Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Financing revenue
Operating leases	$ 1,409	$ 1,256	$ 4,115	$ 3,560
Retail Financing	780	717	2,273	2,087
Dealer Financing	450	383	1,333	1,131
Other	10	12	29	44
Total financing revenue	2,649	2,368	7,750	6,822
Depreciation on vehicles subject to operating leases	(1,085)	(956)	(3,174)	(2,630)
Interest expense	(697)	(582)	(2,030)	(1,819)
Net financing margin	867	830	2,546	2,373
Other revenue
Insurance premiums earned	38	32	118	97
Other income, net	109	78	224	179
Total financing margin and other revenue	1,014	940	2,888	2,649
Expenses
Operating expenses	287	279	891	820
Provision for credit losses	138	100	403	239
Insurance expenses	22	20	113	60
Total expenses	447	399	1,407	1,119
Income before income taxes	567	541	1,481	1,530
Provision for income taxes	181	176	441	519
Net income	$ 386	$ 365	$ 1,040	$ 1,011