Investor Presentaiton
3Q 2023 Preliminary Results
Auto Finance: Agile Market Leader
#1
#1
#1
#1
Prime Auto
Lender(1)
Bank Floorplan
Lender(2)
Bank Retail Auto
Loan Outstandings (3)
Dealer Satisfaction
J.D. Power Award (4)
Consumer Applications and Approval Rate
Auto Balance Sheet Trends
($ billions; EoP, HFI only)
Leading
Insurance Provider
(F&I, P&C Products)
3.5M
3.3M
3.1M
2.9M
3.7M
Consumer
Applications
$94.7
$10.6
Total
$94.3
$94.2
$94.7
$95.3 Consumer Auto
$10.4
_$
$10.2
$9.9
$9.6
Lease
$84.1
$83.9
$84.0
$84.7
$85.7
Retail
36%
33%
31%
30%
29%
Approval Rate
$16.2
$18.8
$19.3
$20.7
$21.1
Commercial
Auto
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
Consumer Originations
($ billions; % of $ originations)
3Q 22
Consumer Origination Mix
(% of $ originations)
4Q 22
1Q 23 2Q 23
3Q 23
Retail
701
704 Weighted Avg.
697
FICO
691
688
9%
8%
8%
8%
7%
Lease
28%
32%
28%
29%
28%
New
$12.3
$10.4
$10.6
$9.2
$9.5
56%
56%
58%
Growth
53%
56%
64%
60%
64%
64%
66%
Used
22%
22%
22%
22%
20%
Stellantis
Nonprime %
10%
22%
25%
22%
22%
22%
GM
7%
10%
9%
9%
of
Total Retail
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
See page 39 for footnotes.
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