Consolidated Income Statement - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing revenue
Operating leases	$ 4,865	$ 4,129	$ 3,409
Retail financing	2,819	2,776	2,785
Dealer financing	1,539	1,620	1,519
Other	57	81	92
Total financing revenue	9,280	8,606	7,805
Depreciation on vehicles subject to operating leases	(3,640)	(3,088)	(2,397)
Interest expense	(2,416)	(2,656)	(2,730)
Net financing margin	3,224	2,862	2,678
Other revenue
Insurance premiums earned (Note 12)	133	125	119
Other income, net (Note 13)	284	265	258
Total financing margin and other revenue	3,641	3,252	3,055
Expenses
Operating expenses	1,139	1,094	1,090
Provision for credit losses (Note 4)	347	197	146
Insurance expenses (Note 12)	69	107	63
Total expenses	1,555	1,398	1,299
Income before income taxes	2,086	1,854	1,756
Provision for income taxes (Note 10)	723	149	277
Net income	$ 1,363	$ 1,705	$ 1,479