Our loan portfolio consists of loans held for investment, including loans held in our consolidated trusts, and loans held for sale. We further divide our loans held for investment into three portfolio segments: Credit Card, Consumer Banking and Commercial Banking. Credit card loans consist of domestic and international credit card loans. Consumer banking loans consist of auto and retail banking loans. Commercial banking loans consist of commercial and multifamily real estate as well as commercial and industrial loans. The information presented in the tables in this note excludes loans held for sale, which are carried at either fair value (if we elect the fair value option) or at the lower of cost or fair value.

Accrued interest receivable of $2.2 billion as of both June 30, 2024 and December 31, 2023, is not included in the tables in this note. The table below presents the composition and aging analysis of our loans held for investment portfolio as of June 30, 2024 and December 31, 2023. The delinquency aging includes all past due loans, both performing and nonperforming.

Table 4.1: Loan Portfolio Composition and Aging Analysis


	June 30, 2024
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	140,978	$	1,770	$	1,350	$	2,967	$	6,087	$	147,065
International card businesses	6,506		114		69		141		324		6,830


	June 30, 2024
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Total credit card	147,484		1,884		1,419		3,108		6,411		153,895
Consumer Banking:
Auto	69,615		2,873		1,462		435		4,770		74,385
Retail banking	1,243		22		4		9		35		1,278
Total consumer banking	70,858		2,895		1,466		444		4,805		75,663
Commercial Banking:
Commercial and multifamily real estate	32,643		21		5		163		189		32,832
Commercial and industrial	55,656		8		0		132		140		55,796
Total commercial banking	88,299		29		5		295		329		88,628
Total loans(1)	$	306,641	$	4,808	$	2,890	$	3,847	$	11,545	$	318,186
% of Total loans	96.37%		1.51%		0.91%		1.21%		3.63%		100.00%


	December 31, 2023
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	140,860	$	1,968	$	1,471	$	3,367	$	6,806	$	147,666
International card businesses	6,552		116		76		137		329		6,881
Total credit card	147,412		2,084		1,547		3,504		7,135		154,547
Consumer Banking:
Auto	68,768		3,268		1,555		484		5,307		74,075
Retail banking	1,329		15		3		15		33		1,362
Total consumer banking	70,097		3,283		1,558		499		5,340		75,437
Commercial Banking:
Commercial and multifamily real estate	34,325		0		14		107		121		34,446
Commercial and industrial	55,861		0		0		181		181		56,042
Total commercial banking	90,186		0		14		288		302		90,488
Total loans(1)	$	307,695	$	5,367	$	3,119	$	4,291	$	12,777	$	320,472
% of Total loans	96.01%		1.68%		0.97%		1.34%		3.99%		100.00%

__________

The following table presents our loans held for investment that are 90 days or more past due that continue to accrue interest, loans that are classified as nonperforming and loans that are classified as nonperforming without an allowance as of June 30, 2024 and December 31, 2023. Nonperforming loans generally include loans that have been placed on nonaccrual status.


	June 30, 2024									December 31, 2023
(Dollars in millions)	> 90 Days and Accruing			Nonperforming Loans(1)			Nonperforming Loans Without an Allowance			> 90 Days and Accruing			Nonperforming Loans(1)			Nonperforming Loans Without an Allowance
Credit Card:
Domestic credit card	$	2,967		N/A			$	0		$	3,367		N/A			$	0
International card businesses	135			$	10		0			132			$	9		0
Total credit card	3,102			10			0			3,499			9			0
Consumer Banking:
Auto	0			658			0			0			712			0
Retail banking	0			36			20			0			46			19
Total consumer banking	0			694			20			0			758			19
Commercial Banking:
Commercial and multifamily real estate	0			422			321			0			425			335
Commercial and industrial	46			872			424			55			336			193
Total commercial banking	46			1,294			745			55			761			528
Total	$	3,148		$	1,998		$	765		$	3,554		$	1,528		$	547
% of Total loans held for investment	0.99		%	0.63		%	0.24		%	1.11		%	0.48		%	0.17		%

__________

Our credit card loan portfolio is highly diversified across millions of accounts and numerous geographies without significant individual exposure. We therefore generally manage credit risk based on portfolios with common risk characteristics. The risk in our credit card loan portfolio correlates to broad economic trends, such as the U.S. unemployment rate and U.S. Real Gross Domestic Product (“GDP”) growth rate, as well as consumers’ financial condition, all of which can have a material effect on credit performance. The key indicator we assess in monitoring the credit quality and risk of our credit card loan portfolio is delinquency trends, including an analysis of loan migration between delinquency categories over time.


	June 30, 2024						December 31, 2023
(Dollars in millions)	Revolving Loans		Revolving Loans Converted to Term		Total		Revolving Loans		Revolving Loans Converted to Term		Total
Credit Card:
Domestic credit card:
Current	$	140,576	$	402	$	140,978	$	140,521	$	339	$	140,860
30-59 days	1,743		27		1,770		1,940		28		1,968
60-89 days	1,333		17		1,350		1,454		17		1,471
Greater than 90 days	2,940		27		2,967		3,339		28		3,367
Total domestic credit card	146,592		473		147,065		147,254		412		147,666

International card businesses:
Current	6,470		36		6,506		6,521		31		6,552
30-59 days	109		5		114		112		4		116
60-89 days	66		3		69		72		4		76
Greater than 90 days	136		5		141		132		5		137
Total international card businesses	6,781		49		6,830		6,837		44		6,881
Total credit card	$	153,373	$	522	$	153,895	$	154,091	$	456	$	154,547

Our consumer banking loan portfolio consists of auto and retail banking loans. Similar to our credit card loan portfolio, the risk in our consumer banking loan portfolio correlates to broad economic trends as well as consumers’ financial condition, all of which can have a material effect on credit performance. The key indicator we consider when assessing the credit quality and risk of our auto loan portfolio is borrower credit scores as they measure the creditworthiness of borrowers. Delinquency trends are the key indicator we assess in monitoring the credit quality and risk of our retail banking loan portfolio.

The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of June 30, 2024 and December 31, 2023. We present our auto loan portfolio by Fair Isaac Corporation (“FICO”) scores at origination and our retail banking loan portfolio by delinquency status, which includes all past due loans, both performing and nonperforming.


	June 30, 2024
	Term Loans by Vintage Year
(Dollars in millions)	2024		2023		2022		2021		2020		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total

Auto—At origination FICO scores:(1)
Greater than 660	$	8,444	$	10,154	$	10,305	$	7,455	$	2,227	$	823	$	39,408	$	0	$	0	$	39,408
621-660	2,848		4,175		3,639		2,625		974		452		14,713		0		0		14,713
620 or below	3,912		5,785		4,548		3,362		1,729		928		20,264		0		0		20,264
Total auto	15,204		20,114		18,492		13,442		4,930		2,203		74,385		0		0		74,385

Retail banking—Delinquency status:
Current	85		80		94		55		57		513		884		355		4		1,243
30-59 days	0		0		0		0		0		14		14		8		0		22
60-89 days	0		0		0		0		0		1		1		3		0		4
Greater than 90 days	1		0		0		0		1		4		6		2		1		9
Total retail banking	86		80		94		55		58		532		905		368		5		1,278
Total consumer banking	$	15,290	$	20,194	$	18,586	$	13,497	$	4,988	$	2,735	$	75,290	$	368	$	5	$	75,663


	December 31, 2023
	Term Loans by Vintage Year
(Dollars in millions)	2023		2022		2021		2020		2019		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total

Auto—At origination FICO scores:(1)
Greater than 660	$	12,219	$	12,593	$	9,505	$	3,124	$	1,213	$	309	$	38,963	$	0	$	0	$	38,963
621-660	4,863		4,432		3,346		1,337		592		192		14,762		0		0		14,762
620 or below	6,647		5,539		4,283		2,349		1,131		401		20,350		0		0		20,350
Total auto	23,729		22,564		17,134		6,810		2,936		902		74,075		0		0		74,075

Retail banking—Delinquency status:
Current	98		157		57		65		117		468		962		363		4		1,329
30-59 days	1		0		1		1		0		1		4		11		0		15
60-89 days	0		0		0		0		0		1		1		2		0		3
Greater than 90 days	0		0		0		0		0		8		8		6		1		15
Total retail banking	99		157		58		66		117		478		975		382		5		1,362
Total consumer banking	$	23,828	$	22,721	$	17,192	$	6,876	$	3,053	$	1,380	$	75,050	$	382	$	5	$	75,437

__________

(1)Amounts represent period-end loans held for investment in each credit score category. Auto credit scores generally represent average FICO scores obtained from three credit bureaus at the time of application and are not refreshed thereafter. Balances for which no credit score is available or the credit score is invalid are included in the 620 or below category.

The key credit quality indicator for our commercial loan portfolios is our internal risk ratings. We assign internal risk ratings to loans based on relevant information about the ability of the borrowers to repay their debt. In determining the risk rating of a particular loan, some of the factors considered are the borrower’s current financial condition, historical and projected future credit performance, prospects for support from financially responsible guarantors, the estimated realizable value of any collateral and current economic trends. The scale based on our internal risk rating system is as follows:

•Criticized performing: Loans in which the financial condition of the obligor is stressed, affecting earnings, cash flows or collateral values. The borrower currently has adequate capacity to meet near-term obligations; however, the stress, left unabated, may result in deterioration of the repayment prospects at some future date.

•Criticized nonperforming: Loans that are not adequately protected by the current net worth and paying capacity of the obligor or the collateral pledged, if any. Loans classified as criticized nonperforming have a well-defined weakness, or weaknesses, which jeopardize the full repayment of the debt. These loans are characterized by the distinct possibility that we will sustain a credit loss if the deficiencies are not corrected and are generally placed on nonaccrual status.

We use our internal risk rating system for regulatory reporting, determining the frequency of credit exposure reviews, and evaluating and determining the allowance for credit losses. Generally, loans that are designated as criticized performing and criticized nonperforming are reviewed quarterly by management to determine if they are appropriately classified/rated and whether any impairment exists. Noncriticized loans are also generally reviewed, at least annually, to determine the appropriate risk rating. In addition, we evaluate the risk rating during the renewal process of any loan or if a loan becomes past due.


	June 30, 2024
	Term Loans by Vintage Year
(Dollars in millions)	2024		2023		2022		2021		2020		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized	$	1,134	$	2,511	$	3,821	$	2,245	$	914	$	4,974	$	15,599	$	12,499	$	25	$	28,123
Criticized performing	72		60		1,555		713		217		1,351		3,968		221		98		4,287
Criticized nonperforming	12		10		25		106		0		261		414		8		0		422
Total commercial and multifamily real estate	1,218		2,581		5,401		3,064		1,131		6,586		19,981		12,728		123		32,832
Commercial and industrial
Noncriticized	2,674		6,610		10,576		6,008		3,018		7,547		36,433		15,082		57		51,572
Criticized performing	30		92		750		747		173		576		2,368		941		43		3,352
Criticized nonperforming	31		75		121		23		181		168		599		273		0		872
Total commercial and industrial	2,735		6,777		11,447		6,778		3,372		8,291		39,400		16,296		100		55,796
Total commercial banking	$	3,953	$	9,358	$	16,848	$	9,842	$	4,503	$	14,877	$	59,381	$	29,024	$	223	$	88,628


	December 31, 2023
	Term Loans by Vintage Year
(Dollars in millions)	2023		2022		2021		2020		2019		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized	$	3,068	$	4,665	$	2,773	$	1,019	$	2,104	$	3,670	$	17,299	$	12,565	$	25	$	29,889
Criticized performing	148		1,494		706		284		463		904		3,999		133		0		4,132
Criticized nonperforming	65		26		124		0		47		163		425		0		0		425
Total commercial and multifamily real estate	3,281		6,185		3,603		1,303		2,614		4,737		21,723		12,698		25		34,446
Commercial and industrial
Noncriticized	6,909		11,935		6,994		3,566		2,359		5,117		36,880		14,822		167		51,869
Criticized performing	353		706		655		237		348		349		2,648		1,189		0		3,837
Criticized nonperforming	13		53		30		18		123		68		305		31		0		336
Total commercial and industrial	7,275		12,694		7,679		3,821		2,830		5,534		39,833		16,042		167		56,042
Total commercial banking	$	10,556	$	18,879	$	11,282	$	5,124	$	5,444	$	10,271	$	61,556	$	28,740	$	192	$	90,488

__________

As part of our loss mitigation efforts, we may provide short-term (one to twelve months) or long-term (greater than twelve months) modifications to a borrower experiencing financial difficulty to improve long-term collectability of the loan and to avoid the need for repossession or foreclosure of collateral.

Table 4.6: Financial Difficulty Modifications to Borrowers



	Three Months Ended June 30, 2024
	Credit Card									Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	178		$	57		$	235		—			—			—			—			—			—			$	235
Term extension	—			—			—			$	5		—			$	5		$	214		$	188		$	402		407
Principal balance reduction	—			—			—			8			—			8			—			15			15			23

Interest rate reduction and term extension	5			—			5			195			—			195			—			6			6			206
Other(1)	—			—			—			2			$	1		3			53			115			168			171
Total loans modified	$	183		$	57		$	240		$	210		$	1		$	211		$	267		$	324		$	591		$	1,042
% of total class of receivables	0.12		%	0.83		%	0.16		%	0.28		%	0.08		%	0.28		%	0.81		%	0.58		%	0.67		%	0.33		%


	Six Months Ended June 30, 2024
	Credit Card									Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	361		$	86		$	447		—			—			—			—			—			—			$	447
Term extension	—			—			—			$	10		$	2		$	12		$	373		$	327		$	700		712
Principal balance reduction	—			—			—			14			—			14			—			16			16			30

Interest rate reduction and term extension	8			—			8			410			—			410			26			6			32			450

Other(1)	—			—			—			2			1			3			142			115			257			260
Total loans modified	$	369		$	86		$	455		$	436		$	3		$	439		$	541		$	464		$	1,005		$	1,899
% of total class of receivables	0.25		%	1.26		%	0.30		%	0.59		%	0.21		%	0.58		%	1.65		%	0.83		%	1.14		%	0.60		%


	Three Months Ended June 30, 2023
	Credit Card									Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	154		$	40		$	194		—			—			—			—			—			—			$	194
Term extension	—			—			—			$	41		$	1		$	42		$	147		$	172		$	319		361
Principal balance reduction	—			—			—			7			—			7			64			—			64			71
Interest rate reduction and term extension	—			—			—			173			—			173			—			—			—			173

Other(1)	—			—			—			1			—			1			54			21			75			76
Total loans modified	$	154		$	40		$	194		$	222		$	1		$	223		$	265		$	193		$	458		$	875
% of total class of receivables	0.11		%	0.61		%	0.14		%	0.29		%	0.08		%	0.29		%	0.74		%	0.35		%	0.50		%	0.28		%


	Six Months Ended June 30, 2023
	Credit Card									Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	285		$	61		$	346		—			—			—			—			—			—			$	346
Term extension	—			—			—			$	77		$	3		$	80		$	246		$	237		$	483		563
Principal balance reduction	—			—			—			12			—			12			64			—			64			76
Principal balance reduction and term extension	—			—			—			—			—			—			—			17			17			17
Interest rate reduction and term extension	—			—			—			330			—			330			—			—			—			330

Other(1)	—			—			—			2			—			2			54			146			200			202
Total loans modified	$	285		$	61		$	346		$	421		$	3		$	424		$	364		$	400		$	764		$	1,534
% of total class of receivables	0.21		%	0.94		%	0.24		%	0.55		%	0.21		%	0.55		%	1.01		%	0.72		%	0.83		%	0.49		%

__________

Table 4.7: Financial Effects of Financial Difficulty Modifications to Borrowers



	Three Months Ended June 30, 2024
	Credit Card		Consumer Banking		Commercial Banking
(Dollars in millions)	Domestic Card	International Card Businesses		Auto	Retail Banking	Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	20.13%	27.08%		8.89%	3.48%	—%	1.50%
Payment delay duration (in months)	12	—		6	36	9	15
Principal balance reduction	—	—		—	—	—	$1


	Six Months Ended June 30, 2024
	Credit Card		Consumer Banking			Commercial Banking
	Domestic Card	International Card Businesses		Auto	Retail Banking		Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	20.06%	26.62%		8.75%	3.48%		0.79%	1.50%
Payment delay duration (in months)	12	—		6	11		7	14
Principal balance reduction	—	—		—	—		—	$15


	Three Months Ended June 30, 2023
	Credit Card		Consumer Banking		Commercial Banking
	Domestic Card	International Card Businesses	Auto	Retail Banking	Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	19.06%	27.99%	8.82%	2.00%	—%	—%
Payment delay duration (in months)	—	—	6	20	16	4
Principal balance reduction	—	—	—	—	$20	—


	Six Months Ended June 30, 2023
	Credit Card		Consumer Banking		Commercial Banking
	Domestic Card	International Card Businesses	Auto	Retail Banking	Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	19.04%	26.90%	8.78%	2.00%	—%	—%
Payment delay duration (in months)	—	—	6	15	16	6
Principal balance reduction	—	—	—	—	$23	—

We monitor loan performance trends, including FDMs, to assess and manage our exposure to credit risk. See “Part II—Item 8. Financial Statements and Supplementary Data—Note 1—Summary of Significant Accounting Policies” in our 2023 Form 10-K for additional information on how the allowance for modified loans is calculated for each portfolio segment. FDMs are accumulated and the performance of each loan that received an FDM is reported on a rolling twelve month basis.

For the interim reporting period ended June 30, 2024, the delinquency status as of this date is shown in the table below for FDMs entered into over the preceding twelve month period. For the interim reporting period ended June 30, 2023, the delinquency status as of this date is shown in the table below for FDMs entered into during the first six months of 2023.


	June 30, 2024
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	438	$	61	$	45	$	102	$	208	$	646
International card businesses	61		11		11		34		56		117
Total credit card	499		72		56		136		264		763
Consumer Banking:
Auto	564		105		68		24		197		761
Retail banking	8		0		0		1		1		9
Total consumer banking	572		105		68		25		198		770
Commercial Banking:
Commercial and multifamily real estate	622		19		0		0		19		641
Commercial and industrial	863		7		0		72		79		942
Total commercial banking	1,485		26		0		72		98		1,583
Total	$	2,556	$	203	$	124	$	233	$	560	$	3,116


	June 30, 2023
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	160	$	42	$	27	$	56	$	125	$	285
International card businesses	24		6		6		25		37		61
Total credit card	184		48		33		81		162		346
Consumer Banking:
Auto	337		49		26		9		84		421
Retail banking	3		0		0		0		0		3
Total consumer banking	340		49		26		9		84		424
Commercial Banking:
Commercial and multifamily real estate	339		0		0		25		25		364
Commercial and industrial	275		0		13		112		125		400
Total commercial banking	614		0		13		137		150		764
Total	$	1,138	$	97	$	72	$	227	$	396	$	1,534

__________

FDMs may subsequently enter default. A default occurs if a FDM is either 90 days or more delinquent, has been charged off, or has been reclassified from accrual to nonaccrual status. Loans that entered a modification program while in default are not considered to have subsequently defaulted for purposes of this disclosure. The allowance for any FDMs that have subsequently defaulted is measured using the same methodology as the allowance for loans held for investment. See “Part II—Item 8.—Financial Statements and Supplementary Data—Note 1—Summary of Significant Accounting Policies” in our 2023 Form 10-K for additional information.


	Three Months Ended June 30, 2024
(Dollars in millions)	Interest Rate Reduction		Term Extension		Interest Rate Reduction and Term Extension		Other Modifications		Total Loans
Credit Card:
Domestic credit card	$	53	$	0	$	1	$	0	$	54
International card businesses	18		0		0		0		18
Total credit card	71		0		1		0		72
Consumer Banking:
Auto	0		2		116		0		118
Retail banking	0		1		0		0		1
Total consumer banking	0		3		116		0		119
Commercial Banking:
Commercial and multifamily real estate	0		0		0		0		0
Commercial and industrial	0		58		0		255		313
Total commercial banking	0		58		0		255		313
Total	$	71	$	61	$	117	$	255	$	504


	Six Months Ended June 30, 2024
(Dollars in millions)	Interest Rate Reduction		Term Extension		Interest Rate Reduction and Term Extension		Other Modifications		Total Loans
Credit Card:
Domestic credit card	$	127	$	0	$	2	$	0	$	129
International card businesses	35		0		0		0		35
Total credit card	162		0		2		0		164
Consumer Banking:
Auto	0		5		219		0		224
Retail banking	0		1		0		0		1
Total consumer banking	0		6		219		0		225
Commercial Banking:
Commercial and multifamily real estate	0		0		0		0		0
Commercial and industrial	0		125		0		255		380
Total commercial banking	0		125		0		255		380
Total	$	162	$	131	$	221	$	255	$	769


	Three Months and Six Months Ended June 30, 2023
(Dollars in millions)	Interest Rate Reduction		Term Extension		Interest Rate Reduction and Term Extension		Total Loans
Credit Card:
Domestic credit card	$	37	$	0	$	0	$	37
International card businesses	4		0		0		4
Total credit card	41		0		0		41
Consumer Banking:
Auto	0		3		51		54

Total consumer banking	0		3		51		54




Total	$	41	$	3	$	51	$	95

We pledged loan collateral of $7.3 billion and $7.4 billion to secure a portion of our FHLB borrowing capacity of $36.9 billion and $32.1 billion as of June 30, 2024 and December 31, 2023, respectively. We also pledged loan collateral of $83.3 billion and $78.3 billion to secure our Federal Reserve Discount Window borrowing capacity of $41.1 billion and $41.4 billion as of June 30, 2024 and December 31, 2023, respectively. In addition to loans pledged, we have securitized a portion of our credit card and auto loan portfolios. See “Note 6—Variable Interest Entities and Securitizations” for additional information.

For the three and six months ended June 30, 2024, we converted $205 million and $321 million of revolving loans to term loans, respectively, primarily in our domestic credit card and commercial banking loan portfolios. For the three and six months ended June 30, 2023, we converted $159 million and $342 million of revolving loans to term loans, respectively, primarily in our domestic credit card and commercial banking loan portfolios.