Investor Presentaiton slide image

Investor Presentaiton

GAAP and Core Results: Annually ($ millions, except per share data) GAAP net income attributable to common shareholders (NIAC) Core net income attributable to common shareholders (1)(2) GAAP earnings per common share (EPS) (diluted, NIAC) Adjusted EPS (1)(2) Return on GAAP common shareholders' equity Core ROTCE (1)(2) GAAP common shareholders' equity per share Adjusted tangible book value per share (Adjusted TBVPS)(1)(2) Efficiency ratio Adjusted efficiency ratio (1)(2) GAAP total net revenue Adjusted total net revenue (1)(2) Pre-provision net revenue Core pre-provision net revenue (1)(2) (1)(2) Effective tax rate 4Q 2023 Preliminary Results 2023 2022 2021 2020 2019 910 $ 1,604 $ 3,003 930 $ 1,929 SA SA $ 3,146 SASA $ 1,085 $ 1,141 $ 1,715 $ 1,472 A A 2.98 $ 5.03 $ 8.22 $ 2.88 S $ 4.34 3.05 $ 6.06 $ 8.61 $ 3.03 $ 3.72 8.3% 13.3% 20.2% 7.7% 12.4% 11.5% 20.5% 24.3% 9.1% 12.0% $ 37.83 $ 35.20 $ 43.58 $ 39.24 $ 38.51 $ 33.34 $ 29.96 $ 38.73 $ 36.05 35.06 62.9% 53.8% 55.6% 47.0% 50.1% 43.7% 57.3% 53.6% 50.3% 47.4% $ 8,214 $ 8,155 $ 8,685 6969 $ 8,428 559 $ 8,206 $ 6,686 $ 6,394 $ 8,381 $ 6,692 $ 6,334 $ 3,051 $ 3,209 $ 3,741 $ 4,075 $ 4,096 4,271 SS $ 2,853 $ 2,965 $ 2,909 $ 2,905 5.6% 26.8% 20.5% 23.2% 12.5% (1) The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre- provision net revenue (Core PPNR), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), Pre-provision net revenue (PPNR), and Tangible Common Equity. These measures are used by management, and we believe are useful to investors in assessing the company's operating performance and capital. Refer to the Definitions of Non-GAAP Financial Measures and Other Key Terms, and Reconciliation to GAAP later in this document. (2) Non-GAAP financial measure - see pages 35-37 for definitions. ally do it right. 3
View entire presentation