Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Financing revenue
Operating leases	$ 1,480	$ 1,463	$ 4,429	$ 4,321
Retail financing	987	983	2,958	2,890
Dealer financing	534	519	1,738	1,624
Other	23	20	73	62
Revenue from Contract with Customer, Excluding Assessed Tax	3,024	2,985	9,198	8,897
Depreciation on vehicles subject to operating leases	(894)	(936)	(2,712)	(2,975)
Interest expense	(1,081)	(989)	(3,316)	(2,898)
Net financing margin	1,049	1,060	3,170	3,024
Other revenue
Insurance premiums earned	43	39	136	123
Fee based revenue and other	60	57	175	180
Total financing margin and other revenue	1,152	1,156	3,481	3,327
Operating expenses	350	368	1,064	1,070
Provision for credit losses	93	127	189	290
Insurance expenses	33	19	103	77
Total expenses	476	514	1,356	1,437
Other income, net	60	36	243	74
Income before income taxes	736	678	2,368	1,964
Provision for income taxes	165	160	581	266
Net income	$ 571	$ 518	$ 1,787	$ 1,698