Quarterly Financial Results

U.S. Origination Metrics And Credit Loss Drivers + Disciplined and consistent underwriting practices + Portfolio quality evidenced by FICO scores and consistent risk mix + Retail Net Charge-Offs and LTR Ratio higher YoY and sequentially, reflecting higher repossessions Retail & Lease FICO and Higher Risk Mix (%) Higher Risk Portfolio Mix (%) Retail Repossessions (000) and Repossession Rate (%) Repossession Rate (%) 751 748 749 748 748 7 743 739 5% 5% 5% 4% 4% 6% 6% Q1 Q1 2020 Q1 Q4 2021 2022 2022 2022 2022 Q2 Q3 Q1 2023 Retail Contract Terms Retail 84 months Placement Mix (%) Ford 5 4 4 4 3 3 1.24% 0.92% 0.74% 0.76% 0.83% 0.69% 0.78% Q1 2020 Q1 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 60+ Day Delinquencies* 0.14% 0.16% 0.13% 0.14% 0.15% 0.17% 0.17% $73 66 mo 64 mo 65 mo 62 mo 64 mo 61 mo 62 mo 9% 9% 8% 7% 6% 4% 4% Q1 Q1 Q1 2020 2021 2022 Q2 2022 Q3 Q4 Q1 2022 2022 2023 Excluding bankruptcies Retail Net Charge-Offs (SM) and LTR Ratio (%) - LTR Ratio (%) $44 $29 $30 $21 0.62% 0.22% $10 0.08% 0.35% $6 0.05% 0.25% 0.18% Q1 2020 Q1 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Severity (000) $7.9 $11.4 $10.6 $8.1 $9.6 $10.3 $10.6 21

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