Deposit Liabilities

6 Months Ended

Jun. 30, 2012

Deposit liabilities consisted of the following.



($ in millions)	June 30, 2012		December 31, 2011
Domestic deposits
Noninterest-bearing deposits	$	2,411	$	2,029
Interest-bearing deposits
Savings and money market checking accounts	10,314		9,035
Certificates of deposit	29,994		28,540
Dealer deposits	1,524		1,769
Total domestic deposit liabilities	44,243		41,373
Foreign deposits
Interest-bearing deposits
Savings and money market checking accounts	1,422		1,408
Certificates of deposit	2,070		1,958
Dealer deposits	257		311
Total foreign deposit liabilities	3,749		3,677
Total deposit liabilities	$	47,992	$	45,050

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 The escrow deposits are not subject to an executed agreement and can be withdrawn without penalty at any time.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 June 30, 2012, and December 31, 2011, certificates of deposit included $11.0 billion and $10.0 billion, respectively, of domestic certificates of deposit in denominations of $100 thousand or more.

- 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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