OneMain Financial Performance Overview slide image

OneMain Financial Performance Overview

Funding and liquidity strengthened since merger Interest expense & debt mix 1,3 12/31/2015 12/31/2019 ■Unsecured ■Secured Asset-Backed Securities $17.6 ABS Transactions 10 26 Top ABS Rating A+ AAA $15.4 $15.5 Direct Auto Program No Yes $14.3 Class A Spreads 183bps 85bps $7.7 Unsecured Debt¹ $7.5 $8.7 Maturities (next 2 yrs) $2.3 $1.7 $8.3 • Average Coupon 6.8% 6.7% • Average Duration 3.8 years 4.6 years Liquidity • Conduit Lines $5.2 $7.1 • Drawn Conduits $2.6 $0.0 Unencumbered Receivables $2.0 $9.9 $9.9 $8.0 $6.1 $6.7 Capital² 2016 2017 2018 2019 Adj. Tangible Equity $1.0 $2.7 Secured Net Tangible Leverage 16.8x 5.8x TCE / TMA 5.1% 13.0% Debt Mix 58% 57% 48% 44% Interest Expense %2,4 5.5% 5.5% 5.5% 5.5% 1. Reflects principal maturities. 2. See Q4 2019,2018, 2017, 2016 & 2015 earnings presentations for reconciliations and disclosures required by Regulation G for Non-GAAP Financial Measures along with glossary of select calculations. 3. May not sum due to rounding. 4. C&I interest expense / C&I average net receivables. OneMain Financial. ($ in billions unless otherwise noted) 32 32
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