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 March 31, 2020
Net interest income	$	195		$	208		$	81		$	31		$	4		$	519		$	3		$	(18	)	$	504
Other operating income	59			58			264			16			(26		)	371			(4		)	20			387
Total operating income	254			266			345			47			(22		)	890			(1		)	2			891
Expected credit losses / provision for credit losses	140			123			115			—			1			379			347			—			726
	114			143			230			47			(23		)	511			(348		)	2			165
Operating expenses	660			146			187			370			146			1,509			94			2			1,605
Profit (loss) before income tax	$	(546	)	$	(3	)	$	43		$	(323	)	$	(169	)	$	(998	)	$	(442	)	$	—		$	(1,440	)
Balances at end of period:
Total assets	$	18,954		$	31,540		$	114,802		$	7,159		$	97,154		$	269,609		$	(64,532	)	$	—		$	205,077
Total loans, net	17,701			30,370			22,461			6,084			2,039			78,655			(4,596		)	6,738			80,797
Goodwill	—			358			—			—			—			358			100			—			458
Total deposits	39,083			32,309			40,417			8,201			4,305			124,315			(7,066		)	19,474			136,723

Three Months Ended March 31, 2019
Net interest income	$	221		$	201		$	151		$	37		$	14		$	624		$	6		$	(68	)	$	562
Other operating income	65			58			175			16			24			338			(17		)	69			390
Total operating income	286			259			326			53			38			962			(11		)	1			952
Expected credit losses / provision for credit losses	21			6			(17		)	(1		)	1			10			41			7			58
	265			253			343			54			37			952			(52		)	(6		)	894
Operating expenses	311			138			206			53			40			748			8			(6		)	750
Profit (loss) before income tax	$	(46	)	$	115		$	137		$	1		$	(3	)	$	204		$	(60	)	$	—		$	144
Balances at end of period:
Total assets	$	18,733		$	25,612		$	78,899		$	6,686		$	79,715		$	209,645		$	(28,724	)	$	—		$	180,921
Total loans, net	16,885			24,447			20,068			5,584			2,230			69,214			(1,797		)	3,034			70,451
Goodwill	581			358			—			321			—			1,260			347			—			1,607
Total deposits	33,459			22,323			28,274			7,540			6,629			98,225			(2,827		)	18,241			113,639


⁽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.