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Business Segments (Tables)
 12 Months Ended
Dec. 31, 2014
Segment Reporting [Abstract]  
Reconciliation of Group Reporting Basis Segment Results
The following table reconciles our segment results on the Group Reporting Basis to the U.S. GAAP consolidated totals:
 
Group Reporting Basis
Consumer Segment
Totals
 
Group Reporting Basis
Adjustments(1)
 
Group
 Reporting Basis
Reclassifications(2)
 
U.S. GAAP
Consolidated
Totals
 
(in millions)
Year Ended December 31, 2014:
 
 
 
 
 
 
 
Net interest income
$
1,376

 
$
(254
)
 
$
(254
)
 
$
868

Other operating income (Total other revenues)
(65
)
 
54

 
237

 
226

Total operating income (loss)
1,311

 
(200
)
 
(17
)
 
1,094

Loan impairment charges (Provision for credit losses)
33

 
(398
)
 
—

 
(365
)
Net interest income and other operating income less loan impairment charges
1,278

 
198

 
(17
)
 
1,459

Operating expenses
700

 
5

 
(17
)
 
688

Profit (loss) before tax
$
578

 
$
193

 
$
—

 
$
771

Depreciation and amortization
9

 
(1
)
 
1

 
9

Expenditures for long-lived assets
—

 
—

 
—

 
—

Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
23,554

 
$
(853
)
 
$
(31
)
 
$
22,670

Assets
32,966

 
(1,069
)
 
—

 
31,897

 
 
 
 
 
 
 
 
Year Ended December 31, 2013
 
 
 
 
 
 
 
Net interest income
$
2,031

 
$
(643
)
 
$
(320
)
 
$
1,068

Other operating income (Total other revenues)
(413
)
 
966

 
328

 
881

Total operating income (loss)
1,618

 
323

 
8

 
1,949

Loan impairment charges (Provision for credit losses)
711

 
(732
)
 
—

 
(21
)
Net interest income and other operating income less loan impairment charges
907

 
1,055

 
8

 
1,970

Operating expenses
857

 
67

 
8

 
932

Profit (loss) before tax
$
50

 
$
988

 
$
—

 
$
1,038

Depreciation and amortization
5

 
2

 
1

 
8

Expenditures for long-lived assets
6

 
—

 
—

 
6

Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
29,262

 
$
(2,644
)
 
$
(34
)
 
$
26,584

Assets
39,503

 
(1,796
)
 
—

 
37,707

 
 
 
 
 
 
 
 
Year Ended December 31, 2012:
 
 
 
 
 
 
 
Net interest income
$
2,540

 
$
(500
)
 
$
(394
)
 
$
1,646

Other operating income (Total other revenues)
(960
)
 
(1,609
)
 
450

 
(2,119
)
Total operating income (loss)
1,580

 
(2,109
)
 
56

 
(473
)
Loan impairment charges (Provision for credit losses)
2,556

 
(332
)
 
—

 
2,224

Net interest income and other operating income less loan impairment charges
(976
)
 
(1,777
)
 
56

 
(2,697
)
Operating expenses
1,014

 
44

 
56

 
1,114

Profit (loss) before tax
$
(1,990
)
 
$
(1,821
)
 
$
—

 
$
(3,811
)
Depreciation and amortization
13

 
—

 
(6
)
 
7

Expenditures for long-lived assets
3

 
—

 
—

 
3

Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
37,556

 
$
(4,557
)
 
$
(60
)
 
$
32,939

Assets
47,820

 
(3,074
)
 
—

 
44,746

 
(1) 
Group Reporting Basis Adjustments which have been described more fully above, consist of the following:
 
Net
Interest
Income
 
Other
Revenues
 
Provision
For
Credit
Losses
 
Total
Costs
and
Expenses
 
Profit
(Loss)
Before
Tax
 
Receivables
 
Total
Assets
 
(in millions)
Year Ended December 31, 2014:
 
 
 
 
 
 
 
 
 
 
 
 
Derivatives and hedge accounting
$
2

 
$
—

 
$
—

 
$
—

 
$
2

 
$
—

 
$
(6
)
Purchase accounting
3

 
(5
)
 
(8
)
 
—

 
6

 
33

 
32

Deferred loan origination costs and premiums
(17
)
 
—

 
—

 
—

 
(17
)
 
81

 
51

Credit loss impairment provisioning
(243
)
 
—

 
(36
)
 
—

 
(207
)
 
(1,088
)
 
(842
)
Loans held for sale
3

 
76

 
(354
)
 
—

 
433

 
116

 
367

Interest recognition
(5
)
 
—

 
—

 
—

 
(5
)
 
6

 
23

Other
3

 
(17
)
 
—

 
5

 
(19
)
 
(1
)
 
(694
)
Total
$
(254
)
 
$
54

 
$
(398
)
 
$
5

 
$
193

 
$
(853
)
 
$
(1,069
)
Year Ended December 31, 2013:
 
 
 
 
 
 
 
 
 
 
 
 
Derivatives and hedge accounting
$
5

 
$
—

 
$
—

 
$
—

 
$
5

 
$
—

 
$
(6
)
Purchase accounting
—

 
16

 
43

 
—

 
(27
)
 
35

 
29

Deferred loan origination costs and premiums
(15
)
 
4

 
—

 
—

 
(11
)
 
97

 
63

Credit loss impairment provisioning
(649
)
 
250

 
(110
)
 
—

 
(289
)
 
(911
)
 
(719
)
Loans held for sale
4

 
671

 
(665
)
 
(5
)
 
1,345

 
(1,871
)
 
94

Interest recognition
9

 
8

 
—

 
—

 
17

 
7

 
27

Other
3

 
17

 
—

 
72

 
(52
)
 
(1
)
 
(1,284
)
Total
$
(643
)
 
$
966

 
$
(732
)
 
$
67

 
$
988

 
$
(2,644
)
 
$
(1,796
)
Year Ended December 31, 2012:
 
 
 
 
 
 
 
 
 
 
 
 
Derivatives and hedge accounting
$
15

 
$
—

 
$
—

 
$
—

 
$
15

 
$
—

 
$
(4
)
Purchase accounting
(5
)
 
3

 
14

 
—

 
(16
)
 
19

 
46

Deferred loan origination costs and premiums
(15
)
 
(5
)
 
—

 
—

 
(20
)
 
125

 
70

Credit loss impairment provisioning
(535
)
 
(14
)
 
15

 
—

 
(564
)
 
(222
)
 
(533
)
Loans held for sale
4

 
(1,523
)
 
(361
)
 
5

 
(1,163
)
 
(4,487
)
 
(768
)
Interest recognition
34

 
—

 
—

 
—

 
34

 
8

 
16

Other
2

 
(70
)
 
—

 
39

 
(107
)
 
—

 
(1,901
)
Total
$
(500
)
 
$
(1,609
)
 
$
(332
)
 
$
44

 
$
(1,821
)
 
$
(4,557
)
 
$
(3,074
)
(2) 
Represents differences in balance sheet and income statement presentation between U.S. GAAP and