
	Three Months Ended June 30, 2025
	North America		International		Total
Revenue from reportable segments	$	3,852	$	391	$	4,243
Reconciliation of revenue
Other revenue(a)					12
Total revenue					$	4,255
Costs and expenses(b)
Salaries and benefits	251		38
Leased vehicle depreciation	1,215		20
(Gain) loss on termination of leased vehicles	(191)		—
Provision for loan losses	314		40
Interest expense	1,462		176
GM Protection claim losses	13		—
Other segment items(c)	148		52
Equity income	—		16
Reportable segment income before income taxes	$	640	$	81	$	720
Reconciliation to income before income taxes
Other loss(d)					(17)
Income before income taxes					$	704


	Three Months Ended June 30, 2024
	North America		International		Total
Revenue from reportable segments	$	3,527	$	387	$	3,914
Reconciliation of revenue
Other revenue(a)					4
Total revenue					$	3,918
Costs and expenses(b)
Salaries and benefits	242		39
Leased vehicle depreciation	1,162		19
(Gain) loss on termination of leased vehicles	(215)		—
Provision for loan losses	150		24
Interest expense	1,315		170
GM Protection claim losses	7		—
Other segment items(c)	121		58
Equity income	—		14
Reportable segment income before income taxes	$	745	$	90	$	835
Reconciliation to income before income taxes
Other loss(d)					(13)
Income before income taxes					$	822

________________

(a)Revenue from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.

(b)The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision-maker.

(c)Other segment items for each reportable segment primarily include professional fees, supplies and equipment, occupancy costs, depreciation and amortization, and commission expense.

(d)Income/loss from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.


	Six Months Ended June 30, 2025
	North America		International		Total
Revenue from reportable segments	$	7,630	$	768	$	8,398
Reconciliation of revenue
Other revenue(a)					21
Total revenue					$	8,419
Costs and expenses(b)
Salaries and benefits	523		76
Leased vehicle depreciation	2,400		38
(Gain) loss on termination of leased vehicles	(347)		—
Provision for loan losses	606		76
Interest expense	2,887		349
GM Protection claim losses	23		—
Other segment items(c)	274		101
Equity income	—		28
Reportable segment income before income taxes	$	1,265	$	156	$	1,421
Reconciliation to income before income taxes
Other loss(d)					(32)
Income before income taxes					$	1,389


	Six Months Ended June 30, 2024
	North America		International		Total
Revenue from reportable segments	$	6,942	$	781	$	7,723
Reconciliation of revenue
Other revenue(a)					6
Total revenue					$	7,729
Costs and expenses(b)
Salaries and benefits	497		76
Leased vehicle depreciation	2,387		38
Gain on termination of leased vehicles	(417)		—
Provision for loan losses	321		57
Interest expense	2,544		337
GM Protection claim losses	12		—
Other segment items(c)	218		114
Equity income	—		45
Reportable segment income before income taxes	$	1,380	$	204	$	1,584
Reconciliation to income before income taxes
Other loss(d)					(25)
Income before income taxes					$	1,559

(a)Revenue from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.

(b)The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision-maker.

(c)Other segment items for each reportable segment primarily include professional fees, supplies and equipment, occupancy costs, depreciation and amortization, and commission expense.

(d)Income/loss from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.


	June 30, 2025						December 31, 2024
	North America		International		Total		North America		International		Total
Finance receivables, net	$	84,779	$	7,060	$	91,840	$	87,084	$	6,426	$	93,510
Leased vehicles, net	$	32,760	$	436	$	33,196	$	31,236	$	350	$	31,586
Assets from reportable segments	$	134,386	$	10,029	$	144,414	$	131,643	$	9,254	$	140,897
Other assets(a)					162		.				134
Total assets					$	144,576	.				$	141,030

(a)Assets from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.