Finance Receivables and Loans, Net (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable

The composition of finance receivables and loans reported at amortized cost basis was as follows.

December 31, ($ in millions)	2024		2023
Consumer automotive (a)	$	83,757	$	84,320
Consumer mortgage (b)	17,234		18,667
Consumer other
Credit Card	2,294		1,990
Total consumer other	2,294		1,990
Total consumer	103,285		104,977
Commercial
Commercial and industrial
Automotive	18,259		18,700
Other	8,212		9,712
Commercial real estate	6,274		6,050
Total commercial	32,745		34,462
Total finance receivables and loans (c) (d)	$	136,030	$	139,439

(a)Certain finance receivables and loans are included in fair value hedging relationships. Refer to Note 21 for additional information.

(b)Includes loans originated as interest-only mortgage loans of $12 million and $15 million at December 31, 2024, and December 31, 2023, respectively, of which all have exited the interest-only period.

(c)Totals include net unearned income, unamortized premiums and discounts, and deferred fees and costs of $2.3 billion at both December 31, 2024, and December 31, 2023.

(d)Totals do not include accrued interest receivable, which was $839 million and $853 million at December 31, 2024, and December 31, 2023, respectively. Accrued interest receivable is included in other assets on our Consolidated Balance Sheet. Billed interest on our credit card loans is included within finance receivables and loans, net.

Schedule of Allowance for Credit Losses on Financing Receivables

The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans for the years ended December 31, 2024, and 2023, respectively.

($ in millions)	Consumer automotive		Consumer mortgage		Consumer other		Commercial		Total
Allowance at January 1, 2024	$	3,083	$	21	$	293	$	190	$	3,587
Charge-offs (a)	(2,681)		(2)		(262)		(3)		(2,948)
Recoveries	871		5		30		8		914
Net charge-offs	(1,810)		3		(232)		5		(2,034)
Write-downs from transfers to held-for-sale (b)	(5)		—		—		—		(5)
Provision for credit losses	1,902		(7)		259		12		2,166
Other	—		2		(1)		(1)		—
Allowance at December 31, 2024	$	3,170	$	19	$	319	$	206	$	3,714

(a)Refer to Note 1 for information regarding our charge-off policies.

(b)Consumer automotive includes a $5 million reduction of allowance from the completion of a retail securitization transaction during the year ended December 31, 2024, resulting in the deconsolidation of the assets and liabilities from our Consolidated Balance Sheet.

($ in millions)	Consumer automotive		Consumer mortgage		Consumer other (a)		Commercial		Total
Allowance at January 1, 2023	$	3,020	$	27	$	426	$	238	$	3,711
Charge-offs (b)	(2,284)		(3)		(303)		(130)		(2,720)
Recoveries	793		9		25		6		833
Net charge-offs	(1,491)		6		(278)		(124)		(1,887)
Write-downs from transfers to held-for-sale (c) (d)	(41)		—		(174)		—		(215)
Provision for credit losses (e)	1,595		(11)		319		76		1,979
Other	—		(1)		—		—		(1)
Allowance at December 31, 2023	$	3,083	$	21	$	293	$	190	$	3,587

(a)Excludes $3 million of finance receivables and loans at January 1, 2023, for which we have elected the fair value option and incorporate no allowance for loan losses.

(b)Refer to Note 1 for information regarding our charge-off policies.

(c)Consumer automotive includes a $41 million reduction of allowance from the sales of retained interests related to securitizations during 2023, resulting in the deconsolidation of the assets and liabilities from our Consolidated Balance Sheet.

(d)Consumer other includes a $174 million reduction of allowance from transfers to held-for-sale related to Personal Lending. Refer to Note 2 for further information.

(e)Excludes $11 million of benefit for credit losses related to our reserve for unfunded commitments. The remaining liability related to the reserve for unfunded commitments is included in accrued expenses and other liabilities on our Consolidated Balance Sheet, excluding $5 million related to Personal Lending, which was transferred to liabilities of operations held-for-sale as of December 31, 2023. Refer to Note 2 for further information.

Schedule of Sales of Financing Receivables and Loans

The following table presents sales of finance receivables and loans and transfers of finance receivables and loans from held-for-investment to held-for-sale based on net carrying value.

Year ended December 31, ($ in millions)	2024		2023
Consumer automotive	$	1,108	$	1,667
Consumer mortgage	325		—
Consumer other (a)	—		1,940
Commercial	298		132
Total sales and transfers	$	1,731	$	3,739

(a)Consists of personal lending finance receivables and loans. These were transferred to loans held-for-sale, and were included in assets of operations held-for-sale on our Consolidated Balance Sheet at December 31, 2023. We closed the sale of Ally Lending on March 1, 2024. Refer to Note 2 for additional information.

Schedule of Purchases of Financing Receivables and Loans

The following table presents purchases of finance receivables and loans based on unpaid principal balance at the time of purchase.

Year ended December 31, ($ in millions)	2024		2023
Consumer automotive	$	3,243	$	3,861
Consumer mortgage	21		21
Commercial	—		10
Total purchases of finance receivables and loans	$	3,264	$	3,892

Schedule of Financing Receivables, Nonaccrual Status

The following tables present the amortized cost of our finance receivables and loans on nonaccrual status. All consumer or commercial finance receivables and loans that were 90 days or more past due were on nonaccrual status as of December 31, 2024, and December 31, 2023. Refer to Note 1 for additional information on our accounting policy for finance receivables and loans on nonaccrual status.

			December 31, 2024
($ in millions)	Nonaccrual status at Jan. 1, 2024		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,129	$	1,231	$	476
Consumer mortgage	54		54		36
Consumer other
Credit Card	92		90		—
Total consumer other	92		90		—
Total consumer	1,275		1,375		512
Commercial
Commercial and industrial
Automotive	18		15		—
Other	98		94		4
Commercial real estate	3		2		2
Total commercial	119		111		6
Total finance receivables and loans (b)	$	1,394	$	1,486	$	518

(a)Represents a component of nonaccrual status at end of period.

(b)We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $17 million for the year ended December 31, 2024.

			December 31, 2023
($ in millions)	Nonaccrual status at Jan. 1, 2023		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,187	$	1,129	$	531
Consumer mortgage	49		54		33
Consumer other
Personal Lending (b)	13		—		—
Credit Card	43		92		—
Total consumer other	56		92		—
Total consumer	1,292		1,275		564
Commercial
Commercial and industrial
Automotive	5		18		13
Other	157		98		5
Commercial real estate	—		3		3
Total commercial	162		119		21
Total finance receivables and loans (c)	$	1,454	$	1,394	$	585

(a)Represents a component of nonaccrual status at end of period.

(b)Personal Lending finance receivables and loans were transferred to loans held-for-sale, and were included in assets of operations held-for-sale on our Consolidated Balance Sheet at December 31, 2023. We closed the sale of Ally Lending on March 1, 2024. Refer to Note 2 for additional information.

(c)We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $16 million for the year ended December 31, 2023.

Schedule of Financing Receivable Credit Quality Indicators

The following tables present the amortized cost basis of our consumer finance receivables and loans by credit quality indicator based on delinquency status and origination year.

	Origination year														Revolving loans converted to term
December 31, 2024 ($ in millions)	2024		2023		2022		2021		2020		2019 and prior		Revolving loans				Total
Consumer automotive
Current	$	30,322	$	20,387	$	15,234	$	8,368	$	3,064	$	1,849	$	—	$	—	$	79,224
30–59 days past due	419		756		841		546		174		141		—		—		2,877
60–89 days past due	131		338		390		240		75		56		—		—		1,230
90 or more days past due	47		123		142		93		31		31		—		—		467
Total consumer automotive (a)	30,919		21,604		16,607		9,247		3,344		2,077		—		—		83,798
Consumer mortgage
Current	13		31		1,901		9,834		1,714		3,503		115		15		17,126
30–59 days past due	—		—		7		9		5		27		—		—		48
60–89 days past due	—		—		4		4		1		4		—		—		13
90 or more days past due	—		2		2		9		1		30		1		2		47
Total consumer mortgage	13		33		1,914		9,856		1,721		3,564		116		17		17,234
Consumer other
Credit Card
Current	—		—		—		—		—		—		2,140		—		2,140
30–59 days past due	—		—		—		—		—		—		35		—		35
60–89 days past due	—		—		—		—		—		—		33		—		33
90 or more days past due	—		—		—		—		—		—		86		—		86
Total Credit Card	—		—		—		—		—		—		2,294		—		2,294
Total consumer other	—		—		—		—		—		—		2,294		—		2,294
Total consumer	$	30,932	$	21,637	$	18,521	$	19,103	$	5,065	$	5,641	$	2,410	$	17	$	103,326

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost excludes a liability of $41 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at December 31, 2024. These basis adjustments would be allocated to the amortized cost of specific loans within the pool if the hedge was dedesignated. Refer to Note 21 for additional information.

	Origination year														Revolving loans converted to term
December 31, 2023 ($ in millions)	2023		2022		2021		2020		2019		2018 and prior		Revolving loans				Total
Consumer automotive
Current	$	30,677	$	23,699	$	14,209	$	6,132	$	3,306	$	1,876	$	—	$	—	$	79,899
30–59 days past due	539		1,041		739		270		181		122		—		—		2,892
60–89 days past due	170		443		303		109		68		45		—		—		1,138
90 or more days past due	64		167		122		44		32		28		—		—		457
Total consumer automotive (a)	31,450		25,350		15,373		6,555		3,587		2,071		—		—		84,386
Consumer mortgage
Current	152		2,170		10,374		1,836		747		3,124		142		17		18,562
30–59 days past due	1		8		14		3		3		23		—		1		53
60–89 days past due	—		2		4		3		—		6		1		—		16
90 or more days past due	—		1		4		1		2		25		2		1		36
Total consumer mortgage	153		2,181		10,396		1,843		752		3,178		145		19		18,667
Consumer other
Credit Card
Current	—		—		—		—		—		—		1,828		—		1,828
30–59 days past due	—		—		—		—		—		—		39		—		39
60–89 days past due	—		—		—		—		—		—		34		—		34
90 or more days past due	—		—		—		—		—		—		89		—		89
Total Credit Card	—		—		—		—		—		—		1,990		—		1,990
Total consumer other (b)	—		—		—		—		—		—		1,990		—		1,990
Total consumer	$	31,603	$	27,531	$	25,769	$	8,398	$	4,339	$	5,249	$	2,135	$	19	$	105,043

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost excludes a liability of $66 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at December 31, 2023. These basis adjustments would be allocated to the amortized cost of specific loans within the pool if the hedge was dedesignated. Refer to Note 21 for additional information.

(b)Excludes Personal Lending finance receivables and loans, which were transferred to loans held-for-sale, and were included in assets of operations held-for-sale on our Consolidated Balance Sheet at December 31, 2023. We closed the sale of Ally Lending on March 1, 2024. Refer to Note 2 for additional information.

The following tables present the amortized cost basis of our commercial finance receivables and loans by credit quality indicator based on risk rating and origination year.

	Origination year														Revolving loans converted to term
December 31, 2024 ($ in millions)	2024		2023		2022		2021		2020		2019 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	522	$	336	$	337	$	125	$	64	$	52	$	15,005	$	—	$	16,441
Special mention	3		38		15		25		3		1		1,694		—		1,779
Substandard	—		—		—		—		—		—		33		—		33
Doubtful	—		—		—		—		—		—		6		—		6
Total automotive	525		374		352		150		67		53		16,738		—		18,259
Other
Pass	707		296		261		199		18		205		5,047		84		6,817
Special mention	—		—		394		280		186		76		226		32		1,194
Substandard	—		27		—		23		46		54		12		4		166
Doubtful	—		—		—		—		—		26		9		—		35
Total other	707		323		655		502		250		361		5,294		120		8,212
Commercial real estate
Pass	959		904		1,228		1,030		757		1,137		—		36		6,051
Special mention	6		51		69		57		35		3		—		—		221
Doubtful	—		—		1		—		—		1		—		—		2
Total commercial real estate	965		955		1,298		1,087		792		1,141		—		36		6,274
Total commercial	$	2,197	$	1,652	$	2,305	$	1,739	$	1,109	$	1,555	$	22,032	$	156	$	32,745

	Origination year														Revolving loans converted to term
December 31, 2023 ($ in millions)	2023		2022		2021		2020		2019		2018 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	509	$	512	$	165	$	97	$	58	$	22	$	16,446	$	—	$	17,809
Special mention	6		7		30		1		1		14		723		—		782
Substandard	—		1		—		—		—		—		44		—		45
Doubtful	—		—		—		—		—		1		63		—		64
Total automotive	515		520		195		98		59		37		17,276		—		18,700
Other
Pass	331		646		343		405		266		180		6,202		173		8,546
Special mention	—		208		188		206		51		85		198		25		961
Substandard	—		—		46		3		—		83		25		11		168
Doubtful	—		—		—		—		—		26		10		—		36
Loss	—		—		—		—		1		—		—		—		1
Total other	331		854		577		614		318		374		6,435		209		9,712
Commercial real estate
Pass	971		1,452		1,129		884		607		811		100		26		5,980
Special mention	3		16		28		1		18		—		—		—		66
Substandard	—		3		—		—		—		1		—		—		4
Total commercial real estate	974		1,471		1,157		885		625		812		100		26		6,050
Total commercial	$	1,820	$	2,845	$	1,929	$	1,597	$	1,002	$	1,223	$	23,811	$	235	$	34,462

The following tables present gross charge-offs of our finance receivables and loans for each portfolio class by origination year during the years ended December 31, 2024, and 2023, respectively. Refer to Note 1 for additional information on our charge-off policy.

	Origination year														Revolving loans converted to term
December 31, 2024 ($ in millions)	2024		2023		2022		2021		2020		2019 and prior		Revolving loans				Total
Consumer automotive (a)	$	160	$	779	$	943	$	510	$	137	$	152	$	—	$	—	$	2,681
Consumer mortgage	—		—		—		1		—		1		—		—		2
Consumer other
Credit Card	—		—		—		—		—		—		246		16		262
Total consumer other	—		—		—		—		—		—		246		16		262
Total consumer	160		779		943		511		137		153		246		16		2,945
Commercial
Commercial and industrial
Automotive	—		—		—		—		—		1		2		—		3
Total commercial	—		—		—		—		—		1		2		—		3
Total finance receivables and loans	$	160	$	779	$	943	$	511	$	137	$	154	$	248	$	16	$	2,948

(a)Excludes $5 million of write-downs from transfers to held-for-sale from the completion of a retail securitization transaction during the year ended December 31, 2024, resulting in the deconsolidation of the assets and liabilities from our Consolidated Balance Sheet.

	Origination year														Revolving loans converted to term
December 31, 2023 ($ in millions)	2023		2022		2021		2020		2019		2018 and prior		Revolving loans				Total
Consumer automotive (a)	$	225	$	952	$	651	$	194	$	142	$	120	$	—	$	—	$	2,284
Consumer mortgage	—		—		—		—		—		3		—		—		3
Consumer other
Personal Lending (b)	14		82		29		3		—		—		—		—		128
Credit Card	—		—		—		—		—		—		165		10		175
Total consumer other	14		82		29		3		—		—		165		10		303
Total consumer	239		1,034		680		197		142		123		165		10		2,590
Commercial
Commercial and industrial
Automotive	—		—		—		—		—		5		19		—		24
Other	—		—		—		—		79		23		4		—		106
Total commercial	—		—		—		—		79		28		23		—		130
Total finance receivables and loans	$	239	$	1,034	$	680	$	197	$	221	$	151	$	188	$	10	$	2,720

(a)Excludes $41 million of write-downs from transfers to held-for-sale from the sales of retained interests related to securitizations during 2023, resulting in the deconsolidation of the assets and liabilities from our Consolidated Balance Sheet.

(b)Excludes $174 million of write-downs from the transfer to held-for-sale related to Personal Lending. Refer to Note 2 for additional information.

Schedule of Past Due Financing Receivables

The following table presents an analysis of our past-due commercial finance receivables and loans recorded at amortized cost basis.

($ in millions)	30–59 days past due		60–89 days past due		90 days or more past due		Total past due		Current		Total finance receivables and loans
December 31, 2024
Commercial
Commercial and industrial
Automotive	$	5	$	—	$	—	$	5	$	18,254	$	18,259
Other	35		—		—		35		8,177		8,212
Commercial real estate	1		—		1		2		6,272		6,274
Total commercial	$	41	$	—	$	1	$	42	$	32,703	$	32,745
December 31, 2023
Commercial
Commercial and industrial
Automotive	$	—	$	—	$	—	$	—	$	18,700	$	18,700
Other	2		—		3		5		9,707		9,712
Commercial real estate	—		—		—		—		6,050		6,050
Total commercial	$	2	$	—	$	3	$	5	$	34,457	$	34,462

Schedule of Loan Modifications and Troubled Debt Restructuring

The following tables present the amortized cost basis of loans that were modified subsequent to origination during the years ended December 31, 2024, and 2023, respectively, for each portfolio segment, by modification type. For additional information on loan modification types in scope of this disclosure, refer to Note 1. The below tables exclude consumer mortgage finance receivables and loans currently enrolled in a trial modification program. Trial modifications generally represent a three-month period during which the borrower makes monthly payments under the anticipated modified payment terms. If the borrower successfully completes the trial loan modification program, the contractual terms of the loan are updated and the modification is considered permanent. As of December 31, 2024, and 2023, there were $4 million and $5 million of consumer mortgage finance receivables and loans in a trial modification program, respectively.

	Payment extensions
Year ended December 31, 2024 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total (a)
Consumer automotive	$	—	$	418	$	5	$	—	$	2	$	425
Consumer mortgage	—		2		—		—		1		3
Consumer other
Credit Card	—		—		—		16		—		16
Total consumer other	—		—		—		16		—		16
Total consumer	—		420		5		16		3		444
Commercial
Commercial and industrial
Automotive	2		—		—		7		—		9
Other	—		168		—		—		14		182
Commercial real estate	—		—		—		—		1		1
Total commercial	2		168		—		7		15		192
Total finance receivables and loans	$	2	$	588	$	5	$	23	$	18	$	636

(a)Represents 0.5% of total finance receivables and loans outstanding as of December 31, 2024.

	Payment extensions
Year ended December 31, 2023 ($ in millions)	Payment deferrals (a)		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total (b)
Consumer automotive	$	—	$	234	$	13	$	—	$	28	$	275
Consumer mortgage	—		4		—		—		4		8
Consumer other
Credit Card	—		—		—		13		—		13
Total consumer other	—		—		—		13		—		13
Total consumer	—		238		13		13		32		296
Commercial
Commercial and industrial
Other	36		46		—		—		—		82
Total commercial	36		46		—		—		—		82
Total finance receivables and loans	$	36	$	284	$	13	$	13	$	32	$	378

(a)Includes a commercial and industrial loan within our Corporate Finance operations that was also granted a three-month contractual maturity extension during the year ended December 31, 2023.

(b)Represents 0.3% of total finance receivables and loans outstanding as of December 31, 2023.

Total commitments to lend additional funds to borrowers whose loans were modified during the years ended December 31, 2024, and 2023, were $39 million and $6 million as of December 31, 2024, and 2023, respectively.

The following tables present the financial effect of loan modifications that occurred during the years ended December 31, 2024, and 2023, respectively.

	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Year ended December 31, 2024 ($ in millions)	Number of months extended/deferred	Amount forgiven		Initial rate		Revised rate		Remaining term	Revised remaining term	Initial rate		Revised rate
Consumer automotive	30	$	2	—	%	—	%	72	85	14.3	%	12.0	%
Consumer mortgage	176	—		—		—		305	449	4.1		3.1
Consumer other
Credit Card	—	2		29.6		7.3		—	—	—		—
Total consumer other	—	$	2	29.6		7.3		—	—	—		—
Commercial
Commercial and industrial
Automotive	6	$	—	5.0	%	3.0	%	—	—	—	%	—	%
Other	37	—		—		—		4	60	5.5		4.3
Commercial real estate	—	—		—		—		84	93	11.0		6.0
Total commercial	36	$	—	5.0		3.0		7	61	5.7		4.3

(a)Calculated using a weighted-average balance for each portfolio class.

(b)Term is presented in number of months.

(c)Some consumer mortgage combination loan modifications include deferrals of principal. The weighted average number of months deferred for these loans was 325 months.

	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Year ended December 31, 2023 ($ in millions)	Number of months extended/deferred	Amount forgiven		Initial rate		Revised rate		Remaining term	Revised remaining term	Initial rate		Revised rate
Consumer automotive	29	$	3	—	%	—	%	74	86	10.3	%	9.5	%
Consumer mortgage	132	—		—		—		286	442	4.4		3.1
Consumer other
Credit Card	—	—		30.0		8.0		—	—	—		—
Total consumer other	—	$	—	30.0		8.0		—	—	—		—
Commercial
Commercial and industrial
Other (d)	15	$	—	—	%	—	%	—	—	—	%	—	%
Total commercial	15	$	—	—		—		—	—	—		—

(a)Calculated using a weighted-average balance for each portfolio class.

(b)Term is presented in number of months.

(c)Some consumer mortgage combination loan modifications include deferrals of principal. The weighted average number of months deferred for these loans was 207 months.

(d)Includes a commercial and industrial loan within our Corporate Finance operations that was also granted a three-month contractual maturity extension during the year ended December 31, 2023.

The following tables present the subsequent performance of loans recorded at amortized cost, by portfolio segment and credit quality indicator, that were modified within the 12 months prior to December 31, 2024, and 2023, respectively.

December 31, 2024 ($ in millions)	Current		30–59 days past due		60–89 days past due		90 or more days past due		Total
Consumer automotive
Contractual maturity extensions	$	318	$	68	$	25	$	7	$	418
Principal forgiveness	—		—		—		5		5
Combination	2		—		—		—		2
Total consumer automotive	320		68		25		12		425
Consumer mortgage
Contractual maturity extensions	1		—		1		—		2
Combination	1		—		—		—		1
Total consumer mortgage	2		—		1		—		3
Consumer other
Credit Card
Interest rate concessions	10		2		1		3		16
Total consumer other	10		2		1		3		16
Total consumer	$	332	$	70	$	27	$	15	$	444

December 31, 2024 ($ in millions)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial
Automotive
Payment deferrals	$	—	$	—	$	2	$	—	$	2
Interest rate concessions	—		—		—		7		7
Other
Contractual maturity extensions	113		—		55		—		168
Combination	—		—		14		—		14
Commercial real estate
Combination	—		—		—		1		1
Total commercial	$	113	$	—	$	71	$	8	$	192

December 31, 2023 ($ in millions)	Current		30–59 days past due		60–89 days past due		90 or more days past due		Total
Consumer automotive
Contractual maturity extensions	$	202	$	24	$	7	$	1	$	234
Principal forgiveness	7		1		—		5		13
Combination	25		2		—		1		28
Total consumer automotive	234		27		7		7		275
Consumer mortgage
Contractual maturity extensions	4		—		—		—		4
Combination	2		—		—		2		4
Total consumer mortgage	6		—		—		2		8
Consumer other
Credit Card
Interest rate concessions	7		2		1		3		13
Total consumer other	7		2		1		3		13
Total consumer	$	247	$	29	$	8	$	12	$	296

December 31, 2023 ($ in millions)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial
Other
Payment deferrals (a)	$	—	$	—	$	—	$	36	$	36
Contractual maturity extensions	34		7		5		—		46
Total commercial	$	34	$	7	$	5	$	36	$	82

(a)Includes a commercial and industrial loan within our Corporate Finance operations that was also granted a three-month contractual maturity extension during the year ended December 31, 2023.

The following table presents information related to finance receivables and loans recorded at amortized cost modified in connection with a TDR during the period.

Year ended December 31, 2022 ($ in millions)	Number of loans	Pre-modification amortized cost basis		Post-modification amortized cost basis
Consumer automotive	49,773	$	831	$	805
Consumer mortgage	31	13		13
Consumer other
Credit Card	2,853	5		5
Total consumer other	2,853	5		5
Total consumer	52,657	849		823
Commercial
Commercial and industrial
Other	5	461		466
Total commercial	5	461		466
Total finance receivables and loans	52,662	$	1,310	$	1,289

Schedule of Finance Receivables and Loans Redefaulted During the Period

The following table presents information about finance receivables and loans recorded at amortized cost that have redefaulted during the reporting period and were within 12 months or less of being modified as a TDR. Redefault is when finance receivables and loans meet the requirements for evaluation under our charge-off policy except for commercial finance receivables and loans, where redefault is defined as 90 days past due.

Year ended December 31, 2022 ($ in millions)	Number of loans	Amortized cost		Charge-off  amount
Consumer automotive	9,227	$	143	$	64
Consumer mortgage	4	2		—
Consumer Other
Credit Card	457	—		—
Total consumer other	457	—		—
Total consumer	9,688	145		64
Commercial
Commercial and industrial
Other	1	1		31
Total commercial	1	1		31
Total finance receivables and loans	9,689	$	146	$	95

Schedule of Consumer Concentration Risk

The following table shows the percentage of consumer automotive, consumer mortgage, and consumer other finance receivables and loans by state concentration based on amortized cost.

	2024 (a)						2023
December 31,	Consumer automotive		Consumer mortgage		Consumer other		Consumer automotive		Consumer mortgage		Consumer other (b)
California	8.5	%	39.9	%	9.3	%	8.5	%	39.2	%	9.4	%
Texas	13.5		7.2		7.8		13.7		7.3		7.6
Florida	9.3		6.2		9.1		9.5		6.5		9.0
North Carolina	4.6		1.9		3.0		4.3		1.9		2.9
Pennsylvania	4.5		2.1		4.1		4.5		2.1		4.2
Georgia	4.0		2.9		3.7		4.1		2.9		3.7
New York	3.8		1.9		5.4		3.7		1.9		5.4
New Jersey	3.3		2.5		3.5		3.2		2.4		3.7
Illinois	3.2		2.8		4.6		3.3		2.8		4.6
Ohio	3.3		0.4		4.5		3.4		0.4		4.5
Other United States	42.0		32.2		45.0		41.8		32.6		45.0
Total consumer loans	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%

(a)Presentation is in descending order as a percentage of total consumer finance receivables and loans at December 31, 2024.

(b)Excludes Personal Lending finance receivables and loans, which were transferred to loans held-for-sale, and were included in assets of operations held-for-sale on our Consolidated Balance Sheet at December 31, 2023. We closed the sale of Ally Lending on March 1, 2024. Refer to Note 2 for additional information.

Schedule of Commercial Concentration Risk

The following table presents the percentage of total commercial real estate finance receivables and loans by state concentration based on amortized cost.

December 31,	2024		2023
Florida	16.0	%	17.6	%
Texas	14.1		13.6
California	6.6		7.9
Ohio	5.6		5.9
New York	5.4		4.5
North Carolina	4.8		5.0
Michigan	4.1		5.4
Georgia	3.3		3.0
Missouri	2.9		2.8
Illinois	2.6		2.6
Other United States	34.6		31.7
Total commercial real estate finance receivables and loans	100.0	%	100.0	%

Schedule of Commercial Criticized Risk Exposure

The following table presents the percentage of total commercial criticized finance receivables and loans by industry concentration based on amortized cost.

December 31,	2024		2023
Industry
Automotive	64.4	%	54.0	%
Electronics	12.8		13.4
Services	9.0		12.8
Other	13.8		19.8
Total commercial criticized finance receivables and loans	100.0	%	100.0	%