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CNH Industrial N.V. Earnings Release 2018

Nov 7, 2018

6229_iss_2018-11-07_9ed499b9-c2cc-45e1-856e-5a6971a7d11c.pdf

Earnings Release

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CNH Industrial reported 2018 third quarter consolidated revenues of \$6.7 billion, with net income up 285% to \$231 million, or \$0.16 per share. Net industrial debt(3)(4) at \$2.0 billion

Financial results presented under U.S. GAAP(1)(2)

  • Industrial Activities net sales were flat compared to the third quarter of 2017 (up 4% on a constant currency basis), with an 18% improvement in Construction Equipment and a 4% increase in Agricultural Equipment offset by declines in Commercial Vehicles and Powertrain
  • Adjusted EBIT(3)(4) of Industrial Activities increased 24% to \$321 million, with a 5.1% margin (up 1.0 percentage points). Adjusted EBITDA(3)(4) of Industrial Activities was \$591 million, with a 9.5% margin (up 1.1 percentage points)
  • Adjusted net income(3)(4) was \$222 million (a \$71 million increase, or up 47%, compared to the third quarter of 2017), with adjusted diluted EPS(3)(4) of \$0.16 (up \$0.05 per share)
  • Net industrial debt was \$2.0 billion at September 30, 2018, \$0.7 billion higher than at June 30, 2018, due to the seasonal increase in net working capital
  • On August 8, S&P Global Ratings raised its long-term issuer credit ratings on both CNH Industrial N.V. and CNH Industrial Capital LLC to "BBB" from "BBB-" with a "stable" outlook
  • In the quarter, CNH Industrial Capital LLC issued \$500 million in principal amount of 4.200% Notes due 2024, and CNH Industrial Finance Europe S.A. issued €500 million in principal amount of 1.875% Notes due 2026
  • In September, CNH Industrial was named as Industry Leader in Machinery and Electrical Equipment in the Dow Jones Sustainability Indices (DJSI), World and Europe, for the 8th consecutive year
  • Full year guidance for net sales of Industrial Activities, adjusted diluted EPS and net industrial debt is confirmed, with adjusted diluted EPS expected now at the high end of the range
CNH INDUSTRIAL
Summary of Results
(\$ million except EPS)
Nine Months ended September 30, Three Months ended September 30,
2018 2017 Change 2018 2017 Change
21,504 19,477 10.4% Consolidated revenues 6,686 6,689 0.0%
841 342 499 Net income 231 60 171
823 461 362 Adjusted net income 222 151 71
0.60 0.24 0.36 Basic EPS (\$) 0.16 0.04 0.12
0.60 0.24 0.36 Diluted EPS (\$) 0.16 0.04 0.12
0.58 0.33 0.25 Adjusted diluted EPS (\$) 0.16 0.11 0.05

London (UK) - (November 7, 2018) CNH Industrial N.V. (NYSE:CNHI / MI:CNHI) today announced consolidated revenues of \$6,686 million for the third quarter of 2018, in line with the third quarter of 2017. Net sales of Industrial Activities were \$6,245 million in the third quarter of 2018, flat compared to the third quarter of 2017 (up 4% on a constant currency basis). Net income of \$231 million for the third quarter of 2018 included a pretax gain of \$30 million (\$23 million net of tax impact) as a result of the amortization over approximately 4.5 years

(1) CNH Industrial reports quarterly and annual consolidated financial results under U.S. GAAP and EU-IFRS. The tables and discussion related to the financial results of the Company and its segments shown in this press release are prepared in accordance with U.S. GAAP. Financial results under EU-IFRS are shown in specific tables at the end of this press release.

(2) On January 1, 2018, the Company adopted, on a retrospective basis, updated FASB accounting standards for revenue recognition (ASC 606), retirement benefits accounting (ASU 2017-07) and cash flow presentation (ASU 2016-18) and began using Adjusted EBIT and Adjusted EBITDA. Please refer to "About this Press Release" section of this press release for additional information.

(3) This item is a non-GAAP financial measure. Refer to the "About this Press Release" and "Non-GAAP Financial Information" sections of this press release for information regarding non-GAAP financial measures.

(4) Refer to the specific table in the "Other Supplemental Financial Information" section of this press release for the reconciliation between the non-GAAP financial measure and the most comparable GAAP financial measure.

2018 THIRD QUARTER RESULTS

of the \$527 million positive impact from the modification of a healthcare plan following the favorable judgment issued by the United States Supreme Court, as previously announced by the Company on April 16, 2018. In the third quarter of 2017, net income included a charge of \$39 million related to the repurchase of Notes, as well as \$53 million of restructuring charges (compared to \$8 million in the third quarter of 2018).

Adjusted net income was \$222 million for the third quarter of 2018 compared to \$151 million in the third quarter of 2017, with an adjusted diluted EPS of \$0.16 (\$0.11 in the third quarter of 2017).

Adjusted EBIT of Industrial Activities was \$321 million in the third quarter of 2018, an increase of \$63 million (or up 24%) compared to the third quarter of 2017. Adjusted EBIT margin increased 1.0 percentage points ("p.p.") to 5.1%.

Adjusted EBITDA of Industrial Activities was up 13% to \$591 million for the third quarter of 2018 compared to \$522 million in the third quarter of 2017, with an adjusted EBITDA margin of 9.5%, up 1.1 p.p. compared to the third quarter of 2017, as a result of improvements in operating profitability.

Income taxes were \$131 million in the third quarter of 2018 (\$62 million in the third quarter of 2017). Adjusted income taxes(1)(2) for the third quarter of 2018 were \$118 million (\$63 million in the third quarter of 2017). The adjusted effective tax rate (adjusted ETR)(1)(2) was 36% in the quarter (33% in the third quarter of 2017). The adjusted ETR year-to-date was 28%, in line with the Company's full year 2018 expectation.

Net industrial debt of \$2.0 billion at September 30, 2018 increased by \$0.7 billion from June 30, 2018 due to the seasonal increase in net working capital. Total debt of \$24.0 billion at September 30, 2018 was down \$0.4 billion compared to June 30, 2018. At September 30, 2018, available liquidity(1)(2) was \$8.3 billion, down \$0.1 billion compared to June 30, 2018.

On August 8, 2018, S&P Global Ratings raised its long-term issuer credit ratings on CNH Industrial N.V. and its subsidiary, CNH Industrial Capital LLC, to "BBB" from "BBB-". The short-term rating was raised to "A-2" from "A-3". The outlook of both companies is "stable".

During the quarter, CNH Industrial Capital LLC issued \$500 million in principal amount of 4.200% Notes due 2024, and CNH Industrial Finance Europe S.A. issued €500 million in principal amount of 1.875% Notes due 2026.

(1) This item is a non-GAAP financial measure. Refer to the "About this Press Release" and "Non-GAAP Financial Information" sections of this press release for information regarding non-GAAP financial measures.

(2) Refer to the specific table in the "Other Supplemental Financial Information" section of this press release for the reconciliation between the non-GAAP financial measure and the most comparable GAAP financial measure.

Segment Results

CNH INDUSTRIAL
Revenues by Segment
(\$ million)
Nine Months ended September 30, Three Months ended September 30,
2018 2017 %
change
% change
excl. FX(1)
2018 2017 %
change
% change
excl. FX(1)
8,527 7,553 12.9 12.8 Agricultural Equipment 2,636 2,547 3.5 8.4
2,207 1,770 24.7 24.6 Construction Equipment 726 618 17.5 21.2
7,788 7,296 6.7 2.4 Commercial Vehicles 2,404 2,573 -6.6 -3.0
3,376 3,211 5.1 0.0 Powertrain 972 1,074 -9.5 -6.4
(1,774) (1,777) - - Eliminations and other (493) (574) - -
20,124 18,053 11.5 9.2 Total Industrial Activities 6,245 6,238 0.1 4.2
1,469 1,492 -1.5 -0.7 Financial Services 469 478 -1.9 2.3
(89) (68) - - Eliminations and other (28) (27) - -
21,504 19,477 10.4 8.4 Total 6,686 6,689 0.0 4.0

(1) Change excl. FX" or "constant currency" is a non-GAAP financial measure. Refer to the "About this Press Release" and "Non-GAAP Financial Information" sections of this press release for information regarding non-GAAP financial measures.

CNH INDUSTRIAL

Nine Months ended September 30,
Three Months ended September 30,
2018
2017
2018
2017
adjusted
adjusted
adjusted
adjusted
\$
EBIT
EBIT
\$
EBIT
EBIT
2017
change
margin
margin
2018
2017
change
margin
margin
2018
549
229
9.1%
7.3%
Agricultural Equipment
196
173
23
7.4%
6.8%
778
59
(22)
81
2.7%
(1.2)%
Construction Equipment
26
2
24
3.6%
0.3%
132
77
2.7%
1.8%
Commercial Vehicles
68
43
25
2.8%
1.7%
209
259
26
8.4%
8.1%
Powertrain
82
88
-6
8.4%
8.2%
285
Unallocated items,
(123)
-55
-
-
eliminations and other
(51)
(48)
-3
-
-
(178)
795
358
5.7%
4.4%
Total Industrial Activities
321
258
63
5.1%
4.1%
1,153
381
26
27.7%
25.5%
Financial Services
123
126
-3
26.2%
26.4%
407
-
-
-
-
-
Eliminations and other
-
-
-
-
-
1,176
384
7.3%
6.0%
Total
444
384
60
6.6%
5.7%
1,560
Nine Months ended September 30, Three Months ended September 30,
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
1,009 786 223 11.8% 10.4% Agricultural Equipment 272 255 17 10.3% 10.0%
105 26 79 4.8% 1.5% Construction Equipment 41 18 23 5.6% 2.9%
661 522 139 8.5% 7.2% Commercial Vehicles 216 177 39 9.0% 6.9%
383 352 31 11.3% 11.0% Powertrain 113 120 -7 11.6% 11.2%
(177) (123) -54 - - Unallocated items,
eliminations and other
(51) (48) -3 -
1,981 1,563 418 9.8% 8.7% Total Industrial Activities 591 522 69 9.5% 8.4%
595 583 12 40.5% 39.1% Financial Services 182 198 -16 38.8% 41.4%
- - - - - Eliminations and other - - - -
2,576 2,146 430 12.0% 11.0% Total 773 720 53 11.6% 10.8%

Agricultural Equipment's net sales increased 4% in the third quarter of 2018 compared to the third quarter of 2017 (up 8% on a constant currency basis). The increase was primarily the result of price realization across all regions and higher sales volumes in NAFTA, partially offset by a revenue decrease in APAC, primarily Australia.

Adjusted EBIT was \$196 million in the third quarter of 2018, a \$23 million increase compared to the third quarter of 2017. Adjusted EBIT margin increased 0.6 p.p. to 7.4% compared to the third quarter of 2017. The increase was mainly attributable to favorable net price realization, while the anticipated raw material cost increase was offset by manufacturing efficiencies and lower warranty cost due to improved quality performance. Similar to previous quarters, Agricultural Equipment maintained increased product development spending by 10%, related primarily to precision farming and compliance with Stage V emissions requirements.

Construction Equipment's net sales increased 18% in the third quarter of 2018 compared to the third quarter of 2017 (up 21% on a constant currency basis), as a result of positive net price realization and favorable enduser demand, primarily in NAFTA and APAC.

Adjusted EBIT was \$26 million in the third quarter of 2018, a \$24 million increase compared to the third quarter of 2017, with an adjusted EBIT margin increase of 3.3 p.p. to 3.6%, as a result of higher volume, favorable product mix, and net price realization, more than offsetting raw material cost increases. In the quarter, production levels were 13% above retail demand, in anticipation of the fourth quarter retail seasonality.

Commercial Vehicles' net sales decreased 7% in the third quarter of 2018 compared to the third quarter of 2017 (down 3% on a constant currency basis), as a result of lower sales volume primarily in heavy vehicle trucks in EMEA partially offset by favorable pricing across all regions. Total deliveries were down 8% year-over-year, as increased volumes in light commercial vehicles and in buses (as a result of increased end-user demand in EMEA and Brazil) were more than offset by the impact of lower EMEA volumes in heavy vehicles. The decline in heavy vehicle sales is attributable to a strategy shift, which focuses sales on a more profitable product portfolio, including alternative propulsion vehicles.

Adjusted EBIT was \$68 million for the third quarter of 2018, a 58% increase compared to the third quarter of 2017, with an adjusted EBIT margin of 2.8% (up 1.1 p.p. compared to the third quarter of 2017). The increase was the result of favorable product mix and positive net price realization, primarily in the truck product line-up.

Powertrain's net sales decreased 10% in the third quarter of 2018 compared to the third quarter of 2017 (down 6% on a constant currency basis), due to lower sales volume, primarily attributable to a different calendarization

2018 THIRD QUARTER RESULTS

of the engine sales associated with the transition to the new Stage V regulation. Sales to external customers accounted for 52% of total net sales (48% in the third quarter of 2017).

Adjusted EBIT was \$82 million for the third quarter of 2018 compared to \$88 million for the third quarter of 2017. Adjusted EBIT margin slightly increased to 8.4% as favorable product mix more than offset a 9% decline in engine volumes and higher product development spending.

Financial Services' revenues totaled \$469 million in the third quarter of 2018, a 2% decrease compared to the third quarter of 2017 (up 2% on a constant currency basis), primarily due to a lower average portfolio balance in NAFTA, partially offset by growth in other regions.

In the third quarter of 2018, retail loan originations (including unconsolidated joint ventures) were \$2.4 billion, relatively flat compared to the third quarter of 2017. The managed portfolio (including unconsolidated joint ventures) was \$25.5 billion as of September 30, 2018 (of which retail was 63% and wholesale 37%), down \$0.5 billion compared to September 30, 2017. Excluding the impact of currency translation, the managed portfolio increased \$0.4 billion compared to the same period in 2017.

Net income was \$92 million in the third quarter of 2018, an increase of \$6 million compared to the third quarter of 2017.

2018 Outlook(1)

Despite increasing uncertainties related to the trade policy environment and raw material inflationary headwinds, together with foreign exchange volatility in the emerging economies, CNH Industrial is confirming its 2018 guidance as follows:

  • Net sales of Industrial Activities at approximately \$28 billion;
  • Adjusted diluted EPS(2) between \$0.67 and \$0.71 per share. In light of the 2018 third quarter earnings results, current expectations are at the high end of the range;
  • Net industrial debt at the end of 2018 between \$0.7 billion and \$0.9 billion.

(1) 2018 guidance does not include any impacts deriving from the gain resulting from the modification of the healthcare plan in the U.S. previously mentioned and anticipated on April 16, 2018, as this gain has been considered non-recurring and therefore treated as an adjusting item for the purpose of the adjusted diluted EPS calculation. In addition, 2018 guidance does not include any impacts deriving from possible further repurchases of Company's shares under the plan authorized by the AGM on April 13, 2018.

(2) Outlook is not provided on diluted EPS, the most comparable GAAP financial measure of this non-GAAP financial measure, as the income or expense excluded from the calculation of adjusted diluted EPS and instead included in the calculation of diluted EPS are, by definition, not predictable and uncertain.

About CNH Industrial

CNH Industrial N.V. (NYSE: CNHI /MI: CNHI) is a global leader in the capital goods sector with established industrial experience, a wide range of products and a worldwide presence. Each of the individual brands belonging to the Company is a major international force in its specific industrial sector: Case IH, New Holland Agriculture and STEYR for tractors and agricultural machinery; CASE and New Holland Construction for earth moving equipment; IVECO for commercial vehicles; IVECO BUS and Heuliez Bus for buses and coaches; IVECO ASTRA for quarry and construction vehicles; Magirus for firefighting vehicles; Iveco Defence Vehicles for defence and civil protection; and FPT Industrial for engines and transmissions. More information can be found on the corporate website: www.cnhindustrial.com

About this Press Release

On January 1, 2018, the Company adopted, on a retrospective basis, updated FASB accounting standards for revenue recognition (ASC 606), retirement benefits accounting (ASU 2017-07) and cash flow presentation (ASU 2016-18). 2017 figures presented in this press release have been recast to reflect the adoption of such updated accounting standards.

Furthermore, concurrently with the change in accounting standards, the Company reviewed the metrics on which the operating segments will be assessed. Effective January 1, 2018, the Chief Operating Decision Maker began to assess segment performance and make decisions about resource allocation based upon Adjusted EBIT and Adjusted EBITDA.

As such, we have introduced Adjusted EBIT and Adjusted EBITDA as new non-GAAP measures in our earnings releases this year. These measures replaced our previous Operating Profit non-GAAP measure. The Company believes Adjusted EBIT and Adjusted EBITDA more fully reflect segment and consolidated profitability. See "Non-GAAP Financial Information" for information about these measures, including how CNH Industrial calculates them.

On April 16, 2018, the Company published a presentation and a webcast to summarize the key impacts on its prior periods' consolidated financial statements deriving from the adoption of the new accounting standards, as well as the introduction of the new metrics Adjusted EBIT and Adjusted EBITDA.

Additional Information

Today, at 3:30 p.m. CET / 2:30 p.m. GMT/ 9:30 a.m. EST, management will hold a conference call to present 2018 third quarter and first nine months results to financial analysts and institutional investors. The call can be followed live online at: http://bit.ly/CNH\_Industrial\_Q3\_2018 and a recording will be available later on the Company's website (www.cnhindustrial.com). A presentation will be made available on the CNH Industrial website prior to the call.

Non-GAAP Financial Information

CNH Industrial monitors its operations through the use of several non-GAAP financial measures. CNH Industrial's management believes that these non-GAAP financial measures provide useful and relevant information regarding its results and allow management and investors to assess CNH Industrial's and our segments' operating trends, financial performance and financial position. Management uses these non-GAAP measures to identify operational trends, as well as make decisions regarding future spending, resource allocations and other operational decisions as they provide additional transparency with respect to our and our business segments' core operations. These non-GAAP financial measures have no standardized meaning presented in U.S. GAAP or EU-IFRS and are unlikely to be comparable to other similarly titled measures used by other companies due to potential differences between the companies in calculations. As a result, the use of these non-GAAP measures has limitations and they should not be considered as substitutes for measures of financial performance and financial position as prepared in accordance with U.S. GAAP and/or EU-IFRS.

CNH Industrial non-GAAP financial measures are defined as follows:

• Adjusted EBIT under U.S. GAAP: is defined as net income (loss) before income taxes, interest expenses of Industrial Activities, net, restructuring expenses, the finance and non-service component of pension and other post-employment benefit costs, foreign exchange gains/(losses), and certain non-recurring items. In particular, non-recurring items are specifically disclosed items that management considers rare or discrete events that are infrequent in nature and not reflective of on-going operational activities.

2018 THIRD QUARTER RESULTS

  • Adjusted EBITDA under U.S. GAAP: is defined as Adjusted EBIT plus depreciation and amortization (including on assets sold under operating leases and assets sold under buy-back commitments).
  • Adjusted EBIT under EU-IFRS: is defined as profit/(loss) before taxes, financial income/(expense) of Industrial Activities, restructuring costs, and certain non-recurring items.
  • Adjusted EBITDA under EU-IFRS: is defined as Adjusted EBIT plus depreciation and amortization (including on assets sold under operating leases and assets sold under buy-back commitments).
  • Adjusted Net Income (Loss): is defined as net income (loss), less restructuring charges and non-recurring items, after tax.
  • Adjusted Diluted EPS: is computed by dividing Adjusted Net Income (loss) attributable to CNH Industrial N.V. by a weighted-average number of common shares outstanding during the period that takes into consideration potential common shares outstanding deriving from the CNH Industrial share-based payment awards, when inclusion is not antidilutive. When we provide guidance for adjusted diluted EPS, we do not provide guidance on a earnings per share basis because the GAAP measure will include potentially significant items that have not yet occurred and are difficult to predict with reasonable certainty prior to year-end.
  • Adjusted Income Taxes: is defined as income taxes less the tax effect of restructuring expenses and non-recurring items and non-recurring tax charges.
  • Adjusted Effective Tax Rate (Adjusted ETR): is computed by dividing a) adjusted income taxes by b) income (loss) before income taxes and equity in income of unconsolidated subsidiaries and affiliates, less restructuring expenses and nonrecurring items.
  • Net Debt and Net Debt of Industrial Activities (or Net Industrial Debt): Net Debt is defined as total debt less intersegment notes receivable, cash and cash equivalents, restricted cash and derivative hedging debt. CNH Industrial provides the reconciliation of Net Debt to Total Debt, which is the most directly comparable measure included in the consolidated balance sheets. Due to different sources of cash flows used for the repayment of the debt between Industrial Activities and Financial Services (by cash from operations for Industrial Activities and by collection of financing receivables for Financial Services), management separately evaluates the cash flow performance of Industrial Activities using Net Debt of Industrial Activities.
  • Available Liquidity: is defined as cash and cash equivalents plus restricted cash and undrawn committed facilities.
  • Change excl. FX or Constant Currency: CNH Industrial discusses the fluctuations in revenues on a constant currency basis by applying the prior year average exchange rates to current year's revenues expressed in local currency in order to eliminate the impact of foreign exchange rate fluctuations.

The tables attached to this press release provide reconciliations of the non-GAAP measures used in this press release to the most directly comparable GAAP measures.

Forward-looking statements

All statements other than statements of historical fact contained in this earning release including statements regarding our competitive strengths; business strategy; future financial position or operating results; budgets; projections with respect to revenue, income, earnings (or loss) per share, capital expenditures, dividends, capital structure or other financial items; costs; and plans and objectives of management regarding operations and products, are forward-looking statements. These statements may include terminology such as "may", "will", "expect", "could", "should", "intend", "estimate", "anticipate", "believe", "outlook", "continue", "remain", "on track", "design", "target", "objective", "goal", "forecast", "projection", "prospects", "plan", or similar terminology. Forward-looking statements are not guarantees of future performance. Rather, they are based on current views and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside our control and are difficult to predict. If any of these risks and uncertainties materialize or other assumptions underlying any of the forward-looking statements prove to be incorrect, the actual results or developments may differ materially from any future results or developments expressed or implied by the forward-looking statements. Factors, risks and uncertainties that could cause actual results to differ materially from those contemplated by the forward-looking statements include, among others: the many interrelated factors that affect consumer confidence and worldwide demand for capital goods and capital goods-related products; general economic conditions in each of our markets; changes in government policies regarding banking, monetary and fiscal policies; legislation, particularly relating to capital goods-related issues such as agriculture, the environment, debt relief and subsidy program policies, trade and commerce and infrastructure development; government policies on international trade and investment, including sanctions, import quotas, capital controls and tariffs; actions of competitors in the various industries in which we compete; development and use of new technologies and technological difficulties; the interpretation of, or adoption of new, compliance requirements with respect to engine emissions,

2018 THIRD QUARTER RESULTS

safety or other aspects of our products; production difficulties, including capacity and supply constraints and excess inventory levels; labor relations; interest rates and currency exchange rates; inflation and deflation; energy prices; prices for agricultural commodities; housing starts and other construction activity; our ability to obtain financing or to refinance existing debt; a decline in the price of used vehicles; the resolution of pending litigation and investigations on a wide range of topics, including dealer and supplier litigation, follow-on private litigation in various jurisdictions after the settlement of the EU antitrust investigation announced on July 19, 2016, intellectual property rights disputes, product warranty and defective product claims, and emissions and/or fuel economy regulatory and contractual issues; our pension plans and other post-employment obligations; political and civil unrest; volatility and deterioration of capital and financial markets, including possible effects of "Brexit", terror attacks in Europe and elsewhere, and other similar risks and uncertainties and our success in managing the risks involved in the foregoing. Further information concerning factors, risks, and uncertainties that could materially affect the Company's financial results is included in our annual report on Form 20-F for the year ended December 31, 2017, prepared in accordance with U.S. GAAP, and in the Company's EU Annual Report at December 31, 2017, prepared in accordance with EU-IFRS. Investors should refer to and consider the incorporated information on risks, factors, and uncertainties in addition to the information presented here.

Forward-looking statements are based upon assumptions relating to the factors described in this earnings release, which are sometimes based upon estimates and data received from third parties. Such estimates and data are often revised. Our actual results could differ materially from those anticipated in such forward-looking statements. Forward-looking statements speak only as of the date on which such statements are made, and we undertake no obligation to update or revise publicly our forward-looking statements. Further information concerning CNH Industrial and its businesses, including factors that potentially could materially affect CNH Industrial's financial results, is included in CNH Industrial's reports and filings with the U.S. Securities and Exchange Commission ("SEC"), the Autoriteit Financiële Markten ("AFM") and Commissione Nazionale per le Società e la Borsa ("CONSOB").

All future written and oral forward-looking statements by CNH Industrial or persons acting on the behalf of CNH Industrial are expressly qualified in their entirety by the cautionary statements contained herein or referred to above.

Contacts

United Kingdom United Kingdom

Richard Gadeselli Federico Donati

Laura Overall United States Tel: +44 207 7660 338

E-mail: [email protected] www.cnhindustrial.com

Media Inquiries Investor Relations

Tel: +44 207 7660 346 Tel: +44 207 7660 386

Noah Weiss Tel: +1 630 887 3745

CNH INDUSTRIAL N.V. Condensed Consolidated Statements of Operations For The Three and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(U.S. GAAP)

Three Months Ended
September 30,
Nine Months Ended
September 30,
(\$ million) 2018 2017(*) 2018 2017(*)
Revenues
Net sales 6,245 6,238 20,124 18,053
Finance, interest and other income 441 451 1,380 1,424
TOTAL REVENUES 6,686 6,689 21,504 19,477
Costs and Expenses
Cost of goods sold 5,162 5,229 16,606 15,104
Selling, general and administrative expenses 523 555 1,706 1,665
Research and development expenses 254 243 743 662
Restructuring expenses 8 53 16 77
Interest expense(1) 189 258 581 710
Other, net(2) 199 250 752 760
TOTAL COSTS AND EXPENSES 6,335 6,588 20,404 18,978
INCOME BEFORE INCOME TAXES AND EQUITY IN INCOME OF
UNCONSOLIDATED SUBSIDIARIES AND AFFILIATES
351 101 1,100 499
Income tax (expense) (131) (62) (312) (223)
Equity in income of unconsolidated subsidiaries and affiliates 11 21 53 66
NET INCOME 231 60 841 342
Net income attributable to noncontrolling interests 9 4 27 12
NET INCOME ATTRIBUTABLE TO CNH INDUSTRIAL N.V. 222 56 814 330
(in \$)
Earnings per share attributable to common shareholders
Basic 0.16 0.04 0.60 0.24
Diluted 0.16 0.04 0.60 0.24
Cash dividends declared per common share - - 0.173 0.118

Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standards for revenue recognition (ASC 606) and retirement benefits accounting (ASU 2017-07).

(1) In the three and nine months ended September 30, 2017, Interest expense included the charge of \$39 million and \$56 million, respectively, related to the repurchase/early redemption of Notes.

(2) In the three and nine months ended September 30, 2018, Other, net includes the pre-tax gain of \$30 million and \$50 million, respectively, related to the modification of a healthcare plan in the U.S.

CNH INDUSTRIAL N.V. Condensed Consolidated Balance Sheets As of September 30, 2018 and December 31, 2017 (Unaudited)

(U.S. GAAP)

(\$ million) September 30, 2018 December 31, 2017(*)
ASSETS
Cash and cash equivalents 4,113 5,430
Restricted cash 708 770
Trade receivables, net 478 496
Financing receivables, net 18,366 19,795
Inventories, net 7,339 6,452
Property, plant and equipment, net 6,050 6,831
Investments in unconsolidated subsidiaries and affiliates 525 561
Equipment under operating leases 1,772 1,845
Goodwill 2,460 2,472
Other intangible assets, net 759 792
Deferred tax assets(1) 662 852
Derivative assets 119 77
Other assets 1,861 1,925
TOTAL ASSETS 45,212 48,298
LIABILITIES AND EQUITY
Debt 23,999 25,895
Trade payables 5,626 6,060
Deferred tax liabilities 93 94
Pension, postretirement and other postemployment benefits(1) 1,613 2,300
Derivative liabilities 115 98
Other liabilities 8,990 9,594
Total Liabilities 40,436 44,041
Redeemable noncontrolling interest 29 25
Equity(1) 4,747 4,232
TOTAL LIABILITIES AND EQUITY 45,212 48,298

Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standard for revenue recognition (ASC 606).

(1) In the nine months ended September 30, 2018, the liability for Pension, postretirement and other postemployment benefits decreased by \$527 million as a result of the modification of a healthcare plan in the U.S., with a corresponding reduction of \$128 million in Deferred tax assets. As a consequence Equity increased by \$399 million.

These Condensed Consolidated Balance Sheets should be read in conjunction with the Company's Audited Consolidated Financial Statements and Notes for the Year Ended December 31, 2017 included in the Annual Report on Form 20-F. These Condensed Consolidated Balance Sheets represent the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V. Condensed Consolidated Statements of Cash Flows For The Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(U.S. GAAP)

Nine Months Ended September 30,
(\$ million) 2018 2017(*)
Operating activities:
Net income 841 342
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization expense, net of assets under operating leases and assets
sold under buy-back commitments
538 540
Depreciation and amortization expense of assets under operating leases and assets sold
under buy-back commitments
478 430
Loss from disposal of assets - 6
Loss on repurchase/early redemption of notes - 56
Undistributed income (loss) of unconsolidated subsidiaries (4) (22)
Other non-cash items 109 114
Changes in operating assets and liabilities:
Provisions (85) 148
Deferred income taxes 7 (81)
Trade and financing receivables related to sales, net 448 28
Inventories, net (848) (596)
Trade payables (35) 232
Other assets and liabilities (253) 2
NET CASH PROVIDED BY OPERATING ACTIVITIES 1,196 1,199
Investing activities:
Additions to retail receivables (3,040) (2,857)
Collections of retail receivables 3,029 3,104
Proceeds from the sale of assets, net of assets under operating leases and assets sold
under buy-back commitments
3 11
Expenditures for property, plant and equipment and intangible assets, net of assets under
operating leases and assets sold under buy-back commitments
(293) (278)
Expenditures for assets under operating leases and assets sold under buy-back
commitments
(959) (1,196)
Other 265 (94)
NET CASH USED IN INVESTING ACTIVITIES (995) (1,310)
Financing activities:
Net decrease in debt (922) (1,085)
Dividends paid (240) (166)
Other (156) (16)
NET CASH USED IN FINANCING ACTIVITIES (1,318) (1,267)
Effect of foreign exchange rate changes on cash and cash equivalents (262) 305
DECREASE IN CASH AND CASH EQUIVALENTS (1,379) (1,073)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 6,200 5,854
CASH AND CASH EQUIVALENTS, END OF PERIOD 4,821 4,781

Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standards for revenue recognition (ASC 606) and cash flow presentation (ASU 2016-18).

These Condensed Consolidated Statements of Cash Flows should be read in conjunction with the Company's Audited Consolidated Financial Statements and Notes for the Year Ended December 31, 2017 included in the Annual Report on Form 20-F. These Condensed Consolidated Statements of Cash Flows represent the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V. Supplemental Statements of Operations For The Three and Nine Months Ended September 30, 2018 and 2017

(Unaudited)

(U.S. GAAP)

Three Months Ended September 30, Industrial Activities
Ended September 30,
Nine Months Three Months Ended September 30, Financial Services
Ended September 30,
Nine Months
(\$ million) 2018 2017(*) 2018 2017(*) 2018 2017(*) 2018 2017(*)
Revenues
Net sales 6,245 6,238 20,124 18,053 - - - -
Finance, interest and other income 23 28 73 93 469 478 1,469 1,492
TOTAL REVENUES 6,268 6,266 20,197 18,146 469 478 1,469 1,492
Costs and Expenses
Cost of goods sold 5,162 5,229 16,606 15,104 - - - -
Selling, general and administrative
expenses
481 491 1,553 1,480 42 64 153 185
Research and development expenses 254 243 743 662 - - - -
Restructuring expenses 8 53 16 75 - - - 2
Interest expense 102 172 333 461 138 141 410 409
Other, net 24 96 228 224 175 154 524 537
TOTAL COSTS AND EXPENSES 6,031 6,284 19,479 18,006 355 359 1,087 1,133
INCOME (LOSS) BEFORE INCOME
TAXES AND EQUITY IN INCOME OF
UNCONSOLIDATED SUBSIDIARIES
AND AFFILIATES
237 (18) 718 140 114 119 382 359
Income tax (expense) (100) (22) (202) (104) (31) (40) (110) (119)
Equity in income of unconsolidated
subsidiaries and affiliates
2 14 28 46 9 7 25 20
Results from intersegment investments 92 86 297 260 - - - -
NET INCOME 231 60 841 342 92 86 297 260

Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standards for revenue recognition (ASC 606) and retirement benefits accounting (ASU 2017-07).

These Supplemental Statements of Operations are presented for informational purposes. The supplemental Industrial Activities data in these statements (with Financial Services on the equity basis) include CNH Industrial N.V.'s Agricultural Equipment, Construction Equipment, Commercial Vehicles and Powertrain segments, as well as Corporate functions. The supplemental Financial Services data in these statements refer to CNH Industrial N.V.'s Financial Services segment. Transactions between Industrial Activities and Financial Services have been eliminated to arrive at the consolidated financial statements.

CNH INDUSTRIAL N.V. Supplemental Balance Sheets As of September 30, 2018 and December 31, 2017 (Unaudited)

(U.S. GAAP)

Industrial Activities Financial Services
(\$ million) September 30,
2018
December 31,
2017(*)
September 30,
2018
December 31,
2017(*)
ASSETS
Cash and cash equivalents 3,549 4,901 564 529
Restricted cash - - 708 770
Trade receivables 478 490 31 53
Financing receivables 1,161 1,718 19,283 20,699
Inventories, net 7,131 6,236 208 216
Property, plant and equipment, net 6,048 6,829 2 2
Investments in unconsolidated subsidiaries and
affiliates
3,193 3,173 215 205
Equipment under operating leases 37 35 1,735 1,810
Goodwill 2,306 2,316 154 156
Other intangible assets, net 746 779 13 13
Deferred tax assets 627 869 160 198
Derivative assets 116 73 10 14
Other assets 1,645 1,742 291 358
TOTAL ASSETS 27,037 29,161 23,374 25,023
LIABILITIES AND EQUITY
Debt 6,627 7,443 19,449 21,075
Trade payables 5,523 5,936 143 193
Deferred tax liabilities 9 94 211 215
Pension, postretirement and other postemployment
benefits
1,583 2,280 30 20
Derivative liabilities 97 88 25 20
Other liabilities 8,422 9,063 635 686
Total Liabilities 22,261 24,904 20,493 22,209
Redeemable noncontrolling interest 29 25 - -
Equity 4,747 4,232 2,881 2,814
TOTAL LIABILITIES AND EQUITY 27,037 29,161 23,374 25,023

Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standard for revenue recognition (ASC 606).

These Supplemental Balance Sheets are presented for informational purposes. The supplemental Industrial Activities data in these statements (with Financial Services on the equity basis) include CNH Industrial N.V.'s Agricultural Equipment, Construction Equipment, Commercial Vehicles and Powertrain segments, as well as Corporate functions. The supplemental Financial Services data in these statements refer to CNH Industrial N.V.'s Financial Services segment. Transactions between Industrial Activities and Financial Services have been eliminated to arrive at the consolidated financial statements.

CNH INDUSTRIAL N.V. Supplemental Statements of Cash Flows For The Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(U.S. GAAP)

Industrial Activities Financial Services
(\$ million) Nine Months Ended
September 30,
Nine Months Ended
September 30,
Operating activities: 2018 2017(*) 2018 2017(*)
Net income 841 342 297 260
Adjustments to reconcile net income (loss) to net cash provided by
(used in) operating activities:
Depreciation and amortization expense, net of assets under operating
leases and assets sold under buy-back commitments
535 536 3 4
Depreciation and amortization expense of assets under operating
leases and assets sold under buy-back commitments
293 232 185 198
Loss from disposal of assets - 6 - -
Loss on repurchase/early redemption of notes - 56 - -
Undistributed loss of unconsolidated subsidiaries (147) (4) (25) (20)
Other non-cash items 80 54 29 60
Changes in operating assets and liabilities:
Provisions (88) 150 3 (2)
Deferred income taxes (8) (85) 15 4
Trade and financing receivables related to sales, net (56) 89 513 (53)
Inventories, net (1,186) (940) 338 344
Trade payables (10) 228 (36) 3
Other assets and liabilities (306) (72) 55 67
NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES (52) 592 1,377 865
Investing activities:
Additions to retail receivables - - (3,040) (2,857)
Collections of retail receivables - - 3,029 3,104
Proceeds from the sale of assets, net of assets sold under operating
leases and assets sold under buy-back commitments
3 11 - -
Expenditures for property, plant and equipment and intangible assets,
net of assets under operating leases and assets sold under buy-back
(288) (277) (5) (1)
commitments
Expenditures for assets under operating leases and assets sold under
buy-back commitments (505) (717) (454) (479)
Other 696 (156) (470) 17
NET CASH USED IN INVESTING ACTIVITIES (94) (1,139) (940) (216)
Financing activities:
Net decrease in debt (603) (616) (319) (469)
Dividends paid (240) (166) (129) (258)
Other (156) (16) 39 45
NET CASH USED IN FINANCING ACTIVITIES (999) (798) (409) (682)
Effect of foreign exchange rate changes on cash and cash equivalents (207) 265 (55) 40
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (1,352) (1,080) (27) 7
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 4,901 4,649 1,299 1,205
CASH AND CASH EQUIVALENTS, END OF PERIOD 3,549 3,569 1,272 1,212

Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standards for revenue recognition (ASC 606) and cash flow presentation (ASU 2016-18).

These Supplemental Statements of Cash Flows are presented for informational purposes. The supplemental Industrial Activities data in these statements (with Financial Services on the equity basis) include CNH Industrial N.V.'s Agricultural Equipment, Construction Equipment, Commercial Vehicles and Powertrain segments, as well as Corporate functions. The supplemental Financial Services data in these statements refer to CNH Industrial N.V.'s Financial Services segment. Transactions between Industrial Activities and Financial Services have been eliminated to arrive at the consolidated financial statements.

CNH INDUSTRIAL N.V.

Other Supplemental Financial Information

(Unaudited)

CNH INDUSTRIAL

Reconciliation of Net Income to Adjusted EBIT and Adjusted EBITDA by segment under U.S. GAAP

(\$ million)
Three Months ended September 30, 2018
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income(1) 139 92 231
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
79 - 79
Foreign exchange (gains) losses, net 12 - 12
Finance and non-service component of
Pension and other post-employment
benefit costs(2)
(17) - (17)
Income tax expense 100 31 131
Adjustments:
Restructuring expenses 3 - 5 - - 8 -
Adjusted EBIT 196 26 68 82 (51) 321 123 444
Depreciation and Amortization 75 15 53 31 - 174 - 174
Depreciation of assets under operating
leases and assets sold with buy-back
commitments
1 - 95 - - 96 59 155
Adjusted EBITDA 272 41 216 113 (51) 591 182 773
Three Months ended September 30, 2017
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income (loss)(1) (26) 86 60
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
144 - 144
Foreign exchange (gains) losses, net 41 - 41
Finance and non-service component of
Pension and other post-employment
benefit costs
24 - 24
Income tax expense 22 40 62
Adjustments:
Restructuring expenses 2 - 51 - - 53 - 53
Adjusted EBIT 173 2 43 88 (48) 258 126 384
Depreciation and Amortization 82 16 54 32 - 184 2 186
Depreciation of assets under operating
leases and assets sold with buy-back
commitments
- - 80 - - 80 70 150
Adjusted EBITDA 255 18 177 120 (48) 522 198 720

(1) For Industrial Activities, net income net of "Results from intersegment investments".

(2) This item includes the pre-tax gain of \$30 million as a result of the amortization over approximately 4.5 years of the \$527 million positive impact from the modification of a healthcare plan in the U.S.

CNH INDUSTRIAL N.V.

Other Supplemental Financial Information

(Unaudited)

CNH INDUSTRIAL

Reconciliation of Net Income to Adjusted EBIT and Adjusted EBITDA by segment under U.S. GAAP

Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
544 297 841
260 - 260
134 - 134
(3) - (3)
202 110 312
4 - 11 1 - 16 - 16
778 59 209 285 (178) 1,153 407 1,560
229 46 161 98 1 535 3 538
2 - 291 - - 293 185 478
1,009 105 661 383 (177) 1,981 595 2,576
Nine Months ended September 30, 2018
Nine Months ended September 30, 2017
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income(1) 82 260 342
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
368 - 368
Foreign exchange (gains) losses, net 97 - 97
Finance and non-service component of
Pension and other post-employment
benefit costs
69 - 69
Income tax expense 104 119 223
Adjustments:
Restructuring expenses 12 4 58 1 - 75 2 77
Adjusted EBIT 549 (22) 132 259 (123) 795 381 1,176
Depreciation and Amortization 237 48 158 93 - 536 4 540
Depreciation of assets under operating
leases and assets sold with buy-back
commitments
- - 232 - - 232 198 430
Adjusted EBITDA 786 26 522 352 (123) 1,563 583 2,146

(1) For Industrial Activities, net income net of "Results from intersegment investments".

(2) This item includes the pre-tax gain of \$50 million as a result of the amortization over approximately 4.5 years of the \$527 million positive impact from the modification of a healthcare plan in the U.S.

CNH INDUSTRIAL N.V. Other Supplemental Financial Information

(Unaudited)

CNH INDUSTRIAL
Reconciliation of Total Debt to Net debt under U.S. GAAP (\$ million)
Consolidated Industrial Activities Financial Activities
September 30,
2018
December 31,
2017
September 30,
2018
December 31,
2017
September 30,
2018
December 31,
2017
Third party debt 23,999 25,895 5,651 6,461 18,348 19,434
Intersegment notes payable - - 976 982 1,101 1,641
Total Debt(1) 23,999 25,895 6,627 7,443 19,449 21,075
Less:
Cash and cash equivalents
4,113 5,430 3,549 4,901 564 529
Restricted cash 708 770 - - 708 770
Intersegment notes receivable - - 1,101 1,641 976 982
Derivatives hedging debt (12) (7) (12) (7) - -
Net debt (cash)(2) 19,190 19,702 1,989 908 17,201 18,794

(1) Total Debt of Industrial Activities includes Intersegment notes payable to Financial Services of \$976 million and \$982 million as of September 30, 2018 and December 31, 2017, respectively. Total Debt of Financial Services includes Intersegment notes payable to Industrial Activities of \$1,101 million and \$1,641 million as of September 30, 2018 and December 31, 2017, respectively.

(2) The net intersegment receivable/payable balance owed by Financial Services to Industrial Activities was \$125 million and \$659 million as of September 30, 2018 and December 31, 2017, respectively.

CNH INDUSTRIAL

Reconciliation of Cash and cash equivalents to Available liquidity under U.S. GAAP

(\$ million)
September 30, 2018 June 30, 2018 December 31, 2017
Cash and cash equivalents 4,113 4,560 5,430
Restricted cash 708 657 770
Undrawn committed facilities 3,459 3,141 3,180
Available liquidity 8,280 8,358 9,380

CNH INDUSTRIAL

(\$ million) Change in Net industrial debt under U.S. GAAP
Three Months ended September 30, Nine Months ended September 30,
2018
2017
2017 2018
(1,291)
(2,112)
Net industrial (debt)/cash at beginning of period (1,609) (908)
591
522
Adjusted EBITDA of Industrial Activities 1,563 1,981
(175)
(116)
Cash interest and taxes (389) (465)
(95)
(15)
Changes in provisions and similar(1) (191) (374)
(941)
(543)
Change in working capital (1,116) (1,706)
(620)
(152)
Operating cash flow (133) (564)
(130)
(112)
Investments in property, plant and equipment, and
intangible assets(2)
(277) (288)
20
(22)
Other changes 14 (22)
(730)
(286)
Net industrial cash flow (396) (874)
(24)
(12)
Capital increases and dividends(3) (182) (396)
56
(214)
Currency translation differences and other(4) (437) 189
(698)
(512)
Change in Net industrial debt (1,015) (1,081)
(1,989)
(2,624)
Net industrial (debt)/cash at end of period (2,624) (1,989)

(1) Including other cash flow items related to operating lease and buy-back activities.

(2) Excluding assets sold under buy-back commitments and assets under operating leases.

(3) Including share buy-back transactions.

(4) In the three and nine months ended September 30, 2017, this item also included the charge of \$39 million and \$56 million, respectively, related to the repurchase/early redemption of Notes.

CNH INDUSTRIAL N.V. Other Supplemental Financial Information

(Unaudited)

(\$ million, except per share data) Reconciliation of Adjusted net income and Adjusted income tax (expense) to Net income and Income tax
(expense) and calculation of Adjusted diluted EPS and Adjusted ETR under U.S. GAAP
Nine Months ended September 30, Three Months ended September 30,
2018 2017 2018 2017
841 342 Net income 231 60
(34) 133 Adjustments impacting Income before income tax
(expense) and equity in income of unconsolidated
subsidiaries and affiliates (a)
(22) 92
16 (14) Adjustments impacting Income tax (expense) (b) 13 (1)
823 461 Adjusted net income 222 151
796 449 Adjusted net income attributable to CNH Industrial N.V. 213 147
1,362 1,366 Weighted average shares outstanding – diluted (million) 1,358 1,367
0.58 0.33 Adjusted diluted EPS (\$) 0.16 0.11
1,100 499 Income before income tax (expense) and equity in
income of unconsolidated subsidiaries and affiliates
351 101
(34) 133 Adjustments impacting Income before income tax
(expense) and equity in income of unconsolidated
subsidiaries and affiliates (a)
(22) 92
1,066 632 Adjusted income before income tax (expense) and
equity in income of unconsolidated subsidiaries and
affiliates (A)
329 193
(312) (223) Income tax (expense) (131) (62)
16 (14) Adjustments impacting Income tax (expense) (b) 13 (1)
(296) (237) Adjusted income tax (expense) (B) (118) (63)
28% 38% Adjusted Effective Tax Rate (Adjusted ETR) (C=B/A) 36% 33%
a)
affiliates
Adjustments impacting Income before income tax (expense) and equity in income of unconsolidated subsidiaries and
16 77 Restructuring expenses 8 53
- 56 Cost of repurchase/early redemption of notes - 39
(50) - Pre-tax gain related to the modification of a healthcare
plan in the U.S.
(30)
(34) 133 Total (22) 92
b)
Adjustment impacting Income tax (expense)
11 (14) Tax effect of adjustments impacting Income before
income tax (expense) and equity in income of
unconsolidated subsidiaries and affiliates
8 (1)
12 - Valuation allowance on deferred tax assets 12
(7) - Adjustment to the 2017 impact of U.S. tax reform (7)
16 (14) Total 13 (1)

CNH INDUSTRIAL N.V. Other Supplemental Financial Information (Unaudited)

(\$ million) CNH INDUSTRIAL
Revenues by Segment under EU-IFRS
Three Months ended September 30, Nine Months ended September 30,
2017 2018 2018
2017
% change
2,547 2,681 Agricultural Equipment 13.5 7,553 8,572
618 726 Construction Equipment 24.7 1,770 2,207
2,573 2,395 Commercial Vehicles 6.6 7,296 7,779
1,075 961 Powertrain 4.8 3,213 3,366
(574) (487) Eliminations and other - (1,777) (1,768)
6,239 6,276 Total Industrial Activities 11.6 18,055 20,156
478 471 Financial Services -1.4 1,492 1,471
(47) (43) Eliminations and other - (128) (140)
6,670 6,704 Total 10.6 19,419 21,487
CNH INDUSTRIAL Adjusted EBIT(1)(2) by Segment under EU-IFRS (\$ million)
Nine Months ended September 30, Three Months ended September 30,
2018 2017 \$
change
2018
adjusted
EBIT
margin
2017
adjusted
EBIT
margin
2018 2017 \$
change
2018
adjusted
EBIT
margin
2017
adjusted
EBIT
margin
776 503 273 9.1% 6.7% Agricultural Equipment 221 157 64 8.2% 6.2%
41 (48) 89 1.9% (2.7)% Construction Equipment 21 (5) 26 2.9% (0.8)%
214 122 92 2.8% 1.7% Commercial Vehicles 71 49 22 3.0% 1.9%
281 251 30 8.3% 7.8% Powertrain 83 88 -5 8.6% 8.2%
(190) (126) -64 - - Unallocated items,
eliminations and other
(59) (51) -8 - -
1,122 702 420 5.6% 3.9% Total Industrial Activities 337 238 99 5.4% 3.8%
412 381 31 28.0% 25.5% Financial Services 125 126 -1 26.5% 26.4%
- - - - - Eliminations and other - - - - -
1,534 1,083 451 7.1% 5.6% Total 462 364 98 6.9% 5.5%

(1) Concurrently with the changes following the adoption of the new accounting standards, the Company reviewed the metrics on which the operating segments will be assessed. Starting in 2018, the Chief Operating Decision Maker began to assess segment performance and make decisions about resource allocation based upon Adjusted EBIT and Adjusted EBITDA.

(2) This item is a non-GAAP financial measure. Refer to the "About this Press Release" and "Non-GAAP Financial Information" sections of this press release for information regarding non-GAAP financial measures.

CNH INDUSTRIAL N.V. Other Supplemental Financial Information (Unaudited)

CNH INDUSTRIAL
Adjusted EBITDA(1)(2) by Segment under EU-IFRS (\$ million)
Nine Months ended September 30, Three Months ended September 30,
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
1,183 905 278 13.8% 12.0% Agricultural Equipment 351 292 59 13.1% 11.5%
123 41 82 5.6% 2.3% Construction Equipment 48 24 24 6.6% 3.9%
775 619 156 10.0% 8.5% Commercial Vehicles 255 220 35 10.6% 8.6%
412 376 36 12.2% 11.7% Powertrain 124 132 -8 12.9% 12.3%
(189) (126) -63 - - Unallocated items,
eliminations and other
(59) (51) -8 - -
2,304 1,815 489 11.4% 10.1% Total Industrial Activities 719 617 102 11.5% 9.9%
600 584 16 40.8% 39.1% Financial Services 184 198 -14 39.1% 41.4%
- - - - - Eliminations and other - - - - -
2,904 2,399 505 13.5% 12.4% Total 903 815 88 13.5% 12.2%

(1) Concurrently with the changes following the adoption of the new accounting standards, the Company reviewed the metrics on which the operating segments will be assessed. Starting in 2018, the Chief Operating Decision Maker began to assess segment performance and make decisions about resource allocation based upon Adjusted EBIT and Adjusted EBITDA.

(2) This item is a non-GAAP financial measure. Refer to the "About this Press Release" and "Non-GAAP Financial Information" sections of this press release for information regarding non-GAAP financial measures.

CNH INDUSTRIAL

Key Balance Sheet data under EU-IFRS (\$ million)
September 30, 2018 June 30, 2018 December 31, 2017
Total Assets 47,629 48,912 50,798
Total Equity 6,991 6,971 6,684
Equity attributable to CNH Industrial N.V. 6,966 6,948 6,671
Net debt (19,264) (19,223) (19,835)
Of which Net industrial debt(1) (1,981) (1,356) (1,023)

(1) This item is a non-GAAP financial measure. Refer to the "About this Press Release" and "Non-GAAP Financial Information" sections of this press release for information regarding non-GAAP financial measures.

CNH INDUSTRIAL N.V. Other Supplemental Financial Information (Unaudited)

Nine Months ended September 30, Three Months ended September 30,
2018 2017 2018 2017
841 342 Net income in accordance with U.S. GAAP 231 60
Adjustments to conform with EU-IFRS:
(38) (80) Development costs (17) (16)
424 39 Other adjustments(1) (89) 13
(111) 21 Tax impact on adjustments(1) 9 13
1 (32) Deferred tax assets and tax contingencies recognition 14 (23)
276 (52) Total adjustments (83) (13)
1,117 290 Profit in accordance with EU-IFRS 148 47

CNH INDUSTRIAL Total Equity reconciliation U.S. GAAP to EU-IFRS (\$ million)

September 30, 2018 December 31, 2017
Total Equity under U.S. GAAP 4,747 4,232
Adjustments to conform with EU-IFRS:
Development costs 2,354 2,477
Other adjustments (179) (112)
Tax impact on adjustments (591) (645)
Deferred tax assets and tax contingencies recognition 660 732
Total adjustments 2,244 2,452
Total Equity under EU-IFRS 6,991 6,684

Translation of financial statements denominated in a currency other than the U.S. dollar

The principal exchange rates used to translate into U.S. dollars the financial statements prepared in currencies other than the U.S. dollar were as follows:

Nine Months Ended September 30, 2018 At December 31, 2017 Nine Months Ended September 30, 2017
Average At September 30 Average At September 30
Euro 0.837 0.864 0.834 0.898 0.847
Pound sterling 0.740 0.767 0.740 0.784 0.747
Swiss franc 0.972 0.978 0.976 0.983 0.970
Polish zloty 3.558 3.695 3.483 3.829 3.646
Brazilian real 3.598 4.020 3.313 3.173 3.188
Canadian dollar 1.287 1.301 1.254 1.306 1.244
Turkish lira 4.614 6.017 3.791 3.593 3.559

CNH INDUSTRIAL N.V. Condensed Consolidated Income Statement(*) For The Three and Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(EU-IFRS)

Three Months Ended
September 30,
Nine Months Ended
September 30,
(\$ million) 2018 2017(**) 2018 2017(**)
Net revenues 6,704 6,670 21,487 19,419
Cost of sales 5,418 5,495 17,416 15,972
Selling, general and administrative costs 527 535 1,685 1,609
Research and development costs 278 265 804 760
Result from investments: 11 23 55 71
Share of the profit/(loss) of investees accounted for using the
equity method
11 23 55 71
Other income/(expenses) from investments - - - -
Gains/(losses) on the disposal of investments (1) - (1) -
Restructuring costs 7 53 17 76
Other income/(expenses)(1) (29) (34) 425 (66)
Financial income/(expenses)(2) (199) (191) (505) (483)
PROFIT/(LOSS) BEFORE TAXES 256 120 1,539 524
Income tax (expense) (108) (73) (422) (234)
PROFIT/(LOSS) FROM CONTINUING OPERATIONS 148 47 1,117 290
PROFIT/(LOSS) FOR THE PERIOD 148 47 1,117 290
PROFIT/(LOSS) FOR THE PERIOD ATTRIBUTABLE TO:
Owners of the parent 140 44 1,091 279
Non-controlling interests 8 3 26 11
(in \$)
BASIC EARNINGS/(LOSS) PER COMMON SHARE(3) 0.10 0.03 0.80 0.20
DILUTED EARNINGS/(LOSS) PER COMMON SHARE(3) 0.10 0.03 0.80 0.20

Notes:

(*) Concurrently with the changes following the adoption of the new accounting standards, CNH Industrial reviewed the metrics on which the operating segments will be assessed. Starting in 2018, the Chief Operating Decision Maker began to assess segment performance and make decision about resource allocation based upon Adjusted EBIT and Adjusted EBITDA. As a consequence, CNH Industrial no longer reports Trading Profit and Operating Profit on the face of the Income Statement.

(**) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standard for revenue recognition (IFRS 15).

(1) In the nine months ended September 30, 2018, Other income/(expenses) includes the pre-tax gain of \$527 million related to the modification of a healthcare plan in the U.S.

(2) In the three and nine months ended September 30, 2017, Financial income/(expenses) included the charge of \$39 million and \$56 million, respectively, related to the early redemption of Notes.

(3) In the nine months ended September 30, 2018, basic and diluted earnings per common share include the positive impact of \$399 million, net of taxes, of the pre-tax gain of \$527 million related to the modification of a healthcare plan in the U.S. Excluding this impact, basic and diluted earnings per common share would have been \$0.51.

This Condensed Consolidated Income Statement should be read in conjunction with the Company's Audited Consolidated Financial Statements and Notes for the Year Ended December 31, 2017 included in the EU Annual Report. This Condensed Consolidated Income Statement represents the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V. Condensed Consolidated Statement of Financial Position As of September 30, 2018, December 31, 2017 and January 1, 2017 (Unaudited)

(EU-IFRS)

(\$ million) September 30, 2018 December 31, 2017(*) January 1, 2017(*)
ASSETS
Intangible assets 5,482 5,644 5,504
Property, plant and equipment 6,091 6,830 6,278
Investments and other financial assets: 579 631 554
Investments accounted for using the equity method 545 590 505
Other investments and financial assets 34 41 49
Leased assets 1,772 1,845 1,907
Defined benefit plan assets 24 28 5
Deferred tax assets(1) 883 982 997
Total Non-current assets 14,831 15,960 15,245
Inventories 7,283 6,453 5,729
Trade receivables 474 496 623
Receivables from financing activities 18,365 19,795 18,614
Current tax receivables 306 303 430
Other current assets 1,420 1,501 1,234
Current financial assets: 119 77 95
Current securities - - -
Other financial assets 119 77 95
Cash and cash equivalents 4,821 6,200 5,854
Total Current assets 32,788 34,825 32,579
Assets held for sale 10 13 22
TOTAL ASSETS 47,629 50,798 47,846
EQUITY AND LIABILITIES
Issued capital and reserves attributable to owners of the parent 6,966 6,671 6,497
Non-controlling interests 25 13 10
Total Equity(1) 6,991 6,684 6,507
Provisions: 5,097 5,977 5,351
Employee benefits(1) 1,841 2,587 2,532
Other provisions 3,256 3,390 2,819
Debt: 24,089 26,014 25,434
Asset-backed financing 11,081 12,028 11,784
Other debt 13,008 13,986 13,650
Other financial liabilities 115 98 249
Trade payables 5,626 6,060 5,185
Current tax payables 134 86 229
Deferred tax liabilities 213 138 186
Other current liabilities 5,364 5,741 4,705
Liabilities held for sale - - -
Total Liabilities 40,638 44,114 41,339
TOTAL EQUITY AND LIABILITIES 47,629 50,798 47,846
Notes:

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standard for revenue recognition (IFRS 15).

(1) In the nine months ended September 30, 2018, the provision for Employee benefits decreased by \$527 million as a result of the modification of a healthcare plan in the U.S., with a corresponding reduction of \$128 million in Deferred tax assets. As a consequence Total Equity increased by \$399 million.

This Condensed Consolidated Statement of Financial Position should be read in conjunction with the Company's Audited Consolidated Financial Statements and Notes for the Year Ended December 31, 2017 included in the EU Annual Report. This Condensed Consolidated Statement of Financial Position represents the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V. Condensed Consolidated Statement of Cash Flows For The Nine Months Ended September 30, 2018 and 2017 (Unaudited)

(EU-IFRS)

Nine Months Ended September 30,
(\$ million) 2018 2017(*)
A) CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD
B) CASH FLOWS FROM/(USED IN) OPERATING ACTIVITIES:
6,200 5,854
Profit/(loss) for the period 1,117 290
Amortization and depreciation (net of vehicles sold under buy-back commitments and
operating leases) 892 885
(Gains)/losses on disposal of non-current assets (net of vehicles sold under buy-back
commitments)
- 6
Other non-cash items (1) (2)
Loss on repurchase/early redemption of notes - 56
Dividends received 49 42
Change in provisions (617) 87
Change in deferred income taxes 108 (89)
Change in items due to buy-back commitments(1) 24 24
Change in operating lease items(2) 59 47
Change in working capital (1,467) (848)
TOTAL 164 498
C) CASH FLOWS FROM/(USED IN) INVESTMENT ACTIVITIES:
Investments in:
Property, plant and equipment and intangible assets (net of vehicles sold under buy
back commitments and operating leases)
(613) (550)
Consolidated subsidiaries and other equity investments - (7)
Proceeds from the sale of non-current assets (net of vehicles sold under buy-back
commitments)
8 10
Net change in receivables from financing activities 443 237
Change in current securities - -
Other changes 231 (161)
TOTAL 69 (471)
D) CASH FLOWS FROM/(USED IN) FINANCING ACTIVITIES:
Net change in debt and other financial assets/liabilities (936) (1,223)
Capital increase - 13
Dividends paid (240) (166)
(Purchase)/sale of treasury shares (156) (29)
(Purchase)/sale of ownership interests in subsidiaries - -
TOTAL (1,332) (1,405)
Translation exchange differences (280) 305
E) TOTAL CHANGE IN CASH AND CASH EQUIVALENTS (1,379) (1,073)
F) CASH AND CASH EQUIVALENTS AT END OF PERIOD 4,821 4,781

Notes:

These Condensed Consolidated Statement of Cash Flows should be read in conjunction with the Company's Audited Consolidated Financial Statements and Notes for the Year Ended December 31, 2017 included in the EU Annual Report. This Condensed Consolidated Statement of Cash Flows represents the consolidation of all CNH Industrial N.V. subsidiaries.

(*) 2017 figures have been recast following the retrospective adoption, on January 1, 2018, of the updated accounting standard for revenue recognition (IFRS 15).

(1) Cash generated by the sale of vehicles under buy-back commitments, net of the amounts included in Profit/(loss), is recognized under operating activities in a single line item, which includes changes in working capital, capital expenditure, depreciation and impairment losses. The item also includes gains and losses arising from the sale of vehicles subject to buy-back commitments before the end of the agreement and without repossession of the vehicle.

(2) Cash from operating lease is recognized under operating activities in a single line item which includes capital expenditure, depreciation, write-down and changes in inventory.