The table below presents both on–balance sheet and off–balance sheet consumer and wholesale-related credit exposure by the Firm’s three credit portfolio segments as of December 31, 2012 and 2011.



	2012								2011
	Credit exposure		On-balance sheet				Off-balance sheet^(c)		Credit exposure		On-balance sheet				Off-balance sheet^(c)
December 31, (in millions)			Loans		Derivatives						Loans		Derivatives
Total consumer, excluding credit card^(a)	$	352,889	$	292,620	$	—	$	60,156	$	370,834	$	308,427	$	—	$	62,307
Total credit card	661,011		127,993		—		533,018		662,893		132,277		—		530,616
Total consumer	1,013,900		420,613		—		593,174		1,033,727		440,704		—		592,923
Wholesale-related
Real estate	76,198		60,740		1,084		14,374		67,594		54,684		1,155		11,755
Banks and finance companies	73,318		26,651		19,846		26,821		71,440		29,392		20,372		21,676
Healthcare	48,487		11,638		3,359		33,490		42,247		8,908		3,021		30,318
Oil and gas	42,563		14,704		2,345		25,514		35,437		10,780		3,521		21,136
State and municipal governments	41,821		7,998		5,138		28,685		41,930		7,144		6,575		28,211
Consumer products	32,778		9,151		826		22,801		29,637		9,187		1,079		19,371
Asset managers	31,474		6,220		8,390		16,864		33,465		6,182		9,458		17,825
Utilities	29,533		6,814		2,649		20,070		28,650		5,191		3,602		19,857
Retail and consumer services	25,597		7,901		429		17,267		22,891		6,353		565		15,973
Central government	21,223		1,333		11,232		8,658		17,138		623		10,813		5,702
Metals/mining	20,958		6,059		624		14,275		15,254		6,073		690		8,491
Transportation	19,827		12,763		673		6,391		16,305		10,000		947		5,358
Machinery and equipment manufacturing	18,504		6,304		592		11,608		16,498		5,111		417		10,970
Technology	18,488		3,806		1,192		13,490		17,898		4,394		1,310		12,194
Media	16,007		3,967		973		11,067		11,909		3,655		202		8,052
All other^(b)	299,243		120,173		15,631		163,439		285,318		110,718		28,750		145,850
Subtotal	816,019		306,222		74,983		434,814		753,611		278,395		92,477		382,739
Loans held-for-sale and loans at fair value	6,961		6,961		—		—		4,621		4,621		—		—
Receivables from customers and other	23,648		—		—		—		17,461		—		—		—
Total wholesale-related	846,628		313,183		74,983		434,814		$	775,693	$	283,016	92,477		382,739
Total exposure^(d)	$	1,860,528	$	733,796	$	74,983	$	1,027,988	$	1,809,420	$	723,720	$	92,477	$	975,662


(a)	As of December 31, 2012 and 2011, credit exposure for total consumer, excluding credit card, includes receivables from customers of $113 million and $100 million, respectively.


(b)	For more information on exposures to SPEs included within All other see Note 16 on pages 280–291 of this Annual Report.


(c)	Represents lending-related financial instruments.


(d)	For further information regarding on–balance sheet credit concentrations by major product and/or geography, see Notes 6, 14 and 15 on pages 218–227, 250–275 and 276–279, respectively, of this Annual Report. For information regarding concentrations of off–balance sheet lending-related financial instruments by major product, see Note 29 on pages 308–315 of this Annual Report.