Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing revenue
Operating leases	$ 1,477	$ 1,415
Retail financing	984	948
Dealer financing	608	536
Other	24	22
Revenue from Contract with Customer, Excluding Assessed Tax	3,093	2,921
Depreciation on vehicles subject to operating leases	(924)	(1,053)
Interest expense	(1,121)	(912)
Net financing margin	1,048	956
Other revenue
Insurance premiums earned	47	41
Fee based revenue and other	54	58
Total financing margin and other revenue	1,149	1,055
Operating expenses	364	345
Provision for credit losses	33	94
Insurance expenses	10	12
Total expenses	407	451
Other income, net	59	37
Income before income taxes	801	641
Provision for income taxes	198	(60)
Net income	$ 603	$ 701