Fourth Quarter Investor Presentation
Auto - Proven Track Record of Strategic Growth
Optimize through the Cycle Know when to pull and press on production to maximize returns
Indirect Auto Production ($B) and New Origination Yield
$1.9
$1.7
$1.6
$1.6
$1.6
$1.6
$1.5
$1.4
$1.4 $1.4
$1.4 $1.4
$1.3
$1.2
$1.2
$1.9
$1.8 $1.8
$1.8
$1.7
7.1%
6.9%
6.3%
$1.4
5.9% $1.5
$1.4
$1.2
$1.1
4.2%
4.2%
3.9%
4.6% 4.6%
4.7% 4.6%
3.8% 4.8%
3.7% 3.7% 3.7%
3.6%
3.5%
3.5%
3.3% 3.2% 3.1%
3.0%
3.0%
2.8%
3Q 4Q 1Q
2Q 3Q 4Q 1Q
2Q
3Q
4Q
1Q 2Q 3Q
4Q 1Q
2Q 3Q 4Q
1Q
2Q
3Q 4Q 1Q
2Q
3Q
2017
2018
2019
Onset of 2020
2021
2022
2023
Pandemic
Optimized for profitability/yield
Optimized for production growth
New Origination Yield
Scale and Expertise to Continuously Drive Shareholder Value
2023 Fourth Quarter Investor Presentation | 46
HuntingtonView entire presentation