Segments (Notes)

12 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

Segment Reporting Disclosure [Text Block]

Segment Reporting and Geographic Information

Segments

We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment (consisting of operations in the U.S. and Canada) and the International Segment (consisting of operations in all other countries). Our chief operating decision maker evaluates the operating results and performance of our business based on these operating segments. The management of each segment is responsible for executing our strategies.

For segment reporting purposes only, interest expense related to the senior notes has been allocated based on targeted leverage for each segment. Interest expense in excess of the targeted overall leverage is reflected in the "Corporate" column below. In addition, the interest income on $1.7 billion in intercompany loans provided to the international operations is presented in the "Corporate" column below.

All inter-segment balances and transactions have been eliminated. Prior to our acquisition of the international operations, we evaluated our business in a single operating segment. Therefore, segment information is presented only for 2013.

Key operating data for our operating segments were as follows (in millions):

	Year Ended December 31, 2013
	North America		International		Corporate		Eliminations			Total
Total revenue	$	2,376	$	968	$	43	$	(43	)	$	3,344
Operating expenses, including leased vehicle expenses	893		330		—		—			1,223
Provision for credit losses	393		82		—		—			475
Interest expense	360		362		42		(43		)	721
Acquisition and integration expenses	—		42		—		—			42
Income before income taxes	$	730	$	152	$	1	$	—		$	883

	December 31, 2013
	North America		International		Total
Finance receivables, net	$	12,878	$	16,404	$	29,282
Total assets	$	19,094	$	18,896	$	37,990

Geographic Information

Operating data related to our operations in the U.S., Canada, Brazil, Mexico, Germany, the U.K. and all other foreign countries is as follows (in millions):

	As of and for the Year Ended December 31, 2013
Total revenue:
U.S.	$	2,185
Canada	204
Brazil	234
Mexico	158
Germany	172
U.K.	150
All other	241
Total revenue	$	3,344
Financial receivables, net:
U.S.	$	12,633
Canada	247
Brazil	4,355
Mexico	1,647
Germany	3,992
U.K.	3,168
All other	3,240
Total finance receivables, net	$	29,282
Long-lived assets(a):
U.S.	$	2,472
Canada	965
Brazil	4
Mexico	3
Germany	12
U.K.	50
All other	9
Total long-lived assets	$	3,515

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(a) Includes $3.4 billion of vehicles on operating leases.