Consolidated Income Statement - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing revenue
Operating leases	$ 5,795	$ 5,552	$ 5,555
Retail financing	3,891	3,451	3,070
Dealer financing	2,207	1,903	1,760
Other	84	70	38
Total Financing Revenue	11,977	10,976	10,423
Depreciation on vehicles subject to operating leases	(3,867)	(4,135)	(4,329)
Interest expense	(3,930)	(3,175)	(2,755)
Net financing margin	4,180	3,666	3,339
Other revenue
Insurance premiums earned	167	158	156
Fee based revenue and other	238	243	0
Total financing margin and other revenue	4,585	4,067	3,495
Expenses
Operating expenses	1,429	1,295	1,274
Provision for credit losses	532	588	547
Insurance expenses	77	124	125
Total expenses	2,038	2,007	1,946
Other income, net	80	250	330
Income before income taxes	2,627	2,310	1,879
Provision for income taxes	403	(697)	506
Net income	$ 2,224	$ 3,007	$ 1,373