1

st

Quarter

2014

Earnings Call

April 24, 2014

Exhibit 99.2

Safe Harbor Statement

This presentation contains several “forward-looking statements”. Forward-looking statements are those that use words

such

as

“believe”,

“expect”,

“anticipate”,

“intend”,

“plan”,

“may”,

“likely”,

“should”,

“estimate”,

“continue”,

“future”

or

other

comparable expressions. These words indicate future events and trends. Forward-looking statements are General

Motors Financial Company, Inc.’s (the “Company’s”) current views with respect to future events and financial

performance. These forward-looking statements are subject to many assumptions, risks and uncertainties that could

cause actual results to differ significantly from historical results or from those anticipated by the Company. The most

significant risks are detailed from time to time in the Company’s filings and reports with the Securities and Exchange

Commission, including the Company’s Report on Form 10-K for the year ended December 31, 2013. Such risks include -

but

are

not

limited

to

-

our

ability

to

close

the

acquisition

of

Ally

Financial

Inc.’s

equity

interest

in

GMAC-SAIC,

our

ability

to integrate those operations that we have acquired and will acquire into our business successfully, changes in general

economic

and

business

conditions,

GM’s

ability

to

sell

new

vehicles

that

we

finance

in

the

markets

we

serve

in

North

America, Europe and Latin America, interest rate and currency fluctuations, our financial condition and liquidity, as well

as future cash flows and earnings, competition, the effect, interpretation or application of new or existing laws,

regulations, court decisions and accounting pronouncements, the availability of sources of financing, the level of net

credit losses, delinquencies and prepayments on the loans and leases we originate, the viability of GM-franchised

dealers that are commercial loan customers, the prices at which used cars are sold in the wholesale auction markets,

and changes in business strategy, including acquisitions and expansion of product lines and credit risk appetite. If one or

more of these risks of uncertainties materializes, or if underlying assumptions prove incorrect, actual events or results

may differ materially. It is advisable not to place undue reliance on the Company’s forward-looking statements. The

Company undertakes no obligation to, and does not, publicly update or revise any forward-looking statements, except as

required by federal securities laws, whether as a result of new information, future events or otherwise.

2

1

st

Quarter

2014

Highlights

Operating Results

Profitability solid with $222M in pretax earnings in the quarter

North American loan volume stable; leasing volume up moderately

Retail penetration strong in Europe and Latin America

Consumer credit losses remain historically low led by sustained recovery rates in North

America and favorable results in Latin America

Prime Lending Update

Launched pilot of prime-lending program this quarter

Expanded near-prime subvention programs in anticipation of full prime launch in mid-summer

Acquisition Update

China JV expected to close in late 2014

3

Key Metrics –

March 2014 Quarter

($MM)

North America

(1)

International

(2)

Total Co.

Earnings Before Tax

$167

$64

$222

(3)

Ending Earning Assets

17,560

17,396

34,956

Total Originations

(Loan & Lease)

2,137

2,048

4,185

GM as a % of Total Originations

52.7%

88.0%

70.0%

Annualized Net Credit Loss as a % of Avg.

Consumer Finance Receivable

3.1%

0.6%

1.8%

(1)

United States and Canada

(2)

Austria, Belgium, France, Germany, Greece, Italy, the Netherlands, Portugal, Spain, Sweden, Switzerland, the United Kingdom, Brazil, Chile, Colombia and Mexico

(3)

Reflects net impact of intercompany allocations

4

North America

GM and GMF Penetration/Linkage

GM

Industry Average

(excluding GM)

Mar-13

Mar-14

Mar-13

Mar-14

GM Market Penetration

U.S. Subprime Loans

7.6%

7.9%

6.3%

7.2%

U.S. Leases

21.0%

24.2%

24.4%

26.7%

Canada Leases

10.1%

23.4%

22.4%

22.9%

GM/GMF Linkage

GM as % of GMF Loan and Lease Originations

(GM New / GMF Consumer Loan & Lease)

51.1%

52.7%

GMF as % of GM U.S. Subprime

36.3%

31.8%

GMF as % of GM U.S. Lease

22.6%

17.0%

GMF Wholesale Dealer Share

2.8%

6.3%

5

North America

Loan Origination Volume

Loan origination volume followed normal seasonal pattern

Competitive dynamics continue to impact results

Competition

has driven extended loan terms, higher loan to value and reduced pricing

Less than prime, non-subvented rates can be competitive with subvented rates

GM Financial is maintaining credit and pricing discipline

6

$794

$749

$722

$673

$814

$173

$151

$156

$160

$196

$392

$451

$392

$313

$354

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

Quarterly

($MM)

$1,270

$1,146

$1,359

$1,351

$1,364

Loans originated

on new vehicles

by GM dealers

Loans originated

on used vehicles

by GM dealers

Loans originated

on vehicles by

Non-GM dealers

North America

Consumer Loan Credit Performance

Credit metrics impacted by seasonality and normalizing credit environment

Credit metrics continue to moderate reflecting current credit environment and portfolio mix

Comparable performance of GM new remains in line to better than performance of non-GM

NA Annualized

quarterly net credit

losses

NA 31-60 day

delinquency

NA 61+ day

delinquency

7

Recovery Rate

Credit Metrics

2.6%

2.1%

2.8%

3.5%

3.1%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

56.7%

60.5%

62.2%

59.1%

58.7%

North America

Lease Originations

Total lease volume up in March 2014 quarter compared to both December and

March 2013 quarters

Canada’s March 2014 lease volume driven by leasing support from GM and

success of biweekly payment option

Credit performance reflects the predominantly prime credit profile of the portfolio

At March 31, 2014, substantially all of our leases were current with minimal defaults to date

8

Lease Origination Volume

$2.1B

$2.7B

$3.1B

$3.4B

$3.7B

U.S. Lease Volume ($MM)

Canada Lease Volume ($MM)

Lease Portfolio ($B)

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

$535

$657

$383

$519

$576

North America

Commercial Lending

Continue

to

make

solid

progress

acquiring

dealers;

expect

higher

conversion

rate after prime loan rollout in North America

Floorplan financing represented the largest share of the portfolio at 87%

9

$883

$1,169

$1,357

$1,975

$2,190

155

208

252

309

336

0

50

100

150

200

250

300

350

400

450

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

$1,800

$2,000

$2,200

$2,400

Commercial Finance Receivables Oustanding

Number of Dealers

International Operations

GM and GMF Linkage

Mar-14

Dec-13

Sep-13

Jun-13

GMF as a % of GM Retail Sales

38.6%

41.3%

32.0%

29.8%

Europe

35.1%

34.7%

31.2%

28.0%

Latin America

41.3%

44.8%

33.5%

33.2%

GMF Wholesale Dealer Share

94.8%

96.3%

95.2%

94.9%

Europe

98.1%

98.4%

97.6%

97.7%

Latin America

91.6%

94.6%

89.8%

88.0%

GM as % of GMF  Consumer Originations

(GM New / GMF Consumer Loan)

88.0%

89.7%

84.6%

84.1%

Europe

82.5%

81.9%

80.8%

79.6%

Latin America

94.9%

95.9%

96.0%

96.4%

10

International Operations

Consumer

Continued strength in

originations driven by high

retail penetration in Europe,

especially in the UK

Credit performance is stable

in Europe and improving in

Latin America 

Annualized quarterly net credit

losses of 0.6%

31-60 day delinquencies of

1.1%

61+ day delinquencies of 1.0%

11

U.K.

31%

March 2014 Quarter

Originations

$2.0B

Germany

14%

Mexico

11%

Other 

14%

At March 31, 2014

Portfolio Balance

$12.5B

Germany

24%

U.K.

20%

Other

11%

Mexico

9%

Brazil

31%

Other

5%

Latin

America

Europe

Brazil

29%

Other

10%

Other 5%

International Operations

Commercial

Commercial lending balance stable, with

nearly full wholesale dealer penetration

Floorplan financing continues to

represent the largest share of the

portfolio at 95%

Commercial credit performance stable in

Europe and Latin America

12

U.K.

24%

Germany

22%

Other

21%

Mexico

12%

Brazil

18%

Other

3%

At March 31, 2014

$4.9B

Europe

Latin

America

Financial Results

Earnings Before Taxes ($MM)

13

•

Earnings growth in Q1 2014 driven by $20 billion increase in average earning

assets, offset by declining yield as credit mix shifts

•

Segment results impacted by allocation of unsecured debt, and resulting

interest expense, to achieve target leverage ratios

$222

$167

$64

$170

$170

Total Co.

North America

International

2014

2013

Three Months Ended March 31,

Financial Results

Allowance for Loan Losses

Consumer and commercial allowance consistent with credit performance

Commercial allowance includes reserve for discontinuing Chevrolet brand in

Europe, originally established at $15 million in December 2013

14

4.1%

2.7%

2.6%

2.3%

2.3%

4.1%

4.2%

4.4%

4.5%

1.2%

0.5%

0.6%

0.7%

1.2%

1.0%

1.0%

0.9%

0.7%

0.0%

2.0%

4.0%

6.0%

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

0.8%

Consumer Allowance

Commercial Allowance

North America Only

North America Only

4.4%

Financial Results

Operating Expenses

Expect operating expenses as a percentage of average earning assets to trend

down over time as origination platforms continue to scale

Quarterly

Operating

Expenses

as

a

Percentage

of

Average

Earning

Assets

1.

Excludes lease expense and acquisition and integration expenses

15

3.2%

3.0%

3.0%

3.3%

3.2%

3.0%

3.0%

2.8%

2.8%

2.5%

3.0%

3.5%

4.0%

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

Total Co.

North America Only

1

Solid Balance Sheet Metrics

Composition

of

earning

assets

shifting

to

more

“prime-like”

credit

profile

–

Subprime

loan

portfolio

represented

30%

of

ending

earning

assets

at

March

31,

2014,

compared to    80% at March 31, 2013

GM to provide a $700M equity contribution upon closing of the China JV

16

$13.2

$30.6

$29.0

Mar-13

Dec-13

Mar-14

Total Debt

($B)

$14.2

$35.0

$33.3

Mar-13

Dec-13

Mar-14

Ending Earning

Assets

($B)

$3.4

$5.0

$5.1

Mar-13

Dec-13

Mar-14

Tangible Net Worth

($B)

Consumer

Lease

Consumer

Loan

Commercial

Loan

Unsecured

Debt

Secured

Debt

Solid Balance Sheet Metrics

Leverage in target range of 6-8X

Liquidity position adequate to support growth

1.

Earning assets to tangible net worth

2.

Liquidity includes unrestricted cash, available borrowing capacity on unpledged eligible receivables, available

borrowing capacity on committed unsecured credit lines and unused balance on GM line of credit

17

Other

Cash

4.2x

6.7x

6.8x

Mar-13

Dec-13

Mar-14

Leverage

1

$3.3

$3.9

$3.8

Mar-13

Dec-13

Mar-14

Liquidity

2

($B)

Borrowing capacity on

eligible receivables

Funding Overview

Committed credit facilities totaling over $18.0B,

provided by 29 banks

–

Renewed and upsized U.S. Floorplan credit facility to $2.3B

–

IO –

Closed, renewed and/or upsized six credit facilities in the

quarter totaling approximately $1.2 billion of capacity across

four countries

Permanent securitization funding

–

Closed two securitizations for the US subprime loan portfolio

Private  securitization, $750M –

Jan. 2014

AMCAR 2014-1,  $750M -

Mar. 2014

–

Closed E-Carat 6 Germany (retail loan), €418M/$575M

–

Closed UK E-Carat 3 UK (retail loan), £449M/$748M

–

Subsequent to quarter end, closed inaugural 144A U.S. lease

securitization ($705M)

Intend to access unsecured markets in 2014

Unsecured

$7.2B

Secured

$23.4B

$30.6B

18

Credit Facilities

$3.2B

Credit

Facilities

$9.0B

Securitization

Notes Payable

$14.4B

Sr. Notes

$4.0B

3/31/2014

For more information, visit

www.gmfinancial.com