Groupe Renault - 2019 Universal Registration Document

01

RISK FACTORS GROUPE RENAULT

latest estimates of outstanding loans and the refinancing operations performed. Laws relating to the outflow of deposits are subject to conservative assumptions. The Group has a framework of indicators and limits for its liquidity risk.

Management procedures and principles RCI Banque must always have sufficient financial resources to ensure the long-term future of its business and development. The coordination of RCI Banque’s liquidity risk is based on several indicators or analyses, which are updated monthly based on the

RCI BANQUE GROUP LIQUIDITY POSITION* At 12/31/2019

(€ million)

70,000

60,000

50,000

40,000

30,000

20,000

10,000

0

01/01/20

12/01/19

02/01/20

03/01/20

05/01/20

04/01/20

06/01/20

08/01/20

07/01/20

09/01/20

11/01/20

01/01/21

10/01/20

12/01/20

02/01/21

04/01/21

06/01/21

08/01/21

03/01/21

05/01/21

07/01/21

09/01/21

11/01/21

10/01/21

12/01/21

02/01/22

01/01/22

Static assets

Static liabilities

Static liabilities + available liquidity

Static assets: assets runoff over time assuming no renewal. Static liabilities: liabilities runoff over time assuming no renewal.

*Europe scope

SCHEDULE FOR BOND ISSUES AT DECEMBER 31, 2019 (€ million)

RCI BANQUE GROUP LIQUIDITY RESERVE* (€ million)

1600

10,962

1,000 1,500 2,000 2,500 3,000 3,500 4,000

1200

10,192

3,510 3,586

428

9,562

408

8,902

2,246

800

502

2,900

8,368

1,770

193

306

2,159

400

2,205

1,335

2,117

3,849

0

3,580

1,750

2,446

2,627

2,404

1,400

1,150

850

4,455

4,438

4,100

4,434

4,100

2023 2024 2025 2026 2020 2021 2022 ... 0 500

2030

2019

2015

2016

2017

2018

Total outstandings

Committed credit lines Liquid assets (HQLA)

Short-term financial assets (excluding HQLA) ECB-eligible assets

112 GROUPE RENAULT I UNIVERSAL REGISTRATION DOCUMENT 2019

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