Ally Financial Inc. · NYSE:ALLY
Ally Financial — Bernstein 2016 Strategic Decisions Conference
13 slides from Ally Financial's conference presentation, Jun 2, 2016
Slide 1: Ally Financial Inc. Bernstein 2016 Strategic Decisions Conference
1 Ally Financial Inc. Bernstein 2016 Strategic Decisions Conference June 2, 2016
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
Slide 3: Key Messages
3 Key Messages • Leading digital financial services company – Positioned for secular trends in digital financial services and banking – Proven success with growing online deposit franchise and attractive customer base • Commitment to create long-term shareholder value – Plan to introduce dividend an
Slide 4: Product Expansion Strategy
4 Product Expansion Strategy Optimize Auto Finance Generating attractive risk-adjusted returns Leading platform Aligning with digital trends Scalable infrastructure Seasoned risk management Grow Product Expansion Growing higher ROE businesses Mortgage Corporate Finance Credit Card Online Brokerage a
Slide 5: Digital Advantage
5 Digital Advantage P Better expense efficiency P Better rates and lower fees P Better reputation P More transparent and simple P Better digital functionality P Better customer experience P No geographic constraints NO Branches NO Baggage
Slide 6: Proven Success with Digital Deposit Growth
6 Proven Success with Digital Deposit Growth Strong Customer and Deposit Growth
Slide 7: Dealer Financial Services Historical Returns
7 Dealer Financial Services Historical Returns Profitable Business Through Cycles • Long history of resilient returns in auto finance • Improved risk adjusted yields on newer originations (1) Data from Annual Reports on Form 10-K. Dealer Financial Services includes Ally’s North American automotive l
Slide 8: Successfully Improving Financial Profile
8 3.1% 7.9% 9.4% 2013 2014 2015 Increased +19% 67% 51% 45% 2013 2014 2015 Successfully Improving Financial Profile Adjusted TBV per Share(3) Adjusted Efficiency Ratio(4) Adjusted Earnings Per Share(1) Core ROTCE(2) (1) Represents a non-GAAP financial measure. See slide 12 and 13 for details. (2) Rep
Slide 9: Focused on Driving Shareholder Value
9 Focused on Driving Shareholder Value Consistent Book Value Growth Note: Stock price data as of 6/1/2016; adjusted tangible book value per share based on Ally’s quarterly results (1) Represents a non-GAAP financial measure. See slide 12 and 13 for details. ~$3.5 billion discount • Ally expected to
Slide 10: Strategic Priorities
10 Strategic Priorities Building the leading digital financial services company Continue to maintain discipline and deliver strong results in auto finance Lower capital markets footprint and grow deposit base Unlock full value and drive attractive shareholder returns − Initiate a dividend and
Slide 11: Supplemental
11 CONFIDENTIAL Supplemental
Slide 12: Notes on non-GAAP and other financial measures
12 Notes on non-GAAP and other financial measures Supplemental (1) Represents a non-GAAP financial measure. See slide 13 for details. (2) We define tangible common equity as common stockholders’ equity less goodwill and identifiable intangible assets (other than mortgage servicing rights), net of de
Slide 13: Notes on non-GAAP and other financial measures
13 Notes on non-GAAP and other financial measures Supplemental 1) Core pretax income (loss) is a non-GAAP financial measure. It is defined as income (loss) from continuing operations before income tax expense and primarily bond exchange original issue discount ("OID") amortization expense. 2) Reposi
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