Segments (Notes)

6 Months Ended

Jun. 30, 2013

Segment Reporting Information [Line Items]

Segment Reporting Disclosure [Text Block]

Segment Reporting

We conduct our financing operations directly and indirectly through our subsidiaries and affiliates. We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in reporting segments based on geographic regions: the North America Segment (consisting of operations in the United States and Canada) and the International Segment (consisting of operations in all other countries). Our chief operating decision maker evaluates the operating results and performance of our business based on these reporting segments. The management of each segment is responsible for executing our strategies.

All inter-segment balances and transactions have been eliminated in consolidation.

Key operating data for our reporting segments were as follows (in millions):

	Three Months Ended June 30, 2013
	North America Segment		International Segment		Corporate			Total
Total revenue	$	588	$	248				$	836
Operating expenses, including leased vehicle expenses	203		89					292
Provision for credit losses	81		19					100
Interest expense	91		81		$	(8	)	164
Acquisition and integration expenses			16					16
Income before income taxes	$	213	$	43	$	8		$	264

	Six Months Ended June 30, 2013
	North America Segment		International Segment		Corporate			Total
Total revenue	$	1,128	$	248				$	1,376
Operating expenses, including leased vehicle expenses	391		89					480
Provision for credit losses	175		19					194
Interest expense	173		81		$	(8	)	246
Acquisition and integration expenses			22					22
Income before income taxes	$	389	$	37	$	8		$	434

	June 30, 2013
	North America Segment		International Segment		Corporate	Total
Finance receivables, net	$	11,968	$	10,977		$	22,945
Total assets	$	18,096	$	12,489		$	30,585