Net Gains on Sale of Off-Lease Vehicles ($ Million)

Consumer Automotive Retail Loan Originations and Purchases ($ Million)

Investment in Operating Leases ($ Million)

Combined Ratio for Insurance Operations (%)

Concentration of Consumer Loans (%)

c34d6327796a40675896e802d94eb48f0fd74b656a4a0d6ed05fe09b709a6619

Adjustments for Non-Cash Items (USD, millions)

Stock-Based Compensation (USD, millions)

Changes in Working Capital (USD, millions)

Capital Expenditures (CapEx) (USD, millions)

Proceeds from / Repayments of Debt (USD, millions)

Share Repurchases (USD, millions)

Dividend Payments (USD, millions)

Net Change in Cash (USD, millions)

8937b0a458729f4ee1198a71a5925b7773d33bb0faa1da3bd08378ba9f33d2f5

Cash and Cash Equivalents (USD, millions)

Short-term Debt (USD, millions)

Accrued Expenses (USD, millions)

Long-term Debt (USD, millions)

Shareholders' Equity (USD, millions)

Retained Earnings (USD, millions)

Common Stock (USD, millions)

4c1526eb5687a0e2a7020c86a3c71fa3e61152bc79a7081b3c482e7304bf2ad4

4b7c2b64330bb857a76b3e5e4785e9fb968a4a1110d99bb17452a17aaa4127c5

Ally Financial Inc. (NYSE: ALLY) is a leading financial services company that operates the largest all-digital bank in the United States. The company provides a wide range of financial products and services, including automotive financing, insurance, mortgage lending, corporate financing, and investment advisory services. Ally serves approximately **11 million customers** and is committed to delivering innovative, customer-centric solutions to meet diverse financial needs.  **[0001193125-24-088480_d441646ddef14a.htm:56]** **[0001193125-24-088480_d441646ddef14a.htm:4]** **[0000040729-24-000004_ally-20231231.htm:6]** 

1. **Automotive Finance Operations** - Offers a comprehensive suite of financing services, including retail installment sales contracts, loans, operating leases, dealer floorplan financing, and vehicle remarketing services, catering to consumers, automotive dealers, and municipalities.  **[0000040729-24-000023_ally-20240930.htm:91]** **[0000040729-24-000018_ally-20240630.htm:89]** **[0000040729-23-000030_ally-20230930.htm:81]**   
2. **Insurance Operations** - Provides consumer finance protection and insurance products, such as vehicle service contracts (VSCs), vehicle maintenance contracts (VMCs), guaranteed asset protection (GAP), and select commercial insurance coverages, primarily sold through automotive dealers.  **[0000040729-24-000023_ally-20240930.htm:91]** **[0000040729-24-000018_ally-20240630.htm:89]** **[0000040729-23-000030_ally-20230930.htm:81]**   
3. **Corporate Finance Operations** - Delivers senior secured asset-based and leveraged cash flow loans to U.S.-based middle-market companies, with a focus on private equity-sponsored businesses and commercial real estate lending.  **[0000040729-24-000023_ally-20240930.htm:91]** **[0000040729-24-000018_ally-20240630.htm:89]** **[0000040729-23-000030_ally-20230930.htm:81]**   
4. **Mortgage Finance Operations** - Includes direct-to-consumer mortgage offerings and bulk purchases of high-quality jumbo and low-to-moderate income (LMI) mortgage loans, offering fixed- and adjustable-rate mortgage products.  **[0000040729-24-000023_ally-20240930.htm:91]** **[0000040729-24-000018_ally-20240630.htm:89]** **[0000040729-23-000030_ally-20230930.htm:81]**   
5. **Ally Invest** - Enhances securities-brokerage and investment-advisory services, enabling customers to manage their savings and wealth through innovative digital tools.  **[0001193125-24-088480_d441646ddef14a.htm:56]** **[0000040729-24-000004_ally-20231231.htm:6]**   
6. **Ally Credit Card** - Features a digital-first credit card platform with advanced technology and analytics-based underwriting, designed to deepen customer relationships and expand Ally's offerings.  **[0001193125-24-088480_d441646ddef14a.htm:56]** **[0000040729-24-000004_ally-20231231.htm:6]**

427d12a28986b6655f4cf6615983432c3a10ffe30186a5bf438126817ad4b5e6

1. Given the continued elevation in retail auto net charge-offs and the upward revisions to your loss guidance, can you provide more clarity on when you expect credit losses to peak and what specific actions you're taking to mitigate further credit deterioration?

2. With your net interest margin guidance lowered to approximately 3.2% for 2024 and acknowledging near-term pressures from rate movements, how confident are you in achieving the medium-term NIM target of 4%, and what risks could prevent you from reaching this goal?

3. You've mentioned building capital in anticipation of Basel III requirements and potential headwinds from CECL phase-in and changes in EV lease accounting; what CET1 ratio are you targeting, and how will these factors impact your capital return plans to shareholders?

4. Considering the uncertainty around credit normalization timing and net interest margin expansion, what specific measures are you implementing to ensure you achieve the mid-teens return on equity over time, and how are you adjusting your expense management and capital allocation strategies accordingly?

5. In light of competitive pressures on deposit pricing and the expectation that deposit betas will be slow to decline even as the Fed reduces rates, how do you plan to manage your funding costs, and what strategies are in place to optimize your deposit base to support net interest margin expansion?

00db0575078ec8c6966f09f3dc4e11f728cd33e2d8503e7ce46f0fad6f370ab0

Here is the exhaustive guidance provided by Ally Financial in the last four earnings calls, including the issued period, guided period, and the list of metrics:

---

### **1. Q3 2024 Earnings Call**
- **Issued Period:** Q3 2024  
- **Guided Period:** FY 2024  
- **Guidance:**
  1. **Net Interest Margin (NIM):** Full-year 2024 NIM outlook updated to approximately **3.2%**, assuming another **50 basis point decrease in Fed funds by year-end** and a slow start to deposit betas.  **[ALLY_3403070_8]** 
  2. **Adjusted Other Revenue:** Expected to grow by **12% year-over-year**, consistent with the July update and above the **5% to 10%** guidance provided in January.  **[ALLY_3403070_8]** 
  3. **Retail Auto Net Charge-Offs (NCOs):** Full-year guidance revised to **2.25% to 2.3%**, up from the prior guidance of **2.1%**.  **[ALLY_3403070_8]** **[ALLY_3403070_13]** 
  4. **Total Consolidated Loss Rate:** Expected to be **1.5% to 1.55%** for the full year.  **[ALLY_3403070_8]** 
  5. **Adjusted Noninterest Expense:** Controllable expenses expected to be down **more than 1% year-over-year**, with total expenses up **less than 2%**.  **[ALLY_3403070_8]** 
  6. **Average Earning Assets:** Expected to increase on a linked-quarter basis but still projected to be down approximately **1%** for the full year.  **[ALLY_3403070_8]** 
  7. **Tax Rate:** Full-year tax rate guidance updated to **negative 25% to 30%**, driven by momentum in EV lease originations and updates to the earnings outlook.  **[ALLY_3403070_8]** 

---

### **2. Q2 2024 Earnings Call**
- **Issued Period:** Q2 2024  
- **Guided Period:** FY 2024 and FY 2025  
- **Guidance:**
  1. **Adjusted Noninterest Expense:** Controllable expenses expected to be **down more than 1% year-over-year**, with total noninterest expenses up **less than 2% year-over-year**.  **[ALLY_3393390_11]** 
  2. **Average Earning Assets:** Expected to be **down 1% for the full year 2024**, reflecting actions taken to manage risk-weighted assets (RWA) and capital levels.  **[ALLY_3393390_11]** 
  3. **Tax Rate:** Full-year tax rate guidance revised to a range of **0% to negative 5%**, driven by expectations for EV lease volume in the second half of 2024.  **[ALLY_3393390_11]** 
  4. **Net Interest Margin (NIM):** Expected to exit 2024 near **3.5%**; a **4% NIM run rate** is expected by the end of 2025 under a range of rate scenarios.  **[ALLY_3393390_6]** **[ALLY_3393390_21]** **[ALLY_3393390_24]** 
  5. **Earnings Per Share (EPS):** Targeting **$6 of EPS** by the end of 2025.  **[ALLY_3393390_11]** 
  6. **Return on Equity (ROE):** Aiming for a **mid-teens return run rate** by the end of 2025.  **[ALLY_3393390_11]** 
  7. **Deposit Balances:** Targeting **approximately flat deposit balances** for the remainder of 2024.  **[ALLY_3393390_6]** 
  8. **Retail Auto Net Charge-Offs (NCOs):** Expected to **moderate in the second half of 2024** on a seasonally adjusted basis.  **[ALLY_3393390_6]** 
  9. **Collateral Values:** Anticipating a **5% decline in collateral values for the full year 2024**, with a 3% decline already observed year-to-date and an additional 2% decline expected for the remainder of the year.  **[ALLY_3393390_8]** 
  10. **Electric Vehicle (EV) Lease Originations:** EV lease originations are expected to **continue in size** through the remainder of 2024 and into 2025, contributing to the revised tax rate guidance.  **[ALLY_3393390_21]** **[ALLY_3393390_8]** 

---

### **3. Q1 2024 Earnings Call**
- **Issued Period:** Q1 2024  
- **Guided Period:** FY 2024 and FY 2025  
- **Guidance:**
  1. **Net Interest Margin (NIM):** NIM expansion expected to begin in Q2 2024, with **5 to 15 basis points of expansion per quarter** for the rest of the year. Exit rate for 2024 guided at **3.4% to 3.5%**. A **4% NIM run rate** is expected by late 2025.  **[ALLY_3380006_4]** **[ALLY_3380006_9]** 
  2. **Fee Revenue Growth:** Increased guidance from **5%-10%** to **9%-12%** for 2024, driven by momentum in insurance, SmartAuction, and pass-through offerings.  **[ALLY_3380006_9]** 
  3. **Operating Expenses:** Controllable expenses expected to be **down 1% year-over-year** in 2024. Total expenses expected to increase **less than 2% year-over-year**, driven by growth in insurance-related commissions and loss expenses.  **[ALLY_3380006_4]** **[ALLY_3380006_9]** 
  4. **Consolidated Loss Rate:** Expected to remain at **1.4%-1.5%** for 2024.  **[ALLY_3380006_9]** 
  5. **Retail Auto Net Charge-Offs (NCOs):** Expected to be approximately **2% for 2024**, up marginally from 1.9% in January, with losses driven by the 2022 vintage in the first half of the year and improving trends from the 2023 vintage later in the year.  **[ALLY_3380006_9]** **[ALLY_3380006_7]** 
  6. **Used Vehicle Values:** Ally expects its used vehicle index to settle at around **120** by the end of 2024, implying a **5%-6% decline** from current levels.  **[ALLY_3380006_7]** 
  7. **Balance Sheet:** Total balance sheet expected to remain **flat** for the foreseeable future, with favorable mix dynamics contributing to NIM expansion.  **[ALLY_3380006_9]** 
  8. **Tax Rate:** Full-year tax rate guidance is **15%**, reflecting one quarter of actual results and an estimated rate of around 18% for the remaining quarters. Strong EV lease originations could lead to outperforming this guidance.  **[ALLY_3380006_4]** **[ALLY_3380006_9]** 
  9. **Long-Term Targets:** Ally remains confident in achieving a **4% NIM**, **$6 of EPS**, and **mid-teens ROE** on a run-rate basis.  **[ALLY_3380006_9]** 

---

### **4. Q4 2023 Earnings Call**
- **Issued Period:** Q4 2023  
- **Guided Period:** FY 2024 and beyond  
- **Guidance:**
  1. **Net Interest Margin (NIM):** Ally expects to achieve a **4% NIM** over time. The pace of achieving this will depend on rate cuts, but the destination remains unchanged.  **[ALLY_3370489_7]** 
  2. **Retail Auto Net Charge-Offs (NCOs):** For 2024, the retail auto NCO rate is expected to remain **below 2%** for the full year, with elevated losses in the first half due to 2023 vintages, followed by improvement in the second half.  **[ALLY_3370489_16]** 
  3. **Expense Growth:** Total expense growth is expected to be **less than 1%** for 2024, with controllable expenses projected to decline by more than 1%.  **[ALLY_3370489_13]** 
  4. **Tax Rate:** The full-year tax rate is estimated at **18%**, though quarterly fluctuations are expected due to EV tax credits and broader tax planning strategies.  **[ALLY_3370489_13]** 
  5. **Credit Card Losses:** Losses in the credit card portfolio are expected to **peak in mid-2024**.  **[ALLY_3370489_11]** 
  6. **Capital Ratios:** CET1 ratio is expected to remain **relatively flat** in Q1 2024, as the benefit from the Ally Lending sale (adding 15 basis points) will be offset by CECL phase-in.  **[ALLY_3370489_7]** 
  7. **Macroeconomic Assumptions:** Ally assumes unemployment will increase to **4.4% in 2024** and longer-term to approximately **6%** under their reversion-to-mean methodology.  **[ALLY_3370489_8]** 
  8. **Earnings Expansion:** Ally expects **meaningful earnings expansion** over the next several years, driven by NIM expansion and a mid-teens ROE in the medium term.  **[ALLY_3370489_13]** 

--- 

This table summarizes the guidance provided in the last four earnings calls.

2927ef1681ecbf1035305cc8754cf266e3f4f26175a0eb27ca449f7fa2f6682e

23794d91c53ae875c8e247d72561e35d9d06ee07c70c9e0dbcc977a6d161504a

| Program Details          | Program 1               |
|--------------------------|-------------------------|
| **Approval Date**        | **January 10, 2022**  **[0000040729-23-000005_ally-20221231.htm:172]**  |
| **End Date/Duration**    | **Q1 2022 - Q4 2022**  **[0000040729-23-000005_ally-20221231.htm:172]**  |
| **Total Additional Amount** | **$2.0 billion**  **[0000040729-23-000005_ally-20221231.htm:172]**     |
| **Remaining Authorization** | **$0**  **[0000040729-24-000023_ally-20240930.htm:68]** **[0000040729-23-000005_ally-20221231.htm:172]**            |
| **Details**              | Purpose was to return capital to shareholders and reduce outstanding shares by **38%** from **484 million (June 30, 2016)** to **299 million (December 31, 2022)**.  **[0000040729-23-000005_ally-20221231.htm:172]** **[0000040729-23-000030_ally-20230930.htm:58]** **[0000040729-23-000005_ally-20221231.htm:272]**  No new programs authorized for **2023** or **2024**.  **[0000040729-24-000023_ally-20240930.htm:68]** **[0000040729-23-000030_ally-20230930.htm:58]** **[0000040729-24-000012_ally-20240331.htm:56]**  |

af68843b38db8cd89dd3f1f05babd1b8ab289f675d4570e1e0cff24beb7c2542

1. **Credit Losses Outlook**  
   **Q:** How will retail auto credit losses trend, and when will they normalize?  
   **A:** Management expects retail auto credit losses to normalize over time but acknowledges that the timing is uncertain due to elevated delinquencies and macroeconomic volatility. They have revised the full-year loss rate guidance to **2.25% to 2.30%**  **[ALLY_3403070_13]**  due to seasonality and impacts from recent storms. The 2023 vintages are showing better performance than 2022, and early indications for 2024 are even better, reflecting underwriting curtailments. However, elevated loss content in the 2022 vintage and sensitivity to the macro environment may prolong the road to normalization.  **[ALLY_3403070_11]** **[ALLY_3403070_13]** **[ALLY_3403070_15]** **[ALLY_3403070_21]** 

2. **Net Interest Margin (NIM) Outlook**  
   **Q:** When will NIM inflect, and what is the outlook for reaching 4%?  
   **A:** Management reaffirms their medium-term goal of achieving a **4% NIM**, driven by factors like asset mix shifts and deposit pricing strategies. Near-term pressures from lower rates and competition may delay inflection, depending on factors like the pace of rate cuts and deposit betas. While avoiding quarterly guidance, they remain confident in reaching the 4% NIM over time.  **[ALLY_3403070_12]** **[ALLY_3403070_17]** **[ALLY_3403070_18]** 

3. **Confidence in Long-Term Targets**  
   **Q:** Are long-term targets, like mid-teens return on capital, still achievable?  
   **A:** Management believes that mid-teens return on capital is attainable, contingent upon three factors: credit normalization, NIM expansion to around **4%**, and effective expense and capital management. They acknowledge challenges but see a clear path to achieving these goals, emphasizing confidence in their underwriting and asset strategies.  **[ALLY_3403070_16]** 

4. **Capital Levels and Basel III Impact**  
   **Q:** What is the target for CET1 capital ratio amid upcoming headwinds?  
   **A:** The CET1 ratio stands at **9.8%**, but management anticipates headwinds of approximately **20 basis points** from CECL phase-in and potential accounting changes related to EV lease tax credits. They are preparing for Basel III's inclusion of AOCI in CET1 and feel confident in managing capital organically to meet future requirements.  **[ALLY_3403070_14]** 

5. **EV Lease Accounting Changes**  
   **Q:** How will accounting changes for EV leases impact NIM and earnings?  
   **A:** Management is considering switching from the "flow-through" to the "deferral" accounting method for EV lease tax credits. This change would shift income recognition from the tax line to the NIM line, potentially adding about **6 basis points** to NIM in Q3. While this affects the presentation, it doesn't materially change overall earnings or their confidence in achieving the 4% NIM target.  **[ALLY_3403070_17]** **[ALLY_3403070_22]** 

6. **Competitive Environment**  
   **Q:** How does increased competition affect originated yields and returns?  
   **A:** While some competitors are re-entering the market, particularly in prime segments, management believes they'll maintain strong relationships with dealers due to their consistency through cycles. Although originated yields may come down as rates decrease, they are confident in the risk-adjusted margins and the quality of the business being booked.  **[ALLY_3403070_20]** 

7. **Dealer Relationships and Curtailments**  
   **Q:** Will underwriting curtailments affect dealer relationships and volumes?  
   **A:** Management asserts that dealer relationships remain strong, facilitated by their consistent presence in the market and broad range of services. The impact of curtailments is modest from the dealer's perspective due to high application volumes, allowing selective underwriting without significantly affecting dealer partnerships or loan volumes.  **[ALLY_3403070_19]** 

8. **Early-Stage Delinquencies**  
   **Q:** What are the trends in early-stage delinquencies?  
   **A:** Early-stage delinquencies have remained reasonably stable through September and early October, providing some confidence in future credit performance. Management continues to monitor these trends closely as part of their overall credit outlook.  **[ALLY_3403070_21]** 

7192675b47ac02d4a00dd05bc4a3f8829b5d320e4621647c1a1f32036899f8b3

Automotive Finance

- Net Financing Revenue

- Other Revenue

Insurance

Mortgage Finance

Corporate Finance

Corporate and Other

Total Revenue

afdae08a3d4efd15834630559550a2f1766e8712f66a45d624e9c88ee7d4f8d8

- **Ally Financial's Q4 2023 loan yield expanded to 10.8%, achieving an annual yield of 10.69%, demonstrating effective management of loan yields.**  **[ALLY_3370489_23]**
- **The company leverages its large application volume and strong dealer relationships to optimize yields through flexible pricing and credit strategies, giving it a unique competitive advantage.**  **[ALLY_3370489_23]**
- **Ally's Credit Card business delivers compelling returns with a gross revenue yield including fees of 27%, providing significant resilience to absorb loss volatility and enhancing the overall return profile.**  **[ALLY_3370489_11]**

0f4053ac6f9224de56f4773a4ed0ffd50eae5f4c49ecc41c1b53558e51973896

- **Credit losses from the 2022 vintage loans are exceeding price expectations**, indicating higher-than-anticipated credit risk that may negatively impact financial performance in the near term.  **[ALLY_3380006_14]**
- The company is focusing on **originating higher-yield products that carry more credit risk** compared to prior years, suggesting increased exposure to potential credit losses.  **[ALLY_3380006_21]**
- **Upcoming regulatory changes impacting capital and liquidity** are creating a **capital-constrained environment**, which may constrain growth opportunities and limit the ability to fully leverage market opportunities.  **[ALLY_3380006_11]**

a04545e34d96d58be42d56551e44df329d5c078ff1426f245ad523c1d709f20c

- **Ally Financial is confident in achieving mid-teens return on capital over time**, based on three key factors: normalization of credit losses, expansion of net interest margin (NIM) to around 4%, and disciplined management of expenses and capital. CEO Michael Rhodes affirms that there is a clear path to reach these targets.  **[ALLY_3403070_16]**
- **Underwriting changes made in 2023 are showing positive results**, with the 2023 loan vintages outperforming the 2022 vintages in terms of credit performance. Early data indicates that the 2024 vintages are outperforming 2023, supporting expectations for improved credit and lower losses over time.  **[ALLY_3403070_16]** **[ALLY_3403070_13]**
- **The company expects net interest margin (NIM) to expand to 4% in the medium term**, driven by factors such as portfolio rollover into higher-yielding assets, asset mix shift towards retail auto and corporate finance loans, and favorable deposit pricing approaching a 70% beta in a lower rate environment. Despite near-term pressures, management reiterates that fundamentally nothing has changed in their medium-term outlook.  **[ALLY_3403070_13]**

e1d6568d8e409ea76c3792baf7f11d33bb0e4b8acf92bcc500377053acddb957

- **Uncertainty regarding the Allowance for Loan and Lease Losses (ALL)**: Management finds it hard to comment on the future outlook of ALL due to various macroeconomic factors, including expectations of unemployment mean-reverting to **6% over the medium term**, which could negatively impact credit quality.  **[ALLY_3370489_23]**
- **No further increases in loan yields expected**: Management does not expect yields to continue rising, indicating that the company's ability to improve net interest margin through higher loan yields may have reached its limit, potentially affecting future profitability.  **[ALLY_3370489_22]**
- **Peaking charge-offs from 2022 vintage loans**: The company is experiencing **peaking charge-offs from the 2022 vintage loans** in the first half of the year, suggesting elevated credit losses in the near term, which may pressure earnings.  **[ALLY_3370489_23]**

657541fb00b9c6c359b282d2bb181b7c903c52ac685facabfb7c6569aaad8349

- **Ally Financial is experiencing record auto loan application flow, increasing market share and enhancing growth opportunities.**  **[ALLY_3380006_23]**
- **Strong investor demand for Ally's auto loan sales demonstrates the attractiveness of their loans and supports their ability to originate and support their business.**  **[ALLY_3380006_19]**
- **Ally's decades-long, consistent focus on dealer relationships provides a significant competitive advantage that is difficult for competitors to disrupt.**  **[ALLY_3380006_15]**

2455b5c664a1df83a15e97780b349fdc84d65b293ee0504b3d682f5f7467b0d8

- **Rising auto loan delinquencies:** 30-day retail auto delinquencies increased **73 basis points year-over-year**, reflecting deteriorating credit quality. The company expects delinquencies to moderate but **not necessarily in a straight line**.  **[ALLY_3393390_17]**
- **Concentration risk due to over-reliance on auto lending:** The company acknowledges being a **"monoline in auto"** and plans to **double down** on the auto business, slowing diversification into other areas such as credit cards. This could expose the company to risks associated with the auto industry.  **[ALLY_3393390_14]**
- **Pressure on deposit costs:** Ally increased **CD pricing** in the quarter and does not anticipate broad changes to deposit pricing in advance of any Federal Reserve moves, indicating potential challenges in lowering deposit costs further.  **[ALLY_3393390_24]**

d27fb3f01cffa455a50122fc980b1efeab38a9a3d8f7edb9c37656cbdc1f2c4b

- **Capital headwinds expected due to upcoming accounting changes and regulatory requirements**, including the final phase-in of CECL accounting and potential changes in accounting for EV lease tax credits, each potentially reducing CET1 capital ratio by approximately **20 basis points**.  **[ALLY_3403070_14]**
- **Uncertainty in achieving long-term financial targets**, with the CEO acknowledging that prior expectations might have been optimistic and being less prescriptive about the timing of achieving mid-teens return on capital due to uncertainties in credit normalization and interest rate movements.  **[ALLY_3403070_16]**
- **Increasing competitive pressures** as competitors reenter the market, which may impact Ally's originated yields and risk-adjusted returns, particularly in prime and super prime segments.  **[ALLY_3403070_20]**

cf92d294b008897f565dfa15347b54b3c97451f5ab42cbaaa7c4dc3ce08eb0a6

- **Ally Financial plans to continue utilizing credit risk transfers (CRTs)** to generate capital and improve returns, leveraging **strong market demand** and favorable execution.  **[ALLY_3393390_25]**
- **New CEO Michael Rhodes** expresses **confidence in Ally's strong position and attractive earnings outlook**, focusing on executing existing plans and optimizing capital use.  **[ALLY_3393390_12]**
- The company has **tightened underwriting standards since Q2 2023**, resulting in **improved performance of newer loan vintages compared to 2022**, which should lead to **lower future losses**.  **[ALLY_3393390_18]**

e1d3d315494c64ce824bac81d52aa5af49352d2e144f1bcf3573703357240cfb

Ally Financial Inc (ALLY)

Financials