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CNH Industrial N.V. Earnings Release 2018

Feb 7, 2019

6229_iss_2019-02-07_83b10f48-e6ee-480f-b5cc-a58219184410.pdf

Earnings Release

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CNH Industrial reported strong Q4 and full year 2018 results. Consolidated revenues of \$29.7 billion, with net income of \$1.1 billion or \$0.78 per share. Net industrial debt(3)(4) at \$0.6 billion

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

  • Industrial Activities net sales in 2018 were up 8% compared to 2017 (up 7% on a constant currency basis), with solid growth in all segments
  • Adjusted EBIT(3)(4) of Industrial Activities increased almost 40% to \$1,585 million, with a 5.7% margin (up 1.3 percentage points). Adjusted EBITDA(3)(4) of Industrial Activities was \$2,671 million, with a 9.6% margin (up 1.1 percentage points)
  • Adjusted net income(3)(4) was \$1,117 million (a \$466 million increase compared to 2017), with adjusted diluted EPS(3)(4) of \$0.80 (up 74% compared to 2017)
  • Net industrial debt at December 31, 2018 was \$0.6 billion, a one third decrease compared to December 31, 2017
  • On December 3, Moody's Investors Service upgraded the senior unsecured ratings of CNH Industrial N.V. and its subsidiaries CNH Industrial Capital LLC and CNH Industrial Finance Europe S.A. from "Ba1" to "Baa3" with a "stable" outlook
  • The Board of Directors is recommending a dividend of €0.18 per common share, or approximately €244 million (~\$278 million), an increase of approximately 30%
  • For 2019, CNH Industrial expects net sales of Industrial Activities at approximately \$28 billion, and adjusted diluted EPS between \$0.84 and \$0.88. Net industrial debt expected between \$0.4 billion and \$0.2 billion
  • As announced on January 14, 2019, the Company has started a strategic assessment of its businesses, including the determination of targets for each of them, which will culminate in the presentation of a new Strategic Business Plan in a Capital Markets Day to be scheduled in the course of 2019
CNH INDUSTRIAL
Summary of Results
(\$ million except EPS)
Year ended December 31, Three Months ended December 31,
2018 2017 Change 2018 2017 Change
29,706 27,701 7.2% Consolidated revenues 8,202 8,224 -0.3%
1,099 290 809 Net income (loss) 258 (52) 310
1,117 651 466 Adjusted net income 294 190 104
0.79 0.20 0.59 Basic EPS (\$) 0.19 (0.04) 0.23
0.78 0.20 0.58 Diluted EPS (\$) 0.19 (0.04) 0.23
0.80 0.46 0.34 Adjusted diluted EPS (\$) 0.21 0.13 0.08

London (UK) - (February 7, 2019) CNH Industrial N.V. (NYSE:CNHI / MI:CNHI) today announced consolidated revenues of \$29,706 million for the full year 2018, up 7% compared to 2017 (up 7% on a constant currency basis). Net sales of Industrial Activities were \$27,831 million for the year, up 8% compared to 2017 (up 7% on a constant currency basis). In the fourth quarter of 2018, consolidated revenues were \$8,202 million, in line with

(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 FOURTH QUARTER AND FULL YEAR RESULTS

the same period in 2017 (up 3% on a constant currency basis). Net sales of Industrial Activities were \$7,707 million in the fourth quarter of 2018, flat compared to the fourth quarter of 2017 (up 3% on a constant currency basis). Net income was \$1,099 million for the full year 2018 and included a pre-tax gain of \$80 million (\$60 million net of tax impact) as a result of the amortization over approximately 4.5 years of the \$527 million positive impact from a healthcare plan modification following the favorable judgment issued by the United States Supreme Court, as previously announced by the Company on April 16, 2018. Net income also included a pretax and tax effected charge of \$22 million related to the repurchase of a portion of the CNH Industrial Finance Europe S.A. 2.875% Notes due 2021. In the fourth quarter of 2018, net income was \$258 million and included a pre-tax gain of \$30 million (\$22 million net of tax impact) related to the amortization of the above-mentioned healthcare plan modification, as well as the pre-tax and tax effected charge of \$22 million related to the repurchase of Notes.

Adjusted net income was \$1,117 million for the full year 2018 compared to \$651 million in 2017. Adjusted diluted EPS in 2018 was \$0.80, up 74% compared to 2017. Adjusted net income was \$294 million for the quarter, up \$104 million compared to the fourth quarter of 2017. Adjusted diluted EPS in the fourth quarter of 2018 was \$0.21, up 62% compared to the fourth quarter of 2017.

Adjusted EBIT of Industrial Activities was up 39% to \$1,585 million for the full year 2018 compared to \$1,143 million in 2017, with an adjusted EBIT margin of 5.7%, up 1.3 percentage points ("p.p."). In the fourth quarter of 2018, adjusted EBIT of Industrial Activities was \$432 million compared to \$348 million in the fourth quarter of 2017, with an adjusted EBIT margin of 5.6%, up 1.1 p.p.

Adjusted EBITDA of Industrial Activities was \$2,671 million for the full year 2018, an increase of \$480 million (or up 22%) compared to 2017. Adjusted EBITDA margin increased 1.1 p.p. to 9.6%. In the fourth quarter of 2018, adjusted EBITDA of Industrial Activities was \$690 million, an increase of \$62 million (or up 10%) compared to 2017. Adjusted EBITDA margin increased 0.9 p.p. to 9.0%.

For the full year 2018, income taxes were \$417 million (\$457 million in 2017). Adjusted income taxes(1)(2) for the full year 2018 were \$402 million (\$345 million in 2017). The adjusted effective tax rate (adjusted ETR)(1)(2) was 27% (38% in 2017). For 2019, the adjusted ETR is expected to be flat compared with 2018.

Net industrial debt of \$0.6 billion at December 31, 2018, down \$1.4 billion and \$0.3 billion compared to September 30, 2018 and December 31, 2017, respectively, as a result of a solid cash flow performance in the fourth quarter, primarily from working capital. Total debt was \$24.4 billion at December 31, 2018, down \$1.5 billion compared to December 31, 2017. The reduction of debt was mainly related to Industrial Activities. At December 31, 2018, available liquidity(1)(2) was \$8.9 billion, down \$0.4 billion compared to December 31, 2017.

On December 3, 2018, Moody's Investor Service upgraded the senior unsecured ratings of CNH Industrial N.V. and its subsidiaries, CNH Industrial Capital LLC and CNH Industrial Finance Europe S.A., from "Ba1" to "Baa3". The outlook is "stable". The Company is now investment grade for all three rating agencies.

During the fourth quarter of 2018, the Company repurchased €268 million of the outstanding CNH Industrial Finance Europe S.A. 2.875% Notes due 2021.

(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)
Year ended December 31, Three Months ended December 31,
2018 2017 %
change
% change
excl. FX(1)
2018 2017 %
change
% change
excl. FX(1)
11,682 10,683 9.4 10.4 Agricultural Equipment 3,155 3,130 0.8 4.6
3,021 2,530 19.4 20.2 Construction Equipment 814 760 7.1 10.0
10,939 10,562 3.6 1.3 Commercial Vehicles 3,151 3,266 -3.5 -1.1
4,565 4,369 4.5 1.4 Powertrain 1,189 1,158 2.7 5.5
(2,376) (2,375) - - Eliminations and other (602) (598) - -
27,831 25,769 8.0 7.3 Total Industrial Activities 7,707 7,716 -0.1 2.9
1,989 2,028 -1.9 -0.5 Financial Services 520 536 -3.0 -0.1
(114) (96) - - Eliminations and other (25) (28) - -
29,706 27,701 7.2 6.7 Total 8,202 8,224 -0.3 2.8

(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

(\$ million) Adjusted EBIT by Segment
Three Months ended December 31, Year ended December 31,
2017
adjusted
EBIT
margin
2018
adjusted
EBIT
margin
\$
change
2017 2018 2017
adjusted
EBIT
margin
2018
adjusted
EBIT
margin
\$
change
2017 2018
7.7% 8.2% 16 242 258 Agricultural Equipment 7.4% 8.9% 245 791 1,036
0.8% 3.9% 26 6 32 Construction Equipment (0.6)% 3.0% 107 (16) 91
1.9% 2.9% 27 63 90 Commercial Vehicles 1.8% 2.7% 104 195 299
8.7% 10.2% 20 101 121 Powertrain 8.2% 8.9% 46 360 406
- - -5 (64) (69) Unallocated items,
eliminations and other
- - -60 (187) (247)
4.5% 5.6% 84 348 432 Total Industrial Activities 4.4% 5.7% 442 1,143 1,585
21.6% 21.0% -7 116 109 Financial Services 24.5% 25.9% 19 497 516
- - - - - Eliminations and other - - - - -
5.6% 6.6% 77 464 541 Total 5.9% 7.1% 461 1,640 2,101
CNH INDUSTRIAL Adjusted EBITDA by Segment (\$ million)
Year ended December 31, Three Months ended December 31,
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
1,339 1,106 233 11.5% 10.4% Agricultural Equipment 330 320 10 10.5% 10.2%
152 49 103 5.0% 1.9% Construction Equipment 47 23 24 5.8% 3.0%
890 735 155 8.1% 7.0% Commercial Vehicles 229 213 16 7.3% 6.5%
536 488 48 11.7% 11.2% Powertrain 153 136 17 12.9% 11.7%
(246) (187) -59 - - Unallocated items,
eliminations and other
(69) (64) -5 - -
2,671 2,191 480 9.6% 8.5% Total Industrial Activities 690 628 62 9.0% 8.1%
767 799 -32 38.6% 39.4% Financial Services 172 216 -44 33.1% 40.3%
- - - - - Eliminations and other - - - - -
3,438 2,990 448 11.6% 10.8% Total 862 844 18 10.5% 10.3%

Agricultural Equipment's net sales increased 9% for the full year 2018 compared to 2017 (up 10% on a constant currency basis). The increase was driven by a sustained price realization performance, coupled with a stabilization of end-user demand in most of our markets, including emerging evidence of a replacement cycle in the row crop sector in North America. In the fourth quarter of 2018, Agricultural Equipment's net sales slightly increased compared to the fourth quarter of 2017 (up 5% on a constant currency basis). Net sales increased in North America due to favorable volume and positive net price realization, partially offset by a decrease in the other regions.

Full year 2018 adjusted EBIT was \$1,036 million, a \$245 million increase compared to \$791 million in 2017, mainly due to positive net price realization and favorable volume in most of our regions, partially offset by the sustained investment in product development, related primarily to precision farming and compliance with Stage V emission regulations. Adjusted EBIT margin increased 1.5 p.p. to 8.9%. In the fourth quarter of 2018, adjusted EBIT was \$258 million, a \$16 million increase compared to the fourth quarter of 2017, primarily due to favorable volume and price realization in excess of raw material and tariffs headwinds. In the fourth quarter of 2018, adjusted EBIT margin was 8.2% compared to 7.7% in the fourth quarter of 2017.

Construction Equipment's net sales increased 19% in the full year 2018 compared to the same period in 2017 (up 20% on a constant currency basis), primarily due to increased end-user demand in all regions and favorable net price realization. In the fourth quarter of 2018, net sales increased 7% compared to the fourth quarter of 2017 (up 10% on a constant currency basis), driven by sustained end-user demand across most regions.

Full year 2018 adjusted EBIT was \$91 million, a \$107 million increase compared to 2017, with an adjusted EBIT margin of 3.0% (up 3.6 p.p. compared to 2017). The increase was due to higher sales volume, favorable mix and positive net price realization more than offsetting raw material cost increases, mainly in North America. In the fourth quarter of 2018, adjusted EBIT was \$32 million, with an adjusted EBIT margin of 3.9%, up 3.1 p.p. Results were primarily impacted by positive net price realization and manufacturing efficiencies, more than offsetting raw material cost increases.

Commercial Vehicles' net sales increased 4% in the full year 2018 compared to 2017 (up 1% on a constant currency basis), as a result of positive pricing and a favorable product mix. In the fourth quarter of 2018, net sales decreased 4% compared to the fourth quarter of 2017 (down 1% on a constant currency basis), as a result of lower volumes, primarily in heavy vehicle trucks in EMEA attributable to an enhanced focus on sales across a more profitable product portfolio, including alternative propulsion vehicles, partially offset by favorable pricing.

Full year 2018 adjusted EBIT was \$299 million, a 53% increase compared to 2017, mainly due to a favorable product mix in light duty trucks and buses, and to the focus on sales of alternative propulsion solutions in heavy duty trucks. Positive price realization in trucks and manufacturing efficiencies also contributed to the improved results. Adjusted EBIT margin increased 0.9 p.p. to 2.7%. In the fourth quarter of 2018, adjusted EBIT was \$90 million (\$63 million in the fourth quarter of 2017), with an adjusted EBIT margin of 2.9% (adjusted EBIT margin of 1.9% in the fourth quarter of 2017). The increase was primarily driven by positive pricing, primarily in the truck product line-up.

Powertrain's net sales increased 5% in the full year of 2018 compared to 2017 (up 1% on a constant currency basis), due to higher sales volume in engine applications. Sales to external customers accounted for 50% of total net sales (48% in 2017). In the fourth quarter of 2018, net sales increased 3% compared to the fourth quarter of 2017 (up 6% on a constant currency basis).

Full year 2018 adjusted EBIT was \$406 million, a \$46 million increase compared to \$360 million in 2017, mainly due to favorable product mix and manufacturing efficiencies, partially offset by higher product development spending. Adjusted EBIT margin increased 0.7 p.p. to 8.9%. In the fourth quarter of 2018, adjusted EBIT was \$121 million (\$101 million in the fourth quarter of 2017), as a result of favorable product mix and manufacturing efficiencies, partially offset by higher product development spending. Adjusted EBIT margin was 10.2%, up 1.5 p.p. compared to the fourth quarter of 2017.

Financial Services' revenues totaled \$1,989 million in the full year 2018, a 2% decrease compared to 2017 (down 1% on a constant currency basis), primarily due to a lower average portfolio balance in North America. In the fourth quarter of 2018, revenues totaled \$520 million, a decrease of 3% compared to the fourth quarter of 2017.

In 2018, retail loan originations (including unconsolidated joint ventures) were \$10.0 billion, up \$0.9 billion compared to 2017. The managed portfolio (including unconsolidated joint ventures) was \$26.3 billion as of December 31, 2018 (of which retail was 62% and wholesale 38%), down \$0.5 billion compared to December 31, 2017. Excluding the impact of currency translation, the managed portfolio increased \$0.7 billion compared to 2017.

Full year 2018 net income was \$385 million, a decrease of \$67 million compared to the same period in 2017, primarily attributable to the one-time tax benefit of \$118 million recorded in 2017 as a result of the write-down of deferred tax liabilities in connection with the enactment of the 2017 U.S. Tax Cut & Jobs Act (the "U.S. Tax Act"). In the fourth quarter of 2018, net income was \$88 million, a decrease of \$104 million compared to the fourth quarter of 2017.

Dividends

The Board of Directors of CNH Industrial N.V. intends to recommend to the Company's shareholders a dividend of €0.18 per common share, representing an increase of approximately 30% over the prior year dividend, and totaling approximately €244 million (~\$278 million). Subject to the approval of shareholders at the upcoming Annual General Meeting (expected on April 12, 2019), the ex-dividend date would be set at April 23, 2019.

2019 Outlook(1)

The performance achieved in 2018 confirms the Company is on track with a profitable growth trajectory, despite a softer macroeconomic and business environment in the second part of the year, caused by escalating trade tensions and related tariffs across global markets, other economic and political uncertainties (including those concerning the outcome of the Brexit negotiations), and a general expectation of a slowdown in global economic growth. In addition, the emerging megatrends in the industries where CNH Industrial competes, such as digitalization, automation, and electrification, entail a re-assessment of the go to market approach and of the capital investment requirements in new technologies for new products and customer solutions.

Subject to this evolving scenario, CNH Industrial is defining 2019 guidance as follows:

  • Net sales of Industrial Activities at approximately \$28 billion;
  • Adjusted diluted EPS(2) up between 5% and 10% to previous year at a range of \$0.84 to \$0.88 per share;
  • Net industrial debt at the end of 2019 between \$0.4 billion and \$0.2 billion.

(1) 2019 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, 2019 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 fourth quarter and full year results to financial analysts and institutional investors. The call can be followed live online at http://bit.ly/CNH\_Industrial\_FYQ4\_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.

  • 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 or benefits.
  • 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 policy; 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;

2018 FOURTH QUARTER AND FULL YEAR RESULTS

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

Laura Overall United States Tel: +44 207 7660 338

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

Media Inquiries Investor Relations

Noah Weiss Tel: +1 630 887 3745

CNH INDUSTRIAL N.V. Condensed Consolidated Statements of Operations For The Three Months and The Years Ended December 31, 2018 and 2017 (Unaudited)

(U.S. GAAP)

Three Months Ended December 31, Years Ended December 31,
(\$ million) 2018 2017(*) 2018 2017(*)
Revenues
Net sales 7,707 7,716 27,831 25,769
Finance, interest and other income 495 508 1,875 1,932
TOTAL REVENUES 8,202 8,224 29,706 27,701
Costs and Expenses
Cost of goods sold 6,352 6,468 22,958 21,572
Selling, general and administrative expenses 645 650 2,351 2,315
Research and development expenses 318 295 1,061 957
Restructuring expenses 45 16 61 93
Interest expense(1) 231 230 812 940
Other, net(2) 245 405 997 1,165
TOTAL COSTS AND EXPENSES 7,836 8,064 28,240 27,042
INCOME BEFORE INCOME TAXES AND EQUITY IN INCOME OF
UNCONSOLIDATED SUBSIDIARIES AND AFFILIATES
366 160 1,466 659
Income tax (expense)(3) (105) (234) (417) (457)
Equity in income of unconsolidated subsidiaries and affiliates (3) 22 50 88
NET INCOME (LOSS) 258 (52) 1,099 290
Net income attributable to noncontrolling interests 4 6 31 18
NET INCOME (LOSS) ATTRIBUTABLE TO CNH INDUSTRIAL N.V. 254 (58) 1,068 272
(in \$)
Earnings per share attributable to common shareholders
Basic 0.19 (0.04) 0.79 0.20
Diluted 0.19 (0.04) 0.78 0.20
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 months and year ended December 31, 2018, Interest expense includes the charge of \$22 million related to the repurchase of notes. In the three months and year ended December 31, 2017, Interest expense included the charge of \$8 million and \$64 million, respectively, related to the repurchase/early redemption of notes.

(2) In the three months and year ended December 31, 2018, Other, net includes the pre-tax gain of \$30 million and \$80 million, respectively, related to the modification of a healthcare plan in the U.S. In the three months and year ended December 31, 2017, Other, net included a non-cash charge of \$92 million due to the deconsolidation of the Venezuelan operations effective December 31, 2017.

(3) In the three months and year ended December 31, 2017, Income tax (expense) included a non-cash tax charge of \$128 million due to the U.S. Act and tax legislation changes in the UK and certain other countries. In 2018, this charge was reduced by \$8 million in accordance with Staff Accounting Bulletin No. 118.

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

(U.S. GAAP)

(\$ million) December 31, 2018 December 31, 2017(*)
ASSETS
Cash and cash equivalents 5,031 5,430
Restricted cash 772 770
Financing receivables, net 19,167 19,795
Inventories, net 6,726 6,452
Property, plant and equipment, net and Equipment under operating leases 7,675 8,676
Intangible assets, net 3,241 3,264
Other receivables and assets(1) 3,488 3,911
TOTAL ASSETS 46,100 48,298
LIABILITIES AND EQUITY
Debt 24,445 25,895
Other payables and liabilities(1) 16,557 18,146
Total Liabilities 41,002 44,041
Redeemable noncontrolling interest 30 25
Equity(1) 5,068 4,232
TOTAL LIABILITIES AND EQUITY 46,100 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 year ended December 31, 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.

CNH INDUSTRIAL N.V. Condensed Consolidated Statements of Cash Flows For The Years Ended December 31, 2018 and 2017 (Unaudited)

(U.S. GAAP)

(\$ million) 2018 2017(*)
Net income 1,099 290
Adjustments to reconcile net income to net cash provided by operating activities 1,455 2,575
NET CASH PROVIDED BY OPERATING ACTIVITIES 2,554 2,865
NET CASH USED IN INVESTING ACTIVITIES (1,920) (1,869)
NET CASH USED IN FINANCING ACTIVITIES (723) (1,045)
Effect of foreign exchange rate changes on cash and cash equivalents (308) 395
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (397) 346
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 6,200 5,854
CASH AND CASH EQUIVALENTS, END OF YEAR 5,803 6,200

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).

CNH INDUSTRIAL N.V. Supplemental Statements of Operations For The Three Months and The Years Ended December 31, 2018 and 2017

(Unaudited)

(U.S. GAAP)

Industrial Activities Financial Services
Three Months Ended December 31, Years Ended
December 31,
Three Months Ended December 31, Years Ended
December 31,
(\$ million) 2018 2017(*) 2018 2017(*) 2018 2017(*) 2018 2017(*)
Revenues
Net sales 7,707 7,716 27,831 25,769 - - - -
Finance, interest and other income 27 29 100 122 520 536 1,989 2,028
TOTAL REVENUES 7,734 7,745 27,931 25,891 520 536 1,989 2,028
Costs and Expenses
Cost of goods sold 6,352 6,468 22,958 21,572 - - - -
Selling, general and administrative
expenses
583 576 2,136 2,056 62 74 215 259
Research and development expenses 318 295 1,061 957 - - - -
Restructuring expenses 45 15 61 90 - 1 - 3
Interest expense 135 143 468 604 148 146 558 555
Other, net 39 196 267 420 206 207 730 744
TOTAL COSTS AND EXPENSES 7,472 7,693 26,951 25,699 416 428 1,503 1,561
INCOME BEFORE INCOME TAXES AND
EQUITY IN INCOME OF
UNCONSOLIDATED SUBSIDIARIES
AND AFFILIATES
262 52 980 192 104 108 486 467
Income tax (expense) (84) (311) (286) (415) (21) 77 (131) (42)
Equity in income of unconsolidated
subsidiaries and affiliates
(8) 15 20 61 5 7 30 27
Results from intersegment investments 88 192 385 452 - - - -
NET INCOME (LOSS) 258 (52) 1,099 290 88 192 385 452

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 December 31, 2018 and 2017 (Unaudited)

(U.S. GAAP)

Industrial Activities Financial Services
December 31, December 31, December 31, December 31,
(\$ million) 2018 2017(*) 2018 2017(*)
ASSETS
Cash and cash equivalents 4,553 4,901 478 529
Restricted cash - - 772 770
Financing receivables, net 1,253 1,718 20,252 20,699
Inventories, net 6,510 6,236 216 216
Property, plant and equipment, net and Equipment
under operating leases 5,933 6,864 1,742 1,812
Intangible assets, net 3,075 3,095 166 169
Other receivables and assets 5,947 6,347 775 828
TOTAL ASSETS 27,271 29,161 24,401 25,023
LIABILITIES AND EQUITY
Debt 6,347 7,443 20,436 21,075
Other payables and liabilities 15,826 17,461 1,148 1,134
Total Liabilities 22,173 24,904 21,584 22,209
Redeemable noncontrolling interest 30 25 - -
Equity 5,068 4,232 2,817 2,814
TOTAL LIABILITIES AND EQUITY 27,271 29,161 24,401 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 Years Ended December 31, 2018 and 2017 (Unaudited)

(U.S. GAAP)

Industrial Activities Financial Services
(\$ million) 2018 2017(*) 2018 2017(*)
Net income 1,099 290 385 452
Adjustments to reconcile net income to net cash provided by (used in)
operating activities
684 2,501 650 (21)
NET CASH PROVIDED BY OPERATING ACTIVITIES 1,783 2,791 1,035 431
NET CASH USED IN INVESTING ACTIVITIES (448) (1,825) (1,512) (90)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES (1,427) (1,075) 480 (281)
Effect of foreign exchange rate changes on cash and cash equivalents (256) 361 (52) 34
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (348) 252 (49) 94
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 4,901 4,649 1,299 1,205
CASH AND CASH EQUIVALENTS, END OF YEAR 4,553 4,901 1,250 1,299

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 December 31, 2018
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income(1) 170 88 258
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
108 - 108
Foreign exchange (gains) losses, net 37 - 37
Finance and non-service component of
Pension and other post-employment
benefit costs(2) (12) - (12)
Income tax expense 84 21 105
Adjustments:
Restructuring expenses 22 1 19 3 - 45 -
Adjusted EBIT 258 32 90 121 (69) 432 109 541
Depreciation and Amortization 72 15 45 32 - 164 1 165
Depreciation of assets under operating
leases and assets sold with buy-back
commitments - - 94 - - 94 62 156
Adjusted EBITDA 330 47 229 153 (69) 690 172 862
Three Months ended December 31, 2017
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income (loss)(1) (244) 192 (52)
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
114 - 114
Foreign exchange (gains) losses, net 27 - 27
Finance and non-service component of
Pension and other post-employment
benefit costs
33 - 33
Income tax expense 311 (77) 234
Adjustments:
Restructuring expenses 2 - 11 2 - 15 1 16
2017 year-end deconsolidation of
Venezuelan operations
- - - - 92 92 - 92
Adjusted EBIT 242 6 63 101 (64) 348 116 464
Depreciation and Amortization 78 17 54 35 - 184 1 185
Depreciation of assets under operating
leases and assets sold with buy-back
commitments
- - 96 - - 96 99 195
Adjusted EBITDA 320 23 213 136 (64) 628 216 844

(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

(\$ million)

Year ended December 31, 2018
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income
(1)
714 385 1,099
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
368 - 368
Foreign exchange (gains) losses, net 171 - 171
Finance and non-service component of
Pension and other post-employment
benefit costs(2)
(15) - (15)
Income tax expense 286 131 417
Adjustments:
Restructuring expenses 26 1 30 4 - 61 - 61
Adjusted EBIT 1,036 91 299 406 (247) 1,585 516 2,101
Depreciation and Amortization 301 61 206 130 1 699 4 703
Depreciation of assets under operating
leases and assets sold with buy-back
commitments
2 - 385 - - 387 247 634
Adjusted EBITDA 1,339 152 890 536 (246) 2,671 767 3,438
Year ended December 31, 2017
Agricultural
Equipment
Construction
Equipment
Commercial
Vehicles
Powertrain Unallocated
items,
eliminations
and other
Total
Industrial
Activities
Financial
Services
Total
Net income (loss)(1) (162) 452 290
Add back:
Interest expenses of Industrial Activities,
net of interest income and eliminations
482 - 482
Foreign exchange (gains) losses, net 124 - 124
Finance and non-service component of
Pension and other post-employment
benefit costs 102 - 102
Income tax expense 415 42 457
Adjustments:
Restructuring expenses 14 4 69 3 - 90 3 93
2017 year-end deconsolidation of
Venezuelan operations
- - - - 92 92 - 92
Adjusted EBIT 791 (16) 195 360 (187) 1,143 497 1,640
Depreciation and Amortization 315 65 212 128 - 720 5 725
Depreciation of assets under operating
leases and assets sold with buy-back
commitments
- - 328 - - 328 297 625
Adjusted EBITDA 1,106 49 735 488 (187) 2,191 799 2,990

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

(2) This item includes the pre-tax gain of \$80 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
December 31,
2018
December 31,
2017
December 31,
2018
December 31,
2017
December 31,
2018
December 31,
2017
Third party debt 24,445 25,895 5,211 6,461 19,234 19,434
Intersegment notes payable - - 1,136 982 1,202 1,641
Total Debt(1) 24,445 25,895 6,347 7,443 20,436 21,075
Less:
Cash and cash equivalents
5,031 5,430 4,553 4,901 478 529
Restricted cash 772 770 - - 772 770
Intersegment notes receivable - - 1,202 1,641 1,136 982
Derivatives hedging debt (8) (7) (8) (7) - -
Net debt (cash)(2) 18,650 19,702 600 908 18,050 18,794

(1) Total Debt of Industrial Activities includes Intersegment notes payable to Financial Services of \$1,136 million and \$982 million as of December 31, 2018 and 2017, respectively. Total Debt of Financial Services includes Intersegment notes payable to Industrial Activities of \$1,202 million and \$1,641 million as of December 31, 2018 and 2017, respectively.

(2) The net intersegment receivable/payable balance owed by Financial Services to Industrial Activities was \$66 million and \$659 million as of December 31, 2018 and 2017, respectively.

CNH INDUSTRIAL

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

(\$ million)
December 31, 2018 December 31, 2017
Cash and cash equivalents 5,031 5,430
Restricted cash 772 770
Undrawn committed facilities 3,135 3,180
Available liquidity 8,938 9,380

CNH INDUSTRIAL

Change in Net industrial debt under U.S. GAAP (\$ million) Year ended December 31, Three Months ended December 31, 2018 2017 2018 2017 (550) (488) Investments in property, plant and equipment, and

(908) (1,609) Net industrial (debt)/cash at beginning of period (1,989) (2,624)
2,671 2,191 Adjusted EBITDA of Industrial Activities 690 628
(613) (481) Cash interest and taxes (148) (92)
(406) (173) Changes in provisions and similar(1) (32) 18
(496) 168 Change in working capital 1,210 1,284
1,156 1,705 Operating cash flow 1,720 1,838
(550) (488) Investments in property, plant and equipment, and
intangible assets(2)
(262) (211)
(50) 73 Other changes (28) 59
556 1,290 Net industrial cash flow 1,430 1,686
(399) (193) Capital increases and dividends(3) (3) (11)
151 (396) Currency translation differences and other(4) (38) 41
308 701 Change in Net industrial debt 1,389 1,716
(600) (908) Net industrial (debt)/cash at end of period (600) (908)

(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 months and year ended December 31, 2018, this item includes the charge of \$22 million related to the repurchase of notes. In the year ended December 31, 2017, this item included the charge of \$56 million related to the repurchase/early redemption of notes.

CNH INDUSTRIAL N.V.

Other Supplemental Financial Information

(Unaudited)

CNH INDUSTRIAL
(\$ 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
Year ended December 31, Three Months ended December 31,
2018 2017 2018 2017
1,099 290 Net income (loss) 258 (52)
3 249 Adjustments impacting Income (loss) before income tax
(expense) and equity in income of unconsolidated
subsidiaries and affiliates (a)
37 116
15 112 Adjustments impacting Income tax (expense) (b) (1) 126
1,117 651 Adjusted net income 294 190
1,085 633 Adjusted net income attributable to CNH Industrial N.V. 289 184
1,361 1,367 Weighted average shares outstanding – diluted (million) 1,357 1,367
0.80 0.46 Adjusted diluted EPS (\$) 0.21 0.13
1,466 659 Income before income tax (expense) and equity in
income of unconsolidated subsidiaries and affiliates
366 160
3 249 Adjustments impacting Income before income tax
(expense) and equity in income of unconsolidated
subsidiaries and affiliates (a)
37 116
1,469 908 Adjusted income before income tax (expense) and
equity in income of unconsolidated subsidiaries and
affiliates (A)
403 276
(417) (457) Income tax (expense) (105) (234)
15 112 Adjustments impacting Income tax (expense) (b) (1) 126
(402) (345) Adjusted income tax (expense) (B) (106) (108)
27% 38% Adjusted Effective Tax Rate (Adjusted ETR) (C=B/A) 26% 39%
a)
affiliates
Adjustments impacting Income before income tax (expense) and equity in income of unconsolidated subsidiaries and
61 93 Restructuring expenses 45 16
22 64 Cost of repurchase/early redemption of notes 22 8
(80) - Pre-tax gain related to the modification of a healthcare
plan in the U.S.
(30)
- 92 2017 year-end deconsolidation of Venezuelan
operations
- 92
3 249 Total 37 116
b)
Adjustment impacting Income tax (expense)
Tax effect of adjustments impacting Income before
11 (16) income tax (expense) and equity in income of
unconsolidated subsidiaries and affiliates
- (2)
12 - Valuation allowance on deferred tax assets -
(8) 128 Tax charges due to the U.S. Act and tax legislation
changes in the UK and certain other countries
(1) 128
15 112 Total (1) 126

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

(\$ million) CNH INDUSTRIAL
Revenues by Segment under EU-IFRS
Three Months ended December 31, Year ended December 31,
2017
% change
2018 % change 2017 2018
3,130
2.7
3,214 Agricultural Equipment 10.3 10,683 11,786
760
7.1
814 Construction Equipment 19.4 2,530 3,021
3,266
-3.4
3,154 Commercial Vehicles 3.5 10,562 10,933
1,158
2.8
1,191 Powertrain 4.3 4,371 4,557
(598)
-
(602) Eliminations and other - (2,375) (2,370)
7,716
0.7
7,771 Total Industrial Activities 8.4 25,771 27,927
536
-2.1
525 Financial Services -1.6 2,028 1,996
(47)
-
(47) Eliminations and other - (175) (187)
8,205
0.5
8,249 Total 7.6 27,624 29,736
2018 2017 \$
change
2018
adjusted
EBIT
margin
2017
adjusted
EBIT
margin
2018 2017 \$
change
2018
adjusted
EBIT
margin
2017
adjusted
EBIT
margin
1,119 712 407 9.5% 6.7% Agricultural Equipment 343 209 134 10.7% 6.7%
69 (51) 120 2.3% (2.0)% Construction Equipment 28 (3) 31 3.4% (0.4)%
314 181 133 2.9% 1.7% Commercial Vehicles 100 59 41 3.2% 1.8%
410 362 48 9.0% 8.3% Powertrain 129 111 18 10.8% 9.6%
(341) (194) -147 - - Unallocated items,
eliminations and other
(151) (68) -83 - -
1,571 1,010 561 5.6% 3.9% Total Industrial Activities 449 308 141 5.8% 4.0%
532 497 35 26.7% 24.5% Financial Services 120 116 4 22.9% 21.6%
- - - - - Eliminations and other - - - - -
2,103 1,507 596 7.1% 5.5% Total 569 424 145 6.9% 5.2%
CNH INDUSTRIAL Adjusted EBIT(1)(2) by Segment under EU-IFRS
Year ended December 31,
(\$ million) Three Months ended December 31,

(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)
Year ended December 31, Three Months ended December 31,
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
2018 2017 \$
change
2018
adjusted
EBITDA
margin
2017
adjusted
EBITDA
margin
1,662 1,249 413 14.1% 11.7% Agricultural Equipment 479 344 135 14.9% 11.0%
176 67 109 5.8% 2.6% Construction Equipment 53 26 27 6.5% 3.4%
1,064 893 171 9.7% 8.5% Commercial Vehicles 289 274 15 9.2% 8.4%
594 531 63 13.0% 12.1% Powertrain 182 155 27 15.3% 13.4%
(339) (193) -146 - - Unallocated items,
eliminations and other
(150) (67) -83 - -
3,157 2,547 610 11.3% 9.9% Total Industrial Activities 853 732 121 11.0% 9.5%
783 799 -16 39.2% 39.4% Financial Services 183 215 -32 34.9% 40.1%
- - - - - Eliminations and other - - - - -
3,940 3,346 594 13.2% 12.1% Total 1,036 947 89 12.6% 11.5%

(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

Key Balance Sheet data under EU-IFRS (\$ million)
December 31, 2018 December 31, 2017
Total Assets 48,650 50,798
Total Equity 7,472 6,684
Equity attributable to CNH Industrial N.V. 7,443 6,671
Net debt (18,750) (19,835)
Of which Net industrial debt(1) (640) (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)

Year ended December 31, Three Months ended December 31,
2018 2017 2018 2017
1,099 290 Net income (loss) in accordance with U.S. GAAP 258 (52)
Adjustments to conform with EU-IFRS:
(30) (92) Development costs 8 (12)
428 86 Other adjustments(1) 4 47
(87) 99 Tax impact on adjustments(1) 24 78
(11) 73 Deferred tax assets and tax contingencies recognition (12) 105
300 166 Total adjustments 24 218
1,399 456 Profit in accordance with EU-IFRS 282 166

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

December 31, 2018 December 31, 2017
Total Equity under U.S. GAAP 5,068 4,232
Adjustments to conform with EU-IFRS:
Development costs 2,344 2,477
Other adjustments (65) (112)
Tax impact on adjustments (529) (645)
Deferred tax assets and tax contingencies recognition 654 732
Total adjustments 2,404 2,452
Total Equity under EU-IFRS 7,472 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:

Average 2018 At December 31, 2018 Average 2017 At December 31, 2017
Euro 0.847 0.873 0.885 0.834
Pound sterling 0.749 0.781 0.776 0.740
Swiss franc 0.978 0.984 0.984 0.976
Polish zloty 3.609 3.757 3.768 3.483
Brazilian real 3.648 3.881 3.192 3.313
Canadian dollar 1.295 1.363 1.297 1.254
Turkish lira 4.833 5.292 3.648 3.791

CNH INDUSTRIAL N.V. Condensed Consolidated Income Statement(*) For The Three Months and The Years Ended December 31, 2018 and 2017 (Unaudited)

(EU-IFRS)

Three Months Ended December 31, Years Ended December 31,
(\$ million) 2018 2017(**) 2018 2017(**)
Net revenues 8,249 8,205 29,736 27,624
Cost of sales(1) 6,651 6,791 24,067 22,763
Selling, general and administrative costs 687 621 2,372 2,230
Research and development costs 306 338 1,110 1,098
Result from investments: 6 26 61 97
Share of the profit/(loss) of investees accounted for using the
equity method
6 26 61 97
Other income/(expenses) from investments - - - -
Gains/(losses) on the disposal of investments - - (1) -
Restructuring costs 46 15 63 91
Other income/(expenses)(2) (42) (107) 383 (173)
Financial income/(expenses)(3) (148) (143) (653) (626)
PROFIT/(LOSS) BEFORE TAXES 375 216 1,914 740
Income tax (expense)(4) (93) (50) (515) (284)
PROFIT/(LOSS) FROM CONTINUING OPERATIONS 282 166 1,399 456
PROFIT/(LOSS) FOR THE PERIOD 282 166 1,399 456
PROFIT/(LOSS) FOR THE PERIOD ATTRIBUTABLE TO:
Owners of the parent 277 160 1,368 439
Non-controlling interests 5 6 31 17

(in \$)

BASIC EARNINGS/(LOSS) PER COMMON SHARE(5) 0.20 0.12 1.01 0.32
DILUTED EARNINGS/(LOSS) PER COMMON SHARE(5) 0.20 0.12 1.01 0.32

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 three months and year ended December 31, 2017, Cost of sales included the charge of \$8 million related to the early redemption of notes. (2) In the year ended December 31, 2018, Other income/(expenses) includes the pre-tax gain of \$527 million related to the modification of a healthcare plan in the U.S. In the three months and year ended December 31, 2017, this item included a non-cash charge of \$50 million due to the deconsolidation of the Venezuelan operations effective December 31, 2017.

(3) In the three months and year ended December 31, 2018, Financial income/(expenses) includes the charge of \$22 million related to the repurchase of notes. In the year ended December 31, 2017, this item included the charge of \$56 million related to the early redemption of notes.

(4) In the three months and year ended December 31, 2017, Income tax (expense) included a non-cash tax benefit of \$15 million due to the U.S. Act and tax legislation changes in the UK and certain other countries. In 2018, this benefit was reduced by \$8 million in accordance with Staff Accounting Bulletin No. 118.

(5) In the year ended December 31, 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 \$0.71.

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

(EU-IFRS)

(\$ million) December 31, 2018 December 31, 2017() January 1, 2017()
ASSETS
Intangible assets 5,497 5,644 5,504
Property, plant and equipment and Leased assets 7,737 8,675 8,185
Inventories 6,719 6,453 5,729
Receivables from financing activities 19,175 19,795 18,614
Cash and cash equivalents 5,803 6,200 5,854
Other receivables and assets(1) 3,719 4,031 3,960
TOTAL ASSETS 48,650 50,798 47,846
EQUITY AND LIABILITIES
Issued capital and reserves attributable to owners of the
parent 7,443 6,671 6,497
Non-controlling interests 29 13 10
Total Equity(1) 7,472 6,684 6,507
Debt 24,543 26,014 25,434
Other payables and liabilities(1) 16,635 18,100 15,905
Total Liabilities 41,178 44,114 41,339
TOTAL EQUITY AND LIABILITIES 48,650 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 year ended December 31, 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.

CNH INDUSTRIAL N.V. Condensed Consolidated Statement of Cash Flows For The Years Ended December 31, 2018 and 2017 (Unaudited)

(EU-IFRS)

(\$ million) 2018 2017(*)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 6,200 5,854
Profit/(loss) 1,399 456
Adjustments to reconcile profit/(loss) to cash flows from/(used in) operating activities 529 1,986
CASH FLOWS FROM/(USED IN) OPERATING ACTIVITIES 1,928 2,442
CASH FLOWS FROM/(USED IN) INVESTMENT ACTIVITIES (1,316) (1,351)
CASH FLOWS FROM/(USED IN) FINANCING ACTIVITIES (696) (1,140)
Translation exchange differences (313) 395
TOTAL CHANGE IN CASH AND CASH EQUIVALENTS (397) 346
CASH AND CASH EQUIVALENTS AT END OF YEAR 5,803 6,200

Notes:

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