Consolidated Income Statement - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Financing revenue
Operating leases	$ 1,184	$ 1,001	$ 2,304	$ 1,967
Retail Financing	685	691	1,370	1,387
Dealer Financing	374	424	748	817
Other	14	21	32	42
Total financing revenue	2,257	2,137	4,454	4,213
Depreciation on vehicles subject to operating leases	(858)	(742)	(1,674)	(1,447)
Interest expense	(599)	(673)	(1,237)	(1,339)
Net financing margin	800	722	1,543	1,427
Other revenue
Insurance premiums earned	34	31	65	63
Other income, net (Note 11)	47	66	101	117
Total financing margin and other revenue	881	819	1,709	1,607
Expenses
Operating expenses	269	281	541	531
Provision for credit losses	72	27	139	58
Insurance expenses	34	77	40	85
Total expenses	375	385	720	674
Income before income taxes	506	434	989	933
Provision for income taxes	166	170	343	357
Net income	$ 340	$ 264	$ 646	$ 576