Segment And Geographic Information (Tables)

12 Months Ended

Dec. 31, 2015

Financial information for our reportable operating segments is summarized as follows.



Year ended December 31, ($ in millions)	Automotive Finance operations		Insurance operations		Mortgage operations			Corporate and Other (a)			Consolidated (b)
2015
Net financing revenue	$	3,429	$	57	$	72		$	161		$	3,719
Other revenue (loss)	235		1,033		87			(213		)	1,142
Total net revenue (loss)	3,664		1,090		159			(52		)	4,861
Provision for loan losses	696		—		1			10			707
Total noninterest expense	1,633		879		68			181			2,761
Income (loss) from continuing operations before income tax expense	$	1,335	$	211	$	90		$	(243	)	$	1,393
Total assets	$	115,636	$	7,053	$	9,768		$	26,124		$	158,581
2014
Net financing revenue (loss)	$	3,321	$	56	$	43		$	(45	)	$	3,375
Other revenue (loss)	264		1,129		17			(134		)	1,276
Total net revenue (loss)	3,585		1,185		60			(179		)	4,651
Provision for loan losses	542		—		(69		)	(16		)	457
Total noninterest expense	1,614		988		70			276			2,948
Income (loss) from continuing operations before income tax expense	$	1,429	$	197	$	59		$	(439	)	$	1,246
Total assets	$	113,188	$	7,190	$	7,884		$	23,369		$	151,631
2013
Net financing revenue (loss)	$	3,159	$	57	$	76		$	(513	)	$	2,779
Other revenue	268		1,196		—			20			1,484
Total net revenue (loss)	3,427		1,253		76			(493		)	4,263
Provision for loan losses	494		—		13			(6		)	501
Total noninterest expense	1,755		999		324			327			3,405
Income (loss) from continuing operations before income tax expense	$	1,178	$	254	$	(261	)	$	(814	)	$	357
Total assets	$	109,312	$	7,124	$	8,168		$	26,304		$	150,908


(a)	Total assets for Corporate Finance were $2.7 billion, $1.9 billion, and $1.6 billion at December 31, 2015, 2014, and 2013, respectively.


(b)	Net financing revenue after the provision for loan losses totaled $3.0 billion, $2.9 billion, and $2.3 billion for the years ended December 31, 2015, 2014, and 2013, respectively.

Information concerning principal geographic areas were as follows.



Year ended December 31, ($ in millions)	Revenue (a)			Income (loss) from continuing operations before income tax expense (b)			Net income (loss) (b)(c)			Identifiable assets (d)		Long-lived assets (e)
2015
Canada	$	98		$	47		$	35		$	514	$	—
Europe	1			4			27			325		—
Latin America	—			—			(2		)	28		—
Asia-Pacific	—			—			452			2		—
Total foreign (f)	99			51			512			869		—
Total domestic (g)	4,762			1,342			777			157,685		16,506
Total	$	4,861		$	1,393		$	1,289		$	158,554	$	16,506
2014
Canada	$	124		$	54		$	68		$	590	$	—
Europe	2			—			4			1,636		—
Latin America	—			—			(8		)	29		—
Asia-Pacific	—			—			122			636		—
Total foreign (f)	126			54			186			2,891		—
Total domestic (g)	4,525			1,192			964			148,713		19,735
Total	$	4,651		$	1,246		$	1,150		$	151,604	$	19,735
2013
Canada	$	171		$	64		$	1,266		$	704	$	—
Europe (h)	(8		)	(18		)	(88		)	1,972		—
Latin America	—			7			300			29		—
Asia-Pacific	1			(2		)	117			520		—
Total foreign	164			51			1,595			3,225		—
Total domestic (g)	4,099			306			(1,234		)	147,656		17,916
Total	$	4,263		$	357		$	361		$	150,881	$	17,916


(a)	Revenue consists of net financing revenue and total other revenue as presented in our Consolidated Statement of Income.


(b)	The domestic amounts include original discount amortization of $62 million, $189 million, and $262 million for the years ended December 31, 2015, 2014, and 2013, respectively.


(c)	Gain (loss) realized on sale of discontinued operations are allocated to the geographic area in which the business operated.


(d)	Identifiable assets consist of total assets excluding goodwill.


(e)	Long-lived assets consist of investment in operating leases, net, and net property and equipment.


(f)	Our foreign operations as of December 31, 2015, and December 31, 2014, consist of our ongoing Insurance operations in Canada, and our remaining international entities in wind-down.


(g)	Amounts include eliminations between our domestic and foreign operations.


(h)	Amounts include eliminations between our foreign operations.