PSA - 2019 Universal Registration Document

ANALYSIS OF THE BUSINESS AND GROUP OPERATING RESULTS IN 2019 AND OUTLOOK Analysis of consolidated interim operating results

Banque PSA Finance 4.1.5.

The results(at 100%)of finance companies are thefollowing:

31 December 2018 31 December 2019

Change

(in million euros)

Revenue

1,989 0.13%

2,163 0.21% 1,012 29.7%

174

Cost of risk*

+0.08pt

Adjusted operating income

939

73

Penetration rate

29.1%

+0.6pt +61,920

Number of new contracts (leasing and financing)

1,088,212

1,150,132

As a percentage of net average net outstandings. *

Faurecia* 4.1.6.

The resultsof Faurecia are the following:

31 December 2018 31 December 2019

Change

(in million euros)

Revenue

17,525 1,263

17,768 1,227

243 (36)

Adjusted operating income

As a% of revenue

7.2% 1,115 (163)

6.9% 1,013 (219)

Operating income (loss)

(102)

Net financial income (expense)

(56)

Consolidated profit (loss) for the period

793 403

665

(128) (923)

Free cash flow**

(520)

Net financial position**

(545)

(2,692)

(2,147)

Including Clarion consolidated in 2019. * After IFRS 16 effect and including Clarion consolidated. **

MoredetailedinformationaboutFaurecia isprovidedin its annual reportwhich canbe downloaded from www.faurecia.com.

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