Deposit Liabilities

12 Months Ended

Dec. 31, 2011

15. Deposit Liabilities

Deposit liabilities consisted of the following.



December 31, ($ in millions)	2011		2010
Domestic deposits
Noninterest-bearing deposits	$	2,029	$	2,108
Interest-bearing deposits
Savings and money market checking accounts	9,035		8,081
Certificates of deposit	28,540		23,728
Dealer deposits	1,769		1,459
Total domestic deposit liabilities	41,373		35,376
Foreign deposits
Noninterest-bearing deposits	—		23
Interest-bearing deposits
Savings and money market checking accounts	1,408		961
Certificates of deposit	1,958		2,390
Dealer deposits	311		298
Total foreign deposit liabilities	3,677		3,672
Total deposit liabilities	$	45,050	$	39,048

Noninterest-bearing deposits primarily represent third-party escrows associated with our mortgage loan-servicing portfolio. The escrow deposits are not subject to an executed agreement and can be withdrawn without penalty at any time. At December 31, 2011 and 2010, certificates of deposit included $10.0 billion and $7.0 billion, respectively, of domestic certificates of deposit in denominations of $100 thousand or more.

The following table presents the scheduled maturity of total certificates of deposit.



Year ended December 31, ($ in millions)
2012	$	15,571
2013	6,702
2014	2,113
2015	3,737
2016	2,375
Total certificates of deposit	$	30,498

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

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