Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Financing revenue
Operating leases	$ 1,472	$ 1,443	$ 2,949	$ 2,858
Retail financing	987	959	1,971	1,907
Dealer financing	596	569	1,204	1,105
Other	26	20	50	42
Revenue from Contract with Customer, Excluding Assessed Tax	3,081	2,991	6,174	5,912
Depreciation on vehicles subject to operating leases	(894)	(986)	(1,818)	(2,039)
Interest expense	(1,114)	(997)	(2,235)	(1,909)
Net financing margin	1,073	1,008	2,121	1,964
Other revenue
Insurance premiums earned	46	43	93	84
Fee based revenue and other	61	65	115	123
Total financing margin and other revenue	1,180	1,116	2,329	2,171
Operating expenses	350	357	714	702
Provision for credit losses	63	69	96	163
Insurance expenses	60	46	70	58
Total expenses	473	472	880	923
Other income, net	124	1	183	38
Income before income taxes	831	645	1,632	1,286
Provision for income taxes	218	166	416	106
Net income	$ 613	$ 479	$ 1,216	$ 1,180