Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Financing revenue
Operating leases	$ 1,459	$ 1,477
Retail financing	976	984
Dealer financing	485	608
Other	22	24
Revenue from Contract with Customer, Excluding Assessed Tax	2,942	3,093
Depreciation on vehicles subject to operating leases	(1,052)	(924)
Interest expense	(984)	(1,121)
Net financing margin	906	1,048
Other revenue
Insurance Premiums Earned	47	47
Fee based revenue and other	43	54
Total financing margin and other revenue	996	1,149
Operating expenses	362	364
Provision for credit losses	586	33
Insurance expenses	6	10
Total expenses	954	407
Other income, net	(12)	59
Income before income taxes	30	801
Provision for income taxes	9	198
Net income	$ 21	$ 603