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Fact Sheet

December 2013 QUARTER

ABOUT GM FINANCIAL

GM Financial (the "Company") is the captive finance company and a wholly-owned subsidiary of General Motors Company (“GM”) and is headquartered in Fort Worth, Texas.

In November 2012 GM Financial announced the acquisition of Ally Financial Inc.'s (Ally) international assets. The majority of those assets were closed on in 2013, with remaining portion (an equity interest in a joint venture in China) expected to be completed in 2014.

In the fourth quarter of 2013, GM Financial had operations in 18 countries, providing auto finance solutions to over 13,000 dealers worldwide and earning assets of $33 billion

OUR EXPERIENCE

GM Financial has over 20 years of operating history in North America and decades as GM’s captive in Europe and Latin America. Our management team brings extensive experience, knowledge and understanding of the auto finance industry to meet the needs of dealers and consumers.

Our expertise in managing credit risk and underwriting loans and leases is based on years of experience analyzing consumer behavior and portfolio performance through various economic cycles.

Since 1994, in North America, we have executed over 80 securitization transactions and issued in excess of $75 billion of notes through our established securitization program to fund our loan originations.

OUR PRODUCTS

We are dedicated to helping dealers increase vehicle sales by providing a broad spectrum of auto finance solutions. GM Financial maintains a team of local sales and credit representatives, with credit centers located in major markets throughout the U.S., Canada, Europe and Latin America, to ensure unparalleled customer service and reliable, consistent funding for our dealers.

Our core retail product provides access to financing for consumers through GM dealers worldwide and non-GM dealers in the U.S.

Additionally, we provide a broad range of financing products for GM dealers including a full-credit spectrum lease program to help consumers get behind the wheel of a new GM vehicle in the U.S. and Canada.

In an effort to further support our GM dealer partners, we offer commercial lending options to help finance floorplan inventory, real estate purchases and construction activities, and offer insurance coverage related to these commercial loans.

OUR CUSTOMERS

The following table summarizes our consumer and loan characteristics for the loans we originated in our North American segment during the quarter.

Dec 2013 Qtr Dec 2012 Qtr
Credit Bureau Score 500 – 700 500 – 800
Annual Income $64 – $70 k $65 – $70 k
Years at Present Employer 7 7
Years of Credit History 13 13
Homeowner 41% 44%
Loan Amount $21,600 $21,300
Down Payment 12% 12%
APR 13.4% 14.0%
Term (months) 71 70
GM New Vehicle % 27% 30%
Loan-to-Value (wholesale) 108% 108%
Mileage at Origination 28,700 miles 27,500 miles

Selected Financial and Operating Information

LIQUIDITY AND FUNDING

With $16.7 billion in total borrowing capacity on our committed warehouse credit facilities and $3.9 billion in available liquidity at December 31, 2013, we are well positioned to support our originations growth and product diversification strategies.

DECEMBER QUARTERLY
OPERATING METRICS
North America (1) International (2) Total Co.
Earnings Before Tax - Adjusted ($MM) $166 $67(3) $239 (3),(4)
Ending Earning Assets ($MM) $16,849 $16,484 $33,333
Total Originations (Loan & Lease, $MM) $1,796 $2,121 $3,917
GM as a % of Total Originations 53.6% 89.7% 73.1%
Annualized Net Credit Loss as a % of Avg. Consumer Finance Receivable 3.5% 0.8% 2.1%
Annualized Expense Ratio (excluding lease and acquisition expenses) 2.8% 3.8% 3.3%
Total Debt ($MM) $29,046
Leverage (5) 6.7x

1. United States and Canada

2. Beginning April 1, 2013, Germany, United Kingdom, Italy, Sweden, Switzerland, Austria, Belgium, the Netherlands, Chile, Colombia, Mexico, Spain, Greece; beginning June 1, 2013, France and Portugal; and beginning October 1, 2013, added Brazil.

3. Excludes $15M charge to provision expense associated with discontinuing the Chevrolet brand in Europe.

4. Total Co. includes net unallocated expenses

5. Earning assets to tangible net worth