CONSOLIDATED INCOME STATEMENTS - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Financing revenue
Operating leases	$ 1,245	$ 1,065	$ 3,552	$ 3,112
Retail financing	1,571	1,458	4,620	4,113
Dealer financing	642	724	1,972	2,170
Other financing	43	44	126	127
Total financing revenue	3,501	3,291	10,270	9,522
Depreciation on vehicles subject to operating leases	(626)	(600)	(1,834)	(1,823)
Interest expense	(1,802)	(1,878)	(5,351)	(5,623)
Net financing margin	1,073	813	3,085	2,076
Other revenue
Insurance premiums earned	40	42	130	120
Fee based revenue and other	30	30	77	110
Total financing margin and other revenue	1,143	885	3,292	2,306
Operating expenses	463	336	1,259	1,022
Provision for credit losses (Note 4)	135	99	389	282
Insurance expenses	22	17	86	144
Total expenses	620	452	1,734	1,448
Other income/(loss), net (Note 10)	108	111	298	355
Income before income taxes	631	544	1,856	1,213
Provision for/(Benefit from) income taxes	65	51	323	231
Net income	$ 566	$ 493	$ 1,533	$ 982