Exhibit 99.3

FIRST QUARTER 2017

FINANCIAL SUPPLEMENT

ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION

This document and related communications should be read in conjunction with the financial statements, notes, and other information contained in our 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 and third-party data available at the time of the presentation or related communication.

This document and related communications contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts—such as our statements about targets and expectations for various financial and operating metrics. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “outlook,” “forecast,” “potential,” “target,” “objective,” “trend,” “plan,” “goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual future objectives, strategies, plans, prospects, performance, conditions, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events or circumstances to differ from those in forward-looking statements are described in our Annual Report on Form 10-K for the year ended December 31, 2016, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (collectively, our “SEC filings”). Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent SEC filings.

This document and related communications contain specifically identified non-GAAP financial measures, which supplement the results that are reported according to generally accepted accounting principles (“GAAP”). These non-GAAP financial measures may be useful to investors but should not be viewed in isolation from, or as a substitute for, GAAP results. Differences between non-GAAP financial measures and comparable GAAP financial measures are reconciled in the presentation.

Our use of the term “loans” describes all of the products associated with our direct and indirect lending activities. The specific products include loans, retail installment sales contracts, lines of credit, leases, and other financing products. The term “lend” or “originate” refers to our direct origination of loans or our purchase or acquisition of loans.

1Q 2017 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 Finance		12
Corporate Finance		13
Corporate and Other		14
Credit Related Information		15-16
Supplemental Detail
Capital		17
Liquidity		18
Net Interest Margin and Deposits		19
Ally Bank Consumer Mortgage HFI Portfolio		20
Earnings Per Share Related Information		21
Adjusted Tangible Book Per Share Related Information		22
Core ROTCE Related Information		23
Adjusted Efficiency Ratio Related Information		24

1Q 2017 Preliminary Results 3

ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS

($ in millions, shares in thousands)

	QUARTERLY TRENDS															CHANGE VS.
Selected Income Statement Data	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Net financing revenue (ex. OID) (1)	$	995		$	991		$	1,011		$	998		$	964		$	4		$	32
OID amortization expense (2)		(16	)		(15	)		(15	)		(14	)		(13	)		(1	)		(4	)
Net financing revenue (as reported)		979			976			996			984			951			3			28
Total other revenue		396			392			388			374			376			4			20
Total net revenue		1,375			1,368			1,384			1,358			1,327			7			48
Provision for loan losses		271			267			258			172			220			4			51
Total Noninterest Expense (3)		778			721			735			773			710			57			68
Pre-tax income from continuing operations		326			380			391			413			397			(54	)		(71	)
Income tax expense		113			134			130			56			150			(21	)		(37	)
Income / (Loss) from discontinued operations, net of tax		1			2			(52	)		3			3			(1	)		(2	)
Net income		214			248			209			360			250			(34	)		(36	)
Preferred dividends		-			-			-			15			15			-			(15	)
Net income available to common	$	214		$	248		$	209		$	345		$	235		$	(34	)	$	(21	)
Selected Balance Sheet Data (Period-End)
Total assets	$	162,101		$	163,728		$	157,397		$	157,931		$	156,505		$	(1,627	)	$	5,596
Consumer loans		76,600			76,843			75,673			74,365			73,688			(243	)		2,912
Commercial loans		42,402			42,101			39,286			38,288			37,188			301			5,214
Allowance for loan losses		(1,155	)		(1,144	)		(1,134	)		(1,089	)		(1,077	)		(11	)		(78	)
Deposits		84,486			79,022			75,744			72,802			70,265			5,464			14,221
Common equity (4)		13,365			13,317			13,630			13,611			13,127			48			238
Total equity		13,365			13,317			13,630			13,611			13,823			48			(458	)
Common Share Count
Weighted average basic (5)		465,961			472,502			482,393			485,370			484,233			(6,541	)		(18,272	)
Weighted average diluted (5)		466,829			474,505			483,575			486,074			484,654			(7,675	)		(17,825	)
Issued shares outstanding (period-end)		462,193			467,000			475,470			483,753			483,475			(4,807	)		(21,282	)
Per Common Share Data
Earnings per share (basic) (5)	$	0.46		$	0.53		$	0.43		$	0.71		$	0.49		$	(0.07	)	$	(0.03	)
Earnings per share (diluted) (5)		0.46			0.52			0.43			0.71			0.49			(0.06	)		(0.03	)
Adjusted earnings per share (6)		0.48			0.54			0.56			0.54			0.52			(0.06	)		(0.04	)
Book value per share		28.9			28.5			28.7			28.1			28.6			0.4			0.3
Tangible book value per share (7)		28.3			27.9			28.0			27.6			27.1			0.4			1.2
Adjusted tangible book value per share (7)		26.6			26.2			26.3			25.9			25.4			0.4			1.2
Select Financial Ratios
Net interest margin (as reported)		2.60%			2.56%			2.69%			2.68%			2.59%
Net interest margin (ex. OID) (8)		2.64%			2.60%			2.73%			2.72%			2.63%
Cost of funds (incl. OID) (8)		1.94%			1.90%			1.89%			1.90%			1.88%
Cost of funds (ex. OID) (8)		1.87%			1.84%			1.83%			1.84%			1.82%
Efficiency Ratio (8)		56.6%			52.7%			53.1%			56.9%			53.5%
Adjusted efficiency ratio (8)(9)		48.5%			46.4%			45.9%			43.7%			45.4%
Return on average assets (10)		0.5%			0.6%			0.5%			0.9%			0.6%
Return on average total equity (10)		6.4%			7.4%			6.1%			10.4%			7.3%
Return on average tangible common equity (8)(10)		6.6%			7.5%			6.3%			10.4%			7.3%
Core ROTCE (8)(10)(11)		8.2%			9.4%			9.8%			9.7%			9.8%
Capital Ratios (12)
Common Equity Tier 1 (CET1) capital ratio (13)		9.4%			9.4%			9.5%			9.6%			9.5%
Tier 1 capital ratio		11.1%			10.9%			11.1%			11.2%			11.6%
Total capital ratio		12.7%			12.6%			12.8%			12.8%			13.0%

(1) Represents a non-GAAP financial measure. Excludes original issue discount expense (OID).

(2) OID is primarily related to bond exchange OID (excludes international operations and future issuances)

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

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

(5) Includes shares related to share-based compensation that vested but were not yet issued

(6) Represents a non-GAAP financial measure. For more details refer to page 21

(7) Represents a non-GAAP financial measure. For more details refer to page 22

(8) Represents a non-GAAP financial measure.

(9) Represents a non-GAAP financial measure. For more details refer to page 24

(10) Return metrics are annualized.

(11) Return metrics are annualized. For more details refer to page 23

(12) 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

(13) Common Equity Tier 1 capital ratio is a non-GAAP measurement. Refer to page 17 for additional details

1Q 2017 Preliminary Results 4

ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT

($ in millions)

	QUARTERLY TRENDS														CHANGE VS.
	1Q 17			4Q 16			3Q 16			2Q 16		1Q 16			4Q 16			1Q 16
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$	1,368		$	1,355		$	1,307		$	1,265	$	1,235		$	13		$	133
Interest on loans held-for-sale		-			-			-			-		-			-			-
Total interest and dividends on investment securities		126			109			101			99		102			17			24
Interest-bearing cash		5			4			3			4		3			1			2
Other Earning Assets		8			7			-			-		-			1			8
Operating leases		543			592			649			701		769			(49	)		(226	)
Total financing revenue and other interest income		2,050			2,067			2,060			2,069		2,109			(17	)		(59	)
Interest expense
Interest on deposits		231			222			212			203		193			9			38
Interest on short-term borrowings		27			18			14			12		13			9			14
Interest on long-term debt		424			434			430			436		442			(10	)		(18	)
Total interest expense		682			674			656			651		648			8			34
Depreciation expense on operating lease assets		389			417			408			434		510			(28	)		(121	)
Net financing revenue (as reported)	$	979		$	976		$	996		$	984	$	951		$	3		$	28
Other revenue
Servicing fees		16			15			17			18		13			1			3
Insurance premiums and service revenue earned		241			241			238			236		230			0			11
Gain on mortgage and automotive loans, net		14			7			-			3		1			7			13
Loss on extinguishment of debt		(1	)		(1	)		-			-		(4	)		(0	)		3
Other gain on investments, net		27			39			52			39		54			(12	)		(27	)
Other income, net of losses		99			91			81			77		82			8			17
Total other revenue		396			392			388			374		376			4			20
Total net revenue		1,375			1,368			1,384			1,358		1,327			7			48
Provision for loan losses		271			267			258			172		220			4			51
Noninterest expense
Compensation and benefits expense		285			250			248			242		252			35			33
Insurance losses and loss adjustment expenses		88			55			69			145		73			33			15
Other operating expenses		405			416			418			386		385			(11	)		20
Total noninterest expense		778			721			735			773		710			57			68
Pre-tax income from continuing operations	$	326		$	380		$	391		$	413	$	397		$	(54	)	$	(71	)
Income tax expense from continuing operations		113			134			130			56		150			(21	)		(37	)
Net income from continuing operations		213			246			261			357		247			(33	)		(34	)
Income / (Loss) from discontinued operations, net of tax		1			2			(52	)		3		3			(1	)		(2	)
Net income	$	214		$	248		$	209		$	360	$	250		$	(34	)	$	(36	)
Core Pre-Tax Income Walk
Net financing revenue (ex. OID) (1)	$	995		$	991		$	1,011		$	998	$	964		$	4		$	32
Total other revenue (ex. OID) (2)		396			392			388			374		380			4			16
Provision for loan losses		271			267			258			172		220			4			51
Total Noninterest Expense		778			721			735			769		706			57			72
Core pre-tax income	$	342		$	395		$	406		$	431	$	419		$	(53	)	$	(76	)
less: Repositioning items (3)		-			-			-			4		7			-			(7	)
less: OID amortization expense		16			15			15			14		15			1			2
Pre-tax income from continuing operations	$	326		$	380		$	391		$	413	$	397		$	(54	)	$	(71	)

(1) Represents a non-GAAP financial measure. Excludes OID

(2) Represents a non-GAAP financial measure. Excludes accelerated OID primarily related to the extinguishment of high-cost legacy debt of $2 million in 1Q 2016

(3) Excludes Repositioning items. Repositioning items are primarily related to the extinguishment of high-cost legacy debt and other strategic activities.

1Q 2017 Preliminary Results 5

ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	3/31/2017			12/31/2016			9/30/2016			6/30/2016			3/31/2016			12/31/2016			3/31/2016
Assets
Cash and cash equivalents
Noninterest-bearing	$	1,513		$	1,547		$	1,779		$	1,790		$	1,906		$	(34	)	$	(393	)
Interest-bearing		2,789			4,387			2,510			3,941			3,095			(1,598	)		(306	)
Total cash and cash equivalents		4,302			5,934			4,289			5,731			5,001			(1,632	)		(699	)
Investment securities (1)		21,412			19,765			18,350			18,768			18,298			1,647			3,114
Loans held-for-sale, net		1			-			56			15			39			1			(38	)
Finance receivables and loans, net
Finance receivables and loans, net		119,002			118,944			114,959			112,653			110,876			58			8,126
Allowance for loan losses		(1,155	)		(1,144	)		(1,134	)		(1,089	)		(1,077	)		(11	)		(78	)
Total finance receivables and loans, net		117,847			117,800			113,825			111,564			109,799			47			8,048
Investment in operating leases, net		10,461			11,470			12,689			13,755			14,958			(1,009	)		(4,497	)
Premiums receivables and other insurance assets		1,944			1,905			1,881			1,844			1,828			39			116
Other assets		6,134			6,854			6,307			6,254			6,582			(720	)		(448	)
Total assets	$	162,101		$	163,728		$	157,397		$	157,931		$	156,505		$	(1,627	)	$	5,596
Liabilities
Deposit liabilities
Noninterest-bearing	$	102		$	84		$	101		$	94		$	92		$	18		$	10
Interest-bearing		84,384			78,938			75,643			72,708			70,173			5,446			14,211
Total deposit liabilities		84,486			79,022			75,744			72,802			70,265			5,464			14,221
Short-term borrowings		8,371			12,673			6,434			5,994			5,365			(4,302	)		3,006
Long-term debt		51,061			54,128			56,836			61,040			62,044			(3,067	)		(10,983	)
Interest payable		382			351			462			427			374			31			8
Unearned insurance premiums and service revenue		2,514			2,500			2,493			2,465			2,449			14			65
Accrued expense and other liabilities		1,922			1,737			1,798			1,592			2,185			185			(263	)
Total liabilities	$	148,736		$	150,411		$	143,767		$	144,320		$	142,682		$	(1,675	)	$	6,054
Equity
Common stock and paid-in capital (2)	$	20,661		$	20,809		$	20,960		$	21,106		$	21,087		$	(148	)	$	(426	)
Preferred stock		-			-			-			-			696			-			(696	)
Accumulated deficit		(6,975	)		(7,151	)		(7,361	)		(7,530	)		(7,875	)		176			900
Accumulated other comprehensive (loss) income		(321	)		(341	)		31			35			(85	)		20			(236	)
Total equity		13,365			13,317			13,630			13,611			13,823			48			(458	)
Total liabilities and equity	$	162,101		$	163,728		$	157,397		$	157,931		$	156,505		$	(1,627	)	$	5,596

(1) Includes held-to-maturity securities

(2) Includes Treasury stock

1Q 2017 Preliminary Results 6

ALLY FINANCIAL INC. CONSOLIDATED AVERAGE BALANCE SHEET ⁽¹⁾

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Assets
Interest-bearing cash and cash equivalents	$	2,674		$	2,556		$	2,530		$	2,708		$	2,867		$	118		$	(193	)
Federal funds sold and securities purchased under resale agreements		-			-			-			2			-			-			-
Investment securities		21,298			20,143			18,139			18,190			17,594			1,155			3,704
Loans held-for-sale, net		-			-			1			-			35			-			(35	)
Total finance receivables and loans, net (2)		117,974			116,769			113,294			112,158			111,525			1,205			6,449
Investment in operating leases, net		10,931			12,099			13,232			14,392			15,638			(1,168	)		(4,707	)
Total interest earning assets		152,877			151,567			147,196			147,450			147,659			1,310			5,218
Noninterest-bearing cash and cash equivalents		1,100			1,124			1,369			1,339			1,841			(24	)		(741	)
Other assets		8,013			8,039			8,764			8,755			8,929			(26	)		(916	)
Allowance for loan losses		(1,145	)		(1,139	)		(1,103	)		(1,088	)		(1,060	)		(6	)		(85	)
Total assets	$	160,845		$	159,591		$	156,226		$	156,456		$	157,369		$	1,254		$	3,476
Liabilities
Interest-bearing deposit liabilities	$	82,160		$	76,950		$	74,166		$	71,479		$	68,148		$	5,210		$	14,012
Short-term borrowings		8,223			8,353			5,194			5,535			5,609			(130	)		2,614
Long-term debt (3)		52,549			55,916			58,425			60,758			64,841			(3,367	)		(12,292	)
Total interest-bearing liabilities (3)		142,932			141,219			137,785			137,772			138,598			1,713			4,334
Noninterest-bearing deposit liabilities		93			96			97			91			92			(3	)		1
Other liabilities		4,383			4,442			4,674			4,948			5,053			(59	)		(670	)
Total liabilities	$	147,408		$	145,757		$	142,556		$	142,811		$	143,743		$	1,651		$	3,665
Equity
Total equity	$	13,437		$	13,834		$	13,670		$	13,645		$	13,626		$	(397	)	$	(189	)
Total liabilities and equity	$	160,845		$	159,591		$	156,226		$	156,456		$	157,369		$	1,254		$	3,476

(1) Average balances are calculated using a combination of monthly and daily average methodologies. Periods prior to 4Q 16 may not tie to previous Financial Supplement disclosures due to the current methodology which includes equity investment     

security balances within investment securities, previously included within other assets                     

(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) QTD: includes OID average of $1,240 million in 1Q17, $1,256 million in 4Q16, $1,272 million in 3Q16, $1,286 million in 2Q16 and $1,298 million in 1Q16

1Q 2017 Preliminary Results 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Automotive Finance	$	288		$	298		$	319		$	426		$	337		$	(10	)	$	(49	)
Insurance		40			69			56			(18	)		50			(29	)		(10	)
Dealer Financial Services		328			367			375			408			387			(39	)		(59	)
Mortgage Finance		9			15			8			9			2			(6	)		7
Corporate Finance		25			31			15			14			11			(6	)		14
Corporate and Other (1)		(36	)		(33	)		(7	)		(18	)		(3	)		(3	)		(33	)
Pre-tax income from continuing operations	$	326		$	380		$	391		$	413		$	397		$	(54	)	$	(71	)
OID amortization expense (2)		16			15			15			14			15			1			2
Repositioning items (2)(3)		-			-			-			4			7			-			(7	)
Core pre-tax income (4)	$	342		$	395		$	406		$	431		$	419		$	(53	)	$	(76	)

(1) Corporate and Other primarily consists of activity related to centralized corporate treasury activities such as management of the cash and corporate investment securities and loan 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, and the residual impacts of our corporate FTP and treasury ALM activities. Corporate and Other also includes certain equity investments, the management of our legacy mortgage portfolio, and reclassifications and eliminations between the reportable operating segments. Subsequent to June 1, 2016, TradeKing activity included within the Corporate & Other segment.

(2) OID amortization expense and repositioning items for all periods shown is applied to the pre-tax income of the Corporate and Other segment. Includes accelerated OID expense of $2 million in 1Q 2016.

(3) Repositioning items are primarily related to the extinguishment of high-cost legacy debt and strategic activities

(4) Core pre-tax income is a non-GAAP financial measure that adjusts pre-tax income from continuing operations by excluding (1) original issue discount (OID) amortization expense and (2) repositioning items primarily related to the extinguishment of high-cost legacy debt and strategic activities. Management believes core pre-tax income can help the reader better understand the operating performance of the core businesses and their ability to generate

earnings.

1Q 2017 Preliminary Results 8

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Net financing revenue
Consumer	$	924		$	933		$	911		$	877		$	866		$	(9	)	$	58
Commercial		304			287			267			262			252			17			52
Loans held-for-sale		-			-			-			-			-			-			-
Operating leases		543			592			649			701			769			(49	)		(226	)
Other interest income		2			3			3			2			3			(1	)		(1	)
Total financing revenue and other interest income		1,773			1,815			1,830			1,842			1,890			(42	)		(117	)
Interest expense		492			491			489			479			484			1			8
Depreciation expense on operating lease assets:
Depreciation expense on operating lease assets (ex. remarketing)		385			427			470			520			565			(42	)		(180	)
Remarketing losses (gains)		3			(10	)		(62	)		(86	)		(55	)		13			58
Total depreciation expense on operating lease assets		389			417			408			434			510			(28	)		(121	)
Net financing revenue		892			907			933			929			896			(15	)		(4	)
Other revenue
Servicing fees		16			15			17			18			13			1			3
Gain/(loss) on automotive loans, net		24			7			-			5			5			17			19
Other income		61			56			58			53			59			5			2
Total other revenue		101			78			74			77			77			23			24
Total net revenue		993			985			1,007			1,006			973			8			20
Provision for loan losses		268			275			270			170			209			(7	)		59
Noninterest expense
Compensation and benefits		129			118			119			118			126			11			3
Other operating expenses		308			294			299			292			301			14			7
Total noninterest expense		437			412			418			410			427			25			10
Income before income tax expense	$	288		$	298		$	319		$	426		$	337		$	(10	)	$	(49	)
Memo: Net lease revenue
Operating lease revenue	$	543		$	592		$	649		$	701		$	769		$	(49	)	$	(226	)
Depreciation expense on operating lease assets (ex. remarketing)		385			427			470			520			565			(42	)		(180	)
Remarketing losses (gains)		3			(10	)		(62	)		(86	)		(55	)		13			59
Total depreciation expense on operating lease assets		389			417			408			434			510			(28	)		(121	)
Net lease revenue	$	154		$	175		$	241		$	267		$	259		$	(21	)	$	(105	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	30		$	30		$	30		$	30		$	31		$	-		$	(1	)
Finance receivables and loans, net:
Consumer loans		65,629			65,750			64,750			63,193			62,926			(121	)		2,703
Commercial loans (1)		38,903			38,853			36,043			35,258			34,348			50			4,555
Allowance for loan losses		(999	)		(989	)		(969	)		(919	)		(905	)		(10	)		(94	)
Total finance receivables and loans, net		103,533			103,614			99,824			97,532			96,369			(81	)		7,164
Investment in operating leases, net		10,461			11,470			12,689			13,755			14,958			(1,009	)		(4,497	)
Other assets		1,130			1,233			1,126			1,039			931			(103	)		199
Total assets	$	115,154		$	116,347		$	113,669		$	112,356		$	112,289		$	(1,193	)	$	2,865

(1) Includes intercompany

1Q 2017 Preliminary Results 9

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS

	QUARTERLY TRENDS											CHANGE VS.
	1Q 17			4Q 16		3Q 16		2Q 16		1Q 16		4Q 16			1Q 16
U.S. Consumer Originations (1) ($ in billions)
Retail standard - new vehicle GM	$	1.5		$	1.9	$	2.0	$	1.9	$	1.9	$	(0.4	)	$	(0.4	)
Retail standard - new vehicle Chrysler		1.0			1.1		1.2		1.2		1.0		(0.0	)		0.0
Retail standard - new vehicle Growth		1.2			1.2		1.3		1.3		1.2		0.1			0.0
Used vehicle		4.2			3.4		3.8		4.0		4.1		0.8			0.1
Lease		0.9			0.7		1.0		0.9		0.8		0.2			0.1
Retail subvented		0.0			0.0		0.1		0.1		0.1		(0.0	)		(0.0	)
Total originations	$	8.9		$	8.2	$	9.3	$	9.4	$	9.0	$	0.6		$	(0.2	)
U.S. Consumer Originations - FICO Score
Super Prime (CB 740+)	$	2.2		$	2.2	$	2.3	$	2.1	$	2.0	$	0.0		$	0.2
Prime (CB 739-660)		3.1			2.9		3.4		3.5		3.2		0.2			(0.1	)
Prime/Near (CB 659-620)		2.1			1.9		2.2		2.3		2.2		0.2			(0.1	)
Non Prime (CB 619-540)		0.8			0.7		0.9		0.9		1.0		0.2			(0.1	)
Sub Prime (CB 539-0)		0.1			0.1		0.1		0.1		0.1		0.0			(0.0	)
Unscored (2)		0.5			0.5		0.5		0.5		0.5		(0.0	)		0.0
Total originations	$	8.9		$	8.2	$	9.3	$	9.4	$	9.0	$	0.6		$	(0.2	)
U.S. Market
Light vehicle sales (SAAR - units in millions)		17.2			18.0		17.5		17.1		17.3		(0.8	)		(0.1	)
Light vehicle sales (quarterly - units in millions)		4.0			4.4		4.5		4.5		4.1		(0.4	)		(0.1	)
GM market share		17.2%			18.8%		17.4%		16.7%		16.8%
Chrysler market share		12.7%			12.0%		12.8%		13.3%		13.5%
U.S. Consumer Penetration
GM		7.4%			8.5%		8.8%		9.1%		9.3%
Chrysler		13.4%			14.0%		14.8%		13.8%		12.5%
U.S. Commercial Outstandings EOP ($ in billions)
Floorplan outstandings, net	$	33.2		$	33.3	$	30.7	$	30.0	$	29.2	$	(0.2	)	$	3.9
Dealer loans and other		5.8			5.5		5.4		5.2		5.1		0.2			0.6
Total Commercial outstandings	$	38.9		$	38.9	$	36.0	$	35.3	$	34.3	$	0.1		$	4.6
U.S. Off-Lease Remarketing
Off-lease vehicles terminated - On-balance sheet (# in units)		77,761			71,737		80,999		76,001		78,820		6,024			(1,059	)
Average (loss) / gain per vehicle	$	(45	)	$	135	$	767	$	1,126	$	700	$	(180	)	$	(745	)
Total (loss) / gains ($ in millions)	$	(3	)	$	10	$	62	$	86	$	55	$	(13	)	$	(59	)

(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) Unscored are primarily Commercial Services Group (“CSG”)

1Q 2017 Preliminary Results 10

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

($ in millions)

	QUARTERLY TRENDS											CHANGE VS.
Income Statement (GAAP View)	1Q 17		4Q 16		3Q 16		2Q 16			1Q 16		4Q 16			1Q 16
Net financing revenue
Interest and dividends on investment securities	$	25	$	26	$	24	$	25		$	24	$	(1	)	$	1
Interest bearing cash		1		2		2		3			2		(1	)		(1	)
Total financing revenue and other interest revenue		26		28		26		28			26		(2	)		-
Interest expense		11		11		12		12			12		-			(1	)
Net financing revenue		15		17		14		16			14		(2	)		1
Other revenue
Insurance premiums and service revenue earned		241		241		238		236			230		-			11
Other gain/(loss) on investments, net		21		17		24		21			22		4			(1	)
Other income, net of losses		2		1		2		2			2		1			-
Total other revenue		264		259		264		259			254		5			10
Total net revenue		279		276		278		275			268		3			11
Noninterest expense
Compensation and benefits expense		19		17		16		17			18		2			1
Insurance losses and loss adjustment expenses		88		55		69		145			73		33			15
Other operating expenses		132		135		137		131			127		(3	)		5
Total noninterest expense		239		207		222		293			218		32			21
Income (loss) from cont. ops before income tax expense	$	40	$	69	$	56	$	(18	)	$	50	$	(29	)	$	(10	)
Memo: Income Statement (Managerial View)
Insurance premiums and other income
Insurance premiums and service revenue earned	$	241	$	241	$	238	$	236		$	230	$	0		$	11
Investment income		35		32		36		34			34		3			1
Other income		3		3		4		5			4		(0	)		(1	)
Total insurance premiums and other income		279		276		278		275			268		3			11
Expense
Insurance losses and loss adjustment expenses		88		55		69		145			73		33			15
Acquisition and underwriting expenses
Compensation and benefit expense		19		17		16		17			18		2			1
Insurance commission expense		99		98		99		97			94		1			5
Other expense		33		37		38		34			33		(4	)		(0	)
Total acquisition and underwriting expense		151		152		153		148			145		(1	)		6
Total expense		239		207		222		293			218		32			21
Income (loss) from cont. ops before income tax expense	$	40	$	69	$	56	$	(18	)	$	50	$	(29	)	$	(10	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	5,048	$	5,033	$	5,155	$	5,140		$	5,141	$	15		$	(93	)
Premiums receivable and other insurance assets		1,959		1,920		1,894		1,856			1,840		39			119
Other assets		223		219		210		197			213		4			10
Total assets	$	7,230	$	7,172	$	7,259	$	7,193		$	7,194	$	58		$	36
Key Statistics (Continuing Operations)
Total written premiums and revenue	$	240	$	237	$	252	$	237		$	222	$	3		$	18
Loss ratio		35.9%		22.6%		28.8%		60.9%			31.5%
Underwriting expense ratio		62.2%		62.7%		63.8%		61.9%			62.5%
Combined ratio		98.1%		85.3%		92.5%		122.8%			94.0%

1Q 2017 Preliminary Results 11

ALLY FINANCIAL INC. MORTGAGE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Net financing revenue
Total financing revenue and other interest income	$	71		$	65		$	64		$	64		$	57		$	6		$	14
Interest expense		37			39			39			38			37			(2	)		-
Net financing revenue		34			26			25			26			20			8			14
Total net revenue		34			26			25			26			20			8			14
Provision for loan losses		1			(8	)		1			-			3			9			(2	)
Noninterest expense
Compensation and benefits expense		5			3			4			3			3			2			2
Other operating expense		19			16			12			14			12			3			7
Total noninterest expense		24			19			16			17			15			5			9
Income from cont. ops before income tax expense	$	9		$	15		$	8		$	9		$	2		$	(6	)	$	7
Balance Sheet (Period-End)
Finance receivables and loans, net:
Consumer loans	$	8,331		$	8,294		$	7,931		$	8,009		$	7,443		$	37		$	888
Allowance for loan losses		(11	)		(11	)		(19	)		(18	)		(18	)		-			7
Total finance receivables and loans, net		8,320			8,283			7,912			7,991			7,425			37			895
Other assets		42			24			21			23			68			18			(26	)
Total assets	$	8,362		$	8,307		$	7,933		$	8,014		$	7,493		$	55		$	869

1Q 2017 Preliminary Results 12

ALLY FINANCIAL INC. CORPORATE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Net financing revenue
Total financing revenue and other interest income	$	54		$	54		$	48		$	46		$	44		$	-		$	10
Interest expense		20			20			18			17			16			-			4
Net financing revenue		34			34			30			29			28			-			6
Other income, net of losses		18			12			4			4			6			6			12
Total net revenue		52			46			34			33			34			6			18
Provision for loan losses		6			(2	)		3			3			6			8			-
Noninterest expense
Compensation and benefits expense		14			9			9			10			10			5			4
Other operating expense		7			8			7			6			7			(1	)		-
Total noninterest expense		21			17			16			16			17			4			4
Income from cont. ops before income tax expense	$	25		$	31		$	15		$	14		$	11		$	(6	)	$	14
Balance Sheet (Period-End)
Loans held for sale	$	-		$	-		$	56		$	15		$	39		$	-		$	(39	)
Commercial loans (1)		3,432			3,180			3,182			2,975			2,795			252			637
Allowance for loan losses		(68	)		(62	)		(62	)		(59	)		(56	)		(6	)		(12	)
Total finance receivables and loans, net		3,364			3,118			3,120			2,916			2,739			246			625
Other assets		74			65			56			58			61			9			13
Total assets	$	3,438		$	3,183		$	3,232		$	2,989		$	2,839		$	255		$	599

(1) Includes intercompany loan activity

1Q 2017 Preliminary Results 13

ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Net financing revenue
Total financing revenue and other interest income	$	126		$	105		$	92		$	89		$	92		$	21		$	34
Interest expense
Original issue discount amortization		16			15			15			14			13			1			4
Other interest expense		106			98			83			91			86			8			19
Total interest expense		122			113			98			105			99			9			23
Net financing revenue (deficit)		4			(8	)		(6	)		(16	)		(7	)		12			11
Other revenue
Loss on extinguishment of debt		(1	)		(1	)		-			-			(4	)		-			3
Other gain on investments, net		6			23			28			18			32			(17	)		(26	)
Other income, net of losses (1)		8			21			18			16			11			(13	)		(3	)
Total other (loss) revenue		13			43			46			34			39			(30	)		(26	)
Total net revenue (deficit)		17			35			40			18			32			(18	)		(15	)
Provision for loan losses		(4	)		2			(16	)		(1	)		2			(6	)		(6	)
Noninterest expense
Compensation and benefits expense		118			103			100			94			95			15			23
Other operating expense (2)		(61	)		(37	)		(37	)		(57	)		(62	)		(24	)		1
Total noninterest expense		57			66			63			37			33			(9	)		24
(Loss) from cont. ops before income tax expense	$	(36	)	$	(33	)	$	(7	)	$	(18	)	$	(3	)	$	(3	)	$	(33	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	20,636		$	20,636		$	17,454		$	19,329		$	18,127		$	-		$	2,509
Finance receivables and loans, net
Consumer loans		2,640			2,799			2,992			3,163			3,319			(159	)		(679	)
Commercial loans (3)		67			68			61			55			45			(1	)		22
Allowance for loan losses		(77	)		(82	)		(84	)		(93	)		(98	)		5			21
Total finance receivables and loans, net		2,630			2,785			2,969			3,125			3,266			(155	)		(636	)
Other assets		4,651			5,298			4,881			4,925			5,297			(647	)		(646	)
Total assets	$	27,917		$	28,719		$	25,304		$	27,379		$	26,690		$	(802	)	$	1,227
OID Amortization Schedule (4)	2017			2018			2019			2020			2021 and After
Remaining Core OID Amortization (as of 3/31/2017)	$	55		$	86		$	27		$	31			Avg = $52/yr

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

(2) Other operating expenses includes corporate overhead allocated to the other business segments. Amounts of corporate overhead allocated were $212 million for 1Q17, $193 million for 4Q16, $190 million for 3Q16, $186 million for 2Q16, and $202 million for 1Q16 The receiving business segment records the allocation of corporate overhead expense within other operating expenses.

(3) Includes intercompany

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

1Q 2017 Preliminary Results 14

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION

($ in millions)

	QUARTERLY TRENDS										CHANGE VS.
Asset Quality - Consolidated (1)	1Q 17		4Q 16		3Q 16		2Q 16		1Q 16		4Q 16		1Q 16
Ending loan balance	$	119,002	$	118,944	$	114,959	$	112,653	$	110,876	$	58	$	8,126
30+ Accruing DPD	$	1,612	$	2,246	$	1,934	$	1,740	$	1,496	$	(634)	$	116
30+ Accruing DPD %		1.35%		1.89%		1.68%		1.54%		1.35%
Non-performing loans (NPLs)	$	798	$	819	$	753	$	734	$	698	$	(21)	$	99
Net charge-offs (NCOs)	$	253	$	257	$	213	$	152	$	179	$	(4)	$	74
Net charge-off rate (2)		0.86%		0.88%		0.75%		0.54%		0.64%
Provision for loan losses	$	271	$	267	$	258	$	172	$	220	$	4	$	51
Allowance for loan losses (ALLL)	$	1,155	$	1,144	$	1,134	$	1,089	$	1,077	$	11	$	78
ALLL as % of Loans (3) (4)		1.0%		1.0%		1.0%		1.0%		1.0%
ALLL as % of NPLs (3)		145%		140%		150%		148%		154%
ALLL as % of NCOs (3)		114%		111%		133%		179%		150%
US Auto Delinquencies - HFI Retail Contract $‘s (5)
Delinquent contract $	$	1,552	$	2,160	$	1,823	$	1,643	$	1,387	$	(608)	$	165
% of retail contract $ outstanding		2.36%		3.28%		2.81%		2.60%		2.20%
U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $‘s
Net charge-offs	$	251	$	255	$	219	$	148	$	173	$	(4)	$	79
% of avg. HFI assets (2)		1.54%		1.56%		1.37%		0.94%		1.08%
U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $‘s
Net charge-offs	$	0	$	1	$	0	$	0	$	0	$	(1)	$	0
% of avg. HFI assets (2)		0.00%		0.01%		0.00%		0.00%		0.00%

(1) Loans within this table are classified as held-for-investment recorded at amortized 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 recievables and loans excluding loans measured at fair value, conditional repurchase loans and loans held-for-sale during the year for each loan category.

(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) Excludes $34 million of fair value adjustment for loans in hedge accounting relationships in 1Q17, $43 million in 4Q16, $66 million in 3Q16, $88 million in 2Q16 and $87 million in 1Q16.

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

1Q 2017 Preliminary Results 15

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED

($ in millions)

CONTINUING OPERATIONS

Automotive Finance (1)	QUARTERLY TRENDS										CHANGE VS.
Consumer	1Q 17		4Q 16		3Q 16		2Q 16		1Q 16		4Q 16			1Q 16
Allowance for loan losses	$	941	$	932	$	912	$	862	$	850	$	9		$	91
Total consumer loans (2)	$	65,663	$	65,793	$	64,816	$	63,281	$	63,013	$	(131	)	$	2,649
Coverage ratio (3)		1.4%		1.4%		1.4%		1.4%		1.3%
Commercial
Allowance for loan losses	$	58	$	57	$	57	$	57	$	55	$	1		$	3
Total commercial loans	$	38,903	$	38,853	$	36,036	$	35,251	$	34,325	$	50		$	4,578
Coverage ratio		0.1%		0.1%		0.2%		0.2%		0.2%
Mortgage (1)
Consumer
Mortgage Finance
Allowance for loan losses	$	11	$	11	$	19	$	18	$	18	$	0		$	(7	)
Total consumer loans	$	8,331	$	8,294	$	7,931	$	8,009	$	7,443	$	38		$	888
Coverage ratio		0.1%		0.1%		0.2%		0.2%		0.2%
Mortgage - Legacy
Allowance for loan losses	$	75	$	80	$	81	$	91	$	97	$	(5	)	$	(22	)
Total consumer loans	$	2,606	$	2,756	$	2,926	$	3,075	$	3,232	$	(150	)	$	(626	)
Coverage ratio		2.9%		2.9%		2.8%		2.9%		3.0%
Total Mortgage
Allowance for loan losses	$	86	$	91	$	100	$	109	$	115	$	(5	)	$	(28	)
Total consumer loans	$	10,937	$	11,050	$	10,857	$	11,084	$	10,675	$	(113	)	$	262
Coverage ratio		0.8%		0.8%		0.9%		1.0%		1.1%
Corporate Finance (1)
Allowance for loan losses	$	68	$	62	$	62	$	59	$	56	$	6		$	12
Total commercial loans	$	3,432	$	3,180	$	3,182	$	2,976	$	2,796	$	253		$	637
Coverage ratio		2.0%		2.0%		2.0%		2.0%		2.0%
Corporate and Other (1)
Allowance for loan losses	$	2	$	2	$	3	$	2	$	1	$	(0	)	$	0
Total commercial loans	$	67	$	68	$	68	$	61	$	67	$	(1	)	$	(1	)
Coverage ratio		2.6%		2.6%		3.7%		2.6%		2.1%

(1) ALLL coverage ratios are based on the domestic allowance as a percentage of finance receivables and loans reported at their gross carrying value, which includes the principal amount outstanding, net of unearned income, unamortized deferred fees reduced by costs on originated loans, unamortized premiums and discounts on purchased loans, unamortized basis adjustments arising from the designation of finance receivables and loans as the hedged item in qualifying fair value hedge relationships, and cumulative principal charge-offs. Excludes loans held at fair value.

(2) Includes $34 million of fair value adjustment for loans in hedge accounting relationships in 1Q17, $43 million in 4Q16, $66 million in 3Q16, $88 million in 2Q16 and $87 million in 1Q16.

(3) Excludes $34 million of fair value adjustment for loans in hedge accounting relationships in 1Q17, $43 million in 4Q16, $66 million in 3Q16, $88 million in 2Q16 and $87 million in 1Q16.

1Q 2017 Preliminary Results 16

ALLY FINANCIAL INC. CAPITAL

($ in billions)

	QUARTERLY TRENDS															CHANGE VS.
	Basel III Transition
Capital (1)	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Risk-weighted assets	$	137.5		$	138.5		$	135.5		$	133.8		$	133.6		$	(1.0	)	$	3.9
Common Equity Tier 1 (CET1) capital ratio (2)		9.4%			9.4%			9.5%			9.6%			9.5%
Tier 1 capital ratio		11.1%			10.9%			11.1%			11.2%			11.6%
Total capital ratio		12.7%			12.6%			12.8%			12.8%			13.0%
Tangible common equity / Tangible assets (3)(4)		8.1%			8.0%			8.5%			8.5%			8.4%
Tangible common equity / Risk-weighted assets (3)		9.5%			9.4%			9.8%			10.0%			9.8%
Shareholders’ equity	$	13.4		$	13.3		$	13.6		$	13.6		$	13.8		$	0.1		$	(0.4	)
less:    Preferred equity		-			-			-			-			(0.7	)		-			0.7
Disallowed DTA		(0.5	)		(0.4	)		(0.4	)		(0.5	)		(0.5	)		(0.1	)		-
Certain AOCI items and other adjustments		0.1			0.1			(0.3	)		(0.3	)		-			-			0.1
Common Equity Tier 1 capital (2)	$	12.9		$	13.0		$	12.9		$	12.8		$	12.7		$	(0.1	)	$	0.2
Common Equity Tier 1 capital	$	12.9		$	13.0		$	12.9		$	12.8		$	12.7		$	(0.1	)	$	0.2
add:    Preferred equity		-			-			-			-			0.7			-			(0.7	)
Trust preferred securities		2.5			2.5			2.5			2.5			2.5			0.0			-
less:    Other adjustments		(0.2	)		(0.3	)		(0.3	)		(0.4	)		(0.4	)		0.1			0.2
Tier 1 capital	$	15.2		$	15.1		$	15.1		$	15.0		$	15.5		$	0.1		$	(0.3	)
Tier 1 capital	$	15.2		$	15.1		$	15.1		$	15.0		$	15.5		$	0.1		$	(0.3	)
add:    Qualifying subordinated debt and redeemable preferred stock		1.1		$	1.2			1.2			1.2			0.9			(0.1	)		0.2
Allowance for loan and lease losses includible in Tier 2 capital and other adjustments		1.1		$	1.1			1.1			1.0			1.0			(0.0	)		0.1
Total capital	$	17.5		$	17.4		$	17.3		$	17.2		$	17.4		$	0.1		$	0.1
Total shareholders’ equity	$	13.4		$	13.3		$	13.6		$	13.6		$	13.8		$	0.1		$	(0.4	)
less:    Preferred equity		-			-			-			-			(0.7	)		-			0.7
Goodwill and intangible assets, net of deferred tax liabilities		(0.3	)		(0.3	)		(0.3	)		(0.3	)		-			0.0			(0.3	)
Tangible common equity (3)	$	13.1		$	13.0		$	13.3		$	13.3		$	13.1		$	0.1		$	-
Total assets	$	162.1		$	163.7		$	157.4		$	157.9		$	156.5		$	(1.6	)	$	5.6
less:    Goodwill and intangible assets, net of deferred tax liabilities		(0.3	)		(0.3	)		(0.3	)		(0.3	)		-			0.0			(0.3	)
Tangible assets (4)	$	161.8		$	163.4		$	157.1		$	157.7		$	156.5		$	(1.6	)	$	5.3
Regulatory Capital - Basel III transition to fully phased-in
Numerator
Common equity tier 1 capital (transition)	$	12.9		$	13.0		$	12.9		$	12.8		$	12.7
DTAs arising from NOL and tax credit carryforwards phased-in during transition		(0.1	)		(0.3	)		(0.3	)		(0.3	)		(0.3	)
Intangibles phased-in during transition		(0.0	)		(0.0	)		(0.0	)		(0.0	)		-
Common equity tier 1 capital (fully phased-in)	$	12.8		$	12.7		$	12.6		$	12.5		$	12.3
Denominator
Risk-weighted assets (transition)	$	137.5		$	138.5		$	135.5		$	133.8		$	133.6
DTAs arising from temporary differences that could not be realized through NOL , net of VA and net of DTLs phased-in during transition		0.4			0.5			0.5			0.5			0.4
Intangibles phased in during transition		0.0			0.0			0.0			0.0			-
Risk-weighted assets (fully phased-in)	$	137.9		$	139.0		$	136.0		$	134.2		$	134.0
Metric
Common equity tier 1 (transition)		9.4%			9.4%			9.5%			9.6%			9.5%
Common equity tier 1 (fully phased-in) (2)		9.3%			9.1%			9.3%			9.3%			9.2%

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

(2) Common Equity Tier 1 capital (“CET1”) fully phased-in: Under the Basel III regulatory framework as adopted in the United States, banking organizations like the company are required to comply with a minimum ratio of common equity tier 1 capital to risk-weighted assets (CET1 Capital Ratio). Common equity tier 1 capital generally consists of common stock (plus any related surplus and net of any treasury stock), retained earnings, accumulated other comprehensive income, and minority interests in the common equity of consolidated subsidiaries, subject to specified conditions and adjustments. The obligation to comply with the minimum CET1 Capital Ratio is subject to ongoing transition periods and other provisions under Basel III. Management believes that both the transitional CET1 Capital Ratio and the fully phased-in CET1 Capital Ratio are helpful to readers in evaluating the company’s capital utilization and adequacy in absolute terms and relative to its peers. The fully phased-in CET1 Capital Ratio is a non-GAAP financial measure that is reconciled to the transitional CET1 Capital Ratio above.

(3) Represents a non-GAAP financial measure. We define tangible common equity as common stockholders’ equity less goodwill and identifiable intangible assets, 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.

(4) Represents a non-GAAP financial measure. We define tangible assets as total assets less goodwill and intangible assets, net of deferred tax liabilities.

1Q 2017 Preliminary Results 17

ALLY FINANCIAL INC. LIQUIDITY

($ in billions)

	3/31/2017					12/31/2016					3/31/2016
Available Liquidity	Parent (1)		Ally Bank			Parent (1)		Ally Bank			Parent (1)		Ally Bank
Cash and cash equivalents (2)	$	1.8	$	2.1		$	1.2	$	4.8		$	2.7	$	2.1
Highly liquid securities (3)		2.0		11.1			2.2		7.1			1.8		6.8
Current committed unused capacity		0.7		0.4			3.2		0.4			0.5		1.8
Subtotal	$	4.5	$	13.5		$	6.6	$	12.2		$	5.0	$	10.7
Ally Bank intercompany loan (4)		0.4		(0.4	)		1.1		(1.1	)		0.8		(0.8	)
Total Current Available Liquidity	$	4.9	$	13.1		$	7.7	$	11.1		$	5.7	$	9.9
Unsecured Long-Term Debt Maturity Profile	2017		2018			2019		2020			2021		2022 and after
Consolidated remaining maturities (5)	$	1.8	$	3.7		$	1.7	$	2.2		$	0.6	$	8.5

(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 unencumbered 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

(5) Excludes OID

1Q 2017 Preliminary Results 18

ALLY FINANCIAL INC. NET INTEREST MARGIN AND DEPOSITS

($ in millions)
	QUARTERLY TRENDS										CHANGE VS.
Average Balance Details	1Q 17		4Q 16		3Q 16		2Q 16		1Q 16		4Q 16			1Q 16
Retail Auto Loan	$	65,579	$	65,209	$	64,223	$	63,621	$	64,566	$	370		$	1,013
Auto Lease (net of dep)		10,931		12,099		13,232		14,392		15,638		(1,168	)		(4,707	)
Commercial Auto		38,019		37,386		34,905		34,800		34,026		633			3,993
Corporate Finance		3,394		3,273		3,115		2,973		2,781		121			613
Mortgage		10,982		10,901		11,052		10,764		10,152		81			830
Cash, Securities and Other		23,972		22,699		20,669		20,900		20,496		1,273			3,476
Total Earning Assets	$	152,877	$	151,567	$	147,196	$	147,450	$	147,659	$	1,310		$	5,218
Interest Revenue		1,661		1,650		1,652		1,635		1,599		11			62
Unsecured Debt (4)	$	20,957	$	21,346	$	21,714	$	22,698	$	22,452	$	(389	)	$	(1,495	)
Secured Debt		28,002		29,788		32,343		34,019		37,587		(1,786	)		(9,585	)
Deposits (2)		82,253		77,046		74,263		71,570		68,240		5,207			14,013
Other Borrowings (3)		13,053		14,391		10,834		10,862		11,709		(1,338	)		1,344
Total Funding Sources (1)	$	144,265	$	142,571	$	139,154	$	139,149	$	139,988	$	1,694		$	4,277
Interest Expense		666		659		641		637		635		7			31
Net Financing Revenue	$	995	$	991	$	1,011	$	998	$	964	$	4		$	31
Net Interest Margin (yield details)
Retail Auto Loan		5.66%		5.64%		5.58%		5.47%		5.31%
Auto Lease (net of dep)		5.71%		5.75%		7.25%		7.46%		6.66%
Commercial Auto		3.24%		3.05%		3.03%		3.03%		2.98%
Corporate Finance		6.45%		6.56%		6.39%		6.36%		6.51%
Mortgage		3.47%		3.25%		3.24%		3.36%		3.37%
Cash, Securities and Other		2.35%		2.10%		2.00%		1.98%		2.06%
Total Earning Assets		4.41%		4.33%		4.46%		4.46%		4.36%
Unsecured Debt		5.07%		4.99%		4.87%		4.80%		4.89%
Secured Debt		1.94%		1.74%		1.62%		1.56%		1.48%
Deposits		1.14%		1.15%		1.14%		1.14%		1.14%
Other Borrowings (3)		1.21%		1.08%		1.14%		1.15%		1.06%
Total Funding Sources (1)		1.87%		1.84%		1.83%		1.84%		1.82%
NIM (as reported)		2.60%		2.56%		2.69%		2.68%		2.59%
NIM (excluding OID) (1)		2.64%		2.60%		2.73%		2.72%		2.63%
Key Deposit Statistics
Average retail CD maturity (months)		29.8		30.7		31.1		31.4		31.6		(0.9	)		(1.8	)
Average retail deposit rate		1.09%		1.10%		1.10%		1.11%		1.11%
Ally Financial Deposits Levels
Ally Bank retail	$	69,971	$	66,584	$	63,880	$	61,239	$	58,977	$	3,387		$	10,994
Ally Bank brokered		14,327		12,187		11,570		11,269		10,979		2,140			3,348
Other		188		251		294		294		309		(63	)		(121	)
Total deposits	$	84,486	$	79,022	$	75,744	$	72,802	$	70,265	$	5,464		$	14,221
Ally Bank Deposit Mix
Retail CD		26.1%		27.7%		27.9%		29.0%		30.1%
MMA/OSA/Checking		56.7%		56.8%		56.8%		55.4%		54.2%
Brokered		17.2%		15.5%		15.3%		15.5%		15.7%

(1) Excludes OID

(2) Includes brokered deposits. Includes average noninterest-bearing deposits of $93 million in 1Q17, $96 million in 4Q16, $97 million in 3Q16, $91 million in 2Q16, $92 million in 1Q16.

(3) Includes Demand Notes, FHLB and Repurchase Agreements

(4) Includes private unsecured committed credit facility

1Q 2017 Preliminary Results 19

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

($ in billions)

	HISTORICAL QUARTERLY TRENDS
Mortgage Finance HFI Portfolio	1Q 17		4Q 16		3Q 16		2Q 16		1Q 16
Loan Value
Gross carry value	$	8.3	$	8.3	$	7.9	$	8.0	$	7.4
Net carry value	$	8.3	$	8.3	$	7.9	$	8.0	$	7.4
Estimated Pool Characteristics
% Second lien		0.0%		0.0%		0.0%		0.0%		0.0%
% Interest only		0.3%		0.3%		0.3%		0.4%		0.5%
% 30+ Day delinquent		0.5%		0.6%		0.9%		0.8%		1.0%
% Low/No documentation		0.0%		0.0%		0.0%		0.0%		0.0%
% Non-primary residence		3.7%		3.8%		3.4%		3.4%		3.5%
Refreshed FICO		770		772		772		771		770
Wtd. Avg. LTV/CLTV (1)		58.8%		59.7%		60.6%		61.1%		60.8%
Corporate Other Legacy Mortgage HFI Portfolio
Loan Value
Gross carry value	$	2.6	$	2.8	$	2.9	$	3.1	$	3.2
Net carry value	$	2.5	$	2.7	$	2.8	$	3.0	$	3.1
Estimated Pool Characteristics
% Second lien		17.4%		17.7%		18.1%		18.4%		18.6%
% Interest only		5.0%		6.8%		8.7%		12.9%		14.0%
% 30+ Day delinquent		4.0%		4.4%		4.1%		4.0%		4.1%
% Low/No documentation		22.5%		22.6%		22.8%		22.9%		22.7%
% Non-primary residence		7.4%		7.4%		7.4%		7.4%		7.4%
Refreshed FICO		728		730		730		728		728
Wtd. Avg. LTV/CLTV (1)		73.3%		74.1%		76.6%		77.8%		77.6%

(1) Updated home values derived using a combination of appraisals, BPOs, AVMs and MSA level house price indices; calculation only includes first liens

1Q 2017 Preliminary Results 20

ALLY FINANCIAL INC. EARNINGS PER SHARE RELATED INFORMATION

($ in millions, shares in thousands)

	QUARTERLY TRENDS															CHANGE VS.
Earnings Per Share Data	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Net income (loss)	$	214		$	248		$	209		$	360		$	250		$	(34	)	$	(36	)
less: Preferred stock dividends		-			-			-			15			15			-			(15	)
GAAP net income available to common shareholders	$	214		$	248		$	209		$	345		$	235		$	(34	)	$	(21	)
Weighted-average shares outstanding - basic (1)		465,961			472,502			482,393			485,370			484,233			(6,541	)		(18,272	)
Weighted-average shares outstanding - diluted (1)		466,829			474,505			483,575			486,074			484,654			(7,675	)		(17,825	)
Issued shares outstanding (period-end)		462,193			467,000			475,470			483,753			483,475			(4,807	)		(21,282	)
Net income (loss) per share - basic (1)	$	0.46		$	0.53		$	0.43		$	0.71		$	0.49		$	(0.07	)	$	(0.03	)
Net income (loss) per share - diluted (1)	$	0.46		$	0.52		$	0.43		$	0.71		$	0.49		$	(0.06	)	$	(0.03	)
Adjusted Earnings per Share (“Adjusted EPS”)
Numerator
GAAP net income available to common shareholders	$	214		$	248		$	209		$	345		$	235		$	(34	)	$	(21	)
less: Disc Ops, net of tax		(1	)		(2	)		52			(3	)		(3	)		1			2
add back: Original issue discount expense (“OID expense”)		16			15			15			14			15			1			2
add back: Repositioning Items		-			-			-			4			7			-			(7	)
less: OID & Repo. Tax (tax rate 35% starting 1Q16; 34% prior)		(6	)		(5	)		(5	)		(6	)		(8	)		(0	)		2
Significant Discrete Tax Items		-			-			-			(91	)		7			-			(7	)
Series A Actions		-			-			-			1			-			-			-
Core net income available to common shareholders (2)	$	224		$	256		$	271		$	263		$	253		$	(32	)	$	(29	)
Denominator
Weighted-Average Shares Outstanding - (Diluted, thousands)		466,829			474,505			483,575			486,074			484,654
Adjusted EPS (3)	$	0.48		$	0.54		$	0.56		$	0.54		$	0.52		$	(0.06	)	$	(0.04	)

(1) Includes shares related to share-based compensation that vested but were not yet issued

(2) Core net income available to common is a non-GAAP financial measure that serves as the numerator in the calculations of Adjusted EPS and Core ROTCE and that, like those measures, is believed by management to help the reader better understand the operating performance of the core businesses and their ability to generate earnings. Core net income available to common adjusts GAAP net income available to common for discontinued operations, OID expense, repositioning items primarily related to the extinguishment of high-cost legacy debt and strategic activities, certain discrete tax items including tax settlements and preferred stock capital actions.

(3) Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company. Management believes Adjusted EPS can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. In the numerator of Adjusted EPS, GAAP net income available to common is adjusted for the following items: (a) excludes discontinued operations, net of tax, as Ally is primarily a domestic company and sales of international businesses and other discontinued operations in the past have significantly impacted GAAP EPS, (b) adds back the tax-effected non-cash expense bond exchange original issue discount (OID), (c) adds back tax-effected repositioning items primarily related to the extinguishment of high-cost legacy debt and strategic activities, (d) excludes certain discrete tax items that do not relate to the operating performance of the core businesses, and (e) adjusts for preferred stock capital actions (e.g., Series A and Series G) that have been taken by the company to normalize its capital structure.

1Q 2017 Preliminary Results 21

ALLY FINANCIAL INC. ADJUSTED TANGIBLE BOOK PER SHARE RELATED INFORMATION

($ in billions, shares in thousands)

	QUARTERLY TRENDS															CHANGE VS.
Adjusted Tangible Book Value Per Share (“Adjusted TBVPS”) Information	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Numerator
GAAP shareholder’s equity	$	13.4		$	13.3		$	13.6		$	13.6		$	13.8		$	0.0		$	(0.5	)
less: Preferred equity		-			-			-			-			(0.7	)		-			0.7
GAAP Common shareholder’s equity		13.4			13.3			13.6			13.6			13.1			0.0			0.2
less: Goodwill and identifiable intangibles, net of DTLs		(0.3	)		(0.3	)		(0.3	)		(0.3	)		(0.0	)		0.0			(0.3	)
Tangible common equity		13.1			13.0			13.3			13.3			13.1			0.1			(0.0	)
less: Tax-effected bond OID (tax rate 35% starting 1Q16; 34% prior)		(0.8	)		(0.8	)		(0.8	)		(0.8	)		(0.8	)		0.0			0.0
less: Series G discount		-			-			-			-			-			-			-
Adjusted tangible book value	$	12.3		$	12.2		$	12.5		$	12.5		$	12.3		$	0.1		$	0.0
Denominator
Issued shares outstanding (period-end, thousands)		462,193			467,000			475,470			483,753			483,475
GAAP shareholder’s equity per share	$	28.9		$	28.5		$	28.7		$	28.1		$	28.6		$	0.4		$	0.3
less: Preferred equity per share		-			-			-			-			(1.4	)		-			1.4
GAAP Common shareholder’s equity per share		28.9			28.5			28.7			28.1			27.2			0.4			1.8
less: Goodwill and identifiable intangibles, net of DTLs per share		(0.6	)		(0.6	)		(0.6	)		(0.6	)		(0.1	)		(0.0	)		(0.6	)
Tangible common equity per share		28.3			27.9			28.0			27.6			27.1			0.4			1.2
less: Tax-effected bond OID (tax rate 35% starting 1Q16; 34% prior)		(1.7	)		(1.7	)		(1.7	)		(1.7	)		(1.7	)		0.0			0.0
less: Series G discount per share		-			-			-			-			-			-			-
Adjusted tangible book value per share (1)	$	26.6		$	26.2		$	26.3		$	25.9		$	25.4		$	0.4		$	1.2

(1) Adjusted tangible book value per share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity available to shareholders even if original issue discount (OID) expense were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholder’s equity per share. Adjusted TBVPS generally adjusts common equity for (a) goodwill and identifiable intangibles, net of DTLs, (b) tax-effected bond OID to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered and (c) Series G discount which reduces tangible common equity as the company has normalized its capital structure.

1Q 2017 Preliminary Results 22

ALLY FINANCIAL INC. CORE ROTCE RELATED INFORMATION

($ in millions) unless noted otherwise

	QUARTERLY TRENDS															CHANGE VS.
Core Return on Tangible Common Equity (“Core ROTCE”)	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16			1Q 16
Numerator
GAAP net income available to common shareholders	$	214		$	248		$	209		$	345		$	235		$	(34	)	$	(21	)
less: Disc Ops, net of tax		(1	)		(2	)		52			(3	)		(3	)		1			2
add back: Original issue discount expense (“OID expense”)		16			15			15			14			15			1			2
add back: Repositioning Items		-			-			-			4			7			-			(7	)
less: OID & Repo. Tax (tax rate 35% starting 1Q16; 34% prior)		(6	)		(5	)		(5	)		(6	)		(8	)		(0	)		2
Significant Discrete Tax Items & Other		-			-			-			(91	)		7			-			(7	)
Series G Actions		-			-			-			-			-			-			-
Series A Actions		-			-			-			1			-			-			-
Core net income available to common shareholders (1)	$	224		$	256		$	271		$	263		$	253		$	(32	)	$	(29	)
Denominator (2-period average, $ billions)
GAAP shareholder’s equity	$	13.3		$	13.5		$	13.6		$	13.7		$	13.6		$	(0.1	)	$	(0.3	)
less: Preferred equity		-			-			-			0.3			0.7			-			(0.7	)
less: Goodwill & identifiable intangibles, net of deferred tax liabilities (“DTLs”)		(0.3	)		(0.3	)		0.3			0.1			0.0			0.0			(0.3	)
Tangible common equity	$	13.0		$	13.2		$	13.3		$	13.2		$	12.9		$	(0.1	)	$	0.1
less: Unamortized original issue discount (“OID discount”)		1.2			1.3			1.3			1.3			1.3			(0.0	)		(0.1	)
less: Net deferred tax asset (“DTA”)		1.0			1.0			1.0			1.1			1.2			(0.0	)		(0.3	)
Normalized common equity (2)	$	10.8		$	10.9		$	11.0		$	10.8		$	10.4		$	(0.1	)	$	0.5
Core ROTCE (3)		8.2%			9.4%			9.8%			9.7%			9.8%

(1) Core net income available to common is a non-GAAP financial measure that serves as the numerator in the calculations of Adjusted EPS and Core ROTCE and that, like those measures, is believed by management to help the reader better understand the operating performance of the core businesses and their ability to generate earnings. Core net income available to common adjusts GAAP net income available to common for discontinued operations, OID expense, repositioning items primarily related to the extinguishment of high-cost legacy debt and strategic activities, certain discrete tax items including tax settlements and preferred stock capital actions.

(2) Normalized common equity calculated using 2 period average

(3) Core return on tangible common equity (Core ROTCE) is a non-GAAP financial measure that management believes is helpful for readers to better understand the ongoing ability of the company to generate returns on its equity base that supports core operations. As of 1Q 2016, Ally’s Core net income available to common for purposes of calculating Core ROTCE is based on the actual effective tax rate for the period adjusted for any discrete tax items including tax settlements, which aligns with the methodology used calculating adjusted earnings per share.

(a) In the numerator of Core ROTCE, GAAP net income available to common is adjusted for discontinued operations net of tax, tax-effected OID expense, tax-effected repositioning items primarily related to the extinguishment of high-cost legacy debt and strategic activities, certain discrete tax items and preferred stock capital actions.

(b) In the denominator, GAAP shareholder’s equity is adjusted for preferred equity and goodwill and identifiable intangibles net of DTL, unamortized OID, and net DTA.

1Q 2017 Preliminary Results 23

ALLY FINANCIAL INC. ADJUSTED EFFICIENCY RATIO RELATED INFORMATION

($ in millions)
	QUARTERLY TRENDS															CHANGE VS.
Adjusted Efficiency Ratio Calculation	1Q 17			4Q 16			3Q 16			2Q 16			1Q 16			4Q 16		1Q 16
Numerator
Total noninterest expense	$	778		$	721		$	735		$	773		$	710		$	57	$	68
less: Rep and warrant expense		(0	)		(0	)		(2	)		(3	)		(1	)		0		1
less: Insurance expense		239			207			222			293			218			32		21
less: Repositioning items		-			-			-			4			4			-		(4	)
Adjusted noninterest expense	$	539		$	514		$	515		$	479		$	488		$	25	$	51
Denominator ($ millions)
Total net revenue	$	1,375		$	1,368		$	1,384		$	1,358		$	1,327		$	7	$	48
add: Original issue discount		16			15			15			14			15			1		2
add: Repositioning items		-			-			-			-			3			-		(3	)
less: Insurance revenue		279			276			278			275			268			3		11
Adjusted net revenue	$	1,112		$	1,107		$	1,121		$	1,097		$	1,076		$	5	$	36
Adjusted Efficiency Ratio (1)		48.5%			46.4%			45.9%			43.7%			45.4%

(1) Adjusted efficiency ratio is a non-GAAP financial measure that management believes is helpful to readers in comparing the efficiency of its core banking and lending businesses with those of its peers. In the numerator of Adjusted efficiency ratio, total noninterest expense is adjusted for Insurance segment expense, repositioning items primarily related to strategic activities and rep and warrant expense. In the denominator, total net revenue is adjusted for Insurance segment revenue, repositioning items primarily related to the extinguishment of high-cost legacy debt and original issue discount (OID). See page 11 for the combined ratio for the Insurance segment which management uses as a primary measure of underwriting profitability for the Insurance business.

1Q 2017 Preliminary Results 24