General Motors Financial (ACF) 8-K GM Financial Reports June Quarter 2015 Operating Results

Exhibit 99.1

GM FINANCIAL REPORTS JUNE QUARTER 2015 OPERATING RESULTS

• June quarter net income of $186 million

• Consumer loan and lease originations of $9.9 billion

• Annualized net credit losses of 1.6% on average consumer finance receivables

• End of period earning assets of $48.0 billion

FORT WORTH, TEXASJuly 23, 2015 –GENERAL MOTORS FINANCIAL COMPANY, INC.(“GM Financial” or the “Company”) announced net income of $186 million for the quarter ended June 30, 2015, compared to $175 million for the quarter ended June 30, 2014. Earnings for the six months ended June 30, 2015 were $336 million, compared to $320 million for the six months ended June 30, 2014.

Consumer loan originations were $4.3 billion for the quarter ended June 30, 2015, compared to $4.1 billion for the quarter ended March 31, 2015, and $3.6 billion for the quarter ended June 30, 2014. Consumer loan originations for the six months ended June 30, 2015 were $8.4 billion, compared to $7.0 billion for the six months ended June 30, 2014. The outstanding balance of consumer finance receivables was $27.3 billion at June 30, 2015.

Operating lease originations of General Motors Company (“GM”) vehicles were $5.6 billion for the quarter ended June 30, 2015, compared to $3.0 billion for the quarter ended March 31, 2015, and $1.5 billion for the quarter ended June 30, 2014. Operating lease originations for the six months ended June 30, 2015 were $8.6 billion, compared to $2.3 billion for the six months ended June 30, 2014. Leased vehicles, net was $12.9 billion at June 30, 2015.

The outstanding balance of commercial finance receivables was $7.8 billion at June 30, 2015 compared to $7.6 billion at March 31, 2015 and $7.1 billion at June 30, 2014.

Consumer finance receivables 31-to-60 days delinquent were 3.6% of the portfolio at June 30, 2015, compared to 3.5% at June 30, 2014. Accounts more than 60 days delinquent were 1.6% of the portfolio at June 30, 2015 and June 30, 2014.

Annualized net credit losses were 1.6% of average consumer finance receivables for the quarter ended June 30, 2015 and 1.4% for the quarter ended June 30, 2014. For the six months ended June 30, 2015, annualized consumer net credit losses were 1.7%, compared to 1.6% for the six months ended June 30, 2014.

The Company had total available liquidity of $12.9 billion at June 30, 2015, consisting of $2.1 billion of unrestricted cash, $9.2 billion of borrowing capacity on unpledged eligible assets, $0.6 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.

On January 2, 2015, the Company completed the acquisition of Ally Financial Inc.’s 40% equity interest in SAIC-GMAC Automotive Finance Company Limited (“SAIC-GMAC”). Also on January 2, 2015, the Company sold a 5% equity interest in SAIC-GMAC to Shanghai Automotive Group Finance Company Ltd. As a result of these transactions, the Company owns a 35% equity interest in SAIC-GMAC. Income from our equity investment in SAIC-GMAC is included in our results beginning 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.

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

(Unaudited, in millions)

	Three Months Ended June 30,				Six Months Ended June 30,
	2015		2014		2015		2014
Revenue
Finance charge income	$	848	$	882	$	1,702	$	1,712
Leasing income		599		238		1,030		438
Other income		68		71		137		138
		1,515		1,191		2,869		2,288
Costs and expenses
Operating expenses		319		280		625		549
Leased vehicles expenses		467		179		794		335
Provision for loan losses		141		113		296		248
Interest expense		391		354		771		669
		1,318		926		2,486		1,801
Equity income		28		—		56		—
Income before income taxes		225		265		439		487
Income tax provision		39		90		103		167
Net income	$	186	$	175	$	336	$	320

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Consolidated Balance Sheets

(Unaudited, in millions)

	June 30, 2015		December 31, 2014
Assets
Cash and cash equivalents	$	2,070	$	2,974
Finance receivables, net		34,385		33,000
Leased vehicles, net		12,904		7,060
Restricted cash		1,856		2,071
Goodwill		1,243		1,244
Equity in net assets of non-consolidated affiliates		978		—
Property and equipment, net of accumulated depreciation		202		172
Deferred income taxes		283		341
Related party receivables		588		384
Other assets		821		478
Total assets	$	55,330	$	47,724
Liabilities and Shareholder’s Equity
Liabilities
Secured debt	$	26,617	$	25,214
Unsecured debt		17,713		12,217
Accounts payable and accrued expenses		1,138		1,002
Deferred income		844		392
Deferred income taxes		70		20
Related party taxes payable		636		636
Related party payables		429		433
Other liabilities		380		418
Total liabilities		47,827		40,332
Shareholder’s equity		7,503		7,392
Total liabilities and shareholder’s equity	$	55,330	$	47,724

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Operational and Financial Data

(Unaudited, in millions)

	Three Months Ended June 30,
	2015									2014
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	2,642		$	1,646		$	4,288		$	1,553		$	2,080		$	3,633
GM lease originations	$	5,587		$	20		$	5,607		$	1,549		$	—		$	1,549
GM new vehicle loans and leases as a percent of total loan and lease originations		83.5	%		84.2	%		83.6	%		66.3	%		87.1	%		74.6	%
	Six Months Ended June 30,
	2015									2014
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	4,915		$	3,451		$	8,366		$	2,917		$	4,128		$	7,045
GM lease originations	$	8,594		$	37		$	8,631		$	2,322		$	—		$	2,322
GM new vehicle loans and leases as a percent of total loan and lease originations		79.7	%		84.9	%		80.8	%		60.8	%		87.6	%		72.6	%
	Three Months Ended June 30,
	2015									2014
	North America			International			Total			North America			International			Total
Average consumer finance receivables	$	14,927		$	11,666		$	26,593		$	11,847		$	12,827		$	24,674
Average commercial finance receivables		3,359			4,301			7,660			2,287			4,755			7,042
Average finance receivables		18,286			15,967			34,253			14,134			17,582			31,716
Average leased vehicles, net		10,826			50			10,876			4,169			1			4,170
Average earning assets	$	29,112		$	16,017		$	45,129		$	18,303		$	17,583		$	35,886
	Six Months Ended June 30,
	2015									2014
	North America			International			Total			North America			International			Total
Average consumer finance receivables	$	14,396		$	11,822		$	26,218		$	11,691		$	12,406		$	24,097
Average commercial finance receivables		3,248			4,406			7,654			2,158			4,715			6,873
Average finance receivables		17,644			16,228			33,872			13,849			17,121			30,970
Average leased vehicles, net		9,387			43			9,430			3,867			2			3,869
Average earning assets	$	27,031		$	16,271		$	43,302		$	17,716		$	17,123		$	34,839

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	June 30, 2015									June 30, 2014
	North America			International			Total			North America			International			Total
Consumer finance receivables	$	15,490		$	11,840		$	27,330		$	11,978		$	13,152		$	25,130
Commercial finance receivables		3,515			4,300			7,815			2,373			4,741			7,114
Leased vehicles		12,846			58			12,904			4,747			1			4,748
Ending earning assets	$	31,851		$	16,198		$	48,049		$	19,098		$	17,894		$	36,992
	June 30, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Consumer
Consumer finance receivables, net of fees(a)	$	15,490		$	11,840		$	27,330		$	13,361		$	12,262		$	25,623
Less: allowance for loan losses		(627	)		(94	)		(721	)		(577	)		(78	)		(655	)
Total consumer finance receivables, net		14,863			11,746			26,609			12,784			12,184			24,968
Commercial
Commercial finance receivables, net of fees		3,515			4,300			7,815			3,180			4,892			8,072
Less: allowance for loan losses		(22	)		(17	)		(39	)		(21	)		(19	)		(40	)
Total commercial finance receivables, net		3,493			4,283			7,776			3,159			4,873			8,032
Total finance receivables, net	$	18,356		$	16,029		$	34,385		$	15,943		$	17,057		$	33,000

(a) Amounts reported for International include $1.1 billion and $1.0 billion of direct-financing leases at June 30, 2015 and December 31, 2014.

	June 30, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Allowance for loan losses as a percentage of consumer finance receivables, net of fees		4.0	%		0.8	%		2.6	%		4.4	%		0.6	%		2.6	%
Allowance for loan losses as a percentage of commercial finance receivables, net of fees		0.6	%		0.4	%		0.5	%		0.7	%		0.4	%		0.5	%
	June 30, 2015									June 30, 2014
	North America			International			Total			North America			International			Total
Loan delinquency as a percent of ending consumer finance receivables:
31 - 60 days		5.9	%		1.1	%		3.6	%		6.3	%		1.0	%		3.5	%
Greater than 60 days		2.1	%		1.0	%		1.6	%		2.1	%		1.0	%		1.6	%
Total		8.0	%		2.1	%		5.2	%		8.4	%		2.0	%		5.1	%

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	Three Months Ended June 30,
	2015									2014
	North America			International(a)			Total			North America			International(a)			Total
Charge-offs	$	188		$	32		$	220		$	157		$	34		$	191
Adjustments to reflect write-offs of the contractual amounts on the pre-acquisition portfolio		4			—			4			15			2			17
Credit Losses	$	192		$	32		$	224		$	172		$	36		$	208
Less: recoveries		(106	)		(11	)		(117	)		(105	)		(16	)		(121	)
Net credit losses	$	86		$	21		$	107		$	67		$	20		$	87
Net annualized credit losses as a percent of average consumer finance receivables:		2.3	%		0.7	%		1.6	%		2.3	%		0.6	%		1.4	%
Recoveries as a percentage of gross repossession credit losses:		58.8	%								61.5	%

(a) Credit losses for the International Segment represent the write-down of defaulted receivables to net realizable value.

	Six Months Ended June 30,
	2015									2014
	North America			International(a)			Total			North America			International(a)			Total
Charge-offs	$	388		$	66		$	454		$	349		$	66		$	415
Adjustments to reflect write-offs of the contractual amounts on the pre-acquisition portfolio		11			1			12			39			5			44
Credit Losses	$	399		$	67		$	466		$	388		$	71		$	459
Less: recoveries		(225	)		(23	)		(248	)		(233	)		(33	)		(266	)
Net credit losses	$	174		$	44		$	218			155		$	38		$	193
Net annualized credit losses as a percent of average consumer finance receivables:		2.5	%		0.8	%		1.7	%		2.7	%		0.6	%		1.6	%
Recoveries as a percentage of gross repossession credit losses:		58.2	%								60.1	%

(a) Credit losses for the International Segment represent the write-down of defaulted receivables to net realizable value.

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	Three Months Ended June 30,
	2015									2014
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.5	%		3.4	%		2.8	%		2.9	%		3.4	%		3.1	%

	Six Months Ended June 30,
	2015									2014
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.6	%		3.5	%		2.9	%		2.9	%		3.5	%		3.2	%

(a) Excluding leased vehicle expenses.

Investor Relations contact:

Stephen Jones

(817) 302-7119

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