Capitalization relative to the firm's risk profile is adequately reflected in the current rating level, with tangible common equity to risk weighted assets of 10.32% as of 30 September 2021. The baa2 BCA is supported by the firm's strong auto lending franchise and its solid online banking platform, through which it sources growing deposits and accounts resulting in a reduced reliance on confidence-sensitive secured and unsecured debt. For any credit ratings referenced in this publication, please see the ratings tab on the issuer/entity page on for the most updated credit rating action information and rating history.Key rating considerations are summarized below.Ally Financial Inc.'s (Ally) Baa3 long-term senior unsecured rating and the ratings for its bank subsidiary Ally Bank including the A3 long-term bank deposits ratings are derived from the bank's baa2 Baseline Credit Assessment (BCA) and the application of Moody's advanced loss given failure analysis to its assumed liabilities at failure. Credit ratings and outlook/review status cannot be changed in a portfolio review and hence are not impacted by this announcement. Since 1 January 2019, Moody's practice has been to issue a press release following each periodic review to announce its completion.This publication does not announce a credit rating action and is not an indication of whether or not a credit rating action is likely in the near future. The review did not involve a rating committee. The review was conducted through a portfolio review discussion held on 11 January 2022 in which Moody's reassessed the appropriateness of the ratings in the context of the relevant principal methodology(ies), recent developments, and a comparison of the financial and operating profile to similarly rated peers. and other ratings that are associated with the same analytical unit. Announcement of Periodic Review: Moody's announces completion of a periodic review of ratings of Ally Financial Inc.Global Credit Research - New York, Janu- Moody's Investors Service ('Moody's') has completed a periodic review of the ratings of Ally Financial Inc.

Moody's long term bank deposit ratings