INVESTOR PRESENTATION

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This presentation is solely for use at a meeting where this presentation is to be held. It 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, or solicitation 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 or any 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 be done 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 the purposes 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 such prospectus, offering circular or other documentation and not this presentation. This presentation may be amended and supplemented, but may not be relied upon for the purposes of entering into any transaction. This presentation is strictly confidential, is being distributed to a limited range of persons solely for their own information and may not (i) be distributed to the media or disclosed to any other person in any jurisdiction, nor (ii) be reproduced in any form, in whole or in part, without the prior written consent of FCA Bank. This presentation does not constitute a recommendation regarding any securities of FCA Bank.

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The information set out in this presentation may be subject to updating, revision, verification and amendment and such information may change materially. In giving this presentation, none of FCA Bank nor any of its affiliates, subsidiaries, shareholders, representatives, agents, employees or advisors, undertakes any obligation to amend, correct or update this presentation or to provide the recipient with access to any additional information that may arise in connection with it. FCA Bank is under no obligation to update or keep current the information contained in this document and any opinion expressed herein is subject to change without notice. None of FCA Bank S.p.A. nor any of its affiliates, subsidiaries, shareholders, representatives, agents, employees or advisors shall have any liability whatsoever (in negligence or otherwise) for any loss whatsoever arising from any use of this document or its contents, or otherwise arising in connection with this presentation. No representation, warranty or undertaking, express or implied, is made or given by or on behalf of FCA Bank or any of its affiliates, subsidiaries, shareholders, representatives, agents, employees or advisors, as to, and no reliance should be placed on, the fairness, accuracy, completeness, fairness or correctness of the information or the opinions contained herein or any other material discussed at the presentation and no responsibility or liability is assumed by any such persons for any such information or opinions or for any errors or omissions

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This presentation is being communicated in the United Kingdom only to persons who have professional experience in matters relating to investments falling within Article 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 to communicate it to (all such persons being referred to as relevant persons). This presentation is only directed at relevant persons and any investment or investment activity 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 act upon 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 Decree no. 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 CONSOB Regulation no. 11971 of 14 May 1999, as amended and restated from time to time (the CONSOB Regulation), or in other circumstances provided under Article 100 of the Financial Services Act and Article 34-ter, CONSOB Regulation, where exemptions from the requirement to publish a prospectus pursuant to Article 94 of the Financial Services Act are provided.

These materials may contain projections and forward-looking statements. Forward looking statements, projections, objectives, estimates and forecasts are generally identifiable by the use of the words “may,” “will,” “should,” “plan,” “expect,” “anticipate,” “estimate,” “believe,” “intend,” “project,” “goal” or “target” or the negative of these words or other variations on these words or comparable terminology. Forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause FCA Bank's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. These forward-looking statements include, but are not limited to, all statements other than statements of historical facts, including, without limitation, those regarding FCA Bank’s future financial position and results of operations, strategy, plans, objectives, goals and targets and future developments in the markets where FCA Bank participates or is seeking to participate. All statements, other than statements of historical facts, contained herein regarding FCA’s strategy, goals, plans, future financial position, projected revenues and costs or prospects are forward-looking statements. Forward-looking statements are subject to inherent risks and uncertainties, some of which cannot be predicted or quantified. Any such forward-looking statements will be based on numerous assumptions regarding FCA Bank's present and future business strategies and the environment in which FCA Bank will operate in the future. Further, any forward-looking statements will be based upon assumptions of future events which may not prove to be accurate and future events or actual results could differ materially from those set forth in, contemplated by or underlying forward-looking statements. Any such forward-looking statements in these materials will speak only as at the date of these materials and FCA Bank assumes no obligation to update or provide any additional information in relation to such forward-looking statements. By attending the meeting where this presentation is made or by accepting a copy of this presentation, you agree to be bound by the foregoing and to maintain confidentiality regarding the information disclosed in this presentation.

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FCA Bank is one of the largest specialized auto finance and lease companies operating in Europe,

diversified across products, geographies and brands

50 / 50 Joint Venture between Fiat Chrysler Automobiles and Crédit Agricole

Long-Term Partnership signed in December 2006 and extended until December 2021, at least

A unique business model, focusing on the automotive industry and combining the commercial

effectiveness of an industrial partner, with the risk discipline and financial strength of a universal

banking group

FCA Bank is regulated as a bank by the Bank of Italy under the Italian Banking Act

Board Composition: 10 members, 2 independent, 4 appointed by each shareholder

FCA Bank: a JV between FCA and Crédit Agricole

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About FCA Bank

Business deployed in 3 Business lines, 12 Brands, 18 Countries

Significant brand diversification, compared to the other Automotive Captive European peers, offering services and open market solutions to:

FCA brands

Maserati

Ferrari

FCA BANK RATINGS

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Jaguar and Land Rover (Mainland Europe)

Erwin Hymer Group (leisure vehicles)

Baa1 Long-term (Stable Outlook) / P-2 Short-term / A3 Deposits Long-term

(Negative Outlook)

BBB- Long-term (Stable Outlook) / A-3 Short-term

BBB+ Long-term (Stable Outlook) / F2 Short-term

FCA Bank Group – Business Overview Multi-Brand and Multi-Business

5

Total Outstanding 2017 H1 (EoP): 22.7 €/Bn

3 Business lines

12 Brands

27 Legal entities and 7 branches

2,066 Employees

18 Countries

Private customers

Channel: Dealership

Outstanding 2017 H1 (EoP): 14.0 €/Bn

62% of outstanding assets

OEM Dealer Networks

Outstanding 2017 H1 (EoP): 6.6 €/Bn

29% of outstanding assets

Corporate customers

Channel: Dealership/Direct

Outstanding 2017 H1 (EoP): 2.1 €/Bn

9% of outstanding assets

Dealer Financing

Retail Financing

Long Term Rental

FCA Bank Group –2017 H1 Highlights

INTERNATIONALIZATION ROAD MAP

6

Outstanding commercial performance with an average managed portfolio equal to € 21.2 Bn compared to € 17.8 Bn in the first half of 2016

Net Banking Income increasing compared with previous years

Cost of risk improving

Cost of funding decreasing

Net Profit reaching € 190 M, best ever half-year result

Stronger liquidity position enhanced by further diversification on secured and unsecured capital markets

Core Tier 1 set at 11.4% (Consolidated perimeter); Equity equal to € 2.4 Bn

Performance Indicators

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*Basel III Banking Group (effective 2015)

(€ and %)

Average Managed Outstanding

Net Banking Income / Average Managed Outstanding

2009 2010 2011

Net Profit

2012

15.5 Bn

3.7%

16.4 Bn

3.7%

15.8 Bn

3.9%

14.9 Bn

4.1%

105 M 147 M 153 M 167 M

2013

14.6 Bn

4.0%

172 M

2014

3.8%

182 M

CET 1 8.0% 8.8% 9.2% 10.6% 11.0% 11.7%

2008

15.5 Bn

3.5%

137 M

8.2%

2007

14.6 Bn

3.5%

119 M

7.2%

4.2%

249 M

11.2%*

2015

14.7 Bn 16.1 Bn

4.0%

312 M

11.3%*

2016

18.5 Bn

Note:

i) Managed Portfolio figures are net of credit risk funds

3.9%

190 M

11.4%*

2017 H1

21.2 Bn

Capitalization Consolidated Perimeter

FCA Bank subsidiaries not needing additional capital

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

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2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

Outstanding EOP (€/Bn)

14.9 15.2 16.1 16.1 15.9 14.5 15.0 15.3 17.2 20.8 22.7

JVA perimeter / Basel II Rules Basel III

CET 1

Net Profit (€/M)

Total Capital

Ratio

119 137 105

147 153 167 172 182 249

312

190

7,2%

8,2% 8,0% 8,8%

9,2%

10,6% 11,0%

11,7% 11,2% 11,3%

12,1%

7,2%

8,2% 8,0% 8,8%

9,2%

10,6% 11,0%

11,7% 11,2% 11,3% 11,4%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

Outstanding by Business Line End of Period

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FCA Brands currently account for around 80% of FCA Bank total portfolio

(€/Bn)

Italy 46% Germany

18%

UK 10%

France 8%

Spain 6%

Other 12%

2017 H1

10,8 10,3 9,5 9,8 10,0 11,0 13,0 14,0

3,7 4,1 3,7 3,9 4,0

4,8

6,0 6,6

1,6 1,5 1,3 1,3 1,3

1,4

1,7

2,1

16,1 15,9 14,5 15,0 15,3

17,2

20,8

22,7

2010 2011 2012 2013 2014 2015 2016 2017 H1

Retail Dealer Financing Long term Rental

Key Financial Indicators

Sound performance highlighted by positive trend of all main financial indicators

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Net Banking Income (€/M) & Percentage

on Average Outstanding

Pre-Tax Income (€/M) & Percentage on

Average Outstanding

46,5%

42,8% 40,6% 40,0%

38,8% 38,6% 39,4% 40,1%

35,4% 33,5%

31,7%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

517 536 576 596 609 608 587 566

667 732

416

3,5% 3,5% 3,7% 3,7%

3,9% 4,1% 4,0%

3,8% 4,1% 4,0% 3,9%

0,00%

0,50%

1,00%

1,50%

2,00%

2,50%

3,00%

3,50%

4,00%

4,50%

0

100

200

300

400

500

600

700

800

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

Net Banking Income NBI / Average Outstanding

Cost / Income Ratio (%)

Net Profit (€/M) & Percentage on Average

Outstanding

190 189 184 213 229

257 248 257

359

417

259 1,3% 1,2% 1,2% 1,3% 1,4%

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

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

-0,5%

0,0%

0,5%

1,0%

1,5%

2,0%

2,5%

0

50

100

150

200

250

300

350

400

450

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

Pre-Tax Income Pre-Tax Income / Average Outstanding

119 137

105

147 153 167 172 182

249

312

190 0,8% 0,9%

0,7%

0,9% 1,0% 1,1% 1,2% 1,2%

1,6% 1,7% 1,8%

-0,30%

0,20%

0,70%

1,20%

1,70%

0

50

100

150

200

250

300

350

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

Net Profit Net Profit / Average Outstanding

Credit Risk Performance

Cost of Risk performance continuing to improve

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

87

117

145 145 144

116 109

83

70

55

27

0,60% 0,76%

0,93% 0,89% 0,91% 0,78% 0,75%

0,57%

0,44% 0,30% 0,25%

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 2016 2017 H1

Provisions (€/M) Cost of Risk (%)

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Credit Quality

12

December 31st, 2016 June 30th, 2017

(€/ M) Gross

Exposure

Allowance for

loan and lease

losses

Net

Exposure

Gross

Exposure

Allowance for

loan and lease

losses

Net

Exposure

Non-performing loans 298.1 (143.0) 155.1 283.5 (142.0) 141.5

Performing loans 18,540.6 (139.7) 18,400.8 20,121.5 (139.5) 19,982.0

Total 18,838.7 (282.8) 18.555.9 20,405.0 (281.5) 20,123.5

December 31st, 2016 June 30th, 2017

Gross

Exposure

weight

Net Exposure

weight

Coverage

ratio

Gross

Exposure

weight

Net Exposure

weight

Coverage

ratio

Non-performing loans 1.58% 0.84% 47.98% 1.39% 0.70% 50.09%

Performing loans 98.42% 99.16% 0.75% 98.61% 99.30% 0.69%

Total 100.00% 100.00% 1.50% 100.00% 100.00% 1.38%

Residual Value Risk

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euro/mln December 31st, 2015 December 31st, 2016 June 30th, 2017

Consumer loans and leases:

- Residual Risk assumed by FCA Bank 1,086 926 952

of which UK market 1,036 879 878

Provision for residual value 56

Provision / Risk 5.88%

euro/mln December 31st, 2015 December 31st, 2016 June 30th, 2017

Long-Term Rental:

- Residual Risk assumed by Leasys 576 638 765

Provision for residual value 41

Provision / Risk 5.36%

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

4,1 3,8 3,1 3,5 3,7

- -

- - -

- - - 1,0

1,8 1,8

4,8

3,9 3,5 3,2 3,1

3,0 2,4 2,7

4,1

3,8 4,5

0,2

0,4

5,2

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

5,2 5,1 4,1

2,7

2,8

2,9

0,5 0,5 0,5

1,5 2,3

3,1

5,1

7,5

8,0

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 H1

Bonds

CA Group

Deposits

Banks

ECB

Securitizations

Funding Sources Evolution

16.0

13.7 13.9 13.0

14.5 14.7 14.9 14.3 14.9

21.2

(€Bn)

14

17%

21%

8% 14%

2%

38%

2017 H1

19.5

CONTACTS

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Riccardo Mesturino Treasurer riccardo.mesturino@fcagroup.com

Niccolò Camerana Debt Capital Markets & IR niccolo.camerana@fcagroup.com

Ticker: FCABANK

www.fcabankgroup.com

FCA Bank SpA

Bloomberg

Website