CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Revenue
Finance charge income	$ 4,521	$ 4,103	$ 3,996
Leased vehicle income	7,811	9,026	9,530
Other income	434	290	305
Total revenue	12,766	13,419	13,831
Costs and expenses
Operating expenses	1,662	1,648	1,490
Leased vehicle expenses	3,668	4,142	5,882
Provision for loan losses (Note 3)	654	248	881
Interest expense	2,881	2,546	3,023
Total costs and expenses	8,864	8,584	11,276
Equity income (Note 6)	173	201	147
Income before income taxes	4,076	5,036	2,702
Income tax provision (Note 14)	992	1,247	693
Net income (loss)	3,084	3,789	2,009
Less: cumulative dividends on preferred stock	119	119	98
Net income (loss) attributable to common shareholder	$ 2,966	$ 3,670	$ 1,911