Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Financing revenue
Operating leases	$ 1,388	$ 1,184	$ 2,706	$ 2,304
Retail Financing	757	685	1,493	1,370
Dealer Financing	443	374	883	748
Other	7	14	19	32
Total financing revenue	2,595	2,257	5,101	4,454
Depreciation on vehicles subject to operating leases	(1,075)	(858)	(2,089)	(1,674)
Interest expense	(687)	(599)	(1,333)	(1,237)
Net financing margin	833	800	1,679	1,543
Other revenue
Insurance premiums earned	41	34	80	65
Other income, net	52	47	115	101
Total financing margin and other revenue	926	881	1,874	1,709
Expenses
Operating expenses	310	269	604	541
Provision for credit losses	137	72	265	139
Insurance expenses	79	34	91	40
Total expenses	526	375	960	720
Income before income taxes	400	506	914	989
Provision for income taxes	104	166	260	343
Net income	$ 296	$ 340	$ 654	$ 646