Ally Financial Inc. · NYSE:ALLY

Ally Financial — Goldman Sachs US Financial Services Conference 2018

17 slides from Ally Financial's conference presentation, Dec 4, 2018

1. Slide 1: Ally Financial Inc. Goldman Sachs US Financial Services Conference

   Ally Financial Inc. Goldman Sachs US Financial Services Conference December 5, 2018 1

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

   Forward-Looking Statements and Additional Information This presentation and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K.

3. Slide 3: GAAP and Core Results

   GAAP and Core Results ($ millions except per share data) 3Q 18 3Q 17 3Q 16 3Q 15 3Q 14 1Q 14 GAAP earnings per common share ("EPS") (diluted, NIAC) $ 0.88 $ 0.63 $ 0.43 $ 0.47 $ 0.74 $ 0.33 Adjusted EPS (1)(2) $ 0.91 $ 0.65 $ 0.56 $ 0.51 $ 0.53 $ 0.34 Return (net income) on GAAP shareholder's equity

4. Slide 4: Ally: Who We Are

   Ally: Who We Are Leading digital financial services company and top 25 U.S. financial holding company Deposits Auto & Insurance Company Profile Nationwide | Zero Branches Nationwide | Industry Leading Founded 1919 1.6M Retail customers 4M Auto Customers 18K Auto Dealers 2M Insurance Customers NYSE T

5. Slide 5: Ally: Strategic Position

   Ally: Strategic Position Positioned for Sustainable Earnings Growth Ally is leveraging our Built Around the Digital Bank capability and scale as Modern Customer Leader America's leading all-digital Bank and our deep expertise in Auto to build an institution around the modern consumer Unmatched Digit

6. Slide 6: Ally: Track Record of Financial Momentum

   Ally: Track Record of Financial Momentum Adjusted Earnings Per Share(1) Total Adjusted Net Revenue(2) (1Q 14 and 3Q shown for each year) (1Q 14 and 3Q shown for each year; $ billions) $1.6B $1.48B $1.52B $ $1.40B $0.91 1.00 $1.31B $1.31B $1.19B Adjusted Other Revenue (2) $0.65 $0.56 $ $0.53 $0.51 0.

7. Slide 7: ally.

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8. Slide 8: Supplemental CONFIDENTIAL 8

   Supplemental CONFIDENTIAL 8

9. Slide 9: Notes on non-GAAP and other financial measures

   Supplemental Notes on non-GAAP and other financial measures The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to, and not a substitute for, GAAP measures: Adjusted Earnings per Share (Adj

10. Slide 10: Adjusted EPS

    Supplemental GAAP to Core Results – Adjusted EPS Adjusted Earnings per Share ("Adjusted EPS") 3Q 18 2Q 18 1Q 18 4Q 17 3Q 17 2Q 17 1Q 17 4Q 16 3Q 16 2Q 16 Numerator ($ millions) GAAP net income attributable to common shareholders $ 374 $ 349 $ 250 $ 181 $ 282 $ 252 $ 214 $ 248 $ 209 $ 345 Discontinue

11. Slide 11: Adjusted EPS (continued)

    Supplemental GAAP to Core Results – Adjusted EPS (continued) Adjusted Earnings per Share ("Adjusted EPS") 1Q 16 4Q 15 3Q 15 2Q 15 1Q 15 4Q 14 3Q 14 2Q 14 1Q 14 Numerator ($ millions) GAAP net income attributable to common shareholders $ 235 $ (953) $ 230 $ (1,069) $ 509 $ 109 $ 356 $ 258 $ 159 Disco

12. Slide 12: Adjusted TBVPS

    Supplemental GAAP to Core Results – Adjusted TBVPS Adjusted Tangible Book Value per Share ("Adjusted TBVPS") 3Q 18 2Q 18 1Q 18 4Q 17 3Q 17 2Q 17 1Q 17 4Q 16 3Q 16 2Q 16 Numerator ($ billions) GAAP shareholder's equity $ 13.1 $ 13.1 $ 13.1 $ 13.5 $ 13.6 $ 13.5 $ 13.4 $ 13.3 $ 13.6 $ 13.6 Preferred eq

13. Slide 13: Adjusted TBVPS (continued)

    Supplemental GAAP to Core Results – Adjusted TBVPS (continued) Adjusted Tangible Book Value per Share ("Adjusted TBVPS") 1Q 16 4Q 15 3Q 15 2Q 15 1Q 15 4Q 14 3Q 14 2Q 14 1Q 14 Numerator ($ billions) GAAP shareholder's equity $ 13.8 $ 13.4 $ 14.6 $ 14.3 $ 15.9 $ 15.4 $ 15.2 $ 14.9 $ 14.5 Preferred equ

14. Slide 14: Core ROTCE

    Supplemental GAAP to Core Results – Core ROTCE Core Return on Tangible Common Equity ("Core ROTCE") 3Q 18 2Q 18 1Q 18 4Q 17 3Q 17 2Q 17 1Q 17 4Q 16 3Q 16 2Q 16 Numerator ($ millions) GAAP net income attributable to common shareholders $ 374 $ 349 $ 250 $ 181 $ 282 $ 252 $ 214 $ 248 $ 209 $ 345 Disco

15. Slide 15: Core ROTCE (continued)

    Supplemental GAAP to Core Results – Core ROTCE (continued) Core Return on Tangible Common Equity ("Core ROTCE") 1Q 16 4Q 15 3Q 15 2Q 15 1Q 15 4Q 14 3Q 14 2Q 14 1Q 14 Numerator ($ millions) GAAP net income attributable to common shareholders $ 235 $ (953) $ 230 $ (1,069) $ 509 $ 109 $ 356 $ 258 $ 159

16. Slide 16: Notes on non-GAAP and other financial measures

    Supplemental Notes on non-GAAP and other financial measures Net Financing Revenue (ex. Core OID) ($ millions) 3Q 18 2Q 18 1Q 18 4Q 17 3Q 17 2Q 17 1Q 17 4Q 16 3Q 16 2Q 16 GAAP Net Financing Revenue $ 1,107 $ 1,094 $ 1,049 $ 1,094 $ 1,081 $ 1,067 $ 979 $ 976 $ 996 $ 984 Core OID 22 21 20 19 18 17 16 1

17. Slide 17: Notes on non-GAAP and other financial measures

    Supplemental Notes on non-GAAP and other financial measures Original issue discount amortization expense ($ millions) 3Q 18 2Q 18 1Q 18 4Q 17 3Q 17 2Q 17 1Q 17 4Q 16 3Q 16 2Q 16 Core original issue discount (Core OID) amortization expense (1) $ 22 $ 21 $ 20 $ 19 $ 18 $ 17 $ 16 $ 15 $ 15 $ 14 Other O

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