Ally Financial (ALLY) 8-K Ally Financial Reports Preliminary Fourth Quarter and Full Year 2013 Financial Results

Exhibit 99.3

FOURTH QUARTER 2013

FINANCIAL SUPPLEMENT

ALLY FINANCIAL INC.
FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION

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

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

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

Investors are cautioned not to place undue reliance on forward-looking statements. Ally undertakes no obligation to update publicly or otherwise revise any forward-looking statements, whether as a result of new information, future events or other such factors that affect the subject of these statements, except where expressly required by law. Reconciliation of non-GAAP financial measures included within this presentation are provided in this presentation.

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

4Q 2013 Preliminary Results 2

ALLY FINANCIAL INC.
TABLE OF CONTENTS

	Page(s)
Consolidated Results
Consolidated Financial Highlights	4
Consolidated Income Statement	5
Consolidated Period-End Balance Sheet	6
Consolidated Average Balance Sheet	7
Segment Detail
Segment Highlights	8
Automotive Finance	9-10
Insurance	11
Mortgage	12
Corporate and Other	13
Credit Related Information	14-16
Supplemental Detail
Capital	17
Liquidity	18
Deposits	19
Ally Bank Consumer Mortgage HFI Portfolio	20
Discontinued Operations	21
Ownership	22

4Q 2013 Preliminary Results 3

ALLY FINANCIAL INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS

($ in millions)
	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
Selected Income Statement Data
Net financing revenue (ex. OID)	$	841		$	801		$	689		$	697		$	667		$	40		$	174		$	3,028		$	2,227		$	801
Total other revenue		325			371			402			386			480			(46	)		(155	)		1,484			2,574			(1,090	)
Total net revenue (ex. OID)		1,166			1,172			1,091			1,083			1,147			(6	)		19			4,512			4,801			(289	)
Provision for loan losses		140			141			89			131			93			(1	)		47			501			329			172
Controllable expenses(1)		526			494			519			578			638			32			(112	)		2,116			2,299			(183	)
Other noninterest expenses		358			268			282			380			313			90			45			1,289			1,323			(34	)
Core pre-tax income (loss)(2)	$	142		$	269		$	201		$	(6	)	$	103		$	(127	)	$	39		$	606		$	850		$	(244	)
Core OID amortization expense (3)		67			64			61			57			56			3			11			249			336			(87	)
Income tax (benefit) expense		(4	)		28			40			(123	)		(887	)		(32	)		883			(59	)		(856	)		797
Income (loss) from discontinued operations		25			(86	)		(1,027	)		1,033			466			111			(441	)		(55	)		(174	)		119
Net income (loss)	$	104		$	91		$	(927	)	$	1,093		$	1,400		$	13		$	(1,296	)	$	361		$	1,196		$	(835	)
Selected Balance Sheet Data (Period-End)
Total assets	$	151,167		$	150,556		$	150,627		$	166,199		$	182,347		$	611		$	(31,180	)
Consumer loans		64,861			65,222			65,298			64,686			63,536			(361	)		1,325
Commercial loans(4)		35,467			30,059			31,695			34,437			35,519			5,408			(52	)
Assets of discontinued operations held-for-sale		516			5,913			5,529			19,063			32,176			(5,397	)		(31,660	)
Allowance for loan losses		(1,208	)		(1,198	)		(1,183	)		(1,197	)		(1,170	)		(10	)		(38	)
Deposits		53,350			52,031			50,125			50,326			47,915			1,319			5,435
Common equity(5)		12,953			12,121			12,225			13,534			12,958			832			(5	)
Total equity		14,208			19,061			19,165			20,474			19,898			(4,853	)		(5,690	)
Select Financial Ratios
Net interest margin(6)		2.4	%		2.3	%		2.0	%		2.1	%		1.9	%								2.2	%		1.7	%
Return on average total equity (annualized)		2.5	%		1.9	%		-18.7	%		21.7	%		29.6	%								1.9	%		6.3	%
Return on average assets (annualized)		0.3	%		0.2	%		-2.4	%		2.5	%		3.1	%								0.2	%		0.7	%
Capital Ratios
Tier 1 capital ratio		11.8	%		15.4	%		15.4	%		14.6	%		13.1	%
Tier 1 common capital ratio (7)		8.8	%		7.9	%		8.0	%		7.9	%		7.0	%
Total risk-based capital ratio		12.8	%		16.4	%		16.5	%		15.6	%		14.1	%

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

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

(3) Core Original Issuance Discount (OID) is primarily related to bond exchange OID; excludes IO and 2010 - 2013 issuances

(4) Includes notes receivable from General Motors

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

(6) Continuing operations only. Excludes OID amortization expense

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

4Q 2013 Preliminary Results 4

ALLY FINANCIAL INC.
CONSOLIDATED INCOME STATEMENT

($ in millions)
	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
Financing revenue and other interest income
Interest and fees on finance receivables and loans(1)	$	1,136		$	1,119		$	1,139		$	1,135		$	1,165		$	17		$	(29	)	$	4,529		$	4,539		$	(10	)
Interest on loans held-for-sale		1			-			3			16			24			1			(23	)		20			98			(78	)
Interest on trading securities		-			-			-			-			-			-			-			-			10			(10	)
Interest and dividends on available-for-sale investment securities		96			85			76			68			77			11			19			325			292			33
Interest-bearing cash		2			3			2			3			5			(1	)		(3	)		10			24			(14	)
Operating leases		855			832			788			734			680			23			175			3,209			2,379			830
Total financing revenue and other interest income		2,090			2,039			2,008			1,956			1,951			51			139			8,093			7,342			751
Interest expense
Interest on deposits		165			163			162			164			164			2			1			654			645			9
Interest on short-term borrowings		16			15			16			16			15			1			1			63			71			(8	)
Interest on long-term debt		589			609			703			701			768			(20	)		(179	)		2,602			3,336			(734	)
Total interest expense		770			787			881			881			947			(17	)		(177	)		3,319			4,052			(733	)
Depreciation expense on operating lease assets		546			515			499			435			393			31			153			1,995			1,399			596
Net financing revenue		774			737			628			640			611			37			163			2,779			1,891			888
Other revenue
Servicing fees		12			13			19			82			83			(1	)		(71	)		126			409			(283	)
Servicing asset valuation and hedge activities, net		-			-			(12	)		(201	)		(78	)		-			78			(213	)		(4	)		(209	)
Total servicing income, net		12			13			7			(119	)		5			(1	)		7			(87	)		405			(492	)
Insurance premiums and service revenue earned		244			251			258			259			262			(7	)		(18	)		1,012			1,055			(43	)
Gain on mortgage and automotive loans, net		3			15			(1	)		38			131			(12	)		(128	)		55			379			(324	)
Loss on extinguishment of debt		(17	)		(42	)		-			-			(148	)		25			131			(59	)		(148	)		89
Other gain on investments, net		24			41			64			51			16			(17	)		8			180			146			34
Other income, net of losses		59			93			74			157			214			(34	)		(155	)		383			737			(354	)
Total other revenue		325			371			402			386			480			(46	)		(155	)		1,484			2,574			(1,090	)
Total net revenue		1,099			1,108			1,030			1,026			1,091			(9	)		8			4,263			4,465			(202	)
Provision for loan losses		140			141			89			131			93			(1	)		47			501			329			172
Noninterest expense
Compensation and benefits expense		237			245			252			285			276			(8	)		(39	)		1,019			1,106			(87	)
Insurance losses and loss adjustment expenses		59			85			146			115			117			(26	)		(58	)		405			454			(49	)
Other operating expenses		588			432			403			558			558			156			30			1,981			2,062			(81	)
Total noninterest expense		884			762			801			958			951			122			(67	)		3,405			3,622			(217	)
Income (loss) from continuing operations before income tax expense		75			205			140			(63	)		47			(130	)		28			357			514			(157	)
Income tax (benefit) expense from continuing operations		(4	)		28			40			(123	)		(887	)		(32	)		883			(59	)		(856	)		797
Net income from continuing operations		79			177			100			60			934			(98	)		(855	)		416			1,370			(954	)
Income (loss) from discontinued operations, net of tax		25			(86	)		(1,027	)		1,033			466			111			(441	)		(55	)		(174	)		119
Net income (loss)	$	104		$	91		$	(927	)	$	1,093		$	1,400		$	13		$	(1,296	)	$	361		$	1,196		$	(835	)

(1) Includes other interest income, net

4Q 2013 Preliminary Results 5

ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			9/30/2013			12/31/2012
Assets
Cash and cash equivalents
Noninterest-bearing	$	1,315		$	1,063		$	1,292		$	1,043		$	1,073		$	252		$	242
Interest-bearing		4,216			5,486			6,482			6,394			6,440			(1,270	)		(2,224	)
Total cash and cash equivalents		5,531			6,549			7,774			7,437			7,513			(1,018	)		(1,982	)
Investment securities		17,083			17,967			17,015			15,752			14,178			(884	)		2,905
Loans held-for-sale, net		35			82			102			718			2,576			(47	)		(2,541	)
Finance receivables and loans, net																	-			-
Finance receivables and loans, net		100,328			95,281			96,993			99,123			99,055			5,047			1,273
Allowance for loan losses		(1,208	)		(1,198	)		(1,183	)		(1,197	)		(1,170	)		(10	)		(38	)
Total finance receivables and loans, net		99,120			94,083			95,810			97,926			97,885			5,037			1,235
Investment in operating leases, net		17,680			17,254			16,085			14,828			13,550			426			4,130
Mortgage servicing rights		-			-			-			917			952			-			(952	)
Premiums receivables and other insurance assets		1,613			1,649			1,611			1,608			1,609			(36	)		4
Other assets		9,589			7,059			6,701			7,950			11,908			2,530			(2,319	)
Assets of operations held-for-sale (1)		516			5,913			5,529			19,063			32,176			(5,397	)		(31,660	)
Total assets	$	151,167		$	150,556		$	150,627		$	166,199		$	182,347		$	611		$	(31,180	)
Liabilities
Deposit liabilities
Noninterest-bearing	$	60		$	66		$	72		$	844		$	1,977		$	(6	)	$	(1,917	)
Interest-bearing		53,290			51,965			50,053			49,482			45,938			1,325			7,352
Total deposit liabilities		53,350			52,031			50,125			50,326			47,915			1,319			5,435
Short-term borrowings		8,545			6,015			4,197			7,618			7,461			2,530			1,084
Long-term debt		69,465			60,701			64,534			67,621			74,561			8,764			(5,096	)
Interest payable		888			978			999			972			932			(90	)		(44	)
Unearned insurance premiums and service revenue		2,314			2,332			2,301			2,286			2,296			(18	)		18
Accrued expense and other liabilities		2,397			4,836			5,043			3,669			6,585			(2,439	)		(4,188	)
Liabilities of operations held-for-sale		-			4,602			4,263			13,233			22,699			(4,602	)		(22,699	)
Total liabilities	$	136,959		$	131,495		$	131,462		$	145,725		$	162,449		$	5,464		$	(25,490	)
Equity
Common stock and paid-in capital	$	20,939		$	19,669		$	19,668		$	19,668		$	19,668		$	1,270		$	1,271
Mandatorily convertible preferred stock held by U.S. Department of Treasury		-			5,685			5,685			5,685			5,685			(5,685	)		(5,685	)
Preferred stock		1,255			1,255			1,255			1,255			1,255			-			0
Accumulated deficit		(7,710	)		(7,365	)		(7,256	)		(6,128	)		(7,021	)		(345	)		(689	)
Accumulated other comprehensive (loss) income		(276	)		(183	)		(187	)		(6	)		311			(93	)		(587	)
Total equity		14,208			19,061			19,165			20,474			19,898			(4,853	)		(5,690	)
Total liabilities and equity	$	151,167		$	150,556		$	150,627		$	166,199		$	182,347		$	611		$	(31,180	)

(1) Assets and liabilities of discontinued operations were reclassified as held-for-sale in 4Q 2012

4Q 2013 Preliminary Results 6

ALLY FINANCIAL INC. CONSOLIDATED AVERAGE BALANCE SHEET⁽¹⁾

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			9/30/2013			12/31/2012			2013			2012			CHANGE
Assets
Interest-bearing cash and cash equivalents	$	5,908		$	7,150		$	6,059		$	6,565		$	8,970		$	(1,242	)	$	(3,062	)	$	6,412		$	10,610		$	(4,198	)
Trading assets		-			-			-			-			-			-			-			-			261			(261	)
Investment securities		16,522			15,724			14,580			13,921			13,051			798			3,471			15,195			12,336			2,859
Loans held-for-sale, net		39			67			297			2,027			2,899			(28	)		(2,860	)		600			2,759			(2,159	)
Total finance receivables and loans, net(2)		98,253			94,999			97,840			98,595			98,029			3,254			224			97,467			95,311			2,156
Investment in operating leases, net		17,514			16,744			15,616			14,205			13,125			770			4,389			16,028			11,185			4,843
Total interest earning assets		138,236			134,684			134,392			135,313			136,074			3,552			2,162			135,702			132,462			3,240
Noninterest-bearing cash and cash equivalents		1,319			1,546			1,708			1,967			1,623			(227	)		(304	)		1,628			1,794			(166	)
Other assets(3)		11,268			15,463			16,698			38,257			46,982			(4,195	)		(35,714	)		20,298			50,719			(30,421	)
Allowance for loan losses		(1,205	)		(1,197	)		(1,197	)		(1,172	)		(1,189	)		(8	)		(16	)		(1,192	)		(1,234	)		42
Total assets	$	149,618		$	150,496		$	151,601		$	174,365		$	183,490		$	(878	)	$	(33,872	)	$	156,436		$	183,741		$	(27,305	)
Liabilities
Interest-bearing deposit liabilities	$	52,298		$	50,886		$	49,522		$	47,985		$	44,296		$	1,412		$	8,002		$	50,188		$	42,478		$	7,710
Short-term borrowings		6,268			4,505			3,937			4,585			4,259			1,763			2,009			4,858			3,852			1,006
Long-term debt(4)		65,983			63,333			65,450			71,957			78,202			2,650			(12,219	)		66,634			77,057			(10,423	)
Total interest-bearing liabilities(4)		124,549			118,724			118,909			124,527			126,757			5,825			(2,208	)		121,680			123,387			(1,707	)
Noninterest-bearing deposit liabilities		66			67			274			1,579			2,228			(1	)		(2,162	)		536			2,261			(1,725	)
Other liabilities(3)		8,351			12,664			12,600			28,087			35,568			(4,313	)		(27,217	)		15,448			39,173			(23,725	)
Total liabilities	$	132,966		$	131,455		$	131,783		$	154,193		$	164,553		$	1,511		$	(31,587	)	$	137,664		$	164,821		$	(27,157	)
Equity
Total equity	$	16,652		$	19,041		$	19,818		$	20,172		$	18,937		$	(2,389	)	$	(2,285	)	$	18,772		$	18,920		$	(148	)
Total liabilities and equity	$	149,618		$	150,496		$	151,601		$	174,365		$	183,490		$	(878	)	$	(33,872	)	$	156,436		$	183,741		$	(27,305	)

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

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

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

(4) QTD: Average balance includes $1,566 million and $1,809 million related to original issue discount at December 2013 and December 2012, respectively

4Q 2013 Preliminary Results 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
Automotive Finance	$	207		$	339		$	382		$	343		$	371		$	(132	)	$	(164	)	$	1,271		$	1,389		$	(118	)
Insurance		65			83			45			61			27			(18	)		38			254			160			94
Dealer Financial Services		272			422			427			404			398			(150	)		(126	)		1,525			1,549			(24	)
Mortgage		(7	)		(4	)		(43	)		(204	)		99			(3	)		(106	)		(258	)		595			(853	)
Corporate and Other (ex. OID)(1)		(123	)		(149	)		(183	)		(206	)		(394	)		26			271			(661	)		(1,294	)		633
Core pre-tax income (loss)(2)	$	142		$	269		$	201		$	(6	)	$	103		$	(127	)	$	39		$	606		$	850		$	(244	)
Core OID amortization expense		67			64			61			57			56			3			11			249			336			(87	)
Income tax expense (benefit)		(4	)		28			40			(123	)		(887	)		(32	)		883			(59	)		(856	)		797
Income (loss) from discontinued operations		25			(86	)		(1,027	)		1,033			466			111			(441	)		(55	)		(174	)		119
Net income (loss)	$	104		$	91		$	(927	)	$	1,093		$	1,400		$	13		$	(1,296	)	$	361		$	1,196		$	(835	)

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

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

4Q 2013 Preliminary Results 8

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS

($ in millions)

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013		2012		CHANGE
Income Statement
Net financing revenue
Consumer	$	762		$	763		$	750		$	729		$	739		$	(1	)	$	23		$	3,004	$	2,827	$	177
Commercial(1)		266			246			268			281			294			20			(28	)		1,061		1,152		(91	)
Loans held-for-sale		-			-			-			-			-			-			-			-		15		(15	)
Operating leases		855			832			788			734			680			23			175			3,209		2,379		830
Other interest income		4			5			6			7			10			(1	)		(6	)		22		52		(30	)
Total financing revenue and other interest income		1,887			1,846			1,812			1,751			1,723			41			164			7,296		6,425		871
Interest expense		532			531			536			543			554			1			(22	)		2,142		2,199		(57	)
Depreciation expense on operating lease assets		546			515			499			435			393			31			153			1,995		1,399		596
Net financing revenue		809			800			777			773			776			9			33			3,159		2,827		332
Other revenue
Servicing fees		10			13			16			19			23			(3	)		(13	)		58		109		(51	)
Gain on automotive loans, net		-			-			-			-			-			-			-			-		41		(41	)
Other income		51			52			44			63			35			(1	)		16			210		172		38
Total other revenue		61			65			60			82			58			(4	)		3			268		322		(54	)
Total net revenue		870			865			837			855			834			5			36			3,427		3,149		278
Provision for loan losses		144			150			88			112			59			(6	)		85			494		253		241
Noninterest expense
Compensation and benefits		123			110			104			113			112			13			11			450		416		34
Other operating expenses		396			266			263			287			292			130			104			1,212		1,091		121
Total noninterest expense		519			376			367			400			404			143			115			1,662		1,507		155
Income before income tax expense	$	207		$	339		$	382		$	343		$	371		$	(132	)	$	(164	)	$	1,271	$	1,389	$	(118	)
Balance Sheet (Period-End)(2)
Cash, trading and investment securities	$	36		$	10		$	10		$	10		$	10		$	26		$	26
Loans held-for-sale		-			-			-			-			-			-			-
Finance receivables and loans, net:
Consumer loans		56,416			56,447			56,028			55,014			53,715			(31	)		2,701
Commercial loans(1)		33,888			28,525			30,263			31,944			32,894			5,363			994
Allowance for loan losses		(769	)		(741	)		(706	)		(698	)		(670	)		(28	)		(99	)
Total finance receivables and loans, net	$	89,535		$	84,231		$	85,585		$	86,260		$	85,939		$	5,304		$	3,596
Investment in operating leases, net		17,680			17,254			16,085			14,828			13,550			426			4,130
Other assets		1,545			1,300			821			1,165			1,389			245			156
Assets of operations held-for-sale		516			5,814			4,984			16,619			27,523			(5,298	)		(27,007	)
Total assets	$	109,312		$	108,609		$	107,485		$	118,882		$	128,411		$	703		$	(19,099	)

(1) Includes notes receivable from General Motors and intercompany

(2) Assets of International Operations were classified as held for sale beginning in Q4 2012

4Q 2013 Preliminary Results 9

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
U.S. Market
SAAR (units in millions)		15.6			15.7			15.3			15.2			15.0			(0.1	)		0.6			15.5			14.5			1.0
Industry light vehicle sales(units in millions)		3.8			3.9			4.1			3.7			3.6			(0.1	)		0.2			15.5			14.4			1.1
GM market share		17.6	%		17.7	%		18.4	%		18.1	%		17.6	%								17.9	%		18.0	%
Chrysler market share		11.7	%		11.4	%		11.7	%		11.7	%		11.2	%								11.6	%		11.4	%
U.S. Consumer Originations(1)($ in billions)
GM new retail subvented	$	0.8		$	1.1		$	1.3		$	1.3		$	1.4		$	(0.2	)	$	(0.6	)	$	4.4		$	6.0		$	(1.5	)
GM new retail standard		1.5			1.7			1.6			1.5			1.5			(0.2	)		0.0			6.3			6.2			0.1
Chrysler new retail subvented		0.0			-			0.2			0.2			0.3			0.0			(0.3	)		0.4			2.0			(1.6	)
Chrysler new retail standard		0.7			0.8			1.0			1.0			1.1			(0.1	)		(0.4	)		3.5			4.4			(1.0	)
Diversified new		0.5			0.6			0.6			0.5			0.5			(0.1	)		0.1			2.3			2.2			0.1
Lease		2.3			2.8			2.8			2.7			2.1			(0.6	)		0.1			10.6			8.4			2.2
Used		2.3			2.6			2.5			2.5			2.1			(0.3	)		0.3			9.9			9.6			0.3
Total originations	$	8.2		$	9.6		$	9.8		$	9.7		$	8.9		$	(1.4	)	$	(0.7	)	$	37.3		$	38.7		$	(1.4	)
U.S. Consumer Penetration
GM		26.5	%		28.4	%		29.4	%		30.6	%		28.4	%								28.7	%		29.9	%
Chrysler		10.1	%		9.8	%		15.6	%		23.6	%		22.0	%								14.4	%		25.9	%
U.S. Commercial Outstandings EOP($ in billions)
Floorplan outstandings, net	$	30.1		$	24.8		$	26.6		$	28.5		$	29.5		$	5.3		$	0.6
Other dealer loans		3.7			3.6			3.6			3.4			3.3			0.1			0.4
Total Commercial outstandings	$	33.8		$	28.5		$	30.2		$	31.9		$	32.8		$	5.4		$	1.0
U.S. Floorplan Penetration(2)
GM penetration		64.9	%		66.5	%		68.0	%		68.6	%		69.2	%								66.6	%		70.6	%
Chrysler penetration		46.8	%		49.0	%		52.4	%		53.9	%		54.9	%								50.4	%		58.3	%
U.S. Off-Lease Remarketing
Sales proceeds on scheduled lease terminations (36-month) per vehicle - On-balance sheet	$	19,797		$	18,017		$	16,705		$	16,306		$	17,122		$	1,780		$	2,675		$	17,660		$	17,438		$	222
Off-lease vehicles terminated - On-balance sheet(# in units)		45,693			36,811			34,159			31,924			19,789			8,882			25,904			148,587			63,317			85,270

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

(2) Penetration rates are based on the trailing four month average for the quarter and trailing 13 month average for the year

4Q 2013 Preliminary Results 10

ALLY FINANCIAL INC. INSURANCE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS
($ in millions)

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
Income Statement
Insurance premiums and other income
Insurance premiums and service revenue earned	$	244		$	251		$	258		$	259		$	262		$	(7	)	$	(18	)	$	1,012		$	1,055		$	(43	)
Investment income		37			55			77			58			34			(18	)		3			227			124			103
Other income		3			3			5			3			5			-			(2	)		14			35			(21	)
Total insurance premiums and other income		284			309			340			320			301			(25	)		(17	)		1,253			1,214			39
Expense
Insurance losses and loss adjustment expenses		59			85			146			115			117			(26	)		(58	)		405			454			(49	)
Acquisition and underwriting expenses
Compensation and benefit expense		16			15			16			15			16			1			-			62			61			1
Insurance commission expense		92			93			94			92			96			(1	)		(4	)		370			382			(12	)
Other expense		52			33			39			37			45			19			7			162			157			5
Total acquisition and underwriting expense		160			141			149			144			157			19			3			594			600			(6	)
Total expense		219			226			295			259			274			(7	)		(55	)		999			1,054			(55	)
Income from cont. ops before income tax expense	$	65		$	83		$	45		$	61		$	27		$	(18	)	$	38		$	254		$	160		$	94
Balance Sheet (Period-End)
Cash, trading and investment securities	$	5,295		$	5,433		$	5,466		$	5,510		$	5,144		$	(138	)	$	151
Finance receivables and loans, net		-			-			5			5			5			-			(5	)
Premiums receivable and other insurance assets		1,624			1,657			1,620			1,617			1,619			(33	)		5
Other assets		205			233			245			240			513			(28	)		(308	)
Assets of operations held-for-sale		-			-			-			959			1,158			-			(1,158	)
Total assets	$	7,124		$	7,323		$	7,336		$	8,331		$	8,439		$	(199	)	$	(1,315	)
Key Statistics (Continuing Operations)
Written Premiums
Dealer Products & Services(1)	$	225		$	267		$	276		$	233		$	239		$	(42	)	$	(14	)	$	1,000		$	1,057		$	(57	)
Corporate		0			0			(4	)		1			1			-			(1	)		(3	)		4			(7	)
Total written premiums and revenue	$	225		$	267		$	271		$	234		$	240		$	(42	)	$	(15	)	$	997		$	1,061		$	(64	)
Loss ratio		23.7	%		33.7	%		56.3	%		44.1	%		44.8	%								39.7	%		42.4	%
Underwriting expense ratio		65.3	%		55.9	%		56.6	%		55.5	%		59.3	%								58.3	%		55.9	%
Combined ratio		89.0	%		89.6	%		112.9	%		99.7	%		104.1	%								98.0	%		98.3	%

(1) Includes Canadian Personal Lines totaling $3 million for 4Q12 and $58 million for full year 2012

4Q 2013 Preliminary Results 11

ALLY FINANCIAL INC. MORTGAGE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS
($ in millions)

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
Income Statement
Net financing revenue
Total financing revenue and other interest income	$	80		$	83		$	93		$	122		$	146		$	(3	)	$	(66	)	$	378		$	617		$	(239	)
Interest expense		66			70			78			88			108			(4	)		(42	)		302			468			(166	)
Net financing revenue		14			13			15			34			38			1			(24	)		76			149			(73	)
Servicing fees		2			-			3			63			60			2			(58	)		68			300			(232	)
Servicing asset valuation and hedge activities, net		-			-			(12	)		(201	)		(78	)		-			78			(213	)		(4	)		(209	)
Total servicing income, net		2			-			(9	)		(138	)		(18	)		2			20			(145	)		296			(441	)
Gain on mortgage loans, net		3			15			(1	)		38			131			(12	)		(128	)		55			375			(320	)
Other income, net of losses		1			4			4			81			143			(3	)		(142	)		90			488			(398	)
Total other revenue		6			19			(6	)		(19	)		256			(13	)		(250	)		-			1,159			(1,159	)
Total net revenue		20			32			9			15			294			(12	)		(274	)		76			1,308			(1,232	)
Provision for loan losses		(1	)		(12	)		6			20			33			11			(34	)		13			86			(73	)
Noninterest expense
Compensation and benefits expense		4			7			3			25			29			(3	)		(25	)		39			96			(57	)
Representation and warranty expense		1			22			(2	)		83			(0	)		(21	)		1			104			171			(67	)
Other operating expense		23			19			45			91			133			4			(110	)		178			360			(182	)
Total noninterest expense		28			48			46			199			162			(20	)		(134	)		321			627			(306	)
Income (loss) from cont. ops before income tax expense	$	(7	)	$	(4	)	$	(43	)	$	(204	)	$	99		$	(3	)	$	(106	)	$	(258	)	$	595		$	(853	)
Balance Sheet (Period-End)
Cash, trading and investment securities	$	-		$	-		$	-		$	-		$	-		$	-		$	-
Loans held-for-sale		16			63			56			701			2,490			(47	)		(2,474	)
Finance receivables and loans, net:
Consumer loans		8,444			8,772			9,270			9,672			9,821			(328	)		(1,377	)
Commercial loans		-			-			-			-			-			-			-
Allowance for loan losses		(389	)		(407	)		(431	)		(451	)		(452	)		18			63
Total finance receivables and loans, net	$	8,055		$	8,365		$	8,839		$	9,221		$	9,369		$	(310	)	$	(1,314	)
Mortgage servicing rights		-			-			-			917			952			-			(952	)
Other assets(1)		97			134			166			445			1,933			(37	)		(1,836	)
Total assets	$	8,168		$	8,562		$	9,061		$	11,284		$	14,744		$	(394	)	$	(6,576	)
Key Statistics($ in billions)
Mortgage loan production(2)
Prime conforming	$	-		$	-		$	0.5		$	5.6		$	9.1		$	-		$	(9.1	)
Prime non-conforming		-			-			0.2			0.5			0.6			-			(0.6	)
Government		-			-			0.0			0.0			0.1			-			(0.1	)
Total mortgage loan production	$	-		$	-		$	0.7		$	6.1		$	9.8		$	-		$	(9.8	)

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

(2) Excludes ResCap

4Q 2013 Preliminary Results 12

ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS
($ in millions)

	QUARTERLY TRENDS															CHANGE VS.						FULL YEAR
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12			2013			2012			CHANGE
Income Statement
Net financing loss
Total financing revenue and other interest income	$	95		$	79		$	71		$	53		$	42		$	16		$	53		$	298		$	157		$	141
Interest expense
Core original issue discount amortization		67			64			61			57			56			3			11			249			336			(87	)
Other interest expense		91			107			189			175			211			(16	)		(120	)		562			970			(408	)
Total interest expense		158			171			250			232			267			(13	)		(109	)		811			1,306			(495	)
Net financing loss		(63	)		(92	)		(179	)		(179	)		(225	)		29			162			(513	)		(1,149	)		636
Other revenue
Loss on extinguishment of debt		(17	)		(42	)		-			-			(148	)		25			131			(59	)		(148	)		89
Other gain on investments, net		-			-			-			3			2			-			(2	)		3			69			(66	)
Other income, net of losses (1)		5			36			23			12			33			(31	)		(28	)		76			22			54
Total other (loss) revenue		(12	)		(6	)		23			15			(113	)		(6	)		101			20			(57	)		77
Total net expense		(75	)		(98	)		(156	)		(164	)		(338	)		23			263			(493	)		(1,206	)		713
Provision for loan losses		(3	)		3			(5	)		(1	)		1			(6	)		(4	)		(6	)		(10	)		4
Noninterest expense
Compensation and benefits expense		94			113			129			132			119			(19	)		(25	)		468			533			(65	)
Other operating expense(2)		24			(1	)		(36	)		(32	)		(8	)		25			32			(45	)		(99	)		54
Total noninterest expense		118			112			93			100			111			6			7			423			434			(11	)
Loss from cont. ops before income tax expense	$	(190	)	$	(213	)	$	(244	)	$	(263	)	$	(450	)	$	23		$	260		$	(910	)	$	(1,630	)	$	720
Balance Sheet (Period-End)
Cash, trading and investment securities	$	17,283		$	19,073		$	19,313		$	17,669		$	16,537		$	(1,790	)	$	746
Loans held-for-sale		19			19			46			17			86			-			(67	)
Finance receivables and loans, net
Consumer loans		1			3			-			-			-			(2	)		1
Commercial loans(3)		1,579			1,534			1,427			2,488			2,620			45			(1,041	)
Allowance for loan losses		(50	)		(50	)		(46	)		(48	)		(48	)		-			(2	)
Total finance receivables and loans, net		1,530			1,487			1,381			2,440			2,572			43			(1,042	)
Other assets		7,731			5,384			5,460			6,091			8,063			2,347			(332	)
Assets of operations held-for-sale		-			99			545			1,485			3,495			(99	)		(3,495	)
Total assets	$	26,563		$	26,062		$	26,745		$	27,702		$	30,753		$	501		$	(4,190	)

OID Amortization Schedule (4)	2014		2015		2016 and After
Remaining Core OID Amortization (as of 12/31/2013)	$	176	$	49	Avg = $52/yr

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

(2) Includes reductions of $187 million for December 31, 2013, $181 million for September 30, 2013, $178 million for June 30, 2013, $193 million for March 31, 2013, and $210 million for December 31, 2012 related to the allocation of corporate overhead expenses to other segments. The receiving segments record their allocation of corporate overhead expense within other operating expense

(3) Includes Intercompany

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

4Q 2013 Preliminary Results 13

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION
($ in millions)

	QUARTERLY TRENDS															CHANGE VS.
Asset Quality - Consolidated(1)	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12
Ending loan balance	$	100,327		$	95,281		$	96,993		$	99,123		$	99,055		$	5,046		$	1,272
30+ Accruing DPD	$	1,408		$	1,265		$	1,084		$	930		$	1,145		$	143		$	263
30+ Accruing DPD %		1.4	%		1.3	%		1.1	%		0.9	%		1.2	%
Non-performing loans (NPLs)	$	725		$	783		$	1,006		$	938		$	858		$	(58	)	$	(133	)
Net charge-offs (NCOs)	$	129		$	126		$	103		$	114		$	154		$	3		$	(25	)
Net charge-off rate(2)		0.5	%		0.5	%		0.4	%		0.5	%		0.5	%
Provision for loan losses	$	140		$	141		$	89		$	131		$	93		$	(1	)	$	47
Allowance for loan losses (ALLL)	$	1,208		$	1,198		$	1,183		$	1,197		$	1,170		$	10		$	38
ALLL as % of Loans(3)		1.2	%		1.3	%		1.2	%		1.2	%		1.2	%
ALLL as % of NPLs(3)		166.6	%		153.0	%		117.6	%		127.6	%		136.3	%
ALLL as % of NCOs(3)		233.6	%		237.8	%		287.2	%		263.2	%		190.0	%

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

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

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

4Q 2013 Preliminary Results 14

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED
($ in millions)
CONTINUING OPERATIONS

	QUARTERLY TRENDS															CHANGE VS.
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12
Automotive Finance(1)(2)
Consumer
Allowance for loan losses	$	673		$	651		$	610		$	599		$	575		$	22		$	97
Total consumer loans(3)	$	56,417		$	56,450		$	56,028		$	55,013		$	53,713		$	(32	)	$	2,704
Coverage ratio		1.2	%		1.2	%		1.1	%		1.1	%		1.1	%
Commercial
Allowance for loan losses	$	96		$	90		$	96		$	99		$	95		$	6		$	2
Total commercial loans	$	33,803		$	28,452		$	30,193		$	31,875		$	32,822		$	5,351		$	981
Coverage ratio		0.3	%		0.3	%		0.3	%		0.3	%		0.3	%
Mortgage(1)(2)
Consumer
Allowance for loan losses	$	389		$	407		$	431		$	451		$	452		$	(18	)	$	(63	)
Total consumer loans	$	8,443		$	8,772		$	9,270		$	9,672		$	9,821		$	(329	)	$	(1,378	)
Coverage ratio		4.6	%		4.6	%		4.6	%		4.7	%		4.6	%
Corporate and Other (1)(4)
Allowance for loan losses	$	50		$	50		$	46		$	48		$	48		$	(0	)	$	1
Total commercial loans	$	1,664		$	1,607		$	1,502		$	2,562		$	2,697		$	57		$	(1,034	)
Coverage ratio		3.0	%		3.1	%		3.0	%		1.9	%		1.8	%

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

(2) Represents domestic allowance for loan losses only

(3) Includes $1 million Corporate Treasury hedging activity related to domestic consumer non-bank auto outstandings in 4Q13 and $3 million in 3Q13

(4) Includes Insurance

4Q 2013 Preliminary Results 15

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED

($ in millions)
	QUARTERLY TRENDS															CHANGE VS.
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12
U.S. Auto Delinquencies - HFI Retail Contract Amount(1)
Delinquent contract $	$	1,325		$	1,188		$	999		$	843		$	1,073		$	137		$	252
% of retail contract $ outstanding		2.35	%		2.10	%		1.78	%		1.53	%		2.00	%
U.S. Auto Annualized Credit Losses - HFI Retail Contract Amount
Credit losses	$	114		$	115		$	80		$	93		$	100		$	(1	)	$	13
% of avg. HFI assets		0.80	%		0.82	%		0.57	%		0.69	%		0.76	%
U.S. Automotive Finance
Repossessions as a % of average number of managed retail contracts outstanding		2.09	%		1.88	%		1.52	%		1.64	%		1.55	%
Severity of loss per unit serviced - Retail
New	$	9,753		$	9,473		$	9,507		$	7,378		$	6,986		$	279		$	2,767
Used	$	7,679		$	7,346		$	7,422		$	6,100		$	6,459		$	333		$	1,220

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

4Q 2013 Preliminary Results 16

ALLY FINANCIAL INC. CAPITAL

($ in billions)
	QUARTERLY TRENDS															CHANGE VS.
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12
Cost of Funds
Ally Financial's cost of borrowing (incl. OID)		2.5	%		2.6	%		3.0	%		2.8	%		2.9	%
Ally Financial's cost of borrowing (excl. OID)		2.2	%		2.4	%		2.7	%		2.6	%		2.7	%
Capital
Risk-weighted assets	$	128.6		$	127.3		$	127.2		$	141.6		$	154.0		$	1.3		$	(25.4	)
Tier 1 capital ratio		11.8	%		15.4	%		15.4	%		14.6	%		13.1	%
Tier 1 common capital ratio		8.8	%		7.9	%		8.0	%		7.9	%		7.0	%
Total risk-based capital ratio		12.8	%		16.4	%		16.5	%		15.6	%		14.1	%
Tangible common equity / Tangible assets		8.6	%		7.9	%		8.0	%		7.9	%		6.9	%
Tangible common equity / Risk-weighted assets		10.1	%		9.4	%		9.5	%		9.2	%		8.1	%
Shareholders’ equity	$	14.2		$	19.1		$	19.2		$	20.5		$	19.9		$	(4.9	)	$	(5.7	)
less:  Goodwill and certain other intangibles		-			(0.2	)		(0.2	)		(0.5	)		(0.5	)		0.2			0.5
Unrealized (gains) losses and other adjustments		(1.6	)		(1.8	)		(1.9	)		(1.9	)		(1.7	)		0.2			0.1
add:   Trust preferred securities		2.5			2.5			2.5			2.5			2.5			-			-
Tier 1 capital	$	15.2		$	19.6		$	19.7		$	20.7		$	20.2		$	(4.4	)	$	(5.0	)
Tier 1 capital	$	15.2		$	19.6		$	19.7		$	20.7		$	20.2		$	(4.4	)	$	(5.0	)
less:   Preferred equity		(1.3	)		(6.9	)		(6.9	)		(6.9	)		(6.9	)		5.6			5.6
Trust preferred securities		(2.5	)		(2.5	)		(2.5	)		(2.5	)		(2.5	)		-			-
Tier 1 common capital(1)	$	11.4		$	10.1		$	10.2		$	11.2		$	10.7		$	1.3		$	0.7
Tier 1 capital	$	15.2		$	19.6		$	19.7		$	20.7		$	20.2		$	(4.4	)	$	(5.0	)
add:  Qualifying subordinated debt and redeemable preferred stock		0.3			0.3			0.3			0.3			0.3			-			-
Allowance for loan and lease losses includible in Tier 2 capital and other adjustments		1.0			1.1			1.0			1.2			1.2			(0.1	)		(0.2	)
Total risk-based capital	$	16.4		$	20.9		$	21.0		$	22.1		$	21.7		$	(4.5	)	$	(5.3	)
Total shareholders' equity	$	14.2		$	19.1		$	19.2		$	20.5		$	19.9		$	(4.9	)	$	(5.7	)
less:   Preferred equity		(1.3	)		(6.9	)		(6.9	)		(6.9	)		(6.9	)		5.6			5.6
Goodwill and intangible assets		-			(0.2	)		(0.2	)		(0.5	)		(0.5	)		0.2			0.5
Tangible common equity(2)	$	12.9		$	11.9		$	12.0		$	13.0		$	12.5		$	1.0		$	0.4
Total assets	$	151.2		$	150.6		$	150.6		$	166.2		$	182.3		$	0.6		$	(31.1	)
less:  Goodwill and intangible assets		-			(0.2	)		(0.2	)		(0.5	)		(0.5	)		0.2			0.5
Tangible assets	$	151.1		$	150.4		$	150.4		$	165.7		$	181.9		$	0.7		$	(30.8	)

Note: Numbers may not foot due to rounding

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

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

4Q 2013 Preliminary Results 17

ALLY FINANCIAL INC. LIQUIDITY

($ in billions)
	12/31/2013					9/30/2013					12/31/2012
Available Liquidity	Parent(1)		Ally Bank			Parent(1)		Ally Bank			Parent(1)		Ally Bank
Cash and cash equivalents(2)	$	3.3	$	2.3		$	3.7	$	2.7		$	4.7	$	3.2
Highly liquid securities(3)		2.9		3.9			3.2		6.8			0.8		5.9
Current committed unused capacity(4)		6.5		0.3			13.4		1.8			7.2		6.2
Subtotal	$	12.7	$	6.5		$	20.3	$	11.3		$	12.7	$	15.3
Ally Bank intercompany loan(5)		0.6		(0.6	)		0.9		(0.9	)		1.6		(1.6	)
Total Current Available Liquidity	$	13.3	$	5.9		$	21.2	$	10.4		$	14.3	$	13.7
Forward commited unused capacity (6)		-		-			0.8		-			1.7		-
Total Available Liquidity	$	13.3	$	5.9		$	22.0	$	10.4		$	16.0	$	13.7

Unsecured Long-Term Debt Maturity Profile	2014		2015		2016		2017		2018		2019 and After
Consolidated remaining maturities	$	5.5	$	5.2	$	1.9	$	3.5	$	1.3	$	10.9

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

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

(3) Includes UST, Agency debt and Agency MBS

(4) Includes equal allocation of shared unused capacity totaling $3.0 billion in 4Q12, which was available for use by Ally Bank or the Parent. As of 3Q13, the facility was renewed for the exclusive use of the Parent

(5) 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

(6) Represents capacity from certain forward purchase commitments and committed secured facilities that are generally reliant upon the origination of future automotive receivables in 2013. As of December 31, 2013, these funding facilities have matured

4Q 2013 Preliminary Results 18

ALLY FINANCIAL INC. DEPOSITS

($ in millions)
	QUARTERLY TRENDS															CHANGE VS.
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12
Key Statistics
Average retail CD maturity (months)		31.0			30.8			30.4			29.9			29.5			0.2			1.5
Average retail deposit rate		1.21	%		1.22	%		1.24	%		1.29	%		1.34	%
CD balances up for renewal	$	2,635		$	2,412		$	3,278		$	3,105		$	2,595		$	223		$	40
CD balances retained(1)		2,433			2,235			3,027			2,873			2,405			198			28
Retention rate		92	%		93	%		92	%		93	%		93	%
Ally Financial Deposits Levels
Ally Bank retail	$	43,172		$	41,691		$	39,859		$	38,770		$	35,041		$	1,481		$	8,131
Ally Bank brokered		9,678			9,724			9,552			9,877			9,914			(46	)		(236	)
Other		500			616			714			1,679			2,961			(116	)		(2,460	)
Total deposits	$	53,350		$	52,031		$	50,125		$	50,326		$	47,915		$	1,319		$	5,435

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

4Q 2013 Preliminary Results 19

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

($ in billions)
	HISTORICAL QUARTERLY TRENDS
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12
Loan Value(1)
Gross carry value	$	8.4		$	8.7		$	9.2		$	9.6		$	9.8
Net carry value	$	8.0		$	8.3		$	8.8		$	9.2		$	9.3
Estimated Pool Characteristics
% Prime jumbo (> 1/1/2009)		39.0	%		39.3	%		40.1	%		40.2	%		38.9	%
% Second lien		11.1	%		11.2	%		11.2	%		11.3	%		11.7	%
% Interest only		13.8	%		14.9	%		15.3	%		19.5	%		21.2	%
% 30+ Day delinquent		2.8	%		2.7	%		2.8	%		3.0	%		3.0	%
% Low/No documentation		14.1	%		14.0	%		13.8	%		13.7	%		14.0	%
% Non-primary residence		3.7	%		3.7	%		3.7	%		3.6	%		3.7	%
Refreshed FICO		728			729			731			730			730
Wtd. Avg. LTV/CLTV(2)		79.1	%		84.0	%		84.9	%		85.9	%		88.9	%
Higher risk geographies  (3)		40.5	%		40.5	%		40.6	%		40.8	%		40.3	%

(1) Excludes education loans

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

(3) Includes CA, FL, MI and AZ

4Q 2013 Preliminary Results 20

ALLY FINANCIAL INC. DISCONTINUED OPERATIONS

($ in millions)
	QUARTERLY TRENDS															INC / (DEC) VS.
	4Q 13			3Q 13			2Q 13			1Q 13			4Q 12			3Q 13			4Q 12
Impact of Discontinued Operations(1)
Auto Finance	$	(149	)	$	60		$	(245	)	$	1,037		$	112		$	(209	)	$	(261	)
Insurance		0			5			294			28			38			(5	)		(38	)
Mortgage Operations		-			-			-			0			0			-			(0	)
Corporate and Other(2)		80			(161	)		(1,693	)		(16	)		26			241			55
Consolidated pretax income	$	(69	)	$	(96	)	$	(1,644	)	$	1,049		$	175		$	27		$	(244	)
Tax expense (benefit)		(93	)		(10	)		(617	)		17			(291	)		(83	)		197
Consolidated net income	$	25		$	(86	)	$	(1,027	)	$	1,033		$	466		$	111		$	(441	)
Assets of discontinued operations held-for-sale	$	516		$	5,913		$	5,529		$	19,063		$	32,176		$	(5,397	)	$	(31,660	)
Businesses classified as discontinued operations above
Automotive Finance
Canada
Europe, Latin America and China (J.V.)
Insurance
ABA Seguros
U.K.-based operations that provide vehicle service contracts and insurance products in Europe and Latin America
Mortgage
ResCap

(1) Included are operations that have been wound down or sold in addition to those held-for-sale

(2) Includes FHFA and FDIC settlement charge in 3Q13 and ResCap settlement charge in 2Q13

Note: The sale of Brazil closed in 4Q13. The sale of France as well as the Mexican Insurance business closed in 2Q13. The sales of Canada and Europe (ex. France), Mexico, Colombia and Chile were completed 1Q13. The sale of the China (J.V.) has yet to close

4Q 2013 Preliminary Results 21

ALLY FINANCIAL INC. OWNERSHIP
($ in millions)

Common Ownership as of 2/6/2014

Other Tier 1 Capital as of 4Q 13

		Liquidation		Book
Series	Owner	Preference		Value
Trust Preferred Securities(1)	Investors	$	2,667	$	2,544
Series G Perpetual Preferred	Investors	$	2,577	$	234
Series A Perpetual Preferred	Investors	$	1,022	$	1,021

(1) Includes exercised warrants

4Q 2013 Preliminary Results 22