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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2022, or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from                          to                         
Commission file number: 1-3754
Ally Financial Inc.
(Exact name of registrant as specified in its charter)
Delaware 38-0572512
(State or other jurisdiction of
incorporation or organization)
 (I.R.S. Employer
Identification No.)
Ally Detroit Center
500 Woodward Avenue, Floor 10
Detroit, Michigan 48226
(Address of principal executive offices)
(Zip Code)
(866710-4623
(Registrant’s telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolsName of each exchange on which registered
Common Stock, par value $0.01 per shareALLYNYSE
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.                    Yes                     No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).                            Yes                     No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer
  Accelerated filer  Non-accelerated filer
Smaller reporting company
  
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes                     No
At April 28, 2022, the number of shares outstanding of the Registrant’s common stock was 323,046,067 shares.
1

INDEX
Ally Financial Inc. • Form 10-Q
Page

Item 1.
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.
2

Index of Defined Terms
Ally Financial Inc. • Form 10-Q

Glossary of Abbreviations and Acronyms
The following is a list of abbreviations and acronyms that are used in this Quarterly Report on Form 10-Q.
TermDefinition
ALCOAsset-Liability Committee
ALMAsset Liability Management
ASCAccounting Standards Codification
ASUAccounting Standards Update
BHCBank holding company
BHC ActBank Holding Company Act of 1956 as amended
BMCBetter Mortgage Company
BoardAlly Board of Directors
CCARComprehensive Capital Analysis and Review
CDCertificate of deposit
CECLAccounting Standards Update 2016-13 (and related Accounting Standards Updates), or current expected credit loss
CFECities for Financial Empowerment
COVID-19Coronavirus disease 2019
CRACommunity Reinvestment Act of 1977 as amended
CSGCommercial Services Group
CVACredit valuation adjustment
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection Act of 2010 as amended
EGRRCP ActEconomic Growth, Regulatory Relief, and Consumer Protection Act as amended
ERMCEnterprise Risk Management Committee
ESGEnvironmental, social, and governance
F&IFinance and insurance
Fair Square
Fair Square Financial Holdings LLC and its subsidiaries
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
FDICIAFederal Deposit Insurance Corporation Improvement Act of 1991 as amended
FHCFinancial holding company
FHLBFederal Home Loan Bank
FRBFederal Reserve Bank, or Board of Governors of the Federal Reserve System, as the context requires
FTPFunds-transfer pricing
GAPGuaranteed asset protection
GDPGross domestic product of the United States of America
GMGeneral Motors Company
IB FinanceIB Finance Holding Company, LLC
IRAIndividual retirement account
LCRLiquidity coverage ratio
LIBORLondon Interbank Offered Rate
LMILow-to-moderate income
LTVLoan-to-value
MD&AManagement’s Discussion and Analysis of Financial Condition and Results of Operations
NYSENew York Stock Exchange
OTCOver-the-counter
P&CProperty and casualty
PCAPrompt corrective action
PCDPurchased credit deteriorated
3

Index of Defined Terms
Ally Financial Inc. • Form 10-Q

TermDefinition
RCRisk Committee of the Ally Board of Directors
ROURight-of-use
RVRecreational vehicle
RWARisk-weighted asset
SECU.S. Securities and Exchange Commission
Series 2 TRUPS8.125% Fixed Rate/Floating Rate Trust Preferred Securities, Series 2 of GMAC Capital Trust I
SOFRSecured Overnight Financing Rate
SPESpecial-purpose entity
StellantisStellantis N.V.
TDRTroubled debt restructuring
UPBUnpaid principal balance
U.S. Basel IIIThe rules implementing the 2010 Basel III capital framework in the United States as well as related provisions of the Dodd-Frank Act, as amended from time to time
U.S. GAAPAccounting Principles Generally Accepted in the United States of America
VIEVariable interest entity
VMCVehicle maintenance contract
VSCVehicle service contract
WACWeighted-average coupon
wSTWFWeighted short-term wholesale funding
4

PART I — FINANCIAL INFORMATION
Item 1. Financial Statements
Condensed Consolidated Statement of Comprehensive Income (unaudited)
Ally Financial Inc. • Form 10-Q


Three months ended March 31,
($ in millions)20222021
Financing revenue and other interest income
Interest and fees on finance receivables and loans
$1,714 $1,582 
Interest on loans held-for-sale
4 5 
Interest and dividends on investment securities and other earning assets
188 131 
Interest on cash and cash equivalents
2 4 
Operating leases
403 370 
Total financing revenue and other interest income
2,311 2,092 
Interest expense
Interest on deposits
211 306 
Interest on short-term borrowings
5 1 
Interest on long-term debt185 250 
Total interest expense
401 557 
Net depreciation expense on operating lease assets
217 163 
Net financing revenue and other interest income
1,693 1,372 
Other revenue
Insurance premiums and service revenue earned
280 280 
Gain on mortgage and automotive loans, net14 36 
Loss on extinguishment of debt (1)
Other gain on investments, net5 123 
Other income, net of losses
143 127 
Total other revenue
442 565 
Total net revenue
2,135 1,937 
Provision for credit losses
167 (13)
Noninterest expense
Compensation and benefits expense
493 395 
Insurance losses and loss adjustment expenses
58 63 
Other operating expenses
571 485 
Total noninterest expense
1,122 943 
Income from continuing operations before income tax expense846 1,007 
Income tax expense from continuing operations191 211 
Net income from continuing operations655 796 
Net income655 796 
Other comprehensive loss, net of tax(1,633)(604)
Comprehensive (loss) income$(978)$192 
Statement continues on the next page.
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
5


Condensed Consolidated Statement of Comprehensive Income (unaudited)
Ally Financial Inc. • Form 10-Q
Three months ended March 31,
($ in millions, except per share data; shares in thousands) (a)
20222021
Net income from continuing operations attributable to common stockholders$627 $796 
Net income attributable to common stockholders$627 $796 
Basic weighted-average common shares outstanding (b)335,678 375,229 
Diluted weighted-average common shares outstanding (b)337,812 377,529 
Basic earnings per common share
Net income from continuing operations$1.87 $2.12 
Net income$1.87 $2.12 
Diluted earnings per common share
Net income from continuing operations$1.86 $2.11 
Net income$1.86 $2.11 
Cash dividends declared per common share$0.30 $0.19 
(a)Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.
(b)Includes shares related to share-based compensation that vested but were not yet issued.
Refer to Note 17 for additional earnings per share information. The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
6

Condensed Consolidated Balance Sheet (unaudited)
Ally Financial Inc. • Form 10-Q
($ in millions, except share data)March 31, 2022December 31, 2021
Assets
Cash and cash equivalents
Noninterest-bearing
$470 $502 
Interest-bearing
3,462 4,560 
Total cash and cash equivalents (a)3,932 5,062 
Equity securities
869 1,102 
Available-for-sale securities (amortized cost of $35,592 and $33,650) (a)
33,385 33,587 
Held-to-maturity securities (fair value of $1,106 and $1,204)
1,159 1,170 
Loans held-for-sale, net
471 549 
Finance receivables and loans, net
Finance receivables and loans, net of unearned income
125,365 122,268 
Allowance for loan losses
(3,301)(3,267)
Total finance receivables and loans, net
122,064 119,001 
Investment in operating leases, net
10,730 10,862 
Premiums receivable and other insurance assets
2,730 2,724 
Other assets
8,957 8,057 
Total assets
$184,297 $182,114 
Liabilities
Deposit liabilities
Noninterest-bearing
$175 $150 
Interest-bearing
142,300 141,408 
Total deposit liabilities
142,475 141,558 
Short-term borrowings
3,950  
Long-term debt
15,885 17,029 
Interest payable
302 210 
Unearned insurance premiums and service revenue
3,500 3,514 
Accrued expenses and other liabilities
2,772 2,753 
Total liabilities
168,884 165,064 
Contingencies (refer to Note 24)
Equity
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 506,435,119 and 504,521,535; and outstanding 327,306,298 and 337,940,636)
21,728 21,671 
Preferred stock2,324 2,324 
Accumulated deficit
(1,076)(1,599)
Accumulated other comprehensive loss(1,791)(158)
Treasury stock, at cost (179,128,821 and 166,580,899 shares)
(5,772)(5,188)
Total equity
15,413 17,050 
Total liabilities and equity
$184,297 $182,114 
(a)Refer to Note 7 for discussion of cash and cash equivalents and investment securities pledged as collateral.
Statement continues on the next page.
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
7

Condensed Consolidated Balance Sheet (unaudited)
Ally Financial Inc. • Form 10-Q
The assets of consolidated variable interest entities that can be used only to settle obligations of the consolidated variable interest entities and the liabilities of these entities for which creditors (or beneficial interest holders) do not have recourse to our general credit were as follows.
($ in millions)March 31, 2022December 31, 2021
Assets
Finance receivables and loans, net
Consumer automotive$7,818 $6,871 
Consumer other (a) 353 
Allowance for loan losses(263)(278)
Total finance receivables and loans, net7,555 6,946 
Other assets633 563 
Total assets$8,188 $7,509 
Liabilities
Long-term debt
$797 $1,337 
Accrued expenses and other liabilities2 2 
Total liabilities$799 $1,339 
(a)Composed of credit card finance receivables and loans, net.
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
8

Condensed Consolidated Statement of Changes in Equity (unaudited)
Ally Financial Inc. • Form 10-Q
($ in millions)Common stock and paid-in capitalPreferred stockAccumulated deficitAccumulated other comprehensive income (loss)Treasury stockTotal equity
Balance at January 1, 2021$21,544 $ $(4,278)$631 $(3,194)$14,703 
Net income796 796 
Share-based compensation22 22 
Other comprehensive loss(604)(604)
Common stock repurchases(219)(219)
Common stock dividends ($0.19 per share)
(73)(73)
Balance at March 31, 2021$21,566 $ $(3,555)$27 $(3,413)$14,625 
Balance at January 1, 2022$21,671 $2,324 $(1,599)$(158)$(5,188)$17,050 
Net income655 655 
Preferred stock dividends — Series B(16)(16)
Preferred stock dividends — Series C(12)(12)
Share-based compensation57 57 
Other comprehensive loss(1,633)(1,633)
Common stock repurchases(584)(584)
Common stock dividends ($0.30 per share)
(104)(104)
Balance at March 31, 2022$21,728 $2,324 $(1,076)$(1,791)$(5,772)$15,413 
The Notes to the Condensed Consolidated Financial Statements (unaudited) are an integral part of these statements.
9

Condensed Consolidated Statement of Cash Flows (unaudited)
Ally Financial Inc. • Form 10-Q
Three months ended March 31, ($ in millions)