FINANCIAL INSTITUTIONS

ISSUER PROFILE14 May 2018

TABLE OF CONTENTSCompany overview 1Financial highlights 2Business description 2Distribution channels 3Ownership structure 3Subsidiaries 6Company management 6Company history 7Peer group 8Related websites and informationsources 8Moody’s related research 8

CLIENT SERVICES

Americas 1-212-553-1653

Asia Pacific 852-3551-3077

Japan 81-3-5408-4100

EMEA 44-20-7772-5454

FCA Bank S.p.A.Key Facts and Statistics - FYE December 2017

Company overviewFCA Bank S.p.A. (FCA Bank), formerly known as FGA Capital S.p.A. (FGA Capital), is acaptive bank that supports vehicle sales in selected European countries and Morocco by itsmanufacturer shareholder Fiat Chrysler Automobile N.V. (FCA), through its brands Fiat, AlfaRomeo, Lancia, Fiat Professional, Chrysler, Jeep, Abarth and Maserati, and by the non-FCAbrands Jaguar, Ferrari, Erwin Hymer Group, Land Rover and Aston Martin.

FCA Bank operates in 17 European countries and Morocco, either directly or through itsvarious subsidiaries. The company provides services mainly through the dealership networksof the respective manufacturers. As of 31 December 2017, it reported a consolidated assetbase of €27.2 billion.

FCA Bank was established as FGA Capital in December 2006, when the former Fidis RetailItalia S.p.A. acquired the car dealership finance and long-term rental companies ultimatelyowned by the automotive manufacturer Fiat S.p.A. (Fiat), now FCA. In January 2015, FGACapital obtained its banking licence and was renamed FCA Bank. The company is a 50:50joint venture between Credit Agricole Consumer Finance S.A., a Credit Agricole S.A. (CASA)group company, and FCA Italy S.p.A., an FCA group company.

Source: Company report (consolidated financial statements December 2017), Company data, www.fcagroup.com,www.creditagricole.fr, Moody’s research

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Financial highlightsOverviewNote: The financials presented below are those reported by the entity and are not adjusted for Moody’s analytic purposes. For Moody’sgenerated ratios on FCA Bank S.p.A., please see FCA Bank S.p.A.

Exhibit 1

Latest full-year resultsFCA Bank S.p.A.

(in € Million) 31-Dec-17 31-Dec-16 31-Dec-15 % Change 17/16 % Change 16/15

Total Assets 27,187 23,284 19,509 16.76 19.35

Total Shareholders’ Equity 2,512 2,238 2,098 12.27 6.68

Shareholders’ Equity excluding Minority Interest 2,469 2,199 2,081 12.27 5.70

Total Capital 2,712 2,049 1,706 32.39 20.10

Tier 1 Ratio (%) 12.00 11.32 10.45 68 bps 87 bps

Net Income 383 312 249 22.78 25.08

Net Income Attributable to Equity Holders 378 309 248 22.20 24.78

Notes: 1) Based on consolidated financial data; 2) Figures for 31-Dec-2016 were restated in 2017.Source: Moody's research

Business descriptionFCA Bank operates through three business lines: Dealer Financing; Retail Financing; and Long-Term Rental. As of 31 December 2017, thecompany’s largest business line was Retail Financing, which accounted for 62.9% of its average portfolio.

Dealer Financing: this business line manages all financial requirements connected with dealership transactions and administration. Itsservices primarily include financing for new and used vehicle stock, spare parts, workshop equipments, working capital, and medium-and long-term financing. As of 31 December 2017, this business line accounted for 28.3% of the company’s average portfolio.

Retail Financing: this business line provides a range of flexible and customised solutions, including hire purchase, leasing and personalcontract purchases, credit protection, glass branding, and fire and theft insurance. As of 31 December 2017, it accounted for 62.9% ofthe company’s average portfolio.

Long-Term Rental: this business line provides flexible and customised long-term rental solutions, and fleet management services toindividuals and small, medium-sized and large companies. As of 31 December 2017, it accounted for 8.8% of the company’s averageportfolio.

Source: Company report (consolidated financial statements December 2017), Company data

This publication does not announce a credit rating action. For any credit ratings referenced in this publication, please see the ratings tab on the issuer/entity page onwww.moodys.com for the most updated credit rating action information and rating history.

2 14 May 2018 FCA Bank S.p.A.: Key Facts and Statistics - FYE December 2017

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Exhibit 2

Average portfolio by business line(%, consolidated, as of 31 December 2017)

Retail Financing62.9%

Dealer Financing28.3%

Long-Term Rental8.8%

Source: Company report (consolidated financial statements December 2017, Page 55)

Distribution channelsFCA Bank operates either directly or through various subsidiaries in 17 European countries (Austria, Belgium, Denmark, France,Germany, Greece, Italy, Finland, Ireland, the Netherlands, Poland, Portugal, Spain, Switzerland, Sweden, Norway and the UK), andMorocco.

The company provides its services primarily through the dealership networks of the respective manufacturers, as well as throughinternet-based point-of-sale systems.

Source: Company report (consolidated financial statements December 2017), Moody’s research

Ownership structure

Exhibit 3

Shareholder structure as of 31 December 2017

Source: Company report (consolidated financial statements December 2017)

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FCA Bank is a 50:50 joint venture between the Credit Agricole Consumer Finance S.A., a Credit Agricole S.A. (CASA) group company,and FCA Italy S.p.A., an FCA group company. As of 31 December 2017, FCA Bank had 700 million shares outstanding.

Source: Company report (consolidated financial statements December 2017), Company data

Exhibit 4

Group structure, as of 31 January 2018

Note: FCA Bank S.p.A. holds 50% + 1 share; Ferrari Financial Services S.p.A. holds other shares.Source: Company data

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Exhibit 5

Organisational Chart as of 10 April 2018

Source: Company data

5 14 May 2018 FCA Bank S.p.A.: Key Facts and Statistics - FYE December 2017

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SubsidiariesAs of 31 December 2017, FCA Bank’s subsidiaries were as follows:

Exhibit 6

FCA Bank S.p.A.Company Registered office % of ParticipationLeasys S.p.A Turin - Italy 100.00FCA Capital France S.A. Trappes - France 100.00Leasys France S.A.S. Trappes - France 100.00FCA Leasing France SNC Trappes - France 99.99FCA Bank Deutschland GmbH Heilbronn - Germany 100.00FCA Automotive Services UK Ltd Slough - UK 100.00FCA Dealer Services UK Ltd Slough - UK 100.00Leasys UK Ltd Slough - UK 100.00FCA Capital Espaňa EFC S.A. Alcala de Henares - Spain 100.00FCA Dealer Services Espaňa S.A. Alcala de Henares - Spain 100.00FCA Capital Portugal IFIC S.A. Lisbon - Portugal 100.00FCA Dealer Services Portugal SA. Lisbon - Portugal 100.00FCA Capital Suisse S.A. Schlieren - Switzereland 100.00FCA Leasing Polska Sp. Zo.o. Warsaw - Poland 100.00FCA-Group Bank Polska S.A. Warsaw - Poland 100.00FCA Capital Netherlands B.V. Lijnden - Netherlands 100.00FCA Capital Danmark A/S Glostrup - Denmark 100.00FCA Capital Belgium S.A. Auderghem - Belgium 99.99FCA Bank GmbH Vienna - Austria 50.00Ferrari Financial Services GmbH Pullach - Munchen 50.00FCA Leasing GmbH Vienna - Austria 100.00FCA Capital Hellas S.A. Athens - Greece 99.99FCA Insurance Hellas S.A. Athens - Greece 99.99FCA Capital RE DAC Dublin - Ireland 100.00FCA Capital Sverige AB Sweden 100.00FCA Capital Norge AS Norway 100.00

Source: Company report (annual report December 2017)

Company management

Exhibit 7

FCA Bank S.p.A.Board of Directors Affiliation AgePhilippe Dumont FCA Bank: Chairman;

Agos Ducato S.p.A.: Chairman;Crédit Agricole S.A. for Specialized Financial Services: Deputy Managing Director;CA Consumer Finance S.A.: Chief Executive Officer;Crédit Agricole: Member of the Comité Executif and of the Comité de Direction

57

Giacomo Carelli FCA Bank: Chief Executive Officer and General Manager 45Alfredo Altavilla FCA Bank: Non-Executive Director;

Fiat Chrysler Automobiles Group: Chief Operating Officer Europe, Africa and Middle East andExecutive Vice President, Business Development

54

Paola De Vincentiis FCA Bank: Independent Non-Executive Director;University of Torino: Professor of Banking and Finance

45

Andrea Faina FCA Bank: Non-Executive Director;Fiat Chrysler Automobiles: Head of Group Financial Services;Fidis S.p.A.: Chief Executive Officer and General Manager

55

Andrea Giorio FCA Bank: Independent Non-Executive Director;AUXE Partners s.r.l. – Risk & Capital Management Advisory: Managing Director

53

Giampiero Maioli FCA Bank: Non-Executive Director;Cariparma S.p.A.: Chief Executive Officer and General Manager;Crédit Agricole Group: Senior Country Officer for Italy and Member of the Comité Executif

61

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Bernard Manuelli FCA Bank: Non-Executive Director;CA Consumer Finance S.A.: Head of International Automotive Partnership

61

Richard Keith Palmer FCA Bank: Non-Executive Director;Fiat Chrysler Automobiles Group: Chief Financial Officer

51

Valerie Wanquet FCA Bank:Non-Executive Director;CA Consumer Finance S.A.: Group Chief Financial Officer, and Member of the Group ExecutiveCommittee

51

As of 31 December 2017Source: Company data

Company historyFCA Bank originated as FGA Capital (formerly Fiat Group Automobiles Financial Services S.p.A. and Fidis Retail Italia S.p.A.). FGACapital was established in December 2006 as a 50:50 joint venture between CASA, a French global bank, and Fiat, an automotive-specialised industrial group. FGA Capital was created when the former Fidis Retail Italia S.p.A. acquired the dealership financing andlong-term rental companies of Fiat Group Automobiles S.p.A. On 30 July 2013, CASA and Fiat agreed to extend their FCA Bank(formerly FGA Capital) joint venture agreement (JVA) to December 2021, from the original date of December 2014. Subsequently theparties agreed to further extend the JVA to 31 December 2022.

In July 2008, FGA Capital signed a cooperation agreement with Jaguar and Land Rover to provide retail and dealer financing andlong-term rental services in certain European countries. Subsequently, FGA Capital took over all the financing activities, including theretail financing, dealer financing and long-term rental services, of Jaguar and Land Rover. The cooperation agreement was renewed inFebruary 2018, pursuant to which FGA Capital (now FCA Bank) provides financial services in eight European countries.

In January 2009, the company was renamed FGA Capital.

In June 2009, the Fiat and the Chrysler Group finalised a strategic global alliance, which resulted in Fiat acquiring a 20% stake inChrysler Group. Subsequently, in October 2009, FGA Capital started taking on the Chrysler Group’s financing activities, covering retailauto financing and dealer financing in select European countries. In January 2014, Fiat acquired the remaining equity stake in ChryslerGroup. Subsequently, the new entity was named FCA.

In December 2013, Maserati S.p.A. and FGA Capital signed a cooperation agreement in the field of car financing concerning all ofMaserati’s financing activities for its distribution network, end customers and rental fleets, which will be effective in the countries inwhich FGA Capital Group operates.

In January 2015, FGA Capital obtained its banking licence and was renamed FCA Bank S.p.A..

In July 2015, FCA Bank and the Erwin Hymer Group (EHG) (Germany) created Erwin Hymer Group Finance to provide financialservices to EHG’s dealer network and retail buyers. In the same year, FCA Bank also signed a partnership agreement with Ferrari for thedistribution of retail and wholesale products.

In November 2016 FCA Bank acquired a majority stake in Ferrari Financial Services GmbH for a total purchase price of €18.6 million.

In January 2017, FCA Capital Ireland Plc merged into FCA Bank.

In April 2018, FCA Bank and Aston Martin announced the establishment of a strategic partnership to provide financial services toEuropean Aston Martin dealers.

Source: Company reports (consolidated financial statements 2017, 2016, 2015, 2014, 2013, 2012 and 2010), Company data, www.fcabankgroup.com, www.fcagroup.com, www.credit-agricole.fr,Moody’s research

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Peer group

» RCI Banque

» Volkswagen Bank GmbH

Related websites and information sourcesFor additional information, please see:

The company’s website

» FCA Bank Group

MOODY’S has provided links or references to third party World Wide Websites or URLs (“Links or References”) solely for your convenience in locating related information and services. Thewebsites reached through these Links or References have not necessarily been reviewed by MOODY’S, and are maintained by a third party over which MOODY’S exercises no control. Accordingly,MOODY’S expressly disclaims any responsibility or liability for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on any third party website accessed via a Link or Reference. Moreover, a Link or Reference does not imply an endorsement of any third party, any website, or the products or services provided by any third party.

Moody’s related researchIssuer page on Moodys.com

» FCA Bank S.p.A.

Credit opinion

» FCA Bank S.p.A. - Update to credit analysis (March 2018)

» RCI Banque - Update following the change of outlook to positive (February 2018)

» Volkswagen Bank GmbH - Update following outlook change to stable (April 2018)

Banking System Outlook

» Italy - Negative outlook reflects continued balance sheet fragility (October 2017)

Rating methodology

» Banks (April 2018)

To access any of these reports, click on the entry above. Note that these references are current as of the date of publication of this report and that more recent reports may be available on theissuer’s page . All research may not be available to all clients.

8 14 May 2018 FCA Bank S.p.A.: Key Facts and Statistics - FYE December 2017

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9 14 May 2018 FCA Bank S.p.A.: Key Facts and Statistics - FYE December 2017

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CLIENT SERVICES

Americas 1-212-553-1653

Asia Pacific 852-3551-3077

Japan 81-3-5408-4100

EMEA 44-20-7772-5454

10 14 May 2018 FCA Bank S.p.A.: Key Facts and Statistics - FYE December 2017