THIRD QUARTER 2012

FINANCIAL SUPPLEMENT

ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION

The following should be read in conjunction with the financial statements, notes and other information contained in the Company’s 2011 Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K.

This information is preliminary and based on company data available at the time of the presentation

In the presentation that follows and related comments by Ally Financial Inc. (“Ally”) management, the use of the words “expect,” “anticipate,” “estimate,” “forecast,” “initiative,” “objective,” “plan,” “goal,” “project,” “outlook,” “priorities,” “target,” “intend,” “evaluate,” “pursue,” “seek,” “may,” “would, ” “could, ” “should, ” “believe, ” “potential, ” “continue,” , or the negative of these words, or similar expressions is intended to identify forward-looking statements. All statements herein and in related management comments, other than statements of historical fact, including without limitation, statements about future events and financial performance, are forward-looking statements that involve certain risks and uncertainties. While these statements represent Ally’s current judgment on what the future may hold, and Ally believes these judgments are reasonable, these statements are not guarantees of any events or financial results, and Ally’s actual results may differ materially due to numerous important factors that are described in the most recent reports on SEC Forms 10-K and 10-Q for Ally, each of which may be revised or supplemented in subsequent reports filed with the SEC. Such factors include, among others, the following: maintaining the mutually beneficial relationship between Ally and General Motors (“GM”), and Ally and Chrysler Group LLC (“Chrysler”); the profitability and financial condition of GM and Chrysler; bankruptcy court approval of the plan and settlement related to the bankruptcy filings by Residential Capital, LLC and certain of its subsidiaries; our ability to realize the anticipated benefits associated with being a bank holding company, and the increased regulation and restrictions that we are now subject to; the potential for deterioration in the residual value of off-lease vehicles; disruptions in the market in which we fund our operations, with resulting negative impact on our liquidity; changes in our accounting assumptions that may require or that result from changes in the accounting rules or their application, which could result in an impact on earnings; changes in the credit ratings of Ally, Chrysler, or GM; changes in economic conditions, currency exchange rates or political stability in the markets in which we operate; and changes in the existing or the adoption of new laws, regulations, policies or other activities of governments, agencies and similar organizations (including as a result of the Dodd-Frank Act and Basel III).

Investors are cautioned not to place undue reliance on forward-looking statements. Ally undertakes no obligation to update publicly or otherwise revise any forward-looking statements except where expressly required by law. Reconciliation of non-GAAP financial measures included within this presentation are provided in this presentation.

Use of the term “loans” describes products associated with direct and indirect lending activities of Ally’s global operations. The specific products include retail installment sales contracts, loans, lines of credit, leases or other financing products. The term “originate” refers to Ally’s purchase, acquisition or direct origination of various “loan” products.

3Q 2012 Preliminary Results 2

ALLY FINANCIAL INC. TABLE OF CONTENTS

	Page(s)
Consolidated Results
Consolidated Financial Highlights		4
Consolidated Income Statement		5
Consolidated Period-End Balance Sheet		6
Consolidated Average Balance Sheet		7
Segment Detail
Segment Highlights		8
North American Automotive Finance		9-10
International Automotive Finance		11-12
Insurance		13
Mortgage Operations		14
Corporate and Other		15
Credit Related Information		16-18
Supplemental Detail
Capital		19
Liquidity		20
Deposits		21
Ally Bank Consumer Mortgage HFI Portfolio		22
Mortgage Repurchase Outstanding Claims		23
Ownership		24

3Q 2012 Preliminary Results 3

ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Selected Income Statement Data	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Net financing revenue (ex. OID)	$	853		$	878		$	777		$	743		$	832		$	(25	)	$	21
Total other revenue		936			928			1,187			977			554			8			382
Total net revenue (ex. OID)		1,789			1,806			1,964			1,720			1,386			(17	)		403
Provision for loan losses		116			29			140			6			50			87			66
Controllable expenses (1)		719			792			906			965			731			(73	)		(12	)
Other noninterest expenses		395			1,738			444			729			486			(1,343	)		(91	)
Core pre-tax (loss) income (2)	$	559		$	(753	)	$	474		$	20		$	119		$	1,312		$	440
Core OID amortization expense (3)		76			96			108			137			225			(20	)		(149	)
Income tax expense		93			15			64			73			93			78			-
(Loss) income from discontinued operations		(6	)		(34	)		8			(16	)		(11	)		28			5
Net (loss) income	$	384		$	(898	)	$	310		$	(206	)	$	(210	)	$	1,282		$	594
Selected Balance Sheet Data (Period-End)
Total assets	$	182,482		$	178,560		$	186,350		$	184,059		$	181,956		$	3,922		$	526
Consumer loans		80,634			77,959			78,004			74,287			70,815			2,675			9,819
Commercial loans (4)		40,625			41,954			41,814			40,468			37,897			(1,329	)		2,728
Allowance balance		(1,423	)		(1,427	)		(1,546	)		(1,503	)		(1,621	)		4			198
Deposits		49,872			47,992			47,206			45,050			44,326			1,880			5,546
Common equity (5)		11,825			11,423			12,727			12,431			12,792			402			(967	)
Total equity		18,765			18,363			19,667			19,371			19,732			402			(967	)
Select Financial Ratios
Net interest margin (6)		2.1	%		2.2	%		1.9	%		1.8	%		2.1	%
Return on average total equity (annualized)		8.3	%		-18.9	%		6.4	%		-4.2	%		-4.2	%
Return on average assets (annualized)		0.8	%		-1.9	%		0.7	%		-0.4	%		-0.5	%
Capital Ratios
Tier 1 capital ratio		13.6	%		13.7	%		13.5	%		13.7	%		14.3	%
Tier 1 common capital ratio (7)		7.3	%		7.3	%		7.5	%		7.6	%		8.0	%
Total risk-based capital ratio		14.6	%		14.7	%		14.5	%		14.7	%		15.5	%

(1) Includes employee related costs, consulting and legal fees, marketing, information technology, facility, portfolio servicing and restructuring expenses

(2) Core pre-tax income (loss) is a non-GAAP financial measure.  It is defined as income from continuing operations before taxes and primarily bond exchange original issue discount ("OID") amortization expense

(3) Core OID excludes IO and 2010 issuances

(4) Includes notes receivable from General Motors

(5) Includes common stock and paid-in capital, accumulated deficit and accumulated other comprehensive income

(6) Excludes OID amortization expense.  The impact of historical financial statement restatements for discontinued operations are not reflected in prior periods

(7) Tier 1 common capital ratio is a non-GAAP measurement. Refer to page 19 for additional details

3Q 2012 Preliminary Results 4

ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT

($ in millions)

	QUARTERLY TRENDS														CHANGE VS.
	3Q 12			2Q 12			1Q 12		4Q 11			3Q 11			2Q 12			3Q 11
Financing revenue and other interest income
Interest and fees on finance receivables and loans (1)	$	1,651		$	1,691		$	1,678	$	1,659		$	1,680		$	(40	)	$	(29	)
Interest on loans held-for-sale		22			36			73		76			86			(14	)		(64	)
Interest on trading securities		-			2			11		9			4			(2	)		(4	)
Interest and dividends on available-for-sale investment securities		73			86			84		87			102			(13	)		(29	)
Interest-bearing cash		22			18			14		13			14			4			8
Operating leases		639			579			540		515			530			60			109
Total financing revenue and other interest income		2,407			2,412			2,400		2,359			2,416			(5	)		(9	)
Interest expense
Interest on deposits		185			184			186		184			179			1			6
Interest on short-term borrowings		46			60			75		74			61			(14	)		(15	)
Interest on long-term debt		1,041			1,068			1,177		1,179			1,293			(27	)		(252	)
Total interest expense		1,272			1,312			1,438		1,437			1,533			(40	)		(261	)
Depreciation expense on operating lease assets		358			318			293		316			276			40			82
Net financing revenue		777			782			669		606			607			(5	)		170
Other revenue
Servicing fees		91			216			310		325			335			(125	)		(244	)
Servicing asset valuation and hedge activities, net		134			(73	)		9		(126	)		(471	)		207			605
Total servicing income, net		225			143			319		199			(136	)		82			361
Insurance premiums and service revenue earned		364			359			375		385			390			5			(26	)
Gain on mortgage and automotive loans, net		141			134			126		169			95			7			46
Loss on extinguishment of debt		-			-			-		-			-			-			-
Other gain on investments, net		(19	)		66			90		43			75			(85	)		(94	)
Other income, net of losses		225			226			277		181			130			(1	)		95
Total other revenue		936			928			1,187		977			554			8			382
Total net revenue		1,713			1,710			1,856		1,583			1,161			3			552
Provision for loan losses		116			29			140		6			50			87			66
Noninterest expense
Compensation and benefits expense		344			389			475		442			293			(45	)		51
Insurance losses and loss adjustment expenses		151			208			159		146			170			(57	)		(19	)
Other operating expenses		619			1,933			716		1,106			754			(1,314	)		(135	)
Total noninterest expense		1,114			2,530			1,350		1,694			1,217			(1,416	)		(103	)
(Loss) income from continuing operations before income tax expense (benefit)		483			(849	)		366		(117	)		(106	)		1,332			589
Income tax expense from continuing operations		93			15			64		73			93			78			-
Net (loss) income from continuing operations		390			(864	)		302		(190	)		(199	)		1,254			589
(Loss) income from discontinued operations, net of tax		(6	)		(34	)		8		(16	)		(11	)		28			5
Net (loss) income	$	384		$	(898	)	$	310	$	(206	)	$	(210	)	$	1,282		$	594

(1) Includes other interest income, net

3Q 2012 Preliminary Results 5

ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Assets	9/30/2012			6/30/2012			3/31/2012			12/31/2011			9/30/2011			6/30/2012			9/30/2011
Cash and cash equivalents
Noninterest-bearing	$	1,305		$	2,106		$	2,279		$	2,475		$	1,517		$	(801	)	$	(212	)
Interest-bearing		15,852			14,020			10,800			10,560			14,885			1,832			967
Total cash and cash equivalents		17,157			16,126			13,079			13,035			16,402			1,031			755
Trading assets		-			-			895			622			503			-			(503	)
Investment securities		13,770			13,366			14,942			15,135			13,981			404			(211	)
Loans held-for-sale, net		1,937			2,000			6,670			8,557			8,745			(63	)		(6,808	)
Finance receivables and loans, net																	-			-
Finance receivables and loans, net		121,259			119,913			119,818			114,755			108,712			1,346			12,547
Allowance for loan losses		(1,423	)		(1,427	)		(1,546	)		(1,503	)		(1,621	)		4			198
Total finance receivables and loans, net		119,836			118,486			118,272			113,252			107,091			1,350			12,745
Investment in operating leases, net		12,708			11,197			10,048			9,275			9,052			1,511			3,656
Mortgage servicing rights		902			1,105			2,595			2,519			2,663			(203	)		(1,761	)
Premiums receivables and other insurance assets		1,861			1,887			1,876			1,853			2,026			(26	)		(165	)
Other assets		13,936			14,010			16,965			18,741			21,540			(74	)		(7,604	)
Assets of operations held-for-sale		375			383			1,008			1,070			(47	)		(8	)		422
Total assets	$	182,482		$	178,560		$	186,350		$	184,059		$	181,956		$	3,922		$	526
Liabilities
Deposit liabilities
Noninterest-bearing	$	2,487		$	2,411		$	2,314		$	2,029		$	2,704		$	76		$	(217	)
Interest-bearing		47,385			45,581			44,892			43,021			41,622			1,804			5,763
Total deposit liabilities		49,872			47,992			47,206			45,050			44,326			1,880			5,546
Short-term borrowings		5,877			6,010			7,203			7,680			5,933			(133	)		(56	)
Long-term debt		93,028			91,096			93,990			92,794			90,546			1,932			2,482
Interest payable		1,590			1,552			1,675			1,587			1,712			38			(122	)
Unearned insurance premiums and service revenue		2,693			2,631			2,632			2,576			2,757			62			(64	)
Reserves for insurance losses and loss adjustment expenses		441			477			565			580			690			(36	)		(249	)
Accrued expense and other liabilities		9,962			10,198			13,089			14,084			16,260			(236	)		(6,298	)
Liabilities of operations held-for-sale		254			241			323			337			-			13			254
Total liabilities	$	163,717		$	160,197		$	166,683		$	164,688		$	162,224		$	3,520		$	1,493
Equity
Common stock and paid-in capital	$	19,668		$	19,668		$	19,668		$	19,668		$	19,668		$	-		$	(0	)
Mandatorily convertible preferred stock held by U.S. Department of Treasury		5,685			5,685			5,685			5,685			5,685			-			-
Preferred stock		1,255			1,255			1,255			1,255			1,255			-			-
Accumulated deficit		(8,129	)		(8,313	)		(7,215	)		(7,324	)		(6,918	)		183			(1,211	)
Accumulated other comprehensive income		286			68			274			86			42			218			244
Total equity		18,765			18,363			19,667			19,371			19,732			402			(967	)
Total liabilities and equity	$	182,482		$	178,560		$	186,350		$	184,059		$	181,956		$	3,922		$	526

3Q 2012 Preliminary Results 6

ALLY FINANCIAL INC. CONSOLIDATED AVERAGE BALANCE SHEET ⁽¹⁾

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Assets	9/30/2012			6/30/2012			3/31/2012			12/31/2011			9/30/2011			6/30/2012			9/30/2011
Interest-bearing cash and cash equivalents	$	15,648		$	12,589		$	10,641		$	11,187		$	13,373		$	3,059		$	2,275
Trading assets		-			114			990			647			351			(114	)		(351	)
Investment securities		12,395			13,239			13,704			15,487			13,814			(844	)		(1,419	)
Loans held-for-sale, net		2,731			4,310			7,754			10,588			9,654			(1,579	)		(6,923	)
Total finance receivables and loans, net (2)		120,634			121,834			117,482			114,069			112,478			(1,200	)		8,156
Investment in operating leases, net		11,943			10,619			9,649			9,129			9,040			1,324			2,903
Total interest earning assets		163,351			162,705			160,220			161,107			158,710			646			4,641
Noninterest-bearing cash and cash equivalents		1,582			2,695			2,004			1,841			1,321			(1,113	)		261
Other assets		18,923			20,678			23,796			23,350			27,565			(1,755	)		(8,642	)
Allowance for loan losses		(1,428	)		(1,496	)		(1,528	)		(1,609	)		(1,737	)		68			309
Total assets	$	182,428		$	184,582		$	184,492		$	184,689		$	185,859		$	(2,154	)	$	(3,431	)
Liabilities
Interest-bearing deposit liabilities	$	46,378		$	45,329		$	44,796		$	43,823		$	42,131		$	1,049		$	4,247
Short-term borrowings		5,935			6,853			6,905			7,137			7,320			(918	)		(1,385	)
Long-term debt (3)		91,477			94,092			91,558			91,590			92,313			(2,615	)		(836	)
Total interest-bearing liabilities (3)		143,790			146,274			143,259			142,550			141,764			(2,484	)		2,026
Noninterest-bearing deposit liabilities		2,504			2,279			2,141			2,374			2,509			225			(5	)
Other liabilities		17,615			17,071			19,612			20,156			21,529			544			(3,914	)
Total liabilities	$	163,909		$	165,624		$	165,012		$	165,080		$	165,802		$	(1,715	)	$	(1,893	)
Equity
Total equity	$	18,519		$	18,958		$	19,480		$	19,609		$	20,057		$	(439	)	$	(1,538	)
Total liabilities and equity	$	182,428		$	184,582		$	184,492		$	184,689		$	185,859		$	(2,154	)	$	(3,431	)

Note: The impact of financial statement restatements for discontinued operations are not reflected in prior periods

(1) Average balances are calculated using a combination of monthly and daily average methodologies

(2) Nonperforming finance receivables and loans are included in the average balances net of unearned income, unamortized premiums and discounts, and deferred fees and costs

(3) Average balance includes $1,837 million related to OID at September 30, 2012

3Q 2012 Preliminary Results 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
North American Automotive Finance	$	510		$	631		$	442		$	478		$	551		$	(121	)	$	(41	)
International Automotive Finance		69			72			45			21			89			(3	)		(20	)
Insurance		33			43			124			93			111			(10	)		(78	)
Global Automotive Services		612			746			611			592			751			(134	)		(139	)
Mortgage Operations (1)		354			24			191			(258	)		(409	)		330			763
Corporate and Other (ex. OID) (2)		(407	)		(1,523	)		(328	)		(314	)		(223	)		1,116			(184	)
Core pre-tax income (3)		559			(753	)		474			20			119			1,312			440
Core OID amortization expense		76			96			108			137			225			(20	)		(149	)
Income tax expense		93			15			64			73			93			78			-
(Loss) income from discontinued operations		(6	)		(34	)		8			(16	)		(11	)		28			5
Net (loss) income	$	384		$	(898	)	$	310		$	(206	)	$	(210	)	$	1,282		$	594

(1) Mortgage Operations includes ResCap results prior to the May 14, 2012 deconsolidation

(2) Corporate and Other primarily consists of centralized corporate treasury and deposit gathering activities, such as management of the cash and corporate investment securities portfolios, short and long term debt, retail and brokered deposit liabilities, derivative instruments, the amortization of the discount associated with new debt issuances and bond exchanges, most notably from the December 2008 bond exchange, and the residual impacts of our corporate funds transfer pricing (FTP) and treasury asset liability management (ALM) activities.  The segment also includes our Commercial Finance Group, certain equity investments and reclassifications and eliminations between the reportable operating segments. 2Q12 Corporate and Other includes the $1,192 million charge recorded for ResCap actions

(3) Core pre-tax income is a non-GAAP financial measure. It is defined as income from continuing operations before taxes and primarily bond exchange OID amortization expense

3Q 2012 Preliminary Results 8

ALLY FINANCIAL INC. NORTH AMERICAN AUTO - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Net financing revenue
Consumer	$	825		$	810		$	763		$	739		$	718		$	15		$	107
Commercial (1)		317			330			322			324			346			(13	)		(29	)
Loans held-for-sale		4			6			5			5			-			(2	)		4
Operating leases		633			574			536			511			527			59			106
Other interest income		14			17			18			31			29			(3	)		(15	)
Total financing revenue and other interest income		1,793			1,737			1,644			1,610			1,620			56			173
Interest expense		582			585			578			591			590			(3	)		(8	)
Depreciation expense on operating lease assets		355			315			291			315			275			40			80
Net financing revenue		856			837			775			704			755			19			101
Other revenue
Servicing fees		26			30			30			35			39			(4	)		(13	)
Gain on automotive loans, net		2			39			-			-			33			(37	)		(31	)
Other income		47			45			49			49			54			2			(7	)
Total other revenue		75			114			79			84			126			(39	)		(51	)
Total net revenue		931			951			854			788			881			(20	)		50
Provision for loan losses		102			16			78			(33	)		25			86			77
Noninterest expense
Compensation and benefits		112			108			119			115			92			4			20
Other operating expenses		207			196			215			228			213			11			(6	)
Total noninterest expense		319			304			334			343			305			15			14
Income before income tax expense	$	510		$	631		$	442		$	478		$	551		$	(121	)	$	(41	)
Balance Sheet (Period-End)
Loans held-for-sale	$	-		$	623		$	623		$	425		$	464		$	(623	)	$	(464	)
Finance receivables and loans, net:
Consumer loans		60,561			58,310			57,075			54,076			50,507			2,251			10,054
Commercial loans (2)		33,091			34,056			34,446			32,474			30,364			(965	)		2,727
Allowance for loan losses		(741	)		(713	)		(756	)		(736	)		(838	)		(28	)		97
Total finance receivables and loans, net	$	92,911		$	91,653		$	90,765		$	85,814		$	80,033		$	1,258		$	12,878
Investment in operating leases, net		12,592			11,095			9,957			9,198			8,844			1,497			3,748
Other assets		1,406			1,556			1,549			1,534			1,191			(150	)		215
Total assets	$	106,909		$	104,927		$	102,894		$	96,971		$	90,532		$	1,982		$	16,377

(1) Includes interest on notes receivable from General Motors

(2) Includes notes receivable from General Motors and intercompany

3Q 2012 Preliminary Results 9

ALLY FINANCIAL INC. NORTH AMERICAN AUTO - KEY STATISTICS

	QUARTERLY TRENDS															CHANGE VS.
U.S. Market	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
SAAR (units in millions)		14.5			14.0			14.5			13.4			12.6			0.4			1.9
Industry light vehicle sales (units in millions)		3.6			3.8			3.5			3.2			3.2			(0.2	)		0.4
GM market share		18.0	%		18.7	%		17.6	%		18.5	%		20.2	%
Chrysler market share		11.5	%		11.5	%		11.5	%		11.1	%		11.6	%
NAO Total Consumer Originations by Type ($ in billions)
New	$	5.6		$	7.0		$	6.2		$	6.5		$	7.1		$	(1.4	)	$	(1.4	)
Lease		2.6			2.1			1.6			1.3			1.7			0.5			0.9
Used		2.4			2.6			2.7			2.3			2.4			(0.2	)		0.0
Total NAO	$	10.6		$	11.7		$	10.5		$	10.1		$	11.1		$	(1.1	)	$	(0.5	)
NAO Consumer Penetration
GM		30.2	%		32.7	%		31.7	%		33.6	%		32.7	%
Chrysler		23.1	%		26.1	%		25.9	%		25.6	%		32.4	%
U.S. Consumer Penetration
GM		29.0	%		31.6	%		30.7	%		31.8	%		31.6	%
Chrysler		25.4	%		28.4	%		28.0	%		27.2	%		35.2	%
U.S. Consumer Originations (1) ($ in billions)
GM new retail subvented	$	0.9		$	1.9		$	1.7		$	2.0		$	1.5		$	(1.0	)	$	(0.6	)
GM new retail standard		1.6			1.5			1.6			1.7			1.9			0.1			(0.4	)
Chrysler new retail subvented		0.5			0.7			0.5			0.5			0.9			(0.2	)		(0.5	)
Chrysler new retail standard		1.1			1.1			1.1			1.0			1.2			(0.0	)		(0.1	)
Diversified new		0.6			0.6			0.5			0.4			0.4			(0.1	)		0.1
Lease (2)		2.6			2.1			1.6			1.3			1.7			0.5			0.9
Used		2.3			2.6			2.6			2.3			2.3			(0.2	)		0.0
Total U.S. originations	$	9.6		$	10.5		$	9.7		$	9.2		$	10.0		$	(1.0	)	$	(0.5	)
NAO Consumer Originations ($ in billions)
Total U.S. originations	$	9.6		$	10.5		$	9.7		$	9.2		$	10.0		$	(1.0	)	$	(0.5	)
Total Canada originations		1.0			1.1			0.8			1.0			1.1			(0.1	)		(0.1	)
Total NAO originations	$	10.6		$	11.7		$	10.5		$	10.1		$	11.1		$	(1.1	)	$	(0.5	)
U.S. Consumer Originations - Additional Data
Number of contracts originated (# in thousands)		360			398			376			338			379			(38	)		(19	)
GM subvented (% based on # of new GM units originated) (3)		61	%		64	%		59	%		58	%		54	%
Chrysler subvented (% based on # of new Chrysler units originated) (3)		48	%		53	%		48	%		48	%		53	%
Average original term in months		68			68			67			66			66			0			2
U.S. Floorplan (4)
GM penetration		70.3	%		71.2	%		72.2	%		73.9	%		75.1	%
Chrysler penetration		56.5	%		60.5	%		62.0	%		63.3	%		66.0	%
Floorplan outstandings (avg. $ in billions)	$	26.5		$	27.3		$	26.0		$	24.9		$	24.3		$	(0.8	)	$	2.2
NAO Commercial ($ in billions) (4)
Floorplan outstandings	$	29.8		$	31.0		$	29.6		$	28.7		$	28.6		$	(1.2	)	$	1.2
Other dealer loans		3.2			3.2			3.1			2.9			2.8			0.0			0.4
Total commercial outstandings	$	33.0		$	34.1		$	32.7		$	31.5		$	31.3		$	(1.1	)	$	1.7
U.S. Off-Lease Remarketing (5)
Sales proceeds on scheduled lease terminations (36-month) per vehicle - On-balance sheet		NM			NM			NM		$	23,365		$	20,608			NM		$	(20,608	)
Off-lease vehicles terminated - On-balance sheet (# in units)		15,502			12,846			15,180			27,733			55,416			2,656			(39,914	)

(1) Some standard rate loan originations contain manufacturer sponsored cash back rebate incentives. Some lease originations contain rate subvention. While Ally may jointly develop marketing programs for these originations, Ally does not have exclusive rights to such originations under operating agreements with manufacturers

(2) Includes GM and Chrysler lease originations

(3) Represents subvented originations inclusive of leases not subject to exclusivity agreements

(4) Penetration rates and commercial outstandings are based on the trailing four month average end of period asset balances

(5) U.S. off-lease remarketing sales proceeds for 36 month leases are not meaningful (NM) as originations of this lease type were immaterial in 1Q 09, 2Q 09 & 3Q 09

3Q 2012 Preliminary Results 10

ALLY FINANCIAL INC. INTERNATIONAL AUTO - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Net financing revenue
Consumer	$	293		$	298		$	304		$	291		$	301		$	(5	)	$	(8	)
Commercial (1)		77			90			93			96			111			(13	)		(34	)
Operating leases		6			5			4			4			3			1			3
Other interest income (2)		20			15			17			20			23			5			(3	)
Total financing revenue and other interest income		396			408			418			411			438			(12	)		(42	)
Interest expense		227			234			252			253			270			(7	)		(43	)
Depreciation expense on operating lease assets		3			3			2			1			1			-			2
Net financing revenue		166			171			164			157			167			(5	)		(1	)
Other revenue
Other income		53			59			66			64			61			(6	)		(8	)
Total other revenue		53			59			66			64			61			(6	)		(8	)
Total net revenue		219			230			230			221			228			(11	)		(9	)
Provision for loan losses		13			15			47			23			(2	)		(2	)		15
Noninterest expense
Compensation and benefits		42			43			44			40			44			(1	)		(2	)
Other operating expenses		95			100			94			137			97			(5	)		(2	)
Total noninterest expense		137			143			138			177			141			(6	)		(4	)
Income from cont. ops before income tax expense (benefit)	$	69		$	72		$	45		$	21		$	89		$	(3	)	$	(20	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	30		$	22		$	21		$	25		$	176		$	8		$	(146	)
Finance receivables and loans, net:
Consumer loans		10,286			9,826			10,139			9,383			9,198			460			1,088
Commercial loans (3)		4,346			4,368			4,778			4,912			4,778			(22	)		(432	)
Allowance for loan losses		(188	)		(193	)		(220	)		(182	)		(174	)		5			(14	)
Total finance receivables and loans, net	$	14,444		$	14,001		$	14,697		$	14,113		$	13,802		$	443		$	642
Other assets		1,737			1,444			1,336			1,367			1,336			293			401
Total assets	$	16,211		$	15,467		$	16,054		$	15,505		$	15,314		$	744		$	897

(1) Includes interest on notes receivable from General Motors and intercompany

(2) Includes interest-bearing cash

(3) Includes notes receivable from General Motors and intercompany

3Q 2012 Preliminary Results 11

ALLY FINANCIAL INC. INTERNATIONAL AUTO - KEY STATISTICS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Consumer Originations	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Germany	$	318		$	458		$	351		$	385		$	512		$	(140	)	$	(194	)
Brazil		437			513			525			573			535			(77	)		(99	)
U.K.		236			201			394			300			341			36			(104	)
Mexico		156			145			158			154			158			11			(2	)
China (1)		835			666			558			880			835			169			(0	)
Other		233			323			307			333			257			(90	)		(24	)
Total Continuing International Operations	$	2,215		$	2,306		$	2,294		$	2,624		$	2,638		$	(91	)	$	(423	)
Consumer Origination Statistics (Continuing Operations)
Number of contracts originated (# thousands)		177			172			156			186			174			5			3
Dollar amount of contracts originated	$	2,215		$	2,306		$	2,294		$	2,624		$	2,638		$	(91	)	$	(423	)
Dollar amount of retail contracts outstanding at end of period (2)	$	10,286		$	9,826		$	10,139		$	9,383		$	9,198		$	461		$	1,088
GM subvented (% based on # of GM units originated) (3)		45	%		55	%		57	%		53	%		59	%
Mix of retail & lease contract originations (% based on # of units)
New		93	%		93	%		94	%		95	%		94	%
Used		7	%		7	%		6	%		5	%		6	%

(1) Originations in China are part of a joint-venture in which Ally owns a minority interest

(2) Excludes China JV receivables

(3) Represents subvented originations inclusive of leases not subject to exclusivity agreements

3Q 2012 Preliminary Results 12

ALLY FINANCIAL INC. INSURANCE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Insurance premiums and other income
Insurance premiums and service revenue earned	$	364		$	359		$	371		$	381		$	387		$	5		$	(23	)
Investment income		(12	)		47			82			59			44			(59	)		(56	)
Other income		13			25			15			12			16			(12	)		(3	)
Total insurance premiums and other income		365			431			468			452			447			(66	)		(82	)
Expense
Insurance losses and loss adjustment expenses		151			205			155			142			162			(54	)		(11	)
Acquisition and underwriting expenses
Compensation and benefit expense		23			24			25			23			19			(1	)		4
Insurance commission expense		111			111			116			135			120			-			(9	)
Other expense		47			48			48			59			35			(1	)		12
Total acquisition and underwriting expense		181			183			189			217			174			(2	)		7
Total expense		332			388			344			359			336			(56	)		(4	)
Income from cont. ops before income tax expense	$	33		$	43		$	124		$	93		$	111		$	(10	)	$	(78	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	5,670		$	5,489		$	5,587		$	5,267		$	5,494		$	181		$	176
Finance receivables and loans, net		5			5			5			5			5			-			-
Premiums receivable and other insurance assets		2,004			2,019			2,010			1,970			2,141			(15	)		(137	)
Other assets		782			724			792			794			575			58			207
Total assets	$	8,461		$	8,237		$	8,394		$	8,036		$	8,215		$	224		$	246
Key Statistics (Continuing Operations)
Written Premiums
Dealer Products & Services	$	285		$	283		$	250		$	232		$	280		$	2		$	5
International (1)		92			103			123			104			100			(11	)		(8	)
Total written premiums and revenue	$	377		$	386		$	373		$	335		$	380		$	(9	)	$	(3	)
Loss ratio		40.5	%		54.4	%		40.5	%		36.3	%		40.6	%
Underwriting expense ratio		48.8	%		48.8	%		49.2	%		55.8	%		43.5	%
Combined ratio		89.3	%		103.2	%		89.7	%		92.1	%		84.1	%

(1) Includes written premiums held at Corporate

3Q 2012 Preliminary Results 13

ALLY FINANCIAL INC. MORTGAGE OPERATIONS ⁽¹⁾ - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Net financing revenue
Total financing revenue and other interest income	$	158		$	181		$	259		$	269		$	289		$	(23	)	$	(131	)
Interest expense		105			148			202			214			214			(43	)		(109	)
Net financing revenue		53			33			57			55			75			20			(22	)
Servicing fees		65			186			280			291			296			(121	)		(231	)
Servicing asset valuation and hedge activities, net		134			(73	)		9			(126	)		(471	)		207			605
Total servicing income, net		199			113			289			165			(175	)		86			374
Gain on mortgage loans, net		139			128			131			150			57			11			82
Other income, net of losses		108			127			127			69			19			(19	)		89
Total other revenue		446			368			547			384			(99	)		78			545
Total net revenue		499			401			604			439			(24	)		98			523
Provision for loan losses		6			21			27			35			31			(15	)		(25	)
Noninterest expense
Compensation and benefits expense		24			75			124			112			87			(51	)		(63	)
Representation and warranty expense		30			16			19			44			69			14			(39	)
Other operating expense		85			265			243			506			198			(180	)		(113	)
Total noninterest expense		139			356			386			662			354			(217	)		(215	)
Income (loss) from cont. ops before income tax expense	$	354		$	24		$	191		$	(258	)	$	(409	)	$	330		$	763
Balance Sheet (Period-End)
Cash, trading and investment securities	$	-		$	-		$	685		$	652		$	673		$	-		$	(673	)
Loans held-for-sale		1,927			1,377			6,047			8,112			8,254			550			(6,327	)
Finance receivables and loans, net:																	-			-
Consumer loans		9,787			9,823			10,790			10,828			11,109			(36	)		(1,322	)
Commercial loans		686			1,146			1,418			1,925			1,642			(460	)		(956	)
Allowance for loan losses		(447	)		(473	)		(518	)		(532	)		(542	)		26			95
Total finance receivables and loans, net	$	10,026		$	10,496		$	11,690		$	12,221		$	12,209		$	(470	)	$	(2,183	)
Mortgage servicing rights		902			1,105			2,595			2,519			2,663			(203	)		(1,761	)
Other assets		4,149			4,168			9,062			10,402			11,703			(19	)		(7,554	)
Total assets	$	17,004		$	17,146		$	30,079		$	33,906		$	35,502		$	(142	)	$	(18,498	)
Key Statistics ($ in billions)
Mortgage loan production
Prime conforming	$	7.3		$	4.9		$	6.6		$	13.7		$	13.3		$	2.4		$	(6.0	)
Prime non-conforming		0.5			0.6			0.5			0.5			0.5			(0.0	)		0.1
Government		0.3			0.5			1.5			2.3			1.8			(0.2	)		(1.5	)
Total mortgage loan production	$	8.2		$	5.9		$	8.6		$	16.5		$	15.6		$	2.3		$	(7.4	)

(1) Mortgage Operations includes ResCap results prior to the May 14, 2012 deconsolidation

3Q 2012 Preliminary Results 14

ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS

($ in millions)

Includes CFG	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Net financing loss
Total financing revenue and other interest income	$	20		$	43		$	38		$	24		$	26		$	(23	)	$	(6	)
Interest expense
Core original issue discount amortization		76			96			108			137			225			(20	)		(149	)
Other interest expense		264			229			277			222			212			35			52
Total interest expense		340			325			385			359			437			15			(97	)
Net financing loss		(320	)		(282	)		(347	)		(335	)		(411	)		(38	)		91
Other revenue
Loss on extinguishment of debt		-			-			-			-			-			-			-
Other gain on investments, net		11			36			24			6			48			(25	)		(37	)
Other income, net of losses		8			(57	)		23			12			(8	)		65			16
Total other (expense) revenue		19			(21	)		47			18			40			40			(21	)
Total net expense		(301	)		(303	)		(300	)		(317	)		(371	)		2			70
Provision for loan losses		(5	)		(23	)		(12	)		(19	)		(4	)		18			(1	)
Noninterest expense
Compensation and benefits expense		143			139			163			152			51			4			92
Other operating expense (1)		44			1,200			(15	)		1			30			(1,156	)		14
Total noninterest expense		187			1,339			148			153			81			(1,152	)		106
Loss from cont. ops before income tax (benefit) expense	$	(483	)	$	(1,619	)	$	(436	)	$	(451	)	$	(448	)	$	1,136		$	(35	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	25,227		$	23,981		$	22,623		$	22,847		$	24,544		$	1,246		$	683
Loans held-for-sale		10			-			-			20			27			10			(17	)
Finance receivables and loans, net
Consumer loans		-			-			-			-			1			-			(1	)
Commercial loans (2)		2,497			2,379			1,167			1,152			1,108			118			1,389
Allowance for loan losses		(47	)		(48	)		(52	)		(53	)		(67	)		1			20
Total finance receivables and loans, net		2,450			2,331			1,115			1,099			1,042			119			1,408
Other assets		6,210			6,471			5,191			5,675			6,780			(261	)		(570	)
Total assets	$	33,897		$	32,783		$	28,929		$	29,641		$	32,393		$	1,114		$	1,504

OID Amortization Schedule	2012		2013		2014		2015 and After
Remaining Core OID Amortization (as of 9/30/2012)	$	56	$	249	$	176		Avg / Yr = $52

(1) Includes a reduction of $148 million for September 30, 2012, a reduction of $173 million for June 30, 2012, a reduction of $213 million for March 31, 2012, a reduction of $227 million for December 31, 2011, and a reduction of $172 million for September 30, 2011, related to the allocation of corporate overhead expenses to other segments. The receiving segments record their allocation of corporate overhead expense within other operating expense. 2Q 12 other operating expense includes the $1,192 million charge taken for ResCap actions

(2) Includes Intercompany

3Q 2012 Preliminary Results 15

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Asset Quality - Consolidated (1)	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Ending loan balance	$	121,259		$	119,913		$	118,986		$	113,920		$	107,871		$	1,345		$	13,387
30+ Accruing DPD	$	1,051		$	932		$	802		$	1,038		$	972		$	119		$	79
30+ Accruing DPD %		0.9	%		0.8	%		0.7	%		0.9	%		0.9	%
Non-performing loans (NPLs)	$	1,130		$	995		$	845		$	906		$	977		$	135		$	153
Net charge-offs (NCOs)	$	125		$	88		$	107		$	120		$	123		$	36		$	2
Net charge-off rate (2)		0.42	%		0.29	%		0.37	%		0.43	%		0.45	%
Provision for loan losses	$	116		$	29		$	140		$	6		$	50		$	87		$	66
Allowance for loan losses (ALLL)	$	1,423		$	1,427		$	1,546		$	1,503		$	1,621		$	(4	)	$	(198	)
ALLL as % of Loans (3)		1.2	%		1.2	%		1.3	%		1.3	%		1.5	%
ALLL as % of NPLs (3)		125.9	%		143.4	%		182.9	%		166.0	%		165.8	%
ALLL as % of NCOs (3)		285.3	%		405.2	%		361.2	%		313.8	%		329.3	%

(1) Loans within this table are classified as held-for-investment recorded at historical cost as these loans are included in our allowance for loan losses

(2) Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding finance receivables and loans excluding loans measured at fair value and loans held-for-sale

(3) ALLL coverage ratios are based on the allowance for loan losses related to loans held-for-investment excluding those loans held at fair value as a percentage of the unpaid principal balance, net of premiums and discounts

3Q 2012 Preliminary Results 16

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED

($ in millions)

North American Auto	QUARTERLY TRENDS															CHANGE VS.
Consumer	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Allowance for loan losses	$	641		$	611		$	654		$	628		$	724		$	30		$	(83	)
Total consumer loans	$	60,561		$	58,310		$	57,075		$	54,076		$	50,507		$	2,250		$	10,054
Coverage ratio		1.1	%		1.0	%		1.1	%		1.2	%		1.4	%
Commercial
Allowance for loan losses	$	100		$	102		$	102		$	108		$	114		$	(2	)	$	(15	)
Total commercial loans	$	33,091		$	34,056		$	34,446		$	32,475		$	30,395		$	(965	)	$	2,696
Coverage ratio		0.3	%		0.3	%		0.3	%		0.3	%		0.4	%
International Auto
Consumer
Allowance for loan losses	$	162		$	167		$	178		$	138		$	127		$	(5	)	$	35
Total consumer loans	$	10,286		$	9,826		$	10,139		$	9,383		$	9,198		$	461		$	1,088
Coverage ratio		1.6	%		1.7	%		1.8	%		1.5	%		1.4	%
Commercial
Allowance for loan losses	$	26		$	26		$	42		$	44		$	47		$	(0	)	$	(20	)
Total commercial loans	$	4,257		$	4,282		$	4,656		$	4,795		$	4,318		$	(25	)	$	(61	)
Coverage ratio		0.6	%		0.6	%		0.9	%		0.9	%		1.1	%
Mortgage HFI (1)
Consumer
Allowance for loan losses	$	447		$	472		$	501		$	516		$	532		$	(25	)	$	(85	)
Total consumer loans	$	9,787		$	9,823		$	9,958		$	9,993		$	10,269		$	(36	)	$	(482	)
Coverage ratio		4.6	%		4.8	%		5.0	%		5.2	%		5.2	%
Non-performing loans	$	480		$	411		$	298		$	339		$	365		$	69		$	115
Allowance as a % of NPLs		93.1	%		114.8	%		168.2	%		152.1	%		145.7	%
Commercial
Allowance for loan losses	$	0		$	1		$	17		$	16		$	10		$	(0	)	$	(10	)
Total commercial loans	$	686		$	1,146		$	1,418		$	1,925		$	1,642		$	(460	)	$	(956	)
Coverage ratio		0.1	%		0.1	%		1.2	%		0.8	%		0.6	%
Non-performing loans	$	-		$	0		$	41		$	13		$	48		$	(0	)	$	(48	)
Allowance as a % of NPLs		0.0	%		NM			41.8	%		126.1	%		21.0	%

(1) ALLL coverage ratios are based on the allowance for loan losses related to loans held-for-investment excluding those loans held at fair value as a percentage of the unpaid principal balance, net of premiums and discounts. Includes ResCap results prior to the May 14, 2012 deconsolidation

3Q 2012 Preliminary Results 17

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Global Auto Delinquencies - Managed Retail Contract Amount (1)	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Nuvell delinquent contract $	$	74		$	77		$	68		$	131		$	126		$	(3	)	$	(52	)
Delinquent contract $ (excluding Nuvell)	$	913		$	768		$	637		$	806		$	735		$	145		$	178
% of retail contract $ outstanding		1.39	%		1.23	%		1.04	%		1.47	%		1.43	%
% of retail contract $ outstanding (excluding Nuvell)		1.30	%		1.13	%		0.95	%		1.29	%		1.25	%
Global Auto Annualized Credit Losses - Managed Retail Contract Amount
Nuvell credit losses	$	5		$	5		$	10		$	16		$	17		$	0		$	(11	)
Credit losses (excluding Nuvell)	$	91		$	66		$	63		$	63		$	55		$	25		$	36
% of avg. managed assets		0.55	%		0.41	%		0.44	%		0.51	%		0.48	%
% of avg. managed assets (excluding Nuvell)		0.52	%		0.39	%		0.39	%		0.41	%		0.37	%
North American Auto
Annualized consumer net charge-offs as a % of on-balance sheet assets		0.49	%		0.31	%		0.41	%		0.51	%		0.45	%
Managed retail contracts over 30 days delinquent		1.42	%		1.21	%		0.99	%		1.51	%		1.41	%
Repossessions as a % of average number of managed retail contracts outstanding		1.25	%		1.03	%		1.30	%		1.42	%		1.54	%
Severity of loss per unit serviced - Retail
New	$	7,843		$	7,540		$	7,374		$	7,957		$	7,584		$	303		$	259
Used	$	6,072		$	5,785		$	5,752		$	6,129		$	6,144		$	287		$	(72	)
Lease residual value (sales proceeds as % of ALG)		120	%		137	%		132	%		127	%		128	%
International Auto
Annualized consumer net charge-offs as a % of on-balance sheet assets		0.88	%		1.01	%		0.66	%		0.46	%		0.60	%
Managed retail contracts over 30 days delinquent		1.24	%		1.35	%		1.34	%		1.24	%		1.57	%
Repossessions as a % of average number of managed retail contracts outstanding		0.44	%		0.49	%		0.49	%		0.48	%		0.51	%

(1) $ Amount of accruing contracts greater than 30 days past due

3Q 2012 Preliminary Results 18

ALLY FINANCIAL INC. CAPITAL

($ in billions)

	QUARTERLY TRENDS															CHANGE VS.
Cost of Funds	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Ally Financial's worldwide cost of borrowing (incl. OID)		3.5	%		3.6	%		4.0	%		3.9	%		4.2	%
Ally Financial's worldwide cost of borrowing (excl. OID)		3.2	%		3.2	%		3.6	%		3.5	%		3.6	%
Capital
Risk-weighted assets	$	150.3		$	147.9		$	158.5		$	154.3		$	149.7		$	2.4		$	0.6
Tier 1 capital ratio		13.6	%		13.7	%		13.5	%		13.7	%		14.3	%
Tier 1 common capital ratio		7.3	%		7.3	%		7.5	%		7.6	%		8.0	%
Total risk-based capital ratio		14.6	%		14.7	%		14.5	%		14.7	%		15.5	%
Tangible common equity / Tangible assets		6.2	%		6.1	%		6.6	%		6.5	%		6.8	%
Tangible common equity / Risk-weighted assets		7.5	%		7.4	%		7.7	%		7.7	%		8.2	%
Shareholders’ equity	$	18.8		$	18.4		$	19.7		$	19.4		$	19.7		$	0.4		$	(0.9	)
less:  Goodwill and certain other intangibles		(0.5	)		(0.5	)		(0.5	)		(0.5	)		(0.5	)		-			-
Unrealized (gains) losses and other adjustments		(0.3	)		(0.2	)		(0.3	)		(0.3	)		(0.3	)		(0.1	)		-
add:   Trust preferred securities		2.5			2.5			2.5			2.5			2.5			-			-
Tier 1 capital	$	20.5		$	20.2		$	21.4		$	21.2		$	21.5		$	0.3		$	(1.0	)
Tier 1 capital	$	20.5		$	20.2		$	21.4		$	21.2		$	21.5		$	0.3		$	(1.0	)
less:  Preferred equity		(6.9	)		(6.9	)		(6.9	)		(6.9	)		(6.9	)		-			-
Trust preferred securities		(2.5	)		(2.5	)		(2.5	)		(2.5	)		(2.5	)		-			-
Tier 1 common capital (1)	$	11.0		$	10.8		$	11.9		$	11.7		$	12.0		$	0.2		$	(1.0	)
Tier 1 capital	$	20.5		$	20.2		$	21.4		$	21.2		$	21.5		$	0.3		$	(1.0	)
add:  Qualifying subordinated debt and redeemable preferred stock		0.2			0.2			0.2			0.2			0.2			-			-
Allowance for loan and lease losses includible in Tier 2 capital and other adjustments		1.2			1.3			1.4			1.4			1.5			(0.1	)		(0.3	)
Total risk-based capital	$	22.0		$	21.7		$	23.0		$	22.8		$	23.2		$	0.3		$	(1.2	)
Total shareholders' equity	$	18.8		$	18.4		$	19.7		$	19.4		$	19.7		$	0.4		$	(0.9	)
less:   Preferred equity		(6.9	)		(6.9	)		(6.9	)		(6.9	)		(6.9	)		-			-
Goodwill and intangible assets		(0.5	)		(0.5	)		(0.5	)		(0.5	)		(0.5	)		-			-
Tangible common equity (2)	$	11.3		$	10.9		$	12.2		$	11.9		$	12.3		$	0.4		$	(1.0	)
Total assets	$	182.5		$	178.6		$	186.4		$	184.1		$	182.0		$	3.9		$	0.5
less:  Goodwill and intangible assets		(0.5	)		(0.5	)		(0.5	)		(0.5	)		(0.5	)		-			-
Tangible assets	$	182.0		$	178.1		$	185.9		$	183.6		$	181.4		$	3.9		$	0.6

Note: Numbers may not foot due to rounding

(1) We define Tier 1 common as Tier 1 capital less noncommon elements including qualified perpetual preferred stock qualifying minority interest in subsidiaries, and qualifying trust preferred securities. Ally considers various measures when evaluating capital utilization and adequacy, including the Tier 1 common equity ratio, in addition to capital ratios defined by banking regulators. This calculation is intended to complement the capital ratios defined by banking regulators for both absolute and comparative purposes. Because GAAP does not include capital ratio measures, Ally believes there are no comparable GAAP financial measures to these ratios. Tier 1 common equity is not formally defined by GAAP or codified in the federal banking regulations and, therefore, is considered to be a non-GAAP financial measure. Ally believes the Tier 1 common equity ratio is important because we believe analysts and banking regulators may assess our capital adequacy using this ratio. Additionally, presentation of this measure allows readers to compare certain aspects of our capital adequacy on the same basis to other companies in the industry.

(2) We define tangible common equity as common stockholders’ equity less goodwill and identifiable intangible assets (other than mortgage servicing rights), net of deferred tax liabilities. Ally considers various measures when evaluating capital adequacy, including tangible common equity. Tangible common equity is not formally defined by GAAP or codified in the federal banking regulations and, therefore, is considered to be a non-GAAP financial measure. Ally believes that tangible common equity is important because we believe analysts and banking regulators may assess our capital adequacy using this measure. Additionally, presentation of this measure allows readers to compare certain aspects of our capital adequacy on the same basis to other companies in the industry.

3Q 2012 Preliminary Results 19

ALLY FINANCIAL INC. LIQUIDITY

($ in billions)

	3Q 12					2Q 12					CHANGE
Available Liquidity	Parent (1)		Ally Bank			Parent (1)		Ally Bank			Parent (1)			Ally Bank
Cash and cash equivalents	$	8.8	$	7.1		$	11.4	$	3.4		$	(2.6	)	$	3.7
Highly liquid securities (2)		-		5.4			-		5.0			-			0.4
Current committed unused capacity (3)		10.7		6.7			10.0		7.5			0.7			(0.8	)
Subtotal	$	19.5	$	19.2		$	21.4	$	15.9		$	(1.9	)	$	3.3
Ally Bank intercompany loan (4)		3.4		(3.4	)		2.4		(2.4	)		1.0			(1.0	)
Total Current Available Liquidity	$	22.9	$	15.8		$	23.8	$	13.5		$	(0.9	)	$	2.3
Forward commited unused capacity (5)		3.1		-			2.0		-			1.1			-
Total Available Liquidity	$	26.0	$	15.8		$	25.8	$	13.5		$	0.2		$	2.3

Unsecured Long-Term Debt Maturity Profile	2012		2013		2014		2015		2016		2017 and After
Consolidated remaining maturities (6)	$	7.9	$	2.4	$	5.9	$	5.1	$	1.5	$	20.4

(1) Parent defined as Ally Consolidated less Ally Bank, ResCap (deconsolidated as of 05/14/12) and Insurance (not shown)

(2) Includes UST, Agency debt and Agency MBS

(3) Includes equal allocation of shared unused capacity totaling $4.0 billion in 3Q 2012 and $3.8 billion in 2Q 2012 which can be used by Ally Bank or the Parent (including a Mexican subsidiary)

(4) To optimize use of cash and secured facility capacity between entities, Ally Financial lends cash to Ally Bank from time to time under an intercompany loan agreement. Amounts outstanding on this loan are repayable to Ally Financial at any time, subject to 5 days notice

(5) Represents capacity from certain foward purchase commitments and committed secured facilites that are generally reliant upon the origination of future automotive receivables over the next 12 months

(6) Excludes OID amortization

3Q 2012 Preliminary Results 20

ALLY FINANCIAL INC. DEPOSITS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Key Statistics	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11			2Q 12			3Q 11
Average retail CD maturity (months)		29.1			28.8			28.2			27.2			26.1			0.3			3.0
Average retail deposit rate		1.35	%		1.41	%		1.46	%		1.52	%		1.57	%
CD balances up for renewal	$	2,495		$	3,345		$	2,911		$	2,021		$	1,533		$	(850	)	$	962
CD balances retained (1)		2,282			3,010			2,647			1,860			1,393			(728	)		889
Retention rate		91	%		90	%		91	%		92	%		91	%
Ally Financial Deposits Levels
Ally Bank retail	$	32,139		$	30,404		$	29,323		$	27,685		$	26,254		$	1,735		$	5,885
Ally Bank brokered		9,882			9,905			9,884			9,890			9,911			(23	)		(29	)
ResMor		3,753			3,491			3,519			3,367			3,327			262			426
Other		4,095			4,192			4,480			4,108			4,834			(97	)		(739	)
Total deposits	$	49,869		$	47,992		$	47,206		$	45,050		$	44,326		$	1,877		$	5,543

(1) Retention includes balances retained in any Ally Bank product

3Q 2012 Preliminary Results 21

ALLY FINANCIAL INC. ALLY BANK CONSUMER MORTGAGE HFI PORTFOLIO (PERIOD-END)

($ in billions)

	HISTORICAL QUARTERLY TRENDS
Loan Value	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11
Gross carry value	$	9.7		$	9.8		$	9.7		$	9.7		$	9.8
Net carry value	$	9.3		$	9.3		$	9.3		$	9.3		$	9.3
Estimated Pool Characteristics
% Prime jumbo (> 1/1/2009)		36.6	%		34.5	%		31.2	%		29.1	%		27.0	%
% Second lien		12.3	%		12.8	%		13.4	%		13.9	%		14.5	%
% Interest only		23.3	%		25.9	%		29.1	%		30.3	%		31.5	%
% 30+ Day delinquent		3.2	%		3.2	%		3.3	%		3.3	%		3.3	%
% Low/No documentation		14.5	%		14.9	%		15.6	%		16.0	%		16.5	%
% Non-primary residence		3.8	%		3.9	%		3.9	%		4.0	%		4.0	%
Refreshed FICO		730			730			728			730			730
Wtd. Avg. LTV/CLTV (1)		89.8	%		90.4	%		91.8	%		90.7	%		91.2	%
Higher risk geographies (2)		39.6	%		39.2	%		38.6	%		38.2	%		38.2	%

(1) Updated home values derived using a combination of appraisals, BPOs, AVMs and MSA level house price indices

(2) Includes CA, FL, MI and AZ

3Q 2012 Preliminary Results 22

ALLY FINANCIAL INC. MORTGAGE REPURCHASE OUTSTANDING CLAIMS

($ in millions)

Mortgage Repurchase Outstanding Claims (1) (2) (3)	3Q 12			2Q 12			1Q 12			4Q 11			3Q 11
Beginning balance	$	82		$	55		$	46		$	68		$	67
New claims		113			107			87			66			97
Rescind		(36	)		(31	)		(40	)		(31	)		(58	)
Paid		(61	)		(49	)		(39	)		(58	)		(27	)
Adjustment		(0	)		1			(0	)		1			(11	)
Ending balance	$	98		$	82		$	55		$	46		$	68

(1) Includes demands that Ally has requested to be rescinded but which have not been agreed to by the investor

(2) Represents original UPB of loans and make-whole amounts related to unresolved claims and does not represent expected losses

(3) Presented on a pro-forma basis to reflect claims against Ally Bank serviced loans that were previously the economic obligation of Rescap due to swap arrangement between ResCap and Ally Bank

3Q 2012 Preliminary Results 23

ALLY FINANCIAL INC. OWNERSHIP

($ in millions)

Common Ownership as of 3Q 12

 

Other Tier 1 Capital as of 3Q 12

		Liquidation	Book
Series	Owner	Preference	Value
Trust Preferred Securities (1)	Investors	$        2,667	$        2,543
Series F-2 Mandatory Convertible Preferred (1)	U.S. Treasury	$        5,938	$        5,685
Series G Perpetual Preferred	Investors	$        2,577	$           234
Series A Perpetual Preferred	Investors	$        1,022	$        1,021

(1) Includes exercised warrants

3Q 2012 Preliminary Results 24