SLM Corp JSM Cash Flow

Slm corp (JSM)

CashFlow / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10	Jun'10	Mar'10	Dec'09	Sep'09	Jun'09	Mar'09
Operating activities
Net income
782	578	584	559	519	487	386	359	320	288	312	292	279	250	269	258	292	274	204	241	194	193	233	200	-41	257	-175	-37	450	215	520	286	-10	53	0	0	0	-	-	-	-	-	0	0	0
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses
351	354	314	284	254	244	242	227	214	185	173	160	152	159	146	132	106	90	90	77	62	85	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax expense
55	-9	40	-54	-48	-63	-167	-73	-68	-58	-70	-64	-76	-88	-68	-97	-70	-77	-46	-9	-37	-40	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of brokered deposit placement fee
19	17	15	14	13	13	11	10	10	9	9	9	9	10	10	10	10	10	10	10	10	10	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of Secured Borrowing Facility upfront fee
0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of deferred loan origination costs and loan premium/(discounts), net
-22	-13	-12	-12	-11	-10	-10	-9	-9	-8	-7	-7	-6	-5	-5	-4	-4	-3	-3	-2	-2	-1	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net amortization of discount on investments
-2	-2	-1	-1	-1	-1	-1	-2	-2	-2	-2	-2	-2	-2	-1	-1	-1	-1	-1	-1	-1	-0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Unrealized loss on investments
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in tax indemnification receivable
-15	-11	-7	-96	-90	-92	-117	-31	-32	-31	-2	11	12	12	14	5	4	5	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation of premises and equipment
15	15	14	14	14	14	12	12	11	11	10	12	10	9	8	6	7	7	7	6	6	6	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of acquired intangibles
-	-	-	-	-	-	-	-	-	-	0	0	0	-	1	1	1	1	1	1	1	3	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income from discontinued operations, net of tax
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-199	264	259	180	219	0	0	0
Gains on loans and investments, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	6	0	0	0	-	-	-	-
Net income attributable to SLM Corporation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Gains on debt repurchases
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	554	536	264	317	0	0	0	-	-	-	-
Gains on debt repurchases and loan sales
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Goodwill and acquired intangible asset impairment and amortization expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-128	535	539	543	0	0	0	-	-	-	-
Stock-based compensation expense
30	31	31	31	31	32	32	32	33	28	26	25	26	22	23	22	21	21	21	27	23	24	23	14	3	15	-9	-3	16	19	15	17	19	22	57	50	52	40	41	47	50	51	0	0	0
Unrealized gains on derivatives and hedging activities, net
58	19	32	24	1	1	-6	2	1	-7	-11	-13	-6	-2	2	0	-0	2	2	10	2	-1	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gains on sales of loans, net
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans and Leases Receivable, Gain (Loss) on Sales, Net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other adjustments to net income, net
-3	-3	0	-7	-7	-7	-7	-6	-6	-6	-6	-6	-5	-4	-2	-0	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Changes in operating assets and liabilities:
Net decrease in loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	1	6	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Origination of loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	1	6	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in restricted cash - other
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-43	-28	-101	-40	0	0	0
Increase in accrued interest receivable
960	963	955	935	901	864	825	786	751	703	658	629	588	582	491	464	403	377	427	346	376	331	317	338	376	281	556	391	154	168	-19	37	-60	48	-460	-236	-50	4	-324	-264	-1,193	-893	0	0	0
Unrealized gains on derivative and hedging activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-475	-362	298	478	473	617	-187	-324	0	0	0
Provisions for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	1,323	1,271	1,362	1,419	1,368	1,331	1,227	1,118	0	0	0
Student loans originated for sale, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9,648	14,212	19,410	32,233	19,099	0	0	0
Decrease (increase) in restricted cash and investments, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of held-to-maturity and other securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	239	208	181	142	0	0	0	-	-	-	-
Proceeds from sales and maturities of held-to-maturity and other securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	220	192	163	136	121	82	74	79	0	0	0
Purchases of other securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities of other securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in restricted cash and investments, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	0	-	0	0	0	-	-713	-781	-386	-426	-285	735	888	1,181	0	0	0
Increase in other interest-earning assets
61	25	42	36	0	5	0	-20	-18	-27	-15	-5	-8	-5	-0	2	-0	-17	1	9	37	72	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in tax indemnification receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-59	-59	-59	-59	-44	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Adjustment for non-cash loss related to Retained Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	329	0	0	0
Increase in other assets
35	3	18	41	29	64	76	103	95	72	77	53	49	47	22	7	27	18	24	30	31	24	29	3	289	2	401	56	-174	7	0	0	0	-	-	-43	-599	-1,207	0	0	0	-	-	-	-
Decrease in income taxes payable, net
0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in accrued interest payable
25	13	20	21	22	25	26	22	19	14	8	4	0	3	3	3	2	0	7	5	5	2	3	-1	2	0	56	-28	-34	2	-141	-45	-111	-4	-12	-41	-10	-77	-60	-73	-153	-517	0	0	0
Decrease in payable due to entity that is a subsidiary of Navient
-	-	-	-	-	-	-	-	-	-	0	0	-0	-	-0	-1	-3	-6	-14	-8	7	8	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease (increase) in other assets, goodwill and acquired intangible assets, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Increase (decrease) in other liabilities
179	5	27	52	-5	15	-1	27	22	1	14	-27	-26	15	-13	-3	-1	-14	-27	-18	-11	-2	93	92	195	39	-55	-133	-20	-0	88	255	-120	-61	-188	-238	-219	-144	-145	-9	28	-29	0	0	0
Total adjustments
-670	-593	-672	-646	-591	-590	-523	-500	-496	-460	-496	-492	-437	-449	-367	-368	-408	-359	-531	-530	-532	-630	0	0	0	-	-	-	-	-	-	-	-79	24	3,444	3,099	-870	-7,244	0	0	0	-	-	-	-
Cash provided by operating activities - continuing operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-16,428	0	0	0
Cash (used in) operating activities - discontinued operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	514	0	0	0
Total net cash provided by operating activities
112	-15	-87	-86	-71	-102	-136	-141	-176	-171	-184	-199	-158	-199	-98	-110	-115	-85	-327	-288	-337	-436	-175	-101	-577	70	-1,835	-1,098	37	99	-53	-150	-89	78	4,035	3,242	-383	-6,692	-10,649	-15,602	-15,994	-15,913	0	0	0
Investing activities
Loans acquired and originated
6,194	6,138	6,259	6,249	6,446	6,493	6,499	6,059	5,651	5,243	4,940	4,811	4,784	4,698	4,652	4,530	4,510	4,366	4,345	4,243	4,233	4,094	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net proceeds from sales of loans held for investment
3,283	0	0	0	44	44	46	48	5	6	7	7	8	9	765	767	1,544	1,547	797	2,031	1,328	2,001	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from claim payments
42	42	47	49	54	54	52	51	49	49	49	55	58	64	70	77	83	111	130	104	147	127	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in loans held for investment
-4,194	-4,094	-3,861	-3,638	-3,418	-3,076	-2,786	-2,528	-2,294	-2,065	-1,866	-1,688	-1,506	-1,332	-1,194	-1,091	-1,001	-913	-834	-798	-698	-638	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of available-for-sale securities
385	356	313	173	49	15	30	41	59	78	70	72	62	55	54	61	68	64	66	51	55	72	84	93	73	62	27	27	33	33	-86	-88	-57	0	6,626	10,527	19,685	38,303	55,616	90,301	126,645	128,478	0	0	0
Increase in restricted cash and investments - variable interest entities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Student loans acquired and originated
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	3,889	3,767	4,200	4,611	6,079	7,120	8,503	9,403	0	0	0
Loans purchased from securitized trusts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5	0	0	0
Installment payments, claims and other
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	11,872	11,526	9,871	9,812	10,363	10,593	11,524	10,749	0	0	0
Proceeds from sales of student loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	796	804	701	588	633	489	401	788	0	0	0
Other loans - originated
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2	0	0	0
Other loans - repaid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	141	144	276	261	0	0	0
Other investing activities, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	319	-83	-884	96	287	319	1,638	703	0	0	0
Proceeds from sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	100	0	0	0
Proceeds from sales and maturities of available-for-sale securities
65	50	39	26	72	77	81	85	42	40	41	40	40	38	33	31	33	33	29	24	15	10	590	590	590	597	-14	-5	24	27	-95	-77	-29	11	6,794	10,872	20,335	39,465	56,368	91,061	126,407	127,951	0	0	0
Cash provided by investing activities - continuing operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9,204	9,656	8,194	7,275	0	0	0	-	-	-	-
Cash provided by investing activities - discontinued operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	160	121	124	139	0	0	0	-	-	-	-
Total net cash provided by (used in) investing activities
1,005	-2,306	-2,624	-2,709	-2,907	-3,254	-3,562	-3,387	-3,318	-3,160	-3,033	-3,083	-3,230	-3,308	-2,659	-2,654	-1,940	-1,847	-2,638	-1,335	-2,098	-1,388	-1,081	-1,732	-3,573	-731	-10,062	-4,778	-760	-1,003	613	-1,961	-1,117	-600	9,364	9,777	8,318	7,414	6,056	4,037	1,227	311	0	0	0
Financing activities
Brokered deposit placement fee
28	27	20	22	20	25	27	25	17	12	10	6	3	4	7	6	6	4	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in certificates of deposit
4,015	4,349	3,254	3,365	2,234	2,525	2,445	2,218	2,425	1,579	171	-182	-376	-434	932	808	476	611	1,116	1,036	590	340	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in other deposits
0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Borrowings collateralized by loans in securitization trusts - issued
1,287	1,105	1,105	1,646	1,674	1,891	2,563	2,023	1,339	1,440	1,438	2,043	2,543	1,775	0	0	0	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	3,033	6,231	5,190	5,917	7,343	6,680	13,211	12,997	0	0	0
Borrowings collateralized by loans in securitization trusts - repaid
1,063	1,042	1,042	1,007	949	888	776	684	635	534	478	409	267	187	121	82	62	41	0	0	0	-	-	-	-	-	-	-	0	-	0	0	0	-	10,897	12,086	11,248	10,636	9,737	7,032	6,357	5,689	0	0	0
Borrowings under Secured Borrowing Facility
-	-	-	-	-	300	300	600	600	300	300	350	350	376	872	1,236	1,236	1,210	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of borrowings under Secured Borrowing Facility
297	8	0	0	0	300	600	600	600	300	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Fees paid on Secured Borrowing Facility
-3	-1	-1	-1	-1	-1	-1	-1	-0	-1	-1	-1	-1	-1	-3	-3	-3	-2	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Issuance costs for unsecured debt offering
-	-	-	-	-	-	-	-	-	1	1	0	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Common stock dividends paid
50	51	38	25	13	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in deposits with entity that is a subsidiary of Navient
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-5	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net capital contributions from entity that is a subsidiary of Navient
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Excess tax (expense) benefit from the exercise of stock-based awards
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9	9	7	3	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-
Preferred stock dividends paid
15	16	17	17	16	15	14	13	13	15	18	20	21	21	20	20	19	19	19	19	17	12	8	3	-5	0	-15	-10	0	0	0	0	0	-	29	42	57	72	87	100	108	115	0	0	0
Asset-backed commercial paper conduits, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-266	-505	-2,856	-2,060	-2,943	-5,683	-17,262	-16,138	0	0	0
ED Conduit Program facility, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-2,966	-2,624	-616	664	0	0	0	-	-	-	-
ED Participation Program, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11,252	15,022	20,280	19,877	19,301	0	0	0
Other short-term borrowings issued
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	298	0	0	0
Other short-term borrowings repaid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	1,434	0	0	0
Other long-term borrowings issued
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	1,968	1,967	1,967	1,464	1,463	1,463	4,640	4,333	0	0	0
Other long-term borrowings repaid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	7,022	9,575	9,228	9,955	8,396	9,081	9,021	9,504	0	0	0
Other financing activities, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-965	-13	303	-21	1,793	1,029	-93	-751	0	0	0
Retail and other deposits, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Other
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-	-	-
Common stock repurchased
665	167	157	120	60	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Noncontrolling interest, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1	-1	-9	0	0	0
Net cash provided by (used in) financing activities
4,055	5,361	4,752	4,777	3,733	4,403	4,339	4,306	3,878	2,994	3,049	3,593	3,593	3,036	2,931	2,528	2,119	1,989	2,677	1,379	2,076	2,002	1,678	1,826	4,001	1,244	11,290	5,718	392	1,037	17	2,004	1,395	-9	-15,751	-15,141	-10,903	-2,449	5,281	11,692	18,544	17,602	0	0	0
Net increase (decrease) in cash, cash equivalents and restricted cash
5,172	3,038	2,039	1,981	754	1,045	640	777	384	-336	-168	309	205	-471	173	-235	62	56	-288	-245	-359	176	422	-8	-148	583	-607	-159	-330	133	577	-107	188	-531	-2,352	-2,122	-2,968	-1,727	688	127	3,777	2,000	0	0	0
Cash disbursements made for:
Interest
669	666	634	587	524	472	405	355	309	269	241	216	191	169	151	133	118	111	105	100	99	90	83	79	-474	76	-1,779	-1,160	11	75	196	148	116	97	2,423	2,452	2,435	2,372	2,349	2,497	2,801	3,656	0	0	0
Income taxes paid
201	201	251	248	229	228	227	253	282	282	286	262	216	271	235	263	244	205	278	293	320	401	165	270	165	81	-159	-252	16	47	-54	-28	-93	25	581	515	359	200	121	168	290	298	0	0	0
Income taxes refunded
3	0	9	10	12	13	5	4	2	1	0	0	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-4	0	0	0	0	-	1,220	1,149	1,144	628	0	0	0	-	-	-	-
Investing activity - Student loans and other assets acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Investing activity - Student loans and other assets removed related to sale of Residual Interest in securitization
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Financing activity - Borrowings assumed in acquisition of student loans and other assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Financing activity - Borrowings removed related to sale of Residual Interest in securitization
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-