OneMain Financial Performance Overview
Disciplined framework for lending decisions
Policy
FY2019
Objective
Target Risk Appetite
C&I net charge-
offs1
6-7%
6.0%
C&I return on
receivables1
Consistent Returns
Loan level hurdle¹
Stability through a
cycle
>4.5% 5.4%
>20% ROTCE
Portfolio profitability,
even under severe
stress³
Strong Liquidity
Minimum liquidity
>24
36
MONTHS
MONTHS2
OneMain Financial.
Business continuity,
even in the event of
capital markets
dislocation
1. See Q4 2019 earnings presentation for reconciliations and disclosures required by Regulation G for Non-GAAP Financial Measures along with glossary of select calculations. 2. As of
December 31, 2019, includes covering all future debt maturities and business expenses with no access to capital markets, no renewals of conduits, and receivables held flat to December
31, 2019. 3. Defined as comparable to the 2008-2009 recession.
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