Segment Information (Tables)

9 Months Ended

Sep. 30, 2020

Information about the Company's segments

The following tables present information about C&I and Other, as well as reconciliations to the consolidated financial statement amounts.


(dollars in millions)	Consumer and Insurance		Other		Segment to GAAP Adjustment		Consolidated Total

Three Months Ended September 30, 2020
Interest income	$	1,086	$	1	$	2	$	1,089
Interest expense	250		1		4		255
Provision for finance receivable losses	232		—		(1)		231
Net interest income after provision for finance receivable losses	604		—		(1)		603
Other revenues	99		4		(2)		101
Other expenses	352		6		5		363
Income (loss) before income tax expense (benefit)	$	351	$	(2)	$	(8)	$	341




Three Months Ended September 30, 2019
Interest income	$	1,060	$	2	$	3	$	1,065
Interest expense	238		1		5		244
Provision for finance receivable losses	277		—		5		282
Net interest income after provision for finance receivable losses	545		1		(7)		539
Other revenues	152		5		(1)		156
Other expenses	385		8		5		398
Income (loss) before income tax expense (benefit)	$	312	$	(2)	$	(13)	$	297


(dollars in millions)	Consumer and Insurance		Other		Segment to GAAP Adjustment		Consolidated Total

At or for the Nine Months Ended September 30, 2020
Interest income	$	3,260	$	4	$	9	$	3,273
Interest expense	765		3		13		781
Provision for finance receivable losses	1,184		—		2		1,186
Net interest income after provision for finance receivable losses	1,311		1		(6)		1,306
Other revenues	380		12		(2)		390
Other expenses	1,161		18		15		1,194
Income (loss) before income tax expense (benefit)	$	530	$	(5)	$	(23)	$	502

Assets	$	19,743	$	63	$	2,051	$	21,857




At or for the Nine Months Ended September 30, 2019
Interest income	$	3,013	$	7	$	—	$	3,020
Interest expense	700		4		13		717
Provision for finance receivable losses	816		—		20		836
Net interest income after provision for finance receivable losses	1,497		3		(33)		1,467
Other revenues *	442		26		(8)		460
Other expenses	1,125		31		16		1,172
Income (loss) before income tax expense (benefit)	$	814	$	(2)	$	(57)	$	755

Assets	$	20,276	$	82	$	2,052	$	22,410

* Other revenues in Other include the gain on the February 2019 Real Estate Loan Sale as well as the impairment adjustments on the remaining loans in held for sale in 2019.