The following tables present our business segment results for the three and nine months ended September 30, 2015 and 2014, selected balance sheet data as of September 30, 2015 and 2014, and a reconciliation of our total business segment results to our reported consolidated income from continuing operations, assets and deposits. Prior period amounts have been recast to conform to the current period.

Table 13.1: Segment Results and Reconciliation



	Three Months Ended September 30, 2015
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking		Other			Consolidated Total
Net interest income (expense)	$	2,866	$	1,443	$	454	$	(3	)	$	4,760
Non-interest income	858		174		108		0			1,140
Total net revenue (loss)	3,724		1,617		562		(3		)	5,900
Provision (benefit) for credit losses	831		188		75		(2		)	1,092
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	78		0		0		0			78
Core deposit intangible amortization	0		19		3		0			22
Total PCCR and core deposit intangible amortization	78		19		3		0			100
Other non-interest expense	1,770		982		269		39			3,060
Total non-interest expense	1,848		1,001		272		39			3,160
Income (loss) from continuing operations before income taxes	1,045		428		215		(40		)	1,648
Income tax provision (benefit)	375		155		78		(78		)	530
Income from continuing operations, net of tax	$	670	$	273	$	137	$	38		$	1,118
Loans held for investment	$	90,135	$	70,990	$	52,112	$	92		$	213,329
Deposits	0		170,866		32,751		9,286			212,903

	Three Months Ended September 30, 2014
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking		Other			Consolidated Total
Net interest income	$	2,627	$	1,425	$	439	$	6		$	4,497
Non-interest income	846		179		122		(5		)	1,142
Total net revenue	3,473		1,604		561		1			5,639
Provision (benefit) for credit losses	787		198		9		(1		)	993
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	90		0		0		0			90
Core deposit intangible amortization	0		26		5		0			31
Total PCCR and core deposit intangible amortization	90		26		5		0			121
Other non-interest expense	1,640		930		263		31			2,864
Total non-interest expense	1,730		956		268		31			2,985
Income (loss) from continuing operations before income taxes	956		450		284		(29		)	1,661
Income tax provision (benefit)	332		161		102		(59		)	536
Income from continuing operations, net of tax	$	624	$	289	$	182	$	30		$	1,125
Loans held for investment	$	80,631	$	71,061	$	49,788	$	112		$	201,592
Deposits	0		167,624		31,918		4,722			204,264



	Nine Months Ended September 30, 2015
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking		Other			Consolidated Total
Net interest income	$	8,165	$	4,321	$	1,381	$	6		$	13,873
Non-interest income	2,519		528		345		(46		)	3,346
Total net revenue (loss)	10,684		4,849		1,726		(40		)	17,219
Provision (benefit) for credit losses	2,395		579		184		(2		)	3,156
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	242		0		0		0			242
Core deposit intangible amortization	0		62		11		0			73
Total PCCR and core deposit intangible amortization	242		62		11		0			315
Other non-interest expense	5,239		2,907		803		252			9,201
Total non-interest expense	5,481		2,969		814		252			9,516
Income (loss) from continuing operations before income taxes	2,808		1,301		728		(290		)	4,547
Income tax provision (benefit)	1,007		471		264		(299		)	1,443
Income from continuing operations, net of tax	$	1,801	$	830	$	464	$	9		$	3,104
Loans held for investment	$	90,135	$	70,990	$	52,112	$	92		$	213,329
Deposits	0		170,866		32,751		9,286			212,903

	Nine Months Ended September 30, 2014
(Dollars in millions)	Credit Card		Consumer Banking		Commercial Banking		Other			Consolidated Total
Net interest income (expense)	$	7,613	$	4,289	$	1,296	$	(36	)	$	13,162
Non-interest income	2,470		499		318		28			3,315
Total net revenue (loss)	10,083		4,788		1,614		(8		)	16,477
Provision (benefit) for credit losses	1,894		481		61		(4		)	2,432
Non-interest expense:
Amortization of intangibles:
PCCR intangible amortization	282		0		0		0			282
Core deposit intangible amortization	0		84		16		0			100
Total PCCR and core deposit intangible amortization	282		84		16		0			382
Other non-interest expense	4,893		2,740		774		107			8,514
Total non-interest expense	5,175		2,824		790		107			8,896
Income (loss) from continuing operations before income taxes	3,014		1,483		763		(111		)	5,149
Income tax provision (benefit)	1,054		530		273		(161		)	1,696
Income from continuing operations, net of tax	$	1,960	$	953	$	490	$	50		$	3,453
Loans held for investment	$	80,631	$	71,061	$	49,788	$	112		$	201,592
Deposits	0		167,624		31,918		4,722			204,264