Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing revenue
Operating leases	$ 1,318	$ 1,120
Retail Financing	736	685
Dealer Financing	440	374
Other	12	18
Total financing revenue	2,506	2,197
Depreciation on vehicles subject to operating leases	(1,014)	(816)
Interest expense	(646)	(638)
Net financing margin	846	743
Other revenue
Insurance premiums earned	39	31
Other income, net	63	54
Total financing margin and other revenue	948	828
Expenses
Operating expenses	294	272
Provision for credit losses	128	67
Insurance expenses	12	6
Total expenses	434	345
Income before income taxes	514	483
Provision for income taxes	156	177
Net income	$ 358	$ 306