CONSOLIDATED STATEMENT OF CASH FLOWS (USD $) In Millions, unless otherwise specified	6 Months Ended
	Jun. 30, 2013		Jun. 30, 2012
Cash flows from operating activities
Net income (loss)	$ 446		$ (413)
Income (loss) from discontinued operations	(129)		1,604
Income (loss) from continuing operations	575		(2,017)
Adjustments to reconcile income (loss) to net cash provided by (used in) operating activities:
Provision for credit losses	291	[1]	1,529	[1],[2]
Lower of amortized cost or fair value adjustment on receivables held for sale	(826)		1,547
Loss on sale of real estate owned, including lower of amortized cost or fair value adjustments	5		24
Depreciation and amortization	3		4
Mark-to-market on debt designated at fair value and related derivatives	33		532
Foreign exchange and derivative movements on long-term debt and net change in non-fair value option related derivative assets and liabilities	(463)		(701)
Net change in other assets	622		(459)
Net change in other liabilities	75		(420)
Other, net	49		302
Cash provided by operating activities – continuing operations	364		341
Cash provided by (used in) operating activities – discontinued operations	(75)		2,437
Cash provided by operating activities	289		2,778
Securities:
Purchased	0		(48)
Matured	0		88
Sold	0		14
Net change in short-term securities available-for-sale	80		(16)
Net change in securities purchased under agreements to resell	(3,182)		(777)
Net change in interest bearing deposits with banks	937		(1,690)
Receivables:
Net collections	1,501		1,470
Proceeds from sales of receivables	3,193		0
Proceeds from sales of real estate owned	296		345
Purchases of properties and equipment	(4)		(2)
Cash provided by (used in) investing activities – continuing operations	2,821		(616)
Cash provided by investing activities – discontinued operations	215		9,089
Cash provided by investing activities	3,036		8,473
Debt:
Net change in commercial paper	0		(3,724)
Net change in due to affiliates	(802)		(251)
Long-term debt retired	(2,574)		(6,192)
Shareholders' dividends	(62)		(61)
Cash used in financing activities – continuing operations	(3,438)		(10,228)
Cash used in financing activities – discontinued operations	0		(189)
Cash used in financing activities	(3,438)		(10,417)
Net change in cash	(113)		834
Cash at beginning of period	397	[3]	318	[3]
Cash at end of period	284	[4]	1,152	[4]
Supplemental Noncash Investing and Capital Activities:
Fair value of properties added to real estate owned	376		299
Transfer of receivables to held for sale	$ 1,537		$ 6,756

[1] These amounts represent TDR Loans for which we evaluate reserves using a discounted cash flow methodology. Each loan is individually identified as a TDR Loan and then grouped together with other TDR Loans with similar characteristics. The discounted cash flow impairment analysis is then applied to these groups of TDR Loans. The receivable balance above excludes TDR Loans that are carried at the lower of amortized cost or fair value of the collateral less cost to sell which totaled $726 million and $671 million at June 30, 2013 and 2012, respectively. The reserve component above excludes credit loss reserves for TDR Loans that are carried at the lower of amortized cost or fair value of the collateral less cost to sell which totaled $51 million and $41 million at June 30, 2013 and 2012, respectively. These credit loss reserves are reflected within receivables carried at the lower of amortized cost or fair value of the collateral less cost to sell in the table above.

[2] The three and six months ended June 30, 2012 includes $112 million related to the lower of amortized cost or fair value attributable to credit for personal non-credit card receivables transferred to held for sale at June 30, 2012. See Note 6, "Receivables Held for Sale," for additional information.

[3] Cash at beginning of period includes $200 million and $103 million for discontinued operations as of January 1, 2013 and 2012, respectively.

[4] Cash at end of period includes $23 million and $185 million for discontinued operations as of June 30, 2013 and 2012, respectively.