The following table summarizes the results for each segment on a Group Reporting Basis, as well as provides a reconciliation of total results under the Group Reporting Basis to U.S. GAAP consolidated totals:



	Group Reporting Basis Consolidated Amounts
	RBWM			CMB		GB&M			PB			Other			Adjustments/ Reconciling Items			Total		Group Reporting Basis Adjustments⁽⁴⁾			Group Reporting Basis Reclassi- fications⁽⁵⁾			U.S. GAAP Consolidated Totals
	(in millions)
Three Months Ended June 30, 2015
Net interest income⁽¹⁾	$	195		$	211	$	132		$	50		$	(5	)	$	(3	)	$	580	$	(18	)	$	64		$	626
Other operating income	86			71		219			27			75			3			481		(15		)	(63		)	403
Total operating income	281			282		351			77			70			—			1,061		(33		)	1			1,029
Loan impairment charges	15			4		4			(1		)	—			—			22		(27		)	(1		)	(6		)
	266			278		347			78			70			—			1,039		(6		)	2			1,035
Operating expenses⁽²⁾	300			185		264			58			50			—			857		(9		)	2			850
Profit (loss) before income tax expense	$	(34	)	$	93	$	83		$	20		$	20		$	—		$	182	$	3		$	—		$	185

Three Months Ended June 30, 2014
Net interest income⁽¹⁾	$	212		$	202	$	109		$	56		$	78		$	(4	)	$	653	$	(16	)	$	36		$	673
Other operating income	104			64		151			25			(38		)	4			310		(6		)	(43		)	261
Total operating income	316			266		260			81			40			—			963		(22		)	(7		)	934
Loan impairment charges	21			83		40			—			—			—			144		(52		)	(7		)	85
	295			183		220			81			40			—			819		30			—			849
Operating expenses⁽²⁾	298			174		239			61			28			—			800		76			—			876
Profit (loss) before income tax expense	$	(3	)	$	9	$	(19	)	$	20		$	12		$	—		$	19	$	(46	)	$	—		$	(27	)

Six Months Ended June 30, 2015
Net interest income⁽¹⁾	$	392		$	412	$	250		$	99		$	(11	)	$	(8	)	$	1,134	$	(32	)	$	130		$	1,232
Other operating income	173			148		485			51			157			8			1,022		(25		)	(130		)	867
Total operating income	565			560		735			150			146			—			2,156		(57		)	—			2,099
Loan impairment charges	37			14		12			(1		)	—			—			62		(13		)	(2		)	47
	528			546		723			151			146			—			2,094		(44		)	2			2,052
Operating expenses⁽²⁾	581			354		523			116			77			—			1,651		(26		)	2			1,627
Profit (loss) before income tax expense	$	(53	)	$	192	$	200		$	35		$	69		$	—		$	443	$	(18	)	$	—		$	425
Balances at end of period:
Total assets	$	19,987		$	31,940	$	181,541		$	8,174		$	779		$	—		$	242,421	$	(45,816	)	$	13		$	196,618
Total loans, net	17,039			30,783		24,489			6,498			—			—			78,809		906			3,254			82,969
Goodwill	581			358		—			325			—			—			1,264		348			—			1,612
Total deposits⁽³⁾	30,504			21,844		30,343			12,766			—			—			95,457		(4,512		)	31,602			122,547



	Group Reporting Basis Consolidated Amounts
	RBWM		CMB		GB&M		PB			Other			Adjustments/ Reconciling Items			Total		Group Reporting Basis Adjustments⁽⁴⁾			Group Reporting Basis Reclassi- fications⁽⁵⁾			U.S. GAAP Consolidated Totals
	(in millions)

Six Months Ended June 30, 2014
Net interest income⁽¹⁾	$	410	$	389	$	206	$	105		$	65		$	(9	)	$	1,166	$	(31	)	$	57		$	1,192
Other operating income	217		132		445		50			(13		)	9			840		(10		)	(69		)	761
Total operating income	627		521		651		155			52			—			2,006		(41		)	(12		)	1,953
Loan impairment charges	23		90		55		(5		)	—			—			163		(48		)	(14		)	101
	604		431		596		160			52			—			1,843		7			2			1,852
Operating expenses⁽²⁾	577		332		478		116			53			—			1,556		68			2			1,626
Profit (loss) before income tax expense	$	27	$	99	$	118	$	44		$	(1	)	$	—		$	287	$	(61	)	$	—		$	226
Balances at end of period:
Total assets	$	19,169	$	26,467	$	175,330	$	8,232		$	826		$	—		$	230,024	$	(47,570	)	$	(236	)	$	182,218
Total loans, net	16,315		25,239		19,957		6,069			—			—			67,580		1,693			2,301			71,574
Goodwill	581		358		—		325			—			—			1,264		348			—			1,612
Total deposits⁽³⁾	29,138		22,135		30,092		11,822			—			—			93,187		(3,128		)	25,462			115,521

⁽¹⁾

Net interest income of each segment represents the difference between actual interest earned on assets and interest paid on liabilities of the segment adjusted for a funding charge or credit. Segments are charged a cost to fund assets (e.g. customer loans) and receive a funding credit for funds provided (e.g. customer deposits) based on equivalent market rates. The objective of these charges/credits is to transfer interest rate risk from the segments to one centralized unit in Balance Sheet Management and more appropriately reflect the profitability of segments.


⁽²⁾	Expenses for the segments include fully apportioned corporate overhead expenses.


⁽³⁾	During the second quarter of 2015, we concluded that brokered deposits would be better presented as debt under the Group Reporting Basis. As a result, we reclassified $1.8 billion of brokered deposits in the GB&M segment to debt at June 30, 2014 to conform with current year presentation.


⁽⁴⁾	Represents adjustments associated with differences between the Group Reporting Basis and the U.S. GAAP basis of accounting.


⁽⁵⁾	Represents differences in financial statement presentation between Group Reporting Basis and U.S. GAAP.