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)
Year Ended December 31, 2019
Net interest income	$	843		$	815		$	458		$	136		$	51		$	2,303		$	13		$	(204	)	$	2,112
Other operating income	225			226			840			68			178			1,537			102			215			1,854
Total operating income	1,068			1,041			1,298			204			229			3,840			115			11			3,966
Expected credit losses / provision for credit losses	114			55			1			1			—			171			32			(8		)	195
	954			986			1,297			203			229			3,669			83			19			3,771
Operating expenses	1,419			576			825			212			281			3,313			169			19			3,501
Profit (loss) before income tax expense	$	(465	)	$	410		$	472		$	(9	)	$	(52	)	$	356		$	(86	)	$	—		$	270
Balances at end of period:
Total assets	$	19,429		$	25,737		$	88,440		$	7,326		$	73,291		$	214,223		$	(38,848	)	$	—		$	175,375
Total loans, net	17,639			24,465			16,740			6,089			1,516			66,449			(2,965		)	4,432			67,916
Goodwill	372			358			—			321			—			1,051			191			—			1,242
Total deposits	37,009			29,632			27,605			6,539			2,804			103,589			(4,747		)	20,851			119,693

Year Ended December 31, 2018
Net interest income	$	889		$	797		$	610		$	172		$	91		$	2,559		$	(16	)	$	(291	)	$	2,252
Other operating income	297			226			751			73			257			1,604			(9		)	304			1,899
Total operating income	1,186			1,023			1,361			245			348			4,163			(25		)	13			4,151
Expected credit losses / provision for credit losses	38			(43		)	(194		)	(4		)	4			(199		)	115			11			(73		)
	1,148			1,066			1,555			249			344			4,362			(140		)	2			4,224
Operating expenses	1,286			589			834			236			688			3,633			3			2			3,638
Profit (loss) before income tax expense	$	(138	)	$	477		$	721		$	13		$	(344	)	$	729		$	(143	)	$	—		$	586
Balances at end of period:
Total assets	$	19,000		$	25,047		$	73,187		$	6,797		$	79,344		$	203,375		$	(30,927	)	$	—		$	172,448
Total loans, net	16,918			23,913			18,895			5,715			1,599			67,040			(2,428		)	3,825			68,437
Goodwill	581			358			—			321			—			1,260			347			—			1,607
Total deposits	32,612			23,604			30,181			8,193			2,781			97,371			(2,017		)	15,601			110,955

Year Ended December 31, 2017
Net interest income	$	886		$	739		$	585		$	217		$	(40	)	$	2,387		$	(48	)	$	(66	)	$	2,273
Other operating income	526			216			617			94			274			1,727			200			75			2,002
Total operating income	1,412			955			1,202			311			234			4,114			152			9			4,275
Expected credit losses / provision for credit losses	25			(52		)	(94		)	2			—			(119		)	(72		)	26			(165		)
	1,387			1,007			1,296			309			234			4,233			224			(17		)	4,440
Operating expenses	1,185			558			881			244			465			3,333			75			(17		)	3,391
Profit (loss) before income tax expense	$	202		$	449		$	415		$	65		$	(231	)	$	900		$	149		$	—		$	1,049
Balances at end of period:
Total assets	$	18,707		$	23,644		$	72,734		$	8,190		$	97,038		$	220,313		$	(33,078	)	$	—		$	187,235
Total loans, net	16,685			22,444			19,125			6,405			3,556			68,215			(1,397		)	5,064			71,882
Goodwill	581			358			—			321			—			1,260			347			—			1,607
Total deposits	34,186			24,239			25,476			8,470			4,923			97,294			(3,261		)	24,669			118,702


⁽¹⁾	Represents adjustments associated with differences between U.S. GAAP and the Group Reporting Basis. These adjustments, which are more fully described above, consist of the following:



	Net Interest Income			Other Revenues			Provision for Credit Losses			Operating Expenses			Profit (Loss) before Income Tax Expense			Total Assets
	(in millions)
December 31, 2019
Debt extinguishment	$	—		$	123		$	—		$	—		$	123		$	—
Deposit incentives	15			—			—			32			(17		)	(23		)
Derivatives	—			—			—			—			—			(38,651		)
Expected credit losses / loan impairment	(3		)	(1		)	32			—			(36		)	(357		)
Goodwill impairment	—			—			—			156			(156		)	191
Leases	25			—			—			8			17			15
Loan origination	(27		)	—			—			(19		)	(8		)	38
Loans held for sale	2			(1		)	—			—			1			(5		)
Pension and other postretirement benefit costs	—			—			—			(12		)	12			—
Renewable energy tax credit investments	—			(7		)	—			—			(7		)	3
Securities transferred to held-to-maturity	—			—			—			—			—			(65		)
Other	1			(12		)	—			4			(15		)	6
Total adjustments	$	13		$	102		$	32		$	169		$	(86	)	$	(38,848	)

December 31, 2018
Deposit incentives	$	9		$	—		$	—		$	20		$	(11	)	$	(10	)
Derivatives	—			—			—			—			—			(30,866		)
Expected credit losses / loan impairment	(6		)	—			118			—			(124		)	(386		)
Goodwill	—			—			—			—			—			347
Loan origination	(29		)	(3		)	—			(14		)	(18		)	45
Loans held for sale	9			6			(3		)	—			18			45
Pension and other postretirement benefit costs	—			—			—			8			(8		)	(44		)
Property	—			—			—			(8		)	8			7
Renewable energy tax credit investments	—			(10		)	—			—			(10		)	3
Securities transferred to held-to-maturity	—			—			—			—			—			(76		)
Other	1			(2		)	—			(3		)	2			8
Total adjustments	$	(16	)	$	(9	)	$	115		$	3		$	(143	)	$	(30,927	)

December 31, 2017
Derivatives	$	—		$	—		$	—		$	—		$	—		$	(32,900	)
Expected credit losses / loan impairment	(43		)	—			(72		)	—			29			(332		)
Goodwill	—			(1		)	—			—			(1		)	347
Loan origination	(19		)	—			—			(14		)	(5		)	42
Loans held for sale	9			141			—			—			150			21
Pension and other postretirement benefit costs	—			—			—			94			(94		)	(263		)
Property	—			—			—			(11		)	11			8
Renewable energy tax credit investments	(4		)	(7		)	—			—			(11		)	9
Structured notes and deposits	—			85			—			—			85			—
Other	9			(18		)	—			6			(15		)	(10		)
Total adjustments	$	(48	)	$	200		$	(72	)	$	75		$	149		$	(33,078	)


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