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Daimler Financial Services AG
GESAMTBANKSTEUERUNG 2017
Klaus Entenmann | Vorstandsvorsitzender Daimler Financial Services AG
5. Jahreskonferenz am 30. März 2017 in Frankfurt am Main
der MobilitätChancen und Herausforderungen
Die Zukunft
für die Finanzdienstleistungsindustrie
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Daimler Financial Services AG
Mercedes-BenzCars
DaimlerBuses
Mercedes-BenzVans
Daimler Trucks
Daimler Financial Services
Daimler Financial Services – a division of Daimler
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Daimler Financial Services AG
Performance 2016 - another record year for Daimler Financial Services!
47.7%
133bn
Penetration
Rate
€ Portfolio
1.74bn € EBIT
Excellent cooperation
with our brand partners
Portfolio growth in all regions
along with growing sales
Favorable EBIT
development
High efficiency
Excellent
risk management
Sustainable profitability
0.93%
0.31%
17.4%
Operating
Ratio
Net Credit
Losses
Return on
Equity
We offer a broad variety of financial and mobility services – serving approximately 20 million customers
car2go customers
vehicles in fleet management
moovel customers
banking customers
financed orleased vehicles
insurance policies mytaxi customers
2.5 2.62.8
3.13.3
3.7
4.3
We are among the world’s leading captive finance providers
Financing & leasing portfolio[in mn units]
2010 201620152014201320122011
PERFORMANCE
STRATEGIC BENEFITS
76%
12%
11%
1%
Passenger cars
Trucks
Vans
Buses
Share of vehicle types in 2016 [in %; based on units]
Drive vehiclesales
Foster customerloyalty
Contribute to thegroup’s EBIT
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Daimler Financial Services AG6
WE FINANCE NEARLY EVERY SECOND VEHICLE
SOLD BY DAIMLER
52%
28%
Penetration rates per vehicle segment
40%36%
20
10
20
16
20
15
20
14
20
13
20
12
20
11
20
09
20
08
20
07
20
06
20
05
35% 35%39% 39%
43%40% 41%
43% 43% 45% 47% 48%
Global penetration rate DFS
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Daimler Financial Services AG
We manage a portfolio of 133 billion € in 40 countries[Portfolio by region in %]
41%
40%
12%
7% China
Africa &Asia Pacific
EuropeAmericas
1.82.1
2.32.7
3
3.74.1
We broker 1.8 million insurance policies per year
Global automotive insurance portfolio[in mn units]
2010 201620152014201320122011
Passenger carpenetration 2016
New insurancecontracts 2016
35%
1.8mn
PERFORMANCE
STRATEGIC BENEFITS
Support aftersales profitability
Drive customerconvenience
Ecosystem enabler
We are strengthening our fleet management business
Fleet portfolio growth [in k units]
26874 77 84
93
361
Athlon
Daimler Fleet Management
2013 201620152014
27,000countries22
PERFORMANCE
STRATEGIC BENEFITS
Increase share of Mercedes Benzbrand in fleets
Drive customerloyalty
Support service &product offering
customers
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Daimler Financial Services AG
We apply a comprehensive risk governance - covering the full range of
our business
GOVERNANCE
CreditDecision
Collections & Remarketing
Rating /Scoring
Risk Provisioning
Policies & Guidelines
Business Strategy & Planning
Credit Risk
Interest/ Liquidity Risk
Residual Value Risk
Operational Risk
Political/Legal Risks
Hard Currency Risk
RISK TYPES
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Daimler Financial Services AG
2008 20162015201420132012
Our Portfolio performs on an excellent level
2009 201120102007
Credit Reserves
Net Credit Losses
1.03%0.97%
0.91%
0.31%0.24%
0.31%
We offer “mobility at your fingertips” - through a comprehensive mobility services portfolio
…
Long distance bus travel
Flixbusshareholding
…
P2P carsharingCroove
Private-Hire(licensed)
Blacklaneshareholding
B2Bsolutions
moovel white-label
B2C carsharing
car2go
Taxi-Hailingmytaxi
B2C mobilityplatformmoovel App
CAR SHARING RIDE-HAILING MOBILITY PORTAL
10.6mn
77
interactions*59mncities
customers
Daimler Mobility Services Total business volume 2016
* transactions/tours/rentals
is the world‘s market leader in flexible car sharing
1.6
2.2
2015 2016
Number of customers[in mn]
+43%
Find Find a car2go next to you – with or without reservation.
Whenever you need it.
Drive Simply open your car2go with your smartphone
and start driving – as long as you want.
Park After having arrived, park your car2go on any
parking lot within the business area. That‘s it!
P
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Daimler Financial Services AG
has become Europe’s largest taxi-hailing provider
2.0
6.2
2015 2016
Number of customers[in mn]
+210%
Step 1 Order your cab via
your smartphone
Step 3 Get real-time information
about estimated arrival
Step 2 Directly get in touch
with your driver
Step 4 Pay your ride with
just one swipe
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Daimler Financial Services AG
is an urban mobility company, making cities smarter
1.1
2.2
2015 2016
Number of customers[in mn]
moovel transitmoovel app
+100%
B2C app
for urban locals
B2B white-label solutions
for public transportation authorities
„One-stop shop“ for mobility
Look, book & pay functionality
Car sharing, taxi, railway, etc.
Feinstaub Stuttgart ticket record
Mobile ticketing for public transit
White label solution
16 transit operators integrated
Market leader in mobile ticketing in the U.S.
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Daimler Financial Services AG
Available in:
Web App
all makes,
models, and trims
Apply for
Financing
license scan;
LinkedIn integration
Find a
Dealer
all brands and
dealers nationwide
Select
Your Offer
instant credit
decision
Choose
Your Car
puts car financing in the palm of your hand
Integrated partners [as of February 2016]
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Daimler Financial Services AG
Auto Finance is undergoing rapid digital transformation - our first
FinTech is live and operative since 2016
With AutoGravity we harness the power of the smartphoneto provide a fully digital and seamless customer experience
With AutoGravity we expand our customer base byintegrating multiple lenders and multiple brands
AutoGravity enables us to transform car financingfrom an asset based to a non-asset based business
AutoGravity
founded
January 2016
GoLive. First customers.
“One of the best new personal finance apps” - Forbes
October 2016
Additional lenders live on platform
“A Top Workplace in Orange County”
January 2017
US Nationwide Roll-Out
as of Q1/2017
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Daimler Financial Services AG
We will create a holistic and customer - centric ecosystem for connected mobility solutions
Mercedes pay - is an important puzzle piece
Strengthen customer understanding
Enhance cross-selling
Extend digital business model
Pay with one ID within Daimler ecosystem
Enjoy loyalty programs & vouchers
Gain convenience through seamless payment
BENEFITS FOR CUSTOMERS BENEFITS FOR DAIMLER
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Daimler Financial Services AG
With Mercedes Pay - we enable our customers to purchase all our services
via smartphone
FULL MOBILE
PAYMENT EXPERIENCE
in-app
on-board
at the gas pump
ONE
eWALLET
Maximize customer value
Minimize payment risk
Optimize customer analytics
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Daimler Financial Services AG
+131%
With Full Speed into DIGITAL – expanding our Customer Base and Creating
a Unique Customer Experience
* car2go and mytaxi combined 12/16 (YTD) vs. 12/15 (YTD)
Mobility Services & Ecosystem
CAR2GO PILOTIN ULM
2008 2012 20142013
MOOVEL APP
INVESTMENT INTO MYTAXI
INVESTMENT INTO BLACKLANE
2014
MYTAXI ACQUISITION
2016
MYTAXI MERGE WITH HAILO
2017
LAUNCH OF AUTOGRAVITY
2016
Mercedes
Pay
START OF MERCEDES PAY
FinTech
Combined change*
+131%6.2 mill >50
2.2 mill 29
22.22 mill
22.20 mill
+20% +90%
2012
INVESTMENT INTO FLIXBUS
Our strategic vision – extend Daimler’s ecosystem around the connected
car and become an integrated financial and mobility service provider
CREATE LOCK-IN-EFFECTS
FOSTER LOYALTY
INCREASE SHARE OF WALLET
CONNECTED SERVICES BEYOND CAR+
CONNECTED CAR-BASEDON-DEMAND SERVICES
CONNECTED FINANCIAL SERVICES
+
+
CONNECTED CAR