
($ in millions)	June 30, 2025		December 31, 2024

Consumer automotive (a)	$	84,365	$	83,757



Consumer mortgage (b)	16,588		17,234



Consumer other (c)	—		2,294
Total consumer	100,953		103,285
Commercial
Commercial and industrial
Automotive	16,443		18,259
Other	9,088		8,212
Commercial real estate	6,745		6,274
Total commercial	32,276		32,745
Total finance receivables and loans (d) (e)	$	133,229	$	136,030

(c)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. Billed interest on our credit card loans was included within finance receivables and loans, net as of December 31, 2024.

(e)Totals do not include accrued interest receivable, which was $756 million and $839 million at June 30, 2025, and December 31, 2024, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.


Three months ended June 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at April 1, 2025	$	3,144	$	18	$	236	$	3,398
Charge-offs (a)	(599)		(2)		(1)		(602)
Recoveries	233		2		1		236
Net charge-offs	(366)		—		—		(366)

Provision for credit losses	389		(1)		(4)		384
Other	(1)		—		1		—
Allowance at June 30, 2025	$	3,166	$	17	$	233	$	3,416


Six months ended June 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Consumer other (a)		Commercial		Total
Allowance at January 1, 2025	$	3,170	$	19	$	319	$	206	$	3,714
Charge-offs (b)	(1,275)		(2)		(68)		(2)		(1,347)
Recoveries	464		3		5		2		474
Net charge-offs	(811)		1		(63)		—		(873)

Provision for credit losses	807		(1)		(257)		26		575
Other	—		(2)		1		1		—
Allowance at June 30, 2025	$	3,166	$	17	$	—	$	233	$	3,416


Three months ended June 30, 2024 ($ in millions)	Consumer automotive		Consumer mortgage		Consumer other (a)		Commercial		Total
Allowance at April 1, 2024	$	3,050	$	21	$	291	$	188	$	3,550
Charge-offs (b)	(605)		—		(70)		(1)		(676)
Recoveries	227		1		8		5		241
Net charge-offs	(378)		1		(62)		4		(435)

Provision for credit losses	383		(3)		73		4		457

Allowance at June 30, 2024	$	3,055	$	19	$	302	$	196	$	3,572


Six months ended June 30, 2024 ($ in millions)	Consumer automotive		Consumer mortgage		Consumer other (a)		Commercial		Total


Allowance at January 1, 2024	$	3,083	$	21	$	293	$	190	$	3,587
Charge-offs (b)	(1,293)		(1)		(138)		(2)		(1,434)
Recoveries	438		2		14		6		460
Net charge-offs	(855)		1		(124)		4		(974)
Write-downs from transfers to held-for-sale (c)	(5)		—		—		—		(5)
Provision for credit losses	832		(3)		133		2		964

Allowance at June 30, 2024	$	3,055	$	19	$	302	$	196	$	3,572

(c)Consumer automotive includes a $5 million reduction of allowance from the completion of a retail securitization transaction during the six months ended June 30, 2024, resulting in the deconsolidation of the assets and liabilities from our Condensed Consolidated Balance Sheet.


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Consumer automotive	$	—	$	—	$	—	$	1,108
Consumer mortgage	50		117		50		117
Consumer other (a)	—		—		2,248		—
Commercial	20		120		93		165
Total sales and transfers	$	70	$	237	$	2,391	$	1,390


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2025		2024		2025		2024
Consumer automotive	$	1,235	$	594	$	1,984	$	1,575
Consumer mortgage	—		4		8		8


Total purchases of finance receivables and loans	$	1,235	$	598	$	1,992	$	1,583

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 June 30, 2025, and December 31, 2024. We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $3 million and $7 million for the three months and six months ended June 30, 2025, respectively, and $5 million and $10 million for the three months and six months ended June 30, 2024. Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for additional information on our accounting policy for finance receivables and loans on nonaccrual status.


					June 30, 2025
($ in millions)	Nonaccrual status at Jan. 1, 2025		Nonaccrual status at Apr. 1, 2025		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,231	$	1,167	$	1,134	$	434



Consumer mortgage	54		56		69		42



Consumer other (b)	90		—		—		—
Total consumer	1,375		1,223		1,203		476
Commercial
Commercial and industrial
Automotive	15		79		38		23
Other	94		94		98		4
Commercial real estate	2		21		20		16
Total commercial	111		194		156		43
Total finance receivables and loans	$	1,486	$	1,417	$	1,359	$	519


					December 31, 2024
($ in millions)	Nonaccrual status at Jan. 1, 2024		Nonaccrual status at Apr. 1, 2024		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,129	$	1,010	$	1,231	$	476



Consumer mortgage	54		45		54		36



Consumer other (b)	92		94		90		—
Total consumer	1,275		1,149		1,375		512
Commercial
Commercial and industrial
Automotive	18		5		15		—
Other	98		97		94		4
Commercial real estate	3		1		2		2
Total commercial	119		103		111		6
Total finance receivables and loans	$	1,394	$	1,252	$	1,486	$	518

We evaluate the credit quality of our consumer loan portfolio based on the aging status of the loan and by payment activity. Loan delinquency reporting is generally based upon borrower payment activity, relative to the contractual terms of the loan.


	Origination year														Revolving loans converted to term
June 30, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Consumer automotive
Current	$	17,883	$	24,943	$	16,358	$	11,895	$	6,171	$	3,010	$	—	$	—	$	80,260
30–59 days past due	112		541		664		671		415		198		—		—		2,601
60–89 days past due	27		199		307		318		171		82		—		—		1,104
90 or more days past due	6		76		106		108		70		42		—		—		408
Total consumer automotive (a)	18,028		25,759		17,435		12,992		6,827		3,332		—		—		84,373
Consumer mortgage












Current	—		20		31		1,827		9,535		4,948		103		14		16,478
30–59 days past due	—		—		—		8		11		24		—		—		43
60–89 days past due	—		—		—		3		2		5		1		—		11
90 or more days past due	—		—		—		6		17		31		1		1		56
Total consumer mortgage	—		20		31		1,844		9,565		5,008		105		15		16,588














Total consumer	$	18,028	$	25,779	$	17,466	$	14,836	$	16,392	$	8,340	$	105	$	15	$	100,961

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost excludes a liability of $8 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at June 30, 2025. These basis adjustments would be allocated to the amortized cost of specific loans within the pool if the hedge was dedesignated. Refer to Note 19 for additional information.


	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







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 consumer other (b)	—		—		—		—		—		—		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 19 for additional information.

We evaluate the credit quality of our commercial loan portfolio using regulatory risk ratings, which are based on relevant information about the borrower’s financial condition, including current financial information, historical payment experience, credit documentation, and current economic trends, among other factors. We use the following definitions for risk ratings below Pass.

•Special mention — Loans that have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.

•Substandard — Loans that are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. These loans have a well-defined weakness or weakness that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

•Doubtful — Loans that have all the weaknesses inherent in those classified as substandard, with the additional characteristic that the weaknesses make collection or liquidation in full, based on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

•Loss — Loans that are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future.

The regulatory risk classification utilized is influenced by internal credit risk ratings, which are based on a variety of factors. A borrower’s internal credit risk rating is updated at least annually, and more frequently when a borrower’s credit profile changes, including when we become aware of potential credit deterioration. 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
June 30, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	170	$	433	$	287	$	298	$	111	$	94	$	13,437	$	—	$	14,830
Special mention	1		4		29		13		20		4		1,441		—		1,512
Substandard	—		—		2		2		3		—		92		—		99
Doubtful	—		—		—		—		—		—		2		—		2

Total automotive	171		437		318		313		134		98		14,972		—		16,443
Other
Pass	280		700		208		172		241		397		5,665		335		7,998
Special mention	—		—		—		388		192		67		203		20		870
Substandard	—		—		—		—		20		119		41		—		180
Doubtful	—		—		—		—		—		26		14		—		40

Total other	280		700		208		560		453		609		5,923		355		9,088
Commercial real estate
Pass	725		1,031		823		1,146		989		1,642		—		98		6,454
Special mention	—		30		64		93		47		35		—		—		269
Substandard	—		—		8		7		6		—		—		—		21
Doubtful	—		—		—		1		—		—		—		—		1

Total commercial real estate	725		1,061		895		1,247		1,042		1,677		—		98		6,745
Total commercial	$	1,176	$	2,198	$	1,421	$	2,120	$	1,629	$	2,384	$	20,895	$	453	$	32,276


	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



($ 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

June 30, 2025
Commercial
Commercial and industrial
Automotive	$	—	$	—	$	37	$	37	$	16,406	$	16,443
Other	—		—		—		—		9,088		9,088
Commercial real estate	—		—		20		20		6,725		6,745
Total commercial	$	—	$	—	$	57	$	57	$	32,219	$	32,276
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

The following tables present gross charge-offs of our finance receivables and loans for each portfolio class by origination year during the six months ended June 30, 2025, and during the year ended December 31, 2024, respectively. Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for additional information on our charge-off policy.


	Origination year														Revolving loans converted to term
June 30, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Consumer automotive	$	13	$	254	$	383	$	361	$	174	$	90	$	—	$	—	$	1,275



Consumer mortgage	—		—		—		1		1		—		—		—		2



Consumer other (a)	—		—		—		—		—		—		64		4		68
Total consumer	13		254		383		362		175		90		64		4		1,345
Commercial
Commercial and industrial
Automotive	—		—		—		—		1		—		1		—		2


Total commercial	—		—		—		—		1		—		1		—		2
Total finance receivables and loans	$	13	$	254	$	383	$	362	$	176	$	90	$	65	$	4	$	1,347


	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 (b)	—		—		—		—		—		—		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 Condensed Consolidated Balance Sheet.

The following tables present the amortized cost basis of loans that were modified subsequent to origination during the three months and six months ended June 30, 2025, and 2024, respectively, for each portfolio segment, by modification type. For additional information on loan modification types in scope of this disclosure, refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K. 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 both June 30, 2025, and December 31, 2024, there were $4 million of consumer mortgage finance receivables and loans in a trial modification program.


	Payment extensions
Three months ended June 30, 2025 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total
Consumer automotive	$	—	$	130	$	2	$	—	$	—	$	132



Consumer mortgage	—		1		—		—		1		2




Total consumer	—		131		2		—		1		134
Commercial
Commercial and industrial
Automotive	3		—		—		64		—		67
Other	—		29		—		—		—		29
Commercial real estate	—		—		—		19		—		19
Total commercial	3		29		—		83		—		115
Total finance receivables and loans	$	3	$	160	$	2	$	83	$	1	$	249


	Payment extensions
Six months ended June 30, 2025 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total (a)
Consumer automotive	$	—	$	228	$	2	$	—	$	1	$	231



Consumer mortgage	—		1		—		—		3		4




Total consumer	—		229		2		—		4		235
Commercial
Commercial and industrial
Automotive	3		—		—		64		—		67
Other	3		57		—		—		—		60
Commercial real estate	—		—		—		19		1		20
Total commercial	6		57		—		83		1		147
Total finance receivables and loans	$	6	$	286	$	2	$	83	$	5	$	382


	Payment extensions
Three months ended June 30, 2024 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total
Consumer automotive	$	—	$	97	$	2	$	—	$	—	$	99



Consumer mortgage	—		1		—		—		—		1



Consumer other (a)	—		—		—		5		—		5
Total consumer	—		98		2		5		—		105
Commercial
Commercial and industrial
Automotive	11		—		—		—		—		11


Total commercial	11		—		—		—		—		11
Total finance receivables and loans	$	11	$	98	$	2	$	5	$	—	$	116


	Payment extensions
Six months ended June 30, 2024 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total (a)
Consumer automotive	$	—	$	190	$	3	$	—	$	—	$	193



Consumer mortgage	—		1		—		—		—		1



Consumer other (b)	—		—		1		9		—		10
Total consumer	—		191		4		9		—		204
Commercial
Commercial and industrial
Automotive	11		—		—		—		—		11
Other	—		108		—		—		—		108

Total commercial	11		108		—		—		—		119
Total finance receivables and loans	$	11	$	299	$	4	$	9	$	—	$	323


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Three months ended June 30, 2025 ($ 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	$	—	—	%	—	%	—	—	—	%	—	%



Consumer mortgage	167	—		—		—		317	420	2.9		2.0




Commercial
Commercial and industrial
Automotive	10	$	—	12.1	%	7.6	%	—	—	—	%	—	%
Other	12	—		—		—		—	—	—		—
Commercial real estate	—	—		10.7		5.7		—	—	—		—
Total commercial	12	$	—	11.8		7.2		—	—	—		—


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Six months ended June 30, 2025 ($ 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	$	1	—	%	—	%	67	90	13.4	%	7.8	%



Consumer mortgage	175	—		—		—		305	447	3.6		2.3




Commercial
Commercial and industrial
Automotive	10	$	—	12.1	%	7.6	%	—	—	—	%	—	%
Other	14	—		—		—		—	—	—		—
Commercial real estate	—	—		10.7		5.7		29	34	5.0		3.0
Total commercial	14	$	—	11.8		7.2		29	34	5.0		3.0


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b)
Three months ended June 30, 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	29	$	1	—	%	—	%	—	—	—	%	—	%



Consumer mortgage	224	—		—		—		—	—	—		—



Consumer other (c)	—	—		30.4		9.8		—	—	—		—
Commercial
Commercial and industrial
Automotive	7	$	—	—	%	—	%	—	—	—	%	—	%


Total commercial	7	$	—	—		—		—	—	—		—


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b)
Six months ended June 30, 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	29	$	1	—	%	—	%	—	—	—	%	—	%



Consumer mortgage	223	—		—		—		—	—	—		—



Consumer other (c)	—	1		30.4		8.0		—	—	—		—
Commercial
Commercial and industrial
Automotive	7	$	—	—	%	—	%	—	—	—	%	—	%
Other	42	—		—		—		—	—	—		—

Total commercial	39	$	—	—		—		—	—	—		—


June 30, 2025 ($ 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	$	360	$	59	$	21	$	7	$	447
Principal forgiveness	—		—		—		5		5

Combination	2		—		—		—		2
Total consumer automotive	362		59		21		12		454
Consumer mortgage















Contractual maturity extensions	—		1		1		—		2


Combination	3		—		—		—		3
Total consumer mortgage	3		1		1		—		5
















Total consumer	$	365	$	60	$	22	$	12	$	459


June 30, 2025 ($ in millions)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial
Automotive
Payment deferrals	$	—	$	—	$	3	$	—	$	3

Interest rate concessions	—		—		64		—		64
Total automotive	—		—		67		—		67

Other
Payment deferrals	—		—		4		—		4
Contractual maturity extensions	25		29		28		—		82
Combination	14		—		—		—		14
Total other	39		29		32		—		100
Commercial real estate


Interest rate concessions	—		—		19		—		19
Combination	—		—		—		1		1
Total commercial real estate	—		—		19		1		20
Total commercial	$	39	$	29	$	118	$	1	$	187


June 30, 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	$	280	$	56	$	19	$	4	$	359
Principal forgiveness	—		—		—		5		5

Combination	1		—		—		—		1
Total consumer automotive	281		56		19		9		365
Consumer mortgage

Contractual maturity extensions	2		—		—		—		2


Combination	1		—		—		—		1
Total consumer mortgage	3		—		—		—		3
Consumer other (a)











Interest rate concessions	9		1		1		3		14


Total consumer other	9		1		1		3		14
Total consumer	$	293	$	57	$	20	$	12	$	382


June 30, 2024 ($ in millions)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial
Automotive
Payment deferrals	$	—	$	—	$	11	$	—	$	11
Total automotive	—		—		11		—		11




Other

Contractual maturity extensions	53		—		55		—		108
Total other	53		—		55		—		108




Total commercial	$	53	$	—	$	66	$	—	$	119

As of June 30, 2025, 2,053 consumer automotive loans with a total amortized cost of $50 million redefaulted within 12 months of modification, whereas 787 consumer automotive loans with a total amortized cost of $18 million redefaulted within 12 months of modification as of June 30, 2024.