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⁽³⁾			Group Reporting Basis Reclassi- fications⁽⁴⁾			U.S. GAAP Consolidated Totals
	(in millions)
Three Months Ended June 30, 2016
Net interest income⁽¹⁾	$	204		$	205	$	190		$	49		$	(5	)	$	—		$	643		$	(22	)	$	17		$	638
Other operating income	77			67		178			22			(19		)	—			325			(14		)	(18		)	293
Total operating income	281			272		368			71			(24		)	—			968			(36		)	(1		)	931
Loan impairment charges	9			18		150			—			—			—			177			(19		)	(24		)	134
	272			254		218			71			(24		)	—			791			(17		)	23			797
Operating expenses⁽²⁾	268			166		249			59			63			—			805			(5		)	23			823
Profit (loss) before income tax expense	$	4		$	88	$	(31	)	$	12		$	(87	)	$	—		$	(14	)	$	(12	)	$	—		$	(26	)

Three Months Ended June 30, 2015
Net interest income⁽¹⁾	$	199		$	207	$	132		$	50		$	(5	)	$	(3	)	$	580		$	(18	)	$	64		$	626
Other operating income	87			70		219			27			75			3			481			(15		)	(63		)	403
Total operating income	286			277		351			77			70			—			1,061			(33		)	1			1,029
Loan impairment charges	15			4		4			(1		)	—			—			22			(27		)	(1		)	(6		)
	271			273		347			78			70			—			1,039			(6		)	2			1,035
Operating expenses⁽²⁾	313			172		264			58			50			—			857			(9		)	2			850
Profit (loss) before income tax expense	$	(42	)	$	101	$	83		$	20		$	20		$	—		$	182		$	3		$	—		$	185

Six Months Ended June 30, 2016
Net interest income⁽¹⁾	$	405		$	418	$	366		$	100		$	(10	)	$	(2	)	$	1,277		$	(41	)	$	56		$	1,292
Other operating income	157			140		397			45			158			2			899			(84		)	(60		)	755
Total operating income	562			558		763			145			148			—			2,176			(125		)	(4		)	2,047
Loan impairment charges	25			31		354			(1		)	—			—			409			(88		)	(30		)	291
	537			527		409			146			148			—			1,767			(37		)	26			1,756
Operating expenses⁽²⁾	527			328		473			117			89			—			1,534			(11		)	26			1,549
Profit (loss) before income tax expense	$	10		$	199	$	(64	)	$	29		$	59		$	—		$	233		$	(26	)	$	—		$	207
Balances at end of period:
Total assets	$	20,899		$	30,240	$	202,708		$	8,244		$	492		$	—		$	262,583		$	(51,717	)	$	7		$	210,873
Total loans, net	17,791			29,025		21,787			6,555			—			—			75,158			(192		)	3,781			78,747
Goodwill	581			358		—			325			—			—			1,264			348			—			1,612
Total deposits	31,854			23,685		28,593			13,670			—			—			97,802			(4,994		)	40,011			132,819



	Group Reporting Basis Consolidated Amounts
	RBWM			CMB		GB&M		PB			Other			Adjustments/ Reconciling Items			Total		Group Reporting Basis Adjustments⁽³⁾			Group Reporting Basis Reclassi- fications⁽⁴⁾			U.S. GAAP Consolidated Totals
	(in millions)

Six Months Ended June 30, 2015
Net interest income⁽¹⁾	$	400		$	404	$	250	$	99		$	(11	)	$	(8	)	$	1,134	$	(32	)	$	130		$	1,232
Other operating income	175			146		485		51			157			8			1,022		(25		)	(130		)	867
Total operating income	575			550		735		150			146			—			2,156		(57		)	—			2,099
Loan impairment charges	37			14		12		(1		)	—			—			62		(13		)	(2		)	47
	538			536		723		151			146			—			2,094		(44		)	2			2,052
Operating expenses⁽²⁾	607			328		523		116			77			—			1,651		(26		)	2			1,627
Profit (loss) before income tax expense	$	(69	)	$	208	$	200	$	35		$	69		$	—		$	443	$	(18	)	$	—		$	425
Balances at end of period:
Total assets	$	20,059		$	31,868	$	181,541	$	8,174		$	779		$	—		$	242,421	$	(45,816	)	$	13		$	196,618
Total loans, net	17,111			30,711		24,489		6,498			—			—			78,809		906			3,254			82,969
Goodwill	581			358		—		325			—			—			1,264		348			—			1,612
Total deposits	31,139			21,209		30,343		12,766			—			—			95,457		(4,512		)	31,602			122,547

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


⁽⁴⁾	Represents differences in financial statement presentation between Group Reporting Basis and U.S. GAAP.