Ally Financial Inc.NYSE: ALLY

Q3 2026 Ally Financial Inc. Earnings Financial Supplement

· Issued by Ally Financial Inc.

On 6ix: 6ix.com/news/ally-financial-q3-2026-ally-financial-inc-earnings-financial-supplement

Watch Ally Financial explain itAlly Financial (NYSE:ALLY) Q3 2026 Earnings Call · Replay · Oct 20, 2026 · From 9:25 · Financial Results, Margin, and Capital
THIRD QUARTER 2026 FINANCIAL SUPPLEMENT Page(s)

Consolidated Results

Consolidated Financial Highlights 4

Consolidated Income Statement 5

Consolidated Period-End Balance Sheet 6

Consolidated Average Balance Sheet 7

Segment Detail

Segment Highlights 8

Automotive Finance 9-10

Insurance 11

Corporate Finance 12

Corporate and Other 13

Credit Related Information 14-15

Supplemental Detail

Capital 16

Liquidity and Deposits 17

Net Interest Margin 18

Earnings Per Share Related Information 19

Adjusted Tangible Book Per Share Related Information 20

Core ROTCE Related Information 21

Adjusted Efficiency Ratio Related Information 22

‌ALLY FINANCIAL INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS.

Selected Income Statement Data

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Net financing revenue

$ 1,748

$ 1,684

$ 1,589

$ 1,598

$ 1,584

$ 64

$ 164

Core OID (1)

20

19

18

17

17

1

3

Net financing revenue (excluding Core OID) (1)

1,768

1,703

1,607

1,615

1,601

65

167

Other revenue

584

602

513

525

584

(18)

-

Repositioning (2)

-

-

0

27

-

-

-

Change in fair value of equity securities (2)

(5)

(29)

59

(2)

(27)

24

22

Adjusted other revenue (1)

579

573

572

550

557

6

22

Provision for credit losses

529

430

467

487

415

99

114

Repositioning (2)

-

-

7

(1)

-

-

-

Adjusted provision for credit losses (1)

529

430

474

486

415

99

114

Total noninterest expense (3)

1,236

1,319

1,235

1,250

1,240

(83)

(4)

Repositioning (2)

-

-

-

(31)

-

-

-

Noninterest expense (ex. repositioning) (1)

1,236

1,319

1,235

1,219

1,240

(83)

(4)

Pre-tax income (loss) from continuing operations

567

537

400

386

513

30

54

Income tax expense (benefit)

134

127

81

59

115

7

19

(Loss) from discontinued operations, net of tax

-

-

-

-

-

-

-

Net income (Loss)

433

410

319

327

398

23

35

Preferred Dividends

32

43

28

27

27

(11)

5

Net income (loss) attributable to common shareholders

$ 401

$ 367

$ 291

$ 300

$ 371

$ 34

$ 30

Selected Balance Sheet Data (Period-End)

Total assets

$ 203,285

$ 199,772

$ 197,269

$ 196,002

$ 191,711

$ 3,513

$ 11,574

Consumer loans

106,189

104,144

101,973

101,140

101,247

2,045

4,942

Commercial loans

41,770

39,529

37,917

36,314

33,320

2,241

8,450

Allowance for loan losses

(3,682)

(3,576)

(3,540)

(3,490)

(3,460)

(106)

(222)

Deposits

155,804

154,046

153,152

151,649

148,410

1,758

7,394

Total equity

14,970

15,491

15,609

15,498

15,117

(521)

(147)

Common Share Count

Weighted average basic

305,074

308,362

310,992

310,792

310,342

(3,287)

(5,267)

Weighted average diluted

308,133

311,035

313,219

314,264

313,823

(2,902)

(5,690)

Issued shares outstanding (period-end)

300,538

304,543

307,408

308,493

307,828

(4,004)

(7,290)

Per Common Share Data

Earnings per share (basic)

$ 1.32

$ 1.19

$ 0.94

$ 0.97

$ 1.19

$ 0.12

$ 0.12

Earnings per share (diluted)

1.30

1.18

0.93

0.95

1.18

0.12

0.12

Adjusted earnings per share (1)

1.34

1.21

1.11

1.09

1.15

0.13

0.18

Book value per share

43.24

44.38

43.22

42.70

41.56

(1.14)

1.68

Tangible book value per share

42.61

43.76

42.61

42.10

40.95

(1.15)

1.66

Adjusted tangible book value per share (1)

41.00

42.12

40.93

40.38

39.19

(1.12)

1.81

Select Financial Ratios

Net interest margin

3.62%

3.59%

3.48%

3.48%

3.51%

Net interest margin (ex. Core OID) (1)

3.66%

3.63%

3.52%

3.51%

3.55%

Cost of funds

3.45%

3.48%

3.60%

3.69%

3.80%

Cost of funds (ex. Core OID) (1)

3.40%

3.43%

3.55%

3.63%

3.74%

Efficiency Ratio

53.0%

57.7%

58.8%

58.9%

57.2%

Adjusted efficiency ratio (1)

45.7%

48.7%

50.8%

50.8%

50.0%

Return on average assets

0.8%

0.7%

0.6%

0.6%

0.8%

Return on average total equity

10.5%

9.5%

7.5%

7.8%

10.0%

Return on average tangible common equity

12.3%

11.1%

8.9%

9.4%

12.0%

Core ROTCE (1)

Capital Ratios

13.1%

11.8%

11.1%

11.1%

12.3%

Common Equity Tier 1 (CET1) capital ratio

10.2%

10.2%

10.1%

10.2%

10.1%

Tier 1 capital ratio

11.4%

11.4%

11.6%

11.7%

11.6%

Total capital ratio

13.2%

13.2%

13.4%

13.6%

13.4%

Tier 1 leverage ratio

8.9%

8.9%

9.2%

9.2%

9.2%

  1. Represents a non-GAAP financial measure. For more details refer to pages 19-24.

  2. For more details refer to pages 23-24.

  3. Including but not limited to employee related expenses, commissions and provision for losses and loss adjustment expense related to the insurance business, information technology expenses, servicing expenses, facilities expenses, marketing expenses, and other professional and legal expenses.

($ in millions) QUARTERLY TRENDS CHANGE VS.

Financing revenue and other interest income

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Interest and fees on finance receivables and loans

$ 2,836

$ 2,741

$ 2,658

$ 2,690

$ 2,674

$ 95

$ 162

Interest on loans held-for-sale

13

12

9

7

6

1

7

Total interest and dividends on investment securities

237

231

223

234

241

6

(4)

Interest-bearing cash

81

80

81

88

92

1

(11)

Other earning assets

16

11

11

10

9

5

7

Operating leases

384

390

392

387

365

(6)

19

Total financing revenue and other interest income

3,567

3,465

3,374

3,416

3,387

102

180

Interest expense

Interest on deposits

1,213

1,200

1,233

1,268

1,302

13

(89)

Interest on short-term borrowings

56

42

19

18

11

14

45

Interest on long-term debt

277

266

265

274

265

11

12

Interest on other

-

4

-

2

-

(4)

-

Total interest expense

1,546

1,512

1,517

1,562

1,578

34

(32)

Depreciation expense on operating lease assets

273

269

268

256

225

4

48

Net financing revenue

$ 1,748

$ 1,684

$ 1,589

$ 1,598

$ 1,584

$ 64

$ 164

Other revenue

Insurance premiums and service revenue earned

365

368

360

366

361

(3)

4

Gain / (loss) on mortgage and automotive loans, net

(8)

(6)

(3)

(29)

(3)

(2)

(5)

Loss on extinguishment of debt

-

(2)

-

-

-

2

-

Other gain / (loss) on investments, net

34

76

(21)

21

56

(42)

(22)

Other income, net of losses

193

166

177

167

170

27

23

Total other revenue

584

602

513

525

584

(18)

-

Total net revenue

2,332

2,286

2,102

2,123

2,168

46

164

Provision for loan losses

529

430

467

487

415

99

114

Noninterest expense

Compensation and benefits expense

441

458

491

475

447

(17)

(6)

Insurance losses and loss adjustment expenses

135

208

121

111

141

(73)

(6)

Goodwill impairment

-

-

-

-

-

-

-

Other operating expenses

660

653

623

664

652

7

8

Total noninterest expense

1,236

1,319

1,235

1,250

1,240

(83)

(4)

Pre-tax income (loss) from continuing operations

$ 567

$ 537

$ 400

$ 386

$ 513

$ 30

$ 54

Income tax (benefit) / expense from continuing operations

134

127

81

59

115

7

19

Net income (loss) from continuing operations

433

410

319

327

398

23

35

Loss from discontinued operations, net of tax

-

-

-

-

-

-

-

Net income (loss)

$ 433

$ 410

$ 319

$ 327

$ 398

$ 23

$ 35

Preferred Dividends

32

43

28

27

27

(11)

5

Net income (loss) available to common shareholders

$ 401

$ 367

$ 291

$ 300

$ 371

$ 34

$ 30

Core pre-tax Income walk

Net financing revenue

$ 1,748

$ 1,684

$ 1,589

$ 1,598

$ 1,584

$ 64

$ 164

Other revenue

584

602

513

525

584

(18)

-

Provision for credit losses

529

430

467

487

415

99

114

Total noninterest expense

1,236

1,319

1,235

1,250

1,240

(83)

(4)

Pre-tax income (loss) from continuing operations

$ 567

$ 537

$ 400

$ 386

$ 513

$ 30

$ 54

Core OID (1)

20

19

18

17

17

1

3

Change in the fair value of equity securities (2)

(5)

(29)

59

(2)

(27)

24

22

Repositioning (2)

-

-

(7)

59

-

-

-

Core pre-tax income (1)

$ 581

$ 527

$ 470

$ 461

$ 502

$ 55

$ 79

  1. Represents a non-GAAP financial measure. For more details refer to pages 19-24.

  2. For more details refer to pages 23-24.

Note: Numbers may not foot due to rounding. 5

‌($ in millions) QUARTERLY TRENDS CHANGE VS.

Assets

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Cash and cash equivalents

Noninterest-bearing

$ 308

$ 339

$ 380

$ 405

$ 429

$ (31)

$ (121)

Interest-bearing

7,531

7,501

9,138

9,625

9,817

30

(2,286)

Total cash and cash equivalents

7,839

7,840

9,518

10,030

10,246

(1)

(2,407)

Investment securities (1)

27,209

28,374

28,238

28,220

27,982

(1,165)

(773)

Loans held-for-sale, net

448

406

337

549

179

42

269

Finance receivables and loans, net

147,959

143,673

139,890

137,454

134,567

4,286

13,392

Allowance for loan losses

(3,682)

(3,576)

(3,540)

(3,490)

(3,460)

(106)

(222)

Total finance receivables and loans, net

144,277

140,097

136,350

133,964

131,107

4,180

13,170

Investment in operating leases, net

8,288

8,585

8,699

8,772

8,599

(297)

(311)

Premiums receivable and other insurance assets

2,860

2,860

2,817

2,844

2,903

-

(43)

Other assets

12,364

11,610

11,310

11,623

10,695

754

1,669

Total assets

$ 203,285

$ 199,772

$ 197,269

$ 196,002

$ 191,711

$ 3,513

$ 11,574

Liabilities

Deposit liabilities

Noninterest-bearing

$ 51

$ 153

$ 137

$ 125

$ 174

$ (102)

$ (123)

Interest-bearing

155,753

153,893

153,015

151,524

148,236

1,860

7,517

Total deposit liabilities

155,804

154,046

153,152

151,649

148,410

1,758

7,394

Short-term borrowings

6,252

5,916

4,126

4,695

3,879

336

2,373

Long-term debt

18,778

17,053

17,349

17,070

16,749

1,725

2,029

Interest payable

1,066

895

852

729

1,097

171

(31)

Unearned insurance premiums and service revenue

3,719

3,693

3,665

3,656

3,648

26

71

Accrued expense and other liabilities

2,696

2,678

2,516

2,705

2,811

18

(115)

Total liabilities

$ 188,315

$ 184,281

$ 181,660

$ 180,504

$ 176,594

$ 4,034

$ 11,721

Equity

Common stock and paid-in capital (2)

$ 14,968

$ 15,125

$ 15,231

$ 15,327

$ 15,310

$ (157)

$ (342)

Preferred stock

1,976

1,976

2,324

2,324

2,324

-

(348)

Retained earnings (accumulated deficit)

1,409

1,101

827

633

427

308

982

Accumulated other comprehensive loss

(3,383)

(2,711)

(2,773)

(2,786)

(2,944)

(672)

(439)

Total equity

14,970

15,491

15,609

15,498

15,117

(521)

(147)

Total liabilities and equity

$ 203,285

$ 199,772

$ 197,269

$ 196,002

$ 191,711

$ 3,513

$ 11,574

  1. Includes Held-to-maturity securities.

  2. Includes Treasury stock.

Note: Numbers may not foot due to rounding.

‌ALLY FINANCIAL INC.

CONSOLIDATED AVERAGE BALANCE SHEET (1)

($ in millions) QUARTERLY TRENDS CHANGE VS.

Assets

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Interest-bearing cash and cash equivalents

$ 9,079

$ 8,931

$ 9,100

$ 8,983

$ 8,465

$ 148

$ 614

Investment securities and other earning assets

28,991

29,136

28,954

28,846

28,450

(145)

541

Loans held-for-sale, net

315

238

415

181

141

77

174

Total finance receivables and loans, net (2)

144,852

141,429

137,797

135,674

133,419

3,423

11,433

Investment in operating leases, net

8,496

8,689

8,805

8,753

8,255

(193)

241

Total interest earning assets

191,733

188,423

185,071

182,437

178,730

3,310

13,003

Noninterest-bearing cash and cash equivalents

225

265

286

266

251

(40)

(26)

Other assets

11,858

11,698

11,510

11,654

11,699

160

159

Allowance for loan losses

(3,592)

(3,521)

(3,501)

(3,460)

(3,437)

(71)

(155)

Total assets

$ 200,224

$ 196,865

$ 193,366

$ 190,897

$ 187,243

$ 3,359

$ 12,981

Liabilities

Interest-bearing deposit liabilities

Retail deposit liabilities

$ 142,541

$ 144,431

$ 144,106

$ 141,750

$ 142,364

$ (1,890)

$ 177

Other interest-bearing deposit liabilities (3)

11,605

8,015

7,616

7,123

5,127

3,590

6,478

Total interest-bearing deposit liabilities

154,146

152,446

151,722

148,873

147,491

1,700

6,655

Short-term borrowings

5,608

4,377

1,941

1,794

897

1,231

4,711

Long-term debt (4)

17,736

17,090

17,049

17,249

16,375

646

1,361

Total interest-bearing liabilities (4)

177,490

173,913

170,712

167,916

164,763

3,577

12,727

Noninterest-bearing deposit liabilities

51

145

145

155

169

(94)

(118)

Other liabilities

7,180

6,948

6,727

7,320

7,362

232

(182)

Total liabilities

$ 184,721

$ 181,006

$ 177,584

$ 175,391

$ 172,294

$ 3,715

$ 12,427

Equity

Total equity

$ 15,503

$ 15,859

$ 15,782

$ 15,506

$ 14,949

$ (356)

$ 554

Total liabilities and equity

$ 200,224

$ 196,865

$ 193,366

$ 190,897

$ 187,243

$ 3,359

$ 12,981

  1. Average balances are calculated using a combination of monthly and daily average methodologies.

  2. Nonperforming finance receivables and loans are included in the average balances net of unearned income, unamortized premiums and discounts, and deferred fees and costs.

  3. Includes brokered (inclusive of sweep deposits) and other deposits.

  4. Includes average Core OID balance of $624 million in 3Q26, $643 million in 2Q26, $661 million in 1Q26, $679 million in 4Q25, and $696 million in 3Q25. Note: Numbers may not foot due to rounding.

‌($ in millions) QUARTERLY TRENDS CHANGE VS.

Pre-tax Income / (Loss)

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Automotive Finance

$ 337

$ 410

$ 336

$ 372

$ 421

$ (73)

$ (84)

Insurance

80

53

28

91

79

27

1

Dealer Financial Services

417

463

364

463

500

(46)

(83)

Corporate Finance

98

122

94

98

95

(24)

3

Corporate and Other (1)

52

(48)

(58)

(175)

(82)

100

134

Pre-tax income (loss) from continuing operations

$ 567

$ 537

$ 400

$ 386

$ 513

$ 30

$ 54

Core OID (2) (3)

20

19

18

17

17

1

3

Change in the fair value of equity securities (4)

(5)

(29)

59

(2)

(27)

24

22

Repositioning and other (4)

-

-

(7)

59

-

-

-

Core pre-tax income (3)

$ 581

$ 527

$ 470

$ 461

$ 502

$ 55

$ 79

  1. Corporate and Other includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, and Ally Invest activity.

  2. Core OID for all periods shown are applied to the pre-tax income of the Corporate and Other segment.

  3. Represents a non-GAAP measure. For more details refer to pages 19-24.

  4. For more details refer to pages 23-24. Note: Numbers may not foot due to rounding.

‌($ in millions) QUARTERLY TRENDS CHANGE VS.

Income Statement

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Net financing revenue

Consumer

$ 2,077

$ 2,013

$ 1,960

$ 1,980

$ 1,961

$ 64

$ 116

Commercial

368

354

332

341

338

14

30

Loans held-for-sale

6

6

3

3

2

-

4

Operating leases

384

390

392

387

365

(6)

19

Total financing revenue and other interest income

2,835

2,763

2,687

2,711

2,666

72

169

Interest expense

1,234

1,178

1,128

1,145

1,128

56

106

Depreciation expense on operating lease assets:

Depreciation expense on operating lease assets (ex. remarketing)

257

267

258

246

227

(10)

31

Remarketing (gains) loss, net of repo valuation

16

2

10

11

(1)

14

17

Total depreciation expense on operating lease assets

273

269

268

256

225

4

48

Net financing revenue

1,328

1,316

1,291

1,310

1,313

12

15

Other revenue

Total other revenue

114

104

105

99

96

10

18

Total net revenue

1,442

1,420

1,396

1,409

1,409

22

33

Provision for credit losses

511

442

468

478

410

69

101

Noninterest expense

Compensation and benefits

175

177

191

172

172

(2)

3

Other operating expenses

419

391

401

387

406

28

13

Total noninterest expense

594

568

592

559

578

26

16

Pre-tax income

$ 337

$ 410

$ 336

$ 372

$ 421

$ (73)

$ (84)

Memo: Net lease revenue

Operating lease revenue

$ 384

$ 390

$ 392

$ 387

$ 365

$ (6)

$ 19

Depreciation expense on operating lease assets (ex. remarketing)

257

267

258

246

227

(10)

31

Remarketing (gains) loss, net of repo valuation

16

2

10

11

(1)

14

17

Total depreciation expense on operating lease assets

273

269

268

256

225

4

48

Net lease revenue

$ 111

$ 121

$ 124

$ 131

$ 140

$ (10)

$ (29)

Balance Sheet (Period-End)

Loans held-for-sale, net

$ 50

$ 33

$ 27

$ 12

$ 15

$ 17

$ 35

Consumer loans

91,581

89,217

86,685

85,561

84,994

2,364

6,587

Commercial loans

25,655

25,562

23,938

23,143

21,784

93

3,871

Allowance for loan losses

(3,482)

(3,398)

(3,300)

(3,256)

(3,233)

(84)

(249)

Total finance receivables and loans, net

113,754

111,381

107,323

105,448

103,545

2,373

10,209

Investment in operating leases, net

8,288

8,585

8,699

8,772

8,599

(297)

(311)

Other assets

1,593

1,540

1,563

1,521

1,567

53

26

Total assets

$ 123,685

$ 121,539

$ 117,612

$ 115,753

$ 113,726

$ 2,146

$ 9,959

Note: Numbers may not foot due to rounding.

QUARTERLY TRENDS CHANGE VS.

U.S. Consumer Originations (1) ($ in billions)

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Retail standard - new vehicle GM

$ 1.4

$ 1.4

$ 1.2

$ 1.3

$ 1.2

$ 0.0

$ 0.2

Retail standard - new vehicle Stellantis

0.8

0.7

0.6

0.6

0.6

0.1

0.2

Retail standard - new vehicle Other

2.1

2.1

1.4

1.3

1.3

(0.1)

0.7

Used vehicle

8.2

8.3

7.5

6.7

7.0

(0.1)

1.2

Lease

0.5

0.7

0.7

0.9

1.5

(0.3)

(1.1)

Total originations

$ 12.9

$ 13.3

$ 11.5

$ 10.8

$ 11.7

$ (0.3)

$ 1.2

U.S. Consumer Originations - FICO Score

Super prime (760-999)

$ 3.5

$ 3.9

$ 3.0

$ 2.9

$ 3.3

$ (0.4)

$ 0.2

High prime (720-759)

1.8

1.9

1.5

1.5

1.7

0.0

0.2

Prime (660-719)

3.3

3.2

2.9

2.7

3.1

0.1

0.2

Prime/Near (620-659)

2.1

2.0

2.0

1.8

1.9

0.0

0.2

Non-Prime (540-619)

1.2

1.2

1.1

1.0

0.9

0.0

0.3

Sub-Prime (0-539)

0.3

0.2

0.2

0.2

0.2

0.0

0.1

No FICO (Primarily CSG)

0.7

0.7

0.8

0.8

0.7

(0.0)

0.1

Total originations

$ 12.9

$ 13.3

$ 11.5

$ 10.8

$ 11.7

$ (0.3)

$ 1.2

U.S. Consumer Retail Originations - Average FICO

New vehicle

730

735

725

726

725

(5)

5

Used vehicle

698

702

696

697

702

(4)

(3)

Total retail originations

709

713

703

706

708

(4)

0

U.S. Market

New light vehicle sales (SAAR - units in millions)

16.2

16.5

15.5

15.8

16.4

(0.2)

(0.2)

New light vehicle sales (quarterly - units in millions)

4.1

4.3

3.7

4.0

4.1

(0.2)

(0.1)

Dealer Engagement

Total Active DFS Dealers (2)

21,594

21,629

21,403

21,370

21,548

(35)

46

Total Application Volume (000s)

4,805

4,552

4,414

3,811

3,992

253

813

Ally U.S. Commercial Outstandings EOP ($ in billions)

Floorplan outstandings

$ 17.4

$ 17.6

$ 16.1

$ 15.9

$ 15.4

$ (0.2)

$ 2.1

Dealer loans and other

8.3

8.0

7.9

7.2

6.4

0.3

1.8

Total Commercial outstandings

$ 25.7

$ 25.6

$ 23.9

$ 23.1

$ 21.8

$ 0.1

$ 3.9

U.S. Off-Lease Remarketing

Off-lease vehicles terminated - on-balance sheet (# in units)

17,494

19,510

15,162

16,525

21,608

(2,016)

(4,114)

Average gain (loss) per vehicle

$ (914)

$ (82)

$ (663)

$ (635)

$ 53

$ (832)

$ (967)

Total gain (loss) ($ in millions)

$ (16)

$ (2)

$ (10)

$ (11)

$ 1

$ (14)

$ (17)

  1. Some standard rate loan originations contain manufacturer sponsored cash back rebate incentives. Some lease originations contain rate subvention. While Ally may jointly develop marketing programs for these originations, Ally does not have exclusive rights to such originations under operating agreements with manufacturers.

  2. A dealer is considered to have an active relationship with us if we provided automotive financing, remarketing, or insurance services during the three months ended September 30, 2026. Note: Numbers may not foot due to rounding.

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

$

7

$

5

$

6

$

5

$

5

$

2

$

2

43

41

38

40

39

2

4

5

5

5

5

5

-

-

55

51

49

50

49

4

6

13

13

13

14

16

-

(3)

42

38

36

36

33

4

9

365

368

360

366

361

(3)

4

34

76

(21)

21

56

(42)

(22)

4

5

3

3

3

(1)

1

403

449

342

390

420

(46)

(17)

445

487

378

426

453

(42)

(8)

30

30

32

28

29

-

1

135

208

121

111

141

(73)

(6)

200

196

197

196

204

4

(4)

365

434

350

335

374

(69)

(9)

$

80

$

53

$

28

$

91

$

79

$

27

$

1

$

365

$

368

$

360

$

366

$

361

$

(3)

$

4

71

85

74

55

62

(14)

9

4

5

3

3

3

(1)

1

440

458

437

424

426

(18)

14

135

208

121

111

141

(73)

(6)

30

30

32

28

29

-

1

151

151

152

155

158

0

(7)

49

45

45

41

46

4

3

230

226

229

224

233

4

(3)

365

434

350

335

374

(69)

(9)

75

24

87

89

52

51

23

5

29

(59)

2

27

(24)

(22)

$

80

$

53

$

28

$

91

$

79

$

27

$

1

$ 5,717

$ 5,889

$ 5,778

$ 5,841

$ 5,845

$ (172)

$ (128)

865

814

854

807

696

51

169

2,880

2,880

2,836

2,863

2,921

-

(41)

463

448

420

420

386

15

77

$ 9,925

$ 10,031

$ 9,888

$ 9,931

$ 9,848

$ (106)

$ 77

‌($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement (GAAP View)

Net financing revenue

Total interest and fees on finance receivables and loans (1)

Interest and dividends on investment securities Interest bearing cash

Total financing revenue and other interest revenue Interest expense

Net financing revenue

Other revenue

Insurance premiums and service revenue earned Other gain / (loss) on investments, net

Other income, net of losses Total other revenue

Total net revenue Noninterest expense

Compensation and benefits expense

Insurance losses and loss adjustment expenses Other operating expenses

Total noninterest expense

Pre-tax income (loss)

Memo: Income Statement (Managerial View) Insurance premiums and other income Insurance premiums and service revenue earned Investment income and other (adjusted) (2)

Other income

Total insurance premiums and other income

Expense

Insurance losses and loss adjustment expenses Acquisition and underwriting expenses

Compensation and benefit expense Insurance commission expense Other expense

Total acquisition and underwriting expense Total expense

Core pre-tax income / (loss) (2)

Change in the fair value of equity securities (3)

Income (loss) before income tax expense

Balance Sheet (Period-End)

Cash and investment securities

Intercompany loans (1)

Premiums receivable and other insurance assets

Other assets

Total assets

Key Statistics

$ 388

$ 382

$ 389

$ 384

$ 385

$

6

$

3

36.6 %

56.0 %

33.2 %

30.0 %

38.7 %

62.1 %

60.7 %

63.0 %

60.7 %

63.9 %

98.6 %

116.7 %

96.2 %

90.7 %

102.6 %

Total written premiums and revenue (4)

Loss ratio (5)

Underwriting expense ratio (6)

Combined ratio

  1. Intercompany activity represents excess liquidity placed with corporate segment.

  2. Represents a non-GAAP financial measure. For more details refer to pages 19-24.

  3. For more details refer to pages 23-24.

  4. Written premiums are net of ceded premium for reinsurance.

  5. Loss ratio is calculated as Insurance losses and loss adjustment expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses.

  6. Underwriting expense ratio is calculated as Compensation and benefits expense and Other operating expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses. Note: Numbers may not foot due to rounding.

‌($ in millions) QUARTERLY TRENDS CHANGE VS.

Income Statement

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Net financing revenue

Total financing revenue and other interest income

$ 271

$ 252

$ 243

$ 240

$ 238

$ 19

$ 33

Interest expense

149

136

130

129

127

13

22

Net financing revenue

122

116

113

111

111

6

11

Total other revenue

31

29

35

31

25

2

6

Total net revenue

153

145

148

142

136

8

17

Provision for loan losses Noninterest expense

Compensation and benefits expense

20

19

(12)

20

8

26

11

19

8

19

32

(1)

12

-

Other operating expense

16

15

20

14

14

1

2

Total noninterest expense

35

35

46

33

33

-

2

Pre-tax income

$ 98

$ 122

$ 94

$ 98

$ 95

$ (24)

$ 3

Change in the fair value of equity securities (1)

(0)

0

0

(0)

0

(0)

(0)

Core pre-tax income (2)

$ 98

$ 122

$ 94

$ 98

$ 95

$ (24)

$ 3

Balance Sheet (Period-End)

Equity securities

$ 2

$ 2

$ 2

$ 1

$ 1

$ -

$ 1

Loans held for sale, net

274

169

121

87

78

105

196

Commercial loans

15,840

13,687

13,714

12,930

11,289

2,153

4,551

Allowance for loan losses

(186)

(164)

(226)

(219)

(207)

(22)

21

Total finance receivables and loans, net

15,654

13,523

13,488

12,711

11,082

2,131

4,572

Other assets

213

199

192

190

182

14

31

Total assets

$ 16,143

$ 13,893

$ 13,803

$ 12,989

$ 11,343

$ 2,250

$ 4,800

  1. For more details refer to pages 23-24.

  2. Represents a non-GAAP financial measure. For more details refer to pages 19-24. Note: Numbers may not foot due to rounding.

‌($ in millions) QUARTERLY TRENDS CHANGE VS.

Income Statement

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Net financing revenue

Total financing revenue and other interest income

$ 406

$ 399

$ 395

$ 415

$ 434

$ 7

$ (28)

Interest expense

150

185

246

274

307

(35)

(157)

Net financing revenue

256

214

149

141

127

42

129

Other revenue

Gain / (loss) on mortgage and automotive loans, net

(1)

2

-

(27)

-

(3)

(1)

Other income, net of losses (1)

37

20

31

32

43

17

(6)

Loss on extinguishment of debt

-

(2)

-

-

-

2

-

Total other revenue

36

20

31

5

43

16

(7)

Total net revenue

292

234

180

146

170

58

122

Provision for loan losses

(2)

-

(9)

(2)

(3)

(2)

1

Noninterest expense

Compensation and benefits expense

217

231

242

256

227

(14)

(10)

Other operating expense (2)

25

51

5

67

28

(26)

(3)

Total noninterest expense

242

282

247

323

255

(40)

(13)

Pre-tax income (loss)

$ 52

$ (48)

$ (58)

$ (175)

$ (82)

$ 100

$ 134

Change in the fair value of equity securities (3)

-

-

-

-

-

-

-

Core OID (4)

20

19

18

17

17

1

3

Repositioning (3)

-

-

(7)

59

-

-

-

Core pre-tax income (loss) (4)

$ 72

$ (29)

$ (47)

$ (99)

$ (65)

$ 101

$ 137

Balance Sheet (Period-End)

Cash, trading and investment securities

$ 29,329

$ 30,323

$ 31,976

$ 32,408

$ 32,382

$ (994)

$ (3,053)

Loans held-for-sale, net

124

204

189

450

86

(80)

38

Consumer loans

14,608

14,927

15,288

15,579

16,253

(319)

(1,645)

Commercial loans

274

279

259

233

237

(5)

37

Intercompany loans (5)

(865)

(814)

(854)

(807)

(696)

(51)

(169)

Allowance for loan losses

(14)

(14)

(14)

(15)

(20)

-

6

Total finance receivables and loans, net

14,003

14,378

14,679

14,990

15,774

(375)

(1,771)

Other assets

10,076

9,404

9,122

9,481

8,552

672

1,524

Total assets

$ 53,532

$ 54,309

$ 55,966

$ 57,329

$ 56,794

$ (777)

$ (3,262)

Core OID Amortization Schedule (4)

2026

2027

2028

2029

2030 & After

Remaining Core OID amortization expense

$ 20

$ 89

$ 104

$ 122

Avg = $139/yr

  1. Includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, and Ally Invest activity.

  2. Other operating expenses includes corporate overhead allocated to the other business segments. Amounts of corporate overhead allocated were $307 million for 3Q26, $300 million for 2Q26, $315 million for 1Q26,

    $294 million for 4Q25, and $298 million for 3Q25. The receiving business segment records the allocation of corporate overhead expense within other operating expenses.

  3. For more details refer to pages 23-24.

  4. Represents a non-GAAP financial measure. For more details refer to pages 23-24.

  5. Intercompany loans related to activity between Insurance and Corporate and Other for liquidity purposes. Note: Numbers may not foot due to rounding.

‌($ in millions) QUARTERLY TRENDS CHANGE VS.

Asset Quality - Consolidated (1)

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Ending loan balance

$ 147,959

$ 143,673

$ 139,890

$ 137,454

$ 134,567

$ 4,286

$ 13,392

30+ Accruing DPD

$ 3,718

$ 3,547

$ 3,231

$ 3,671

$ 3,401

$ 171

$ 317

30+ Accruing DPD %

2.51%

2.47%

2.31%

2.67%

2.53%

60+ Accruing DPD

$ 1,008

$ 933

$ 846

$ 984

$ 883

$ 75

$ 125

60+ Accruing DPD %

0.68%

0.65%

0.60%

0.72%

0.66%

Non-performing loans (NPLs)

$ 1,309

$ 1,226

$ 1,306

$ 1,366

$ 1,353

$ 83

$ (44)

Net charge-offs (NCOs)

$ 423

$ 394

$ 417

$ 452

$ 395

$ 29

$ 28

Net charge-off rate (2)

1.17%

1.11%

1.21%

1.34%

1.18%

Provision for loan losses

$ 529

$ 430

$ 467

$ 487

$ 415

$ 99

$ 114

Allowance for loan losses (ALLL)

$ 3,682

$ 3,576

$ 3,540

$ 3,490

$ 3,460

$ 106

$ 222

ALLL as % of Loans (3) (4)

2.49%

2.49%

2.53%

2.54%

2.57%

ALLL as % of NPLs (3)

281%

292%

271%

255%

256%

ALLL as % of NCOs (3)

218%

227%

212%

192%

219%

U.S. Auto Delinquencies - HFI Retail Contract $'s (5)

30+ Delinquent contract $

$ 3,684

$ 3,470

$ 3,197

$ 3,630

$ 3,340

$ 214

$ 344

% of retail contract $ outstanding

4.02%

3.89%

3.69%

4.24%

3.93%

60+ Delinquent contract $

$ 1,003

$ 930

$ 842

$ 974

$ 877

$ 73

$ 126

% of retail contract $ outstanding

1.10%

1.04%

0.97%

1.14%

1.03%

U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $'s

Net charge-offs

$ 427

$ 344

$ 424

$ 454

$ 399

$ 83

$ 28

% of avg. HFI assets (2)

1.89%

1.57%

1.97%

2.14%

1.88%

U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $'s (6)

Net charge-offs

$ -

$ -

$ -

$ -

$ -

$ -

$ -

% of avg. HFI assets (2)

-%

-%

-%

-%

(0.01)%

  1. Loans within this table are classified as held-for-investment recorded at amortized cost as these loans are included in our allowance for loan losses.

  2. Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding finance receivables and loans excluding loans measured at fair value, conditional repurchase loans and loans held-for-sale during the year for each loan category.

  3. Excludes provision for credit losses related to our reserve for unfunded commitments.

  4. ALLL coverage ratios are based on the allowance for loan losses related to loans held-for-investment excluding those loans held at fair value as a percentage of the unpaid principal balance, net of premiums and discounts.

  5. Auto delinquency metrics include accruing contracts only.

  6. Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding.

($ in millions)

Automotive Finance (1)

QUARTERLY TRENDS

CHANGE VS.

Consumer

3Q 26 2Q 26 1Q 26 4Q 25 3Q 25

2Q 26 3Q 25

Net Charge-offs

$ 427

$ 344

$ 424

$ 454

$ 399

$ 83

$ 28

Allowance for loan losses

$ 3,425

$ 3,345

$ 3,250

$ 3,208

$ 3,186

$ 80

$ 239

Total consumer loans (2)

$ 91,539

$ 89,184

$ 86,662

$ 85,568

$ 84,994

$ 2,355

$ 6,545

Coverage ratio (3)

3.74%

3.75%

3.75%

3.75%

3.75%

Commercial (4)

Net Charge-offs

$ -

$ -

$ -

$ -

$ -

$ -

$ -

Allowance for loan losses

$ 57

$ 53

$ 50

$ 48

$ 47

$ 4

$ 10

Total commercial loans

$ 25,656

$ 25,563

$ 23,944

$ 23,151

$ 21,794

$ 93

$ 3,862

Coverage ratio

0.22%

0.21%

0.21%

0.21%

0.21%

Consumer Mortgage (1)

Net Charge-offs

$ (1)

$ (1)

$ (8)

$ (1)

$ (3)

$ -

$ 2

Allowance for loan losses

$ 10

$ 10

$ 11

$ 12

$ 17

$ -

$ (7)

Total consumer loans

$ 14,650

$ 14,960

$ 15,311

$ 15,572

$ 16,253

$ (310)

$ (1,603)

Coverage ratio

0.07%

0.07%

0.07%

0.07%

0.10%

Corporate Finance (1)

Net Charge-offs

$ (3)

$ 51

$ 1

$ (1)

$ (1)

$ (54)

$ (2)

Allowance for loan losses

$ 186

$ 164

$ 226

$ 219

$ 207

$ 22

$ (21)

Total commercial loans

$ 15,840

$ 13,687

$ 13,714

$ 12,930

$ 11,289

$ 2,153

$ 4,551

Coverage ratio

1.17%

1.19%

1.65%

1.69%

1.83%

Corporate and Other (1)

Net Charge-offs

$ -

$ -

$ -

$ -

$ -

$ -

$ -

Allowance for loan losses

$ 4

$ 4

$ 3

$ 3

$ 3

$ -

$ 1

Total commercial loans

$ 274

$ 279

$ 259

$ 233

$ 237

$ (5)

$ 37

Coverage ratio

1.36%

1.36%

1.36%

1.38%

1.36%

  1. ALLL coverage ratios are based on the domestic allowance as a percentage of finance receivables and loans reported at their gross carrying value, which includes the principal amount outstanding, net of unearned income, unamortized deferred fees reduced by costs on originated loans, unamortized premiums and discounts on purchased loans, unamortized basis adjustments arising from the designation of finance receivables and loans as the hedged item in qualifying fair value hedge relationships, and cumulative principal charge-offs. Excludes loans held at fair value.

  2. Includes ($42M) of fair value adjustment for loans in hedge accounting relationships in 3Q26, ($33M) in 2Q26, ($23M) in 1Q26, $7M in 4Q25 and $0M in 3Q25.

  3. Excludes ($42M) of fair value adjustment for loans in hedge accounting relationships in 3Q26, ($33M) in 2Q26, ($23M) in 1Q26, $7M in 4Q25 and $0M in 3Q25.

  4. Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding.

    ‌($ in billions) QUARTERLY TRENDS CHANGE VS.

    Capital

    3Q 26

    2Q 26

    1Q 26

    4Q 25

    3Q 25

    2Q 26

    3Q 25

    Risk-weighted assets

    $ 158.2

    $ 156.8

    $ 155.2

    $ 152.8

    $ 150.7

    $ 1.3 $ 7.4

    Common Equity Tier 1 (CET1) capital ratio

    10.2%

    10.2%

    10.1%

    10.2%

    10.1%

    Tier 1 capital ratio

    11.4%

    11.4%

    11.6%

    11.7%

    11.6%

    Total capital ratio

    13.2%

    13.2%

    13.4%

    13.6%

    13.4%

    Tangible common equity / Tangible assets (1) (2)

    6.3%

    6.7%

    6.6%

    6.6%

    6.6%

    Tangible common equity / Risk-weighted assets (1)

    8.1%

    8.5%

    8.4%

    8.5%

    8.4%

    Shareholders' equity

    $ 15.0

    $ 15.5

    $ 15.6

    $ 15.5

    $ 15.1

    $ (0.5) $ (0.1)

    less: Certain AOCI items and other adjustments

    3.1

    2.4

    2.4

    2.5

    2.4

    0.7 0.7

    Preferred equity

    (2.0)

    (2.0)

    (2.3)

    (2.3)

    (2.3)

    - 0.3

    Common Equity Tier 1 capital

    $ 16.1

    $ 15.9

    $ 15.7

    $ 15.6

    $ 15.2

    $ 0.2 $ 0.9

    Common Equity Tier 1 capital

    $ 16.1

    $ 15.9

    $ 15.7

    $ 15.6

    $ 15.2

    $ 0.2 $ 0.9

    add: Preferred equity

    2.0

    2.0

    2.3

    2.3

    2.3

    - (0.3)

    less: Other adjustments

    (0.1)

    (0.1)

    (0.1)

    (0.1)

    (0.1)

    - -

    Tier 1 capital

    $ 18.0

    $ 17.8

    $ 17.9

    $ 17.9

    $ 17.4

    $ 0.2 $ 0.6

    Tier 1 capital

    $ 18.0

    $ 17.8

    $ 17.9

    $ 17.9

    $ 17.4

    $ 0.2 $ 0.6

    add: Qualifying subordinated debt

    1.0

    1.0

    1.0

    1.0

    1.0

    - -

    Allowance for loan and lease losses includible in Tier 2 capital and other adjustments

    1.9

    1.9

    1.9

    1.9

    1.8

    - 0.1

    Total capital

    $ 20.9

    $ 20.7

    $ 20.8

    $ 20.7

    $ 20.3

    $ 0.2 $ 0.6

    Total shareholders' equity

    $ 15.0

    $ 15.5

    $ 15.6

    $ 15.5

    $ 15.1

    $ (0.5) $ (0.1)

    less: Preferred equity

    (2.0)

    (2.0)

    (2.3)

    (2.3)

    (2.3)

    - 0.3

    Goodwill and intangible assets, net of deferred tax liabilities

    (0.2)

    (0.2)

    (0.2)

    (0.2)

    (0.2)

    - -

    Tangible common equity (1)

    $ 12.8

    $ 13.3

    $ 13.1

    $ 13.0

    $ 12.6

    $ (0.5) $

    0.2

    Total assets

    $ 203.3

    $ 199.8

    $ 197.3

    $ 196.0

    $ 191.7

    $ 3.5 $

    11.6

    less: Goodwill and intangible assets, net of deferred tax liabilities

    (0.2)

    (0.2)

    (0.2)

    (0.2)

    (0.2)

    - -

    Tangible assets (2)

    $ 203.1

    $ 199.6

    $ 197.1

    $ 195.8

    $ 191.5

    $ 3.5 $ 11.6

    1. Represents a non-GAAP financial measure. For more details refer to pages 23-24.

    2. Ally defines tangible assets as total assets less goodwill and intangible assets, net of deferred tax liabilities. Note: Numbers may not foot due to rounding.

QUARTERLY TRENDS CHANGE VS.

Consolidated Available Liquidity ($ in billions)

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Liquid cash and cash equivalents (1)

$ 7.5

$ 7.5

$ 8.9

$ 9.7

$ 9.5

$ (0.0)

$ (2.0)

Highly liquid securities (2)

19.4

20.6

20.4

20.3

19.9

(1.2)

(0.5)

Subtotal

$ 26.9

$ 28.2

$ 29.3

$ 30.0

$ 29.5

$ (1.2)

$ (2.5)

FHLB Unused Pledged Borrowing Capacity

6.4

7.5

9.5

9.1

10.3

(1.2)

(3.9)

FRB Discount Window Unused Pledged Capacity

27.9

27.2

27.0

26.9

26.9

0.7

1.0

Total unused pledged capacity

$ 34.3

$ 34.7

$ 36.5

$ 36.0

$ 37.2

$ (0.4)

$ (2.9)

Total current available liquidity

$ 61.2

$ 62.8

$ 65.8

$ 66.1

$ 66.6

$ (1.6)

$ (5.4)

2031 &

Unsecured Long-Term Debt Maturity Profile

2026

2027

2028

2029

2030

After

Consolidated remaining maturities (3)

$ - $

1.5

$ 0.8

$ 1.6

$ 1.5

$ 5.3

Ally Bank Deposits

Key Deposit Statistics

Average retail CD duration (months)

18.2

17.8

17.6

17.4

17.2

0.4

1.0

Average retail deposit rate

3.05%

3.12%

3.26%

3.35%

3.48%

End of Period Deposit Levels ($ in millions)

Retail

$ 141,923

$ 143,566

$ 146,132

$ 143,529

$ 141,843

$ (1,643)

$ 80

Brokered & other

13,881

10,480

7,020

8,120

6,567

3,401

7,314

Total deposits

$155,804

$154,046

$ 153,152

$151,649

$148,410

$ 1,758

$ 7,394

Deposit Mix

Retail CD

21%

22%

23%

23%

24%

MMA/OSA/Checking

70%

72%

73%

71%

71%

Brokered & other

9%

6%

4%

6%

5%

  1. May include the restricted cash accumulation for retained notes maturing within the following 30 days and returned to Ally on the distribution date.

  2. Includes unencumbered UST, Agency-backed securities, and highly liquid Corporates.

  3. Excludes retail notes and credit linked notes; as of 09/30/26. Reflects notional value of outstanding bond. Excludes total GAAP OID and capitalized transaction costs. Note: Numbers may not foot due to rounding.

($ in millions) QUARTERLY TRENDS CHANGE VS.

Average Balance Details

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

Retail Auto Loans

$ 89,874

$ 87,535

$ 85,858

$ 84,865

$ 84,592

$ 2,339

$ 5,282

Auto Lease (net of dep.)

8,496

8,689

8,805

8,753

8,255

(193)

241

Dealer Floorplan

17,246

16,834

15,466

15,956

14,771

412

2,475

Other Dealer Loans

7,988

7,886

7,460

6,541

6,348

102

1,640

Corporate Finance

14,786

13,811

13,348

12,078

11,085

975

3,701

Mortgage (1)

14,870

15,200

15,708

16,070

16,458

(330)

(1,588)

Cash and Cash Equivalents (4)

9,079

8,931

9,100

8,983

8,465

148

614

Investment Securities and Other

29,394

29,537

29,326

29,191

28,756

(143)

638

Total Earning Assets

$ 191,733

$ 188,423

$ 185,071

$ 182,437

$ 178,730

$ 3,310

$ 13,003

Interest Revenue

3,294

3,196

3,106

3,160

3,162

98

132

Unsecured Debt (ex. Core OID balance) (2)

$ 10,554

$ 10,489

$ 10,654

$ 11,273

$ 11,598

$ 65

$ (1,044)

Secured Debt

3,161

3,187

2,860

2,604

1,780

(26)

1,381

Deposits (3)

154,197

152,591

151,867

149,028

147,660

1,606

6,537

Other Borrowings

10,253

8,433

6,137

5,845

4,590

1,820

5,663

Total Funding Sources (ex. Core OID balance) (2)

$ 178,165

$ 174,701

$ 171,518

$ 168,750

$ 165,628

$ 3,464

$ 12,537

Interest Expense (ex. Core OID) (2)

1,526

1,493

1,499

1,545

1,561

33

(35)

Net Financing Revenue (ex. Core OID) (2)

$ 1,768

$ 1,703

$ 1,607

$ 1,615

$ 1,601

$ 65

$ 167

Net Interest Margin (yield details)

Retail Auto Loan

9.22%

9.28%

9.30%

9.32%

9.28%

(0.06)%

(0.06)%

Retail Auto Loan (excl. hedge impact)

9.20%

9.25%

9.27%

9.27%

9.21%

(0.05)%

(0.01)%

Auto Lease (net of dep.)

5.16%

5.61%

5.73%

5.93%

6.70%

(0.45)%

(1.54)%

Dealer Floorplan

5.64%

5.55%

5.70%

5.91%

6.42%

0.09%

(0.78)%

Other Dealer Loans

6.07%

6.02%

5.94%

5.68%

5.66%

0.05%

0.41%

Corporate Finance

7.30%

7.36%

7.43%

7.98%

8.59%

(0.06)%

(1.29)%

Mortgage (1)

3.12%

3.16%

3.21%

3.13%

3.14%

(0.04)%

(0.02)%

Cash and Cash Equivalents (4)

3.54%

3.57%

3.61%

3.89%

4.28%

(0.03)%

(0.74)%

Investment Securities and Other

3.46%

3.34%

3.28%

3.34%

3.47%

0.12%

(0.01)%

Total Earning Assets

6.81%

6.80%

6.81%

6.87%

7.02%

0.01%

(0.21)%

Unsecured Debt (ex. Core OID & Core OID balance) (2)

6.37%

6.43%

6.44%

6.36%

6.33%

(0.06)%

0.04%

Secured Debt

4.99%

4.87%

5.17%

5.14%

5.41%

0.12%

(0.42)%

Deposits (3)

3.12%

3.15%

3.29%

3.38%

3.50%

(0.03)%

(0.38)%

Other Borrowings (5)

4.01%

4.11%

4.02%

4.21%

4.26%

(0.10)%

(0.25)%

Total Funding Sources (ex. Core OID & Core OID balance) (2)

3.40%

3.43%

3.55%

3.63%

3.74%

(0.03)%

(0.34)%

NIM (as reported)

3.62%

3.59%

3.48%

3.48%

3.51%

0.03%

0.11%

NIM (ex. Core OID & Core OID balance) (2)

3.66%

3.63%

3.52%

3.51%

3.55%

0.03%

0.11%

  1. Mortgage loans in run-off at the Corporate and Other segment.

  2. Represents a non-GAAP financial measure. Excludes Core OID from interest expense and Core OID balance from Unsecured Debt. For more details refer to pages 23-24.

  3. Includes retail, brokered, and other deposits. Other includes sweep deposits and other deposits.

  4. Includes interest expense related to margin received on derivative contracts. Excluding this expense, annualized yields were 3.63% for 3Q26, 3.62% for 2Q26, 3.61% for 1Q26, 3.88% for 4Q25, and 4.28% for 3Q25.

  5. Includes FHLB Borrowings, Repurchase Agreements and other. Note: Numbers may not foot due to rounding.

($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS.

Earnings Per Share Data

3Q 26

2Q 26

1Q 26

4Q 25

3Q 25

2Q 26

3Q 25

GAAP net income (loss) attributable to common shareholders

$ 401

$ 367

$ 291

$ 300

$ 371

$ 34

$ 30

Weighted-average common shares outstanding - basic

305,074

308,362

310,992

310,792

310,342

(3,287)

(5,267)

Weighted-average common shares outstanding - diluted

308,133

311,035

313,219

314,264

313,823

(2,902)

(5,690)

Issued shares outstanding (period-end)

300,538

304,543

307,408

308,493

307,828

(4,004)

(7,290)

Net income (loss) per share - basic

$ 1.32

$ 1.19

$ 0.94

$ 0.97

$ 1.19

$ 0.12

$ 0.12

Net income (loss) per share - diluted

$ 1.30

$ 1.18

$ 0.93

$ 0.95

$ 1.18

$ 0.12

$ 0.12

Adjusted Earnings per Share ("Adjusted EPS") (1)

Numerator

GAAP net income (loss) attributable to common shareholders

$ 401

$ 367

$ 291

$ 300

$ 371

$ 34

$ 30

Discontinued operations, net of tax

-

-

-

-

-

-

-

Core OID (2)

20

19

18

17

17

1

3

Change in the fair value of equity securities (3)

(5)

(29)

59

(2)

(27)

24

22

Core OID, repositioning & change in the fair value of equity securities tax (tax rate 21%)

(3)

2

(15)

(16)

2

(5)

(5)

Repositioning (3)

-

-

(7)

59

-

-

-

Significant discrete tax items

-

-

-

(18)

-

-

-

Capital actions (preferred redemption)

-

15

-

-

-

(15)

-

Core net income attributable to common shareholders (2)

$ 412

$ 375

$ 346

$ 341

$ 363

$ 37

$ 49

Denominator

Weighted-average common shares outstanding - basic or diluted as applicable

308,133

311,035

313,219

314,264

313,823

(2,902)

(5,690)

Adjusted EPS (1)

$ 1.34

$ 1.21

$ 1.11

$ 1.09

$ 1.15

$ 0.13

$ 0.18

GAAP original issue discount amortization expense

$ 21

$ 20

$ 19

$ 19

$ 19

$ 1

$ 2

Other OID

(1)

(1)

(1)

(2)

(2)

(0)

0

Core original issue discount (Core OID) amortization expense (2)

$ 20

$ 19

$ 18

$ 17

$ 17

$ 1

$ 3

GAAP outstanding original issue discount balance

$ (628)

$ (649)

$ (670)

$ (689)

$ (708)

$ 21

$ 80

Other outstanding OID balance

14

16

17

18

20

(1)

(6)

Core outstanding original issue discount balance (Core OID balance) (2)

$ (614)

$ (634)

$ (653)

$ (671)

$ (688)

$ 20

$ 74

GAAP Net Financing Revenue

$ 1,748

$ 1,684

$ 1,589

$ 1,598

$ 1,584

$ 64

$ 164

Core OID (2)

20

19

18

17

17

1

3

Net Financing Revenue (ex. Core OID) (2)

$ 1,768

$ 1,703

$ 1,607

$ 1,615

$ 1,601

$ 65

$ 167

GAAP Other Revenue

$ 584

$ 602

$ 513

$ 525

$ 584

$ (18)

$ -

Repositioning (3)

-

-

0

27

-

-

-

Change in the fair value of equity securities (3)

(5)

(29)

59

(2)

(27)

24

22

Adjusted Other Revenue (3)

$ 579

$ 573

$ 572

$ 550

$ 557

$ 6

$ 22

GAAP Provision Expense

$ 529

$ 430

$ 467

$ 487

$ 415

$ 99

$ 114

Repositioning (3)

-

-

7

(1)

-

-

-

Adjusted Provision (ex. Repositioning) (3)

$ 529

$ 430

$ 474

$ 486

$ 415

$ 99

$ 114

GAAP Noninterest Expense

$ 1,236

$ 1,319

$ 1,235

$ 1,250

$ 1,240

$ (83)

$ (4)

Repositioning and other (3)

-

-

-

(31)

-

-

-

Adjusted Noninterest Expense (2)

$ 1,236

$ 1,319

$ 1,235

$ 1,219

$ 1,240

$ (83)

$ (4)

(1) Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company. Management believes Adjusted EPS can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. In the numerator of Adjusted EPS, GAAP net income attributable to common shareholders is adjusted for the following items: (1) excludes discontinued operations, net of tax, as Ally is primarily a domestic company and sales of international businesses and other discontinued operations in the past have significantly impacted GAAP EPS, (2) adds back the tax-effected non-cash Core OID, (3) adjusts for tax-effected repositioning and other which are primarily related to the extinguishment of high cost legacy debt, strategic activities and significant other one-time items, (4) change in fair value of equity securities, (5) excludes significant discrete tax items that do not relate to the operating performance of the core businesses, and adjusts for preferred stock capital actions that have been taken by the company to normalize its capital structure, as applicable for respective periods. See pages 23-24 for details.

  1. Represents a non-GAAP financial measure. For more details refer to pages 23-24.

  2. For more details refer to pages 23-24. Note: Numbers may not foot due to rounding.

‌($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS.

Adjusted Tangible Book Value Per Share ("Adjusted TBVPS") Information Numerator

GAAP shareholders' equity

3Q 26

$ 14,970

2Q 26

$ 15,491

1Q 26

$ 15,609

4Q 25

$ 15,498

3Q 25

$ 15,117

2Q 26

$ (521)

3Q 25

$ (147)

Preferred equity

(1,976)

(1,976)

(2,324)

(2,324)

(2,324)

-

348

GAAP common shareholders' equity

$ 12,994

$ 13,515

$ 13,285

$ 13,174

$ 12,793

$ (521)

$ 201

Goodwill and identifiable intangibles, net of DTLs

(187)

(187)

(187)

(187)

(187)

0

0

Tangible common equity (1)

12,807

13,328

13,098

12,987

12,606

(521)

201

Tax-effected Core OID balance (21% tax rate) (1)

(485)

(501)

(516)

(530)

(544)

15

58

Adjusted tangible book value (2)

$ 12,322

$ 12,827

$ 12,582

$ 12,457

$ 12,062

$ (505)

$ 260

Denominator

Issued shares outstanding (period-end, thousands)

300,538

304,543

307,408

308,493

307,828

(4,004)

(7,290)

GAAP shareholders' equity per share

$ 49.81

$ 50.87

$ 50.78

$ 50.24

$ 49.11

$ (1.06)

$ 0.70

Preferred equity per share

(6.57)

(6.49)

(7.56)

(7.53)

(7.55)

(0.09)

0.97

GAAP common shareholders' equity per share

$ 43.24

$ 44.38

$ 43.22

$ 42.70

$ 41.56

$ (1.14)

$ 1.68

Goodwill and identifiable intangibles, net of DTLs per share

(0.62)

(0.61)

(0.61)

(0.61)

(0.61)

(0.01)

(0.01)

Tangible common equity per share (1)

42.61

43.76

42.61

42.10

40.95

(1.15)

1.66

Tax-effected Core OID balance (21% tax rate) per share (1)

(1.61)

(1.64)

(1.68)

(1.72)

(1.77)

0.03

0.15

Adjusted tangible book value per share (2)

$ 41.00

$ 42.12

$ 40.93

$ 40.38

$ 39.19

$ (1.12)

$ 1.81

  1. Represents a non-GAAP financial measure. For more details refer to pages 23-24.

  2. Adjusted tangible book value per share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholders' equity per share. Adjusted TBVPS generally adjusts common equity for (1) goodwill and identifiable intangibles, net of DTLs, and (2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered.

Note: Numbers may not foot due to rounding.

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