Exhibit 99.3

THIRD 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.

3Q 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 Portfolios		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

3Q 2017 Preliminary Results 3

ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS

($ in millions, shares in thousands)

	QUARTERLY TRENDS															CHANGE VS.
Selected Income Statement Data	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Net financing revenue (ex. OID) (1)	$	1,099		$	1,084		$	995		$	991		$	1,011		$	15		$	88
OID expense (2)		(18	)		(17	)		(16	)		(15	)		(15	)		(1	)		(3	)
Net financing revenue (as reported)		1,081			1,067			979			976			996			14			85
Total other revenue		381			388			396			392			388			(7	)		(7	)
Provision for loan losses		314			269			271			267			258			45			56
Total noninterest expense (3)		753			810			778			721			735			(56	)		18
Pre-tax income from continuing operations		395			376			326			380			391			19			4
Income tax expense		115			122			113			134			130			(7	)		(15	)
Income / (Loss) from discontinued operations, net of tax		2			(2	)		1			2			(52	)		4			54
Net income available to common	$	282		$	252		$	214		$	248		$	209		$	30		$	73
Selected Balance Sheet Data (Period-End)
Total assets	$	164,013		$	164,345		$	162,101		$	163,728		$	157,397		$	(332	)	$	6,616
Consumer loans		79,092			78,068			76,600			76,843			75,673			1,024			3,419
Commercial loans		39,779			42,460			42,402			42,101			39,286			(2,681	)		493
Allowance for loan losses		(1,286	)		(1,225	)		(1,155	)		(1,144	)		(1,134	)		(61	)		(152	)
Deposits		90,116			86,183			84,486			79,022			75,744			3,933			14,372
Total equity		13,573			13,473			13,365			13,317			13,630			100			(57	)
Common Share Count
Weighted average basic (4)		449,169			457,891			465,961			472,502			482,393			(8,723	)		(33,224	)
Weighted average diluted (4)		451,078			458,819			466,829			474,505			483,575			(7,741	)		(32,497	)
Issued shares outstanding (period-end)		443,796			452,292			462,193			467,000			475,470			(8,496	)		(31,674	)
Per Common Share Data
Earnings per share (basic) (4)	$	0.63		$	0.55		$	0.46		$	0.53		$	0.43		$	0.08		$	0.19
Earnings per share (diluted) (4)		0.63			0.55			0.46			0.52			0.43			0.08			0.19
Adjusted earnings per share (5)		0.65			0.58			0.48			0.54			0.56			0.07			0.09
Book value per share		30.6			29.8			28.9			28.5			28.7			0.8			1.9
Tangible book value per share (6)		29.9			29.2			28.3			27.9			28.0			0.8			1.9
Adjusted tangible book value per share (6)		28.2			27.4			26.6			26.2			26.3			0.8			1.9
Select Financial Ratios
Net interest margin (as reported)		2.74%			2.76%			2.60%			2.56%			2.69%
Net interest margin (ex. OID)(7)		2.78%			2.80%			2.64%			2.60%			2.73%
Cost of funds (incl. OID)(7)		2.01%			1.94%			1.94%			1.90%			1.89%
Cost of funds (ex. OID)(7)		1.94%			1.88%			1.87%			1.84%			1.83%
Efficiency Ratio (7)		51.5%			55.7%			56.6%			52.7%			53.1%
Adjusted efficiency ratio (7)(8)		44.9%			43.7%			48.5%			46.4%			45.9%
Return on average assets (9)		0.7%			0.6%			0.5%			0.6%			0.5%
Return on average total equity (9)		8.3%			7.5%			6.4%			7.4%			6.1%
Return on average tangible common equity (7)(9)		8.5%			7.7%			6.6%			7.5%			6.3%
Core ROTCE (10)		10.3%			9.6%			8.2%			9.4%			9.8%
Capital Ratios (11)
Common Equity Tier 1 (CET1) capital ratio		9.7%			9.5%			9.4%			9.4%			9.5%
Tier 1 capital ratio		11.5%			11.2%			11.1%			10.9%			11.1%
Total capital ratio		13.2%			12.8%			12.7%			12.6%			12.8%
Tier 1 leverage ratio		9.5%			9.5%			9.5%			9.5%			9.7%

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

(2) Core original issue discount amortization expense (Core OID) is a non-GAAP financial measure for OID, primarily related to bond exchange OID which excludes international operations and future issuances.

(3) Including but not limited to employee related expenses, commissions and provision for losses and loss adjustment expense related to the insurance business, information technology expenses, servicing expenses, facilities expenses, marketing expenses, and other professional and legal expenses.

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

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

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

(7) Represents a non-GAAP financial measure.

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

(9) Return metrics are annualized.

(10) Return metrics are annualized. Represents a non-GAAP financial measure. For more details refer to page 23

(11) 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

3Q 2017 Preliminary Results 4

ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$	1,486		$	1,447		$	1,368		$	1,355		$	1,307		$	39		$	179
Total interest and dividends on investment securities		150			139			126			109			101			11			49
Interest-bearing cash		11			7			5			4			3			4			8
Other earning assets		7			7			8			7			-			-			7
Operating leases		434			488			543			592			649			(54	)		(215	)
Total financing revenue and other interest income		2,088			2,088			2,050			2,067			2,060			-			28
Interest expense
Interest on deposits		285			250			231			222			212			35			73
Interest on short-term borrowings		34			33			27			18			14			1			20
Interest on long-term debt		416			417			424			434			430			(1	)		(14	)
Total interest expense		735			700			682			674			656			35			79
Depreciation expense on operating lease assets		272			321			389			417			408			(49	)		(136	)
Net financing revenue (as reported)	$	1,081		$	1,067		$	979		$	976		$	996		$	14		$	85
Other revenue
Servicing fees		11			14			16			15			17			(3	)		(6	)
Insurance premiums and service revenue earned		252			227			241			241			238			25			14
Gain on mortgage and automotive loans, net		15			36			14			7			-			(21	)		15
Loss on extinguishment of debt		(4	)		(1	)		(1	)		(1	)		-			(3	)		(4	)
Other gain on investments, net		23			23			27			39			52			-			(29	)
Other income, net of losses		83			89			99			91			81			(5	)		3
Total other revenue		381			388			396			392			388			(7	)		(7	)
Total net revenue		1,462			1,455			1,375			1,368			1,384			7			78
Provision for loan losses		314			269			271			267			258			45			56
Noninterest expense
Compensation and benefits expense		264			265			285			250			248			(1	)		16
Insurance losses and loss adjustment expenses		65			125			88			55			69			(60	)		(4	)
Other operating expenses		424			420			405			416			418			4			6
Total noninterest expense		753			810			778			721			735			(57	)		18
Pre-tax income from continuing operations	$	395		$	376		$	326		$	380		$	391		$	19		$	4
Income tax expense from continuing operations		115			122			113			134			130			(7	)		(15	)
Net income from continuing operations		280			254			213			246			261			26			19
Income / (Loss) from discontinued operations, net of tax		2			(2	)		1			2			(52	)		4			54
Net income	$	282		$	252		$	214		$	248		$	209		$	30		$	73
Core Pre-Tax Income Walk
Net financing revenue (ex. OID) (1)	$	1,099		$	1,084		$	995		$	991		$	1,011		$	15		$	88
Total other revenue		381			388			396			392			388			(7	)		(7	)
Provision for loan losses		314			269			271			267			258			45			56
Total noninterest expense		753			810			778			721			735			(57	)		18
Core pre-tax income	$	413		$	393		$	342		$	395		$	406		$	20		$	7
less: OID amortization expense		18			17			16			15			15			1			3
Pre-tax income from continuing operations	$	395		$	376		$	326		$	380		$	391		$	19		$	4

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

3Q 2017 Preliminary Results 5

ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Assets
Cash and cash equivalents
Noninterest-bearing	$	810		$	1,514		$	1,513		$	1,547		$	1,779		$	(704	)	$	(969	)
Interest-bearing		3,614			2,863			2,789			4,387			2,510			751			1,104
Total cash and cash equivalents		4,424			4,377			4,302			5,934			4,289			47			135
Investment securities (1)		24,938			22,953			21,412			19,765			18,350			1,985			6,588
Loans held-for-sale, net		18			17			1			-			56			1			(38	)
Finance receivables and loans, net
Finance receivables and loans, net		118,871			120,528			119,002			118,944			114,959			(1,657	)		3,912
Allowance for loan losses		(1,286	)		(1,225	)		(1,155	)		(1,144	)		(1,134	)		(61	)		(152	)
Total finance receivables and loans, net		117,585			119,303			117,847			117,800			113,825			(1,718	)		3,760
Investment in operating leases, net		8,931			9,717			10,461			11,470			12,689			(786	)		(3,758	)
Premiums receivables and other insurance assets		2,054			2,025			1,944			1,905			1,881			29			173
Other assets		6,063			5,953			6,134			6,854			6,307			110			(244	)
Total assets	$	164,013		$	164,345		$	162,101		$	163,728		$	157,397		$	(332	)	$	6,616
Liabilities
Deposit liabilities
Noninterest-bearing	$	129		$	107		$	102		$	84		$	101		$	22		$	28
Interest-bearing		89,987			86,076			84,384			78,938			75,643			3,911			14,344
Total deposit liabilities		90,116			86,183			84,486			79,022			75,744			3,933			14,372
Short-term borrowings		10,175			10,712			8,371			12,673			6,434			(537	)		3,741
Long-term debt		45,122			49,145			51,061			54,128			56,836			(4,023	)		(11,714	)
Interest payable		552			399			382			351			462			153			90
Unearned insurance premiums and service revenue		2,583			2,541			2,514			2,500			2,493			42			90
Accrued expense and other liabilities		1,892			1,892			1,922			1,737			1,798			-			94
Total liabilities	$	150,440		$	150,872		$	148,736		$	150,411		$	143,767		$	(432	)	$	6,673
Equity
Common stock and paid-in capital (2)	$	20,303		$	20,478		$	20,661		$	20,809		$	20,960		$	(175	)	$	(657	)
Accumulated deficit		(6,533	)		(6,760	)		(6,975	)		(7,151	)		(7,361	)		227			828
Accumulated other comprehensive (loss) income		(197	)		(245	)		(321	)		(341	)		31			48			(228	)
Total equity		13,573			13,473			13,365			13,317			13,630			100			(57	)
Total liabilities and equity	$	164,013		$	164,345		$	162,101		$	163,728		$	157,397		$	(332	)	$	6,616

(1) Includes held-to-maturity securities

(2) Includes Treasury stock

3Q 2017 Preliminary Results 6

ALLY FINANCIAL INC. CONSOLIDATED AVERAGE BALANCE SHEET ⁽¹⁾

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Assets
Interest-bearing cash and cash equivalents	$	3,148		$	2,683		$	2,674		$	2,556		$	2,530		$	465		$	618
Investment securities		25,111			23,049			21,298			20,143			18,139			2,062			6,972
Loans held-for-sale, net		6			2			-			-			1			4			5
Total finance receivables and loans, net (2)		119,051			119,235			117,974			116,769			113,294			(184	)		5,757
Investment in operating leases, net		9,320			10,109			10,931			12,099			13,232			(789	)		(3,912	)
Total interest earning assets		156,636			155,078			152,877			151,567			147,196			1,558			9,440
Noninterest-bearing cash and cash equivalents		720			968			1,100			1,124			1,369			(248	)		(649	)
Other assets		7,740			7,727			8,013			8,039			8,764			13			(1,024	)
Allowance for loan losses		(1,226	)		(1,172	)		(1,145	)		(1,139	)		(1,103	)		(54	)		(123	)
Total assets	$	163,870		$	162,601		$	160,845		$	159,591		$	156,226		$	1,269		$	7,644
Liabilities
Interest-bearing deposit liabilities	$	88,115		$	84,792		$	82,160		$	76,950		$	74,166		$	3,323		$	13,949
Short-term borrowings		9,137			9,024			8,223			8,353			5,194			113			3,943
Long-term debt (3)		47,965			50,723			52,549			55,916			58,425			(2,758	)		(10,460	)
Total interest-bearing liabilities (3)		145,217			144,539			142,932			141,219			137,785			678			7,432
Noninterest-bearing deposit liabilities		106			95			93			96			97			11			9
Other liabilities		5,001			4,526			4,383			4,442			4,674			475			327
Total liabilities	$	150,324		$	149,160		$	147,408		$	145,757		$	142,556		$	1,164		$	7,768
Equity
Total equity	$	13,546		$	13,441		$	13,437		$	13,834		$	13,670		$	105		$	(124	)
Total liabilities and equity	$	163,870		$	162,601		$	160,845		$	159,591		$	156,226		$	1,269		$	7,644

(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 Core OID average of $1,206 in 3Q17, $1,224 in 2Q17, $1,240 million in 1Q17, $1,256 million in 4Q16, and $1,272 million 3Q16

3Q 2017 Preliminary Results 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS

($ in millions)

	QUARTERLY TRENDS														CHANGE VS.
	3Q 17		2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Automotive Finance	$	300	$	347		$	288		$	298		$	319		$	(47	)	$	(19	)
Insurance		69		(21	)		40			69			56			90			13
Dealer Financial Services		369		326			328			367			375			43			(6	)
Mortgage Finance		2		7			9			15			8			(5	)		(6	)
Corporate Finance		22		35			25			31			15			(13	)		7
Corporate and Other (1)		2		8			(36	)		(33	)		(7	)		(6	)		9
Pre-tax income from continuing operations	$	395	$	376		$	326		$	380		$	391		$	19		$	4
OID amortization expense (2)		18		17			16			15			15			1			3
Core pre-tax income (3)	$	413	$	393		$	342		$	395		$	406		$	20		$	7

(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, Ally Invest activity included within the Corporate & Other segment.

(2) Core OID amortization expense and repositioning items for all periods shown is applied to the pre-tax income of the Corporate and Other segment.

(3) Core pre-tax income is a non-GAAP financial measure that adjusts pre-tax income from continuing operations by excluding (1) core 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.

3Q 2017 Preliminary Results 8

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Net financing revenue
Consumer	$	987		$	962		$	924		$	933		$	911		$	25		$	76
Commercial		341			325			304			287			267			16			74
Operating leases		434			488			543			592			649			(54	)		(215	)
Other interest income		2			1			2			3			3			1			(1	)
Total financing revenue and other interest income		1,764			1,776			1,773			1,815			1,830			(12	)		(66	)
Interest expense		542			523			492			491			489			19			53
Depreciation expense on operating lease assets:
Depreciation expense on operating lease assets (ex. remarketing)		324			353			385			427			470			(30	)		(146	)
Remarketing gains (losses)		51			32			(3	)		10			62			19			(53	)
Total depreciation expense on operating lease assets		272			321			389			417			408			(49	)		(136	)
Net financing revenue		950			932			892			907			933			18			17
Other revenue
Servicing fees		11			14			16			15			17			(3	)		(6	)
Gain/(loss) on automotive loans, net		14			35			24			7			-			(21	)		14
Other income		57			58			61			56			58			(2	)		(1	)
Total other revenue		82			107			101			78			74			(25	)		8
Total net revenue		1,032			1,039			993			985			1,007			(7	)		25
Provision for loan losses		312			266			268			275			270			46			42
Noninterest expense
Compensation and benefits		124			125			129			118			119			(1	)		5
Other operating expenses		296			301			308			294			299			(5	)		(3	)
Total noninterest expense		420			426			437			412			418			(6	)		2
Income before income tax expense	$	300		$	347		$	288		$	298		$	319		$	(47	)	$	(19	)
Memo: Net lease revenue
Operating lease revenue	$	434		$	488		$	543		$	592		$	649		$	(54	)	$	(215	)
Depreciation expense on operating lease assets (ex. remarketing)		324			353			385			427			470			(30	)		(146	)
Remarketing gains (losses)		51			32			(3	)		10			62			19			(11	)
Total depreciation expense on operating lease assets		272			321			389			417			408			(49	)		(136	)
Net lease revenue	$	162		$	167		$	154		$	175		$	241		$	(5	)	$	(79	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	23		$	23		$	30		$	30		$	30		$	-		$	(7	)
Finance receivables and loans, net:
Consumer loans		67,053			66,746			65,629			65,750			64,750			307			2,303
Commercial loans (1)		36,005			38,840			38,903			38,853			36,043			(2,835	)		(38	)
Allowance for loan losses		(1,134	)		(1,066	)		(999	)		(989	)		(969	)		(68	)		(165	)
Total finance receivables and loans, net		101,924			104,520			103,533			103,614			99,824			(2,596	)		2,100
Investment in operating leases, net		8,931			9,717			10,461			11,470			12,689			(786	)		(3,758	)
Other assets		1,263			1,187			1,130			1,233			1,126			76			137
Total assets	$	112,141		$	115,447		$	115,154		$	116,347		$	113,669		$	(3,306	)	$	(1,528	)

(1) Includes intercompany

3Q 2017 Preliminary Results 9

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS

	QUARTERLY TRENDS											CHANGE VS.
	3Q 17		2Q 17		1Q 17			4Q 16		3Q 16		2Q 17			3Q 16
U.S. Consumer Originations (1) ($ in billions)
Retail standard - new vehicle GM	$	1.5	$	1.3	$	1.5		$	1.9	$	2.0	$	0.2		$	(0.5	)
Retail standard - new vehicle Chrysler		0.9		1.0		1.0			1.1		1.2		(0.0	)		(0.3	)
Retail standard - new vehicle Growth		1.1		1.2		1.2			1.2		1.3		(0.1	)		(0.1	)
Used vehicle		3.6		4.0		4.2			3.4		3.8		(0.4	)		(0.1	)
Lease		0.9		1.1		0.9			0.7		1.0		(0.2	)		(0.1	)
Retail subvented		0.0		0.0		0.0			0.0		0.1		(0.0	)		(0.1	)
Total originations	$	8.1	$	8.6	$	8.9		$	8.2	$	9.3	$	(0.5	)	$	(1.2	)
U.S. Consumer Originations - FICO Score
Super Prime (CB 740+)	$	2.1	$	2.1	$	2.2		$	2.2	$	2.3	$	0.0		$	(0.2	)
Prime (CB 739-660)		2.9		3.0		3.1			2.9		3.4		(0.1	)		(0.5	)
Prime/Near (CB 659-620)		1.9		2.0		2.1			1.9		2.2		(0.1	)		(0.3	)
Non Prime (CB 619-540)		0.7		0.9		0.8			0.7		0.9		(0.1	)		(0.2	)
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	$	8.1	$	8.6	$	8.9		$	8.2	$	9.3	$	(0.5	)	$	(1.2	)
U.S. Market
Light vehicle sales (SAAR - units in millions)		17.1		16.8		17.1			17.8		17.5		0.3			(0.5	)
Light vehicle sales (quarterly - units in millions)		4.4		4.4		4.0			4.4		4.5		0.0			(0.1	)
GM market share		17.8%		16.5%		17.2%			18.8%		17.4%
Chrysler market share		11.6%		12.7%		12.7%			12.0%		12.8%
U.S. Consumer Penetration
GM		7.0%		6.2%		7.4%			8.5%		8.8%
Chrysler		13.1%		13.8%		13.4%			14.0%		14.8%
U.S. Commercial Outstandings EOP ($ in billions)
Floorplan outstandings, net	$	30.0	$	32.9	$	33.2		$	33.3	$	30.7	$	(2.8	)	$	(0.6	)
Dealer loans and other		6.0		6.0		5.8			5.5		5.4		(0.0	)		0.6
Total Commercial outstandings	$	36.0	$	38.8	$	38.9		$	38.9	$	36.0	$	(2.8	)	$	0.0
U.S. Off-Lease Remarketing
Off-lease vehicles terminated - On-balance sheet (# in units)		64,461		71,667		77,761			71,737		80,999		(7,206	)		(16,538	)
Average (loss) / gain per vehicle	$	791	$	453	$	(45	)	$	135	$	767	$	338		$	24
Total (loss) / gains ($ in millions)	$	51	$	32	$	(3	)	$	10	$	62	$	19		$	(11	)

(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”)

3Q 2017 Preliminary Results 10

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

($ in millions)

	QUARTERLY TRENDS											CHANGE VS.
Income Statement (GAAP View)	3Q 17		2Q 17			1Q 17		4Q 16		3Q 16		2Q 17			3Q 16
Net financing revenue
Interest and dividends on investment securities	$	26	$	25		$	25	$	26	$	24	$	1		$	2
Interest bearing cash		2		2			1		2		2		-			-
Total financing revenue and other interest revenue		28		27			26		28		26		1			2
Interest expense		13		13			11		11		12		-			1
Net financing revenue		15		14			15		17		14		1			1
Other revenue
Insurance premiums and service revenue earned		252		227			241		241		238		25			14
Other gain/(loss) on investments, net		19		15			21		17		24		4			(5	)
Other income, net of losses		1		3			2		1		2		(2	)		(1	)
Total other revenue		272		245			264		259		264		27			8
Total net revenue		287		259			279		276		278		28			9
Noninterest expense
Compensation and benefits expense		17		18			19		17		16		(1	)		1
Insurance losses and loss adjustment expenses		65		125			88		55		69		(60	)		(4	)
Other operating expenses		136		137			132		135		137		(1	)		(1	)
Total noninterest expense		218		280			239		207		222		(62	)		(4	)
Income (Loss) before income tax expense	$	69	$	(21	)	$	40	$	69	$	56	$	90		$	13
Memo: Income Statement (Managerial View)
Insurance premiums and other income
Insurance premiums and service revenue earned	$	252	$	227		$	241	$	241	$	238	$	25		$	14
Investment income		32		27			35		32		36		5			(4	)
Other income		3		5			3		3		4		(2	)		(1	)
Total insurance premiums and other income		287		259			279		276		278		28			9
Expense
Insurance losses and loss adjustment expenses		65		125			88		55		69		(60	)		(4	)
Acquisition and underwriting expenses
Compensation and benefit expense		17		18			19		17		16		(1	)		1
Insurance commission expense		106		104			99		98		99		3			7
Other expense		30		33			33		37		38		(3	)		(8	)
Total acquisition and underwriting expense		153		155			151		152		153		(2	)		-
Total expense		218		280			239		207		222		(62	)		(4	)
Income (Loss) before income tax expense	$	69	$	(21	)	$	40	$	69	$	56	$	90		$	13
Balance Sheet (Period-End)
Cash, trading and investment securities	$	5,136	$	5,033		$	5,048	$	5,033	$	5,155	$	103		$	(19	)
Premiums receivable and other insurance assets		2,069		2,041			1,959		1,920		1,894		28			175
Other assets		227		234			223		219		210		(7	)		17
Total assets	$	7,432	$	7,308		$	7,230	$	7,172	$	7,259	$	124		$	173
Key Statistics
Total written premiums and revenue (3)	$	272	$	220		$	240	$	237	$	252	$	52		$	20
Loss ratio (1)		25.7%		54.6%			35.9%		22.6%		28.8%
Underwriting expense ratio (2)		60.3%		67.5%			62.2%		62.7%		63.8%
Combined ratio		86.0%		122.1%			98.1%		85.3%		92.5%

(1) Loss Ratio is calculated as Insurance losses and loss adjustment expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses.

(2) Underwriting Expense Ratio is calculated as Compensation and benefits expense and Other operating expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses.

(3) Written premiums: 2Q17 and 3Q17 net of ceded premium for the reinsurance policy.

3Q 2017 Preliminary Results 11

ALLY FINANCIAL INC. MORTGAGE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Net financing revenue
Total financing revenue and other interest income	$	78		$	72		$	71		$	65		$	64		$	6		$	14
Interest expense		46			40			37			39			39			6			7
Net financing revenue		32			32			34			26			25			-			7
Gain on mortgage loans, net		1			1			-			-			-			-			1
Other income, net of losses		1			-			-			-			-			1			1
Total other revenue		2			1			-			-			-			1			2
Total net revenue		34			33			34			26			25			1			9
Provision for loan losses		4			1			1			(8	)		1			3			3
Noninterest expense
Compensation and benefits expense		6			5			5			3			4			1			2
Other operating expense		22			20			19			16			12			2			10
Total noninterest expense		28			25			24			19			16			3			12
Income before income tax expense	$	2		$	7		$	9		$	15		$	8		$	(5	)	$	(6	)
Balance Sheet (Period-End)
Finance receivables and loans, net:
Consumer loans	$	9,760		$	8,866		$	8,331		$	8,294		$	7,931		$	894		$	1,829
Allowance for loan losses		(16	)		(12	)		(11	)		(11	)		(19	)		(4	)		3
Total finance receivables and loans, net		9,744			8,854			8,320			8,283			7,912			890			1,832
Loans held-for-sale		9			3			1			-			-			6			9
Other assets		51			45			41			24			21			6			30
Total assets	$	9,804		$	8,902		$	8,362		$	8,307		$	7,933		$	902		$	1,871

3Q 2017 Preliminary Results 12

ALLY FINANCIAL INC. CORPORATE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Net financing revenue
Total financing revenue and other interest income	$	62		$	70		$	54		$	54		$	48		$	(8	)	$	14
Interest expense		23			22			20			20			18			1			5
Net financing revenue		39			48			34			34			30			(9	)		9
Other income, net of losses		5			10			18			12			4			(5	)		1
Total net revenue		44			58			52			46			34			(14	)		10
Provision for loan losses		3			6			6			(2	)		3			(3	)		-
Noninterest expense
Compensation and benefits expense		12			10			14			9			9			2			3
Other operating expense		7			7			7			8			7			-			-
Total noninterest expense		19			17			21			17			16			2			3
Income before income tax expense	$	22		$	35		$	25		$	31		$	15		$	(13	)	$	7
Balance Sheet (Period-End)
Loans held for sale	$	9		$	14		$	-		$	-		$	56		$	(5	)	$	(47	)
Commercial loans (1)		3,703			3,553			3,432			3,180			3,182			150			521
Allowance for loan losses		(69	)		(75	)		(68	)		(62	)		(62	)		6			(7	)
Total finance receivables and loans, net		3,634			3,478			3,364			3,118			3,120			156			514
Other assets		56			60			74			65			56			(4	)		-
Total assets	$	3,699		$	3,552		$	3,438		$	3,183		$	3,232		$	147		$	467

(1) Includes intercompany loan activity

3Q 2017 Preliminary Results 13

ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Income Statement	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Net financing revenue
Total financing revenue and other interest income	$	156		$	143		$	126		$	105		$	92		$	13		$	64
Interest expense
original issue discount amortization		18			17			16			15			15			1			3
Other interest expense		93			85			106			98			83			8			10
Total interest expense		111			102			122			113			98			9			13
Net financing revenue (deficit)		45			41			4			(8	)		(6	)		4			51
Other revenue
Loss on extinguishment of debt		(4	)		(1	)		(1	)		(1	)		-			(3	)		(4	)
Other gain on investments, net		4			8			6			23			28			(4	)		(24	)
Other income, net of losses (1)		20			18			8			21			18			2			2
Total other (loss) revenue		20			25			13			43			46			(5	)		(26	)
Total net revenue (deficit)		65			66			17			35			40			(1	)		25
Provision for loan losses		(5	)		(4	)		(4	)		2			(16	)		(1	)		11
Noninterest expense
Compensation and benefits expense		105			107			118			103			100			(2	)		5
Other operating expense (2)		(37	)		(45	)		(61	)		(37	)		(37	)		8			-
Total noninterest expense		68			62			57			66			63			6			5
Income / (Loss) from cont. ops before income tax expense	$	2		$	8		$	(36	)	$	(33	)	$	(7	)	$	(6	)	$	9
Balance Sheet (Period-End)
Cash, trading and investment securities	$	24,203		$	22,274		$	20,636		$	20,636		$	17,454		$	1,929		$	6,749
Finance receivables and loans, net
Consumer loans		2,279			2,456			2,640			2,799			2,992			(177	)		(713	)
Commercial loans (3)		71			67			67			68			61			4			10
Allowance for loan losses		(67	)		(72	)		(77	)		(82	)		(84	)		5			17
Total finance receivables and loans, net		2,283			2,451			2,630			2,785			2,969			(168	)		(686	)
Other assets		4,451			4,411			4,651			5,298			4,881			40			(430	)
Total assets	$	30,937		$	29,136		$	27,917		$	28,719		$	25,304		$	1,801		$	5,633
Core OID Amortization Schedule (4)	2017			2018			2019			2020			2021 and After
Remaining OID Amortization (as of 9/30/2017)	$	19		$	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 $194 million for 3Q17, $200 million for 2Q17, $212 million for 1Q17, $193 million for 4Q16, and $190 million for 3Q16 . The receiving business segment records the allocation of corporate overhead expense within other operating expenses.

(3) Includes intercompany

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

3Q 2017 Preliminary Results 14

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION

($ in millions)

	QUARTERLY TRENDS										CHANGE VS.
Asset Quality - Consolidated (1)	3Q 17		2Q 17		1Q 17		4Q 16		3Q 16		2Q 17			3Q 16
Ending loan balance	$	118,871	$	120,528	$	119,002	$	118,944	$	114,959	$	(1,657	)	$	3,912
30+ Accruing DPD	$	2,167	$	1,879	$	1,612	$	2,246	$	1,934	$	288		$	233
30+ Accruing DPD %		1.82%		1.56%		1.35%		1.89%		1.68%
Non-performing loans (NPLs)	$	807	$	783	$	798	$	819	$	753	$	24		$	54
Net charge-offs (NCOs)	$	253	$	199	$	253	$	257	$	213	$	54		$	40
Net charge-off rate (2)		0.85%		0.66%		0.86%		0.88%		0.75%
Provision for loan losses	$	314	$	269	$	271	$	267	$	258	$	44		$	56
Allowance for loan losses (ALLL)	$	1,286	$	1,225	$	1,155	$	1,144	$	1,134	$	61		$	152
ALLL as % of Loans (3) (4)		1.1%		1.0%		1.0%		1.0%		1.0%
ALLL as % of NPLs (3)		159%		156%		145%		140%		150%
ALLL as % of NCOs (3)		127%		154%		114%		111%		133%
US Auto Delinquencies - HFI Retail Contract $’s (5)
Delinquent contract $	$	2,043	$	1,811	$	1,552	$	2,160	$	1,823	$	233		$	220
% of retail contract $ outstanding		3.05%		2.71%		2.36%		3.28%		2.81%
U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $’s
Net charge-offs	$	242	$	199	$	251	$	255	$	219	$	44		$	23
% of avg. HFI assets (2)		1.45%		1.20%		1.54%		1.56%		1.37%
U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $’s
Net charge-offs	$	1	$	0	$	0	$	1	$	0	$	1		$	1
% of avg. HFI assets (2)		0.01%		0.00%		0.00%		0.01%		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 fair value adjustment $24 million in 3Q17, $28 million in 2Q17, $34 million in 1Q17, $43 million in 4Q16 and $66 million in 3Q16.

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

Note: May not foot due to rounding.

3Q 2017 Preliminary Results 15

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED

($ in millions)

CONTINUING OPERATIONS

Automotive Finance (1)	QUARTERLY TRENDS										CHANGE VS.
Consumer	3Q 17		2Q 17		1Q 17		4Q 16		3Q 16		2Q 17			3Q 16
Allowance for loan losses	$	1,074	$	1,002	$	941	$	932	$	912	$	72		$	162
Total consumer loans (2)	$	67,077	$	66,774	$	65,663	$	65,793	$	64,816	$	302		$	2,261
Coverage ratio (3)		1.6%		1.5%		1.4%		1.4%		1.4%
Commercial
Allowance for loan losses	$	60	$	64	$	58	$	57	$	57	$	(3	)	$	3
Total commercial loans	$	36,005	$	38,840	$	38,903	$	38,853	$	36,036	$	(2,835	)	$	(31	)
Coverage ratio		0.2%		0.2%		0.1%		0.1%		0.2%
Mortgage (1)
Consumer
Mortgage Finance
Allowance for loan losses	$	16	$	12	$	11	$	11	$	19	$	4		$	(3	)
Total consumer loans	$	9,760	$	8,866	$	8,331	$	8,294	$	7,931	$	894		$	1,829
Coverage ratio		0.2%		0.1%		0.1%		0.1%		0.2%
Mortgage - Legacy
Allowance for loan losses	$	65	$	71	$	75	$	80	$	81	$	(5	)	$	(16	)
Total consumer loans	$	2,255	$	2,428	$	2,606	$	2,756	$	2,926	$	(173	)	$	(671	)
Coverage ratio		2.9%		2.9%		2.9%		2.9%		2.8%
Total Mortgage
Allowance for loan losses	$	81	$	83	$	86	$	91	$	100	$	(2	)	$	(19	)
Total consumer loans	$	12,015	$	11,294	$	10,937	$	11,050	$	10,857	$	721		$	1,158
Coverage ratio		0.7%		0.7%		0.8%		0.8%		0.9%
Corporate Finance (1)
Allowance for loan losses	$	69	$	75	$	68	$	62	$	62	$	(6	)	$	7
Total commercial loans	$	3,703	$	3,553	$	3,432	$	3,180	$	3,182	$	150		$	522
Coverage ratio		1.9%		2.1%		2.0%		2.0%		2.0%
Corporate and Other (1)
Allowance for loan losses	$	2	$	1	$	2	$	2	$	3	$	1		$	(1	)
Total commercial loans	$	71	$	67	$	67	$	68	$	68	$	5		$	3
Coverage ratio		2.2%		1.3%		2.6%		2.6%		3.7%

(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 $24 million of fair value adjustment for loans in hedge accounting relationships in 3Q17, $28 million in 2Q17, $34 million in 1Q17, $43 million in 4Q16 and $66 million in 3Q16.

(3) Excludes $24 million of fair value adjustment for loans in hedge accounting relationships in 3Q17, $28 million in 2Q17, $34 million in 1Q17, $43 million in 4Q16 and $66 million in 3Q16.

Note: May not foot due to rounding.

3Q 2017 Preliminary Results 16

ALLY FINANCIAL INC. CAPITAL

($ in billions)

	QUARTERLY TRENDS															CHANGE VS.
	Basel III Transition
Capital (1)	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Risk-weighted assets	$	135.6		$	137.9		$	137.4		$	138.5		$	135.5		$	(2.3	)	$	0.1
Common Equity Tier 1 (CET1) capital ratio (2)		9.7%			9.5%			9.4%			9.4%			9.5%
Tier 1 capital ratio		11.5%			11.2%			11.1%			10.9%			11.1%
Total capital ratio		13.2%			12.8%			12.7%			12.6%			12.8%
Tangible common equity / Tangible assets (3)(4)		8.1%			8.0%			8.1%			8.0%			8.5%
Tangible common equity / Risk-weighted assets (3)		9.8%			9.6%			9.5%			9.4%			9.8%
Shareholders’ equity	$	13.6		$	13.5		$	13.4		$	13.3		$	13.6		$	0.1		$	-
less:    Disallowed DTA		(0.3	)		(0.4	)		(0.5	)		(0.4	)		(0.4	)		0.1			0.1
Certain AOCI items and other adjustments		(0.1	)		-			0.1			0.1			(0.3	)		(0.1	)		0.2
Common Equity Tier 1 capital (2)	$	13.2		$	13.1		$	12.9		$	13.0		$	12.9		$	0.1		$	0.3
Common Equity Tier 1 capital	$	13.2		$	13.1		$	12.9		$	13.0		$	12.9		$	0.1		$	0.3
add:    Trust preferred securities		2.5			2.5			2.5			2.5			2.5			-			-
less:    Other adjustments		(0.1	)		(0.1	)		(0.2	)		(0.3	)		(0.3	)		-			0.2
Tier 1 capital	$	15.5		$	15.4		$	15.2		$	15.1		$	15.1		$	0.1		$	0.4
Tier 1 capital	$	15.5		$	15.4		$	15.2		$	15.1		$	15.1		$	0.1		$	0.4
add:    Qualifying subordinated debt and redeemable preferred stock		1.1			1.1			1.1			1.2			1.2			-			(0.1	)
Allowance for loan and lease losses includible in Tier 2 capital and other adjustments		1.2			1.2			1.1			1.1			1.1			-			0.1
Total capital	$	17.9		$	17.7		$	17.5		$	17.4		$	17.3		$	0.2		$	0.6
Total shareholders’ equity	$	13.6		$	13.5		$	13.4		$	13.3		$	13.6		$	0.1		$	-
Goodwill and intangible assets, net of deferred tax liabilities		(0.3	)		(0.3	)		(0.3	)		(0.3	)		(0.3	)		0.0			-
Tangible common equity (3)	$	13.3		$	13.2		$	13.1		$	13.0		$	13.3		$	0.1		$	-
Total assets	$	164.0		$	164.3		$	162.1		$	163.7		$	157.4		$	(0.3	)	$	6.6
less:    Goodwill and intangible assets, net of deferred tax liabilities		(0.3	)		(0.3	)		(0.3	)		(0.3	)		(0.3	)		0.0			-
Tangible assets (4)	$	163.7		$	164.1		$	161.8		$	163.4		$	157.1		$	(0.4	)	$	6.6
Regulatory Capital - Basel III transition to fully phased-in
Numerator
Common equity tier 1 capital (transition)	$	13.2		$	13.1		$	12.9		$	13.0		$	12.9
DTAs arising from NOL and tax credit carryforwards phased-in during transition		(0.1	)		(0.1	)		(0.1	)		(0.3	)		(0.3	)
Intangibles phased-in during transition		(0.0	)		(0.0	)		(0.0	)		(0.0	)		(0.0	)
Common equity tier 1 capital (fully phased-in)	$	13.1		$	13.0		$	12.8		$	12.7		$	12.6
Denominator
Risk-weighted assets (transition)	$	135.6		$	137.9		$	137.4		$	138.5		$	135.5
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			0.4			0.4			0.5			0.5
Intangibles phased in during transition		(0.0	)		(0.0	)		(0.0	)		(0.0	)		(0.0	)
Risk-weighted assets (fully phased-in)	$	136.0		$	138.4		$	137.9		$	139.0		$	136.0
Metric
Common equity tier 1 (transition)		9.7%			9.5%			9.4%			9.4%			9.5%
Common equity tier 1 (fully phased-in) (2)		9.6%			9.4%			9.3%			9.1%			9.3%

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.

3Q 2017 Preliminary Results 17

ALLY FINANCIAL INC. LIQUIDITY

($ in billions)

	9/30/2017				6/30/2017					9/30/2016
Available Liquidity	Parent (1)		Ally Bank		Parent (1)		Ally Bank			Parent (1)		Ally Bank
Cash and cash equivalents (2)	$	1.9	$	2.4	$	1.7	$	2.2		$	1.9	$	1.9
Highly liquid securities (3)		1.6		10.9		1.6		12.9			1.7		8.2
Current committed unused capacity		2.8		2.3		2.3		0.3			2.8		0.7
Subtotal	$	6.3	$	15.6	$	5.6	$	15.4		$	6.4	$	10.7
Ally Bank intercompany loan (4)		-		-		0.3		(0.3	)		0.3		(0.3	)
Total Current Available Liquidity	$	6.3	$	15.6	$	5.9	$	15.1		$	6.7	$	10.4
Unsecured Long-Term Debt Maturity Profile	2017		2018		2019		2020			2021		2022 and after
Consolidated remaining maturities (5)	$	1.6	$	3.6	$	1.7	$	2.3		$	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 Core OID

3Q 2017 Preliminary Results 18

ALLY FINANCIAL INC. NET INTEREST MARGIN AND DEPOSITS

($ in millions)

	QUARTERLY TRENDS										CHANGE VS.
Average Balance Details	3Q 17		2Q 17		1Q 17		4Q 16		3Q 16		2Q 17			3Q 16
Retail Auto Loan	$	66,909	$	65,995	$	65,579	$	65,209	$	64,223	$	914		$	2,686
Auto Lease (net of dep)		9,320		10,109		10,931		12,099		13,232		(789	)		(3,912	)
Commercial Auto		36,998		38,634		38,019		37,386		34,905		(1,636	)		2,093
Corporate Finance		3,558		3,562		3,394		3,273		3,115		(4	)		443
Mortgage		11,521		10,980		10,982		10,901		11,052		541			469
Cash, Securities and Other		28,330		25,798		23,972		22,699		20,669		2,532			7,661
Total Earning Assets	$	156,636	$	155,078	$	152,877	$	151,567	$	147,196	$	1,558		$	9,440
Interest Revenue		1,816		1,767		1,661		1,650		1,652		49			164
Unsecured Debt (4)	$	19,543	$	20,040	$	20,957	$	21,346	$	21,714	$	(497	)	$	(2,171	)
Secured Debt		23,060		26,778		28,002		29,788		32,343		(3,718	)		(9,283	)
Deposits (2)		88,221		84,887		82,253		77,046		74,263		3,334			13,958
Other Borrowings (3)		15,705		14,153		13,053		14,391		10,834		1,552			4,871
Total Funding Sources (1)	$	146,529	$	145,858	$	144,265	$	142,571	$	139,154	$	671		$	7,375
Interest Expense		717		683		666		659		641		34			76
Net Financing Revenue (ex. OID)	$	1,099	$	1,084	$	995	$	991	$	1,011	$	15		$	88
Net Interest Margin (yield details)
Retail Auto Loan		5.82%		5.80%		5.66%		5.64%		5.58%		0.02%			0.24%
Auto Lease (net of dep)		6.90%		6.63%		5.71%		5.75%		7.25%		0.27%			-0.35%
Commercial Auto		3.66%		3.37%		3.24%		3.05%		3.03%		0.29%			0.63%
Corporate Finance		6.91%		7.99%		6.45%		6.56%		6.39%		-1.08%			0.52%
Mortgage		3.44%		3.47%		3.47%		3.25%		3.24%		-0.03%			0.20%
Cash, Securities and Other		2.37%		2.39%		2.35%		2.10%		2.00%		-0.02%			0.37%
Total Earning Assets		4.60%		4.57%		4.41%		4.33%		4.46%		0.03%			0.14%
Unsecured Debt		5.10%		5.06%		5.07%		4.99%		4.87%		0.04%			0.23%
Secured Debt		2.15%		2.02%		1.94%		1.74%		1.62%		0.13%			0.53%
Deposits		1.28%		1.18%		1.14%		1.15%		1.14%		0.10%			0.14%
Other Borrowings (3)		1.41%		1.28%		1.21%		1.08%		1.14%		0.13%			0.27%
Total Funding Sources (1)		1.94%		1.88%		1.87%		1.84%		1.83%		0.06%			0.11%
NIM (as reported)		2.74%		2.76%		2.60%		2.56%		2.69%		-0.02%			0.05%
NIM (excluding OID) (1)		2.78%		2.80%		2.64%		2.60%		2.73%		-0.02%			0.05%
Key Deposit Statistics
Average retail CD maturity (months)		26.9		29.2		29.8		30.7		31.1		(2.3	)		(4.2	)
Average retail deposit rate		1.23%		1.12%		1.09%		1.10%		1.10%
Ally Financial Deposits Levels
Ally Bank retail	$	74,928	$	71,094	$	69,971	$	66,584	$	63,880	$	3,834		$	11,048
Ally Bank brokered		15,044		14,937		14,327		12,187		11,570		107			3,474
Other		143		152		188		251		294		(8	)		(150	)
Total deposits	$	90,116	$	86,183	$	84,486	$	79,022	$	75,744	$	3,933		$	14,372
Ally Bank Deposit Mix
Retail CD		30.9%		27.4%		26.1%		27.7%		27.9%
MMA/OSA/Checking		52.4%		55.1%		56.7%		56.8%		56.8%
Brokered		16.7%		17.5%		17.2%		15.5%		15.3%

(1) Excludes Core OID

(2) Includes brokered deposits. Includes average noninterest-bearing deposits of $106 million in 3Q17, $95 million in 2Q17, $93 million in 1Q17, $96 million in 4Q16 and $97 million in 3Q16.

(3) Includes Demand Notes, FHLB Borrowings and Repurchase Agreements

(4) Includes private unsecured committed credit facility

3Q 2017 Preliminary Results 19

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

($ in billions)

	HISTORICAL QUARTERLY TRENDS
Mortgage Finance HFI Portfolio	3Q 17		2Q 17		1Q 17		4Q 16		3Q 16
Loan Value
Gross carry value	$	9.8	$	8.9	$	8.3	$	8.3	$	7.9
Net carry value	$	9.7	$	8.9	$	8.3	$	8.3	$	7.9
Estimated Pool Characteristics
% Second lien		0.0%		0.0%		0.0%		0.0%		0.0%
% Interest only		0.2%		0.2%		0.3%		0.3%		0.3%
% 30+ Day delinquent		0.8%		0.5%		0.5%		0.6%		0.9%
% Low/No documentation		0.0%		0.0%		0.0%		0.0%		0.0%
% Non-primary residence		4.0%		3.9%		3.7%		3.8%		3.4%
Refreshed FICO		772		773		770		772		772
Wtd. Avg. LTV/CLTV (1)		61.2%		60.5%		58.8%		59.7%		60.6%
Corporate Other Legacy Mortgage HFI Portfolio
Loan Value
Gross carry value	$	2.3	$	2.4	$	2.6	$	2.8	$	2.9
Net carry value	$	2.2	$	2.4	$	2.5	$	2.7	$	2.8
Estimated Pool Characteristics
% Second lien		16.5%		17.1%		17.4%		17.7%		18.1%
% Interest only		0.9%		2.4%		5.0%		6.8%		8.7%
% 30+ Day delinquent		5.3%		4.5%		4.0%		4.4%		4.1%
% Low/No documentation		22.7%		22.6%		22.5%		22.6%		22.8%
% Non-primary residence		7.5%		7.5%		7.4%		7.4%		7.4%
Refreshed FICO		729		730		728		730		730
Wtd. Avg. LTV/CLTV (1)		72.3%		73.1%		73.3%		74.1%		76.6%

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

3Q 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	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Net income available to common shareholders	$	282		$	252		$	214		$	248		$	209		$	30		$	73
Weighted-average shares outstanding - basic (1)		449,169			457,891			465,961			472,502			482,393			(8,723	)		(33,224	)
Weighted-average shares outstanding - diluted (1)		451,078			458,819			466,829			474,505			483,575			(7,741	)		(32,497	)
Issued shares outstanding (period-end)		443,796			452,292			462,193			467,000			475,470			(8,496	)		(31,674	)
Net income (loss) per share - basic (1)	$	0.63		$	0.55		$	0.46		$	0.53		$	0.43		$	0.07		$	0.19
Net income (loss) per share - diluted (1)	$	0.63		$	0.55		$	0.46		$	0.52		$	0.43		$	0.08		$	0.19
Adjusted Earnings per Share (“Adjusted EPS”)
Numerator
GAAP net income available to common shareholders	$	282		$	252		$	214		$	248		$	209		$	30		$	73
less: Disc Ops, net of tax		(2	)		2			(1	)		(2	)		52			(4	)		(54	)
add back: Core original issue discount expense (“Core OID expense”)		18			17			16			15			15			1			3
less: Core OID & Repo. (tax rate 35%)		(6	)		(6	)		(6	)		(5	)		(5	)		(0	)		(1	)
Core net income available to common shareholders (2)	$	292		$	265		$	224		$	256		$	271		$	27		$	21
Denominator
Weighted-Average Shares Outstanding - (Diluted, thousands)		451,078			458,819			466,829			474,505			483,575			(7,741	)		(32,497	)
Adjusted EPS (3)	$	0.65		$	0.58		$	0.48		$	0.54		$	0.56		$	0.07		$	0.09
Memo: Core OID Walk
Original Issue Discount Expense
($ millions)
Core original issue discount expense (4)	$	18		$	17		$	16		$	15		$	15		$	1		$	3
Other OID		5			5			5			5			6			0			(1	)
GAAP original issue discount expense	$	23		$	22		$	21		$	21		$	21		$	1		$	2
Unamortized Original Issue Discount
($ millions)
Core unamortized original issue discount	$	(1,197	)	$	(1,215	)	$	(1,232	)	$	(1,249	)	$	(1,264	)	$	18		$	67
Other unamortized OID		(62	)		(67	)		(72	)		(77	)		(83	)		5			20
GAAP unamortized original issue discount	$	(1,259	)	$	(1,282	)	$	(1,304	)	$	(1,326	)	$	(1,347	)	$	23		$	88

(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, Core 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 core original issue discount (OID), (c) 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.

(4) Excludes accelerated OID

3Q 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	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Numerator
GAAP Common shareholder’s equity	$	13.6		$	13.5		$	13.4		$	13.3		$	13.6		$	0.1		$	(0.1	)
less: Goodwill and identifiable intangibles, net of DTLs		(0.3	)		(0.3	)		(0.3	)		(0.3	)		(0.3	)		0.0			0.0
Tangible common equity		13.3			13.2			13.1			13.0			13.3			0.1			(0.0	)
less: Tax-effected bond Core OID (tax rate 35%)		(0.8	)		(0.8	)		(0.8	)		(0.8	)		(0.8	)		0.0			0.0
Adjusted tangible book value (1)	$	12.5		$	12.4		$	12.3		$	12.2		$	12.5		$	0.1		$	(0.0	)
Denominator
Issued shares outstanding (period-end, thousands)		443,796			452,292			462,193			467,000			475,470			(8,496	)		(31,674	)
GAAP Common shareholder’s equity per share	$	30.6		$	29.8		$	28.9		$	28.5		$	28.7			0.8			1.9
less: Goodwill and identifiable intangibles, net of DTLs per share		(0.6	)		(0.6	)		(0.6	)		(0.6	)		(0.6	)		(0.0	)		(0.0	)
Tangible common equity per share		29.9			29.2			28.3			27.9			28.0			0.8			1.9
less: Tax-effected bond Core OID (tax rate 35%) per share		(1.8	)		(1.7	)		(1.7	)		(1.7	)		(1.7	)		(0.0	)		(0.0	)
Adjusted tangible book value per share (1)	$	28.2		$	27.4		$	26.6		$	26.2		$	26.3		$	0.8		$	1.9

(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 Core 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, and (b) tax-effected bond Core OID to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered

3Q 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”)	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Numerator
GAAP net income available to common shareholders	$	282		$	252		$	214		$	248		$	209		$	30		$	73
less: Disc Ops, net of tax		(2	)		2			(1	)		(2	)		52			(4	)		(54	)
add back: Core original issue discount expense (“OID expense”)		18			17			16			15			15			1			3
less: Core OID Tax (tax rate 35%)		(6	)		(6	)		(6	)		(5	)		(5	)		(0	)		(1	)
Core net income available to common shareholders (1)	$	292		$	265		$	224		$	256		$	271		$	27		$	21
Denominator (2-period average, $ billions)
GAAP shareholder’s equity	$	13.5		$	13.4		$	13.3		$	13.5		$	13.6		$	0.1		$	(0.1	)
less: Goodwill & identifiable intangibles, net of deferred tax liabilities (“DTLs”)		(0.3	)		(0.3	)		(0.3	)		(0.3	)		(0.3	)		0.0			(0.0	)
Tangible common equity	$	13.2		$	13.1		$	13.0		$	13.2		$	13.3		$	0.1		$	(0.1	)
less: Core unamortized original issue discount (“Core OID discount”)		(1.2	)		(1.2	)		(1.2	)		(1.3	)		(1.3	)		0.0			0.1
less: Net deferred tax asset (“DTA”)		(0.7	)		(0.9	)		(1.0	)		(1.0	)		(1.0	)		0.1			0.3
Normalized common equity (2)	$	11.3		$	11.1		$	10.8		$	10.9		$	11.0		$	0.2		$	0.3
Core ROTCE (3)		10.3%			9.6%			8.2%			9.4%			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, Core 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 is a non-GAAP measure 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 Core 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 Core OID, and net DTA.

3Q 2017 Preliminary Results 23

ALLY FINANCIAL INC. ADJUSTED EFFICIENCY RATIO RELATED INFORMATION

($ in millions)
	QUARTERLY TRENDS															CHANGE VS.
Adjusted Efficiency Ratio Calculation	3Q 17			2Q 17			1Q 17			4Q 16			3Q 16			2Q 17			3Q 16
Numerator
Total noninterest expense	$	753		$	810		$	778		$	721		$	735		$	(57	)	$	18
less: Rep and warrant expense		(0	)		(0	)		(0	)		(0	)		(2	)		—			1
less: Insurance expense		218			280			239			207			222			(62	)		(4	)
Adjusted noninterest expense	$	535		$	530		$	539		$	514		$	515		$	5		$	20
Denominator
Total net revenue	$	1,462		$	1,455		$	1,375		$	1,368		$	1,384		$	7		$	78
add: Core original issue discount expense		18			17			16			15			15			1			3
less: Insurance revenue		287			259			279			276			278			28			9
Adjusted net revenue	$	1,193		$	1,213		$	1,112		$	1,107		$	1,121		$	(20	)	$	72
Adjusted Efficiency Ratio (1)		44.9%			43.7%			48.5%			46.4%			45.9%

(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 Core 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.

3Q 2017 Preliminary Results 24