Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Financing revenue
Operating leases	$ 1,256	$ 1,062	$ 3,560	$ 3,029
Retail Financing	717	708	2,087	2,095
Dealer Financing	383	424	1,131	1,241
Other	12	20	44	62
Total financing revenue	2,368	2,214	6,822	6,427
Depreciation on vehicles subject to operating leases	(956)	(801)	(2,630)	(2,248)
Interest expense	(582)	(663)	(1,819)	(2,002)
Net financing margin	830	750	2,373	2,177
Other revenue
Insurance premiums earned	32	31	97	94
Other income, net (Note 11)	78	67	179	184
Total financing margin and other revenue	940	848	2,649	2,455
Expenses
Operating expenses	279	276	820	807
Provision for credit losses	100	57	239	115
Insurance expenses	20	17	60	102
Total expenses	399	350	1,119	1,024
Income before income taxes	541	498	1,530	1,431
Provision for income taxes	176	(220)	519	137
Net income	$ 365	$ 718	$ 1,011	$ 1,294