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			CC		Total			Group Reporting Basis Adjustments⁽¹⁾			Group Reporting Basis Reclassi- fications⁽²⁾			U.S. GAAP Consolidated Totals
	(in millions)
Three Months Ended June 30, 2019
Net interest income	$	217		$	202		$	136		$	37		$	18	$	610		$	3		$	(73	)	$	540
Other operating income	74			55			170			17			49		365			(3		)	74			436
Total operating income	291			257			306			54			67		975			—			1			976
Expected credit losses / provision for credit losses	12			9			2			2			—		25			23			(2		)	46
	279			248			304			52			67		950			(23		)	3			930
Operating expenses	305			142			210			56			48		761			10			3			774
Profit (loss) before income tax expense	$	(26	)	$	106		$	94		$	(4	)	$	19	$	189		$	(33	)	$	—		$	156

Three Months Ended June 30, 2018
Net interest income	$	225		$	195		$	151		$	43		$	18	$	632		$	6		$	(83	)	$	555
Other operating income	71			58			252			16			72		469			(9		)	77			537
Total operating income	296			253			403			59			90		1,101			(3		)	(6		)	1,092
Expected credit losses / provision for credit losses	3			(36		)	(143		)	—			1		(175		)	118			12			(45		)
	293			289			546			59			89		1,276			(121		)	(18		)	1,137
Operating expenses	341			139			209			61			54		804			—			(18		)	786
Profit (loss) before income tax expense	$	(48	)	$	150		$	337		$	(2	)	$	35	$	472		$	(121	)	$	—		$	351

Six Months Ended June 30, 2019
Net interest income	$	438		$	403		$	287		$	74		$	32	$	1,234		$	9		$	(141	)	$	1,102
Other operating income	139			113			345			33			73		703			(20		)	143			826
Total operating income	577			516			632			107			105		1,937			(11		)	2			1,928
Expected credit losses / provision for credit losses	33			15			(15		)	1			1		35			64			5			104
	544			501			647			106			104		1,902			(75		)	(3		)	1,824
Operating expenses	616			280			416			109			88		1,509			18			(3		)	1,524
Profit (loss) before income tax expense	$	(72	)	$	221		$	231		$	(3	)	$	16	$	393		$	(93	)	$	—		$	300
Balances at end of period:
Total assets	$	18,907		$	26,735		$	87,114		$	6,952		$	76,055	$	215,763		$	(31,700	)	$	—		$	184,063
Total loans, net	17,031			25,513			19,599			5,863			2,322		70,328			(2,340		)	3,877			71,865
Goodwill	581			358			—			321			—		1,260			347			—			1,607
Total deposits	33,606			23,554			29,674			7,226			6,021		100,081			(3,434		)	20,314			116,961



	Group Reporting Basis Consolidated Amounts
	RBWM			CMB			GB&M			PB			CC			Total			Group Reporting Basis Adjustments⁽¹⁾			Group Reporting Basis Reclassi- fications⁽²⁾			U.S. GAAP Consolidated Totals
	(in millions)
Six Months Ended June 30, 2018
Net interest income	$	441		$	381		$	300		$	90		$	33		$	1,245		$	14		$	(152	)	$	1,107
Other operating income	164			113			449			36			155			917			(20		)	153			1,050
Total operating income	605			494			749			126			188			2,162			(6		)	1			2,157
Expected credit losses / provision for credit losses	6			(46		)	(157		)	(3		)	4			(196		)	67			13			(116		)
	599			540			906			129			184			2,358			(73		)	(12		)	2,273
Operating expenses	666			290			425			122			586			2,089			(9		)	(12		)	2,068
Profit (loss) before income tax expense	$	(67	)	$	250		$	481		$	7		$	(402	)	$	269		$	(64	)	$	—		$	205
Balances at end of period:
Total assets	$	18,691		$	23,851		$	79,535		$	7,075		$	85,703		$	214,855		$	(34,168	)	$	—		$	180,687
Total loans, net	16,695			22,879			17,786			6,036			1,865			65,261			(1,341		)	1,948			65,868
Goodwill	581			358			—			321			—			1,260			347			—			1,607
Total deposits	32,672			23,643			32,749			8,112			4,553			101,729			(3,168		)	15,794			114,355


⁽¹⁾	Represents adjustments associated with differences between U.S. GAAP and the Group Reporting Basis.


⁽²⁾	Represents differences in financial statement presentation between U.S. GAAP and the Group Reporting Basis.