CONSOLIDATED STATEMENT OF CASH FLOWS (USD $) In Millions, unless otherwise specified	9 Months Ended
	Sep. 30, 2013		Sep. 30, 2012
Cash flows from operating activities
Net income (loss)	$ 613		$ (550)
Income (loss) from discontinued operations	(158)		1,659
Income (loss) from continuing operations	771		(2,209)
Adjustments to reconcile income (loss) to net cash provided by (used in) operating activities:
Provision for credit losses	131		1,816	[1]
Lower of amortized cost or fair value adjustment on receivables held for sale	(892)		1,597
Loss on sale of real estate owned, including lower of amortized cost or fair value adjustments	8		37
Depreciation and amortization	6		6
Mark-to-market on debt designated at fair value and related derivatives	75		715
Foreign exchange and derivative movements on long-term debt and net change in non-fair value option related derivative assets and liabilities	(276)		(743)
Net change in other assets	982		(574)
Net change in other liabilities	(189)		(473)
Other, net	78		337
Cash provided by operating activities – continuing operations	694		509
Cash provided by (used in) operating activities – discontinued operations	(243)		2,361
Cash provided by operating activities	451		2,870
Securities:
Purchased	0		(46)
Matured	0		89
Sold	0		123
Net change in short-term securities available-for-sale	80		(92)
Net change in securities purchased under agreements to resell	(4,036)		20
Net change in interest bearing deposits with banks	1,371		(223)
Receivables:
Net collections	2,253		2,210
Proceeds from sales of receivables	3,588		0
Proceeds from sales of real estate owned	455		474
Purchases of properties and equipment	(5)		(3)
Cash provided by investing activities – continuing operations	3,706		2,552
Cash provided by investing activities – discontinued operations	215		9,359
Cash provided by investing activities	3,921		11,911
Debt:
Net change in commercial paper	0		(3,947)
Net change in due to affiliates	(103)		(490)
Long-term debt retired	(4,324)		(9,472)
Shareholders' dividends	(93)		(92)
Cash used in financing activities – continuing operations	(4,520)		(14,001)
Cash used in financing activities – discontinued operations	0		(195)
Cash used in financing activities	(4,520)		(14,196)
Net change in cash	(148)		585
Cash at beginning of period	397	[2]	318	[2]
Cash at end of period	249	[3]	903	[3]
Supplemental Noncash Investing and Capital Activities:
Fair value of properties added to real estate owned	576		416
Transfer of receivables to held for sale	$ 1,816		$ 6,756

[1] The nine months ended September 30, 2012 includes $112 million related to the lower of amortized cost or fair value attributable to credit for personal non-credit card receivables transferred to held for sale at June 30, 2012. See Note 6, "Receivables Held for Sale," for additional information.

[2] Cash at beginning of period includes $200 million and $103 million for discontinued operations as of January 1, 2013 and 2012, respectively.

[3] Cash at end of period includes $24 million and $174 million for discontinued operations as of September 30, 2013 and 2012, respectively.