Ally Financial Inc.

Company overview

• Ally Financial Inc. is a financial-services company with $196.0 billion in assets as of December 31, 2025.
• It operates the nation’s largest all-digital bank and an automotive financing and insurance business.
• Services include deposits, securities brokerage and investment advisory services, automotive financing and insurance, and a corporate finance business.

Corporate structure and scope

• Ally is a Delaware corporation, registered as a bank holding company (BHC) under the BHC Act and a financial holding company (FHC) under the GLB Act.
• Primary business lines:
  • Dealer Financial Services (composed of Automotive Finance and Automotive Insurance)
  • Corporate Finance
• Corporate and Other includes centralized corporate treasury activities (including deposit operations), management of the consumer mortgage portfolio, Ally Invest, Ally Lending, Ally Credit Card, and reclassifications/eliminations between reportable segments.

Key corporate actions and portfolio changes

• Ally Lending was sold on March 1, 2024.
• Ally Credit Card was sold on April 1, 2025.
• Consumer mortgage originations ceased in Q2 2025, initiating a gradual run-off of the consumer mortgage loan portfolio.
• Ally Bank’s assets and operating results are included within the Automotive Finance, Corporate Finance, and Corporate and Other segments based on underlying activities.
• As of December 31, 2025, Ally Bank had total assets of $184.6 billion and total nonaffiliate deposits of $151.6 billion.

Strategic objectives

• Invest in market-leading franchises and deliver a differentiated value proposition across Dealer Financial Services, Corporate Finance, and Ally Bank.
• Maintain a culture focused on customers, communities, employees, and shareholders.
• Accept risks that can be understood and effectively managed.
• Maintain a relevant and disruptive brand in banking.
• Advance technology that powers dealer and consumer products and services, using data and AI.
• Improve financial results and shareholder returns.

Focus areas by segment

• Automotive Finance: strengthen dealer engagement, deepen strategic partnerships, expand originations, manage risk, and broaden expansion strategies.
• Insurance: grow written premiums, drive accretive returns via the dealer network, improve processes and claims management, manage risk, and use strategic reinsurance.
• Corporate Finance: expand the portfolio with private equity sponsors and asset managers; develop new relationships and explore opportunities in other markets and industries.
• Ally Bank: grow the base of customers who consider Ally their primary bank; improve customer experiences and services.
• Ally Invest: provide investment solutions for deposit customers to grow and diversify portfolios and strengthen overall deposit relationships.
• Cross-organizational initiative: pursue operating efficiencies through AI and automation.

Definitions

• Loans: consumer and commercial products related to direct or indirect financing activities (loans, retail installment contracts, lines of credit, and other financing products excluding operating leases).
• Operating leases: vehicle lease arrangements where Ally is the lessor and the lessee is generally not obligated to acquire ownership at lease-end or compensate for residual value.
• “Lend,” “finance,” and “originate”: direct extension or origination of loans, purchase of loans, or purchase of operating leases, as applicable.
• “Consumer” vs “Commercial”: distinguishes consumer products from commercial products (excluding commercial retail installment sales contracts).
• “Partnerships”: business arrangements, not legal partnerships.