Segment Reporting

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 and the International Segment. The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in Brazil, Chile, Colombia, Mexico and Peru as well as our equity investment in SAIC-GMAC, a joint venture that conducts auto finance operations in China. 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. As discussed in Note 2 - "Discontinued Operations," our European Operations are presented as discontinued operations and are excluded from our segment results for all periods presented. These operations were previously included in our International Segment. Key operating data for our operating segments were as follows:



	Three Months Ended June 30, 2017
	North America		International		Total
Total revenue	$	2,700	$	290	$	2,990
Operating expenses	253		80		333
Leased vehicle expenses	1,543		6		1,549
Provision for loan losses	133		25		158
Interest expense	497		138		635
Equity income	—		41		41
Income from continuing operations before income taxes	$	274	$	82	$	356



	Three Months Ended June 30, 2016
	North America		International		Total
Total revenue	$	1,886	$	252	$	2,138
Operating expenses	215		81		296
Leased vehicle expenses	1,061		1		1,062
Provision for loan losses	125		19		144
Interest expense	337		123		460
Equity income	—		37		37
Income from continuing operations before income taxes	$	148	$	65	$	213



	Six Months Ended June 30, 2017
	North America		International		Total
Total revenue	$	5,174	$	564	$	5,738
Operating expenses	501		162		663
Leased vehicle expenses	2,969		9		2,978
Provision for loan losses	320		49		369
Interest expense	952		279		1,231
Equity income	—		88		88
Income from continuing operations before income taxes	$	432	$	153	$	585



	Six Months Ended June 30, 2016
	North America		International		Total
Total revenue	$	3,574	$	495	$	4,069
Operating expenses	416		153		569
Leased vehicle expenses	1,949		2		1,951
Provision for loan losses	302		32		334
Interest expense	642		240		882
Equity income	—		73		73
Income from continuing operations before income taxes	$	265	$	141	$	406



	June 30, 2017						December 31, 2016
	North America		International		Total		North America		International		Total
Finance receivables, net	$	33,503	$	6,379	$	39,882	$	27,617	$	5,858	$	33,475
Leased vehicles, net	$	39,631	$	94	$	39,725	$	34,284	$	58	$	34,342
Total assets^(a)	$	83,018	$	20,493	$	103,511	$	68,656	$	19,109	$	87,765

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(a) International Segment includes assets held for sale of $11.7 billion and $11.0 billion at June 30, 2017 and December 31, 2016.