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Supplemental Information About The Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables (Tables)
 6 Months Ended
Jun. 30, 2015
Supplemental Information About Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables [Line Items]  
Nonaccrual Financing Receivables
PAST DUE AND NONACCRUAL FINANCING RECEIVABLES
June 30, 2015December 31, 2014
Over 30 daysOver 90 daysOver 30 daysOver 90 days
(In millions)past duepast dueNonaccrualpast duepast dueNonaccrual
Commercial
CLL$548$172$20$610$131$25
Energy Financial Services7728--68
GECAS 1-318--419
Total Commercial556179366(a)610131512(a)
Consumer2,171933(b) 2(c) 5,1372,495(b) 1,484(c)
Total$2,727$1,112$368$5,747$2,626$1,996
Total as a percent of financing receivables 3.2 % 1.3 % 0.4 % 4.5 % 2.1 % 1.6 %

(a) Included $349 million and $484 million at June 30, 2015 and December 31, 2014, respectively, which are currently paying in accordance with their contractual terms.

  • Included $931 million and $1,231 million of Consumer loans at June 30, 2015 and December 31, 2014, respectively, which are over 90 days past due and continue to accrue interest until the accounts are written off in the period that the account becomes 180 days past due.
  • Included none and $179 million at June 30, 2015 and December 31, 2014, respectively, which are currently paying in accordance with their contractual terms.
Impaired Loans
IMPAIRED LOANS AND RELATED RESERVES
With no specific allowanceWith a specific allowance
RecordedUnpaidAverageRecordedUnpaidAverage
investmentprincipalinvestmentinvestmentprincipalAssociatedinvestment
(In millions)in loansbalancein loansin loansbalanceallowance(a)in loans
June 30, 2015
Commercial
CLL$13$15$10$4$4$3$5
Energy Financial Services282945---8
GECAS237245246----
Other-------
Total Commercial(b)27828930144313
Consumer(c)--46719626(d)2381,162
Total$278$289$347$723$630$241$1,175
December 31, 2014
Commercial
CLL$10$10$7$5$5$4$4
Energy Financial Services53542615151224
GECAS32933788---15
Other------1
Total Commercial(b)39240112120201644
Consumer(c)1381791202,0422,0924082,547
Total$530$580$241$2,062$2,112$424$2,591

  • Write-offs to net realizable value are recognized against the allowance for losses primarily in the reporting period in which management has deemed all or a portion of the financing receivable to be uncollectible, but not later than 360 days after initial recognition of a specific reserve for a collateral dependent loan.
  • We recognized insignificant amounts of interest income, including none on a cash basis, in the six months ended June 30, 2015, the year ended December 31, 2014 and the six months ended June 30, 2014, respectively, in CLL. The total average investment in impaired loans for the six months ended June 30, 2015 and the year ended December 31, 2014 was $314 million and $165 million, respectively.
  • We recognized $36 million, $126 million and $91 million of interest income, including $1 million, $5 million and $1 million on a cash basis, in the six months ended June 30, 2015, the year ended December 31, 2014 and the six months ended June 30, 2014, respectively. The total average investment in impaired loans for the six months ended June 30, 2015 and the year ended December 31, 2014 was $1,208 million and $2,667 million, respectively.
  • Unpaid principal balance excludes accrued interest and fees.
Financing Receivables And Allowance For Losses
(In millions)Non-impaired financing receivablesGeneral reservesImpaired loansSpecific reserves
June 30, 2015
Commercial$22,763$88$282$3
Consumer60,7123,064719238
Total$83,475$3,152$1,001$241
December 31, 2014
Commercial$25,329$77$412$16
Consumer98,6403,6032,180408
Total$123,969$3,680$2,592$424
Schedule Of Impaired Loan Balance Classified To Measure Impairment
IMPAIRED LOAN BALANCE CLASSIFIED BY THE METHOD USED TO MEASURE IMPAIRMENT
(In millions)June 30, 2015December 31, 2014
Discounted cash flow$797$2,149
Collateral value204443
Total$1,001$2,592
Commercial Portfolio Segment [Member]  
Supplemental Information About Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables [Line Items]  
Credit Quality Indicators
COMMERCIAL FINANCING RECEIVABLES BY RISK CATEGORY
Secured
(In millions)ABCTotal
June 30, 2015
CLL$12,159$37$32$12,228
Energy Financial Services2,495411422,678
GECAS7,206225977,528
Other151--151
Total$22,011$303$271$22,585
December 31, 2014
CLL$14,271$49$98$14,418
Energy Financial Services2,47960162,555
GECAS7,9082371188,263
Other130--130
Total$24,788$346$232$25,366
Consumer Portfolio Segment [Member]  
Supplemental Information About Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables [Line Items]  
Credit Quality Indicators
Refreshed FICO score
June 30, 2015December 31, 2014
661 or601 to600 or661 or601 to600 or
(in millions)higher660lesshigher660less
U.S. installment and
   revolving credit$44,080$11,736$4,149$43,466$11,865$4,532