Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Financing revenue
Operating leases	$ 1,407	$ 1,480	$ 4,267	$ 4,429
Retail financing	1,008	987	2,925	2,958
Dealer financing	345	534	1,171	1,738
Other	22	23	71	73
Revenue from Contract with Customer, Excluding Assessed Tax	2,782	3,024	8,434	9,198
Depreciation on vehicles subject to operating leases	(537)	(894)	(2,579)	(2,712)
Interest expense	(792)	(1,081)	(2,615)	(3,316)
Net financing margin	1,453	1,049	3,240	3,170
Premiums Earned, Net	32	43	113	136
Other revenue
Fee based revenue and other	41	60	133	175
Total financing margin and other revenue	1,526	1,152	3,486	3,481
Operating expenses	311	350	978	1,064
Provision for credit losses	86	93	765	189
Insurance expenses	16	33	82	103
Total expenses	413	476	1,825	1,356
Other income, net	10	60	35	243
Income before income taxes	1,123	736	1,696	2,368
Provision for income taxes	264	165	409	581
Net income	$ 859	$ 571	$ 1,287	$ 1,787