Groupe Renault - 2019 Universal Registration Document

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OVERVIEW OF RENAULT AND THE GROUP GROUPE RENAULT

Sales financing 1.1.5

Savings bank activity: a pillar of

RCI Bank and Services offers financial solutions to facilitate access to automotive mobility for Alliance customers. Taking into account each brand’s specific characteristics and anticipating new needs and uses of their customers, RCI Bank and Services supports their marketing policies and works with them to win new customers and build loyalty. RCI Bank and Services brings together three worlds: automotive, through its historic activity, banking, through its business line, and services, through its offers. Every day in 36 countries around the world, RCI Bank and Services supports the development of the Alliance’s brands and their distribution networks, by offering their customers a comprehensive range of financing products, insurance and services. customer For Private customers, we propose offers for financing and services that are appropriate for their projects and their usage patterns, to facilitate and enhance their driving experience throughout their entire automotive mobility adventure. Our solutions and services are for both new and used vehicles. For Professional customers, we provide a diverse range of mobility solutions to free them from the restrictions relating to managing their fleet of vehicles and enable them to concentrate on their core business. For the Alliance brand networks , we provide active support by financing inventory (new and second-hand vehicles and spare parts), as well as short-term cash requirements. Customized offers for each of type of 1.1.5.1

1.1.5.2

corporate refinancing The Savings business was launched in 2012 and now operates in five markets, namely France, Germany, Austria, the United Kingdom and Brazil. Savings deposits are a key instrument in the diversification of the Group’s sources of refinancing for its operations. Deposits collected came to €17.7 billion, or approximately 35% of net assets at the end of (1) December 2018. countries Our employees operate in 36 countries in five major Regions of the world: Europe; Americas; the AMIP region (Africa Middle East India and Pacific); Eurasia; China. Business activity RCI Bank and Services saw a further increase in its sales performance in 2019 and continues to implement its ambitions. This makes RCI Bank and Services a reliable strategic partner of the Alliance brands. RCI Bank and Services achieved good commercial performance with 1,798,432 contracts financed in 2019, despite a shrinking global automotive market, generating €21.4 billion in new financing, up 2.3% compared to last year. The Group’s vehicle financing penetration rate stands at 42.2%, up 1.5 points compared to the same period of the previous year. Excluding Turkey, Russia and India (companies consolidated by the equity method), this rate came to 44.2%, versus 42.9% in 2018. UV Financing activity continued to grow, with 368,409 applications funded, an increase of 3.7% compared to 2018. Average performing assets (APA)(1) now stand at €47.4 billion, an increase of 6.3% compared to 2018. Of this amount, €37.2 billion was directly related to the Customers business, up 9.4%. 3,700 employees active in 36 1.1.5.3

Net assets at year-end: total net outstandings at year-end + operational leasing operations net of depreciation, amortization and (1) provisions.

48 GROUPE RENAULT I UNIVERSAL REGISTRATION DOCUMENT 2019

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