8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

November 5, 2020

(Date of report; date of

earliest event reported)

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	(I.R.S. Employer
incorporation or organization)	Identification No.)

Ally Detroit Center

500 Woodward Ave.

Floor 10, Detroit, Michigan

48226

(Address of principal executive offices)

(Zip Code)

(866) 710-4623

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.01 per share	ALLY	NYSE
8.125% Fixed Rate/Floating Rate Trust Preferred Securities, Series 2 of GMAC Capital Trust I	ALLY PRA	NYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

Item 7.01 Regulation FD Disclosure.

Ally Financial Inc. President of Consumer & Commercial Banking Products Diane Morais will present virtually at the BancAnalysts Association of Boston Conference on Thursday, Nov. 5, 2020 from approximately 2:40 – 3:20 p.m. ET. The presentation is attached hereto and incorporated by reference as Exhibit 99.1. A live audio webcast and presentation materials will be available at http://www.ally.com/about/investor/ under the Events and Presentations section of the Investor Relations website. A replay will also be available. The information in this Item 7.01 and Exhibit 99.1 is being furnished and is not deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.

Item 9.01    Financial Statements and Exhibits.

Exhibit No.	Description
99.1	2020 BancAnalysts Association of Boston Conference Presentation Materials
104	The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		Ally Financial Inc. (Registrant)
Dated:	November 5, 2020	/s/ David J. DeBrunner
		David J. DeBrunner
		Vice President, Chief Accounting Officer and Controller

EX-99.1

Ally Financial Inc. BancAnalysts Association of Boston, Inc. | Virtual Conference November 5, 2020 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com 2020 BAAB Investor Conference 1

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. This presentation and related communications contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts—such as statements about future effects of COVID-19 and our ability to navigate them, the outlook for financial and operating metrics and performance, and future capital allocation and actions. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “outlook,” “forecast,” “potential,” “target,” “objective,” “trend,” “plan,” “goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual future objectives, strategies, plans, prospects, performance, conditions, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events or circumstances to differ from those in forward-looking statements are described in our Annual Report on Form 10-K for the year ended December 31, 2019, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (collectively, our “SEC filings”). Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent SEC filings. Unless the context otherwise requires, the following definitions apply. The term “loans” means the following consumer and commercial products associated with our direct and indirect financing activities: loans, retail installment sales contracts, lines of credit, and other financing products excluding operating leases. The term “operating leases” means consumer- and commercial- vehicle lease agreements where Ally is the lessor and the lessee is generally not obligated to acquire ownership of the vehicle at lease-end or compensate Ally for the vehicle’s residual value. The terms “lend,” “finance,” and “originate” mean our direct extension or origination of loans, our purchase or acquisition of loans, or our purchase of operating leases, as applicable. The term “consumer” means all consumer products associated with our loan and operating-lease activities and all commercial retail installment sales contracts. The term “commercial” means all commercial products associated with our loan activities, other than commercial retail installment sales contracts. The term “partnerships” means business arrangements rather than partnerships as defined by law. 2020 BAAB Investor Conference 2

Ally’s Customer Evolution 10-Years of Customer Growth Ally’s Growing Customer Base Ally Bank Customer Trends Retail Deposit Customers % Multi-Product Customers 2.2M 8.5M+ 2.0M customers 7% 1.2M 6% # of Customers 4.5M 0.8M 0.4M <1% Auto 2010 2013 2016 2019 3Q 2020 Note: Multi-product Customers represent Deposit Customers with an Ally Invest or Ally Home relationship. Ally Auto Dealer Relationship & Application Trends Insurance Active U.S. Dealer Relationships U.S. Consumer Applications 2.0M Retail Deposits 18.3K 18.7K 17.1K 14.9K 12.6M 1.0M 12.4K 11.2M 9.3M 7.8M YTD 500k Invest 3.7M 50K Home 2010 2013 2016 2019 3Q 2020 Note: Active U.S. Dealer Relationships include Ally active dealers, excluding RV Commercial and Consumer lines of business exited in 2Q 18. 2020 BAAB Investor Conference 3

Ally’s Sustainable Competitive Advantage Ally Bank: Early-Disruptor With Expanding Digital Consumer Platform Digitally-based, Frictionless Platforms Tech + Data-Driven Approach 0 Branches | Differentiated by Digital | Award-winning Leveraging Digital Model for Insights & Trends High Customer Growth + Low Cost to Acquire Diversified Consumer + Commercial Product Offerings 10-years of Growth | Millennial-driven Account Openings Save, Pay, Borrow & Invest | Ongoing Relationship Deepening Scalable Infrastructure + Strategically Partnered Award-winning Offerings + Leading Customer Service Positioned for Organic Growth | Enhancing-Partnerships Built for the Customer | Low Fees | Strong Loyalty & Satisfaction Auto & Insurance: Established, Market-leading Capabilities Full-Market Reach Across Growing Dealer Base Tech, Digital Tools & Data Analytics Established & Emerging Players | Franchised & Independent Modern Servicing System | Digital, Self-service Portals Dynamic Underwriting + Disciplined Servicer Full Product Suite + Real-time Market Insights Full-Spectrum Credit Expertise | Customer-Focused Actions Retail, Lease, Floorplan | Insurance | SmartAuction Strong Dealer-Partner + Differentiated Service Levels Proven Capabilities + Adaptable Model Enhanced Dealer Engagement | Experienced Field Reps & Teams 100-years in Auto | Anticipating & Evolving with Market 2020 BAAB Investor Conference 4

Recent Trends: Deposit & Consumer Offerings Retail Deposit Growth Retail Deposit Customers (# thousands) ($ billions) 2,211 $4.0 $3.0 $2.0 1,992 $1.0 $0.0 1Q'20 Apr May Jun Jul Aug Sep Jan Feb Mar Apr May Jun Jul Aug Sep Ally Home: Direct-to-Consumer Originations Ally Invest ($ millions) ($ billions) Customer Cash Customer Securities Funded Accounts $500 $15 $11.1 $400 $10 $7.9 400k $300 350k $5 $200 $100 $- Jan Feb Mar Apr May Jun Jul Aug Sep $0 Avg. Trades / Day Jan Feb Mar Apr May Jun Jul Aug Sep 30.4k 38.2k 61.8k 58.3k 58.9k 64.5k 57.7k 58.6k 59.6k Note: Ally Invest Brokerage Customer Cash and Brokerage Customer Securities are gross figures and Note: All data reflects 2020 monthly data. may not foot to the total due to minimal margin activity. 2020 BAAB Investor Conference 5

XML

Document and Entity Information Document	Nov. 05, 2020
Entity Information [Line Items]
Document Type	8-K
Document Period End Date	Nov. 05, 2020
Entity File Number	1-3754
Entity Registrant Name	ALLY FINANCIAL INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	38-0572512
Entity Address, Address Description	Ally Detroit Center
Entity Address, Address Line One	500 Woodward Ave.
Entity Address, Address Line Two	Floor 10
Entity Address, City or Town	Detroit
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	48226
City Area Code	866
Local Phone Number	710-4623
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Entity Central Index Key	0000040729
Amendment Flag	false
Common Stock
Entity Information [Line Items]
Security Exchange Name	NYSE
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	ALLY
Trust Preferred Securities Subject to Mandatory Redemption [Member]
Entity Information [Line Items]
Security Exchange Name	NYSE
Title of 12(b) Security	8.125% Fixed Rate/Floating Rate Trust Preferred Securities, Series 2 of GMAC Capital Trust I
Trading Symbol	ALLY PRA