Consolidated Income Statement - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing revenue
Operating leases	$ 5,552	$ 5,555	$ 4,865
Retail financing	3,451	3,070	2,819
Dealer financing	1,903	1,760	1,539
Other	70	38	57
Total financing revenue	10,976	10,423	9,280
Depreciation on vehicles subject to operating leases	(4,135)	(4,329)	(3,640)
Interest expense	(3,175)	(2,755)	(2,416)
Net financing margin	3,666	3,339	3,224
Other revenue
Insurance premiums earned	158	156	133
Fee based revenue and other	243	0	0
Total financing margin and other revenue	4,067	3,495	3,357
Expenses
Operating expenses	1,295	1,274	1,139
Provision for credit losses	588	547	347
Insurance expenses	124	125	69
Total expenses	2,007	1,946	1,555
Other income, net	250	330	284
Income before income taxes	2,310	1,879	2,086
Provision for income taxes	(697)	506	723
Net income	$ 3,007	$ 1,373	$ 1,363