Segment Reporting and Geographic Information

12 Months Ended

Dec. 31, 2018

Segment Reporting and Geographic Information

Our chief operating decision maker evaluates the operating results and performance of our business based on our North America and International segments. The management of each segment is responsible for executing our strategies. As discussed in Note 1, our European Operations are presented as discontinued operations and are excluded from our segment results for 2017 and 2016. These operations were previously included in our International Segment. Key operating data for our operating segments were as follows:



	Year Ended December 31, 2018
	North America		International		Total
Total revenue	$	12,771	$	1,245	$	14,016
Operating expenses	1,125		397		1,522
Leased vehicle expenses	6,879		38		6,917
Provision for loan losses	490		152		642
Interest expense	2,735		490		3,225
Equity income	—		183		183
Income from continuing operations before income taxes	$	1,542	$	351	$	1,893



	Year Ended December 31, 2017
	North America		International		Total
Total revenue	$	10,999	$	1,152	$	12,151
Operating expenses	1,050		340		1,390
Leased vehicle expenses	6,391		24		6,415
Provision for loan losses	623		134		757
Interest expense	2,032		534		2,566
Equity income	—		173		173
Income from continuing operations before income taxes	$	903	$	293	$	1,196



	Year Ended December 31, 2016
	North America		International		Total
Total revenue	$	7,948	$	1,035	$	8,983
Operating expenses	891		359		1,250
Leased vehicle expenses	4,499		7		4,506
Provision for loan losses	566		78		644
Interest expense	1,481		491		1,972
Equity income	—		151		151
Income from continuing operations before income taxes	$	511	$	251	$	762



	December 31, 2018						December 31, 2017
	North America		International		Total		North America		International		Total
Finance receivables, net	$	45,711	$	6,801	$	52,512	$	35,436	$	6,736	$	42,172
Leased vehicles, net	$	43,396	$	163	$	43,559	$	42,753	$	129	$	42,882
Total assets	$	100,176	$	9,744	$	109,920	$	87,618	$	9,397	$	97,015

The following table summarizes information concerning principal geographic areas:



	At and For the Years Ended December 31,
	2018				2017				2016
	Revenue		Long-Lived Assets^(a)		Revenue		Long-Lived Assets^(a)		Revenue		Long-Lived Assets^(a)
U.S.	$	12,158	$	41,320	$	10,424	$	40,674	$	7,440	$	32,506
Non-U.S.^(b)	1,858		2,490		1,727		2,467		1,543		2,050
Total consolidated	$	14,016	$	43,810	$	12,151	$	43,141	$	8,983	$	34,556

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(a)	Long-lived assets includes $43.6 billion, $42.9 billion and $34.3 billion of vehicles on operating leases at December 31, 2018, 2017 and 2016.


(b)	No individual country represents more than 10% of our total revenue or long-lived assets.