The following table summarizes the results for each segment on a Group Reporting Basis, as well as provides a reconciliation of total results under the Group Reporting Basis to U.S. GAAP consolidated totals:



	Group Reporting Basis Consolidated Amounts
	RBWM			CMB			GB&M			PB			CC			Total			Group Reporting Basis Adjustments⁽¹⁾			Group Reporting Basis Reclassi- fications⁽²⁾			U.S. GAAP Consolidated Totals
	(in millions)
Three Months Ended September 30, 2019
Net interest income	$	209		$	211		$	67		$	31		$	25		$	543		$	1		$	(41	)	$	503
Other operating income	70			63			251			19			35			438			2			46			486
Total operating income	279			274			318			50			60			981			3			5			989
Expected credit losses / provision for credit losses	51			19			(2		)	—			—			68			25			1			94
	228			255			320			50			60			913			(22		)	4			895
Operating expenses	503			144			196			50			53			946			156			4			1,106
Profit (loss) before income tax expense	$	(275	)	$	111		$	124		$	—		$	7		$	(33	)	$	(178	)	$	—		$	(211	)

Three Months Ended September 30, 2018
Net interest income	$	223		$	206		$	157		$	42		$	17		$	645		$	(2	)	$	(84	)	$	559
Other operating income	75			56			195			17			70			413			(15		)	88			486
Total operating income	298			262			352			59			87			1,058			(17		)	4			1,045
Expected credit losses / provision for credit losses	10			(4		)	(30		)	(1		)	(1		)	(26		)	47			(1		)	20
	288			266			382			60			88			1,084			(64		)	5			1,025
Operating expenses	317			150			203			59			55			784			1			5			790
Profit (loss) before income tax expense	$	(29	)	$	116		$	179		$	1		$	33		$	300		$	(65	)	$	—		$	235

Nine Months Ended September 30, 2019
Net interest income	$	647		$	614		$	354		$	105		$	57		$	1,777		$	10		$	(182	)	$	1,605
Other operating income	209			176			596			52			108			1,141			(18		)	189			1,312
Total operating income	856			790			950			157			165			2,918			(8		)	7			2,917
Expected credit losses / provision for credit losses	84			34			(17		)	1			1			103			89			6			198
	772			756			967			156			164			2,815			(97		)	1			2,719
Operating expenses	1,119			424			612			159			141			2,455			174			1			2,630
Profit (loss) before income tax expense	$	(347	)	$	332		$	355		$	(3	)	$	23		$	360		$	(271	)	$	—		$	89
Balances at end of period:
Total assets	$	19,128		$	27,734		$	89,154		$	7,042		$	79,457		$	222,515		$	(37,755	)	$	—		$	184,760
Total loans, net	17,378			26,251			17,871			5,940			1,735			69,175			(1,965		)	3,450			70,660
Goodwill	372			358			—			321			—			1,051			191			—			1,242
Total deposits	34,877			25,489			32,002			7,720			3,876			103,964			(4,036		)	19,873			119,801



	Group Reporting Basis Consolidated Amounts
	RBWM			CMB			GB&M			PB			CC			Total			Group Reporting Basis Adjustments⁽¹⁾			Group Reporting Basis Reclassi- fications⁽²⁾			U.S. GAAP Consolidated Totals
	(in millions)
Nine Months Ended September 30, 2018
Net interest income	$	664		$	587		$	457		$	132		$	50		$	1,890		$	12		$	(236	)	$	1,666
Other operating income	239			169			644			53			225			1,330			(35		)	241			1,536
Total operating income	903			756			1,101			185			275			3,220			(23		)	5			3,202
Expected credit losses / provision for credit losses	16			(50		)	(187		)	(4		)	3			(222		)	114			12			(96		)
	887			806			1,288			189			272			3,442			(137		)	(7		)	3,298
Operating expenses	983			440			628			181			641			2,873			(8		)	(7		)	2,858
Profit (loss) before income tax expense	$	(96	)	$	366		$	660		$	8		$	(369	)	$	569		$	(129	)	$	—		$	440
Balances at end of period:
Total assets	$	18,977		$	25,289		$	76,194		$	6,742		$	78,421		$	205,623		$	(31,621	)	$	—		$	174,002
Total loans, net	16,814			24,126			17,464			5,656			1,306			65,366			(829		)	1,684			66,221
Goodwill	581			358			—			321			—			1,260			347			—			1,607
Total deposits	32,051			22,440			29,777			8,167			5,211			97,646			(3,441		)	17,885			112,090


⁽¹⁾	Represents adjustments associated with differences between U.S. GAAP and the Group Reporting Basis.


⁽²⁾	Represents differences in financial statement presentation between U.S. GAAP and the Group Reporting Basis.