Statement to Securityholder 

Ally Auto Receivables Trust 2022-2

 

Deal Information						Table of Contents
Asset Type:			Consumer Retail			1.			Class Distribution Summary
						2.			Note Factor Summary
Closing Date:			10/12/2022			3.			Interest Summary
						4.			Collections and Distributions
Bloomberg Ticker:			ALLYA 2022-2			5.			Cash Reserve
						6.			Collateral Summary
Collection Period:						7.			Net Charge-Offs, Delinquencies, and Bankruptcies
Begin			6/1/2026			8.			Performance Tests
End			6/30/2026			9.			Supplemental Disclosures
Determination Date:			7/10/2026
Distribution Date:			7/15/2026
ABS Investor Relations:
Servicer:			Ally Bank
Telephone:			(866) 710-4623
E-Mail:			securitization@ally.com
Additional information about the transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the CIK number 0001946472.

        

            

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Statement to Securityholder 

Ally Auto Receivables Trust 2022-2

1. Class Distribution Summary
												Class Distribution
Class			CUSIP/ CUSIP-RegS			Initial Note Principal Balance			Beginning Note Principal Balance			Principal			Interest			Total			Ending Note Principal Balance
A-1			02008MAA7			234,000,000.00			0.00			0.00			0.00			0.00			0.00
A-2			02008MAB5			350,000,000.00			0.00			0.00			0.00			0.00			0.00
A-3			02008MAC3			351,000,000.00			0.00			0.00			0.00			0.00			0.00
A-4			02008MAD1			76,920,000.00			39,507,332.82			9,428,100.67			160,333.93			9,588,434.60			30,079,232.15
B			02008MAE9			22,510,000.00			22,510,000.00			0.00			103,546.00			103,546.00			22,510,000.00
C			02008MAF6			18,760,000.00			18,760,000.00			0.00			89,422.67			89,422.67			18,760,000.00
D			02008MAG4			13,940,000.00			13,940,000.00			0.00			79,458.00			79,458.00			13,940,000.00
Total Notes						1,067,130,000.00			94,717,332.82			9,428,100.67			432,760.60			9,860,861.27			85,289,232.15
Certificates																		109,085.75
Total Class Distribution																		9,969,947.02

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Statement to Securityholder 

Ally Auto Receivables Trust 2022-2

2. Note Factor Summary

(Amount per $1,000 of Original Principal) 

						Distribution
Class			Beginning			Principal			Interest			Total			Ending
A-1			0.0000000			0.0000000			0.0000000			0.0000000			0.0000000
A-2			0.0000000			0.0000000			0.0000000			0.0000000			0.0000000
A-3			0.0000000			0.0000000			0.0000000			0.0000000			0.0000000
A-4			513.6158713			122.5702115			2.0844245			124.6546360			391.0456598
B			1,000.0000000			0.0000000			4.6000000			4.6000000			1000.0000000
C			1,000.0000000			0.0000000			4.7666668			4.7666668			1000.0000000
D			1,000.0000000			0.0000000			5.7000000			5.7000000			1000.0000000
Total Notes			88.7589449												79.9239382

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Statement to Securityholder 

Ally Auto Receivables Trust 2022-2

3. Interest Summary

A. Target Interest Calculation

																		Fixed Rate						Variable Rate
Class			Beginning Note Principal Balance						Accrual Methodology			Interest Accrual Days						Total						Applicable Index			Margin			Total						Target Interest Calculation
A-1			0.00						Actual/360			30						3.737%						N/A			N/A			N/A						0.00
A-2			0.00						30/360			30						4.620%						N/A			N/A			N/A						0.00
A-3			0.00						30/360			30						4.760%						N/A			N/A			N/A						0.00
A-4			39,507,332.82						30/360			30						4.870%						N/A			N/A			N/A						160,333.93
B			22,510,000.00						30/360			30						5.520%						N/A			N/A			N/A						103,546.00
C			18,760,000.00						30/360			30						5.720%						N/A			N/A			N/A						89,422.67
D			13,940,000.00						30/360			30						6.840%						N/A			N/A			N/A						79,458.00
Total			94,717,332.82																																	432,760.60
B. Interest Distribution
Class			Beginning Unpaid Interest Carryover Shortfall						Target Interest Calculation			Interest Shortfall Allocated/ (Repaid)			Interest Distribution									Remaining Unpaid Interest Carryover Shortfall
			(1)						(2)			(3)			(4) = (2) - (3)									(5) = (1) + (3)
A-1			0.00						0.00			0.00			0.00									0.00
A-2			0.00						0.00			0.00			0.00									0.00
A-3			0.00						0.00			0.00			0.00									0.00
A-4			0.00						160,333.93			0.00			160,333.93									0.00
B			0.00						103,546.00			0.00			103,546.00									0.00
C			0.00						89,422.67			0.00			89,422.67									0.00
D			0.00						79,458.00			0.00			79,458.00									0.00
Total			0.00						432,760.60			0.00			432,760.60									0.00

    

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Statement to Securityholder

Ally Auto Receivables Trust 2022-2

4. Collections and Distributions

Collections
Receipts During the Period - Principal			9,242,226.96
Receipts During the Period - Interest			602,774.03
Administrative Purchase Payments			118,726.52
Warranty Payments			0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses)			99,481.83
Other Fees or Expenses Paid			0.00
Total Collections			10,063,209.34
Beginning Reserve Account Balance			2,679,883.67
Total Available Amount			12,743,093.01
Distributions
Basic Servicing Fee			91,762.32
Amounts paid in connection with an Asset Representations Review			0.00
Aggregate Class A Interest Distributable Amount			160,333.93
First Priority Principal Distributable Amount			0.00
Aggregate Class B Interest Distributable Amount			103,546.00
Second Priority Principal Distributable Amount			0.00
Aggregate Class C Interest Distributable Amount			89,422.67
Third Priority Principal Distributable Amount			0.00
Aggregate Class D Interest Distributable Amount			79,458.00
Fourth Priority Principal Distributable Amount			0.00
Reserve Account Deposit			2,679,883.67
Noteholders' Regular Principal Distributable Amount			9,428,100.67
Indenture Trustee expenses			0.00
Unpaid Fees due to Trustees, Administrator and Asset Representations Reviewer			1,500.00
Excess Total Available Amount to the Certificateholders			109,085.75
Total Distributions			12,743,093.01

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Statement to Securityholder

Ally Auto Receivables Trust 2022-2

 

5. Cash Reserve

												Reductions
			Initial Balance			Beginning Balance			Additions			Draws			Releases			Ending Balance						Specified Reserve Account Balance
			2,679,883.67			2,679,883.67			0.00			0.00			0.00			2,679,883.67						2,679,883.67

6. Collateral Summary

												Initial			Beginning			Ending
Balances			Number of Receivables									59,250			16,027			15,165
			Aggregate Receivables Principal Balance									1,071,953,466.28			108,652,727.88			99,224,627.21
			Aggregate Amount Financed									1,112,887,614.32			110,114,785.25			100,516,132.66
			Pool Factor												10.1359556			9.2564305
Weighted Averages			Coupon									6.55%			6.66%			6.67%
			Original Maturity									69.41			72.72			72.90
			Remaining Maturity									55.00			19.92			19.23

Prepayment Percentage			Monthly Period
			46
			1.07%

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Statement to Securityholder

Ally Auto Receivables Trust 2022-2

7. Net Charge-Offs, Delinquencies, and Bankruptcies

 

Net Charge-Offs																					Cumulative Net Charge-Offs
Period			Average Aggregate Amount Financed			Number of Units Charged-Off			Net Charge-Offs (Recoveries)			Average Net Charge-Offs (Recoveries)			Loss Rate						Aggregate Amount Financed			Cumulative Net Charge-Offs			Cumulative Loss Rate
Current			105,315,458.96			25			137,390.35			5,495.61			1.5655%						1,112,887,614.32			10,461,241.46			0.9400%
Preceding			115,024,854.21			30			104,607.91			3,486.93			1.0913%
Next Preceding			125,269,939.95			19			51,661.99			2,719.05			0.4949%
Third Preceding			136,570,750.41			26			86,794.47			3,338.25			0.7626%
Four Month Average															0.9786%

Delinquencies															Delinquency Stratification
Period			Total Accounts			Accounts over 60			Percent Delinquent						Days			Total Accounts			Total Balance			Percent Delinquent
Current			15,165			147			0.9693%						31 - 60			324			2,901,673.89			2.8868%
Preceding			16,027			157			0.9796%						61 - 90			121			1,132,644.90			1.1268%
Next Preceding			16,856			147			0.8721%						91 - 120			25			208,828.91			0.2078%
Three Month Average									0.9403%						> 120			1			289.38			0.0003%

Bankruptcies
			Total Accounts			Total Balance
Prior Period			205			1,735,637.29			1
Additions			7			48,404.66
Removals2			7			23,762.35
Ending			205			1,760,279.60

1 Total Balance for Prior Period reflects the aggregate balance as of the last day of the related Collection Period.

2 Include bankruptcies returned to active status, bankruptcies paid-in-full, and charge-offs on prior period bankruptcies.

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Statement to Securityholder

Ally Auto Receivables Trust 2022-2

8. Performance Tests

For the Collection Period

Event of Default

All Tests Passed

Servicer Default

All Tests Passed

Overcollateralization:

Initial

4,823,466.28

Current

13,935,395.06

Overcollateralization Target Reached?

YES

Target

13,935,395.06

Asset Representations Review Delinquency Trigger:

Monthly Period

Trigger

Monthly

61+

1-12

1.70%

Period

Trigger

Delinquencies

13-24

2.60%

46

3.90%

1.33%

Pass

25-36

3.10%

37+

3.90%

9. Supplemental Disclosures

For the Collection Period

Supplemental Servicing Fees

37,197.63

Other Fees or Expenses Accrued

0.00

Liquidation Expenses

13,750.00

Have there been any material modifications, extensions, or waivers relating to the terms of or fees, penalties or payments on, pool assets during the period or that, cumulatively, have become material over time?

No

Have there been any material changes in determining or defining delinquencies, charge-offs or uncollectible amounts?

No

Have there been any receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred?

No

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