ALLY

Ally Financial Inc. is a leading digital financial services company providing auto financing, insurance, mortgage products, and digital banking services to consumers and businesses. The company operates through Automotive Finance Services (dealer financing, automotive loans and leases, vehicle service contracts, and commercial lending to dealers), Insurance (vehicle service contracts and insurance products), Mortgage Finance (bulk purchases and securitization of mortgages), and Corporate Finance (middle-market lending). Ally Bank offers online deposit products including savings, money market, and certificate of deposit accounts with competitive rates. The company has built a significant direct-to-consumer digital banking platform. Ally is one of the largest auto lenders in the United States, financing millions of vehicles annually through dealer and direct channels. Founded as GMAC (General Motors Acceptance Corporation) in 1919 and rebranded as Ally Financial following the financial crisis, the company is headquartered in Detroit, Michigan. Ally benefits from automotive sales cycles, used vehicle financing, deposit growth, and digital banking adoption while managing credit risk, interest rate exposure, and competitive pressures in consumer finance.