#1STELLANTIS BANQUE STELLANTIS FRANCE Investor presentation October 2023 www.banque-stellantis-france.com#2DISCLAIMER STELLANTIS BANQUE STELLANTIS FRANCE Banque Stellantis France Group (the "Company") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various places throughout this presentation and include, without limitation, statements concerning our future business development and economic performance. While these forward-looking statements represent our judgment and future expectations concerning the development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations. These factors include, but are not limited to: (1) general market, macro-economic, governmental and regulatory trends; (2) movements in local and international securities markets, currency exchange rates and interest rates; (3) competitive pressures; (4) technological developments; and (5) changes in the financial position or credit worthiness of our customers, obligors and counterparties. The risk factors that we have indicated in our past and future filings and reports, could adversely affect our business and financial performance. Other unknown or unpredictable factors could cause actual results to differ materially from those in the forward-looking statements. Forward-looking statements speak only as of the date on which they are made and are based on the knowledge, information available and views taken on the date on which they are made; such knowledge, information and views may change at any time. The Company does not undertake any obligation to update or revise any forward-looking statement, whether as a result of new information, future events or otherwise. The information contained in this presentation is subject to, and must be read in conjunction with, all other publicly available information, including, where relevant any fuller disclosure document published by the Company. Any person at any time acquiring securities must do so only on the basis of such person's own judgment as to the merits or the suitability of the securities for its purpose and only on such information as is contained in such public information having taken all such professional or other advice as it considers necessary or appropriate in the circumstances and not in reliance on the information contained in the presentation. In making this presentation available, the Company gives no advice and makes no recommendation to buy, sell or otherwise deal in shares in the Company or in any other securities or investments whatsoever. ■ Neither this presentation nor any of the information contained therein constitutes an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made in the United States except pursuant to registration under the U.S. Securities Act of 1933, as amended, or an exemption therefrom. Nothing contained in this presentation is intended to constitute an invitation or inducement to engage in investment activity for the purposes of the prohibition on financial promotion in the U.K. Financial Services and Markets Act 2000. ■ Note: Statements as to historical performance or financial accretion are not intended to mean that future performance, share price or future earnings for any period will necessarily match or exceed those of any prior year. Nothing in this presentation should be construed as a profit forecast. Investor presentation - October 2023 2#35 U- 4 EXECUTIVE SUMMARY 1 Banque Stellantis France presentation 2 Business overview 3 Financial results Financial policy & funding ESG strategy & Green Bond Investor presentation – October 2023 3#41 BANQUE STELLANTIS FRANCE PRESENTATION#5LONG-TIME EXPERTISE IN THE AUTO FINANCING INDUSTRY Banque Stellantis France within STELLANTIS Group A global car manufacturer with over two centuries of history • Auto financing industry for one century 1810 1919 CREATION OF PEUGEOT FRÈRES COMPANY CREATION OF CITROËN PEUGEOT STELLANTIS BANQUE STELLANTIS FRANCE 1919 CITROEN FIRST FINANCING PRODUCTS 1929 PEUGEOT FIRST FINANCING PRODUCTS 2015 SFS/SCF PARTNERSHIP 10Y FIRST PERIOD PSA Santander Consumer Finance GROUPE PEUGEOT 2016 PSA GROUPE OPEL 2021 STELLANTIS PSA GROUPE FCɅ FAT CHRYSLER AUTOMOBILES OPEL CAR MANUFACTURING Investor presentation - October 2023 FIAT LANCIA) Marenati DODGE Jeep RAM 2023 (April) NEW SFS/SCF PARTNERSHIP STELLANTIS Santander Consumer Finance NEW NAME: Banque Stellantis France STELLANTIS BANQUE STELLANTIS FRANCE 2023 (May) ACQUISITION OF BELGIAN AND DUTCH ENTITIES AUTO FINANCING INDUSTRY Note: SFS: Stellantis Financial Services (formerly BPF); SCF: Santander Consumer Finance 5#6STELLANTIS REORGANISATION OF STELLANTIS'S FINANCING ACTIVITIES ■ On 31 March 2022, STELLANTIS signed "new framework agreements" with its European financial partners: BANQUE STELLANTIS FRANCE Santander Consumer Finance ("SCF") to carry out, through joint ventures co-owned with STELLANTIS, the financing activities (with the exception of professional and corporate long-term leasing) in France, Italy, Spain, Belgium, Poland, the Netherlands and through a commercial agreement in Portugal, to become the exclusive partner of STELLANTIS for this segment in these countries BNP Paribas Personal Finance ("BNPP PF") - same agreement than SCF but covering Germany, Austria and UK Crédit Agricole Consumer Finance ("CACF") to develop Europe wide the B2B Operating Lease business, through a joint venture co-owned with STELLANTIS and named Leasys. On 1 April 2023, new organisation announced by STELLANTIS of financing activities and services ■ PSA Banque France becomes Banque Stellantis France financing granted to customers and dealer networks for all STELLANTIS brands in France is consolidated within the Banque Stellantis France Group, with the exception of long-term leases to professionals and companies, which come under the multi-brand operational leasing company Leasys. ■ On 30 May 2023, acquisition by Banque Stellantis France of entities operating in Belgium, Luxembourg and the Netherlands PS A BANQUE FRANCE STELLANTIS PEUGEOT + OMED STELLANTIS FIAT FINANCIAL SERVICES LANCIA FAR DODGE Jeep Maserati RAM new long-term leases provided to corporate customers Santander CONSUMER FINANCE STELLANTIS BANQUE STELLANTIS FRANCE STELLANTIS FINANCIAL SERVICES CCRÉDIT AGRICOLE CONSUMER FINANCE LEASYS Banque Stellantis France: the automotive financing activity of the former PSA Banque France Group is extended to all the brands of STELLANTIS (on retail financing and dealers financing, mainly of the FIAT and OPEL brands) excluding long-term leases for professionals and corporates. Leasys as a multi-brand operational leasing company in which STELLANTIS and CACF each hold a 50% interest, in order to become a European leader, with a fleet target of around 1 million vehicles in 2026 Acquisition of Belgian and Dutch entities in May. 6 Investor presentation - October 2023#7☐ BANQUE STELLANTIS FRANCE GROUP SINCE 2015 Overview ■ Banque Stellantis France is a Joint-venture between SFS and SCF* SFS is the historic shareholder and SCF joined in 2015 providing financial support ■ Shareholders implemented a shared governance of the JV rotating every 3 years. Since February 2015, Banque Stellantis France (formerly PSA Banque France) is 50/50 controlled by Stellantis Financial Services and Santander Consumer Finance. Within the framework of the partnership between Stellantis Financial Services and Santander Consumer Finance, Banque Stellantis France recently extended its perimeter of financing activities to Belgium, Luxembourg and the Netherlands through the 100% acquisition of Stellantis Financial Services Belux and Stellantis Financial Services Nederland. French financing activities remains carried out by CREDIPAR and CLV subsidiaries. Banque Stellantis France is a credit institution regulated under the supervision of ECB since December 2015 while continuing to send the required information to the French regulator, the Autorité de Contrôle Prudentiel et de Résolution (ACPR). STELLANTIS BANQUE STELLANTIS FRANCE Shareholding structure STELLANTIS STELLANTIS FINANCIAL SERVICES I 50% Santander CONSUMER FINANCE* I 50% STELLANTIS BANQUE STELLANTIS FRANCE 100% CREDIPAR (Compagnie Générale de Crédit aux Particuliers) 100% 100% 100% + Services Nederland Stellantis Financial Stellantis Financial Services Belux Marketing IT Insurance & Sales Legal & Tax Credit Audit Risk Operations Residual value Controlling Human Resources Network supervision Funding & ALM Collection Compliance SFS casting vote SCF casting vote *Note: SFS means Stellantis Financial Services, SCF means Santander Consumer Finance Investor presentation – October 2023 - CLV (Compagnie pour la Location de Véhicules) (*) since 2022 Board of directors of Banque Stellantis France CEO Deputy CEO CEO Rotation of positions every 3 years Deputy CEO • First rotation in October 2017 Second rotation in October 2020 7#8BANQUE STELLANTIS FRANCE GROUP ACTIVITIES Banque Stellantis France HOLDING IIII Banking activities for dealers Current accounts Overdraft facilities Treasury and property loans CREDIPAR COMPAGNIE GÉNÉRALE DE CRÉDIT AUX PARTICULIERS អ Entity employing the group workforce in France and operating in the French market LOANS WITH OR WITHOUT BALOON WITH PURCHASE LEASES OPTION LONG TERM LEASES (1) CLV COMPAGNIE POUR LA LOCATION DE VÉHICULES Legal entity used for public tenders on Citroën vehicles only DISTINGO BANK Savings accounts Term accounts ہیں ہوا Access to capital markets NEU CP - NEU MTN EMTN INSURANCES & SERVICES NEW & DEMO VEHICLES STELLANTIS BANQUE STELLANTIS FRANCE BELGIUM/LUX./NETHERLANDS Stellantis Financial Stellantis Financial Services Belux Services Nederland Stock financing NO SET-OFF RISK ON USED VEHICLES SPARE PARTS RETAIL CLIENTS Retail clients may subscribe loans or leases financings and at the same time be a client of the DISTINGO offer Both offers are provided by separate legal entities mitigating the set-off risk: Banque Stellantis France for savings CREDIPAR and CLV for financings (1) Excluding professional and corporate long-term leasing Investor presentation - October 2023 Securitisation transactions Seller - Servicer - Junior notes 8 00#9N 2| BUSINESS OVERVIEW#10FRENCH AUTOMOTIVE MARKET TREND (1/2) French automotive market H1 2023 vs. H1 2022 +13.1 % STELLANTIS +1.8% PEUGEOT +2.9% CITROËN -4.4% STELLANTIS BANQUE STELLANTIS FRANCE +19.0% 2022 -10.3% 875 755 749 621 333 339 465 373 363 305 161 166 309 224 228 185 101 97 27 22 23 21 11 14 2021 +1.9% 2019 2020 2021 2022 H1 H1 (in thousand registrations) 2022 2023 2019 2020 2021 2022 H1 H1 2022 2023 2019 2020 2021 2022 H1 H1 2022 2023 2019 2020 2021 2022 H1 H1 2022 2023 2020 -23.8% 2019 +2.3% 31.4% Market share (H1 2023) 15.4% Market share 8.9% Market share (H1 2023) (H1 2023) 1.3% Market share (H12023) Investor presentation - October 2023 10 10#11FRENCH AUTOMOTIVE MARKET TREND (2/2) STELLANTIS FIAT +1.8% 875 755 749 621 T 333 339 Jeep ALFA ROMEO STELLANTIS BANQUE STELLANTIS FRANCE Maserati DODGE Ө OPEL -2.5% -2.3% +121.8% +13.0% 109 76 76 57 31 31 13 7 11 6 4 3 T T 7 2019 2020 2021 2022 H1 H1 2022 2023 2019 2020 2021 2022 H1 H1 2019 2020 2021 2022 H1 (in thousand registrations) 2022 2023 H1 2022 2023 31.4% Market share (H12023) 2.8% Market share Investor presentation - October 2023 (H1 2023) 0.3% Market share (H12023) 5 3 2 3 1 2 T ר 2019 2020 2021 2022 H1 2022 2023 H1 0.2% Market share (H12023) 74 51 47 43 24 27 2019 2020 2021 2022 Hồ H1 2022 2023 2.5% Market share (H12023) 11#12FRENCH NEW CAR REGISTRATIONS (2022/2021) STELLANTIS BANQUE STELLANTIS FRANCE MARKET SHARE In thousands 17.9% Renault 16.3% 9.9% 7.0% Dacia 6.0% VW 112 5.9% 106 Toyota 110 4.0% 76 Ford 57 74 3.6% Mercedes 3.0%(2) FIAT 73 74 2.5% 51 Hyundai 44 2.5% 2.4% 46 Kia 46 46 2.3% BMW 48 2.3% Audi 44 46 34 1.8% Nissan VARIATION 394 -14.7% 336 363 -15.9% 305 228 -19.0% 185 126 32 +4.5% -8.1% 122 STELLANTIS +3.6% +1.4% ▪620,689 CARS (1) -9.0% (511,131 FOR PEUGEOT/CITROËN/DS) (1) -24.8% ▪33.1% MARKET SHARE +4.2% (27.2% FOR PEUGEOT/CITROËN/DS) 4,5% ■1ST FRENCH MANUFACTURER -1.3% -12.9% -6.9% -3.7% 33 1.1% ■ 2021 2022 (1) Global French car market in 2022: 1,877 thousands cars (-10.3%) (2) STELLANTIS since January 2021 -8.1% Investor presentation - October 2023 ... 12#13FRENCH NEW CAR REGISTRATIONS (H1 2023/H1 2022) MARKET SHARE In thousands 18.4% Renault 15.4% 8.9% 7.5% Dacia 6.3% VW 5.5% Toyota 3.8% Ford 2.8% Mercedes 2.8% FIAT mmmmm 25 2.4% Hyundai 24 2.5% 2277 24 2.2% Kia 23 28 2.5% BMW 22 2.3% Audi 24 21 23 2.1% Nissan 17 14 H1 2023 TH12022 1.3% 11 Investor presentation - October 2023 STELLANTIS BANQUE STELLANTIS FRANCE 199 175 166 161 97 101 81 65 68 54 60 49 VARIATION +13.4% +2.9% -4.4% +24.8% +27.8% +21.5% +6.0% STELLANTIS -6.4% -2.5% +5.2% ▪339,260 CARS +13,0% ▪31.4% MARKET SHARE 4.4% ■1ST FRENCH MANUFACTURER 25,2% 15,0% 30,3% 19.0% 13#14A WIDE RANGE OF PRODUCTS STELLANTIS BANQUE STELLANTIS FRANCE For individuals & companies of all size LOA CB DISTINGO -BANK Leases with a purchase option targeted at individuals with full optional packages. << Rent over Buy >>> clients LLD Leases with a purchase option targeted at professionals with full optional packages. Individual professionals or small SME client segment Leases without a purchase option targeted for individuals only LOANS Loans with proposed options (with or without balloons) mostly targeting individuals with a strong offer in used cars NEW CARS USED CARS Mainly NEW CARS Mainly NEW CARS NEW CARS USED CARS Personal or vehicle insurance products ■ Service contracts related to the use of the vehicle (warranty extension, maintenance, etc.) ■ On average 2 insurance contracts or services taken out per financing contract ■ Passbook savings account Investor presentation - October 2023 Drive & Connect ARGUSD'OR DE L'ASSURANCE LAURÉAT 2022 TRUST & GO L'ASSURANCE D'UN BUDGET MAÎTRISE FINANCEMENT TRUST EXTENSION DE GARANTIE &GO] ENTRETIEN ASSURANCES ASSISTANCE 24/7 drive connect TESTEZ GRATUITEMENT ET SANS ENGAGEMENT L'ASSURANCE AUTO QUI VOUS REDONNE LE POUVOIR! drives Un tarif personnalisé SPOTICAR PRENEZ LE POUVOIR SUR VOTRE ASSURANCE PSA Tous les avantages de PSA Assurance et une souscript CONTACTEZ VITE LE 0970 269 309 POUR OBTENS VOTE DES ET PRO DE VOX MODE TESTI 14#15DEALER NETWORK STELLANTIS Partnership with the brands of STELLANTIS Dedicated financial services partner to all brands of Group Broad range of products to cover end-user customers and dealers needs INVESTOR (OPÉRATEUR) ONE UNIQUE DEALER OR A GROUP OF DEALERS WITH THE SAME FINAL OWNER DEALER (CONCESSIONNAIRE) DEALER (CONCESSIONNAIRE) A COMPANY WHO CONTRACTS WITH A BRAND TO SELL VEHICLES STELLANTIS STELLANTIS, AGENT COMPANY SELLING NEW VEHICLES ONLY ON BEHALF OF AN AUTHORIZED DEALER (MAY ALSO SELL USED VEHICLES) STELLANTIS STOCK FINANCING BANKING ACTIVITY OTHERS Stellantis branches or subsidiaries & Agents 20% Others 42% BANQUE STELLANTIS FRANCE NEW & USED CARS, SPARE PARTS CURRENT ACCOUNT, OVERDRAFT FACILITY DEMO CARS, WORKING CAPITAL, TREASURY LOANS, PROPERTY LOANS ос Independent dealers 80% New retailer model: from dealer to agent 2021 Dealer network resiliation 09.2023 04.2024 2027 Opel 7% First agents in Belgium and the Netherlands LCV + premium (DS, Alfa Romeo) All Stellantis brands Investor presentation - October 2023 Citroën 27% DS Jeep Alfa Romeo 0.7% 0.4% Top 20 Dealership owners 58% Peugeot 51% 15#16NEW FINANCING AND OUTSTANDING LOANS STELLANTIS BANQUE STELLANTIS FRANCE Positive trend for end-user customers & corporate dealers loan books 2.9% increase in the number of vehicles financed in H1 2023 (vs H1 2022) ■ +35.6% growth in the loan books in H1 2023 due higher stock finance (+36.8% vs 2022) and higher average amount per vehicle financed ■ Loan books breakdown end-users (68%) / dealer network (32%) Financed vehicles (in thousands) Loan books (€M) 327 320 289 290 280 87 90 264 82 77 82 81 18,988 477 Netherlands 797 Belgium, Luxembourg 15,602 13,524 13,895 13,969 13,997 France 11,813 10,214 12,866 142 11,128 138 Netherlands: <1 Belgium, 9,202 10,012 10,578 233 237 41 45 Luxembourg: <1 7,023 8,136 10,854 France 207 202 208 Netherlands: <1 183 349 484 Belgium, Netherlands Belgium, Luxembourg Luxembourg: 4 97 90 France - France 3,191 3,677 4,322 3,883 3,391 4,474 6,121 3,143 2017 2018 2019 2020 2021 New vehicles 2022 H12022 H1 2023 Used vehicles 2017 2018 2019 2020 2021 Dealer network End users 2022 H1 2022 H1 2023 Investor presentation - October 2023 16#17BUSINESS TRENDS (1/2) Increase of leasing in end-user financing Higher average financed amount Thanks to enhancement of the mix and a move upmarket in vehicles 2015 19% 2017 11% 19% 21% 2019 2021 8% 5% 21% 20% 39% 37% 26% 36% 31% 32% 0 37% 38% New financing volumes (€M) 4,659 4,710 4,616 4,219 4,350 3,680 2017 2018 2019 2020 23% 38% 2022 3% 36% STELLANTIS BANQUE STELLANTIS FRANCE H12023 * Loan 3% Used vehicles 25% Long-term lease 34% O Lease with a purchase option 38% Average financed amount (€) * H1 2023-H1 2022 +14.0% 17,493 17,782 17,132 16,248 + 3.8% H1 2023-H1 2022 15,549 14,230 13,409 12,732 2,690 2,359 2021 2022 H12022 H1 2023 2017 2018 2019 2020 2021 2022 H1 2022 H1 2023 17 * France data only Investor presentation – October 2023 -#18BUSINESS TRENDS (2/2) Financing penetration rate 35.7% 29.1% France 32.7% 33.8% 28.5% 29.2% 28.3% 29.2% 28.8% 27.5% 19.3% O Belgium Luxembourg STELLANTIS BANQUE STELLANTIS FRANCE Commercial policy Diversified insurance and service offerings with a high added value Decrease by 8.2 points in the financing penetration rate in H1 2023 An average of two insurance or service contracts sold to each customer 7.8% Netherlands O Insurances . 2015 2016 2017 2018 2019 2020 2021 2022 H1 2023 New car penetration Insurance and services (in thousands) Additional assistance X 2.30 2.27 2.24 2.18 2.13 2.05 2.02 1.92 1.95 1.97 Warranty Extension Life and disability insurance GAP insurance • Covers the subscriber and its family Assistance in case of accident Incurred costs (evacuation/hotel costs, etc.) • Specific warranty extension are proposed: • For new cars by the brands • For used cars by CREDIPAR • Package or separately Performed in dealer networks of the brands 698 698 628 636 658 579 586 508 268 279 Maintenance • 2015 2016 2017 2018 2019 2020 2021 Insurance & services volumes Investor presentation - October 2023 2022 H1 2022 H1 2023 Number per new contract 18#193 | FINANCIAL RESULTS#20INCOME STATEMENT OVERVIEW Net banking income (€M) STELLANTIS BANQUE STELLANTIS FRANCE Operating expenses (€M) 643 603 H1 2023-H1 2022 156 159 163 166 157 H1 2023-H1 2022 565 147 529 492 +2.8% +11.6% 451 96 325 334 86 2017 2018 2019 2020 2021 2022 H1 2022 H1 2023 2017 2018 2019 2020 2021 2022 H12022 H1 2023 Cost of risk (EM) 58 Covid-19 exceptional post-model adjustment 15 24 43 37 39 32 23 14 17 Profit After Tax (€M) 344 346 H1 2023-H1 2022 254 243 218 167 185 +4.3% 193 2017 2018 2019 2020 2021 2022 H12022 H1 2023 -4 2017 2018 2019 2020 2021 2022 H12022 H1 2023 NDD provision release Investor presentation - October 2023 20#21BALANCE SHEET OVERVIEW STELLANTIS BANQUE STELLANTIS FRANCE Strong capitalization and solid asset quality +44.2% increase in financing from credit institutions (€200M of new banking lines and SCF funding up from 16% in 2022 to 28%) ■ +15.9% increase in debt securities in H1 2023 (first green bond and increase of NEU CP programme size) ■ +36.1% increase in subordinated debt (Tier 2) Equity and Liabilities (€M) 21,357 1,090 17,584 Netherlands -Belgium Luxembourg Var. 2023-2022 15,362 15,674 15,734 France 6,086 +44.2% 5,509 13,153 3,738 3,945 4,937 11,390 +4.1% 10,206 9,930 3,764 3,512 2,877 3,356 3,372 3,804 3,214 4,638 2,518 +15.9% 4,773 2,154 5,822 5,971 5,022 5,438 1,826 4,684 4,574 1,370 3,334 155 211 +36,1% 1,542 1,967 155 582 695 755 155 1,178 155 1,119 1,556 1,392 1,684 +20.9% 1,083 1,080 1,176 1,305 1,443 1,565 1,784 2,134 2,183 +21.5% 2015 2016 2017 2018 2019 2020 2021 2022 H1 2023 Equity Others liabilities ■Subordinated loans Debt securities ■From customers From credit institutions Investor presentation - October 2023 21 24#22RISK POLICY & COST OF RISK Low cost of risk in line with Santander policy STELLANTIS BANQUE STELLANTIS FRANCE 89% 94% 85% 107% 98% 91% 80% 79% 68% 0.77 0.44 0.34 0.31 0.24 0.18 0.13 0.17 0.20 10 32 29 29 18 200 12 48 37 11 7 20 23 13 16 19 -2 -9 2015 2016 2017 Retail Cost of Risk 2018 2019 WHS Cost of Risk 2020 -% ANR 2021 2022 H1 2023 NPL Coverage(1) Corporate risk Risk policy Risk oversight Retail risk Credit risk model ■ Fleet with an outstanding > 500€k ■ Brands Network (dealers, agents) Transversal, consolidated and global vision of the Banque Stellantis France's risks (credit, operational, counterparty) Credit risk model for end-users (individuals and companies with an outstanding < 500€k) (1) NPL Coverage: coverage rate of non-performing loans by provisions. H1 2023: €195M (NPL 1.1%); 2022: €190M (NPL 1.4%); 2021: €204M (NPL 1.5%); 2020: 201ЄM (NPL 1.6%); 2019: 226M€ (NPL 1.9%); 2018: 199€M (NPL 1.9%); 2017: 260€M (NPL 2.8%); 2016: 209€M (NPL 2.5%); 2015: 251€M (NPL 3.1%). Investor presentation - October 2023 22 22#23CAPITAL PLAN & LIQUIDITY MANAGEMENT STELLANTIS BANQUE STELLANTIS FRANCE Adequate Capital Ratio and Leverage Ratio Significant Risk Transfer Transactions (SRT) in 2019 and 2022 with a €392m RWA decrease at the end of June 2023 Dividend paid in May 2023 for €144 million Strong Capital Ratio Adequate Leverage Ratio TCR 13.3% 12.6% 14.8% 13.8% 13.8% 13.7% 14.9% 14.8% 13.9% Leverage 9.0% 8.4% 8.4% 8.1% 7.6% 7.7% 8.4% 8.7% 8.6% CET1 13.3% 12.6% 12.8% 12.1% 12.3% 12.2% 13.4% 13.5% 12.5% 15,056 1,088 90 11,991 9,859 10,068 10,123 9,158 7,829 6,652 7,022 22,071 18,620 15,935 15,819 16,062 13,582 11,880 9,840 10,530 210 155 155 155 155 155 155 886 884 1,004 1,106 1,209 1,224 1,355 1,623 1,637 13,878 886 ୮ T 2015 2016 2017 2018 2019 2020 2021 2022 H1 2023 ■RWA Credit Risk 2015 884 1,004 1,106 2016 2017 2018 1,209 2019 2020 1,224 1,355 2021 1,623 1,887 2022 H12023 ■RWA Operational Risk ■Equity Exposure values Capital Tier 1 RWA Capital Tier 2 RWA Securitization Investor presentation - October 2023 23#24CONSOLIDATED FINANCIAL STATEMENTS BALANCE SHEET Assets Dec. 31, Dec. 31, 2018 2019 2021 Dec. 31, Dec. 31, Dec. 31, 2020 June 30, 2022 2023 Cash, central banks, post office banks Financial assets 329 453 487 818 848 855 2 1 78 283 291 Loans and advances to credit institutions 668 979 964 628 622 702 Customer loans and receivables 11,813 13,524 13,895 13,969 15,602 18,988 Tax assets 3 10 12 43 36 Other assets 329 378 307 212 171 421 Property and equipment 9 18 17 17 15 15 Intangible assets Total assets 329 378 307 212 171 421 13,153 15,362 15,674 15,734 17,584 21,357 Liabilities Financial liabilities Deposits from credit institutions Amounts due to customers Debt securities Tax liabilities Other liabilities Subordinated loans Equity Total equity and liabilities STELLANTIS BANQUE STELLANTIS FRANCE Solid balance sheet structure Adequate capitalisation Solid asset quality Financial support provided by SCF Strong net income generation Resilient profitability over the years Increasing net interest margin ■Favourable funding enhancing profitability Dec.31, Dec. 31, Dec. 31, Dec. 31, Dec. 31, June 30, Dec. 31, Dec. 31, Dec. 31, Dec 31, Dec. 31, June 30, INCOME STATEMENT (ЄM) 2018 2019 2020 2021 2022 2023 2018 2019 2020 2021 2022 2023 3 2 1 4 0 Net banking income 492 529 565 603 643 334 3,764 3,738 4,937 3,945 5,509 7,945 General operating expenses (156) (159) (157) (163) (166) (96) 2,518 2,877 3,214 3,356 3,372 3,512 Cost of risk (14) (37) (58) (24) (23) (17) 4,574 5,971 4,684 5,438 5,022 5,822 Operating income 322 333 350 416 454 221 340 377 457 472 582 673 Other non-operating income (1) (4) 0 42 494 799 661 584 806 1,011 Pre-tax income 321 333 346 417 451 263 155 155 155 155 155 211 Income taxes (103) (79) (103) (73) (105) (70) 13,153 15,362 1,305 1,443 1,565 15,674 1,784 15,734 17,584 2,134 2,183 21,357 Net income 218 254 243 344 346 193 Investor presentation - October 2023 24#254| FINANCIAL POLICY & FUNDING#26GROUP FUNDING Diversification of funding sources STELLANTIS BANQUE STELLANTIS FRANCE Since the joint-venture creation in 2015, Banque Stellantis France has progressively replaced its intracompany funding source. The funding diversification is achieved through the increase in retail deposits (DISTINGO), new securitization transactions and access to ECB refinancing (TLTRO participation), access to capital markets since mid 2016 (NEU CP, NEU MTN, EMTN). 2015 2017 2019 Intra-group refinancing by SCF : €3739M; 49% 7.7€bn FUNDING Intra-group refinancing by SCF : €2351M; 25% 9.4€bn FUNDING Intra-group refinancing by SCF : €1890M; 15% 12.7€bn FUNDING 2021 Intra-group refinancing by SCF : €985M; 8% 12.9€bn FUNDING Intra-group refinancing by SCF : €2308M; 16% 2022 14.0€bn FUNDING Capital Markets: €3814M; 22% Banking credit lines: €932M; 5% H12023 17.5€bn Subordinated Loans: FUNDING €211M; 1% Intra-group refinancing by SCF : €4798M; 28% Retail customer deposits: €3189M; 18% Securitization (1): €2009M; 11% Other refinancing of which ECB (2): €2537M; 15% (1) Securitisation includes all of the securitisations placed on the market Senior Unsecured >20% 2024-2026 Subordinated Loans Intra-group refinancing by SCF >[0%-20%] Other refinancing Retail customer deposits >30% Securisation >20% (2) Of which refinancing through the ECB (participation TLTRO for 600€M in 2015; 2016: 950€M; 2017: 1,000ЄM; 2018: 770.8€M; 2019: 1,300€M; 2020: 2,250€M; 2021 & 2022: 2,825€M; H1 2023: 2,175€M) Investor presentation - October 2023 26#27INVESTMENT GRADE RATING Solid rating in the investment grade category with an improving track record over the years Moody's: last upgrade on 05/29/19 to A3 (stable outlook) ■ S&P: upgrade on 12/28/18 to BBB+ with outlook revised to stable in June 2021 Key highlights and rating of parent support According to rating agencies, PSA rating reflects the bank's (i) sound asset quality; (ii) adequate capitalisation; and (iii) good profitability. STELLANTIS Santander CONSUMER FINANCE MOODY'S A3 Baa1 Baa2 Rating evolution STELLANTIS BANQUE STELLANTIS FRANCE S&P Global A- BBB+ BBB 2015 2016 2017 2018 2019 2020 2021 2022 2023 Moody's S&P Global Banque Stellantis France Rating MOODY'S S&P Global MOODY'S MOODY'S S&P Global INVESTORS SERVICE INVESTORS SERVICE INVESTORS SERVICE P2 Baa2 LONG TERM BBB LONG TERM A2 LONG TERM A LONG TERM SHORT TERM A3 POSITIVE OUTLOOK UPDATED ON 05/31/23 STABLE OUTLOOK UPDATED ON 03/18/22 STABLE OUTLOOK UPDATED ON 04/17/18 STABLE OUTLOOK UPDATED ON 03/23/22 LONG TERM STABLE OUTLOOK UPDATE ON 05/09/19 S&P Global A-2 SHORT TERM BBB+ LONG TERM STABLE OUTLOOK UPDATED ON 06/24/21 Investor presentation - October 2023 27 22#28ACCESS TO CAPITAL MARKETS SINCE 2016 STELLANTIS BANQUE STELLANTIS FRANCE Debt issuance programmes ☐ BSTLAF <CORP> Bloomberg pages ■ To support diversification of funding sources NEU CP NEU MTN EMTN BOND ISSUED 06/03/16 BANQUE DE FRANCE UPDATE ON 05/23 06/03/16 BANQUE DE FRANCE UPDATE ON 05/23 06/29/16 First AMF VISA 07/10/23 PROG. RENEWAL FRENCH LAW 2016 500€M-3-YEAR 500€M 5-YEAR 06/13/19 EURONEXT PARIS LISTING NO GUARANTEE 2017 500€M-5-YEAR 01/12/21 500€M-4-YEAR 3.0€bn MAXIMUM 1.0€bn MAXIMUM 4.0 €bn MAXIMUM CROSS-DEFAULT 100€K DENOMINATION A2/P2 SHORT TERM BBB+/A3 LONG TERM BBB+/A3 LONG TERM NEGATIVE PLEDGE Investor presentation - October 2023 2018 500€M-5-YEAR Green Bond 01/12/23 500€M-3-YEAR 2019 500€M 3 YEAR 07/13/23 500€M 3.5-YEAR 28#29SECURITIZATION A privileged tool as part of the funding strategy ■ Solid expertise: over more than 10 years ■ Maximised participation in TLTRO-III, first redemption in June 2023 for €650m ECB funding collateralized: 2.83€bn ECB additional drawing allowance: 0.14€bn FUNDING AND ADDITIONAL ECB ALLOWANCES ECB additional drawing allowance: 0.8€bn 5.2€bn FUNDING Placed Securitizations 2.2€bn 2022 WAREHOUSE STRUCTURES Auto ABS DFP Master - Compartment France 2013 Auto ABS French Loans Master Auto ABS French Leases Master - Compartment 2016 Auto ABS French LT Leases Master STANDALONE TRANSACTIONS Auto ABS French Leases 2021 |Wholesale Loan Lease | Lease |Lease Auto ABS French Leases 2023 (in October 2023) Lease ECB funding collateralized: 2.2€bn (1) ECB/TLTRO operations collateralized by retained senior issuances (2) Since April 2018, WHS receivables are used as collateral through TRICP channel increasing drawing allowance with ECB Investor presentation - October 2023 STELLANTIS BANQUE STELLANTIS FRANCE 5.0€bn FUNDING Placed securitizations: 2.0€bn H1 2023 29 29#30RETAIL DEPOSITS ACTIVITY Deposits as a stable source of diversification ☐ Activity in France transferred from SFS to Banque Stellantis France in April 2015 Saving products offered 100% online ■ Launch in Germany in June 2023 DISTINGO BANK Breakdown of deposits 403 0 2,786 STELLANTIS BANQUE STELLANTIS FRANCE ■Savings account Term deposits PASSBOOK SAVINGS ACCOUNT AND FIXED-TERM DEPOSITS +5.0% OF ACCOUNTS IN H1 2023 18% OF FINANCING 89,273 ACCOUNTS IN H1 2023 (vs. 85,062 IN 2022) SOURCES IN H1 2023 Investor presentation - October 2023 Part of funding mix +4.2% Other funding sources ■Retail customer deposits IN DEPOSITS IN H1 2023 1,112 1,570 1,897 2,251 2,585 2,828 2,956 3,059 3,189 3.2€bn OUTSTANDING IN DEPOSITS IN H1 2023 6,572 6,860 7,396 8,605 10,000 10,008 9,783 10,844 14,089 2015 2016 2017 2018 2019 2020 2021 2022 H12023 30#31Liquidity Management LIQUIDITY MANAGEMENT AND RESERVE Matching of maturities between assets and liabilities ☐ Almost 70% of the financing at the end of June 2023 had an original maturity of 12 months or more. Liquidity reserve 4.00 3.50 3.00 822 2.50 2.00 139 835 817 125 1.50 726 1.00 0.50 785 810 810 340 420 450 300 (0.50) (1.00) 2017 2018 2019 2020 2021 2022 H1 2023 Banque de France Deposit (HQLA) (1) ECB collateral available NSFR >100% LCR >100% (1) Since April 2018, WHS receivables are used as collateral through TRICP channel increasing drawing allowance with ECB Investor presentation - October 2023 dec.-16 mars-17 déc.-16 -17 juin-17 sept.- déc.-17 mars-18 juin-18 sept.-18 déc.-18 mars-19 juin-19 sept.-19 déc-19 déc.-19 Rates evolution (%) mars-20 - ECB Deposit rate OAT-1 year juin-20 sept.-20 déc.-20 mars-21 Juin-21 sept.-21 IZ-adas déc.-21 mars-22 juin-22 sept.-22 HQLA ZERO-RISK POLICY (LEVEL 1) TRICP ADDITIONAL ECB COLLATERAL 31 déc.-22 mars-23 juin-23 STELLANTIS BANQUE STELLANTIS FRANCE#325 | ESG strategy#33ESG STRATEGY STELLANTIS BANQUE STELLANTIS FRANCE OUR RESOURCES OUR PRIORITIES CREATING SHARED VALUE The Banque Stellantis France Group business model is based on its close relationships with the brands of STELLANTIS driven by the ambition to facilitate access to mobility solutions for the greatest number of customers thanks to innovative financing and service solutions. ESG STRATEGY: currently structured around 5 categories of identified non-financial risks, challenges and opportunities Customer satisfaction and protection: responsible lending & customer loyalty with new innovative and digital processes, moratoria measures with Covid-19 Business ethics governance: code of ethics, code of conduct and anti-corruption, whistleblowing program, anti-money laundering anti-terrorist financing, protection of personal data Societal innovations: active participation to STELLANTIS mobility offer with Free2Move, financing of fleets of socially and environmentally responsible projects Environmental challenges: supporting the energy transition and the fight against the climate change : financing of greener vehicles and digital transformation Responsible employer: by promoting employees commitment, motivation and skills through adequate trainings, and encouraging equality/diversity Investor presentation - October 2023 HUMAN FINANCIAL PARTNERSHIPS Over 700,000 customers +800 employees H Loans and financing to customers with outstandings of €15.6 billion * of which €4.6 billion * in new financing granted in 2022 €11.6 billion* in external funding of which €3.1 billion* COMMITMENT TOWARDS OUR CUSTOMERS WITH OFFERS TAILORED TO THEIR REQUIREMENTS COMMITMENT OF OUR EMPLOYEES Financial partner of all STELLANTIS brands networks with ambition in terms of electric mobility (all models in plug-in hybrid version or 100% electric from 2025) Partnership with Santander Consumer Finance since 2015 Santander Consumer Finance PROFITABLE LONG-TERM GROWTH DIGITAL TRANSFORMATION CLIENTS End-user penetration 35.7% Satisfied dealers 87% EMPLOYEES Committed employees 66% Workplace equality index 94% Women in management 44% Employee training 19.7h FINANCIAL STRENGTH (*) CET1 ratio 13.5% Leverage ratio 8.7% Moderate cost of risk 0.17% Long-term credit ratings : Moody's: A3 S&P: BBB+ ENVIRONMENT Urban mobility offer FREE2 MOVE LEASE Financing of greener vehicles Percentage of electric vehicle financing granted to individuals 86% First Green Bond issue in January 2023 Paperless exchanges in retail customer deposits €2.1 billion in equity * 2022 data SUPPORTING THE ENERGY TRANSITION 33#34RISKS RISKS RISKS ESG RISK MANAGEMENT RISK CATEGORIES/CHALLENGES CUSTOMER SATISFACTION AND PROTECTION • Customer dissatisfaction/negative perception, particularly in financially vulnerable situations •Insufficient protection of customer data and IT system failures, including cybercrime BUSINESS ETHICS AND GOVERNANCE OBJECTIVES/OPPORTUNITIES POVERTY 16 PEACE JUSTICE AND STRONG INSTITUTIONS • Monitor customer satisfaction • Providing a responsible product offering (responsible lending, in particular) • Protecting customer data POLICIES AND PROGRAMMES • Customer satisfaction survey • Personal online space with request forms ⚫ Vulnerable customer scoring and support system • Personal data protection procedure/cybersecurity management programme • Generic DPO email account available to customers to exercise their rights • GDPR compliance monitoring and control system • GDPR training/cybersecurity awareness of employees Non-compliance with business ethics including bribery, money laundering or tax evasion Inappropriate conduct of staff, e.g. due to non-compliance with the code of conduct SOCIETAL INNOVATIONS FOR A RESPONSIBLE FUTURE Unsustainable growth • Unsustainable cities in France RISKS OBJECTIVES/OPPORTUNITIES AFFORDABLE AND CLEAN ENERGY O RISK CATEGORIES/CHALLENGES ENVIRONMENTAL CHALLENGES •Climate change •Inappropriate use of natural resources and weak waste management • Failure to support the ecological transition 12 RESPONSIBLE • Managing CONSUMPTI AND PRODUCTION CUMATE 13 ACTION 300 HEALTH AND WELL-BEING W the environmental footprint • Supporting the energy transition • Digital transformation • Employee commitment EQUALITY • Equality, diversity and quality of life 16 PEACE, JUSTICE • Promoting AND STRONG INSTITUTIONS a code of conduct and ethics among all employees • Promoting • Code of Ethics •The anti-money laundering/financing of terrorism policy (AML-FT procedure, KYC, alert management) Code of Conduct covering acts of bribery • System for collecting reports (whistleblowing) FREE2 MOVE urban mobility offers • Supporting socially-responsible projects •Free2Move Lease (F2ML) LEASE • Mobility Pass associated with financing agreement New long-term lease "Access to electric" offer for an affordable driving experience • Fleet financing for companies operating in socially-responsible activities RISKS RESPONSIBLE EMPLOYER • Weak human resources management Non-compliance with labour regulations and rules, personal health and safety standards or weak working conditions • Discriminatory practices and human rights violations • Weak management of careers, skills, non-anticipation of changes in business lines or lack of personnel GENDER USTRY DON AND INFRASTRUCTURE • Unaccompanied customers, A particularly in the transformation of their more sustainable and social business model DECENT WORK AND ECONOMIC GROMTH 10 RECE INEQUALITIES 16 PEACE, JUSTICE AND STRONG INSTITUTIONS in the workplace • Actions undertaken to promote human rights • Social dialogue • Personal development and employability • Protecting employee health in the context of the Covid-19 pandemic DACIA II F СТРІI ANITIC POLICIES AND PROGRAMMES • Financing of greener vehicles (electric/hybrid) with a first green bond issue in January 2023 • Innovative products: • New long-term lease "Access to electric" offer for an affordable driving experience "Connected Insurance" solution • Reducing paper consumption through the digitisation of exchanges (electronic signature of financing agreements and opening a Distingo savings account 100% online, personal online space with request forms) • Declaration of information on the financing of eligible activities within the meaning of Article 8 of the European Taxonomy • Annual employee survey on their commitment and adherence to values FRANCE • Recruitment guide (non-discrimination when hiring and diversity) • Company agreements signed, including in particular: • agreement on professional equality, diversity, quality of life in the workplace and the right to disconnect • agreement on the forward-looking management of jobs and skills Training programmes • Digital skills assessment tool with personal development plan (PDP) Mobility charter • Development of teleworking • generalisation in the context of the Covid-19 pandemic • teleworking charter in 2021 offering employees the possibility of teleworking up to three days per week • training to adapt to remote working A STRONG GOVERNANCE STRUCTURE To define its strategy and roll out its CSR policy, the Banque Stellantis France Group relies on its governance structure. All its action are managed using policies and programmes, as well as indicators with associated targets, relating to the objectives defined for each of the key challenges. ESG commitments are present at all levels of the Banque Stellantis France Group's governance, from the employees of the executive committees and the operational staff to the control functions and through to the Board of Directors. SUPPORTING CUSTOMER SATISFACTION AND PROTECTION Responsible product offering (responsible lending) Measures taken to promote customer health and safety The products and services designed and distributed by the Banque Stellantis France are subject to monitoring and evaluation through various systems, including audits (internal, periodic, ISO 9001 quality certification) or activity-specific indicators and through customer claims analysis. In application of the Charter on banking inclusion and prevention of over-indebtedness (*), Banque Stellantis France has a process of identifying at an early stage its individual customers who are financially vulnerable at risk, support and guide them, and find internal solutions to prevent their financial situation from worsening. adopted by the Association Française des Établissements de Crédit et des Companies d'Investissement (AFECEI). Investor presentation - October 2023 . AND PREVENTION OF ENVIRONMENTAL RISKS When making its decisions, the Banque Stellantis France Group integrates the environmental and sustainable aspects of its projects to the greatest extent possible. In addition to financing greener vehicles, the prevention of environmental risks is at the heart of the technological innovations developed: " " connected services for proactive management of fleet long-term lease agreements to encourage drivers to drive responsibly, resulting in reduced consumption and fewer polluting emissions. with connected insurance solution available across all brands ranges enables individuals to benefit from lower premiums thanks to driving responsibly. digitalisation projects with a view to achieving paperless communication with customers and dealer networks, with a paperless approach (electronic signature for financing agreements, 100% online subscription to Distingo, customer web space). 34 STELLANTIS#35STELLANTIS 90% 80% 70% INAUGURAL GREEN BOND IN JANUARY 2023 In 2021, STELLANTIS disclosed the intensification EV2021 of electrification with clear paths, investments and STELLANTIS % LEV offering BEV 48% 50% 40% 40% 30% 15% 14% 31% 53% programmes and its ambition in low-emission vehicle SAY (LEV) with passenger car battery electric vehicles 100% 96% 78% (Source: 2022 CSR Report of STELLANTIS) (BEV) sales mix to reach 100% in Europe by 2030. The Banque Stellantis France Group supports the electrification of Stellantis vehicle range by designing and marketing specific financing and service offers to customers and training its employees to electrification technologies. In line with this sustainability objective of advancing low-carbon emission mobility, the Banque Stellantis France Group has established a Green Financing Framework under which the bank intends to issue dedicated financing instruments to finance and/or refinance loans and lease for electric vehicles. Green Financing Framework Second-Party Opinion Reviewed by MORNINGSTAR SUSTAINALYTICS for Green Financing Instruments (GFI) Alignment with Green Bond Principles / Green Issuer Rating Status Issue Type Use of Proceeds Currency Tenor Size Format/Denomination/ Listing Governing Law BANQUE STELLANTIS FRANCE A3 Stable (Moody's) / BBB+ Stable (S&P) Senior Preferred Notes, unsubordinated and unsecured, ranking pari passu Green Bond issued in accordance with the Green Financing Framework An amount equivalent to the net proceeds of the Green Bond allocated to finance and/or refinance new or existing loans and lease for passenger and light commercial vehicles with zero specific CO₂ emissions as well as for zero tailpipe CO₂ emission quadricycles EUR 3-year 500 000 000 Fixed Coupon / 100K/Euronext Paris French Law Loan Principles GREEN FINANCING FRAMEWORK 1. Use of Proceeds: clean transportation PSA BANQUE FRANCE DECEMBER 2022 1. Process for Asset Evaluation and Selection: Eligible Asset identification, evaluation and selection: electric vehicles, - as battery electric vehicles (BEV) and fuel cell electric vehicles (hydrogen-powered vehicles), with charging point units, if any (ancillary infrastructure) 3. Management of Proceeds: on a portfolio basis, allocation on a best-efforts basis within the following 36 months after launch of GFI, no lookback period 4. Reporting: allocation and impact report on an annual basis until full allocation Investor presentation - October 2023 Documentation https://www.banque-stellantis-france.com/en/financial- information/financial-documentation Green Bonds section Green Bond Framework SPO by Sustainalytics EMTN 2022 Base Prospectus + 1st Supplement 35#36THANK YOU STELLANTIS BANQUE STELLANTIS FRANCE