Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Financing revenue
Operating leases	$ 1,463	$ 1,394	$ 4,321	$ 4,141
Retail financing	983	891	2,890	2,518
Dealer financing	519	462	1,624	1,389
Other	20	17	62	51
Total financing revenue	2,985	2,764	8,897	8,099
Depreciation on vehicles subject to operating leases	(907)	(989)	(2,898)	(3,090)
Interest expense	(989)	(810)	(2,898)	(2,308)
Net financing margin	1,089	965	3,101	2,701
Other revenue
Insurance premiums earned	39	38	123	120
Fee based revenue and other	57	61	180	177
Total financing margin and other revenue	1,185	1,064	3,404	2,998
Operating expenses	368	324	1,070	930
Provision for credit losses (Note 6)	156	169	367	420
Insurance expenses	19	28	77	121
Total expenses	543	521	1,514	1,471
Other income, net	36	57	74	173
Income before income taxes	678	600	1,964	1,700
Provision for income taxes	160	186	266	507
Net income	$ 518	$ 414	$ 1,698	$ 1,193