Business Segments (Tables)

3 Months Ended

Mar. 31, 2015

Segment Reporting [Abstract]

Reconciliation of Group Reporting Basis Segment Results

The following table reconciles our segment results on the Group Reporting Basis to the U.S. GAAP consolidated totals:

	Group Reporting Basis Consumer Segment Totals			Group Reporting Basis Adjustments(1)			Group  Reporting Basis Reclassifications(2)			U.S. GAAP Consolidated Totals
	(in millions)
Three Months Ended March 31, 2015:
Net interest income	$	281		$	(40	)	$	(57	)	$	184
Other operating income (Total other revenues)	(78		)	(21		)	57			(42		)
Total operating income (loss)	203			(61		)	—			142
Loan impairment charges (Provision for credit losses)	21			6			—			27
Net interest income and other operating income less loan impairment charges	182			(67		)	—			115
Operating expenses	148			—			—			148
Profit (loss) before tax	$	34		$	(67	)	$	—		$	(33	)
Balances at end of period:
Customer loans (Receivables)	$	22,492		$	(735	)	$	(28	)	$	21,729
Assets	32,428			(1,510		)	—			30,918
Three Months Ended March 31, 2014:
Net interest income	$	372		$	(75	)	$	(65	)	$	232
Other operating income (Total other revenues)	(84		)	105			61			82
Total operating income (loss)	288			30			(4		)	314
Loan impairment charges (Provision for credit losses)	118			(116		)	—			2
Net interest income and other operating income less loan impairment charges	170			146			(4		)	312
Operating expenses	216			5			(4		)	217
Profit (loss) before tax	$	(46	)	$	141		$	—		$	95
Balances at end of period:
Customer loans (Receivables)	$	27,283		$	(1,770	)	$	(32	)	$	25,481
Assets	37,152			(1,639		)	—			35,513

⁽¹⁾  Group Reporting Basis Adjustments consist of accounting differences between U.S. GAAP and the Group Reporting Basis which have been described in Note 18, "Business Segments," in the 2014 Form 10-K.

⁽²⁾  Represents differences in balance sheet and income statement presentation between U.S. GAAP and the Group Reporting Basis.