Regulatory Capital and Other Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2025

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table summarizes our capital ratios under U.S. Basel III.

	March 31, 2025				December 31, 2024				Required minimum (a)		Well-capitalized minimum
($ in millions)	Amount		Ratio		Amount		Ratio
Capital ratios
Common Equity Tier 1 (to risk-weighted assets)
Ally Financial Inc.	$	14,607	9.50	%	$	15,058	9.82	%	4.50	%	(b)
Ally Bank	17,258		11.97		17,229		11.94		4.50		6.50	%
Tier 1 (to risk-weighted assets)
Ally Financial Inc.	$	16,863	10.97	%	$	17,324	11.30	%	6.00	%	6.00	%
Ally Bank	17,258		11.97		17,229		11.94		6.00		8.00
Total (to risk-weighted assets)
Ally Financial Inc.	$	19,717	12.83	%	$	20,182	13.16	%	8.00	%	10.00	%
Ally Bank	19,080		13.23		19,052		13.21		8.00		10.00
Tier 1 leverage (to adjusted quarterly average assets) (c)
Ally Financial Inc.	$	16,863	8.73	%	$	17,324	8.92	%	4.00	%	(b)
Ally Bank	17,258		9.46		17,229		9.40		4.00		5.00	%

(a)In addition to the minimum risk-based capital requirements for the Common Equity Tier 1 capital, Tier 1 capital, and total capital ratios, Ally was required to maintain a minimum capital conservation buffer of 2.6% at both March 31, 2025, and December 31, 2024, and Ally Bank was required to maintain a minimum capital conservation buffer of 2.5% at both March 31, 2025, and December 31, 2024.

(b)Currently, there is no ratio component for determining whether a BHC is “well-capitalized.”

(c)Federal regulatory reporting guidelines require the calculation of adjusted quarterly average assets using a daily average methodology.

Schedule of Common Share Distribution Activity

The following table presents information related to our common stock and distributions to our common shareholders.

	Common stock repurchased during period (a) (b)			Number of common shares outstanding		Cash dividends declared per common share (c)
($ in millions, except per share data; shares in thousands)	Approximate dollar value		Number of shares	Beginning of period	End of period
2024
First quarter	$	29	781	302,459	303,978	$	0.30
Second quarter	1		13	303,978	304,656	0.30
Third quarter	1		27	304,656	304,715	0.30
Fourth quarter	7		167	304,715	305,388	0.30
2025
First quarter	$	34	877	305,388	307,152	$	0.30

(a)Includes shares of common stock withheld to cover income taxes owed by participants in our share-based incentive plans.

(b)Since the commencement of our initial stock-repurchase program in the third quarter of 2016, we have reduced the number of outstanding shares of our common stock by 37%, from 484 million as of June 30, 2016, to 307 million as of March 31, 2025. Except for repurchases made of shares withheld to cover income taxes owed by participants in our share-based incentive plans, we did not make any common-stock repurchases in 2024 or the first quarter of 2025, and at this time, the Board has not authorized a stock-repurchase program for 2025.

(c)On April 15, 2025, our Board declared a quarterly cash dividend of $0.30 per share on all common stock payable on May 15, 2025, to shareholders of record at the close of business on May 1, 2025.