Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Financing revenue
Operating leases	$ 1,366	$ 1,318
Retail Financing	802	736
Dealer Financing	451	440
Other	17	12
Total financing revenue	2,636	2,506
Depreciation on vehicles subject to operating leases	(1,064)	(1,014)
Interest expense	(729)	(646)
Net financing margin	843	846
Other revenue
Insurance premiums earned	40	39
Fee based revenue and other	55	0
Total financing margin and other revenue	938	885
Expenses
Operating expenses	304	294
Provision for credit losses	152	128
Insurance expenses	31	12
Total expenses	487	434
Other income, net	30	63
Income before income taxes	481	514
Provision for income taxes	148	156
Net income	$ 333	$ 358