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Investor Presentaiton

Supplemental 4Q 2023 Preliminary Results GAAP to Core Results: Adjusted TBVPS - Annual Adjusted Tangible Book Value per Share ("Adjusted TBVPS") Numerator ($ billions) GAAP shareholder's equity Preferred equity GAAP common shareholder's equity Goodwill and identifiable intangibles, net of DTLS Tangible common equity Tax-effected Core OID balance (21% tax rate starting 4Q17, 35% starting 1Q16; 34% prior) Series G discount Adjusted tangible book value Denominator Issued shares outstanding (period-end, thousands) Metric GAAP shareholder's equity per share Preferred equity per share Goodwill and identifiable intangibles, net of DTLS per share GAAP common shareholder's equity per share Tangible common equity per share Tax-effected Core OID balance (21% tax rate starting 4Q17, 35% starting 1Q16; 34% prior) per share Adjusted tangible book value per share Calculated Impact to Adjusted TBVPS from CECL Day-1 Numerator ($ billions) Adjusted tangible book value CECL Day-1 impact to retained earnings, net of tax Adjusted tangible book value less CECL Day-1 impact Denominator Issued shares outstanding (period-end, thousands) Metric Adjusted TBVPS CECL Day-1 impact to retained earnings, net of tax per share Adjusted tangible book value, less CECL Day-1 impact per share 1Q 20 $ [a] $ 12.2 1.0 13.3 [b] 373,155 $ 32.8 [a] / [b] $ 2.7 35.5 FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 $ 13.8 $ 12.9 $ 17.1 $ 14.7 $ 14.4 $ 13.3 $ 13.5 (2.3) (2.3) (2.3) $ 11.4 $ 10.5 $ 14.7 $ 14.7 14.4 $ 13.3 13.5 (0.7) (0.9) (0.9) (0.4) (0.5) (0.3) (0.3) 10.7 9.6 13.8 14.3 14.0 13.0 13.2 (0.6) (0.7) (0.7) (0.8) (0.8) (0.9) (0.9) [a] $ 10.1 $ 9.0 $ 13.1 $ 13.5 $ 13.1 $ 12.1 $ 12.3 [b] 302,459 299,324 337,941 374,674 374,332 404,900 437,054 $ 45.5 $ 43.0 $ 50.5 $ 39.2 $ 38.5 $ 32.8 $ 30.9 (7.7) (7.8) (6.9) $ 37.8 $ 35.2 $ 43.6 $ 39.2 $ 38.5 $ 32.8 $ 30.9 (2.4) (3.0) (2.8) (1.0) (1.2) (0.7) (0.7) 35.4 32.2 40.8 38.2 37.3 32.1 30.2 [a] / [b] $ (2.1) 33.3 (2.2) (2.1) (2.2) (2.2) (2.1) (2.1) $ 30.0 $ 38.7 $ 36.1 $ 35.1 $ 29.9 $ 28.1 Ally adopted CECL on January 1, 2020. Upon implementation of CECL Ally recognized a reduction to our opening retained earnings balance of approximately $1.0 billion, net of income tax, which reflects a pre-tax increase to the allowance for loan losses of approximately $1.3 billion. This increase is almost exclusively driven by our consumer automotive loan portfolio. ally do it right. 43
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