Supplemental Information About The Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables (Tables)

9 Months Ended

Sep. 30, 2015

Credit Quality Financing Receivables [Abstract]

Nonaccrual Financing Receivables

PAST DUE AND NONACCRUAL FINANCING RECEIVABLES

		September 30, 2015								December 31, 2014
		Over 30 days		Over 90 days						Over 30 days		Over 90 days
(In millions)		past due		past due			Nonaccrual			past due		past due			Nonaccrual

Commercial
CLL	$	655	$	174		$	27		$	610	$	131		$	25
Energy Financial Services		63		63			82			-		-			68
GECAS		2		-			195			-		-			419
Total Commercial		720		237			304	(a)		610		131			512	(a)
Consumer		2,553		1,102	(b)		2	(c)		5,137		2,495	(b)		1,484	(c)
Total	$	3,273	$	1,339		$	306		$	5,747	$	2,626		$	1,996
Total as a percent of financing receivables		3.8 %		1.5 %			0.4 %			4.5 %		2.1 %			1.6 %

(a) Included $228 million and $484 million at September 30, 2015 and December 31, 2014, respectively, which are currently paying in accordance with their contractual terms.

Included $1,100 million and $1,231 million of Consumer loans at September 30, 2015 and December 31, 2014, respectively, which are over 90 days past due and continue to accrue interest until the accounts are written off in the period that the account becomes 180 days past due.
Included none and $179 million at September 30, 2015 and December 31, 2014, respectively, which are currently paying in accordance with their contractual terms.

Impaired Loans

IMPAIRED LOANS AND RELATED RESERVES

	With no specific allowance						With a specific allowance
	Recorded		Unpaid		Average		Recorded		Unpaid					Average
	investment		principal		investment		investment		principal			Associated		investment
(In millions)	in loans		balance		in loans		in loans		balance			allowance(a)		in loans

September 30, 2015

Commercial
CLL	$	11	$	11	$	11	$	5	$	5		$	3	$	5
Energy Financial Services		82		100		54		-		-			-		6
GECAS		116		122		213		-		-			-		-
Other		-		-		-		-		-			-		-
Total Commercial(b)		209		233		278		5		5			3		11
Consumer(c)		-		-		35		736		640	(d)		242		1,055
Total	$	209	$	233	$	313	$	741	$	645		$	245	$	1,066

December 31, 2014

Commercial
CLL	$	10	$	10	$	7	$	5	$	5		$	4	$	4
Energy Financial Services		53		54		26		15		15			12		24
GECAS		329		337		88		-		-			-		15
Other		-		-		-		-		-			-		1
Total Commercial(b)		392		401		121		20		20			16		44
Consumer(c)		138		179		120		2,042		2,092			408		2,547
Total	$	530	$	580	$	241	$	2,062	$	2,112		$	424	$	2,591

Write-offs to net realizable value are recognized against the allowance for losses primarily in the reporting period in which management has deemed all or a portion of the financing receivable to be uncollectible.
We recognized insignificant amounts of interest income, including none on a cash basis, in the nine months ended September 30, 2015, the year ended December 31, 2014 and the nine months ended September 30, 2014, respectively, in CLL. The total average investment in impaired loans for the nine months ended September 30, 2015 and the year ended December 31, 2014 was $289 million and $165 million, respectively.
We recognized $48 million, $126 million and $135 million of interest income, including $1 million, $5 million and $3 million on a cash basis, in the nine months ended September 30, 2015, the year ended December 31, 2014 and the nine months ended September 30, 2014, respectively. The total average investment in impaired loans for the nine months ended September 30, 2015 and the year ended December 31, 2014 was $1,090 million and $2,667 million, respectively.
Unpaid principal balance excludes accrued interest and fees.

Financing Receivables And Allowance For Losses

(In millions)	Non-impaired financing receivables		General reserves		Impaired loans		Specific reserves

September 30, 2015

Commercial	$	23,470	$	82	$	214	$	3
Consumer		62,784		3,130		736		242
Total	$	86,254	$	3,212	$	950	$	245

December 31, 2014

Commercial	$	25,329	$	77	$	412	$	16
Consumer		98,640		3,603		2,180		408
Total	$	123,969	$	3,680	$	2,592	$	424

Schedule Of Impaired Loan Balance Classified To Measure Impairment [Table Text Block]

IMPAIRED LOAN BALANCE CLASSIFIED BY THE METHOD USED TO MEASURE IMPAIRMENT

(In millions)	September 30, 2015		December 31, 2014

Discounted cash flow	$	819	$	2,149
Collateral value		131		443
Total	$	950	$	2,592

Commercial [Member]

Supplemental Information About Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables [Line Items]

Credit Quality Indicators

COMMERCIAL FINANCING RECEIVABLES BY RISK CATEGORY

	Secured
(In millions)	A		B		C		Total

September 30, 2015

CLL	$	13,260	$	44	$	37	$	13,341
Energy Financial Services		2,301		41		-		2,342
GECAS		7,076		225		93		7,394
Other		153		-		-		153
Total	$	22,790	$	310	$	130	$	23,230

December 31, 2014

CLL	$	14,271	$	49	$	98	$	14,418
Energy Financial Services		2,479		60		16		2,555
GECAS		7,908		237		118		8,263
Other		130		-		-		130
Total	$	24,788	$	346	$	232	$	25,366

Consumer [Member]

Supplemental Information About Credit Quality Of Financing Receivables And Allowance For Losses On Financing Receivables [Line Items]

Credit Quality Indicators

	Refreshed FICO score
	September 30, 2015						December 31, 2014
	661 or		601 to		600 or		661 or		601 to		600 or
(in millions)	higher		660		less		higher		660		less

U.S. installment and
revolving credit	$	45,383	$	12,304	$	4,403	$	43,466	$	11,865	$	4,532