Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Financing revenue
Operating leases	$ 1,394	$ 1,409	$ 4,141	$ 4,115
Retail Financing	891	780	2,518	2,273
Dealer Financing	462	450	1,389	1,333
Other	17	10	51	29
Total financing revenue	2,764	2,649	8,099	7,750
Depreciation on vehicles subject to operating leases	(989)	(1,085)	(3,090)	(3,174)
Interest expense	(810)	(697)	(2,308)	(2,030)
Net financing margin	965	867	2,701	2,546
Other revenue
Insurance premiums earned	38	38	120	118
Fee based revenue and other	61	0	177	0
Total financing margin and other revenue	1,064	905	2,998	2,664
Expenses
Operating expenses	324	287	930	891
Provision for credit losses	169	138	420	403
Insurance expenses	28	22	121	113
Total expenses	521	447	1,471	1,407
Other income, net	57	109	173	224
Income before income taxes	600	567	1,700	1,481
Provision for income taxes	186	181	507	441
Net income	$ 414	$ 386	$ 1,193	$ 1,040