GE 2014 Annual Report Download - page 233

GE 2014 FORM 10-K 213
FINANCIAL STATEMENTS FINANCING RECEIVABLES – SUPPLEMENTAL INFORMATION
NOTE 27. SUPPLEMENTAL INFORMATION ABOUT THE CREDIT QUALITY OF
FINANCING RECEIVABLES AND ALLOWANCE FOR LOSSES ON FINANCING
RECEIVABLES
CREDIT QUALITY INDICATORS
Detailed information about the credit quality of our Commercial, Real Estate and Consumer financing receivables portfolios is
provided below. For each portfolio, we describe the characteristics of the financing receivables and provide information about
collateral, payment performance, credit quality indicators and impairment. We manage these portfolios using delinquency and
nonaccrual data as key performance indicators. The categories used within this section such as impaired loans, troubled debt
restructuring (TDR) and nonaccrual financing receivables are defined by the authoritative guidance and we base our
categorization on the related scope and definitions contained in the related standards. The categories of nonaccrual and
delinquent are used in our process for managing our financing receivables.
PAST DUE AND NONACCRUAL FINANCING RECEIVABLES
2014 2013
Over 30 days Over 90 days Over 30 days Over 90 days
December 31 (In millions) past due past due Nonaccrual past due  past due  Nonaccrual 
Commercial
CLL
Americas $ 503 $ 284
$ 1,054 $ 755 $ 359 $ 1,275
International 1,483
749 946 1,490 820 1,459
Total CLL 1,986
1,033 2,000 2,245 1,179 2,734
Energy Financial Services -
- 68 - - 4
GECAS -
- 419 - - -
Other -
- - - - 6
Total Commercial 1,986
1,033 2,487 (a) 2,245 1,179 2,744 (a)
Real Estate 242
183 1,254 (b) 247 212 2,551 (b)
Consumer
Non-U.S. residential mortgages 2,171
1,195 1,262 3,406 2,104 2,161
Non-U.S. installment and revolving credit 333
89 53 601 159 106
U.S. installment and revolving credit 2,492
1,147 2 2,442 1,105 2
Other 141
64 167 172 99 351
Total Consumer 5,137
2,495 (c) 1,484 (d) 6,621 3,467 (c) 2,620 (d)
Total $ 7,365
$ 3,711 $ 5,225 $ 9,113 $ 4,858 $ 7,915
Total as a percent of financing receivables 3.0 % 1.5 % 2.2
% 3.5 % 1.9 % 3.1 %
(a) Included $1,549 million and $1,397 million at December 31, 2014 and 2013, respectively, that are currently paying in accordance with their contractual terms.
(b) Included $1,018 million and $2,308 million at December 31, 2014 and 2013, respectively, that are currently paying in accordance with their contractual terms.
(c) Included $1,231 million and $1,197 million of Consumer loans at December 31, 2014 and 2013, respectively, that 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.
(d) Included $179 million and $324 million at December 31, 2014 and 2013, respectively, that are currently paying in accordance with their contractual terms.