Finance Receivables And Loans, Net (Tables)

12 Months Ended

Dec. 31, 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.

December 31, ($ in millions)	2014		2013
Consumer automotive (a)	$	56,570	$	56,417
Consumer mortgage (b) (c)	7,474		8,444
Commercial
Commercial and industrial
Automotive	30,871		30,948
Other	1,882		1,664
Commercial real estate — Automotive	3,151		2,855
Total commercial	35,904		35,467
Total finance receivables and loans (d)	$	99,948	$	100,328

(a) Includes $35 million and $1 million of fair value adjustment for loans in hedge accounting relationships at December 31, 2014 and December 31, 2013, respectively. Refer to Note 22 for additional information.

(b) Includes loans originated as interest-only mortgage loans of $1.2 billion and $1.5 billion at December 31, 2014, and December 31, 2013, respectively, 17% of which are expected to start principal amortization in 2015, 32% in 2016, 21% in 2017, 1% in 2018, and 5% thereafter.

(c) Includes consumer mortgages at a fair value of $1 million at both December 31, 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 $266 million and $595 million at December 31, 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.

($ in millions)	Consumer automotive			Consumer mortgage			Commercial			Total
Allowance at January 1, 2014	$	673		$	389		$	146		$	1,208
Charge-offs	(720		)	(51		)	(5		)	(776		)
Recoveries	219			8			12			239
Net charge-offs	(501		)	(43		)	7			(537		)
Provision for loan losses	540			(69		)	(14		)	457
Other (a)	(27		)	(125		)	1			(151		)
Allowance at December 31, 2014	$	685		$	152		$	140		$	977
Allowance for loan losses
Individually evaluated for impairment	$	23		$	62		$	21		$	106
Collectively evaluated for impairment	662			90			119			871
Loans acquired with deteriorated credit quality	—			—			—			—
Finance receivables and loans at historical cost
Ending balance	56,570			7,473			35,904			99,947
Individually evaluated for impairment	282			336			82			700
Collectively evaluated for impairment	56,287			7,137			35,822			99,246
Loans acquired with deteriorated credit quality	1			—			—			1

(a) Primarily related to the transfer of finance receivables and loans from held-for-investment to held-for-sale.

($ in millions)	Consumer automotive			Consumer mortgage			Commercial			Total
Allowance at January 1, 2013	$	575		$	452		$	143		$	1,170
Charge-offs	(639		)	(93		)	(5		)	(737		)
Recoveries	237			18			10			265
Net charge-offs	(402		)	(75		)	5			(472		)
Provision for loan losses	490			13			(2		)	501
Other	10			(1		)	—			9
Allowance at December 31, 2013	$	673		$	389		$	146		$	1,208
Allowance for loan losses
Individually evaluated for impairment	$	23		$	199		$	26		$	248
Collectively evaluated for impairment	650			190			120			960
Loans acquired with deteriorated credit quality	—			—			—			—
Finance receivables and loans at historical cost
Ending balance	56,417			8,443			35,467			100,327
Individually evaluated for impairment	281			919			204			1,404
Collectively evaluated for impairment	56,128			7,524			35,263			98,915
Loans acquired with deteriorated credit quality	8			—			—			8

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.

December 31, ($ in millions)	2014		2013
Consumer automotive	$	4,106	$	—
Consumer mortgage	489		—
Commercial	36		65
Total sales and transfers	$	4,631	$	65

Schedule of Purchases of Financing Receivables and Loans [Table Text Block]

The following table presents information about significant purchases of finance receivables and loans.

December 31, ($ in millions)	2014		2013
Consumer mortgage	$	857	$	—
Total purchases	$	857	$	—

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.

December 31, ($ 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
2014
Consumer automotive	$	1,340	$	293	$	164	$	1,797	$	54,773	$	56,570
Consumer mortgage	76		25		124		225		7,248		7,473
Commercial
Commercial and industrial
Automotive	—		9		—		9		30,862		30,871
Other	—		—		—		—		1,882		1,882
Commercial real estate — Automotive	—		—		—		—		3,151		3,151
Total commercial	—		9		—		9		35,895		35,904
Total consumer and commercial	$	1,416	$	327	$	288	$	2,031	$	97,916	$	99,947
2013
Consumer automotive	$	1,145	$	255	$	157	$	1,557	$	54,860	$	56,417
Consumer mortgage	82		31		124		237		8,206		8,443
Commercial
Commercial and industrial
Automotive	—		—		36		36		30,912		30,948
Other	—		—		—		—		1,664		1,664
Commercial real estate — Automotive	—		—		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.

December 31, ($ in millions)	2014		2013
Consumer automotive	$	386	$	329
Consumer mortgage	177		192
Commercial
Commercial and industrial
Automotive	32		116
Other	46		74
Commercial real estate — Automotive	4		14
Total commercial	82		204
Total consumer and commercial finance receivables and loans	$	645	$	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 for additional information.

	2014						2013
December 31, ($ in millions)	Performing		Nonperforming		Total		Performing		Nonperforming		Total
Consumer automotive	$	56,184	$	386	$	56,570	$	56,088	$	329	$	56,417
Consumer mortgage	7,296		177		7,473		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.

	2014						2013
December 31, ($ in millions)	Pass		Criticized (a)		Total		Pass		Criticized (a)		Total
Commercial
Commercial and industrial
Automotive	$	29,150	$	1,721	$	30,871	$	29,194	$	1,754	$	30,948
Other	1,509		373		1,882		1,388		276		1,664
Commercial real estate — Automotive	3,015		136		3,151		2,770		85		2,855
Total commercial	$	33,674	$	2,230	$	35,904	$	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.

December 31, ($ in millions)	Unpaid principal balance		Carrying value before allowance		Impaired with no allowance		Impaired with an allowance		Allowance for impaired loans
2014
Consumer automotive	$	282	$	282	$	—	$	282	$	23
Consumer mortgage	340		336		86		250		62
Commercial
Commercial and industrial
Automotive	32		32		4		28		5
Other	46		46		—		46		15
Commercial real estate — Automotive	4		4		1		3		1
Total commercial	82		82		5		77		21
Total consumer and commercial finance receivables and loans	$	704	$	700	$	91	$	609	$	106
2013
Consumer automotive	$	281	$	281	$	—	$	281	$	23
Consumer mortgage	924		919		128		791		199
Commercial
Commercial and industrial
Automotive	116		116		57		59		7
Other	74		74		—		74		16
Commercial real estate — Automotive	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 table presents average balance and interest income for our impaired finance receivables and loans.

	2014				2013				2012
Year ended December 31, ($ in millions)	Average balance		Interest income		Average balance		Interest income		Average balance		Interest income
Consumer automotive	$	317	$	20	$	278	$	18	$	131	$	12
Consumer mortgage	873		12		908		29		693		28
Commercial
Commercial and industrial
Automotive	61		2		152		6		178		8
Mortgage	—		—		—		—		5		—
Other	59		3		72		2		32		6
Commercial real estate
Automotive	6		—		29		1		64		1
Mortgage	—		—		—		—		6		—
Total commercial	126		5		253		9		285		15
Total consumer and commercial finance receivables and loans	$	1,316	$	37	$	1,439	$	56	$	1,109	$	55

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

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

	2014					2013
Year ended December 31, ($ 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 automotive	17,511	$	211	$	187	19,388	$	297	$	249
Consumer mortgage	396	80		74		1,092	278		234
Commercial
Commercial and industrial
Automotive	3	23		23		8	37		37
Other	3	48		48		4	80		78
Commercial real estate — Automotive	—	—		—		5	20		20
Total commercial	6	71		71		17	137		135
Total consumer and commercial finance receivables and loans	17,913	$	362	$	332	20,497	$	712	$	618

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

The following table presents 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 for additional information) except for commercial finance receivables and loans, where redefault is defined as 90 days past due.

	2014					2013
Year ended December 31, ($ in millions)	Number of loans	Carrying value before allowance		Charge-off amount		Number of loans	Carrying value before allowance		Charge-off amount
Consumer automotive	7,117	$	90	$	47	6,038	$	75	$	37
Consumer mortgage	27	2		1		32	8		1
Commercial
Commercial and industrial — Automotive	—	—		—		—	—		—
Commercial real estate — Automotive	—	—		—		—	—		—
Total commercial	—	—		—		—	—		—
Total consumer and commercial finance receivables and loans	7,144	$	92	$	48	6,070	$	83	$	38

Consumer Concentration Risk [Table Text Block]

The following table shows the percentage of total consumer finance receivables and loans recorded at historical cost reported at carrying value before allowance for loan losses by state concentration.

	2014 (a)				2013
December 31,	Automotive		1st Mortgage and home equity		Automotive		1st Mortgage and home equity
Texas	13.6	%	6.0	%	13.2	%	5.8	%
California	6.2		30.8		5.8		29.5
Florida	7.3		3.7		7.0		3.6
Pennsylvania	5.3		1.6		5.3		1.7
Illinois	4.4		4.2		4.4		4.4
Georgia	4.2		2.1		4.0		2.1
Michigan	3.8		3.1		4.4		3.9
New York	4.0		1.9		4.3		1.9
Ohio	3.9		0.6		4.0		0.7
North Carolina	3.5		1.9		3.4		1.9
Other United States	43.8		44.1		44.2		44.5
Total consumer loans	100.0	%	100.0	%	100.0	%	100.0	%

(a) Presentation is in descending order as a percentage of total consumer finance receivables and loans at December 31, 2014.

Commercial Concentration Risk [Table Text Block]

The commercial real estate portfolio consists of loans issued primarily to automotive dealers. The following table shows the percentage of total commercial real estate finance receivables and loans reported at carrying value before allowance for loan losses by state concentration.

December 31,	2014		2013
Texas	13.8	%	13.2	%
Florida	12.3		12.6
Michigan	9.9		11.6
California	9.0		9.2
Virginia	4.1		3.8
North Carolina	3.9		4.1
New York	3.9		4.5
Pennsylvania	3.8		3.3
Georgia	3.7		3.1
Illinois	2.7		2.5
Other United States	32.9		32.1
Total commercial real estate finance receivables and loans	100.0	%	100.0	%

Commercial Criticized Exposure [Table Text Block]

Finance receivables and loans classified as special mention, substandard, or doubtful are deemed as criticized. These classifications are based on regulatory definitions and generally represent finance receivables and loans within our portfolio that have a higher default risk or have already defaulted. The following table presents the percentage of total commercial criticized finance receivables and loans reported at carrying value before allowance for loan losses by industry concentrations.

December 31,	2014		2013
Automotive	87.3	%	91.4	%
Health / Medical	3.5		1.6
Electronics	2.9		3.4
Other	6.3		3.6
Total commercial criticized finance receivables and loans	100.0	%	100.0	%