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  "documentTitle": "Ford | Investor Conference Presentation Deck | 60 slides",
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  "authorName": "Ford",
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  "presentationDate": "2023-08-01 00:00:00",
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      "text": "Retail Net Charge-Offs ($M) and LTR Ratio (%)\nLTR Ratio (%)\nQ2 2020: $19, 0.15%, $10.9\nQ2 2021: ($9), -0.07%, $7.9\nQ2 2022: $6, 0.05%, $7.9\nQ3 2022: $21, 0.18%, $9.6\nQ4 2022: $30, 0.25%, $10.3\nQ1 2023: $44, 0.35%, $10.6\nQ2 2023: $27, 0.21%, $10.9\nSeverity (000)",
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      "text": "Retail Repossessions (000) and Repossession Rate (%)\nRepossession Rate (%)\nQ2 2020: 3, 0.52%, 0.15%\nQ2 2021: 3, 0.63%, 0.08%\nQ2 2022: 3, 0.69%, 0.14%\nQ3 2022: 4, 0.78%, 0.15%\nQ4 2022: 3, 0.76%, 0.17%\nQ1 2023: 4, 0.83%, 0.17%\nQ2 2023: 4, 0.75%, 0.15%\n60+ Day Delinquencies*",
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      "text": "Retail Contract Terms\nRetail >84 months Placement Mix (%)\nQ2 2020: 71 mo, 15%\nQ2 2021: 63 mo, 6%\nQ2 2022: 62 mo, 6%\nQ3 2022: 64 mo, 9%\nQ4 2022: 65 mo, 9%\nQ1 2023: 62 mo, 8%\nQ2 2023: 62 mo, 9%",
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      "text": "Retail & Lease FICO and Higher Risk Mix (%)\nHigher Risk Portfolio Mix (%)\nQ2 2020: 743, 6%\nQ2 2021: 747, 5%\nQ2 2022: 748, 5%\nQ3 2022: 743, 5%\nQ4 2022: 748, 4%\nQ1 2023: 751, 4%\nQ2 2023: 757, 4%",
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      "text": "+ Disciplined and consistent underwriting practices\n+ Portfolio quality evidenced by FICO scores and consistent risk mix\n+ Retail Net Charge-Offs and LTR Ratio lower sequentially, reflecting seasonality; higher YoY due to increased repossessions and higher severity",
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      "text": "* Excluding bankruptcies",
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      "kind": "title",
      "text": "U.S. Origination Metrics And Credit Loss Drivers",
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