The table below presents both on–balance sheet and off–balance sheet consumer and wholesale-related credit exposure by the Firm’s three credit portfolio segments as of December 31, 2013 and 2012.



	2013								2012
	Credit exposure		On-balance sheet				Off-balance sheet^(b)		Credit exposure		On-balance sheet				Off-balance sheet^(b)
December 31, (in millions)			Loans		Derivatives						Loans		Derivatives
Total consumer, excluding credit card	$	345,259	$	289,063	$	—	$	56,057	$	352,889	$	292,620	$	—	$	60,156
Total credit card	657,174		127,791		—		529,383		661,011		127,993		—		533,018
Total consumer	1,002,433		416,854		—		585,440		1,013,900		420,613		—		593,174
Wholesale-related
Real Estate	87,102		69,151		460		17,491		76,198		60,740		1,084		14,374
Banks & Finance Cos	66,881		25,482		18,888		22,511		73,318		26,651		19,846		26,821
Oil & Gas	46,934		14,383		2,203		30,348		42,563		14,704		2,345		25,514
Healthcare	45,910		13,319		3,202		29,389		48,487		11,638		3,359		33,490
State & Municipal Govt	35,666		8,708		3,319		23,639		41,821		7,998		5,138		28,685
Consumer Products	34,145		9,099		715		24,331		32,778		9,151		826		22,801
Asset Managers	33,506		5,656		7,175		20,675		31,474		6,220		8,390		16,864
Utilities	28,983		5,582		2,248		21,153		29,533		6,814		2,649		20,070
Retail & Consumer Services	25,068		7,504		273		17,291		25,597		7,901		429		17,267
Technology	21,403		4,426		1,392		15,585		18,488		3,806		1,192		13,490
Central Govt	21,049		1,754		9,998		9,297		21,223		1,333		11,232		8,658
Machinery & Equipment Mfg	19,078		5,969		476		12,633		18,504		6,304		592		11,608
Metals/Mining	17,434		5,825		560		11,049		20,958		6,059		624		14,275
Business Services	14,601		4,497		594		9,510		13,577		4,550		190		8,837
Transportation	13,975		6,845		621		6,509		19,827		12,763		673		6,391
All other^(a)	308,519		120,063		13,635		174,821		301,673		119,590		16,414		165,669
Subtotal	820,254		308,263		65,759		446,232		816,019		306,222		74,983		434,814
Loans held-for-sale and loans at fair value	13,301		13,301		—		—		6,961		6,961		—		—
Receivables from customers and other	26,744		—		—		—		23,648		—		—		—
Total wholesale-related	860,299		321,564		65,759		446,232		$	846,628	$	313,183	74,983		434,814
Total exposure^(c)	$	1,862,732	$	738,418	$	65,759	$	1,031,672	$	1,860,528	$	733,796	$	74,983	$	1,027,988


(a)	For more information on exposures to SPEs included within All other see Note 16 on pages 288–299 of this Annual Report.


(b)	Represents lending-related financial instruments.


(c)	For further information regarding on–balance sheet credit concentrations by major product and/or geography, see Notes 6, 14 and 15 on pages 220–233, 258–283 and 284–287, respectively, of this Annual Report. For information regarding concentrations of off–balance sheet lending-related financial instruments by major product, see Note 29 on pages 318–324 of this Annual Report.