Investor Presentaiton
Supplemental
Additional Notes
Page 5 Purpose Driven Culture
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4Q 2023 Preliminary Results
(1) Customers include on-balance sheet Auto, U.S. and Canadian Insurance, active Depositors, on-balance sheet Ally Home DTC Mortgage, Ally Lending, Ally Invest, and Ally Credit Card.
(2) Ally Bank Customer Satisfaction Rate as of 4Q '23.
(3) Digital interactions represent the number of online and mobile logins YTD across consumer auto (excluding SmartAuction, Insurance and consumer asset management), Ally Credit
Card, Ally Home, Ally Invest, Ally Lending and Deposits.
Page-19 | Auto Finance: Agile Market Leader
(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.
(5) Non-OEM Franchised Dealers and Automotive Retailers primarily consist of public and large private, franchise-like, used retail dealer operations including Carvana, CarMax, EchoPark,
Westlake, and other similar relationships.
Page 20 | Auto Finance
(1) Noninterest expense includes corporate allocations of $288 million in 4Q 2023, $288 million in 3Q 2023, and $290 million in 4Q 2022.
Page 21| Insurance
(2) Acquisition and underwriting expenses includes corporate allocations of $22 million in 4Q 2023, $26 million in 3Q 2023, and $24 million in 4Q 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 22 | Ally Bank: Deposit and Customer Trends
(1) Source: FDIC, FFIEC Call Reports and Company filings of branchless banks including Marcus, Discover, American Express, Synchrony.
(2) Customer retention rate is the annualized 3-month rolling average of 1 minus the monthly attrition rate; excludes escheatment
Page 25| Mortgage Finance
(1) Noninterest expense includes corporate allocations of $19 million in 4Q 2023, $21 million in 3Q 2023, and $23 million in 4Q 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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