OneMain Financial Performance Overview
Even in a severe recession, we expect to
remain profitable
Ample cushion against potential losses
C&I FY191
Estimated C&I* peak net charge-offs²
Annual C&l net
charge-offs
Yield
24.1%
Base outlook
Other net revenue
2.5%
(6.0-6.5%)
Operating expense
(7.5%)
Interest expense
(5.5%)
Mild recession ('01-'02) - peak year
(7.5-8.0%)
Pre-loss profitability
~13.6%
Severe recession ('08-'09) - peak year
(9.5-10.0%)
Portfolio pre-loss profitability covers
losses even in a severe stress case+
OneMain Financial.
1. See appendix for reconciliations and disclosures required by Regulation G for Non-GAAP Financial Measures along with glossary of selected calculations. 2. Represents
the estimated peak annual C&I net charge-offs in each scenario.
+ See Cautionary Note Regarding Forward-looking Statements at the beginning of this presentation.
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