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
Finance Receivables
)LQDQFHUHFHLYDEOHVDUHSUHVHQWHGLQWKHIROORZLQJWDEOH
(
In millions
)
January 2,
2016
January 3,
2015
)LQDQFHUHFHLYDEOHV    
$OORZDQFHIRUORVVHV  
7RWDOILQDQFHUHFHLYDEOHVQHW    
* Includes finance receivables held for sale of $30 million and $35 million at January 2, 2016 and January 3, 2015, respectively.
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UHFHLYDEOHVZHUHGLVWULEXWHGWKURXJKRXWWKH86FRPSDUHGZLWKDWWKHHQGRI$W-DQXDU\DQG-DQXDU\
ILQDQFHUHFHLYDEOHVRIPLOOLRQDQGPLOOLRQUHVSHFWLYHO\KDYHEHHQSOHGJHGDVFROODWHUDOIRU7)&¶VGHEWRIPLOOLRQ
DQGPLOOLRQUHVSHFWLYHO\,QDGGLWLRQDW-DQXDU\DQG-DQXDU\ILQDQFHUHFHLYDEOHVLQFOXGHGPLOOLRQDQG
PLOOLRQUHVSHFWLYHO\RIUHFHLYDEOHVWKDWKDYHEHHQOHJDOO\VROGWRDVSHFLDOSXUSRVHHQWLW\63(ZKLFKLVDFRQVROLGDWHG
VXEVLGLDU\RI7)&7KHDVVHWVRIWKH63(DUHSOHGJHGDVFROODWHUDOIRULWVGHEWZKLFKLVUHIOHFWHGDVVHFXULWL]HGRQEDODQFHVKHHW
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63(
Finance Receivable Portfolio Quality
Credit Quality Indicators and Nonaccrual Finance Receivables
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GHOLQTXHQF\ORDQEDODQFHWRHVWLPDWHGFROODWHUDOYDOXHDQGWKHILQDQFLDOVWUHQJWKRILQGLYLGXDOERUURZHUVDQGJXDUDQWRUV%HFDXVH
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EDVLVDQGFODVVLI\WKHVHORDQVLQWRWKUHHFDWHJRULHVEDVHGRQWKHNH\FUHGLWTXDOLW\LQGLFDWRUVIRUWKHLQGLYLGXDOORDQ7KHVHWKUHH
FDWHJRULHVDUHSHUIRUPLQJZDWFKOLVWDQGQRQDFFUXDO
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SHUIRUPLQJ
Delinquency
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UHSRUWHGLQDFFRUGDQFHZLWKWKHPRVWSDVWGXHGHOLQTXHQF\DJLQJFDWHJRU\
)LQDQFH UHFHLYDEOHV FDWHJRUL]HG EDVHG RQ WKH FUHGLW TXDOLW\ LQGLFDWRUV DQG E\ GHOLQTXHQF\ DJLQJ FDWHJRU\ DUH VXPPDUL]HG DV
IROORZV
(In millions)
January 2,
2016
January 3,
2015
3HUIRUPLQJ    
:DWFKOLVW  
1
RQDFFUXDO  
1
RQDFFUXDODVDSHUFHQWDJHRIILQDQFHUHFHLYDEOHV  
/HVVWKDQGD\VSDVWGXH    
GD\VSDVWGXH  
GD\VSDVWGXH  
2YHUGD\VSDVWGXH  
GD\VFRQWUDFWXDOGHOLQTXHQF\DVDSHUFHQWDJHRIILQDQFHUHFHLYDEOHV  
7(;7521$118$/5(3257