Consolidated Statements of Income - USD ($) $ in Millions	3 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Financing revenues:
Operating lease	$ 1,521	$ 1,615
Retail	1,420	1,104
Dealer	268	185
Total financing revenues	3,209	2,904
Depreciation on operating leases	1,034	1,155
Interest expense	1,443	899
Net financing revenues	732	850
Voluntary protection contract revenues and insurance earned premiums	295	271
Investment and other income, net	223	162
Net financing revenues and other revenues	1,250	1,283
Expenses:
Provision for credit losses	189	165
Operating and administrative	440	448
Voluntary protection contract expenses and insurance losses	159	146
Total expenses	788	759
Income before income taxes	462	524
Provision for income taxes	105	132
Net income	$ 357	$ 392