John Deere Bank S.A.

John Deere Bank S.A. is a Luxembourg-incorporated credit institution within the John Deere group that focuses on captive financing for agricultural, construction and forestry equipment under the John Deere Financial brand. The bank’s core activities are dealer inventory (floorplan) financing, retail installment loans and leases secured by equipment, and vendor financing programs offered through dealer channels in selected European and wider EMEA markets. It is authorized in Luxembourg and supervised by the Commission de Surveillance du Secteur Financier, with cross‑border activities conducted via EU passporting and, where applicable, through local branches subject to host‑country rules. Funding is largely wholesale, including intercompany loans and capital markets issuance under note programs, rather than dependence on broad retail deposit gathering; details of support arrangements and any guarantees for issued debt are described in offering documentation. The institution publishes annual financial statements and regulatory disclosures that cover asset quality, capital and liquidity in line with EU prudential requirements, while product pricing, tenors and eligibility are country‑specific and subject to credit approval, collateral, and standard contractual terms covering early repayment, termination and repossession. Distribution is primarily through John Deere dealers and digital application portals rather than a conventional retail branch network. Risk profile reflects exposure to equipment cycles, dealer network performance and secured lending concentrations, with interest rate and residual value risks managed under group policies. Product availability, consumer protections and complaint mechanisms vary by jurisdiction, so prospective customers should confirm the applicable regulator and guarantees in their country and review current terms and disclosures before entering into financing agreements.