Segment Reporting (Tables)

3 Months Ended

Mar. 31, 2015

Schedule of Segment Reporting Information, by Segment

All inter-segment balances and transactions have been eliminated. Key financial data for our operating segments were as follows (in millions):



	Three Months Ended March 31, 2015
	North America		International		Corporate			Eliminations			Total
Total revenue	$	906	$	448	$	7		$	(7	)	$	1,354
Operating expenses, including leased vehicle expenses	487		146		—			—			633
Provision for loan losses	118		37		—			—			155
Interest expense	165		206		16			(7		)	380
Equity income	—		28		—			—			28
Income before income taxes	$	136	$	87	$	(9	)	$	—		$	214



	Three Months Ended March 31, 2014
	North America		International		Corporate			Eliminations			Total
Total revenue	$	636	$	461	$	16		$	(16	)	$	1,097
Operating expenses, including leased vehicle expenses	274		151		—			—			425
Provision for loan losses	103		32		—			—			135
Interest expense	92		214		25			(16		)	315
Income before income taxes	$	167	$	64	$	(9	)	$	—		$	222



	March 31, 2015						December 31, 2014
	North America		International		Total		North America		International		Total
Finance receivables, net	$	16,929	$	15,541	$	32,470	$	15,943	$	17,057	$	33,000
Total assets	$	30,535	$	18,811	$	49,346	$	27,687	$	20,037	$	47,724

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References+ Details