Investor Presentaiton
Supplemental
Additional Notes
Page 16 | Auto Finance: Agile Market Leader
3Q 2023 Preliminary Results
(1) Prime Auto Lender' - Source: PIN Navigator Data & Analytics, a business division of J.D. Power. The credit scores provided within these reports have been provided by FICO® Risk
Score, Auto 08 FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. Ally management defines retail auto market segmentation (unit
based) for consumer automotive loans primarily as those loans with a FICO® Score (or an equivalent score) at origination by the following:
Super-prime 720+, Prime 620 - 719, Nonprime less than 620
(2) 'Bank Floorplan Lender' - Source: Company filings, including WFC and HBAN.
(3) Retail Auto Loan Outstandings' - Source: Big Wheels Auto Finance Data 2022.
(4) #1 Dealer Satisfaction among Non-Captive Lenders with Sub-Prime Credit' - Source: J.D. Power.
Page 21| Auto Finance
(1) Noninterest expense includes corporate allocations of $288 million in 3Q 2023, $271 million in 2Q 2023, and $259 million in 3Q 2022.
Page 22 | Insurance
(2) Acquisition and underwriting expenses includes corporate allocations of $26 million in 3Q 2023, $23 million in 2Q 2023, and $24 million in 3Q 2022.
(3) Change in fair value of equity securities impacts the Insurance segment. 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.
Page 23 Ally Bank: Deposit and Customer Trends
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(1) Source: FDIC, FFIEC Call Reports and Company filings of branchless banks including Marcus, Discover, American Express, Synchrony.
Page 25 Corporate Finance
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(2) Noninterest expense includes corporate allocations of $14 million in 3Q 2023, $13 million in 2Q 2023, and $11 million in 3Q 2022.
(3) Change in fair value of equity securities impacts the Corporate Finance segment. 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.
Page 26 Mortgage Finance
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(1) Noninterest expense includes corporate allocations of $21 million in 3Q 2023, $24 million in 2Q 2023, and $27 million in 3Q 2022.
(2) 1st lien only. Updated home values derived using a combination of appraisals, Broker price opinion (BPOs), Automated Valuation Models (AVMs) and Metropolitan Statistical Area (MSA)
level house price indices.
ally do it right.
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