Ally Financial Inc. · NYSE:ALLY

Ally Financial — Goldman Sachs U.S. Financial Services Conference 2014

8 slides from Ally Financial's conference presentation, Dec 10, 2014

  1. Slide 1: Ally Financial Inc. Goldman Sachs U.S. Financial Services Conference

    1 Ally Financial Inc. Michael Carpenter, Chief Executive Officer Goldman Sachs U.S. Financial Services Conference December 10, 2014 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com

  2. Slide 2: Forward-Looking Statements and Additional Information

    2 Forward-Looking Statements and Additional Information The following should be read in conjunction with the financial statements, notes and other information contained in the Company’s Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. In the presentation

  3. Slide 3: Path to Double-Digit Core ROTCE is on Track

    3 $207 $211 $271 $161 $339 $417 $467 2.9% 3.1% 5.4% 1.8% 6.5% 8.4% 9.1% 1Q 13 2Q 13 3Q 13 4Q 13 1Q 14 2Q 14 3Q 14 Core Pre tax Income (ex. repositioning) Core ROTCE Path to Double-Digit Core ROTCE is on Track 4% 2013 Core ROTCE Regulatory Normalization • Lower interest expense driving higher net fin

  4. Slide 4: Strengthening and Growing Premier Auto Franchise

    4 ($ billions) $0.3 $1.2 $3.6 $4.9 $5.7 $6.3 $10.7 $10.4 $9.2 $7.9 $4.8 $3.5 2009 2010 2011 2012 2013 3Q14 YTD Growth Channel Subvented ($ billions; EOP) $54.7 $68.8 $84.8 $100.1 $107.9 $109.5 2009 2010 2011 2012 2013 3Q14 Retail Lease Commercial Strengthening and Growing Premier Auto Franchise Asse

  5. Slide 5: Leading Direct Bank Franchise Continues Strong Growth

    5 Ally Bank Deposit Levels and Retail Accounts ($ billions, # millions) $41.7 $43.2 $45.2 $45.9 $46.7 1.5 1.5 1.6 1.6 1.7 3Q 13 4Q 13 1Q 14 2Q 14 3Q 14 Ally Bank Retail # of Retail Deposit Accounts • Continued franchise momentum with nearly $47 billion of retail deposits • Focus on continuing to bui

  6. Slide 6: Outlook and Priorities

    6 Outlook and Priorities • Facilitate U.S. Treasury exit • Continued progress on path to sustainable 9-11% Core ROTCE – Additional progress on cost of funds savings to offset decline in lease yield  Expect all-in lease yield of approximately 5.5% in 4Q  4Q seasonal impacts  $4.5 billion of high c

  7. Slide 7: Notes and Non-GAAP Financial Measures

    7 Notes and Non-GAAP Financial Measures Page 3 – Net financing revenue, NIM and cost of funds exclude OID amortization expense. – Adjusted efficiency ratio is equal to (A) total noninterest expense less (i) Insurance operating segment related expenses, (ii) mortgage repurchase expense and (iii) expe

  8. Slide 8: Non-GAAP Reconciliations

    8 Non-GAAP Reconciliations ($ in millions) Core Pre-Tax Income Calculation 3Q 14 2Q 14 1Q 14 4Q13 3Q13 2Q 13 1Q13 Net financing revenue (ex. OID) 936$ 912$ 865$ 841$ 801$ 689$ 697$ Total other revenue (ex. OID) 375 372 321 324 367 411 503 Total net revenue (ex. OID) 1,311 1,284 1,186 1,166 1,168 1,1

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