Exhibit 99.3

FIRST QUARTER 2015

FINANCIAL SUPPLEMENT

1

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 Annual Reports 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,” “explore,” “positions,” “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 our current judgment on what the future may hold, and we believe 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, and Ally and Chrysler, and our ability to further diversify our business; our ability to maintain relationships with automotive dealers; the significant regulation and restrictions that we are subject to as a bank holding company and financial holding company; 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 our credit ratings; 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, whether as a result of new information, future events or other such factors that affect the subject of these 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 operations. The specific products include retail installment sales contracts, lines of credit, leases or other financing products. The term “originate” refers to Ally’s purchase, acquisition or direct origination of various “loan” products.

1Q 2015 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
Automotive Finance	9-10
Insurance	11
Mortgage	12
Corporate and Other	13
Credit Related Information	14-15
Supplemental Detail
Capital	16
Liquidity	17
Deposits	18
Ally Bank Consumer Mortgage HFI Portfolio	19
Discontinued Operations	20
Per Share-Related Information	21
Supplemental Financial Data	22

1Q 2015 Preliminary Results 3

ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS

($ in millions, shares in thousands)

		QUARTERLY TRENDS														CHANGE VS.
Selected Income Statement Data		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Net financing revenue (ex. OID)	$	860		$	835		$	936		$	912		$	865		$	26		$	(5	)
Total other revenue (ex. OID)		250			221			375			372			321			29			(71	)
Total net revenue (ex. OID)		1,110			1,056			1,311			1,284			1,186			54			(76	)
Provision for loan losses		116			155			102			63			137			(39	)		(21	)
Controllable expenses (1)		469			479			469			455			490			(10	)		(21	)
Other noninterest expenses		226			193			273			366			223			33			3
Core pre-tax income (2)	$	299		$	229		$	467		$	400		$	336		$	70		$	(37	)
Core OID amortization expense (3)		17			42			47			53			44			(25	)		(27	)
Income tax (benefit) expense		103			36			127			64			94			67			9
Income (loss) from discontinued operations		397			26			130			40			29			371			368
Net income	$	576		$	177		$	423		$	323		$	227		$	399		$	349
Preferred stock dividends		67			68			67			65			68			(1	)		(1	)
Net income (loss) available to common shareholders	$	509		$	109		$	356		$	258		$	159		$	400		$	350
Selected Balance Sheet Data (Period-End)
Total assets	$	153,524		$	151,828		$	149,195		$	149,937		$	148,452		$	1,696		$	5,072
Consumer loans		65,100			64,044			66,270			65,961			64,913			1,056			187
Commercial loans		34,757			35,904			33,248			34,817			34,711			(1,147	)		46
Assets of discontinued operations held-for-sale		-			634			603			574			541			(634	)		(541	)
Allowance for loan losses		(933	)		(977	)		(1,113	)		(1,171	)		(1,192	)		44			259
Deposits		60,875			58,222			56,851			56,091			55,367			2,653			5,508
Common equity (4)		14,679			14,144			13,935			13,623			13,204			535			1,475
Total equity		15,934			15,399			15,190			14,878			14,459			535			1,475
Common Share Count
Weighted average basic (5)		482,248			481,861			481,611			481,350			479,768			386			2,480
Weighted average diluted (5)		482,782			483,091			482,506			482,343			479,768			(309	)		3,014
Issued shares outstanding (period-end)		481,503			480,095			479,818			479,773			479,768			1,408			1,735
Per Common Share Data
Earnings per share (basic) (5)	$	1.06		$	0.23		$	0.74		$	0.54		$	0.33		$	0.83		$	0.72
Earnings per share (diluted) (5)		1.06			0.23			0.74			0.54			0.33			0.83			0.72
Adjusted earnings per share		0.52			0.40			0.53			0.42			0.34			0.12			0.18
Book value per share		30.49			29.46			29.04			28.39			27.52			1.02			2.96
Tangible book value per share		30.43			29.40			28.99			28.34			27.47			1.03			2.96
Select Financial Ratios
Net interest margin (6)		2.5	%		2.4	%		2.7	%		2.6	%		2.5	%
Cost of funds (incl. OID)		1.9	%		2.0	%		2.0	%		2.3	%		2.2	%
Cost of funds (excl. OID)		1.8	%		1.9	%		1.9	%		2.1	%		2.1	%
Adjusted efficiency ratio (7)		48	%		50	%		49	%		49	%		55	%
Return on average assets (8)		1.5	%		0.5	%		1.1	%		0.9	%		0.6	%
Return on average total equity (8)		14.9	%		4.6	%		11.2	%		8.8	%		6.4	%
Return on average tangible common equity (8)		14.2	%		3.1	%		10.3	%		7.7	%		4.9	%
Core ROTCE (7)(8)		9.1	%		7.1	%		9.1	%		8.4	%		6.5	%
Capital Ratios (9)
Common Equity Tier 1 (CET1) capital ratio (Tier 1 common prior to 1Q15) (10)		10.9	%		9.6	%		9.7	%		9.4	%		9.1	%
Tier 1 capital ratio		13.2	%		12.5	%		12.7	%		12.3	%		12.1	%
Total capital ratio		14.1	%		13.2	%		13.5	%		13.2	%		13.0	%

(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 income tax expense and primarily bond exchange original issue discount ("OID") amortization expense

(3) Core Original Issuance Discount (OID) is primarily related to bond exchange OID; excludes IO and post 2009 issuances

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

(5) Includes shares related to share-based compensation that have vested but not yet been issued as of March 31, 2015, December 31, 2014, September 30,2014 and June 30, 2014

(6) Continuing operations only. Excludes OID amortization expense

(7) For more details refer to page 22

(8) Return metrics are annualized

(9) Basel III rules became effective on January 1, 2015, subject to transition provisions primarily related to deductions and adjustments impacting CET1 capital and Tier 1 capital; all data prior to that date is based on Basel I rules

(10) Common Equity Tier 1 capital ratio is a non-GAAP measurement. Refer to page 16 for additional details

1Q 2015 Preliminary Results 4

ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT

($ in millions)

		QUARTERLY TRENDS														CHANGE VS.
		1Q 15			4Q 14			3Q 14		2Q 14			1Q 14			4Q 14			1Q 14
Financing revenue and other interest income
Interest and fees on finance receivables and loans (1)	$	1,074		$	1,112		$	1,114	$	1,124		$	1,107		$	(38	)	$	(33	)
Interest on loans held-for-sale		24			-			-		1			-			24			24
Interest and dividends on available-for-sale investment securities		88			85			94		93			95			3			(7	)
Interest-bearing cash		2			2			2		1			3			-			(1	)
Operating leases		896			905			899		884			870			(9	)		26
Total financing revenue and other interest income		2,084			2,104			2,109		2,103			2,075			(20	)		9
Interest expense
Interest on deposits		172			169			166		166			163			3			9
Interest on short-term borrowings		11			12			12		13			15			(1	)		(4	)
Interest on long-term debt		429			491			493		549			534			(62	)		(105	)
Total interest expense		612			672			671		728			712			(60	)		(100	)
Depreciation expense on operating lease assets		622			633			549		509			542			(11	)		80
Net financing revenue		850			799			889		866			821			51			29
Other revenue
Servicing fees		10			9			6		7			9			1			1
Insurance premiums and service revenue earned		233			243			246		249			241			(10	)		(8	)
Gain on mortgage and automotive loans, net		46			1			-		6			-			45			46
Loss on extinguishment of debt		(198	)		(156	)		-		(7	)		(39	)		(42	)		(159	)
Other gain on investments, net		55			52			45		41			43			3			12
Other income, net of losses		97			66			78		69			67			31			30
Total other revenue		243			215			375		365			321			28			(78	)
Total net revenue		1,093			1,014			1,264		1,231			1,142			79			(49	)
Provision for loan losses		116			155			102		63			137			(39	)		(21	)
Noninterest expense
Compensation and benefits expense		255			237			241		215			254			18			1
Insurance losses and loss adjustment expenses		56			57			97		188			68			(1	)		(12	)
Other operating expenses		384			378			404		418			391			6			(7	)
Total noninterest expense		695			672			742		821			713			23			(18	)
Income (loss) from continuing operations before income tax expense		282			187			420		347			292			95			(10	)
Income tax (benefit) expense from continuing operations		103			36			127		64			94			67			9
Net income from continuing operations		179			151			293		283			198			28			(19	)
Income (loss) from discontinued operations, net of tax		397			26			130		40			29			371			368
Net income (loss)	$	576		$	177		$	423	$	323		$	227		$	399		$	349

(1) Includes other interest income, net 

1Q 2015 Preliminary Results 5

ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Assets		3/31/2015			12/31/2014			9/30/2014			6/30/2014			3/31/2014			12/31/2014			3/31/2014
Cash and cash equivalents
Noninterest-bearing	$	1,552		$	1,348		$	1,318		$	1,373		$	1,342		$	204		$	210
Interest-bearing		6,084			4,228			4,381			4,404			4,551			1,856			1,533
Total cash and cash equivalents		7,636			5,576			5,699			5,777			5,893			2,060			1,743
Federal funds sold and securities purchased under resale agreements		50			-			-			-			-			50			50
Investment securities		17,829			16,137			16,714			16,748			16,327			1,692			1,502
Loans held-for-sale, net		1,559			2,003			3			3			43			(444	)		1,516
Finance receivables and loans, net
Finance receivables and loans, net		99,857			99,948			99,518			100,778			99,624			(91	)		233
Allowance for loan losses		(933	)		(977	)		(1,113	)		(1,171	)		(1,192	)		44			259
Total finance receivables and loans, net		98,924			98,971			98,405			99,607			98,432			(47	)		492
Investment in operating leases, net		19,021			19,510			19,341			18,814			18,187			(489	)		834
Premiums receivables and other insurance assets		1,722			1,695			1,678			1,656			1,639			27			83
Other assets		6,783			7,302			6,752			6,758			7,390			(519	)		(607	)
Assets of operations held-for-sale		-			634			603			574			541			(634	)		(541	)
Total assets	$	153,524		$	151,828		$	149,195		$	149,937		$	148,452		$	1,696		$	5,072
Liabilities
Deposit liabilities
Noninterest-bearing	$	79		$	64		$	73		$	75		$	71		$	15		$	8
Interest-bearing		60,796			58,158			56,778			56,016			55,296			2,638			5,500
Total deposit liabilities		60,875			58,222			56,851			56,091			55,367			2,653			5,508
Short-term borrowings		6,447			7,062			5,255			6,369			5,163			(615	)		1,284
Long-term debt		65,760			66,558			67,299			67,913			68,295			(798	)		(2,535	)
Interest payable		440			477			542			528			893			(37	)		(453	)
Unearned insurance premiums and service revenue		2,374			2,375			2,369			2,349			2,312			(1	)		62
Accrued expense and other liabilities		1,694			1,735			1,689			1,809			1,963			(41	)		(269	)
Total liabilities	$	137,590		$	136,429		$	134,005		$	135,059		$	133,993		$	1,161		$	3,597
Equity
Common stock and paid-in capital	$	21,032		$	21,038		$	21,022		$	21,011		$	20,939		$	(6	)	$	94
Preferred stock		1,255			1,255			1,255			1,255			1,255			-			-
Accumulated deficit		(6,318	)		(6,828	)		(6,937	)		(7,293	)		(7,551	)		509			1,233
Accumulated other comprehensive (loss) income		(36	)		(66	)		(150	)		(95	)		(184	)		31			149
Total equity		15,934			15,399			15,190			14,878			14,459			535			1,475
Total liabilities and equity	$	153,524		$	151,828		$	149,195		$	149,937		$	148,452		$	1,696		$	5,072

1Q 2015 Preliminary Results 6

ALLY FINANCIAL INC. CONSOLIDATED AVERAGE BALANCE SHEET ⁽¹⁾

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Assets		3/31/2015			12/31/2014			9/30/2014			6/30/2014			3/31/2014			12/31/2014			3/31/2014
Interest-bearing cash and cash equivalents	$	4,402		$	4,293		$	3,867		$	3,863		$	5,304		$	109		$	(902	)
Federal funds sold and securities purchased under resale agreements		7			-			-			-			-			7			7
Investment securities		15,904			15,439			16,182			15,578			15,714			465			190
Loans held-for-sale, net		1,947			25			3			26			11			1,922			1,936
Total finance receivables and loans, net (2)		98,843			101,272			100,089			100,159			99,048			(2,429	)		(205	)
Investment in operating leases, net		19,405			19,479			19,114			18,544			17,998			(74	)		1,407
Total interest earning assets		140,508			140,508			139,255			138,170			138,075			-			2,433
Noninterest-bearing cash and cash equivalents		1,825			1,757			1,688			1,550			1,441			68			384
Other assets (3)		9,793			10,078			10,323			11,306			11,888			(285	)		(2,095	)
Allowance for loan losses		(969	)		(1,113	)		(1,174	)		(1,201	)		(1,206	)		144			237
Total assets	$	151,157		$	151,230		$	150,092		$	149,825		$	150,198		$	(73	)	$	959
Liabilities
Interest-bearing deposit liabilities	$	59,391		$	57,332		$	56,301		$	55,556		$	54,203		$	2,059		$	5,188
Short-term borrowings		6,280			6,258			6,187			6,149			6,643			22			(363	)
Long-term debt (4)		65,168			67,884			67,687			67,727			69,030			(2,716	)		(3,862	)
Total interest-bearing liabilities (4)		130,839			131,474			130,175			129,432			129,876			(635	)		963
Noninterest-bearing deposit liabilities		73			68			75			70			66			5			7
Other liabilities (3)		4,548			4,432			4,856			5,661			5,933			116			(1,385	)
Total liabilities	$	135,460		$	135,974		$	135,106		$	135,163		$	135,875		$	(514	)	$	(415	)
Equity
Total equity	$	15,697		$	15,256		$	14,986		$	14,662		$	14,323		$	441		$	1,374
Total liabilities and equity	$	151,157		$	151,230		$	150,092		$	149,825		$	150,198		$	(73	)	$	959

(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) Assets and liabilities of discontinued operations are classified as other assets and other liabilities, respectively, in all periods

(4) QTD: Average balance includes $1,344 million and $1,509 million related to original issue discount at March 2015 and March 2014, respectively

1Q 2015 Preliminary Results 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Automotive Finance	$	331		$	310		$	415		$	461		$	339		$	21		$	(8	)
Insurance		78			86			60			(23	)		74			(8	)		4
Dealer Financial Services		409			396			475			438			413			13			(4	)
Mortgage		69			21			(3	)		27			17			48			52
Corporate and Other (ex. OID) (1)		(179	)		(188	)		(5	)		(65	)		(94	)		9			(85	)
Core pre-tax income (2)	$	299		$	229		$	467		$	400		$	336		$	70		$	(37	)
Core OID amortization expense (3)		17			42			47			53			44			(25	)		(27	)
Income tax expense		103			36			127			64			94			67			9
Income from discontinued operations		397			26			130			40			29			371			368
Net income	$	576		$	177		$	423		$	323		$	227		$	399		$	349

(1) Corporate and Other primarily consists of Ally’s centralized treasury activities, the residual impacts of the company’s corporate funds transfer pricing and asset liability management activities, and the amortization of the discount associated with debt issuances and bond exchanges. Corporate and Other also includes the Ally Corporate Finance business, certain equity investments and reclassifications, eliminations between the reportable operating segments, and overhead previously allocated to operations that have since been sold or discontinued

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

(3) Includes accelerated OID expense of $7 million in 1Q15, $6 million in 4Q14 and $7 million in 2Q14 due to debt redemption

1Q 2015 Preliminary Results 8

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Income Statement		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Net financing revenue
Consumer	$	745		$	770		$	774		$	763		$	739		$	(25	)	$	6
Commercial		238			252			246			262			264			(14	)		(26	)
Loans held-for-sale		19			-			-			-			-			19			19
Operating leases		896			905			899			884			870			(9	)		26
Other interest income		2			2			3			2			3			-			(1	)
Total financing revenue and other interest income		1,900			1,929			1,922			1,911			1,876			(29	)		24
Interest expense		469			529			523			518			514			(60	)		(45	)
Depreciation expense on operating lease assets:
Depreciation expense on operating lease assets (ex. remarketing)		691			683			654			677			651			8			40
Remarketing gains		(69	)		(50	)		(105	)		(168	)		(109	)		(19	)		40
Total depreciation expense on operating lease assets		622			633			549			509			542			(11	)		80
Net financing revenue		809			767			850			884			820			42			(11	)
Other revenue
Servicing fees		10			9			6			7			9			1			1
Gain on automotive loans, net		(15	)		4			6			-			-			(19	)		(15	)
Other income		57			56			57			55			55			1			2
Total other revenue		52			69			69			62			64			(17	)		(12	)
Total net revenue		861			836			919			946			884			25			(23	)
Provision for loan losses		127			175			109			99			159			(48	)		(32	)
Noninterest expense
Compensation and benefits		126			113			112			106			123			13			3
Other operating expenses		277			238			283			280			263			39			14
Total noninterest expense		403			351			395			386			386			52			17
Income before income tax expense	$	331		$	310		$	415		$	461		$	339		$	21		$	(8	)
Memo: Net lease revenue
Operating lease revenue	$	896		$	905		$	899		$	884		$	870		$	(9	)	$	26
Depreciation expense on operating lease assets (ex. remarketing)		691			683			654			677			651			8			40
Remarketing gains		(69	)		(50	)		(105	)		(168	)		(109	)		(19	)		40
Total depreciation expense on operating lease assets		622			633			549			509			542			(11	)		80
Net lease revenue	$	274		$	272		$	350		$	375		$	328		$	2		$	(54	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	34		$	32		$	34		$	34		$	35		$	2		$	(1	)
Loans held-for-sale		1,500			1,515			-			-			-			(15	)		1,500
Finance receivables and loans, net:
Consumer loans		57,379			56,535			58,659			58,084			56,763			844			616
Commercial loans (1)		32,770			34,039			31,510			33,070			33,013			(1,269	)		(243	)
Allowance for loan losses		(778	)		(783	)		(783	)		(822	)		(809	)		5			31
Total finance receivables and loans, net		89,371			89,791			89,386			90,332			88,967			(420	)		404
Investment in operating leases, net		19,021			19,510			19,341			18,814			18,187			(489	)		834
Other assets		1,223			1,706			1,573			1,580			1,577			(483	)		(354	)
Assets of operations held-for-sale		-			634			603			574			541			(634	)		(541	)
Total assets	$	111,149		$	113,188		$	110,937		$	111,334		$	109,307		$	(2,039	)	$	1,842

(1) Includes intercompany

1Q 2015 Preliminary Results 9

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS

		QUARTERLY TRENDS															CHANGE VS.
U.S. Market		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Light vehicle sales (SAAR - units in millions)		16.6			16.7			16.7			16.5			15.7			(0.2	)		0.9
Light vehicle sales (quarterly - units in millions)		3.9			4.1			4.2			4.4			3.7			(0.1	)		0.2
GM market share		17.4	%		17.9	%		17.7	%		18.3	%		17.4	%
Chrysler market share		12.8	%		13.1	%		12.6	%		12.4	%		12.8	%
U.S. Consumer Originations (1) ($ in billions)
GM new retail subvented	$	0.5		$	0.5		$	1.8		$	0.9		$	0.9		$	0.1		$	(0.3	)
GM new retail standard		2.0			1.9			1.9			1.9			1.5			0.2			0.5
Chrysler new retail subvented		0.0			0.0			0.0			-			-			(0.0	)		0.0
Chrysler new retail standard		1.0			0.8			1.0			1.0			0.7			0.2			0.3
New growth		1.0			0.7			0.9			0.8			0.6			0.3			0.4
Lease		1.6			2.4			3.0			3.2			2.7			(0.8	)		(1.0	)
Used		3.6			2.7			3.2			3.1			2.8			0.9			0.8
Total originations	$	9.8		$	9.0		$	11.8		$	10.9		$	9.2		$	0.8		$	0.7
U.S. Consumer Penetration
GM		20.7	%		22.9	%		30.9	%		28.5	%		27.7	%
Chrysler		11.3	%		10.6	%		11.3	%		10.9	%		8.3	%
U.S. Commercial Outstandings EOP ($ in billions)
Floorplan outstandings, net	$	28.3		$	29.7		$	27.3		$	29.0		$	29.1		$	(1.4	)	$	(0.8	)
Other dealer loans		4.5			4.3			4.2			4.0			3.8			0.1			0.6
Total Commercial outstandings	$	32.8		$	34.0		$	31.5		$	33.0		$	33.0		$	(1.3	)	$	(0.2	)
U.S. Floorplan Penetration (2)
GM penetration		63.2	%		63.8	%		63.4	%		64.7	%		64.1	%
Chrysler penetration		44.6	%		44.1	%		43.8	%		44.8	%		46.4	%
U.S. Off-Lease Remarketing
Off-lease vehicles terminated - On-balance sheet (# in units)		65,060			70,969			79,280			85,143			61,001			(5,909	)		4,059
Average gain per vehicle	$	1,067		$	705		$	1,327		$	1,978		$	1,791		$	362		$	(723	)
Total gains ($ in millions)	$	69		$	50		$	105		$	168		$	109		$	19		$	(40	)

(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) Penetration rates are based on the trailing four month average for the quarter

1Q 2015 Preliminary Results 10

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

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Income Statement		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Insurance premiums and other income
Insurance premiums and service revenue earned	$	233		$	243		$	246		$	249		$	241		$	(10	)	$	(8	)
Investment income		43			44			53			54			43			(1	)		-
Other income		4			2			4			3			3			2			1
Total insurance premiums and other income		280			289			303			306			287			(9	)		(7	)
Expense
Insurance losses and loss adjustment expenses		56			57			97			188			68			(1	)		(12	)
Acquisition and underwriting expenses
Compensation and benefit expense		19			17			15			15			16			2			3
Insurance commission expense		93			95			95			94			89			(2	)		4
Other expense		34			34			36			32			40			(0	)		(6	)
Total acquisition and underwriting expense		146			146			146			141			145			-			1
Total expense		202			203			243			329			213			(1	)		(11	)
Income from cont. ops before income tax expense	$	78		$	86		$	60		$	(23	)	$	74		$	(8	)	$	4
Balance Sheet (Period-End)
Cash, trading and investment securities	$	5,327		$	5,313		$	5,296		$	5,368		$	5,314		$	14		$	13
Premiums receivable and other insurance assets		1,732			1,706			1,688			1,666			1,650			26			82
Other assets		183			171			194			198			220			12			(37	)
Total assets	$	7,242		$	7,190		$	7,178		$	7,232		$	7,184		$	52		$	58
Key Statistics (Continuing Operations)
Written Premiums
Dealer Products & Services (1)	$	239		$	248		$	265		$	267		$	244		$	(9	)	$	(5	)
Corporate		0			0			0			0			-			0			0
Total written premiums and revenue (1)	$	239		$	248		$	265		$	267		$	244		$	(9	)	$	(5	)
Loss ratio		23.8	%		23.1	%		39.3	%		75.1	%		27.9	%
Underwriting expense ratio		62.1	%		59.9	%		59.1	%		55.7	%		60.0	%
Combined ratio		85.9	%		83.0	%		98.4	%		130.9	%		87.9	%

(1) Excludes Canadian Personal Lines business, which is in runoff

1Q 2015 Preliminary Results 11

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

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Income Statement		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Net financing revenue
Total financing revenue and other interest income	$	70		$	65		$	68		$	73		$	76		$	5		$	(6	)
Interest expense		55			57			59			61			62			(2	)		(7	)
Net financing revenue		15			8			9			12			14			7			1
Gain on mortgage loans, net		66			-			-			6			-			66			66
Other income, net of losses		2			4			-			3			4			(2	)		(2	)
Total other revenue		68			4			-			9			4			64			64
Total net revenue		83			12			9			21			18			71			65
Provision for loan losses		(5	)		(14	)		(7	)		(25	)		(23	)		9			18
Noninterest expense
Compensation and benefits expense		3			2			3			2			4			1			(1	)
Representation and warranty expense		-			(11	)		-			0			1			11			(1	)
Other operating expense		16			14			16			17			19			2			(3	)
Total noninterest expense		19			5			19			19			24			14			(5	)
Income (loss) from cont. ops before income tax expense	$	69		$	21		$	(3	)	$	27		$	17		$	48		$	52
Balance Sheet (Period-End)
Loans held-for-sale	$	42		$	452		$	3		$	3		$	43		$	(410	)	$	(1	)
Finance receivables and loans, net:
Consumer loans		7,653			7,474			7,595			7,847			8,138			179			(485	)
Allowance for loan losses		(119	)		(152	)		(283	)		(302	)		(333	)		33			214
Total finance receivables and loans, net		7,534			7,322			7,312			7,545			7,805			212			(271	)
Other assets (1)		118			110			87			92			89			8			29
Total assets	$	7,694		$	7,884		$	7,402		$	7,640		$	7,937		$	(190	)	$	(243	)

(1) Includes derivative assets which are reflected on a gross basis on the balance sheet, assets of discontinued operations held-for-sale and other assets

1Q 2015 Preliminary Results 12

ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Income Statement		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Net financing revenue
Total financing revenue and other interest income	$	89		$	88		$	89		$	90		$	94		$	1		$	(5	)
Interest expense
Core original issue discount amortization (1)		10			36			47			46			44			(25	)		(34	)
Other interest expense		65			37			28			90			78			27			(13	)
Total interest expense		75			73			75			136			122			2			(47	)
Net financing revenue		14			15			14			(46	)		(28	)		(1	)		42
Other revenue
Loss on extinguishment of debt		(198	)		(156	)		-			(7	)		(39	)		(42	)		(159	)
Other gain on investments, net		22			16			6			2			14			6			8
Other income, net of losses (2)		31			2			13			9			6			29			25
Total other (loss) revenue		(145	)		(138	)		19			4			(19	)		(7	)		(126	)
Total net revenue		(131	)		(123	)		33			(42	)		(47	)		(8	)		(84	)
Provision for loan losses		(6	)		(6	)		-			(11	)		1			-			(7	)
Noninterest expense
Compensation and benefits expense		107			105			111			92			111			2			(4	)
Other operating expense (3)		(36	)		8			(26	)		(5	)		(21	)		(44	)		(15	)
Total noninterest expense		71			113			85			87			90			(42	)		(19	)
Loss from cont. ops before income tax expense	$	(196	)	$	(230	)	$	(52	)	$	(118	)	$	(138	)	$	34		$	(58	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	20,154		$	16,368		$	17,083		$	17,123		$	16,871		$	3,786		$	3,283
Loans held-for-sale		17			36			-			-			-			(19	)		17
Finance receivables and loans, net
Consumer loans		68			35			16			30			12			33			56
Commercial loans (4)		1,987			1,865			1,738			1,747			1,698			122			289
Allowance for loan losses		(36	)		(42	)		(47	)		(47	)		(50	)		6			14
Total finance receivables and loans, net		2,019			1,858			1,707			1,730			1,660			161			359
Other assets		5,249			5,304			4,888			4,878			5,493			(55	)		(244	)
Total assets	$	27,439		$	23,566		$	23,678		$	23,731		$	24,024		$	3,873		$	3,415
OID Amortization Schedule (5)					2015			2016			2017 and After
Remaining Core OID Amortization (as of 3/31/2015)				$	34		$	55			Avg = $52/yr

(1) Does not include accelerated OID expense of $7 million in 1Q15, $6 million in 4Q14 and $7 million in 2Q14, which is reflected in other revenue

(2) Includes gain/(loss) on mortgage and automotive loans

(3) Other operating expenses includes (i) certain unallocated expenses primarily associated with operations that have been sold or discontinued and (ii) corporate overhead allocated to the other business segments. Amounts of corporate overhead allocated were $181 million for 1Q15, $167 million for 4Q14, $172 million in 3Q14, $161 million for 2Q14, and $185 million for 1Q14. The receiving business segment records the allocation of corporate overhead expense within other operating expenses.

(4) Includes intercompany

(5) Primarily represents bond exchange OID amortization expense used for calculating core pre-tax income

1Q 2015 Preliminary Results 13

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Asset Quality - Consolidated (1)		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Ending loan balance	$	99,856		$	99,947		$	99,517		$	100,777		$	99,623		$	(91	)	$	233
30+ Accruing DPD	$	1,157		$	1,607		$	1,452		$	1,245		$	956		$	(451	)	$	201
30+ Accruing DPD %		1.2	%		1.6	%		1.5	%		1.2	%		1.0	%
Non-performing loans (NPLs)	$	593		$	645		$	621		$	611		$	710		$	(52	)	$	(117	)
Net charge-offs (NCOs)	$	150		$	170		$	149		$	85		$	133		$	(20	)	$	18
Net charge-off rate (2)		0.6	%		0.7	%		0.6	%		0.3	%		0.5	%
Provision for loan losses	$	116		$	155		$	102		$	63		$	137		$	(39	)	$	(21	)
Allowance for loan losses (ALLL)	$	933		$	977		$	1,113		$	1,171		$	1,192		$	(44	)	$	(259	)
ALLL as % of Loans (3)		0.9	%		1.0	%		1.1	%		1.2	%		1.2	%
ALLL as % of NPLs (3)		157.5	%		151.5	%		179.2	%		191.8	%		167.9	%
ALLL as % of NCOs (3)		155.0	%		143.5	%		186.8	%		344.2	%		223.8	%
U.S. Auto Delinquencies - HFI Retail Contract Amount (4)
Delinquent contract $	$	1,076		$	1,543		$	1,338		$	1,174		$	904		$	(467	)	$	172
% of retail contract $ outstanding		1.87	%		2.73	%		2.28	%		2.02	%		1.59	%
U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract Amount
Net charge-offs	$	132		$	160		$	137		$	83		$	121		$	(28	)	$	11
% of avg. HFI assets		0.93	%		1.10	%		0.93	%		0.58	%		0.85	%
U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract Amount
Net charge-offs	$	(1	)	$	(0	)	$	0		$	1		$	0		$	(0	)	$	(1	)
% of avg. HFI assets		-0.01	%		0.00	%		0.00	%		0.01	%		0.00	%

(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

(4) Dollar amount of accruing contracts greater than 30 days past due

1Q 2015 Preliminary Results 14

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED

($ in millions)

CONTINUING OPERATIONS

Automotive Finance (1)(2)		QUARTERLY TRENDS															CHANGE VS.
Consumer		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Allowance for loan losses	$	711		$	685		$	693		$	729		$	715		$	26		$	(4	)
Total consumer loans (3)	$	57,447		$	56,570		$	58,675		$	58,114		$	56,775		$	877		$	672
Coverage ratio		1.2	%		1.2	%		1.2	%		1.3	%		1.3	%
Commercial
Allowance for loan losses	$	67		$	98		$	90		$	93		$	94		$	(31	)	$	(27	)
Total commercial loans	$	32,753		$	34,022		$	31,492		$	33,041		$	32,984		$	(1,269	)	$	(230	)
Coverage ratio		0.2	%		0.3	%		0.3	%		0.3	%		0.3	%
Mortgage (1)(2)
Consumer
Allowance for loan losses	$	119		$	152		$	283		$	302		$	333		$	(33	)	$	(214	)
Total consumer loans	$	7,652		$	7,473		$	7,594		$	7,846		$	8,137		$	179		$	(485	)
Coverage ratio		1.6	%		2.0	%		3.7	%		3.9	%		4.1	%
Corporate and Other (1)(4)
Allowance for loan losses	$	36		$	42		$	47		$	47		$	50		$	(5	)	$	(14	)
Total commercial loans	$	2,004		$	1,882		$	1,756		$	1,776		$	1,727		$	123		$	277
Coverage ratio		1.8	%		2.2	%		2.7	%		2.6	%		2.9	%

(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

(2) Represents domestic allowance for loan losses only

(3) Includes $68 million Corp. Treasury hedging activity related to domestic consumer auto outstandings in 1Q15, $35 million in 4Q14, $16 million in 3Q14, $30 million in 2Q14 and $12 million in 1Q14

(4) Includes Insurance

1Q 2015 Preliminary Results 15

ALLY FINANCIAL INC. CAPITAL

($ in billions)

	QUARTERLY TRENDS															CHANGE VS.
		Basel III Transition			Basel I
Capital (1)		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Risk-weighted assets	$	130.1		$	130.6		$	128.2		$	129.2		$	127.7		$	(0.5	)	$	2.4
Common Equity Tier 1 (CET1) capital ratio (Tier 1 common prior to 1Q15)		10.9	%		9.6	%		9.7	%		9.4	%		9.1	%
Tier 1 capital ratio		13.2	%		12.5	%		12.7	%		12.3	%		12.1	%
Total capital ratio		14.1	%		13.2	%		13.5	%		13.2	%		13.0	%
Tangible common equity / Tangible assets		9.5	%		9.3	%		9.3	%		9.1	%		8.9	%
Tangible common equity / Risk-weighted assets		11.3	%		10.8	%		10.8	%		10.5	%		10.3	%
Shareholders’ equity	$	15.9		$	15.4		$	15.2		$	14.9		$	14.5		$	0.5		$	1.4
less:   Preferred equity		(1.3	)		(1.3	)		(1.3	)		(1.3	)		(1.3	)		-			-
Disallowed DTA		(0.5	)		(1.3	)		(1.4	)		(1.3	)		(1.5	)		0.8			1.0
Certain AOCI items and other adjustments		-			(0.2	)		(0.1	)		(0.2	)		(0.1	)		0.2			0.1
Common Equity Tier 1 capital (2)	$	14.2		$	12.6		$	12.4		$	12.1		$	11.7		$	1.6		$	2.5
Common Equity Tier 1 capital	$	14.2		$	12.6		$	12.4		$	12.1		$	11.7		$	1.6		$	2.5
add:   Preferred equity		1.1			1.3			1.3			1.3			1.3			(0.2	)		(0.2	)
Trust preferred securities		2.5			2.5			2.5			2.5			2.5			-			-
less:  Other adjustments		(0.7	)		-			-			-			-			(0.7	)		(0.7	)
Tier 1 capital	$	17.1		$	16.4		$	16.2		$	15.9		$	15.5		$	0.7		$	1.6
Tier 1 capital	$	17.1		$	16.4		$	16.2		$	15.9		$	15.5		$	0.7		$	1.6
add:  Qualifying subordinated debt and redeemable preferred stock		0.4			0.2			0.2			0.2			0.2			0.2			0.2
Allowance for loan and lease losses includible in Tier 2 capital and other adjustments		0.9			0.7			0.8			0.9			0.9			0.2			-
Total capital	$	18.4		$	17.3		$	17.3		$	17.1		$	16.6		$	1.1		$	1.8
Total shareholders' equity	$	15.9		$	15.4		$	15.2		$	14.9		$	14.5		$	0.5		$	1.4
less:   Preferred equity		(1.3	)		(1.3	)		(1.3	)		(1.3	)		(1.3	)		-			-
Goodwill and intangible assets		-			-			-			-			-			-			-
Tangible common equity (3)	$	14.7		$	14.1		$	13.9		$	13.6		$	13.2		$	0.6		$	1.5
Total assets	$	153.5		$	151.8		$	149.2		$	149.9		$	148.5		$	1.7		$	5.0
less:  Goodwill and intangible assets		-			-			-			-			-			-			-
Tangible assets	$	153.5		$	151.8		$	149.2		$	149.9		$	148.4		$	1.7		$	5.1

Note: Numbers may not foot due to rounding

(1) Basel III rules became effective on January 1, 2015, subject to transition provisions primarily related to deductions and adjustments impacting CET1 capital and Tier 1 capital; all data prior to that date is based on Basel I rules.

(2) Tier 1 Common and Common Equity Tier 1 are non-GAAP financial measures. We define Tier 1 Common and Common Equity Tier 1 as Tier 1 capital less non-common 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 ratio and Common Equity Tier 1 ratio, in addition to other 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. Ally believes the Tier 1 Common ratio and Common Equity Tier 1 ratio are important because 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.

(3) 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.

1Q 2015 Preliminary Results 16

ALLY FINANCIAL INC. LIQUIDITY

($ in billions)

	3/31/2015					12/31/2014					3/31/2014
Available Liquidity	Parent (1)		Ally Bank			Parent (1)		Ally Bank			Parent (1)		Ally Bank
Cash and cash equivalents (2)	$	3.0	$	4.0		$	2.7	$	2.3		$	2.9	$	2.5
Highly liquid securities (3)		2.1		5.7			2.1		5.8			2.2		5.9
Current committed unused capacity		2.9		1.5			3.4		0.3			4.6		1.0
Subtotal	$	8.0	$	11.2		$	8.2	$	8.4		$	9.7	$	9.4
Ally Bank intercompany loan (4)		0.7		(0.7	)		0.6		(0.6	)		0.5		(0.5	)
Total Current Available Liquidity	$	8.7	$	10.5		$	8.8	$	7.8		$	10.2	$	8.9
Unsecured Long-Term Debt Maturity Profile		2015		2016			2017		2018			2019		2020 and After
Consolidated remaining maturities	$	2.7	$	1.9		$	4.4	$	1.9		$	1.6	$	10.2

(1) Parent company liquidity is defined as our consolidated operations less Ally Bank and the regulated subsidiaries of Ally Insurance's holding company

(2) May include the restricted cash accumulation for retained notes maturing within the following 30 days and returned to Ally on the distribution date

(3) Includes UST, Agency debt and Agency MBS

(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

1Q 2015 Preliminary Results 17

ALLY FINANCIAL INC. DEPOSITS

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Key Statistics		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Average retail CD maturity (months)		31.6			31.6			31.3			31.1			31.2			-			0.4
Average retail deposit rate		1.17	%		1.16	%		1.16	%		1.17	%		1.19	%
Ally Financial Deposits Levels
Ally Bank retail	$	50,633		$	47,954		$	46,718		$	45,934		$	45,193		$	2,679		$	5,440
Ally Bank brokered		9,853			9,885			9,692			9,684			9,683			(32	)		170
Other		389			384			441			473			491			6			(102	)
Total deposits	$	60,875		$	58,222		$	56,851		$	56,091		$	55,367		$	2,653		$	5,508
Ally Bank Deposit Mix
Retail CD		37.9	%		40.1	%		41.4	%		42.5	%		43.1	%
MMA/OSA/Checking		45.8	%		42.8	%		41.5	%		40.1	%		39.2	%
Brokered		16.3	%		17.1	%		17.2	%		17.4	%		17.7	%

1Q 2015 Preliminary Results 18

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

($ in billions)

		HISTORICAL QUARTERLY TRENDS
Loan Value		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14
Gross carry value	$	7.7		$	7.5		$	7.6		$	7.8		$	8.1
Net carry value	$	7.5		$	7.3		$	7.3		$	7.5		$	7.8
Estimated Pool Characteristics
Ongoing (post 1/1/2009)		50.9	%		46.9	%		38.7	%		38.7	%		39.1	%
Legacy (pre 1/1/2009)		49.1	%		53.1	%		61.3	%		61.3	%		60.9	%
% Second lien		9.8	%		10.5	%		10.8	%		11.0	%		11.1	%
% Interest only		11.1	%		12.5	%		13.4	%		13.5	%		13.5	%
% 30+ Day delinquent (1)		2.8	%		3.0	%		3.8	%		2.7	%		2.5	%
% Low/No documentation		11.1	%		12.1	%		14.3	%		14.2	%		14.1	%
% Non-primary residence		3.8	%		3.7	%		3.8	%		3.8	%		3.7	%
Refreshed FICO		748			734			726			726			727
Wtd. Avg. LTV/CLTV (2)		68.6	%		71.5	%		73.1	%		76.6	%		77.8	%
Higher risk geographies (3)		41.5	%		41.1	%		40.5	%		40.4	%		40.5	%

(1) 3Q14 delinquency rates temporarily impacted by sub-servicing transfer

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

(3) Includes CA, FL, MI and AZ

1Q 2015 Preliminary Results 19

ALLY FINANCIAL INC. DISCONTINUED OPERATIONS

($ in millions)

		QUARTERLY TRENDS												CHANGE VS.
Impact of Discontinued Operations(1)		1Q 15		4Q 14		3Q 14			2Q 14		1Q 14			4Q 14			1Q 14
Auto Finance	$	454	$	23	$	29		$	22	$	28		$	431		$	425
Insurance		0		0		6			1		(0	)		-			0
Corporate and Other		6		6		16			25		(1	)		0			7
Consolidated pretax income	$	460	$	29	$	51		$	48	$	27		$	431		$	432
Tax expense (benefit)		63		2		(78	)		7		(1	)		61			64
Consolidated net income	$	397	$	26	$	130		$	40	$	29		$	371		$	368
Assets of discontinued operations held-for-sale	$	-	$	634	$	603		$	574	$	541		$	(634	)	$	(541	)

(1) Disc ops activity reflects several actions including divestitures of international businesses and other mortgage related charges in addition to certain discrete tax items 

1Q 2015 Preliminary Results 20

ALLY FINANCIAL INC. PER SHARE-RELATED INFORMATION

($ in millions, shares in thousands)

		QUARTERLY TRENDS										CHANGE VS.
Earnings Per Share Data		1Q 15		4Q 14		3Q 14		2Q 14		1Q 14		4Q 14			1Q 14
Net income (loss)	$	576	$	177	$	423	$	323	$	227	$	399		$	349
less:  Preferred stock dividends		67		68		67		65		68		(1	)		(1	)
Net income (loss) available to common shareholders	$	509	$	109	$	356	$	258	$	159	$	400		$	350
Weighted-average shares outstanding - basic (1)		482,248		481,861		481,611		481,350		479,768		386			2,480
Weighted-average shares outstanding - diluted (1)		482,782		483,091		482,506		482,343		479,768		(309	)		3,014
Net income (loss) per share - basic (1)	$	1.06	$	0.23	$	0.74	$	0.54	$	0.33	$	0.83		$	0.72
Net income (loss) per share - diluted (1)	$	1.06	$	0.23	$	0.74	$	0.54	$	0.33	$	0.83		$	0.72

(1) Includes shares related to share-based compensation that have vested but not yet been issued as of March 31, 2015, December 31, 2014, September 30,2014 and June 30, 2014

1Q 2015 Preliminary Results 21

ALLY FINANCIAL INC. SUPPLEMENTAL FINANCIAL DATA

($ in millions)

		QUARTERLY TRENDS															CHANGE VS.
Core ROTCE Calculation		1Q 15			4Q 14			3Q 14			2Q 14			1Q 14			4Q 14			1Q 14
Pre-tax income (loss) from continuing operations	$	282		$	187		$	420		$	347		$	292		$	95		$	(10	)
add:  Core original issue discount expense		17			42			47			53			44			(25	)		(27	)
Repositioning items		190			167			-			16			3			23			187
Core pre-tax income (ex. repositioning)	$	490		$	396		$	467		$	417		$	339		$	93		$	151
Normalized income tax expense at 34%		166			135			159			142			115			32			51
Core net income		323			262			308			275			224			62			99
Preferred dividends (Series A & G)		67			68			67			65			68			(1	)		(1	)
Operating net income available to common shareholders (1)	$	256		$	194		$	241		$	210		$	156		$	63		$	101
Tangible common equity (2)	$	14,384		$	14,012		$	13,752		$	13,386		$	13,060		$	372		$	1,324
less: Unamortized core original issue discount		1,345			1,369			1,411			1,461			1,510			(24	)		(165	)
Net deferred tax asset		1,725			1,800			1,806			1,872			1,979			(75	)		(253	)
Normalized common equity (1)(3)	$	11,314		$	10,843		$	10,534		$	10,053		$	9,571		$	471		$	1,743
Core ROTCE (1)		9.1	%		7.1	%		9.1	%		8.4	%		6.5	%
Adjusted Efficiency Ratio Calculation
Total noninterest expense	$	695		$	672		$	742		$	821		$	713		$	23		$	(18	)
less: Rep and warrant expense		-			(11	)		-			0			1			11			(1	)
Insurance expense		202			203			243			329			213			(1	)		(11	)
Repositioning items		-			19			-			16			3			(19	)		(3	)
Numerator	$	493		$	461		$	499		$	475		$	496		$	32		$	(3	)
Total net revenue	$	1,093		$	1,014		$	1,264		$	1,231		$	1,142		$	79		$	(49	)
add:  Original issue discount		17			42			47			53			44			(25	)		(27	)
Repositioning		190			148			-			-			-			42			190
less:  Insurance revenue		280			289			303			306			287			(9	)		(7	)
Denominator	$	1,021		$	916		$	1,008		$	978		$	899		$	105		$	122
Adjusted Efficiency Ratio (1)		48	%		50	%		49	%		49	%		55	%
Noninterest Expense
Compensation and benefits	$	255		$	237		$	241		$	216		$	254		$	18		$	1
Technology and communications		69			79			77			93			85			(11	)		(16	)
Professional services		20			26			21			25			28			(6	)		(8	)
Servicing expenses (4)		48			52			54			53			46			(4	)		1
Advertising and marketing		31			30			27			25			29			1			2
Other controllable expenses (5)		47			52			50			47			45			(6	)		2
Controllable Expense	$	469		$	478		$	469		$	458		$	487		$	(8	)	$	(18	)
Other Noninterest Expense		226			176			273			347			223			50			3
Total Noninterest Expense (ex. repositioning)	$	695		$	653		$	742		$	805		$	710		$	42		$	(15	)
Repositioning expenses		-			19			-			16			3			(19	)		(3	)
Total Noninterest Expense	$	695		$	672		$	742		$	821		$	713		$	23		$	(18	)

(1) Represents a non-GAAP financial measure

(2) See page 16 for details

(3) Normalized common equity calculated using 2 period average

(4) Includes lease and loan administration expenses and vehicle remarketing and repossession expenses

(5) Includes occupancy and premises and equipment depreciation

1Q 2015 Preliminary Results 22