Consolidated Statements of Financial Position - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Assets:
Cash and cash equivalents	$ 1,023	$ 857
Finance receivables
Retail notes receivable	10,499	11,005
Wholesale notes receivable	3,890	4,514
Finance leases and installment sale contracts - Retail	13,574	14,455
Finance leases and installment sale contracts - Wholesale	421	384
Total gross finance receivables	28,384	30,358
Less: Unearned income	(793)	(883)
Less: Allowance for credit losses	(348)	(401)
Total net finance receivables	27,243	29,074
Notes receivable from Caterpillar	469	414
Equipment on operating leases, less accumulated depreciation	3,512	3,624
Deferred and refundable income taxes	103	206
Other assets	1,167	1,001
Total assets	33,517	35,176
Liabilities and stockholder's equity:
Payable to dealers and others	128	113
Payable to Caterpillar - other	55	69
Accrued expenses	181	212
Income taxes payable	44	66
Payable to Caterpillar - borrowings	1,093	1,108
Short-term borrowings	6,068	4,699
Current maturities of long-term debt	5,739	6,283
Long-term debt	16,211	18,291
Deferred income taxes and other liabilities	715	681
Total liabilities	$ 30,234	$ 31,522
Commitments and contingent liabilities (Notes 7 and 9)
Common stock - $1 par value Authorized: 2,000 shares; Issued and outstanding: one share (at paid-in amount)	$ 745	$ 745
Additional paid-in capital	2	2
Retained earnings	3,235	3,139
Accumulated other comprehensive income/(loss)	(828)	(364)
Noncontrolling interests	129	132
Total stockholder's equity	3,283	3,654
Total liabilities and stockholder's equity	$ 33,517	$ 35,176