INVESTOR PRESENTATION FY 2015

Disclaimer

By opening this presentation and/or attending the meeting where this presentation is made, you agree to be bound by the following limitations.

This presentation is for information purposes only and does not constitute or form part of, and should not be construed as, any offer for sale or subscription of, orsolicitation of any offer to buy or subscribe for, any securities of FCA Bank S.p.A. or any of its subsidiaries (together, FCA Bank), nor should this presentation orany part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. If any offer for any such securities is made, it will bedone so pursuant to separate and distinct documentation in the form of a prospectus or offering circular and such other documentation as may be required for thepurposes of such an offer and any decision to purchase or subscribe for any securities pursuant to such offer should be made solely on the basis of suchprospectus, offering circular or other documentation and not this presentation. This presentation does not constitute a recommendation regarding any securities ofFCA Bank.

The information in this presentation is confidential and this document is being made available to selected recipients only and solely for the information of suchrecipients. This document may not be reproduced, redistributed or passed on to any other persons, in whole or in part. This presentation is not intended fordistribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

The information set out in this presentation may be subject to updating, revision, verification and amendment and such information may change materially. FCABank is under no obligation to update or keep current the information contained in this document and any opinion expressed herein is subject to change withoutnotice. None of FCA Bank S.p.A. nor any of its affiliates, advisers or representatives shall have any liability whatsoever (in negligence or otherwise) for any losswhatsoever arising from any use of this document or its contents, or otherwise arising in connection with this presentation.

This presentation and the information contained herein are not an offer of securities for sale in the United States and are not for publication or distribution topersons in the United States (within the meaning of Regulation S under the United States Securities Act of 1933, as amended (the Securities Act)).

This presentation is being communicated in the United Kingdom only to persons who have professional experience in matters relating to investments falling withinArticle 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the Order) and to persons to whom it may otherwise be lawful tocommunicate it to (all such persons being referred to as relevant persons). This presentation is only directed at relevant persons and any investment or investmentactivity to which the presentation relates is only available to relevant persons or will be engaged in only with relevant persons. Other persons should not rely or actupon this presentation or any of its contents.

This document is for distribution in Italy only to "qualified investors" (investitori qualificati), as defined pursuant to Article 100, paragraph 1(a), of Legislative Decreeno. 58 of 24 February 1998, as amended and restated from time to time (the Financial Services Act), and as defined in Article 34-ter, paragraph 1(b) of CONSOBRegulation no. 11971 of 14 May 1999, as amended and restated from time to time (the CONSOB Regulation), or in other circumstances provided under Article 100of the Financial Services Act and Article 34-ter, CONSOB Regulation, where exemptions from the requirement to publish a prospectus pursuant to Article 94 of theFinancial Services Act are provided.

These materials may contain projections and forward-looking statements. Forward-looking statements involve known and unknown risks, uncertainties and otherfactors which may cause FCA Bank's actual results, performance or achievements to be materially different from any future results, performance or achievementsexpressed or implied by such forward-looking statements. Any such forward-looking statements will be based on numerous assumptions regarding FCA Bank'spresent and future business strategies and the environment in which FCA Bank will operate in the future. Further, any forward-looking statements will be basedupon assumptions of future events which may not prove to be accurate. Any such forward-looking statements in these materials will speak only as at the date ofthese materials and FCA Bank assumes no obligation to update or provide any additional information in relation to such forward-looking statements.

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FCA Bank: a JV between Crédit Agricole and FCA

FCA Bank is one of the largest specialized car finance and lease companies operating in Europe, diversified across products, geographies and brands

50 / 50 Joint Venture between Fiat Chrysler Automobiles (FCA) and Crédit Agricole (CA), until December 2021 at least

FCA Bank is regulated as a bank by the Bank of Italy under the Italian Banking Act (formerly was regulated as a financial institution)

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FCA Bank – Overview

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BBB Long-term / F2 Short-term by FITCH (Positive Outlook)

Baa2 Long-term / P-2 Short-term by MOODY’S (Stable Outlook)

BB+ Long-term / B Short-term by STANDARD&POOR’S (Positive Outlook)

FCA BANK

RATINGS

FCA Bank business model combines the commercial effectiveness of the industrial partner,

with the risk discipline and the financial strength and support of the banking partner

FCA Bank provides retail, dealer and rental financial services in Europe to the brands of:

� FCA brands - Alfa Romeo, Chrysler, Fiat, Fiat Professional, Jeep, Lancia and Abarth

� Maserati

� Ferrari

� Jaguar and Land Rover

� Erwin Hymer Group (EHG)

FCA Bank Group – Business Overview

3 Business lines

12 Brands

27 Legal entities

1,946 Employees

17 Countries� Private customers

� Channel: Dealership

� Outstanding (avg.): 10.5 €/Bn

� 65% of avg. outstanding assets

� OEM Dealer Networks

� Outstanding (avg.): 4.2 €/Bn

� 26% of avg. outstanding assets

� Corporate customers

� Channel: Dealership/Direct

� Outstanding (avg.): 1.4 €/Bn

� 9% of avg. outstanding assets

Dealer Financing

Retail Financing

Rental

Multi-Brand and Multi-Business

Figures as at 31° December 2015

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Outstanding commercial performance, mainly in Retail and Dealer Financing business,with a managed portfolio equal to € 16.9 Bn at the end of the year

Net Banking Income significantly increasing compared to previous years

Cost of risk improving in all business lines

Net Profit reaching an unprecedented level of EUR 249 M

Stronger liquidity position enhanced by further diversification on secured and unsecuredcapital markets and extension of maturities

Cost of funding decreasing

Core Tier 1 set at 11,2% (Consolidated perimeter); Equity equal to € 2.09 Bn

FCA Bank Group – 2015 Highlights

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(€ and %)

Average Managed Outstanding

Net Banking Income /

Average Managed Outstanding

2009 2010 2011

Return on Assets

Net Profit

2012

15.5 Bn

3.71%

16.4 Bn

3.65%

15.8 Bn

3.86%

1.18% 1.30% 1.45%

14.9 Bn

4.08%

1.72%

105 M 147 M 153 M 167 M

2013

14.6 Bn

4.03%

1.70%

172 M

2014

14.7 Bn

3.84%

1.74%

182 M

CORE TIER 1 8.0% 8.8% 9.2% 10.6% 11.0% 11.7%

2008

15.5 Bn

3.46%

1.22%

137 M

8.2%

Performance Indicators

2007

14.6 Bn

3.53%

1.30%

119 M

7.2%

16.1 Bn

4.15%

2.25%

249 M

11.2%*

*Basel III Banking Group (effective 2015)

2015

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Note: Managed Portfolio figures are not of credit risk funds

2013

High quality of capital (common equity only)

FCA Bank subsidiaries not needing additional capital

FCA Bank regulated legal entities well above Minimum Capital Requirement "MCR

Capitalization Consolidated Perimeter

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119 137105

147 153 167 172 182

249

7.2%8.2% 8.0%

8.8%9.2%

10.6%11.0% 11.7% 11.2%

0

50

100

150

200

250

300

Avg. ManagedOutstanding (€/Bn)

2009

14.6

2010

15.5

2011

16.4

2012

15.8

2007 2008 2014

15.5 14.9 14.6

Core Tier 1

Net Profit (€/M)

2013

14.7

2015

16.1

JVA perimeter / Basel II Rules Basel III

Average Outstanding Overview /1

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14.615.5 15.1 15.1

13.912.6

11.7 12.013.5

0.41.3

1.9

2.32.9 2.7

2.6

2007 2008 2009 2010 2011 2012 2013 2014 2015

FCA & MASERATI JLR

~16%~ 84%

14.6

15.5

16.415.8

15.514.9 14.6 14.7

16.1

9.2 9.6 10.0 10.9 10.6 9.8 9.5 9.9 10.5

3.8 3.8 3.63.7 3.8

3.8 3.7 3.54.2

1.6 2.1 1.91.7 1.5

1.3 1.3 1.31.4

2007 2008 2009 2010 2011 2012 2013 2014 2015

Rental

Dealer Financing

Retail

Overview per Business Line (€/Bn)

Overview by Market and Business Line (€/Bn) *

14.615.5 16.4 15.815.5 14.9 14.6 14.7

Average Outstanding Overview /2

16.1

Italy Germany UK France Spain

Retail

Dealer

Rental

Italy42%

Germany19%

UK16%

France8%

Spain4%

Others11%

2015

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* Figures as at 31st December 2015

517 536576 596 609 608 587 566

667

3.53% 3.46%3.71% 3.65%

3.86%4.08% 4.03%

3.84%4.15%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

0

100

200

300

400

500

600

700

800

2007 2008 2009 2010 2011 2012 2013 2014 2015

Net Banking Income NBI / Average Outstanding

119137

105

147 153167 172 182

249

0.81% 0.88%0.67%

0.90% 0.97%1.12% 1.18% 1.24%

1.55%

0.50%

1.00%

1.50%

2.00%

2.50%

0

50

100

150

200

250

300

2007 2008 2009 2010 2011 2012 2013 2014 2015

Net Profit Net Profit / Average Outstanding

46.5%

42.8%40.6% 40.0% 38.8% 38.6% 39.4% 40.1%

35.4%

0.007

0.009

0.011

0.013

0.015

0.017

0.019

0.021

0.023

0.025

0

0

0

0

0

0

0

2007 2008 2009 2010 2011 2012 2013 2014 2015

Net Profit (€/M) & Percentage on Average Outstanding

Net Banking Income (€/M) & Percentage on

Average OutstandingCost / Income Ratio (%)

Key Financial Indicators

Pre-Tax Income (€/M) & Percentage on Average

Outstanding

190 189 184213 229

257 248257

359

1,3% 1,2% 1,2%1,3% 1,4%

1,7% 1,7% 1,7%

2,4%

0.5%

1.0%

1.5%

2.0%

2.5%

0

50

100

150

200

250

300

350

400

2007 2008 2009 2010 2011 2012 2013 2014 2015

Pre-Tax Income Pre-Tax Income / Average Outstanding

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Cost of Risk (€/M) & Ratio(%) on Average Outstanding

Credit Risk Performance

Cost of Risk performance continuing to improve, in line with economic recovery

87

117

145 145 144

116109

83

70

0.60%0.76%

0.93% 0.89% 0.91%0.78% 0.75%

0.57%

0.44%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

0

20

40

60

80

100

120

140

160

2007 2008 2009 2010 2011 2012 2013 2014 2015

Cost of Risk (€/M) Annualized Cost of Risk (%)

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Funding Sources Evolution

(€/M)

5,2

6,4 8,4 8,0 7,1

5,2 5,1 4,1

2,7

0,5 0,5 0,5

1,5 2,3

3,1

5,1

1,0

4,8

3,9 3,5

3,2 3,1 3,0

2,4 2,7 4,1

4,3 3,5 3,0 3,5 3,8 3,3

4,1 3,8 3,1

0

2

4

6

8

10

12

14

16

18

2007 2008 2009 2010 2011 2012 2013 2014 2015

Bonds

CA Group

ECB

Banks

Securitizations

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Contacts

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