ACF General Motors Financial Dashboard

The profitability and financial condition of our operations are dependent upon the operations of our parent, GM.
Our operations are heavily reliant on automotive dealers, and our profitability could be adversely affected by a change in dealers’ relationships with us or in their financial condition.
Defaults and prepayments on loans and leases purchased or originated by us could adversely affect our operations.
We operate in a highly competitive industry, and competitive pressures could have a significant negative effect on our pricing, market share and operating results.
Our profitability is dependent upon retail demand for automobiles and related automobile financing and the ability of customers to repay loans and leases, and our business may be negatively affected during times of low automobile sales, fluctuating wholesale prices and lease residual values, and high unemployment.
Our ability to continue to fund our business and service our debt is dependent on a number of financing sources and requires a significant amount of cash.
Our substantial indebtedness could adversely affect our financial health and prevent us from fulfilling our obligations under existing indebtedness.
Our hedging strategies may not be successful in minimizing risks from unfavorable changes in interest rates and foreign currency exchange rates.
Our operations outside the U.S. expose us to additional risks.
We do not control the operations of our investments in joint ventures, and we are subject to the risks of operating in China.
Our enterprise data practices, including the collection, use, sharing, and security of the Personal Identifiable Information of our customers and employees, are subject to increasingly complex, restrictive and punitive regulations in all key market regions.
Compliance with laws and regulations can significantly increase our costs and affect how we do business.
We could be materially adversely affected by significant legal and regulatory proceedings.
We may incur additional tax expense or become subject to additional tax exposure.

Management Discussion

This section discusses our results of operations for the year ended December 31, 2020 as compared to the year ended December 31, 2019. For a discussion and analysis of the year ended December 31, 2019, compared to the same period in 2018 please refer to Management's Discussion and Analysis of Financial Condition and Results of Operations included in Part II, Item 7 of our Annual Report on Form 10-K for the year ended December 31, 2019, filed with the SEC on February 5, 2020.
Income before income taxes for 2020 increased to $2.7 billion from $2.1 billion for 2019. There were offsetting changes to key drivers of income before income taxes, as follows:
•Finance charge income on retail finance receivables increased due to growth in the size of the portfolio, partially offset by a decrease in the effective yield.

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ACF General Motors Financial Dashboard

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