(8)

Receivables

Receivables of insurance and other businesses are comprised of the following (in millions).


	December 31,
	2013			2012
Insurance premiums receivable	$	7,474		$	7,845
Reinsurance recoverable on unpaid losses		3,055			2,925
Trade and other receivables		10,328			11,369
Allowances for uncollectible accounts		(360	)		(386	)

	$	20,497		$	21,753

Loans and finance receivables of finance and financial products businesses are comprised of the following (in millions).


	December 31,
	2013			2012
Consumer installment loans, commercial loans and finance receivables	$	13,170		$	13,170
Allowances for uncollectible loans		(344	)		(361	)

	$	12,826		$	12,809

Consumer installment loans represent approximately 95% and 96% of the aggregate consumer installment loans, commercial loans and finance receivables as of December 31, 2013 and 2012, respectively. Allowances for uncollectible loans predominantly relate to consumer installment loans. Provisions for loan losses for 2013 and 2012 were $249 million and $312 million, respectively. Loan charge-offs, net of recoveries, were $266 million in 2013 and $339 million in 2012. Loan amounts are net of unamortized acquisition discounts of $406 million at December 31, 2013 and $459 million at December 31, 2012. At December 31, 2013, approximately 94% of the loan balances were evaluated collectively for impairment, and the remainder were evaluated individually for impairment. As a part of the evaluation process, credit quality indicators are reviewed and loans are designated as performing or non-performing. At December 31, 2013, approximately 98% of the loan balances were determined to be performing and approximately 93% of those balances were current as to payment status.