Consolidated Statements of Income - USD ($) $ in Millions	3 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Financing revenues:
Operating lease	$ 1,615	$ 1,900
Retail	1,104	845
Dealer	185	86
Total financing revenues	2,904	2,831
Depreciation on operating leases	1,157	1,409
Interest expense	899	563
Net financing revenues	848	859
Voluntary protection contract revenues and insurance earned premiums	271	259
Investment and other income (loss), net	162	(306)
Net financing revenues and other revenues	1,281	812
Expenses:
Provision for credit losses	165	78
Operating and administrative	448	406
Voluntary protection contract expenses and insurance losses	146	107
Total expenses	759	591
Income before income taxes	522	221
Provision for income taxes	54	51
Net income	$ 468	$ 170