Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Financing revenue
Operating leases	$ 1,415	$ 1,366
Retail financing	948	802
Dealer financing	536	451
Other	22	17
Total financing revenue	2,921	2,636
Depreciation on vehicles subject to operating leases	(1,028)	(1,064)
Interest expense	(912)	(729)
Net financing margin	981	843
Other revenue
Insurance premiums earned	41	40
Fee based revenue and other	58	55
Total financing margin and other revenue	1,080	938
Expenses
Operating expenses	345	304
Provision for credit losses	119	152
Insurance expenses	12	31
Total expenses	476	487
Other income, net	37	30
Income before income taxes	641	481
Provision for income taxes	(60)	148
Net income	$ 701	$ 333