Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Financing revenue
Retail financing	$ 906	$ 990
Dealer financing	164	286
Other	7	14
Revenue from Contract with Customer, Excluding Assessed Tax	2,288	2,670
Depreciation on vehicles subject to operating leases	(515)	(568)
Interest expense	(611)	(804)
Net financing margin	1,162	1,298
Other revenue
Premiums Earned, Net	15	27
Fee based revenue and other	23	20
Total financing margin and other revenue	1,200	1,345
Operating expenses	348	343
Financing Receivable, Credit Loss, Expense (Reversal)	(64)	(40)
Insurance expenses	(7)	5
Total expenses	277	308
Other Income / Loss	(169)	(75)
Income before income taxes	754	962
Provision for income taxes	85	117
Net income	669	845
Operating Lease, Lease Income	$ 1,211	$ 1,380