The following table presents segment data (dollars in millions):


	Digital Banking		Payment Services		Total
	(As Restated)				(As Restated)
For the Year Ended December 31, 2023
Interest income
Credit card loans	$	14,438	$	—	$	14,438
Private student loans	1,033		—		1,033
Personal loans	1,156		—		1,156
Other loans	326		—		326
Other interest income	892		—		892
Total interest income	17,845		—		17,845
Interest expense	4,746		—		4,746
Net interest income	13,099		—		13,099
Provision for credit losses	6,018		—		6,018
Other income	2,245		450		2,695
Other expense	5,945		194		6,139
Income before income taxes	$	3,381	$	256	$	3,637

For the Year Ended December 31, 2022
Interest income
Credit card loans	$	10,632	$	—	$	10,632
Private student loans	831		—		831
Personal loans	872		—		872
Other loans	167		—		167
Other interest income	362		—		362
Total interest income	12,864		—		12,864
Interest expense	1,865		—		1,865
Net interest income	10,999		—		10,999
Provision for credit losses	2,359		—		2,359
Other income	2,041		176		2,217
Other expense	5,049		167		5,216
Income before income taxes	$	5,632	$	9	$	5,641

For the Year Ended December 31, 2021
Interest income
Credit card loans	$	8,717	$	—	$	8,717
Private student loans	742		—		742
Personal loans	878		—		878
Other loans	114		—		114
Other interest income	200		—		200
Total interest income	10,651		—		10,651
Interest expense	1,134		—		1,134
Net interest income	9,517		—		9,517
Provision for credit losses	218		—		218
Other income	1,701		789		2,490
Other expense	4,549		256		4,805
Income before income taxes	$	6,451	$	533	$	6,984