Finance Receivables And Loans, Net (Tables)

6 Months Ended

Jun. 30, 2014

Loans and Leases Receivable, Net Reported Amount, by Category Alternative [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

The composition of finance receivables and loans, net, reported at carrying value before allowance for loan losses was as follows.

($ in millions)	June 30, 2014		December 31, 2013
Consumer automobile (a)	$	58,114	$	56,417
Consumer mortgage (b)(c)	7,847		8,444
Commercial
Commercial and industrial
Automobile	30,051		30,948
Other	1,776		1,664
Commercial Real Estate — Automobile	2,990		2,855
Total commercial	34,817		35,467
Total finance receivables and loans (d)	$	100,778	$	100,328

(a) Includes $30 million and $1 million of fair value adjustment for loans in hedge accounting relationships at June 30, 2014, and December 31, 2013, respectively. Refer to Note 19 for additional information.

(b) Includes interest-only mortgage loans of $1.4 billion and $1.5 billion at June 30, 2014, and December 31, 2013, respectively, the majority of which are expected to start principal amortization in 2015 or beyond.

(c) Includes consumer mortgages at a fair value of $1 million at both June 30, 2014, and December 31, 2013, as a result of fair value option election.

(d) Totals are net of unearned income, unamortized premiums and discounts, and deferred fees and costs of $410 million and $595 million at June 30, 2014, and December 31, 2013, respectively

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans.

Three months ended June 30, 2014 ($ in millions)	Consumer automobile			Consumer mortgage			Commercial			Total
Allowance at April 1, 2014	$	715		$	333		$	144		$	1,192
Charge-offs	(143		)	(10		)	(4		)	(157		)
Recoveries	60			2			10			72
Net charge-offs	(83		)	(8		)	6			(85		)
Provision for loan losses	97			(25		)	(9		)	63
Other	—			2			(1		)	1
Allowance at June 30, 2014	$	729		$	302		$	140		$	1,171

Three months ended June 30, 2013 ($ in millions)	Consumer automobile			Consumer mortgage			Commercial			Total
Allowance at April 1, 2013	$	599		$	451		$	147		$	1,197
Charge-offs	(133		)	(31		)	(2		)	(166		)
Recoveries	53			5			5			63
Net charge-offs	(80		)	(26		)	3			(103		)
Provision for loan losses	92			6			(9		)	89
Other	(1		)	—			1			—
Allowance at June 30, 2013	$	610		$	431		$	142		$	1,183

Six months ended June 30, 2014 ($ in millions)	Consumer automobile			Consumer mortgage			Commercial			Total
Allowance at January 1, 2014	$	673		$	389		$	146		$	1,208
Charge-offs	(323		)	(25		)	(5		)	(353		)
Recoveries	119			5			11			135
Net charge-offs	(204		)	(20		)	6			(218		)
Provision for loan losses	260			(48		)	(12		)	200
Other	—			(19		)	—			(19		)
Allowance at June 30, 2014	$	729		$	302		$	140		$	1,171
Allowance for loan losses
Individually evaluated for impairment	$	26		$	192		$	15		$	233
Collectively evaluated for impairment	703			110			125			938
Loans acquired with deteriorated credit quality	—			—			—			—
Finance receivables and loans at historical cost
Ending balance	58,114			7,846			34,817			100,777
Individually evaluated for impairment	287			925			98			1,310
Collectively evaluated for impairment	57,824			6,921			34,719			99,464
Loans acquired with deteriorated credit quality	3			—			—			3

Six months ended June 30, 2013 ($ in millions)	Consumer automobile			Consumer mortgage			Commercial			Total
Allowance at January 1, 2013	$	575		$	452		$	143		$	1,170
Charge-offs	(275		)	(55		)	(3		)	(333		)
Recoveries	102			8			6			116
Net charge-offs	(173		)	(47		)	3			(217		)
Provision for loan losses	199			26			(5		)	220
Other	9			—			1			10
Allowance at June 30, 2013	$	610		$	431		$	142		$	1,183
Allowance for loan losses
Individually evaluated for impairment	$	22		$	214		$	26		$	262
Collectively evaluated for impairment	588			217			116			921
Loans acquired with deteriorated credit quality	—			—			—			—
Finance receivables and loans at historical cost
Ending balance	56,028			9,270			31,695			96,993
Individually evaluated for impairment	268			936			305			1,509
Collectively evaluated for impairment	55,744			8,334			31,390			95,468
Loans acquired with deteriorated credit quality	16			—			—			16

Schedule Of Sales Of Financing Receivables And Loans [Table Text Block]

The following table presents information about significant sales of finance receivables and loans recorded at historical cost and transfers of finance receivables and loans from held-for-investment to held-for-sale.

	Three months ended June 30,				Six months ended June 30,
($ in millions)	2014		2013		2014		2013
Consumer mortgage	$	—	$	—	$	40	$	—
Commercial	—		27		—		45
Total sales and transfers	$	—	$	27	$	40	$	45

Past Due Financing Receivables [Table Text Block]

The following table presents an analysis of our past due finance receivables and loans, net, recorded at historical cost reported at carrying value before allowance for loan losses.

($ in millions)	30-59 days past due		60-89 days past due		90 days or more past due		Total past due		Current		Total finance receivables and loans
June 30, 2014
Consumer automobile	$	1,036	$	215	$	130	$	1,381	$	56,733	$	58,114
Consumer mortgage	75		28		112		215		7,631		7,846
Commercial
Commercial and industrial
Automobile	—		—		12		12		30,039		30,051
Other	—		—		—		—		1,776		1,776
Commercial real estate — Automobile	—		—		1		1		2,989		2,990
Total commercial	—		—		13		13		34,804		34,817
Total consumer and commercial	$	1,111	$	243	$	255	$	1,609	$	99,168	$	100,777
December 31, 2013
Consumer automobile	$	1,145	$	255	$	157	$	1,557	$	54,860	$	56,417
Consumer mortgage	82		31		124		237		8,206		8,443
Commercial
Commercial and industrial
Automobile	—		—		36		36		30,912		30,948
Other	—		—		—		—		1,664		1,664
Commercial real estate — Automobile	—		—		6		6		2,849		2,855
Total commercial	—		—		42		42		35,425		35,467
Total consumer and commercial	$	1,227	$	286	$	323	$	1,836	$	98,491	$	100,327

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table presents the carrying value before allowance for loan losses of our finance receivables and loans recorded at historical cost on nonaccrual status.

($ in millions)	June 30, 2014		December 31, 2013
Consumer automobile	$	327	$	329
Consumer mortgage	186		192
Commercial
Commercial and industrial
Automobile	43		116
Other	51		74
Commercial real estate — Automobile	4		14
Total commercial	98		204
Total consumer and commercial finance receivables and loans	$	611	$	725

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents performing and nonperforming credit quality indicators in accordance with our internal accounting policies for our consumer finance receivables and loans recorded at historical cost reported at carrying value before allowance for loan losses. Nonperforming loans include finance receivables and loans on nonaccrual status when the principal or interest has been delinquent for 90 days or when full collection is determined not to be probable. Refer to Note 1 to the Consolidated Financial Statements in our 2013 Annual Report on Form 10-K for additional information.

	June 30, 2014						December 31, 2013
($ in millions)	Performing		Nonperforming		Total		Performing		Nonperforming		Total
Consumer automobile	$	57,787	$	327	$	58,114	$	56,088	$	329	$	56,417
Consumer mortgage	7,660		186		7,846		8,251		192		8,443

The following table presents pass and criticized credit quality indicators based on regulatory definitions for our commercial finance receivables and loans recorded at historical cost reported at carrying value before allowance for loan losses.

	June 30, 2014						December 31, 2013
($ in millions)	Pass		Criticized (a)		Total		Pass		Criticized (a)		Total
Commercial
Commercial and industrial
Automobile	$	28,457	$	1,594	$	30,051	$	29,194	$	1,754	$	30,948
Other	1,487		289		1,776		1,388		276		1,664
Commercial real estate — Automobile	2,901		89		2,990		2,770		85		2,855
Total commercial	$	32,845	$	1,972	$	34,817	$	33,352	$	2,115	$	35,467

(a) Includes loans classified as special mention, substandard, or doubtful. These classifications are based on regulatory definitions and generally represent loans within our portfolio that have a higher default risk or have already defaulted.

Impaired Financing Receivables [Table Text Block]

The following table presents information about our impaired finance receivables and loans recorded at historical cost.

($ in millions)	Unpaid principal balance		Carrying value before allowance		Impaired with no allowance		Impaired with an allowance		Allowance for impaired loans
June 30, 2014
Consumer automobile	$	287	$	287	$	—	$	287	$	26
Consumer mortgage	931		925		129		796		192
Commercial
Commercial and industrial
Automobile	43		43		20		23		2
Other	51		51		—		51		13
Commercial real estate — Automobile	4		4		3		1		—
Total commercial	98		98		23		75		15
Total consumer and commercial finance receivables and loans	$	1,316	$	1,310	$	152	$	1,158	$	233
December 31, 2013
Consumer automobile	$	281	$	281	$	—	$	281	$	23
Consumer mortgage	924		919		128		791		199
Commercial
Commercial and industrial
Automobile	116		116		57		59		7
Other	74		74		—		74		16
Commercial real estate — Automobile	14		14		9		5		3
Total commercial	204		204		66		138		26
Total consumer and commercial finance receivables and loans	$	1,409	$	1,404	$	194	$	1,210	$	248

The following tables present average balance and interest income for our impaired finance receivables and loans.

	2014				2013
Three months ended June 30, ($ in millions)	Average balance		Interest income		Average balance		Interest income
Consumer automobile	$	298	$	5	$	275	$	5
Consumer mortgage	930		7		928		7
Commercial
Commercial and industrial
Automobile	68		—		177		1
Other	62		4		68		1
Commercial real estate — Automobile	6		—		35		1
Total commercial	136		4		280		3
Total consumer and commercial finance receivables and loans	$	1,364	$	16	$	1,483	$	15

	2014				2013
Six months ended June 30, ($ in millions)	Average balance		Interest income		Average balance		Interest income
Consumer automobile	$	297	$	9	$	273	$	9
Consumer mortgage	928		15		899		15
Commercial
Commercial and industrial
Automobile	84		1		167		3
Other	67		4		63		1
Commercial real estate — Automobile	9		—		35		1
Total commercial	160		5		265		5
Total consumer and commercial finance receivables and loans	$	1,385	$	29	$	1,437	$	29

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present information related to finance receivables and loans recorded at historical cost modified in connection with a TDR during the period.

	2014					2013
Three months ended June 30, ($ in millions)	Number of loans	Pre-modification carrying value before allowance		Post-modification carrying value before allowance		Number of loans	Pre-modification carrying value before allowance		Post-modification carrying value before allowance
Consumer automobile	3,961	$	67	$	59	4,414	$	68	$	57
Consumer mortgage	95	15		15		187	44		37
Commercial
Commercial and industrial
Automobile	—	—		—		2	7		7
Other	—	—		—		2	20		20
Commercial real estate — Automobile	—	—		—		1	2		2
Total commercial	—	—		—		5	29		29
Total consumer and commercial finance receivables and loans	4,056	$	82	$	74	4,606	$	141	$	123

	2014					2013
Six months ended June 30, ($ in millions)	Number of loans	Pre-modification carrying value before allowance		Post-modification carrying value before allowance		Number of loans	Pre-modification carrying value before allowance		Post-modification carrying value before allowance
Consumer automobile	9,320	$	151	$	130	9,699	$	147	$	125
Consumer mortgage	313	64		60		732	213		171
Commercial
Commercial and industrial
Automobile	3	23		23		6	32		32
Other	3	48		48		3	53		51
Commercial real estate - Automobile	—	—		—		4	13		13
Total commercial	6	71		71		13	98		96
Total consumer and commercial finance receivables and loans	9,639	$	286	$	261	10,444	$	458	$	392

Finance receivables and loans redefaulted during the period [Table Text Block]

The following tables present information about finance receivables and loans recorded at historical cost that have redefaulted during the reporting period and were within 12 months or less of being modified as a TDR. Redefault is when finance receivables and loans meet the requirements for evaluation under our charge-off policy (Refer to Note 1 to the Consolidated Financial Statements in our 2013 Annual Report on Form 10-K for additional information) except for commercial finance receivables and loans, where redefault is defined as 90 days past due.

	2014					2013
Three months ended June 30, ($ in millions)	Number of loans	Carrying value before allowance		Charge-off amount		Number of loans	Carrying value before allowance		Charge-off amount
Consumer automobile	1,616	$	20	$	11	1,414	$	18	$	9
Consumer mortgage	3	—		—		2	—		—
Commercial
Commercial and industrial — Automobile	—	—		—		—	—		—
Commercial real estate — Automobile	—	—		—		—	—		—
Total commercial	—	—		—		—	—		—
Total consumer and commercial finance receivables and loans	1,619	$	20	$	11	1,416	$	18	$	9

	2014					2013
Six months ended June 30, ($ in millions)	Number of loans	Carrying value before allowance		Charge-off amount		Number of loans	Carrying value before allowance		Charge-off amount
Consumer automobile	3,230	$	40	$	21	2,747	$	34	$	17
Consumer mortgage	5	1		—		12	2		—
Commercial
Commercial and industrial — Automobile	—	—		—		—	—		—
Commercial real estate — Automobile	—	—		—		—	—		—
Total commercial	—	—		—		—	—		—
Total consumer and commercial finance receivables and loans	3,235	$	41	$	21	2,759	$	36	$	17