XML 81 R34.htm IDEA: XBRL DOCUMENT v3.3.0.814
Business Segments (Tables)
 9 Months Ended
Sep. 30, 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 September 30, 2015:
 
 
 
 
 
 
 
Net interest income
$
252

 
$
(31
)
 
$
(39
)
 
$
182

Other operating income (Total other revenues)
(60
)
 
(80
)
 
42

 
(98
)
Total operating income (loss)
192

 
(111
)
 
3

 
84

Loan impairment charges (Provision for credit losses)
(13
)
 
31

 
—

 
18

Net interest income and other operating income less loan impairment charges
205

 
(142
)
 
3

 
66

Operating expenses
225

 
4

 
3

 
232

Profit (loss) before tax
$
(20
)
 
$
(146
)
 
$
—

 
$
(166
)
 
 
 
 
 
 
 
 
Three Months Ended September 30, 2014:
 
 
 
 
 
 
 
Net interest income
$
336

 
$
(63
)
 
$
(63
)
 
$
210

Other operating income (Total other revenues)
104

 
7

 
58

 
169

Total operating income (loss)
440

 
(56
)
 
(5
)
 
379

Loan impairment charges (Provision for credit losses)
(76
)
 
34

 
(1
)
 
(43
)
Net interest income and other operating income less loan impairment charges
516

 
(90
)
 
(4
)
 
422

Operating expenses
189

 
(11
)
 
(4
)
 
174

Profit (loss) before tax
$
327

 
$
(79
)
 
$
—

 
$
248

 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2015:
 
 
 
 
 
 
 
Net interest income
$
783

 
$
(100
)
 
$
(149
)
 
$
534

Other operating income (Total other revenues)
(11
)
 
(140
)
 
149

 
(2
)
Total operating income (loss)
772

 
(240
)
 
—

 
532

Loan impairment charges (Provision for credit losses)
36

 
201

 
—

 
237

Net interest income and other operating income less loan impairment charges
736

 
(441
)
 
—

 
295

Operating expenses
899

 
3

 
—

 
902

Profit (loss) before tax
$
(163
)
 
$
(444
)
 
$
—

 
$
(607
)
Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
19,131

 
$
(9,477
)
 
$
(25
)
 
$
9,629

Assets
27,218

 
(1,603
)
 
—

 
25,615

 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2014:
 
 
 
 
 
 
 
Net interest income
$
1,078

 
$
(218
)
 
$
(193
)
 
$
667

Other operating income (Total other revenues)
(57
)
 
179

 
176

 
298

Total operating income (loss)
1,021

 
(39
)
 
(17
)
 
965

Loan impairment charges (Provision for credit losses)
53

 
(291
)
 
—

 
(238
)
Net interest income and other operating income less loan impairment charges
968

 
252

 
(17
)
 
1,203

Operating expenses
529

 
—

 
(17
)
 
512

Profit (loss) before tax
$
439

 
$
252

 
$
—

 
$
691

Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
24,485

 
$
(949
)
 
$
(33
)
 
$
23,503

Assets
33,632

 
(1,053
)
 
—

 
32,579

 
(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.