RCI BANQUE S.A.

RCI BANQUE S.A. is the Renault Group’s captive banking and financial services company, operating in many markets under the commercial brand Mobilize Financial Services. It finances new and used vehicles for retail and corporate customers of Renault Group brands (Renault, Dacia, Alpine and Mobilize) and, in certain countries, supports alliance brands such as Nissan and Mitsubishi. Its product set spans consumer auto loans, lease and balloon products, long-term rental, fleet and business leasing, dealer wholesale (“floorplan”) financing, and a broad range of ancillary services including insurance, extended warranties, maintenance, and service contracts; it has also developed mobility and subscription solutions following acquisitions and partnerships in digital platforms. The group complements its traditional wholesale funding and securitizations with retail deposits gathered through online savings offers marketed as RCI Bank or country-specific brands, which it uses to diversify and lower funding costs; deposit availability and terms vary by jurisdiction. RCI BANQUE S.A. is a licensed French credit institution subject to prudential and conduct supervision in France and the European Union, with risk management focused on credit risk from auto finance, residual-value exposure on leased vehicles, and interest-rate and liquidity management; performance is closely linked to the sales cycle, used-car prices, and the geographic mix of the Renault Group’s distribution network. Recent strategic priorities include expanding financing for electric vehicles and charging solutions, developing data-driven underwriting and lifecycle services, and scaling subscription and pay-per-use models, while maintaining dealer support and remarketing capabilities. The business model offers synergies with the manufacturer but concentrates exposure to a single industrial group and to auto market cyclicality, making funding diversification, asset quality, and residual-value control central to its outlook.