Investor Presentaiton
Financial Outlook
4Q 2023 Preliminary Results
Net Interest Margin
(FY | Exit Rate)
Other Revenue
FY 2024
3.25% 3.30% | 3.40% - 3.50%
Incl. ~5 bps impact from pending sale of Ally Lending and Card curtailments
↑ 5-10%
Average Earning Assets
Net Charge Offs
(Consolidated | Retail Auto)
Adj. Noninterest Expense (1)
(Controllable (2) | Total OPEX)
Tax Rate (3)
Flat YoY
1.4-1.5% |~1.9%
↓more than 1% | ↑ less than 1% YoY
18%
Remain confident in medium term outlook
4% NIM, $6 EPS, mid-teens ROTCE
(1) Non-GAAP financial measures. See pages 35-37 for definitions.
(2) Defined as total operating expenses excluding FDIC fees and certain insurance expenses (losses and commissions).
(3) Assumes statutory U.S. Federal tax rate of 21%
ally do it right. 27View entire presentation