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      "text": "(a) Refer to footnote (a) on page 25 for information on the Firm's nonaccrual policy for credit card loans.",
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      "text": "CREDIT RATIOS\nConsumer, excluding credit card allowance, to total\nconsumer, excluding credit card retained loans\nCredit card allowance to total credit card retained loans\nWholesale allowance to total wholesale retained loans\nTotal allowance to total retained loans\nConsumer, excluding credit card allowance, to consumer,\nexcluding credit card retained nonaccrual loans (a)\nTotal allowance, excluding credit card allowance, to retained\nnonaccrual loans, excluding credit card nonaccrual loans (a)\nWholesale allowance to wholesale retained nonaccrual loans\nTotal allowance to total retained nonaccrual loans",
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