Loans Held-for-Sale, Net Loans Held-for-Sale, Net

3 Months Ended

Mar. 31, 2015

Loans Held-for-Sale, Net

Loans held-for-sale represent loans that we intend to sell. In situations where we have not identified the specific loans to be sold, we may classify a percentage of the entire loan balance as held-for-investment and a percentage as held-for-sale based on an allocation methodology of loans with similar characteristics. In addition, we may also designate a portion of our originations as held-for-sale based on a similar allocation methodology.

The composition of loans held-for-sale, net, was as follows.



($ in millions)	March 31, 2015		December 31, 2014
Consumer automotive	$	1,500	$	1,515
Consumer mortgage	42		452
Commercial and industrial — Other	17		36
Total loans held-for-sale	$	1,559	$	2,003