General Motors Financial (ACF) 8-K GM Financial Reports Full Year and December Quarter 2014

Exhibit 99.1

GM FINANCIAL REPORTS FULL YEAR AND DECEMBER QUARTER 2014

OPERATING RESULTS

• Full year earnings of $537 million; $59 million for the December quarter

• Full year consumer loan and lease originations of $21.3 billion; $6.0 billion for the December quarter

• Full year annualized net credit losses of 1.9% on average consumer finance receivables; 2.2% for the December quarter

• End of period earning assets of $40.8 billion

FORT WORTH, TEXASFebruary 4, 2015 –GENERAL MOTORS FINANCIAL COMPANY, INC.(“GM Financial” or the “Company”) announced earnings of $59 million for the quarter ended December 31, 2014, compared to $121 million for the quarter ended December 31, 2013. Earnings for the year ended December 31, 2014 were $537 million, compared to $566 million for the year ended December 31, 2013. Earnings include $13 million and $42 million in pre-tax acquisition and integration expenses for the quarter and year ended December 31, 2013, respectively. Additionally, earnings for the quarter ending December 31, 2013 include $15 million in pre-tax charges associated with discontinuing the Chevrolet brand in Europe.

Consumer loan originations were $4.0 billion for the quarter ended December 31, 2014, compared to $4.1 billion for the quarter ended September 30, 2014, and $3.3 billion for the quarter ended December 31, 2013. Consumer loan originations for the year ended December 31, 2014 were $15.1 billion, compared to $9.6 billion for the year ended December 31, 2013. The outstanding balance of consumer finance receivables totaled $25.7 billion at December 31, 2014.

Operating lease originations of General Motors Company (“GM”) vehicles were $2.1 billion for the quarter ended December 31, 2014, compared to $1.8 billion for the quarter ended September 30, 2014, and $650 million for the quarter ended December 31, 2013. Operating lease originations for the year ended December 31, 2014 were $6.2 billion, compared to $2.8 billion for the year ended December 31, 2013. Leased vehicles, net totaled $7.1 billion at December 31, 2014.

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The outstanding balance of commercial finance receivables was $8.1 billion at December 31, 2014 compared to $7.2 billion at September 30, 2014 and $6.7 billion at December 31, 2013.

Consumer finance receivables 31-to-60 days delinquent were 4.2% of the portfolio at December 31, 2014, compared to 4.1% at December 31, 2013. Accounts more than 60 days delinquent were 1.7% of the portfolio at December 31, 2014 and 2013.

Annualized net credit losses were 2.2% of average consumer finance receivables for the quarter ended December 31, 2014 compared to 2.1% a year ago. For the year ended December 31, 2014 and 2013, annualized consumer net credit losses were 1.9%.

The Company had total available liquidity of $9.3 billion at December 31, 2014, consisting of $3.0 billion of unrestricted cash, $4.8 billion of borrowing capacity on unpledged eligible assets, $0.5 billion 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 Austria, Belgium, Chile, Colombia, Germany, Greece, Italy, Mexico, the Netherlands, Spain, Sweden, Switzerland, and the United Kingdom 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.

A 35% equity interest in SAIC-GMAC Automotive Finance Company Limited, a joint venture that conducts auto finance operations in China, was acquired on January 2, 2015.

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.

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Forward-Looking Statements

Except for the historical information contained herein, the matters discussed in this news release include forward-looking statements which 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. 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, 2014. Such risks include – but are not limited to – 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, Latin America and China; 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 charge-offs, delinquencies and prepayments on the loans and leases we originate; vehicle return rates and the residual value performance on vehicles we lease; the viability of GM-franchised dealers that are commercial loan customers; the prices at which used cars are sold in the wholesale markets; and changes in business strategy, including expansion of product lines and credit risk appetite, and acquisitions. If one or more of these risks or uncertainties materialize, 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. 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.

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General Motors Financial Company, Inc.

Consolidated Statements of Income

(Dollars in Millions)

	Three Months Ended				Year Ended
	December 31,				December 31,
	2014		2013		2014		2013
Revenue
Finance charge income	$	880	$	854	$	3,475	$	2,563
Leased vehicle income		355		180		1,090		595
Other income		70		67		289		186
		1,305		1,101		4,854		3,344
Costs and expenses
Operating expenses		316		268		1,162		770
Leased vehicle expenses		284		139		847		453
Provision for loan losses		196		164		604		475
Interest expense		389		307		1,426		721
Acquisition and integration expenses		—		13		—		42
		1,185		891		4,039		2,461
Income before income taxes		120		210		815		883
Income tax provision		61		89		278		317
Net income	$	59	$	121	$	537	$	566

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Consolidated Balance Sheets

(Dollars in Millions)

	December 31, 2014		December 31, 2013
Assets
Cash and cash equivalents	$	2,974	$	1,074
Finance receivables, net		33,000		29,282
Leased vehicles, net		7,060		3,383
Restricted cash		2,071		1,958
Goodwill		1,244		1,240
Property and equipment, net		172		132
Deferred income taxes		341		359
Related party receivables		384		129
Other assets		478		433
Total assets	$	47,724	$	37,990
Liabilities and Shareholder’s Equity
Liabilities
Secured debt	$	25,214	$	22,073
Unsecured debt		12,217		6,973
Accounts payable and accrued expenses		1,002		946
Deferred income		392		168
Deferred income taxes		20		87
Taxes payable		234		287
Related party taxes payable		636		643
Related party payables		433		368
Other liabilities		184		160
Total liabilities		40,332		31,705
Shareholder’s equity		7,392		6,285
Total liabilities and shareholder’s equity	$	47,724	$	37,990

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Operational and Financial Data

(Unaudited, Dollars in Millions)

	Three Months Ended
	December,
	2014									2013
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	1,934		$	2,022		$	3,956		$	1,146		$	2,121		$	3,267
GM lease originations	$	2,068		$	24		$	2,092		$	650		$	—		$	650
GM new vehicle loans and leases as a percent of total loan and lease originations		69.3	%		86.6	%		75.2	%		53.6	%		89.7	%		73.1	%
	Year Ended
	December 31,
	2014									2013
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	6,808		$	8,277		$	15,085		$	5,126		$	4,471		$	9,597
GM lease originations	$	6,132		$	37		$	6,169		$	2,830		$	—		$	2,830
GM new vehicle loans and leases as a percent of total loan and lease originations		64.8	%		87.3	%		73.6	%		55.0	%		87.4	%		66.7	%
	Three Months Ended
	December 31,
	2014									2013
	North America			International			Total			North America			International			Total
Average consumer finance receivables	$	13,038		$	12,515		$	25,553		$	11,496		$	11,432		$	22,928
Average commercial finance receivables		2,789			4,663			7,452			1,630			4,704			6,334
Average finance receivables		15,827			17,178			33,005			13,126			16,136			29,262
Average leased vehicles, net		6,385			21			6,406			3,237			2			3,239
Average earning assets	$	22,212		$	17,199		$	39,411		$	16,363		$	16,138		$	32,501

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	Year Ended
	December 31,
	2014									2013
	North America			International			Total			North America			International			Total
Average consumer finance receivables	$	12,205		$	12,568		$	24,773		$	11,335		$	6,459		$	17,794
Average commercial finance receivables		2,384			4,653			7,037			1,164			2,997			4,161
Average finance receivables		14,589			17,221			31,810			12,499			9,456			21,955
Average leased vehicles, net		4,867			7			4,874			2,599			3			2,602
Average earning assets	$	19,456		$	17,228		$	36,684		$	15,098		$	9,459		$	24,557
	December 31, 2014									December 31, 2013
	North America			International			Total			North America			International			Total
Consumer finance receivables	$	13,409		$	12,263		$	25,672		$	11,493		$	11,757		$	23,250
Commercial finance receivables		3,180			4,892			8,072			1,975			4,725			6,700
Leased vehicles		7,029			31			7,060			3,381			2			3,383
Ending Earning Assets	$	23,618		$	17,186		$	40,804		$	16,849		$	16,484		$	33,333
	December 31, 2014									December 31, 2013
	North America			International			Total			North America			International			Total
Consumer
Pre-acquisition consumer finance receivables - outstanding balance	$	361		$	147		$	508		$	931		$	363		$	1,294
Pre-acquisition consumer finance receivables - carrying value	$	313		$	146		$	459		$	826		$	348		$	1,174
Post-acquisition consumer finance receivables, net of fees		13,048			12,116			25,164			10,562			11,394			21,956
		13,361			12,262			25,623			11,388			11,742			23,130
Less: allowance for loan losses		(577	)		(78	)		(655	)		(468	)		(29	)		(497	)
Total consumer finance receivables, net		12,784			12,184			24,968			10,920			11,713			22,633
Commercial
Commercial finance receivables, net of fees		3,180			4,892			8,072			1,975			4,725			6,700
Less: allowance for loan losses		(21	)		(19	)		(40	)		(17	)		(34	)		(51	)
Total commercial finance receivables, net		3,159			4,873			8,032			1,958			4,691			6,649
Total finance receivables, net	$	15,943		$	17,057		$	33,000		$	12,878		$	16,404		$	29,282

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	December 31, 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	%		2.6	%		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	%
	December 31, 2014									December 31, 2013
	North America			International			Total			North America			International			Total
Loan delinquency as a percent of ending consumer finance receivables:
31 - 60 days		7.4	%		0.7	%		4.2	%		7.5	%		0.8	%		4.1	%
Greater than 60 days		2.5			0.8			1.7			2.5			1.0			1.7
Total		9.9	%		1.5	%		5.9	%		10.0	%		1.8	%		5.8	%

We analyze portfolio performance of both the pre- and post-acquisition finance receivables portfolios on a combined basis. This information allows us and investors the ability to analyze credit loss trends in the combined portfolio. Additionally, information on credit losses, on a combined basis, facilitates comparisons of current and historical results. The following is a reconciliation of charge-offs on the post-acquisition portfolio to credit losses on the combined portfolio.

	Three Months Ended December 31,
	2014							2013
	North America(a)		International			Total		North America(a)		International		Total
Charge-offs	$	233	$	36		$	269	$	183	$	36	$	219
Adjustments to reflect write-offs of the contractual amounts on the pre-acquisition portfolio		11		(1	)		10		31		4		35
Total credit losses	$	244	$	35		$	279	$	214	$	40	$	254
	Year Ended December 31,
	2014							2013
	North America(a)		International			Total		North America(a)		International		Total
Charge-offs	$	776	$	138		$	914	$	584	$	54	$	638
Adjustments to reflect write-offs of the contractual amounts on the pre-acquisition portfolio		63		6			69		154		13		167
Total credit losses	$	839	$	144		$	983	$	738	$	67	$	805

(a) Total credit losses in the North America Segment is comprised of the sum 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 December 31,
	2014									2013
	North America			International(a)			Total			North America			International(a)			Total
Repossession credit losses	$	237		$	35		$	272		$	201		$	40		$	241
Less: recoveries		(126	)		(11	)		(137	)		(114	)		(18	)		(132	)
Mandatory credit losses(b)		7			—			7			13			—			13
Net credit losses	$	118		$	24		$	142		$	100		$	22		$	122
Net annualized credit losses as a percentage of average consumer finance receivables(c):		3.6	%		0.8	%		2.2	%		3.5	%		0.8	%		2.1	%
Recoveries as a percentage of gross repossession credit losses:		53.1	%								56.7	%
	Year Ended December 31,
	2014									2013
	North America			International(a)			Total			North America			International(a)			Total
Repossession credit losses	$	812		$	144		$	956		$	720		$	67		$	787
Less: recoveries		(465	)		(56	)		(521	)		(427	)		(35	)		(462	)
Mandatory credit losses(b)		27			—			27			18			—			18
Net credit losses	$	374		$	88		$	462		$	311		$	32		$	343
Net annualized credit losses as a percentage of average consumer finance receivables(c):		3.1	%		0.7	%		1.9	%		2.7	%		0.5	%		1.9	%
Recoveries as a percentage of gross repossession credit losses:		57.3	%								59.3	%

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

(b) Mandatory credit losses represent accounts 120 days delinquent in the post-acquisition portfolio that are charged off in full, with no recovery amounts realized at time of charge-off, net of any subsequent recoveries as well as the net write-down of consumer finance receivables in repossession to the net realizable value of the repossessed vehicle when the repossessed vehicle is legally available for sale.

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

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	Three Months Ended December 31,
	2014									2013
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.7	%		3.8	%		3.2	%		2.8	%		3.8	%		3.3	%
	Year Ended December 31,
	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	%		2.9	%		3.5	%		3.1	%

(a) Excluding lease and acquisition and integration expenses.

Investor Relations contact:

Stephen Jones

(817) 302-7119

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