Investor Presentaiton
Supplemental
Non-GAAP Reconciliation: Core Income
($ millions)
Consolidated Ally
Net financing revenue
Total other revenue
Provision for credit losses
Noninterest expense
Pre-tax income
Corporate/Other
Net financing revenue
Total other revenue
Provision for credit losses
Noninterest expense
Pre-tax income
Insurance
Premiums, service revenue earned and other
Losses and loss adjustment expenses
Acquisition and underwriting expenses
Investment income and other
Pre-tax income
Corporate Finance
Net financing revenue
Total other revenue
Provision for credit losses
Noninterest expense
Pre-tax income
3Q 2023 Preliminary Results
3Q 23
Change in fair
GAAP
Core OID
value of equity
Repositioning
Non-GAAP (1)
GAAP
Core OID
2Q 23
Change in fair
value of equity
Repositioning
Non-GAAP (1)
GAAP
Core OID
securities
securities
3Q 22
Change in fair
value of equity
securities
Repositioning
Non-GAAP (1)
$
1,533
S
12
$
435
56
1,545
491
$
1,573
$
12
$
1,585
$
1,719
$
11
S
1,730
506
(25)
481
297
62
359
508
508
427
427
438
438
1,232
1.202
1,249
1,249
1,161
(20)
1,141
228
$
12
$
56
$
30
326
$
403
$
12
$
(25)
$
$
390
$
417
$
11
$
62
$
20
$
510
$
(6)
S
12
S
$
6
$
50
$
12
35
10
45
53
61
61
81
211
(30)
181
221
(243)
$
12
10
$
30
(191)
$
(199)
12
$
324
$
107
231
(2)
(16)
46
$
324
$
312
$
107
134
231
224
44
54
30
$
8
(24)
(24)
62
$
255
$
11
S
$
266
53
(74)
(0)
(74)
81
95
95
221
237
(20)
217
(187)
$
(151)
$
11
$
(0)
$
20
$
(120)
$
312
$
292
134
སྒྲ ཋ
$
224
220
30
(32)
62
(16)
$
(30)
$
$
292
70
220
30
32
$
97
$
97
$
92
$
$
92
$
80
$
$
80
24
(0)
24
28
(1)
27
54
(0)
54
5
5
15
15
13
13
32
32
33
33
30
30
$
84
$
$
(0)
$
$
84
$
72
$
$
(1)
$
$
71
$
91
$
$
(0)
$
$
91
(1) Non-GAAP line items walk to Core pre-tax income, a Non-GAAP financial measure that adjusts pre-tax income. See pages 35 - 37 for definitions.
Note: Change in fair value of equity securities impacts the Insurance, Corporate Finance and Corporate and Other segments. The change reflects fair value adjustments to equity securities that are reported at fair
value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables the reader to better understand the business' ongoing ability to generate
revenue and income.
ally do it right.
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