Investor Presentaiton

INVESTMENT 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

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