02/15/2016 12015 FINANCIAL RESULTS

DESIGNINGOUR FUTURE

02/15/2016 22015 FINANCIAL RESULTS

Outlook

2016

Results

2015

02/15/2016 32015 FINANCIAL RESULTS

AGENDA

4 QUESTIONS / ANSWERS

3 2016 OUTLOOK

2 2015 RESULTS

1 CONTEXT

2015 FINANCIAL RESULTS 402/15/2016

1CONTEXT

02/15/2016 52015 FINANCIAL RESULTS

1 │ CONTEXT

HISTORICALLY LOW INTEREST RATES

Buba Discount Rate up to Dec. 1998 ECB Deposit Facility RateFederal Funds Target Rate - Lower BoundSource: Bloomberg

1990 - 1994 1995 - 1999 2000 - 2004 2005 - 2009 2010 - 2014

-2

0

2

4

6

8

10

2.50

0.25

- 0.30

Central Bank Rates(%)

02/15/2016 62015 FINANCIAL RESULTS

1 │ CONTEXT

HISTORICALLY LOW OIL PRICE

Oil Price(In constant dollars)

Source: Bloomberg

0

20

40

60

80

100

120

140

2009 2010 2011 2012 2013 2014 2015

35.78

2016

02/15/2016 72015 FINANCIAL RESULTS

1 │ CONTEXT

ERMERGING COUNTRIES VOLATILITY

5 years CDS evolution(100 Basis vs USD)

0

100

200

300

400

500

600

700

2010 2011 2012 2013 2014 2015 2016

Turkey ChinaIndiaRussiaBrazil

478

348

290

134

169

Source: Bloomberg

2015 FINANCIAL RESULTS 802/15/2016

22015 RESULTS

2015 FINANCIAL RESULTS 902/15/2016

22015 RESULTSCOMMERCIAL RESULTS

02/15/2016 102015 FINANCIAL RESULTS

2 │ 2015 RESULTS

CONTRASTED CAR MARKET EVOLUTIONS

(1) Volumes of Alliance registrations, including India in 2015.(2) Variations of PC+LCV TIV on RCI perimeter, excluding India.(3) Variations of Alliance registrations on RCI perimeter, excluding India.

EUROPE 2,113 (1)

AMERICAS 322 (1) AMI 136 (1)

ASIA - PACIFIC 89 (1)

EURASIE 456 (1)

RCI PERIMETER ALLIANCE VOLUMES 3,116 (1)

2015 VS 2014 Variations

TIV (2) Registrations (3)

RCI PERIMETER - 0.1 % + 2.0 %

EUROPE + 9.5 % + 11.4 %

EURASIA - 19.5 % - 16.7 %

AMI + 8.1 % + 11.5 %

AMERICAS - 22.0 % - 18.3 %

ASIA-PACIFIC + 10.5 % + 1.8 %

02/15/2016 112015 FINANCIAL RESULTS

2 │ 2015 RESULTS

HIGH PENETRATION RATE ON ALL BRANDS

Penetration Rate excluding E.A.C(%)

Penetration Rate: number of new vehicles financing contracts / number of new vehicles registrations

E.A.C (Equity method Accounted Companies) Turkey, Russia, India.

36.837.6

38.0

41.3

30

40

50

2012 2013 2014 2015

29.1

33.6 33.0

35.8

20

30

40

50

2012 2013 2014 2015

Penetration Rate excluding E.A.C(%)

02/15/2016 122015 FINANCIAL RESULTS

2 │ 2015 RESULTS

RISE OF ALL BRANDS PENETRATION RATE

Penetration Rate(%)

35.0

34.635.2

37.1

36.7 36.9

40.0

30

32

34

36

38

40

42

2012 2013 2014 2015

RCI Banque RCI Banque excl. E.A.C (Equity method Accounted Companies)

02/15/2016 132015 FINANCIAL RESULTS

2 │ 2015 RESULTS

STRONG INCREASE OF NEW VEHICLE FINANCING CONTRACTS

923

993

1,073

1,183

600

800

1 000

1 200

2012 2013 2014 2015

+ 10.3 %

* Including volumes of non-consolidated countries.

N.V Financing Contracts*(In thousand units)

1,200

1,000

800

600

02/15/2016 142015 FINANCIAL RESULTS

180

190 197

233

150

200

250

2012 2013 2014 2015

+ 18.3 %

2 │ 2015 RESULTS

USED CAR FINANCING CONTRACTS GROWTH

Used Car Financing Contracts(In thousand units)

02/15/2016 152015 FINANCIAL RESULTS

10.811.4

12.6

15.6

0

4

8

12

16

2012 2013 2014 2015

2 │ 2015 RESULTS

NEW RECORD LEVEL OF PRODUCTION

New Financings(In billion euros)

+ 23.9 %

02/15/2016 162015 FINANCIAL RESULTS

40%

60 %

1,311

1,756

2,168

2,851

0

500

1 000

1 500

2 000

2 500

3 000

2012 2013 2014 2015

2 │ 2015 RESULTS

SPEED UP ON SERVICES CONFIRMED

Services Contracts(In thousand units)

+ 31.5 %

Mix of Services (In % of total Services)

Loan Insurance

Car related Insuranceand services

2015

3,000

2,500

2,000

1,500

1,000

500

0

02/15/2016 172015 FINANCIAL RESULTS

2 │ 2015 RESULTS

DEPOSITS COLLECTED AMOUNT REACHES 32 % OF NET OUTSTANDINGS

2012

At end

2013

At end

2014

At end

2015

At end

Countries 1 2 3 4

Number of customers 22,500 134,000 193,000 266,000

Deposits collected amount (in billion euros) 0.8 4.3 6.5 10.2

% of net outstandings 3 % 17 % 23 % 32 %

02/15/2016 182015 FINANCIAL RESULTS

2 │ 2015 RESULTS

SAVINGS BUSINESS UP AND RUNNING IN 4 COUNTRIES

Deposits collected amount

at end of DecemberNumber of customers

FRANCE 1,307 50,400

GERMANY 7,048 173,800

AUSTRIA 605 14,000

UK 1,271 27,600

RCI Group 10,231 265,800

2015 FINANCIAL RESULTS 1902/15/2016

22015 RESULTSFINANCIAL RESULTS

02/15/2016 202015 FINANCIAL RESULTS

18.1 17.718.7

21.4

6.1 6.5 6.7 6.9

24.224.2

25.4

28.2

5

10

15

20

25

30

2012 2013 2014 2015

2 │ 2015 RESULTS

GROWTH OF AVERAGE PERFORMING OUTSTANDING

+ 11.1 %

Wholesale Outstanding Total OutstandingRetail Outstanding

(In billion euros)

02/15/2016 212015 FINANCIAL RESULTS

1,238 1,2211,259 *

1,362

5.12 % 5.04 % 4.95 % *4.82 %

800

1 000

1 200

1 400

2012 2013 2014 2015

2 │ 2015 RESULTS

NET BANKING INCOME REMAINING AT A HIGH LEVEL

Net Banking Income (in % of A.P.O)

Net Banking Income(In million euros)

* Figures excluding Non Recurring Items.

N.B.I 2014 at 1,204 million euros and at 4.74 % of A.P.O including Non Recurring Items.

+ 8.1 %

1,400

1,200

1,00

800

02/15/2016 222015 FINANCIAL RESULTS

91

102109

93

0.38 %0.42 % 0.43 %

0.33 %

0

20

40

60

80

100

120

2012 2013 2014 2015

2 │ 2015 RESULTS

COMMERCIAL GROWTH DRIVEN BY COST OF RISK UNDER CONTROL

Cost of Risk(In million euros)

Cost of Risk (in % of A.P.O)

02/15/2016 232015 FINANCIAL RESULTS

383 382402 *

429

30.9 % 31.3 % 31.9 % * 31.5 %

0

100

200

300

400

500

2012 2013 2014 2015

2 │ 2015 RESULTS

PROFITABILITY DRIVEN BY OPERATING COSTS UNDER CONTROL

Operating Costs(In million euros)

Cost Income Ratio (%)* Figures excluding Non Recurring Items.

2014 Operating Costs at 422 millions euros and Cost Income Ratio at 35.1 % including Non Recurring Items.

02/15/2016 242015 FINANCIAL RESULTS

2 │ 2015 RESULTS

HIGH LEVEL OF PROFITABILITY

Profit Before Tax (P.B.T)(In million euros)

773744 745 *

844

3.20 %3.07 %

2.93 % * 2.99 %

0,02100

300

500

700

900

2012 2013 2014 2015

P.B.T (in % of A.P.O)* Figures excluding Non Recurring Items.

2014 Profit Before Tax at 668 millions euros and at 2.63 % of A.P.O including Non Recurring Items.

02/15/2016 252015 FINANCIAL RESULTS

2 │ 2015 RESULTS

R.O.E REACHING TARGET

Net Result(In million euros)

490469

476 *

539

22.2 %

20.1 %

18.5 % * 18.7 %

0

200

400

600

2012 2013 2014 2015

R.O.E* Figures excluding Non Recurring Items. Net Result at 417 millions euros and R.O.E 2014 at 16.4 % including Non Recurring Items.

02/15/2016 262015 FINANCIAL RESULTS

2 │ 2015 RESULTS

STRONG GROWTH IN 2015 CONFIRMS THE AMBITION OF RCI BANQUE STRATEGIC PLAN

NEW FINANCINGS

NET OUTSTANDINGS

BN

40 % 2.9 M 10.2 €

15.6 €

31.2 €BN

BN

PENETRATION RATE

(EXCLUDING EAC)NEW SERVICE

CONTRACTS

NET SAVINGS

DEPOSIT AMOUNT

COLLECTED

2015 FINANCIAL RESULTS 2702/15/2016

3OUTLOOK 2016

02/15/2016 282015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

02/15/2016 292015 FINANCIAL RESULTS

DIGITALINNOVATIONIS CHANGINGOUR LIFESTYLES

02/15/2016 302015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

NEW PLAYERS APPEAR ON THE MARKET

TRADIONNAL BUSINESS GO 100 % DIGITAL

02/15/2016 312015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

DIGITAL DISRUPTION IS CHALLENGING AUTOMOTIVE INDUSTRY

A CONNECTED

OBJECT

AITONOMOUS

VEHICLES

02/15/2016 322015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

NEW BUSINESS OPPORTUNITIES TO TAP

02/15/2016 332015 FINANCIAL RESULTS

WEINNOVATE

02/15/2016 342015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

OUR SCOPE IS EXPANDING FROM CAR FINANCING TO SERVICES

CARS FINANCE SERVICES

02/15/2016 352015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

OUR FOCUS IS MOVING FROM CARS TO CUSTOMERS

EASY

MOBILITY

EXPERIENCE

CUSTOMER

KNOWLEDGE

INNOVATION

& DIGITAL

02/15/2016 362015 FINANCIAL RESULTS

3 │ 2016 OUTLOOK

OUR PURPOSE

Challenge our performance,

focusing on the Alliance’s customers needs,

delivering top-quality innovative services.

2015 FINANCIAL RESULTS 3702/15/2016

4QUESTIONS / ANSWERS

THANK YOU