2018 FY

INVESTOR

PRESENTATION

2

By opening this presentation and/or attending the meeting where this presentation is made, you agree to be bound by the following limitations and restrictions.

This presentation is solely for use at a meeting where this presentation is to be held. It is for information purposes only and does not constitute or form part of, and should not be construed as, any offer for sale or subscriptionof, or solicitation of any offer to buy or subscribe for, any securities of FCA Bank S.p.A. or any of its subsidiaries (together, “FCA Bank”), nor should this presentation or any part of it form the basis of, or be relied on inconnection with, any contract or commitment whatsoever. If any offer for any such securities is made, it will be done so pursuant to separate and distinct documentation in the form of a prospectus or offering circular and suchother documentation as may be required for the purposes of such an offer and any decision to purchase or subscribe for any securities pursuant to such offer should be made solely on the basis of such prospectus, offeringcircular or other documentation and not this presentation. This presentation may be amended and supplemented, but may not be relied upon for the purposes of entering into any transaction. This presentation is strictlyconfidential, is being distributed to a limited range of persons solely for their own information and may not (i) be distributed to the media or disclosed to any other person in any jurisdiction, nor (ii) be reproduced in any form, inwhole or in part, without the prior written consent of FCA Bank. This presentation does not constitute a recommendation regarding any securities of FCA Bank.

The information in this presentation is confidential and this document is being made available to selected recipients only and solely for the information of such recipients. This document may not be reproduced, redistributedor passed on to any other persons, in whole or in part. This presentation is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to locallaw or regulation.

The information set out in this presentation may be subject to updating, revision, verification and amendment and such information may change materially. In giving this presentation, none of FCA Bank nor any of its affiliates,subsidiaries, shareholders, representatives, agents, employees or advisors, undertakes any obligation to amend, correct or update this presentation or to provide the recipient with access to any additional information thatmay arise in connection with it. FCA Bank is under no obligation to update or keep current the information contained in this document and any opinion expressed herein is subject to change without notice. None of FCA BankS.p.A. nor any of its affiliates, subsidiaries, shareholders, representatives, agents, employees or advisors shall have any liability whatsoever (in negligence or otherwise) for any loss whatsoever arising from any use of thisdocument or its contents, or otherwise arising in connection with this presentation. No representation, warranty or undertaking, express or implied, is made or given by or on behalf of FCA Bank or any of its affiliates,subsidiaries, shareholders, representatives, agents, employees or advisors, as to, and no reliance should be placed on, the fairness, accuracy, completeness, fairness or correctness of the information or the opinionscontained herein or any other material discussed at the presentation and no responsibility or liability is assumed by any such persons for any such information or opinions or for any errors or omissions

This document is an advertisement and does not constitute a prospectus for the purposes of Article 2003/71/EC (as amended) (the “Prospectus Directive”).

In any member state of the European Economic Area, this presentation is directed only at “qualified investors” within the meaning of Article 2(1)(e) of the Prospectus Directive (Directive 2003/71/EC as amended, including byDirective 2010/73/EU).

This presentation and the information contained herein are not an offer of securities for sale in the United States and are not for publication or distribution to persons in the United States, its territories or possessions or to anyU.S. person (within the meaning of Regulation S under the United States Securities Act of 1933, as amended (the “Securities Act”)) or in any other jurisdiction where it is unlawful to do so. Any failure to comply with thisrestriction may constitute a violation of U.S. securities laws. This presentation is not an offer of securities for sale in the United States.

This presentation is being communicated in the United Kingdom only to persons who have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000(Financial Promotion) Order 2005 (the “Order”) and to persons to whom it may otherwise be lawful to communicate it to (all such persons being referred to as relevant persons). This presentation is only directed at relevantpersons and any investment or investment activity to which the presentation relates is only available to relevant persons or will be engaged in only with relevant persons. Other persons should not rely or act upon thispresentation or any of its contents.

This document is for distribution in Italy only to "qualified investors" (investitori qualificati), as defined pursuant to Article 100, paragraph 1(a), of Legislative Decree no. 58 of 24 February 1998, as amended and restated fromtime to time (the “Financial Services Act”), and as defined in Article 34-ter, paragraph 1(b) of CONSOB Regulation no. 11971 of 14 May 1999, as amended and restated from time to time (the CONSOB Regulation), or in othercircumstances provided under Article 100 of the Financial Services Act and Article 34-ter, CONSOB Regulation, where exemptions from the requirement to publish a prospectus pursuant to Article 94 of the Financial ServicesAct are provided.

These materials may contain projections and forward-looking statements. Forward looking statements, projections, objectives, estimates and forecasts are generally identifiable by the use of the words “may,” “will,” “should,”“plan,” “expect,” “anticipate,” “estimate,” “believe,” “intend,” “project,” “goal” or “target” or the negative of these words or other variations on these words or comparable terminology. Forward-looking statements involve knownand unknown risks, uncertainties and other factors which may cause FCA Bank's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed orimplied by such forward-looking statements. These forward-looking statements include, but are not limited to, all statements other than statements of historical facts, including, without limitation, those regarding FCA Bank’sfuture financial position and results of operations, strategy, plans, objectives, goals and targets and future developments in the markets where FCA Bank participates or is seeking to participate. All statements, other thanstatements of historical facts, contained herein regarding FCA’s strategy, goals, plans, future financial position, projected revenues and costs or prospects are forward-looking statements. Forward-looking statements aresubject to inherent risks and uncertainties, some of which cannot be predicted or quantified. Any such forward-looking statements will be based on numerous assumptions regarding FCA Bank's present and future businessstrategies and the environment in which FCA Bank will operate in the future. Further, any forward-looking statements will be based upon assumptions of future events which may not prove to be accurate and future events oractual results could differ materially from those set forth in, contemplated by or underlying forward-looking statements. Any such forward-looking statements in these materials will speak only as at the date of these materialsand FCA Bank assumes no obligation to update or provide any additional information in relation to such forward-looking statements. By attending the meeting where this presentation is made or by accepting a copy of thispresentation, you agree to be bound by the foregoing and to maintain confidentiality regarding the information disclosed in this presentation.

Disclaimer

3

FCA Bank is one of the largest specialized auto finance and lease companies operating in Europe,

diversified across products, geographies and brands

50 / 50 Joint Venture between Fiat Chrysler Automobiles and Crédit Agricole

Long-Term Partnership signed in December 2006 and extended until December 2022, at least

A unique business model, focusing on the automotive industry and combining the commercial

effectiveness of an industrial partner, with the risk discipline and financial strength of a universal

banking group

FCA Bank is regulated as a bank by the Bank of Italy under the Italian Banking Act

Board Composition: 10 members, 2 independent, 4 appointed by each shareholder

FCA Bank: a JV between FCA and Crédit Agricole

Business deployed in 3 Business lines, 18 Brands, 18 Countries

Significant brand diversification, compared to the other Automotive Captive European

peers, offering services and open market solutions to:

FCA Brands

Maserati

Ferrari

Jaguar and Land Rover

4

About

Erwin Hymer Group

Aston Martin

Morgan Motor Company

Harley Davidson and MV Agusta

FCA BANK RATINGS

Baa1 Long-term (Stable Outlook) / P-2 Short-term / Baa1 Deposits Long-term

BBB Long-term (Negative Outlook) / A-2 Short-term

BBB+ Long-term (Stable Outlook) / F2 Short-term

5

Private customers

Channel: Dealership

Outstanding 2018 (EoP): € 15.8Bn

59% of outstanding assets

OEM Dealer Networks

Outstanding 2018 (EoP): € 8.2Bn

31% of outstanding assets

Private/Corporate customers

Channel: Dealership/Direct

Outstanding 2018 (EoP): € 2.8Bn

10% of outstanding assets

Dealer Financing

Retail Financing

Rental

Total Outstanding 2018 (EoP): 26.8 €/Bn

3 Business lines

18 Brands

27 Legal entities and 9 branches

More than 2,200 Employees

18 Countries

FCA Bank Group – Business OverviewMulti-Brand and Multi-Business

Outstanding commercial performance continuing in 2018, with a managed portfolio of €26.8Bn (end of period) compared to € 23.9Bn at the end of December 2017, a furtherincrease of about € 2.9Bn, or 12% YoY

Net Banking Income increasing by 13% versus December 2017

Cost of risk slightly decreasing at 18 bps, a new record-low level

Net Profit increasing at € 388Mn (versus € 383Mn at December 2017)

Solid liquidity position with decreasing cost of funding

CET 1 set at 12.45% (Consolidated perimeter), on the back of a Total Capital equal to €3.07Bn; Total Capital Ratio set at 14.02%

6

FCA Bank Group – 2018 Highlights

10.8 10.3 9.5 9.8 10.0 11.013.0 14.4 15.8

3.7 4.13.7 3.9 4.0

4.8

6.07.3

8.2

1.6 1.51.3 1.3 1.3

1.4

1.7

2.2

2.8

16.1 15.914.5 15.0 15.3

17.2

20.7

23.9

26.8

2010 2011 2012 2013 2014 2015 2016 2017 2018

Retail Dealer Financing Rental

7

Outstanding by Business Line End of Period

(€/Bn)

FCA Brands currently accounting for ~ 80%

of FCA Bank average total portfolioItaly48%Germany

17%

France8%

UK8%

Spain5%

Other14%

2018

8

Performance Indicators

Note:

i) Managed Portfolio figures are net of credit risk funds

Basel III Banking Group (effective 2015)

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Average Managed Outstanding

(€/Bn) 14.6 15.5 15.5 16.4 15.8 14.9 14.6 14.7 16.1 18.5 21.8 24.4

Net Banking Income / Average

Managed Outstanding (%)3.5% 3.5% 3.7% 3.7% 3.9% 4.1% 4.0% 3.8% 4.2% 4.0% 3.9% 3.9%

Net Profit

(€/Mn)119 137 105 147 153 167 172 182 249 312 383 388

CET 1

(%)7.2% 8.2% 8.0% 8.8% 9.2% 10.6% 11.0% 11.7% 11.2% 11.3% 12.0% 12.5%

9

Key Financial IndicatorsNet Banking Income (€/M) & Percentage on Avg. Outstanding

Pre-Tax Income (€/M) & Percentage on Average Outstanding

Cost / Income Ratio (%)

Cost of Risk (€/M) & Ratio (%) on Average Outstanding

517 536 576 596 609 608 587 566667

732 841

954

3.5% 3.5%3.7% 3.7%

3.9%4.1% 4.0%

3.8%4.1% 4.0% 3.9% 3.9%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

0

200

400

600

800

1,000

1,200

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Net Banking Income NBI / Average Outstanding

46.5%

42.8%40.6% 40.0% 38.8% 38.6% 39.4% 39.9%

35.3%33.5%

31.4%29.0%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

87

117

145 145 144

116109

8370

5543 440.59%

0.76%0.93% 0.89% 0.91%

0.78% 0.75%0.57%

0.44%0.30%

0.20% 0.18%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

0

20

40

60

80

100

120

140

160

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Provisions (€/M) Cost of Risk (%)

190 189 184213 229 257 248 257

359417

521 5481,3% 1,2% 1,2% 1,3% 1,4%1,7% 1,7% 1,7%

2,2% 2.3% 2.4% 2.2%

-0.5%

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

0

100

200

300

400

500

600

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Pre-Tax Income Pre-Tax Income / Average Outstanding

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Outstanding

EOP 14.9 15.2 16.1 16.1 15.9 14.5 15.0 15.3 17.2 20.7 23.9 26.8

(€/Bn)

10

Capitalization Consolidated Perimeter

FCA Bank subsidiaries not needing additional capital

FCA Bank regulated legal entities above Minimum Capital Requirement "MCR“

Total Capital Ratio including Tier 2 – Subordinated Loans

119 137 105147 153 167 172 182

249312

383 388

7.2%8.2% 8.0%

8.8% 9.2%

10.6% 11.0%11.7%

11.2% 11.3%

13.7% 14.0%

7.2%8.2% 8.0%

8.8% 9.2%

10.6% 11.0%11.7%

11.2% 11.3%

12.0%12.5%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

JVA perimeter / Basel II Rules Basel III

CET 1

Net Profit (€/M)

Total Capital

Ratio

11

Credit QualityDecember 31st, 2017 December 31st, 2018

(€/M)Gross

Exposure

Allowance for

loan and lease

losses

Net

Exposure

Gross

Exposure

Allowance for

loan and lease

losses

Net

Exposure

Non-performing loans 307.8 (138.5) 169.3 287.8 (146.2) 141.6

Performing loans 21,213.1 (128.6) 21,084.5 23,574.1 (127.7) 23,446.4

Total 21,520.9 (267.1) 21,253.8 23,861.9 (273.9) 23,588.0

December 31st, 2017 December 31st, 2018

(€/M)Gross

Exposure

weight

Net Exposure

weight

Coverage

ratio

Gross

Exposure

weight

Net Exposure

weight

Coverage

ratio

Non-performing loans 1.43% 0.80% 45.00% 1.21% 0.60% 50.80%

Performing loans 98.57% 99.20% 0.61% 98.79% 99.40% 0.54%

Total 100.00% 100.00% 1.24% 100.00% 100.00% 1.15%

12

Residual Value Risk

(€/M) December 31st, 2017 December 31st, 2018

Consumer loans and leases:

- Residual Risk assumed by FCA Bank 924 912

of which UK market 803 700

Provision for residual value 48 41

Provision / Risk 5.19% 4.50%

(€/M) December 31st, 2017 December 31st, 2018

Long-Term Rental:

- Residual Risk assumed by Leasys 894 1,230

Provision for residual value 38 34

Provision / Risk 4.25% 2.76%

4.3 3.5 3.0 3.5 3.8 3.3 4.1 3.8 3.1 3.5 4.4 5.7

1.0 1.8

1.8 1.2 4.8

3.9 3.5 3.2 3.1 3.0

2.4 2.7 4.1

3.8

4.8

6.2 0.2

0.5

0.9

5.2 6.4 8.4 8.0 7.1

5.2 5.1 4.1

2.7 2.8

2.7

3.0

0.1

0.5 0.5 0.5

1.5 2.3

3.1

5.1

7.5

8.9

8.7

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Bonds

CPs

CA Group

Deposits

Banks

ECB

Securitizations16.0

13.713.913.0

14.514.714.914.314.9

23.1(€/Bn)

19.5

25.9

13

Funding Sources Evolution

22%

24%

5%11%4%

33%

1%

2018

14

Italian Antitrust Authority – AGCM

On 15 May 2017, the Italian Anti-Trust Authority (Autorità Garante della Concorrenza e del Mercato - AGCM) announced the launch of an inquiry into nine car financing

operators, or “captives”, which represent the industry in almost its entirety, and two trade associations Assofin “Associazione Italiana del Credito al Consumo e Immobiliare” and

Assilea “Associazione Italiana Leasing” to ascertain if there was any violation of the TFEU (Article 101 of the Treaty on the Functioning of the European Union – Anti-competitive

agreements) in the automotive financing industry. FCA Bank S.p.A. (“Company”) was one of the nine operators covered by the inquiry, which was intended to investigate alleged

exchanges of information.

AGCM communicated that the procedure, which was scheduled to end on 31 July 2018, was extended until 31 December 2018.

The Decision was served to the company on 9th January 2019 indicating that the AGCM found the company, together with the other captives, had been exchanging commercially

sensitive information via direct contacts, as well as through the local industry associations Assofin and Assilea, with a view – according to the AGCM – to coordinating their

commercial strategies with respect to car loans and leasing offerings, in breach of the TFEU.

The AGCM imposed a total sanction of euro 678 million to the involved parties, and specifically fined the Company euro 178.9 million.

Whilst respecting the work of the AGCM, the Company believes that the charges raised in the decision against FCAB are inaccurate. In this respect the Company considers that

the grounds of appeal are relevant and worth pursuing. Therefore, the Company will challenge the decision before the competent administrative Courts along with a request for

an order from the Court to suspend the payment of the fine.

However, the Company has recognized a provision, amounting to euro 60 million, to cover the related risks.

This provision did not have a material impact on any of the prudential ratios of the banking Group (both on consolidated and on a standalone basis). For the sake of clarification,

had a provision for the maximum amount of the fine been set aside, the consolidated and the standalone prudential ratios would still have been above the regulatory

requirements.

On 4th April 2019 the Regional Administrative Court of Rome (Lazio), considering the need to pursue the complex case in details (including the magnitude of the sanction), ruled

in favor of the suspension of the payment and set the date of the court hearing concerning the trial on the merits. Court hearing is scheduled on 26th February 2020. Pursuant to

the ruling, FCA Bank will provide AGCM with a bank guarantee for an amount equal to the sanction, which will be retained by AGCM until the decision on the merits becomes

enforceable.

15

CONTACTS

Riccardo Mesturino Group Treasurer riccardo.mesturino@fcagroup.com

Giovanni Gili Debt Capital Markets & IR giovanni.gili@fcagroup.com

Ticker: FCABNK

www.fcabankgroup.com

FCA Bank SpA

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