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  "presentationDate": "2025-02-01 00:00:00",
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      "text": "Retail & Lease FICO and Higher Risk Mix (%)\nHigher Risk Portfolio Mix (%)\n2020: 739, 6%\n2021: 750, 5%\n2022: 747, 5%\n2023: 756, 4%\n2024: 756, 3%",
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      "text": "Retail Repossessions (000) and Repossession Rate (%)\nRepossession Rate (%)\n2017-2019: 1.27%\n2020: 21, 0.95%, 0.15%\n2021: 14, 0.74%, 0.11%\n2022: 14, 0.74%, 0.15%\n2023: 16, 0.85%, 0.18%\n2024: 21, 1.08%, 0.19%\n60+ Day Delinquencies*",
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      "text": "Retail Net Charge-Offs ($M) and LTR Ratio (%)\nLTR Ratio (%)\n2017-2019: 0.56%\n2020: $180, 0.36%, $10.7\n2021: $28, 0.06%, $8.5\n2022: $67, 0.14%, $9.0\n2023: $184, 0.35%, $12.2\n2024: $301, 0.50%, $16.1\nSeverity (000)",
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      "text": "Retail Contract Terms (months)\nRetail ≥ 84 Months Placement Mix (%)\n2020: 68, 9%\n2021: 63, 4%\n2022: 63, 7%\n2023: 63, 8%\n2024: 65, 7%",
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      "text": "Disciplined and consistent underwriting practices\nPortfolio quality evidenced by FICO® scores and consistently low Higher Risk Portfolio Mix\nRetail Net Charge-Offs and LTR Ratio higher YoY, reflecting:\nIncreased repossession rates\nHigher severity due to higher average amount financed and vehicle mix",
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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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