CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue
Finance charge income	$ 7,669	$ 6,204	$ 4,521
Leased vehicle income	7,297	7,266	7,811
Other income	909	754	434
Total revenue	15,875	14,224	12,766
Costs and expenses
Operating expenses	1,802	1,818	1,662
Leased vehicle expenses	4,113	4,047	3,668
Provision for loan losses (Note 3)	1,029	826	654
Interest expense	6,030	4,685	2,881
Total costs and expenses	12,974	11,376	8,864
Equity income (loss)	64	138	173
Impairment of investment in nonconsolidated affiliate	(320)	0	0
Income (loss) before income taxes	2,645	2,985	4,076
Income tax provision (benefit)(Note 14)	784	741	992
Net income (loss)	1,860	2,245	3,084
Less: cumulative dividends on preferred stock	119	119	119
Net income (loss) attributable to common shareholder	$ 1,742	$ 2,126	$ 2,966