RCI BANQUE...Evolution vs. first-half 2019: First-half 2020 Alliance sales (in k units): 1,116...

1FIRST-HALF 2020 RESULTSINVESTORS PRESENTATION OCTOBER 02, 2020

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RCI BANQUE

Jean-Marc SAUGIER, VP Finance & Deputy Chief Executive Officer

Yann PASSERON, Head of ALM, Savings & Banking Relations

CACIB AUTO CREDIT DAY 2020


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This presentation is not, and is not intended to be, an offer to sell any security or the solicitation of an offer to purchase any security.

The following presentation has been prepared to provide information about RCI Banque; Information have been obtained from sourcesbelieved to be reliable. None warrant its completeness or accuracy.

This presentation may contain forward-looking statements, in particular statements regarding our plans, strategies, prospects andexpectations regarding our business. You should be aware that these statements and any other forward-looking statements, in thispresentation, only reflect our expectation and are not guarantees of performance near and in the future.

These statements involve risks, uncertainties and assumptions about events or conditions and is indented only to illustrate hypotheticalresults under those assumptions. Actual events or conditions are unlikely to be consistent with, and may differ materially from, thoseassumed. In addition not all relevant events or conditions may have been considered in developing such assumptions. Accordingly, actualresults will vary and the variations may be material. Prospective investors should understand such assumption and evaluate whether theyare appropriate for their purposes.

The information contained herein does not constitute an offer for sale in the United States. The securities described herein have not, and willnot, be registered under the U.S. Securities Act of 1933 or with any securities regulatory authority of any state or other jurisdiction in theUnited States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or anexemption from the registration requirements is available.

DISCLAIMER


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AGENDA

4 APPENDICES

3 FINANCIAL POLICY AND FUNDING

2 OPERATING HIGHLIGHTS

1 RCI BANQUE OVERVIEW


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RCI BANQUE OVERVIEW

1


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€47,6bnEurope

(excluding

France) ; 57%

France ; 33%

Americas ; 5%

AMI & Pacific ; 4% Eurasia ; 1%(2)

● RCI Banque identity:

● Renault-Nissan Alliance brands finance company

● 100% owned by Renault SA

● Bank status since 1991

● ECB supervision since 2016

● Retail, corporates and dealers inventory financing

● 9 brands financed (1) in 36 countries

● First-half 2020 key figures:

● Equity: €5.9bn

● Net customer deposits: €18.6bn

● Penetration rate: 44.9%

● New contracts (in k units) : 659

● Commercial assets : €47.6bn of which:

RCI BANQUE OVERVIEW

IDENTITY AND FIRST-HALF 2020 KEY FIGURES

(1) Since February 2018, commercial partnership with

Mitsubishi Motors in Netherlands and Lada in Russia

(2) AMI: Africa, Middle-East, India


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● Moody’s ratings :

● Long-term : Baa2

● Outlook : Negative

● Short-term : P-2

● Strengths : « high and stable earning stream; limited credit losses; essential to its parent’s strategy; strong profitability through the credit cycle; limited refinancing risk, increasing deposit base and adequate liquidity buffer »

● Weaknesses : « lack of business diversification; large exposures to car dealers; car market cyclical by nature; reliant on wholesale funding »

● Renault : Ba2, negative outlook/ NP

● Standard and Poor’s ratings:

● Long-term : BBB

● Outlook : Negative

● Short-term : A-2

● Strengths : « strong and recurring risk-adjusted profitability; regulated bank insulated from its corporate parent; strong capitalization; striking balance between growth and profitability; low cost base and effective cost control »

● Weaknesses : « predominantly wholesale-funded; business concentration in car financing; dependence on parent’s franchise and product cycles »

● Renault : BB+, negative outlook / B

RCI BANQUE OVERVIEW

RATINGS

● Independent ratings from parent Renault S.A supported by bank status and independent funding

(3) Since February 26th 2019

(4) Since April 9th 2020

(1) Since June 3rd 2020

(2) Since May 28th 2020

(1)

(2)

(3)

(4)


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OPERATING HIGHLIGHTSNB: FIGURES RELATED TO COMMERCIAL ACTIVITY (PENETRATION RATE, NEW FINANCINGS, CONTRACTS PROCESSED) INCLUDE EQUITY METHOD CONSOLIDATED ENTITIES. BALANCE SHEET FIGURES (OUTSTANDINGS) EXCLUDE THESE ENTITIES

2


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● Evolution vs. first-half 2019: ● First-half 2020 Alliance sales (in k units): 1,116

OPERATING HIGHLIGHTS

CAR MARKET AND ALLIANCE SALES (1) ON RCI PERIMETER

Europe :

716

Americas :

129

Eurasia : 159

AMIP :

111

Market Alliance

Europe - 38.3% - 42.3%

Eurasia - 16.0% -13.3%

Americas - 39.1% - 43.2%

Africa, Middle-East, India,

Asia-Pacific (AMIP)- 23.9% - 9.6%

Total RCI perimeter - 34.0% - 37.1%

(3)

(2)

(2) Renault Group: -42.0%, Nissan Group: -43.4%

(3) of which India: -29.6%, Morocco: -43.7% and Korea: +45.0%

(1) Personal Car (PC) + Light Utility Vehicle (LUV) market and Alliance sales


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37,739,6 40,7

42,2 41,3

44,941,0

42,6 42,944,2

43,0

47,6

2016 2017 2018 2019 H1 2019 H1 2020

RCI RCI pro forma

● Financing penetration rate at 44.9% (+3.6 pts vs. H1 2019), of which:

● Renault : 45.0% (+3.3pts)

● Dacia : 48.5% (+3.5pts)

● Renault Samsung Motors : 59.5% (+1.9pts)

● Nissan-Infiniti-Datsun : 37.6% (+2.6pts)


PENETRATION RATE (1)

(2)(1) The penetration rate is calculated as the number of new vehicles financed divided by the number of vehicles

registered by the manufacturers. Given the time lags between vehicle registration and delivery, the drop in

registrations has a slight positive impact on the penetration. In %

(2) Excluding impact of Turkey, Russia and India (entities less mature and having below-average penetration rates)


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18,0

20,621,0 21,3

10,97,8

2016 2017 2018 2019 H12019

H12020

Renault Dacia

Renault Samsung Motors Nissan-Infiniti-Datsun

Other brands

● New contracts geographical breakdown(in k units):

● New financings (1) by brand (€bn):


BREAKDOWN OF NEW PRODUCTION

-29%

(1) Excluding cards and personal loans

(2) AMI: Africa, Middle-East, India

659

Europe (excluding France) :

45%

France : 28%

Americas : 10%

Eurasia : 9%

AMI & Pacific : 8%(2)


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28,232,9 36,0 39,4 38,0 37,7

10,1

10,910,9

11,6 10,8 9,938,3

43,846,9

51,048,8 47,6

2016 2017 2018 2019 H12019

H12020

Customer net assets (€bn) Dealer net assets (€bn)

9121077

1215 1327

607473

602721

858 903

414 390

18,2 18,6 19,218,0

16,214,1

2016 2017 2018 2019 H12019

H12020

Pre-tax results (€m)

After-tax results (€m)

ROE without non-recurring elements (%)

● Net assets (1): ● ROE and results:


ASSETS AND RESULTS

(5)

-2%

(1) Net assets at year-end: net total outstandings + operating lease transactions net of depreciation and impairment

(2) Excluding startups impact in 2019, ROE came to 17.6% in 2019

(3) Excluding deferred tax impact, ROE came to 16.8% in H1 2019

(4) ROE was down to 14.1% from 16.2% in June 2019. This is impacted by the rise in the cost of risk and increase in the average net equity due to first half-year results and residual 2019 dividend

cancellation.

(5) Owners of the parent

(3)

(2)

(4)


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● Profit and loss aggregates (1) in percentage of average performing assets:


FINANCIAL PERFORMANCE

2016 2017 2018 2019 H1 2020

Net banking income (2) 4.41 4.11 4.34 4.42(3) 4.22

Cost of risk (4) -0.31 -0.11 -0.33 -0.37 -0.99

Operating expenses -1.39 -1.32 -1.27 -1.26 -1.29

Operating income 2.71 2.68 2.74 2.79 1.94

OEIC and equity method (5) 0.03 0.04 0.00 0.01 0.04

Pre-tax income 2.74 2.72 2.74 2.80 1.98

(1) Analytical breakdown derived from RCI Banque’s financial controlling system(2) Excluding non-recurring elements(3) Net banking income excluding the positive impact of the disposal of equity securities of mobility start-ups stood at 4.31% (4) Including country risk (until 2017) and impairment on loans to Marcel in 2019 (excluding impact on loan to Marcel cost of risk came to 0.35)(5) Other exceptional income and charges and share of equity-accounted companies’ result


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COVID 19 IMPACT ON COST OF RISK

● Loan losses provisions(1) increased by 138 €m:

● Forward looking: Increased weight given to adverse scenario and sharp drop in that of the "baseline"

scenario (the most optimistic) (2) => 26 €m provisions

● Non Performing Loan (NPL)

- NPL ratio from 1,3 % (Dec-19) to 1,5 % (Jun-20), with stable coverage ratio => 45 €m in provisions

● LGD on performing receivables (Bucket 1 and Bucket 2 mix globally stable vs Dec-19) (3)

- Loss given default negatively impacted by lock down measures as car recoveries and auction sales were almost

impossible during lock down period => 59 €m in provisions

● Customer receivable subject to moratorium (4)

In €m Ratio

Total 4,200 11%

o/w opt-in 1,082 3%

o/w opt-out (5) 3,118 8%(1) Mainly related to Covid 19

(2) In line with ESMA guidelines

(3) Management opted to freeze LGD to March 2020 levels in France and May 2020 levels in Italy as operational constraints impacting collections did not reflect actual conditions(4) As of 30/06/2020. Details by geographical exposure in appendix(5) Moratorium granted systematically and by default to all Diac and Diac Location corporate clients in order to relieve customer relations platforms during the first days of lock-down

Customers not willing to benefit from payment deferrals had the possibility to request that their contractual schedule be maintained


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COST OF RISK (1)

Charge

Income

0,330,19

0,51 0,47 0,43

1,15

0,21

-0,15-0,33

-0,09

0,13 0,380,31

0,11

0,330,37

0,40

0,99

2016 2017 2018 2019 H1 2019 H1 2020

Customer cost of risk

Dealer cost of risk

Total cost of risk

(2)

● Cost of risk in percentage of average performing assets at 0.99% (+59bp vs. H1 2019) :

IAS 39 IFRS 9

(1) Cost of risk = Impairment allowances - Reversal of impairment + Losses on receivables written off - Amounts recovered on loans written off

(2) Improvement in the economic environment, a variable used in calibrating provisions on sound Dealer outstandings, led to reversals of

provisions on the Dealer financing portfolio. The cost of risk was thus negative (income)

(3) The total cost of risk, which includes the write-off of loans granted to the Marcel start-up representing 0.02% of APA

(3)


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● Residual value risk borne by RCI Banque:

● In most countries, residual value risk carried by carmakers or dealers

● Residual value exposure borne by RCI Banque mostly located in the UK

● Low and controlled overall exposure on residual values


RESIDUAL VALUE METRICS

2016 2017 2018 2019 H1 2020

Residual value risk (€m) 1,899 1,981 1,944 1,935 1,798

Provisions (€m) 36 67 61 59 51

Provisions (%) 1.9% 3.4% 3.1% 3.0% 2.8%


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411495

578643

319 330

1,63% 1,66% 1,70% 1,73% 1,77% 1,76%

2016 2017 2018 2019 H12019

H12020

Margin on services (€m)

Marge in % of average customer assets

● Margin on services: ● New services contracts:


SERVICES

+4%

3 415

4 3554 839

5 092

2 5171 943

2,22,5

2,7 2,8 2,73,0

2016 2017 2018 2019 H12019

H12020

Services contracts (thousands)

Ratio of services sold per vehicle contract

-23%

(1)

(1) Of which 1,055k€ (54.3%) car centric, 595k€ (30.6%) finance centric and 294k€ (15.1%) customer centric contracts


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4,5%

8,0%1,125%

2,0%

2,5%

2,5%

0,01%

0,01%

1,88%

0,04%

CET 1 OCR

T2 Shortfall

AT1 Shortfall

Countercyclicalcapital buffer

Conservation buffer

P2R (SREP)

Regularoryminimum

12.51%10.05%

(Overall Capital Requirement)including AT1 & T2 Shortfalls

3 8994 442

4 917 5 0325 456

15,715,7 15,0 15,5

16,918,1

2016 2017 2018 2019 H1 2020

Core Tier 1 in €m Core Tier 1 ratio in % Total Capital ratio in %

(3)


CAPITAL RATIO AND REGULATORY REQUIREMENTS

Basel III phase-in Basel III fully-loaded

(1)

Leverage ratio in %

8,6 8,98,6 8,4

(2)

0,0

(3)

Capital ratio Regulatory Requirements

as of 30th June 2020

14.4

(1) 2018: IFRS9 impact taken up front with no use of transitional arrangements. Impact on solvency ratio estimated to -0.06%

(2) 2019: Total Capital ratio rose to 16.87% at 31/12/2019 (of which CET1 was 14.41%) following the Tier 2 subordinated debt issue in the amount of € 850 million

(3) Impact from cancellation of €300m dividend residual payment not included in 2019 capital ratio

(4) Main variations vs Dec-19: €300m residual 2019 dividend cancellation (+86 bps), net profit minus planned 2020 dividend distribution (+40 bp). Trim related headwinds globally in line with calibration disclosed in Feb-

2020 and compensated by activation of CRR options [Treatment of deferred taxes, CCF, SME SF]

(3)

9,3

(4)

(4)


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FINANCIAL POLICY AND FUNDING

3


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Bonds, EMTN & Subordinated debt :

19.7 Md€ ; 41%

Retail deposits (2) : 18.6 Md€ ; 39%

Securitization : 2.8 Md€ ; 6%

Central banks : 2.3 Md€ ; 5%

Banks & Schuldschein : 2.5 Md€ ; 5%

Negotiable debt securities : 1.1 Md€ ; 2%

Groupe Renault (1) : 0.6 Md€ ; 1% Others : 0.2 Md€ ; -

€47.8bn


DEBT STRUCTURE AT END OF JUNE 2020

(1) Groupe Renault : of which € 500m deposit granted as

collateral to offset credit exposure on Renault owned dealers

(2) Retail deposits: of which € 13.1bn (27%) in sight deposits

and € 5.5bn (12%) in term deposits


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4 100 4 434 4 438 4 455 4 451 4 462

2 6273 580 3 849

2 446 2 782 3 6011 335

1 770 2 2462 159

3 040

5 000306

408428

502298

408

8 368 10 192 10 962 9 562 10 571 13 470

2016 2017 2018 2019 S1 2019 S1 2020

Financial assets (excluding HQLA)

Liquid assets (HQLA)

ECB-eligible assets

Committed credit lines

● Liquidity reserve at €13.5bn:


LIQUIDITY RESERVE (1)

(€m)

(1) European scope

(2) Liquidity reserve is calibrated to achieve internal business continuity target in stress scenario. Lower level in December 2019 reflects lower level of bond redemptions for the following year

(bond repayments respectively €1.8 bn in 2020 and €2.8 bn in 2019)

(2)


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● Static liquidity position at end of June 2020: ● Assets funded with longer dated liabilities

● Deposits outflows hypothesis resulting from statistical stress on historical observation, significantly more conservative than Basel III


STATIC LIQUIDITY (1)

(1) On a specific date, the static liquidity represents the sum of the outstanding financial liabilities + equity - the outstanding assets (mainly

loans to Dealers and Customers); in each case assuming no balance sheet changes from the date of calculation. European scope

0

10

20

30

40

50

60

Static liquidity gap Static assets Static liabilities

(€bn)


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0

2

4

6

8

10

12

14

16

18

Liquidity reserve Debt repayment + HQLA renewal


LIQUIDITY STRESS SCENARIO (1)

● Liquidity stress scenario giving more than 15 months of visibility at June 2020 end:

● Stable balance sheet

● No access to new market funding

● Compliance with 100% LCR

● Stressed deposit outflows hypothesis

(1) European scope

(€bn)

10.8


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1,3 1,2 1,1 1,2 1,3 1,3

7,0 8,19,9 10,5

11,8 12,10,6

0,7

0,81,0

1,1 1,2

1,3

2,6

3,13,2

3,53,9

10,2

12,6

14,915,9

17,718,6

2015 2016 2017 2018 2019 H1 2020

UK

Austria

Germany

France

Total

● Deposits/commercial assets ratio at 39%:


RETAIL DEPOSITS

● Retail deposits reaching €18.6bn:

● Of which 70% in sight deposits and 30%in term deposits

● Saving products for retail customers

● 100% on-line through dedicated websites

● Launch of deposit activity in:

● France in February 2012

● Germany in February 2013

● Austria in May 2014

● UK in June 2015

● Brazil in March 2019 (1)

Deposits/commercial assets ratio (%) 32% 33% 34% 34% 35% 39%

(1) At end of June 2020, Brazilian deposits reached €8m (not presented in the histogram above)


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● Capital markets and ABS (€bn):

● Issuances in several currencies including CHF and GBP

● Several 7-year bonds issued since 2014 and new 8-years tenor launched in 2018

● A dual-tranche bond in EUR issued in the first half of 2019

● A subordinated Tier 2 bond of EUR 850M issued in November 2019


2020 FUNDING PLAN (1)

2016 2017 2018 2019 S1 2020 2020 (2)

Bond issuances 4.4 6.3 3.5 3.9 0.75 [0.75-1.5]

Other long-term senior unsecured 0.2 0.1 0.0 0.2 0.0 0.0

Total long-term senior unsecured 4.6 6.4 3.5 4.1 0.75 [0.75-1.5]

ABS (public or conduit) 0.9 0.2 0.7 1 0 0.75

Deposits (new collection, in €bn) 2.4 2.3 1.0 1.8 0,9(1) European scope

(2) Forecast as of June 2020


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APPENDICES

4


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207 216 260 240 244 241295

373442 457 491 460 483 487

704786 773 744

668

844912

1 077

1 2151 327

607

473

10,812,7

13,9

11,312,4 11,8

14,4

18,4

15,416,7

15,1 14,5 15,116,7

23,5 23,822,2

20,1

16,418,7 18,2 18,6 19,2

18,016,2

14,1

1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 H12019

H12020

Income before tax (€m) Return on equity (ROE) (%)

● Evolution of the income before tax (1) and the ROE:

APPENDICES

LOW VOLATILITY ON LONG-TERM RESULTS AND PROFITABILITY

(1) IFRS since 2004


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4,45,0

4,13,5 3,2

2,82,4

1,9 1,6 1,4 1,5 1,5 1,7

0,5 0,5 0,4 0,3 0,3 0,3 0,3 0,3 0,4 0,7 1,0 0,9 1,2

7277 82 82 79 79 76 74 72

65 6468 67

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 H1 2020

Non-performing loans (1) / total (%) Provisions performing loans (%)

Provisions on non-performing loans (%) (1)

APPENDICES

PROVISIONING FOR CUSTOMER ACTIVITY

(1) Non-performing loans : Doubtful and compromised loans until 31/12/2017 (IAS 39 definition) – Loans in default (Bucket 3 IFRS9) since 01/01/2018.

Doubtful loans (IAS 39): installment unpaid for more than 3 months. Compromised loans (IAS 39): the counterparty is declared to have defaulted on a loan or a lease agreement is terminated.

Loans in default (Bucket 3 IFRS 9): installment unpaid for more than 3 months.


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PROVISIONING FOR DEALER ACTIVITY

APPENDICES

8,910,0

7,1

3,84,5

5,24,5 4,0

1,4 1,0 0,8 0,6 0,7

2,8 2,1 1,9 1,7 1,5 1,5 1,4 1,6 1,6 1,3 0,7 0,6 0,8

3034

4447

33

2528

23

2831

37

4549

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 H1 2020

Non-performing loans (1) / total (%) Provisions on performing loans (%) Provisions on non-performing loans (%) (1)

(1) Non-performing loans : Doubtful and compromised loans until 31/12/2017 (IAS 39 definition) – Loans in default (Bucket 3 IFRS9) since 01/01/2018.

Doubtful loans (IAS 39): installment unpaid for more than 3 months. Compromised loans (IAS 39): the counterparty is declared to have defaulted on a loan or a lease agreement is terminated.

Loans in default (Bucket 3 IFRS 9): installment unpaid for more than 3 months.


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APPENDICES

DEALERS: LOSSES ON RECEIVABLES WRITTEN OFF

3 3 4 52

4

13

74

6 6

16

12

20

1315 16

12

1 1 1

0,08 0,07 0,09 0,10 0,04 0,08

0,240,13 0,07 0,12

0,12

0,280,20

0,31

0,19

0,22

0,20

0,12

0,01

0,01 0,01

0,36

0,72 0,63

0,39

0,19 0,19

0,420,55

0,450,36

-0,17 -0,120,02

0,26

0,20

0,13

0,21

-0,15

-0,33

-0,09

0,38

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 H12020

Losses (M€) Losses (% of dealer average outstandings) Dealer cost of risk (% of dealer average outstandings)


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EXPOSURE AND PROVISION BY BUCKET

Exposure Provisions and coverage ratio

Gross

value

in MEUR

of which

bucket 1

in MEUR

of which

bucket 2

in MEUR

of which

bucket 3

in MEUR

Impairment

allowance

in MEUR

of which

bucket 1

in MEUR

of which

bucket 2

in MEUR

of which

bucket 3

in MEUR

June 20 June 20

TOTAL 49 155 45 032 3 383 740

TOTAL-1 020 -294 -241 -485

92,4% 6,9% 1,5% -2,1% 0,7% 7,1% 65,5%

Customers 38 638 35 100 2 867 671

Customers-903 -227 -224 -452

90,8% 7,4% 1,7% -2,3% 0,6% 7,8% 67,4%

Dealers 9 980 9 396 516 68 Dealers-102 -65 -17 -33

94,1% 5,2% 0,7% -1,2% 0,7% 3,3% 48,5%

Others 537 537 0 1

Others-1 -2 0 0

99,8% 0,0% 0,2% 0,4% 0,4% 0,0% 0,0%

Dec-19 Dec-19

TOTAL 52 691 48 683 3 333 675 TOTAL-882 -266 -175 -441

92,4% 6,3% 1,3% -1,7% 0,5% 5,3% 65,3%

Customers 40 178 36 548 3 034 596 Customers-779 -207 -165 -407

91,0% 7,6% 1,5% -1,9% 0,6% 5,4% 68,3%

Dealers 11 747 11 372 299 76 Dealers-102 -58 -10 -34

96,8% 2,5% 0,6% -0,9% 0,5% 3,3% 44,7%

Others 766 763 0 3 Others-1 -1 0 0

99,6% 0,0% 0,4% 1,0% 0,1% 0,00% 0,00%


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CUSTOMER RECEIVABLE SUBJECT TO MORATORIUM BY GEOGRAPHIC AREA

In €m GlobalEurope

Eurasia

Africa-Middle-

East-India

and Pacific

America

Germany Spain France Italy UK Others Argentina Brazil Colombia

Assets (1) 37,735 6,773 3,493 11,972 4,757 3,361 3,167 316 1,999 90 1,391 416

Moratorium (1) 4,200 88 75 3,118 212 131 169 32 114 3 110 149

Ratio 11% 1% 2% 26% 4% 4% 5% 10% 6% 3% 8% 36%

o/w opt-in (1) 1,082 88 75 0 212 131 169 32 114 3 110 149

Ratio 3% 1% 2% 0% 4% 4% 5% 10% 6% 3% 8% 36%

o/w opt-out (1) 3,118 0 0 3,118 0 0 0 0 0 0 0 0

Ratio 8% 0% 0% 26% 0% 0% 0% 0% 0% 0% 0% 0%

(1) As of 30/06/2020

APPENDIX


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APPENDICES

COMMERCIAL ACTIVITY (1)

Financing

penetration

rate (%)

New vehicle

contracts

(thousands)

New

financings (2)

(€m)

Net assets at

year-end (€m)

o/w Customer

net assets at

year-end (€m)

o/w Dealer

net assets at

year-end (€m)

H1 2019 H1 2020 H1 2019 H1 2020 H1 2019 H1 2020 H1 2019 H1 2020 H1 2019 H1 2020 H1 2019 H1 2020

Europe 44.2 48.6 711 485 9,289 6,409 43,488 42,967 33,415 33,523 10,073 9,444

of which Germany 43.6 50.9 95 77 1,449 1,166 7,969 8,137 6,495 6,773 1,474 1,364

of which Spain 50.7 51.1 84 42 997 506 4,784 4,437 3,880 3,493 904 944

of which France 47.7 51.9 259 187 3,249 2,360 14,974 15,638 11,137 11,972 3,837 3,666

of which Italy 63.4 63.7 113 60 1,602 874 5,951 5,802 4,875 4,757 1,076 1,045

of which UK 29.0 40.0 55 43 843 663 4,539 4,248 3,676 3,361 863 887

of which other countries 31.8 36.8 105 76 1,148 839 5,271 4,705 3,352 3,167 1,919 1,538

Americas 36.7 42.7 98 66 784 481 2,999 2,203 2,388 1,897 611 306

of which Argentina 19.7 31.7 11 9 51 48 225 135 149 90 76 45

of which Brazil 39.8 41.9 75 45 626 338 2,343 1,578 1,889 1,391 454 187

of which Colombia 48.8 67.1 13 11 107 96 431 490 350 416 81 74

Africa, Middle East, India and Pacific 41.2 43.1 55 51 538 614 2,005 2,105 1,873 1,999 132 106

Eurasia 27.4 31.1 55 56 252 242 292 325 274 316 18 9

TOTAL 41.3 44.9 919 659 10,864 7,747 48,784 47,600 37,950 37,735 10,834 9,865

(1) Figures refer to Personal Car (PC) + Light Utility Vehicle (LUV) market

(2) Excluding cards and personal loans

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THANK YOU

RCI BANQUE...Evolution vs. first-half 2019: First-half 2020 Alliance sales (in k units): 1,116...

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Transcript of RCI BANQUE...Evolution vs. first-half 2019: First-half 2020 Alliance sales (in k units): 1,116...