Consolidated Income Statement - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing revenue
Operating leases	$ 5,653	$ 5,899	$ 5,795
Retail financing	3,927	3,958	3,891
Dealer financing	1,474	2,265	2,207
Other	88	96	84
Total Financing Revenue	11,142	12,218	11,977
Depreciation on vehicles subject to operating leases	(3,235)	(3,635)	(3,973)
Interest expense	(3,402)	(4,389)	(3,930)
Net financing margin	4,505	4,194	4,074
Other revenue
Insurance premiums earned	143	182	167
Fee based revenue and other	177	223	238
Total financing margin and other revenue	4,825	4,599	4,479
Expenses
Operating expenses	1,330	1,416	1,429
Provision for credit losses	828	296	426
Insurance expenses	82	103	77
Total expenses	2,240	1,815	1,932
Other income, net	23	214	80
Income before income taxes	2,608	2,998	2,627
Provision for income taxes	684	770	403
Net income	$ 1,924	$ 2,228	$ 2,224