Investor Presentaiton
Supplemental
Funding Profile Details
Funding Mix
Deposit Mix
4Q 2023 Preliminary Results
Unsecured
8%
7%
6%
6%
6%
5%
4%
FHLB/Other
5%
5%
9%
10%
10%
8%
8%
1%
11%
6%
3%
1%
1%
Brokered /
Other
Secured
20%
25%
27%
28%
29%
Retail CD
89%
88%
88%
85%
Deposits
75%
71%
65%
63%
64%
63%
MMA/OSA/
Spend
4Q 19
4Q 20
4Q 21
4Q 22
4Q 23
Note: Totals may not foot due to rounding.
Unsecured Long-Term Debt Maturities(1)
($ billions)
4Q 22
1Q 23
2Q 23
3Q 23
4Q 23
Note: Other includes sweep deposits, mortgage escrow and other deposits. Totals may not foot due to rounding.
Wholesale Funding Issuance
($ billions)
Maturity Date
Weighted Avg.
Coupon
Principal Amount
Outstanding (2)
$13.3
2024
4.48%
$7.9
$
1.45
2025
2026+(3)
$7.3
$6.5
$5.8
5.52%
$
2.30
$4.2
$4.1
6.56%
$
6.84
$7.3
$2.8
$3.0
$4.9
$6.5
$5.4
$2.4
$3.5
$0.9
Term ABS
$0.8
$2.8
$1.7
$2.1
$0.9
$0.8
$0.8
Term
Unsecured
2015
2016 2017
2018 2019
2020
2021 2022
2023
(1) Excludes retail notes and perpetual preferred equity; as of 12/31/2023.
(2) Reflects notional value of outstanding bond. Excludes total GAAP OID and capitalized transaction costs.
(3) Weighted average coupon based on notional value and corresponding coupon for all unsecured bonds as of
January 1st of the respective year. Does not reflect weighted average interest expense for the respective year.
Note: Term ABS shown includes funding amounts (notes sold) at new issue and does not include private
offerings. Excludes $2.35 billion of preferred equity issued in 2021. Totals may not foot due to rounding.
ally do it right. 31View entire presentation