Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing revenue
Retail financing	$ 1,291	$ 929
Dealer financing	696	504
Other	40	27
Revenue from Contract with Customer, Excluding Assessed Tax	3,044	2,509
Depreciation on vehicles subject to operating leases	(610)	(559)
Interest expense	(1,848)	(1,392)
Net financing margin	586	558
Other revenue
Premiums Earned, Net	36	26
Fee based revenue and other	26	21
Total financing margin and other revenue	648	605
Operating expenses	343	320
Financing Receivable, Credit Loss, Expense (Reversal)	88	77
Insurance expenses	30	5
Total expenses	461	402
Other Income / Loss	139	100
Income before income taxes	326	303
Provision for income taxes	92	63
Net income	234	240
Operating Lease, Lease Income	$ 1,017	$ 1,049