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GE 2013 ANNUAL REPORT 95
    
PAST DUE FINANCING RECEIVABLES
The following tables display payment performance of Commercial, Real Estate and Consumer fi nancing receivables.
2013 2012
December 31
Over 30 days
past due
Over 90 days
past due (a) Over 30 days
past due
Over 90 days
past due
COMMERCIAL
CLL
Americas 1.1% 0.5% 1.1% 0.5%
Europe 3.8 2.1 3.7 2.1
Asia 0.5 0.3 0.9 0.6
Other — — 0.1 —
Total CLL 1.9 1.0 1.9 1.0
Energy Financial Services — — — —
GECAS — — — —
Other 0.1 0.1 2.8 2.8
Total Commercial 1.7 0.9 1.7 0.9
REAL ESTATE 1.2 1.1 2.3 2.2
CONSUMER
Non-U.S. residential mortgages (b) 11.2 6.9 12.0 7.5
Non-U.S. installment and revolving credit 3.7 1.1 3.8 1.1
U.S. installment and revolving credit 4.4 2.0 4.6 2.0
Non-U.S. auto 4.4 0.7 3.1 0.5
Other 2.5 1.4 2.8 1.7
Total Consumer 6.1 3.2 6.5 3.4
Total 3.5 1.9 3.7 2.1
(a) Included $1,197 million of Consumer loans at December 31, 2013, 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.
(b) Consumer loans secured by residential real estate (both revolving and closed-end loans) are written down to the fair value of collateral, less costs to sell, no later than when
they become 180 days past due.
NONACCRUAL FINANCING RECEIVABLES
Nonaccrual financing
receivables (a) Nonearning financing
receivables (a)
December 31 (Dollars in millions) 2013 2012 2013 2012
COMMERCIAL
CLL
Americas $ 1,275 $ 1,951 $ 1,243 $ 1,333
Europe 1,046 1,740 1,046 1,299
Asia 413 395 413 193
Other — 52 — 52
Total CLL 2,734 4,138 2,702 2,877
Energy Financial Services 4 — 4 —
GECAS — 3 — —
Other 6 25 6 13
Total Commercial 2,744 (b) 4,166 (b) 2,712 2,890
REAL ESTATE 2,551 (c) 4,885 (c) 2,301 444
CONSUMER
Non-U.S. residential mortgages 2,161 2,598 1,766 2,567
Non-U.S. installment and revolving credit 88 213 88 213
U.S. installment and revolving credit 2 1,026 2 1,026
Non-U.S. auto 18 24 18 24
Other 351 427 345 351
Total Consumer 2,620
(d) 4,288 (d) 2,219 4,181
Total $ 7,915 $ 13,339 $ 7,232 $ 7,515
Allowance for losses percentage
COMMERCIAL 36.6% 25.0% 37.1% 36.0%
REAL ESTATE 7.5 6.6 8.3 72.1
CONSUMER 151.9 83.6 179.4 85.7
Total 65.4 37.1 71.6 65.8
(a) During the fourth quarter of 2013, we revised our methods for classifying financing receivables as nonaccrual and nonearning to more closely align with regulatory guidance. Given
that the revised methods result in nonaccrual and nonearning amounts that are substantially the same, we plan to discontinue the reporting of nonearning financing receivables in
the first quarter of 2014. Further information on our nonaccrual and nonearning financing receivables is provided in Note 1 to the consolidated financial statements.
(b) Included $1,397 million and $2,647 million at December 31, 2013 and 2012, respectively, that are currently paying in accordance with their contractual terms.
(c) Included $2,308 million and $4,461 million at December 31, 2013 and 2012, respectively, that are currently paying in accordance with their contractual terms.
(d) Included $527 million and $734 million at December 31, 2013 and 2012, respectively, that are currently paying in accordance with their contractual terms.