Business Segments (Tables)

9 Months Ended

Sep. 30, 2013

Segment Reporting [Abstract]

Reconciliation of IFRS Basis Segment Results

The following table reconciles our IFRSs segment results to the U.S. GAAP consolidated totals:

	IFRSs Consumer Segment Totals			IFRSs Adjustments(1)			IFRSs Reclassifications(2)			U.S. GAAP Consolidated Totals
	(in millions)
Three Months Ended September 30, 2013:
Net interest income	$	491		$	(187	)	$	(75	)	$	229
Other operating income (Total other revenues)	(28		)	63			79			114
Total operating income (loss)	463			(124		)	4			343
Loan impairment charges (Provision for credit losses)	115			(275		)	—			(160		)
Net interest income and other operating income less provision for credit losses	348			151			4			503
Operating expenses	207			5			4			216
Profit (loss) before tax	$	141		$	146		$	—		$	287
Three Months Ended September 30, 2012:
Net interest income	$	630		$	(124	)	$	(89	)	$	417
Other operating income (Total other revenues)	(171		)	(76		)	103			(144		)
Total operating income (loss)	459			(200		)	14			273
Loan impairment charges (Provision for credit losses)	493			(206		)	—			287
Net interest income and other operating income less provision for credit losses	(34		)	6			14			(14		)
Operating expenses	248			14			14			276
Profit (loss) before tax	$	(282	)	$	(8	)	$	—		$	(290	)
Nine Months Ended September 30, 2013:
Net interest income	$	1,620		$	(514	)	$	(245	)	$	861
Other operating income (Total other revenues)	(343		)	1,183			256			1,096
Total operating income (loss)	1,277			669			11			1,957
Loan impairment charges (Provision for credit losses)	558			(427		)	—			131
Net interest income and other operating income less provision for credit losses	719			1,096			11			1,826
Operating expenses	615			53			11			679
Profit (loss) before tax	$	104		$	1,043		$	—		$	1,147
Balances at end of period:
Customer loans (Receivables)	$	32,436		$	(4,553	)	$	(39	)	$	27,844
Assets	42,774			(1,995		)	—			40,779
Nine Months Ended September 30, 2012:
Net interest income	$	1,897		$	(373	)	$	(308	)	$	1,216
Other operating income (Total other revenues)	(919		)	(1,639		)	354			(2,204		)
Total operating income (loss)	978			(2,012		)	46			(988		)
Loan impairment charges (Provision for credit losses)	2,068			(252		)	—			1,816
Net interest income and other operating income less provision for credit losses	(1,090		)	(1,760		)	46			(2,804		)
Operating expenses	658			26			46			730
Profit (loss) before tax	$	(1,748	)	$	(1,786	)	$	—		$	(3,534	)
Balances at end of period:
Customer loans (Receivables)	$	38,754		$	(4,746	)	$	(45	)	$	33,963
Assets	48,688			(3,248		)	—			45,440

⁽¹⁾  IFRSs Adjustments consist of the accounting differences between U.S. GAAP and IFRSs.

⁽²⁾  Represents differences in balance sheet and income statement presentation between U.S. GAAP and IFRSs