Ford Investor Conference

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 sequentially, reflecting seasonality; higher YoY due to higher severity and increased repossessions 738 6% * Q3 2020 67 mo 4% Q3 2020 Retail & Lease FICO and Higher Risk Mix (%) Higher Risk Portfolio Mix (%) 751 5% 62 mo 743 5% 3% I 164 mo Excluding bankruptcies 748 9% Q3 2021 2022 4% Q3 Q3 Q4 2021 2022 2022 2023 2023 Retail Contract Terms Retail 284 Months Placement Mix (%) 751 65 mo 4% 9% 757 4% Q1 Q2 Q3 2023 8% 62 mo 62 mo 757 9% 4% 63 mo 8% Q4 Q Q3 2022 2023 2023 2023 5 1.04% Q3 2020 0.13% $39 0.30% Q3 2020 $9.8 Retail Repossessions (000) and Repossession Rate (%) Repossession Rate (%) 3 I 0.71% Q3 2021 0.11% $0 0.00% Q3 2021 $8.3 4 I 0.78% 3 $21 0.18% Q3 Q4 Q1 2022 2022 2023 60+ Day Delinquencies* 0.15% 0.17% Retail Net Charge-Offs (SM) and LTR Ratio (%) LTR Ratio (%) $9.6 4 0.76% 0.83% 0.75% $30 0.25% 0.17% $44 0.35% Q3 Q4 2022 2022 Severity (000) $10.3 $10.6 4 Q1 2023 Q2 Q3 2023 2023 0.15% 0.19% $27 0.21% 4 Q2 2023 0.89% $10.9 Ford $50 0.38% Q3 2023 $12.7 23

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