General Motors Financial (ACF) 8-K GM Financial Reports September Quarter 2014 Operating Results

Exhibit 99.1

GM FINANCIAL REPORTS SEPTEMBER QUARTER 2014 OPERATING RESULTS

• Earnings of $158 million

• Consumer loan and lease originations of $5.8 billion

• Annualized net credit losses of 2.0% on average consumer finance receivables

• End of period earning assets of $38.2 billion

FORT WORTH, TEXASOctober 23, 2014 –GENERAL MOTORS FINANCIAL COMPANY, INC.(“GM Financial” or the “Company”) announced earnings of $158 million for the quarter ended September 30, 2014, compared to $161 million for the quarter ended September 30, 2013. Earnings for the nine months ended September 30, 2014 were $478 million, compared to $445 million for the nine months ended September 30, 2013. Earnings include $7 million and $29 million in pre-tax acquisition and integration expenses for the quarter and nine-month period ended September 30, 2013, respectively.

Consumer loan originations were $4.1 billion for the quarter ended September 30, 2014, compared to $3.6 billion for the quarter ended June 30, 2014, and $2.5 billion for the quarter ended September 30, 2013. Consumer loan originations for the nine months ended September 30, 2014 were $11.1 billion, compared to $6.3 billion for the nine months ended September 30, 2013. The outstanding balance of consumer finance receivables totaled $25.3 billion at September 30, 2014.

Operating lease originations of General Motors Company (“GM”) vehicles were $1.7 billion for the quarter ended September 30, 2014, compared to $1.5 billion for the quarter ended June 30, 2014 and $727 million for the quarter ended September 30, 2013. Operating lease originations for the nine months ended September 30, 2014 were $4.1 billion, compared to $2.2 billion for the nine months ended September 30, 2013. Leased vehicles, net, totaled $5.8 billion at September 30, 2014.

The outstanding balance of commercial finance receivables was $7.2 billion at September 30, 2014 compared to $7.1 billion at June 30, 2014 and $6.7 billion at December 31, 2013.

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Consumer finance receivables 31-to-60 days delinquent were 3.9% of the portfolio at September 30, 2014, compared to 3.8% at September 30, 2013. Accounts more than 60 days delinquent were 1.7% of the portfolio at September 30, 2014, compared to 1.5% a year ago.

Annualized net credit losses were 2.0% of average consumer finance receivables for the quarter ended September 30, 2014 compared to 1.9% a year ago. For the nine months ended September 30, 2014, annualized consumer net credit losses were 1.8%, compared to 1.9% for the nine months ended September 30, 2013.

The Company had total available liquidity of $8.0 billion at September 30, 2014, consisting of $1.5 billion of unrestricted cash, $4.7 billion of borrowing capacity on unpledged eligible assets, $819 million of borrowing capacity on unsecured lines of credit and $1.0 billion of borrowing capacity on a Junior Subordinated Revolving Credit Facility from GM.

The Company acquired Ally Financial’s auto finance and financial services operations in Germany, the United Kingdom, Italy, Sweden, Switzerland, Austria, Belgium, the Netherlands, Greece, Spain, Chile, Colombia and Mexico on April 1, 2013 and acquired Ally Financial’s auto finance and financial services operations in France and Portugal on June 1, 2013. The Company also acquired Ally Financial’s auto finance and financial services operations in Brazil on October 1, 2013. The results of operations of the acquired entities are included since their respective acquisition dates.

About GM Financial

General Motors Financial Company, Inc. is the captive finance company for and a wholly-owned subsidiary of General Motors Company and is headquartered in Fort Worth, Texas. For more information, visit www.gmfinancial.com.

Forward-Looking Statements

Except for the historical information contained herein, the matters discussed in this news release include forward-looking statements which are the Company’s 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 those anticipated by the Company. The most significant of these risks are detailed from time to time in the Company’s filings and reports with the Securities and Exchange Commission including the Company’s annual report on Form 10-K for the year ended December 31, 2013. Such risks include – but are not limited to – our ability to close the

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acquisition of Ally Financial’s equity interest in its auto finance and financial services operations in China and operate that business successfully, changes in general economic and business conditions, GM’s ability to sell new vehicles that we finance in the markets we serve in North America, Europe and Latin America, interest rate and currency fluctuations, our financial condition and liquidity, as well as future cash flows and earnings, competition, the effect, interpretation or application of new or existing laws, regulations, court decisions and accounting pronouncements, the availability of sources of financing, the level of net credit losses, delinquencies and prepayments on the loans and leases we originate, the viability of GM-franchised dealers that are commercial loan customers, the prices at which used cars and end of term leased vehicles are sold in the wholesale markets, and changes in business strategy, including acquisitions and expansion of product lines and credit risk appetite. If one or more of these risks or uncertainties materializes, or if underlying assumptions prove incorrect, actual events or results may differ materially. It is advisable not to place undue reliance on any forward-looking statements. The Company undertakes no obligation to, and does 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.

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General Motors Financial Company, Inc.

Consolidated Statements of Income

(Unaudited, Dollars in Millions)

		Three Months Ended September 30,				Nine Months Ended September 30,
		2014		2013		2014		2013
Revenue
Finance charge income		$	883	$	647	$	2,595	$	1,709
Leased vehicle income			297		172		735		415
Other income			81		48		219		119
			1,261		867		3,549		2,243
Costs and expenses
Operating expenses			297		203		846		502
Leased vehicle expenses			228		133		563		314
Provision for loan losses			160		117		408		311
Interest expense	��		368		168		1,037		414
Acquisition and integration expenses			—		7		—		29
			1,053		628		2,854		1,570
Income before income taxes			208		239		695		673
Income tax provision			50		78		217		228
Net income		$	158	$	161	$	478	$	445

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Consolidated Balance Sheets

(Unaudited, Dollars in Millions)

	September 30, 2014		December 31, 2013
Assets
Cash and cash equivalents	$	1,517	$	1,074
Finance receivables, net		31,722		29,282
Restricted cash		2,060		1,958
Property and equipment, net		165		132
Leased vehicles, net		5,796		3,383
Deferred income taxes		357		359
Goodwill		1,245		1,240
Related party receivables		195		129
Other assets		516		433
Total assets	$	43,573	$	37,990
Liabilities and Shareholder’s Equity
Liabilities
Secured debt	$	22,932	$	22,073
Unsecured debt		10,842		6,973
Accounts payable and accrued expenses		990		946
Deferred income		317		168
Deferred income taxes		21		87
Taxes payable		239		287
Related party taxes payable		877		643
Related party payables		603		368
Other liabilities		194		160
Total liabilities		37,015		31,705
Shareholder’s equity		6,558		6,285
Total liabilities and shareholder’s equity	$	43,573	$	37,990

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Operational and Financial Data

(Unaudited, Dollars in Millions)

	Three Months Ended September 30,
	2014									2013
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	1,957		$	2,127		$	4,084		$	1,270		$	1,233		$	2,503
GM lease originations	$	1,742		$	13		$	1,755		$	727			—		$	727
GM new vehicle loans and leases as a percent of total loan and lease originations		65.5	%		87.7	%		73.6	%		56.0	%		85.0	%		67.1	%

	Nine Months Ended September 30,
	2014									2013
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	4,874		$	6,255		$	11,129		$	3,980		$	2,350		$	6,330
GM lease originations	$	4,064		$	13		$	4,077		$	2,180			—		$	2,180
GM new vehicle loans and leases as a percent of total loan and lease originations		62.7	%		87.6	%		73.0	%		55.5	%		85.4	%		63.7	%

	Three Months Ended September 30,
	2014						2013
	North America		International		Total		North America		International		Total
Average consumer finance receivables	$	12,383	$	12,943	$	25,326	$	11,438	$	7,448	$	18,886
Average commercial finance receivables		2,404		4,519		6,923		1,244		3,781		5,025
Average finance receivables		14,787		17,462		32,249		12,682		11,229		23,911
Average leased vehicles, net		5,299		5		5,304		2,883		4		2,887
Average earning assets	$	20,086	$	17,467	$	37,553	$	15,565	$	11,233	$	26,798

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	Nine Months Ended September 30,
	2014						2013
	North America		International		Total		North America		International		Total
Average consumer finance receivables	$	11,924	$	12,585	$	24,509	$	11,281	$	4,801	$	16,082
Average commercial finance receivables		2,235		4,649		6,884		998		2,428		3,426
Average finance receivables		14,159		17,234		31,393		12,279		7,229		19,508
Average leased vehicles, net		4,352		3		4,355		2,393		4		2,397
Average earning assets	$	18,511	$	17,237	$	35,748	$	14,672	$	7,233	$	21,905

	September 30, 2014						December 31, 2013
	North America		International		Total		North America		International		Total
Consumer finance receivables	$	12,674	$	12,604	$	25,278	$	11,493	$	11,757	$	23,250
Commercial finance receivables		2,513		4,638		7,151		1,975		4,725		6,700
Leased vehicles		5,785		11		5,796		3,381		2		3,383
Ending Earning Assets	$	20,972	$	17,253	$	38,225	$	16,849	$	16,484	$	33,333

	September 30, 2014									December 31, 2013
	North America			International			Total			North America			International			Total
Consumer
Pre-acquisition consumer finance receivables - outstanding balance	$	460		$	200		$	660		$	931		$	363		$	1,294
Pre-acquisition consumer finance receivables - carrying value	$	401		$	197		$	598		$	826		$	348		$	1,174
Post-acquisition consumer finance receivables, net of fees		12,214			12,404			24,618			10,562			11,394			21,956
		12,615			12,601			25,216			11,388			11,742			23,130
Less: allowance for loan losses		(536	)		(72	)		(608	)		(468	)		(29	)		(497	)
Total consumer finance receivables, net		12,079			12,529			24,608			10,920			11,713			22,633
Commercial
Commercial finance receivables, net of fees		2,513			4,638			7,151			1,975			4,725			6,700
Less: allowance for loan losses		(17	)		(20	)		(37	)		(17	)		(34	)		(51	)
Total commercial finance receivables, net		2,496			4,618			7,114			1,958			4,691			6,649
Total finance receivables, net	$	14,575		$	17,147		$	31,722		$	12,878		$	16,404		$	29,282

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	September 30, 2014									December 31, 2013
	North America			International			Total			North America			International			Total
Allowance for loan losses as a percentage of post-acquisition consumer finance receivables		4.4	%		0.6	%		2.5	%		4.4	%		0.3	%		2.3	%
Allowance for loan losses as a percentage of commercial finance receivables		0.7	%		0.4	%		0.5	%		0.9	%		0.7	%		0.8	%

	September 30, 2014									September 30, 2013
	North America			International			Total			North America			International			Total
Loan delinquency as a percent of ending consumer finance receivables:
31 - 60 days		6.8	%		0.9	%		3.9	%		6.0	%		0.6	%		3.8	%
Greater than 60 days		2.4			1.0			1.7			2.2			0.6			1.5
Total		9.2	%		1.9	%		5.6	%		8.2	%		1.2	%		5.3	%

The Company analyzes portfolio performance of both the pre-acquisition and post-acquisition consumer finance receivable portfolios on a combined basis. This information allows for the ability to analyze credit loss trends of the combined portfolio

	Three Months Ended September 30,
	2014						2013
	North America(a)		International		Total		North America(a)		International		Total
Charge-offs	$	194	$	36	$	230	$	153	$	18	$	171
Adjustments to reflect write-offs of the contractual amounts on the pre-acquisition portfolio		13		2		15		34		4		38
Total credit losses	$	207	$	38	$	245	$	187	$	22	$	209

	Nine Months Ended September 30,
	2014						2013
	North America(a)		International		Total		North America(a)		International		Total
Charge-offs	$	543	$	102	$	645	$	401	$	18	$	419
Adjustments to reflect write-offs of the contractual amounts on the pre-acquisition portfolio		52		7		59		123		9		132
Total credit losses	$	595	$	109	$	704	$	524	$	27	$	551

(a) Total credit losses on the portfolio in the North American Segment is composed of repossession credit losses and mandatory credit losses.

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The following table presents credit loss data (which includes charge-offs on the post-acquisition portfolio and write-offs of contractual amounts on the pre-acquisition portfolio) with respect to our consumer finance receivables portfolio (dollars in millions):

	Three Months Ended September 30,
	2014									2013
	North America			International(a)			Total			North America			International(a)			Total
Repossession credit losses	$	207		$	38		$	245		$	187		$	22		$	209
Less: recoveries		(106	)		(12	)		(118	)		(105	)		(15	)	$	(120	)
Net credit losses	$	101		$	26		$	127		$	82		$	7		$	89
Net annualized credit losses as a percentage of average consumer finance receivables(b):		3.2	%		0.8	%		2.0	%		2.8	%		0.4	%		1.9	%
Recoveries as a percentage of gross repossession credit losses:		56.6	%								58.7	%

	Nine Months Ended September 30,
	2014									2013
	North America			International(a)			Total			North America			International(a)			Total
Repossession credit losses	$	595		$	109		$	704		$	524		$	27		$	551
Less: recoveries		(339	)		(45	)		(384	)		(313	)		(15	)		(328	)
Net credit losses	$	256		$	64		$	320		$	211		$	12		$	223
Net annualized credit losses as a percentage of average consumer finance receivables(b):		2.9	%		0.7	%		1.8	%		2.5	%		0.4	%		1.9	%
Recoveries as a percentage of gross repossession credit losses:		59.0	%								60.3	%

(a) Repossession credit losses for the International Segment includes the write-down of defaulted receivables to net realizable value.

(b) Average consumer finance receivables are defined as the average receivable balance excluding the carrying value adjustment.

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	Three Months Ended September 30,
	2014									2013
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.8	%		3.6	%		3.1	%		3.0	%		3.0	%		3.0	%

	Nine Months Ended September 30,
	2014									2013
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.8	%		3.6	%		3.2	%		3.1	%		3.1	%		3.1	%

(a) Excluding lease and acquisition and integration expenses.

Investor Relations contact:

Stephen Jones

(817) 302-7119

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