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Business Segments (Tables)
 9 Months Ended
Sep. 30, 2016
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)
Three Months Ended September 30, 2016:
 
 
 
 
 
 
 
Net interest income
$
139

 
$
(24
)
 
$
(6
)
 
$
109

Other operating income (Total other revenues)
(113
)
 
95

 
7

 
(11
)
Total operating income (loss)
26

 
71

 
1

 
98

Loan impairment charges (Provision for credit losses)
14

 
558

 
—

 
572

Net interest income and other operating income less loan impairment charges
12

 
(487
)
 
1

 
(474
)
Operating expenses
141

 
(7
)
 
1

 
135

Profit (loss) before tax
$
(129
)
 
$
(480
)
 
$
—

 
$
(609
)
 
 
 
 
 
 
 
 
Three Months Ended September 30, 2015:
 
 
 
 
 
 
 
Net interest income
$
252

 
$
(31
)
 
$
(39
)
 
$
182

Other operating income (Total other revenues)
(60
)
 
(80
)
 
42

 
(98
)
Total operating income (loss)
192

 
(111
)
 
3

 
84

Loan impairment charges (Provision for credit losses)
(13
)
 
31

 
—

 
18

Net interest income and other operating income less loan impairment charges
205

 
(142
)
 
3

 
66

Operating expenses
225

 
4

 
3

 
232

Profit (loss) before tax
$
(20
)
 
$
(146
)
 
$
—

 
$
(166
)
 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2016:
 
 
 
 
 
 
 
Net interest income
$
523

 
$
(66
)
 
$
(26
)
 
$
431

Other operating income (Total other revenues)
(124
)
 
345

 
27

 
248

Total operating income (loss)
399

 
279

 
1

 
679

Loan impairment charges (Provision for credit losses)
113

 
508

 
—

 
621

Net interest income and other operating income less loan impairment charges
286

 
(229
)
 
1

 
58

Operating expenses
986

 
(1
)
 
1

 
986

Profit (loss) before tax
$
(700
)
 
$
(228
)
 
$
—

 
$
(928
)
Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
10,531

 
$
(10,531
)
 
$
—

 
$
—

Assets
16,406

 
(1,064
)
 
—

 
15,342

 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2015:
 
 
 
 
 
 
 
Net interest income
$
783

 
$
(100
)
 
$
(149
)
 
$
534

Other operating income (Total other revenues)
(11
)
 
(140
)
 
149

 
(2
)
Total operating income (loss)
772

 
(240
)
 
—

 
532

Loan impairment charges (Provision for credit losses)
36

 
201

 
—

 
237

Net interest income and other operating income less loan impairment charges
736

 
(441
)
 
—

 
295

Operating expenses
899

 
3

 
—

 
902

Profit (loss) before tax
$
(163
)
 
$
(444
)
 
$
—

 
$
(607
)
Balances at end of period:
 
 
 
 
 
 
 
Customer loans (Receivables)
$
19,131

 
$
(9,477
)
 
$
(25
)
 
$
9,629

Assets
27,218

 
(1,603
)
 
—

 
25,615


 

(1) 
Group Reporting Basis Adjustments consist of accounting differences between U.S. GAAP and the Group Reporting Basis which have been described in Note 18, "Business Segments," in our 2015 Form 10-K.
(2) 
Represents differences in balance sheet and income statement presentation between U.S. GAAP and the Group Reporting Basis.