Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Financing revenue
Retail financing	$ 1,510	$ 1,291
Dealer financing	669	696
Other	38	40
Revenue from Contract with Customer, Excluding Assessed Tax	3,348	3,044
Depreciation on vehicles subject to operating leases	(605)	(610)
Interest expense	(1,790)	(1,848)
Net financing margin	953	586
Other revenue
Premiums Earned, Net	48	36
Fee based revenue and other	24	26
Total financing margin and other revenue	1,025	648
Operating expenses	353	343
Financing Receivable, Credit Loss, Expense (Reversal)	140	88
Insurance expenses	17	30
Total expenses	510	461
Other Income / Loss	65	139
Income before income taxes	580	326
Provision for income taxes	156	92
Net income	424	234
Operating Lease, Lease Income	$ 1,131	$ 1,017