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 September 30, 2016
Net interest income⁽¹⁾	$	204		$	205		$	156	$	53		$	(10	)	$	—		$	608	$	(18	)	$	14		$	604
Other operating income	72			66			188		22			9			—			357		(27		)	(10		)	320
Total operating income	276			271			344		75			(1		)	—			965		(45		)	4			924
Loan impairment charges	27			(19		)	33		1			—			—			42		16			4			62
	249			290			311		74			(1		)	—			923		(61		)	—			862
Operating expenses⁽²⁾	283			167			241		56			67			—			814		(11		)	—			803
Profit (loss) before income tax expense	$	(34	)	$	123		$	70	$	18		$	(68	)	$	—		$	109	$	(50	)	$	—		$	59

Three Months Ended September 30, 2015
Net interest income⁽¹⁾	$	197		$	209		$	142	$	49		$	(5	)	$	(1	)	$	591	$	(19	)	$	45		$	617
Other operating income	85			82			287		26			109			1			590		(11		)	(48		)	531
Total operating income	282			291			429		75			104			—			1,181		(30		)	(3		)	1,148
Loan impairment charges	15			23			5		(1		)	—			—			42		4			1			47
	267			268			424		76			104			—			1,139		(34		)	(4		)	1,101
Operating expenses⁽²⁾	280			171			247		62			37			—			797		(7		)	(4		)	786
Profit (loss) before income tax expense	$	(13	)	$	97		$	177	$	14		$	67		$	—		$	342	$	(27	)	$	—		$	315



	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)
Nine Months Ended September 30, 2016
Net interest income⁽¹⁾	$	609		$	623	$	522	$	153		$	(20	)	$	(2	)	$	1,885	$	(59	)	$	70		$	1,896
Other operating income	229			206		585		67			167			2			1,256		(111		)	(70		)	1,075
Total operating income	838			829		1,107		220			147			—			3,141		(170		)	—			2,971
Loan impairment charges	52			12		387		—			—			—			451		(72		)	(26		)	353
	786			817		720		220			147			—			2,690		(98		)	26			2,618
Operating expenses⁽²⁾	810			495		714		173			156			—			2,348		(22		)	26			2,352
Profit (loss) before income tax expense	$	(24	)	$	322	$	6	$	47		$	(9	)	$	—		$	342	$	(76	)	$	—		$	266
Balances at end of period:
Total assets	$	20,719		$	28,832	$	195,803	$	8,149		$	471		$	—		$	253,974	$	(45,673	)	$	9		$	208,310
Total loans, net	17,727			27,740		21,730		6,433			—			—			73,630		(447		)	3,382			76,565
Goodwill	581			358		—		325			—			—			1,264		348			—			1,612
Total deposits	31,702			24,926		30,151		13,216			—			—			99,995		(4,919		)	36,006			131,082

Nine Months Ended September 30, 2015
Net interest income⁽¹⁾	$	597		$	613	$	392	$	148		$	(16	)	$	(9	)	$	1,725	$	(51	)	$	175		$	1,849
Other operating income	260			228		772		77			266			9			1,612		(36		)	(178		)	1,398
Total operating income	857			841		1,164		225			250			—			3,337		(87		)	(3		)	3,247
Loan impairment charges	52			37		17		(2		)	—			—			104		(9		)	(1		)	94
	805			804		1,147		227			250			—			3,233		(78		)	(2		)	3,153
Operating expenses⁽²⁾	887			499		770		178			114			—			2,448		(33		)	(2		)	2,413
Profit (loss) before income tax expense	$	(82	)	$	305	$	377	$	49		$	136		$	—		$	785	$	(45	)	$	—		$	740
Balances at end of period:
Total assets	$	20,177		$	32,143	$	196,535	$	8,491		$	787		$	—		$	258,133	$	(54,496	)	$	729		$	204,366
Total loans, net	17,217			30,905		25,025		6,711			—			—			79,858		286			4,120			84,264
Goodwill	581			358		—		325			—			—			1,264		348			—			1,612
Total deposits	31,260			22,580		31,621		13,137			—			—			98,598		(5,167		)	38,019			131,450

⁽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 U.S. GAAP and the Group Reporting Basis.


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