Exhibit 99.1 Strategic and Operational Overview May 1, 2019 1
Safe Harbor Statement This presentation contains several “forward-looking statements.” Forward-looking statements are those that use words such as “believe,” “expect,” “intend,” “plan,” “may,” “likely,” “should,” “estimate,” “continue,” “future” or “anticipate” and other comparable expressions. These words indicate future events and trends. Forward-looking statements are our current views with respect to future events and financial performance. These forward-looking statements are subject to many assumptions, risks and uncertainties that could cause actual results to differ significantly from historical results or from those anticipated by us. The most significant risks are detailed from time to time in our filings and reports with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2018. Such risks include - but are not limited to - GM’s ability to sell new vehicles that we finance in the markets we serve; the viability of GM-franchised dealers that are commercial loan customers; changes in the automotive industry that result in a change in demand for vehicles and related vehicle financing; the sufficiency, availability and cost of sources of financing, including credit facilities, securitization programs and secured and unsecured debt issuances; our joint ventures in China, which we cannot operate solely for our benefit and over which we have limited control; the adequacy of our underwriting criteria for loans and leases and the level of net charge-offs, delinquencies and prepayments on the loans and leases we purchase or originate; the adequacy of our allowance for loan losses on our finance receivables; the effect, interpretation or application of new or existing laws, regulations, court decisions and accounting pronouncements; adverse determinations with respect to the application of existing laws, or the results of any audits from tax authorities, as well as changes in tax laws and regulations, supervision, enforcement and licensing across various jurisdictions; the prices at which used vehicles are sold in the wholesale auction markets; vehicle return rates, our ability to estimate residual value at the inception of a lease and the residual value performance on vehicles we lease; interest rate fluctuations and certain related derivatives exposure; foreign currency exchange rate fluctuations and other risks applicable to our operations outside of the U.S.; changes to the LIBOR calculation process and potential phasing out of LIBOR; our ability to effectively manage capital or liquidity consistent with evolving business or operational needs, risk management standards, and regulatory or supervisory requirements; changes in local, regional, national or international economic, social or political conditions; our ability to maintain and expand our market share due to competition in the automotive finance industry from a large number of banks, credit unions, independent finance companies and other captive automotive finance subsidiaries; our ability to secure private customer and employee data or our proprietary information, manage risks related to security breaches and other disruptions to our networks and systems and comply with enterprise data regulations in all key market regions; and changes in business strategy, including expansion of product lines and credit risk appetite, acquisitions and divestitures. If one or more of these risks or uncertainties materialize, or if underlying assumptions prove incorrect, our actual results may vary materially from those expected, estimated or projected. It is advisable not to place undue reliance on any forward-looking statements. We undertake no obligation to, and do not, publicly update or revise any forward-looking statements, except as required by federal securities laws, whether as a result of new information, future events or otherwise. Unless otherwise noted, prior period information excludes Discontinued Operations and reflects results for North America and our continuing International Operations. The IHS reports, data and information (“IHS Markit Materials”) referenced herein are copyrighted property of IHS Markit Ltd and its subsidiaries (“IHS Markit”) and represent data, research, opinions or viewpoints published by IHS Markit, and are not representations of fact. The IHS Markit Materials speak as of the date of the original publication date thereof and not as of the date of this document. The information and opinions expressed in the IHS Markit Materials are subject to change without notice and IHS Markit has no duty or responsibility to update the IHS Markit materials. Moreover, while the IHS Markit Materials reproduced herein are from sources considered reliable, the accuracy and completeness thereof are not warranted, nor are the opinions and analyses which are based upon it. IHS Markit and R.L. Polk & Co. are trademarks of IHS Markit. 2
GM Financial Company Overview Focused on delivering strategic and financial value to General Motors Operations cover ~90% of GM’s worldwide sales 6.5 million retail contracts outstanding Offering auto finance products to 14,000 dealers worldwide Earning assets of $97.2B Captive Value Proposition Enhance Customer Provide Support Contribute to Drive Vehicle Experience and Across Economic Enterprise Sales Loyalty Cycles Profitability 3
Drive Vehicle Sales Offer competitive, comprehensive >1.5 million suite of finance products and leads provided services to customers and dealers to GM Dealers Support GM’s go-to-market strategies ~410,000 GM vehicles Enhance dealer sales through lead sold generation programs and underwriting depth Participate in mobility initiatives; ~231,000 leasing electric vehicles and GM Financial financing shared and autonomous originations fleets Note: Leads data represents results for twelve months ended March 31, 2019 4
Enhance Customer Experience and Loyalty Strong loyalty supports sales and earnings for GM Integrated GM / GM Financial GM Financial ranked highest among customer relationship management captive lenders in 2016, 2017 and activities through the first six months of 20181 Customer-centric, multi-channel servicing approach leads to high customer satisfaction Personalized end-of-lease term experience designed to inform customer and increase likelihood of purchasing another GM vehicle 1. Based on IHS Markit Lease and Retail Return to Market Manufacturer Loyalty data from January 2018 through June 2018. Data based on disposal methodology and GM custom segmentation in the U.S. Manufacturer Loyalty rate equals households who return to market from a captive OEM leased or purchased vehicle and remain loyal to the same manufacturer. 5
Provide Support Across Economic Cycles Available Liquidity ($B) $28.3 $26.2 $17.9 Maintain strong liquidity position Dec 31, 2017 Dec 31, 2018 Mar 31, 2019 Manage leverage ratio within target of ~10x Borrowing capacity Cash Leverage Ratio1 Execute diversified funding plan with unsecured debt mix ~50% Managerial Target ~10x 9.49x 9.05x 8.76x Committed to investment grade rating; critical for captive strategy execution Dec 31, 2017 Dec 31, 2018 Mar 31, 2019 1. Calculated consistent with GM/GM Financial Support Agreement, filed with the Securities and Exchange Commission as an exhibit to our Current Report on Form 8-K dated April 18, 2018 6
Contribute to Enterprise Profitability Earnings Before Taxes ($M) Steady State Target ~$2B Annually $1,893 $1,196 Consistently strong earnings $443 $359 CY 2017 CY 2018 Q1 2018 Q1 2019 Prudent credit and residual North America International management Return on Average Tangible Common Equity1 Steady State Target Sustainable dividend to GM Low-mid Teens 17.2% 15.3% 15.6% 13.4% Target return on average tangible common equity in low-mid teens $9.1 $10.5 $9.6 $10.8 CY 2017 CY 2018 Q1 2018 Q1 2019 Return on Average Tangible Common Equity Tangible NetNet WorthWorth ($($B)B)2 1. Defined as net income from continuing operations attributable to common shareholder for the trailing four quarters divided by average tangible common equity for the same period, see Appendix for reconciliation to the most directly comparable GAAP measure 7 2. Total shareholders’ equity less goodwill
Results and Metrics 8
Origination Metrics Origination Volume Target 50-60% retail penetration 66.7% Retail Lease 55.7% 53.2% 54.7% 54.4% 54.7% Retail Loan 44.5% 55.7% 52.8% 50.0% 45.4% GM Financial as % of GM 30.4% U.S. Retail Sales1 $12.3B $12.1B $13.6B $12.4B GM Financial as % of GM $10.2B $10.8B Latin America Retail Sales Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Earning Assets $93.1B $97.0B $97.2B $86.0B $88.1B $90.4B Commercial Loan Retail Lease Retail Loan Hold Dec 31, 2017 Mar 31, 2018 Jun 30, 2018 Sep 30, 2018 Dec 31, 2018 Mar 31, 2019 1. GM Financial penetration of GM retail sales in the U.S. for Q1 2018 was revised to align with GM’s reporting period 9
Retail Loan Originations and Portfolio Balance ($B) $40.7 $41.8 $37.9 North America GM New $35.7 $32.8 $34.3 North America Non GM New $8.4 $6.7 $7.2 International $6.0 $5.1 $4.4 $6.1 Retail Finance Receivables $5.2 $4.1 $4.7 at quarter-end $2.4 $3.1 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 U.S. Weighted Avg. FICO Score 702 716 728 736 745 737 Outstanding Contracts (000s) 2,309 2,363 2,433 2,494 2,608 2,652 Credit Performance 5.0% Net charge-offs 4.0% 31-60 day 3.0% delinquency 2.2% 2.1% 1.8% 61+ day 2.0% 1.7% 1.7% 1.6% delinquency 1.0% 0.0% Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 10
Retail Lease Originations and Portfolio Balance ($B) $44.1 $44.1 $42.9 $43.4 $43.6 $43.1 Other Volume $6.2 $5.8 $5.7 $5.4 $5.2 $5.2 U.S. Volume Lease portfolio at quarter-end $5.5 $5.7 $5.3 $5.0 $4.9 $5.0 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 GM Type of U.S. Sale – Lease1 24% 27% 26% 24% 23% 26% U.S. Weighted Avg. FICO Score 770 771 772 772 773 772 Outstanding Contracts (000s) 1,652 1,677 1,699 1,710 1,703 1,687 1. Lease as a percentage of GM U.S. retail sales mix (Source: J.D. Power and Associates’ Power Information Network PIN) 11
U.S. Residual Value U.S. GM Financial Gross Proceeds vs. ALG Residuals at Origination1 Q4 2017 – Q1 2019 Sales (Avg % Per Unit2) 120% 70,000 115% 60,000 50,000 110% Gain/(Loss) – 40,000 105% 30,000 Volume 100% 20,000 95% 10,000 90% 0 Residual Realization Realization Residual Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Car Sales CUV Sales SUV/Truck Sales Car Avg G/(L) CUV Avg G/(L) SUV/Truck Avg G/(L) Total Avg G/(L) Expect used vehicle price decline of 4-5% in 2019 over 2018 due primarily to peak off-lease supply 1. Based on average condition ALG residual with mileage modifications 2. Reflects average per unit gain/(loss) on vehicles returned to GM Financial and sold in the period 12
Commercial Loan Commercial Finance Receivables Portfolio 1,750 1,773 1,643 1,682 1,538 1,592 International ($B) $12.7 $12.4 $11.1 $10.3 $10.4 $10.7 North America ($B) Number of Dealers $11.1 $11.0 $8.7 $8.9 $9.4 $9.6 Dec 31, 2017 Mar 31, 2018 Jun 30, 2018 Sep 30, 2018 Dec 31, 2018 Mar 31, 2019 U.S. Wholesale Dealer 20.2% 21.6% 22.9% 23.6% 25.2% 26.0% Penetration Targeting one third U.S. market share by YE 2020 13
SAIC-GMAC China Joint Venture • GM Financial owns a 35% equity stake in SAIC-GMAC joint venture1 • General Motors’ China retail market share for Q1 2019 was 13.3% • Joint venture earning assets of $17.8B at March 31, 2019, up $2.4B year-over-year • Increasing acceptance of consumer financing in China China JV as % of SGM2 Retail Sales3 Retail Origination Volume3 ($B) $12.3 44.4% $11.2 41.4% 38.1% 36.3% $3.0 $2.9 CY 2017 CY 2018 Q1 2018 Q1 2019 CY 2017 CY 2018 Q1 2018 Q1 2019 Equity Income ($M) Net Charge-offs on Loans4 $173 $183 0.11% 0.09% 0.08% $52 $45 0.05% CY 2017 CY 2018 Q1 2018 Q1 2019 CY 2017 CY 2018 Q1 2018 Q1 2019 1. Results reflected in financial statements under equity method 2. SAIC General Motors Corporation Limited 3. Retail loan only; includes off-balance sheet contracts originated for third parties 4. Annualized percentage of average retail finance receivables 14
Global Funding Platform Total Debt Outstanding • Strategy to fund locally with flexibility to March 31, 2019 issue globally to support U.S. growth International North America • Target ~50% unsecured debt mix $5.7 Securitization North America $39.0 - 55% at March 31, 2019 Credit Facilities $0.9 • Global senior notes platform issuing $92.1B across multiple currencies • Five securitization platforms in North North America America, segregated by asset type and Unsecured Debt geography $46.5 • Committed credit facilities of $26.8B provided by 30 banks at March 31, 2019 Public Debt Issuances $24-28B $22.4B ~$10-12 $8.6 $7.5B ~$14-16 $13.8 $3.9 $3.6 CY 2018 CY 2019 (F) YTD 2019 Securitization1 Senior Notes 1. Includes Rule 144a transactions 15
Financial Support from GM • Support Agreement between GM and GM Financial solidifies GM Financial as core component of GM’s business and strengthens ability to support GM’s strategy • Requires 100% voting ownership of GM Financial by GM as long as GM Financial has unsecured debt securities outstanding • Augments GM Financial’s liquidity position through $1.0B junior subordinated unsecured credit line from GM, and exclusive access to $2.0B, 364-day tranche of GM’s Revolving Credit Facility • Establishes leverage limits and provides capital support if needed - Leverage limits (Net Earning Assets divided by Adjusted Equity; including any amount outstanding on the Junior Subordinated Revolving Credit Facility) above the thresholds triggers funding request from GM Financial to GM Leverage limit of 11.5x at March 31, 2019; increases to 12.0x when Net Earning Assets exceed $100B 1. Measured at each calendar quarter 16
Committed to Investment Grade • GM targeting performance consistent with “A” ratings criteria • GM Financial ratings aligned with GM’s rating; currently investment grade with all agencies • Investment grade rating critical for captive strategy execution GM GM Financial Company Bond Company Bond Outlook ST Rating Outlook Current Ratings Rating Rating Rating Rating DBRS BBB (high) N/A Stable BBB (high) BBB (high) R-2 (high) Stable Fitch BBB BBB Stable BBB BBB F-2 Stable Moody’s I.G. Baa3 Stable Baa3 Baa3 P-3 Stable Standard and Poor’s BBB BBB Stable BBB BBB A-2 Stable 17
GM Financial Key Strengths STRATEGIC • GM priority to grow GM Financial INTERDEPENDENCE - Expansion of captive presence in the U.S. to further WITH GM enhance customer experience and loyalty - Maintain captive penetration levels outside of the U.S. FULL SUITE OF AUTO • Operations covering ~90% of GM’s worldwide sales FINANCE SOLUTIONS - Drive vehicle sales through new product offerings and enhancements and geographic expansion - Growing finance penetration in China provides opportunity SOLID GLOBAL for increased profitability FUNDING PLATFORM • Investment grade rating; committed bank lines, well-established ABS and unsecured debt issuance STRONG BALANCE programs SHEET AND FINANCIAL PERFORMANCE - Along with GM, committed to investment grade - Appropriate liquidity and strong balance sheet allows EXPERIENCED AND flexibility to provide support across economic cycles SEASONED • Earned $0.4B in earnings before taxes for Q1 2019; MANAGEMENT TEAM expect 2019 EBT to be similar to 2018 - Stable, risk-adjusted returns contribute to enterprise profitability 18
Appendix 19
GM Financial Return on Equity Four Quarters Ended Dec 31, Dec 31, Mar 31, Mar 31, 2017 2018 2018 2019 Net income attributable to common shareholder $645 $1,504 $798 $1,397 Plus: loss from discontinued operations, net of tax 424 -- 447 -- Income from continuing operations attributable to common 1,069 1,504 1,245 1,397 shareholder Average equity 9,451 11,049 9,866 11,395 Less: average preferred equity 303 1,136 530 1,250 Average common equity 9,148 9,913 9,336 10,145 Less: average goodwill 1,199 1,192 1,199 1,189 Average tangible common equity $7,949 $8,721 $8,137 $8,956 Return on average equity 11.5% 14.2% 12.9% 12.9% Return on average tangible common equity1 13.4% 17.2% 15.3% 15.6% 1. Defined as net income from continuing operations attributable to common shareholder for the trailing four quarters divided by average tangible common equity for the same period A120
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