
($ in millions)	June 30, 2026		December 31, 2025

Consumer automotive (a)	$	89,184	$	85,568
Consumer mortgage (b)	14,960		15,572
Total consumer	104,144		101,140
Commercial
Commercial and industrial
Automotive	20,597		18,339
Other	11,039		10,309
Commercial real estate	7,893		7,666
Total commercial	39,529		36,314
Total finance receivables and loans (c) (d)	$	143,673	$	137,454

(d)Totals do not include accrued interest receivable, which was $807 million and $800 million at June 30, 2026, and December 31, 2025, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.


Three months ended June 30, 2026 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at April 1, 2026	$	3,250	$	11	$	279	$	3,540
Charge-offs (a)	(634)		—		(51)		(685)
Recoveries	290		1		—		291
Net charge-offs	(344)		1		(51)		(394)

Provision for credit losses	439		(1)		(8)		430
Other	—		(1)		1		—
Allowance at June 30, 2026	$	3,345	$	10	$	221	$	3,576


Six months ended June 30, 2026 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at January 1, 2026	$	3,208	$	12	$	270	$	3,490
Charge-offs (a)	(1,305)		—		(52)		(1,357)
Recoveries	537		9		—		546
Net charge-offs	(768)		9		(52)		(811)

Provision for credit losses	906		(10)		1		897
Other	(1)		(1)		2		—
Allowance at June 30, 2026	$	3,345	$	10	$	221	$	3,576


Three months ended June 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Commercial		Total
Allowance at April 1, 2025	$	3,144	$	18	$	236	$	3,398
Charge-offs (a)	(599)		(2)		(1)		(602)
Recoveries	233		2		1		236
Net charge-offs	(366)		—		—		(366)

Provision for credit losses	389		(1)		(4)		384
Other	(1)		—		1		—
Allowance at June 30, 2025	$	3,166	$	17	$	233	$	3,416


Six months ended June 30, 2025 ($ in millions)	Consumer automotive		Consumer mortgage		Consumer other (a)		Commercial		Total
Allowance at January 1, 2025	$	3,170	$	19	$	319	$	206	$	3,714
Charge-offs (b)	(1,275)		(2)		(68)		(2)		(1,347)
Recoveries	464		3		5		2		474
Net charge-offs	(811)		1		(63)		—		(873)

Provision for credit losses	807		(1)		(257)		26		575
Other	—		(2)		1		1		—
Allowance at June 30, 2025	$	3,166	$	17	$	—	$	233	$	3,416


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2026		2025		2026		2025

Consumer mortgage	$	—	$	50	$	—	$	50
Consumer other (a)	—		—		—		2,248
Commercial	26		20		33		93
Total sales and transfers	$	26	$	70	$	33	$	2,391

(a)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information.


	Three months ended June 30,				Six months ended June 30,
($ in millions)	2026		2025		2026		2025
Consumer automotive	$	2,196	$	1,235	$	3,818	$	1,984
Consumer mortgage	—		—		—		8
Commercial	—		—		2		—
Total purchases of finance receivables and loans	$	2,196	$	1,235	$	3,820	$	1,992

The following tables present the amortized cost basis of our finance receivables and loans on nonaccrual status. All consumer or commercial finance receivables and loans that were 90 days or more past due were on nonaccrual status as of June 30, 2026, and December 31, 2025. Refer to Note 1 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information on our accounting policy for finance receivables and loans on nonaccrual status.


					June 30, 2026
($ in millions)	Nonaccrual status at Jan. 1, 2026		Nonaccrual status at Apr. 1, 2026		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,155	$	1,128	$	1,122	$	405
Consumer mortgage	62		62		54		34
Total consumer	1,217		1,190		1,176		439
Commercial
Commercial and industrial
Automotive	15		3		1		1
Other	124		112		47		—
Commercial real estate	10		1		2		2
Total commercial	149		116		50		3
Total finance receivables and loans (b)	$	1,366	$	1,306	$	1,226	$	442

(b)We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $14 million and $27 million for the three months and six months ended June 30, 2026, respectively.


					December 31, 2025
($ in millions)	Nonaccrual status at Jan. 1, 2025		Nonaccrual status at Apr. 1, 2025		Nonaccrual status		Nonaccrual with no allowance (a)
Consumer automotive	$	1,231	$	1,167	$	1,155	$	416
Consumer mortgage	54		56		62		44
Consumer other (b)	90		—		—		—
Total consumer	1,375		1,223		1,217		460
Commercial
Commercial and industrial
Automotive	15		79		15		15
Other (c)	94		94		124		—
Commercial real estate	2		21		10		10
Total commercial	111		194		149		25
Total finance receivables and loans (d)	$	1,486	$	1,417	$	1,366	$	485

(d)We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $3 million and $7 million for the three months and six months ended June 30, 2025, respectively.

We evaluate the credit quality of our consumer loan portfolio based on the aging status of the loan and by payment activity. Loan delinquency reporting is generally based upon borrower payment activity, relative to the contractual terms of the loan.


	Origination year														Revolving loans converted to term
June 30, 2026 ($ in millions)	2026		2025		2024		2023		2022		2021 and prior		Revolving loans				Total
Consumer automotive
Current	$	21,599	$	27,580	$	15,785	$	9,837	$	6,478	$	3,659	$	—	$	—	$	84,938
30–59 days past due	189		673		569		505		449		311		—		—		2,696
60–89 days past due	47		261		249		243		217		139		—		—		1,156
90 or more days past due	13		96		94		86		79		60		—		—		428
Total consumer automotive (a)	21,848		28,610		16,697		10,671		7,223		4,169		—		—		89,218
Consumer mortgage
Current	—		—		12		24		1,640		13,197		—		8		14,881
30–59 days past due	—		—		—		1		1		29		—		—		31
60–89 days past due	—		—		—		—		2		11		—		—		13
90 or more days past due	—		—		—		1		3		30		—		1		35
Total consumer mortgage	—		—		12		26		1,646		13,267		—		9		14,960
Total consumer	$	21,848	$	28,610	$	16,709	$	10,697	$	8,869	$	17,436	$	—	$	9	$	104,178

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost basis excludes a liability of $34 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at June 30, 2026. These basis adjustments would be allocated to the amortized cost basis of specific loans within the pool if the hedge was dedesignated. Refer to Note 18 for additional information.


	Origination year														Revolving loans converted to term
December 31, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Consumer automotive
Current	$	33,588	$	19,891	$	12,759	$	8,885	$	4,253	$	1,696	$	—	$	—	$	81,072
30–59 days past due	483		638		632		600		339		137		—		—		2,829
60–89 days past due	156		272		295		284		148		60		—		—		1,215
90 or more days past due	55		99		103		101		59		29		—		—		446
Total consumer automotive (a)	34,282		20,900		13,789		9,870		4,799		1,922		—		—		85,562
Consumer mortgage
Current	—		15		28		1,690		9,117		4,618		—		7		15,475
30–59 days past due	—		—		2		5		11		17		—		—		35
60–89 days past due	—		—		—		1		6		7		—		—		14
90 or more days past due	—		—		—		5		16		25		—		2		48
Total consumer mortgage	—		15		30		1,701		9,150		4,667		—		9		15,572
Total consumer	$	34,282	$	20,915	$	13,819	$	11,571	$	13,949	$	6,589	$	—	$	9	$	101,134

(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost basis excludes an asset of $6 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at December 31, 2025. These basis adjustments would be allocated to the amortized cost basis of specific loans within the pool if the hedge was dedesignated. Refer to Note 18 for additional information.

We evaluate the credit quality of our commercial loan portfolio using regulatory risk ratings, which are based on relevant information about the borrower’s financial condition, including current financial information, historical payment experience, credit documentation, and current economic trends, among other factors. We use the following definitions for risk ratings below Pass.

•Special mention — Loans that have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.

•Substandard — Loans that are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. These loans have a well-defined weakness or weakness that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

•Doubtful — Loans that have all the weaknesses inherent in those classified as substandard, with the additional characteristic that the weaknesses make collection or liquidation in full, based on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

•Loss — Loans that are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future.

The regulatory risk classification utilized is influenced by internal credit risk ratings, which are based on a variety of factors. A borrower’s internal credit risk rating is updated at least annually, and more frequently when a borrower’s credit profile changes, including when we become aware of potential credit deterioration. The following tables present the amortized cost basis of our commercial finance receivables and loans by credit quality indicator based on risk rating and origination year.


	Origination year														Revolving loans converted to term
June 30, 2026 ($ in millions)	2026		2025		2024		2023		2022		2021 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	819	$	818	$	341	$	227	$	240	$	147	$	16,204	$	—	$	18,796
Special mention	5		2		9		13		10		9		1,697		—		1,745
Substandard	—		—		—		—		1		—		55		—		56


Total automotive	824		820		350		240		251		156		17,956		—		20,597
Other
Pass	319		613		562		201		198		402		7,148		275		9,718
Special mention	—		142		97		—		291		182		344		18		1,074
Substandard	—		—		—		—		—		125		82		—		207
Doubtful	—		—		—		—		—		38		2		—		40

Total other	319		755		659		201		489		747		7,576		293		11,039
Commercial real estate
Pass	678		2,109		919		732		1,007		1,956		64		86		7,551
Special mention	6		21		86		31		65		114		—		—		323
Substandard	—		—		—		2		15		—		—		—		17
Doubtful	—		—		—		2		—		—		—		—		2

Total commercial real estate	684		2,130		1,005		767		1,087		2,070		64		86		7,893
Total commercial	$	1,827	$	3,705	$	2,014	$	1,208	$	1,827	$	2,973	$	25,596	$	379	$	39,529


	Origination year														Revolving loans converted to term
December 31, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Commercial
Commercial and industrial
Automotive
Pass	$	942	$	391	$	257	$	266	$	113	$	86	$	14,861	$	—	$	16,916
Special mention	2		1		15		10		—		5		1,328		—		1,361
Substandard	1		1		—		1		—		—		59		—		62


Total automotive	945		393		272		277		113		91		16,248		—		18,339
Other
Pass	757		594		173		306		215		166		6,647		191		9,049
Special mention	—		47		—		236		115		260		347		8		1,013
Substandard	—		—		—		—		20		61		42		—		123
Doubtful	—		—		—		—		—		107		17		—		124

Total other	757		641		173		542		350		594		7,053		199		10,309
Commercial real estate
Pass	1,981		1,069		759		1,080		919		1,461		55		59		7,383
Special mention	—		45		44		67		45		61		—		—		262
Substandard	—		—		2		15		—		1		—		—		18
Doubtful	—		—		2		1		—		—		—		—		3

Total commercial real estate	1,981		1,114		807		1,163		964		1,523		55		59		7,666
Total commercial	$	3,683	$	2,148	$	1,252	$	1,982	$	1,427	$	2,208	$	23,356	$	258	$	36,314


($ in millions)	30–59 days past due		60–89 days past due		90 days or more past due		Total past due		Current		Total finance receivables and loans
June 30, 2026
Commercial
Commercial and industrial
Automotive	$	—	$	—	$	—	$	—	$	20,597	$	20,597
Other	25		20		—		45		10,994		11,039
Commercial real estate	—		—		2		2		7,891		7,893
Total commercial	$	25	$	20	$	2	$	47	$	39,482	$	39,529
December 31, 2025
Commercial
Commercial and industrial
Automotive	$	—	$	—	$	—	$	—	$	18,339	$	18,339
Other	—		—		70		70		10,239		10,309
Commercial real estate	—		—		3		3		7,663		7,666
Total commercial	$	—	$	—	$	73	$	73	$	36,241	$	36,314

The following tables present gross charge-offs of our finance receivables and loans for each portfolio class by origination year during the six months ended June 30, 2026, and during the year ended December 31, 2025, respectively. Refer to Note 1 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K for additional information on our charge-off policy.


	Origination year														Revolving loans converted to term
June 30, 2026 ($ in millions)	2026		2025		2024		2023		2022		2021 and prior		Revolving loans				Total
Consumer automotive	$	19	$	326	$	302	$	290	$	229	$	139	$	—	$	—	$	1,305

Total consumer	19		326		302		290		229		139		—		—		1,305
Commercial
Commercial and industrial

Other	—		—		—		—		—		52		—		—		52

Total commercial	—		—		—		—		—		52		—		—		52
Total finance receivables and loans	$	19	$	326	$	302	$	290	$	229	$	191	$	—	$	—	$	1,357


	Origination year														Revolving loans converted to term
December 31, 2025 ($ in millions)	2025		2024		2023		2022		2021		2020 and prior		Revolving loans				Total
Consumer automotive	$	168	$	564	$	747	$	660	$	318	$	153	$	—	$	—	$	2,610
Consumer mortgage (a)	—		—		—		1		1		1		—		—		3
Consumer other (b)	—		—		—		—		—		—		64		4		68
Total consumer	168		564		747		661		319		154		64		4		2,681
Commercial
Commercial and industrial
Automotive	—		—		—		—		1		—		1		—		2


Total commercial	—		—		—		—		1		—		1		—		2
Total finance receivables and loans	$	168	$	564	$	747	$	661	$	320	$	154	$	65	$	4	$	2,683

The following tables present the amortized cost basis of loans that were modified subsequent to origination during the three months and six months ended June 30, 2026, and 2025, respectively, for each portfolio segment, by modification type. For additional information on loan modification types in scope of this disclosure, refer to Note 1 to the Consolidated Financial Statements in our 2025 Annual Report on Form 10-K. The below tables exclude consumer mortgage finance receivables and loans currently enrolled in a trial modification program. Trial modifications generally represent a three-month period during which the borrower makes monthly payments under the anticipated modified payment terms. If the borrower successfully completes the trial loan modification program, the contractual terms of the loan are updated and the modification is considered permanent. As of both June 30, 2026, and December 31, 2025, there were $8 million of consumer mortgage finance receivables and loans in a trial modification program.


	Payment extensions
Three months ended June 30, 2026 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total
Consumer automotive	$	—	$	184	$	3	$	—	$	—	$	187
Consumer mortgage	—		3		—		—		—		3
Total consumer	—		187		3		—		—		190
Commercial
Commercial and industrial

Other	—		48		—		—		—		48
Commercial real estate	2		—		—		—		—		2
Total commercial	2		48		—		—		—		50
Total finance receivables and loans	$	2	$	235	$	3	$	—	$	—	$	240


	Payment extensions
Six months ended June 30, 2026 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total (a)
Consumer automotive	$	—	$	369	$	5	$	—	$	—	$	374
Consumer mortgage	—		4		—		—		2		6
Total consumer	—		373		5		—		2		380
Commercial
Commercial and industrial
Automotive	3		—		—		—		—		3
Other	—		101		—		—		—		101
Commercial real estate	2		—		—		—		—		2
Total commercial	5		101		—		—		—		106
Total finance receivables and loans	$	5	$	474	$	5	$	—	$	2	$	486


	Payment extensions
Three months ended June 30, 2025 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total
Consumer automotive	$	—	$	130	$	2	$	—	$	—	$	132
Consumer mortgage	—		1		—		—		1		2
Total consumer	—		131		2		—		1		134
Commercial
Commercial and industrial
Automotive	3		—		—		64		—		67
Other	—		29		—		—		—		29
Commercial real estate	—		—		—		19		—		19
Total commercial	3		29		—		83		—		115
Total finance receivables and loans	$	3	$	160	$	2	$	83	$	1	$	249


	Payment extensions
Six months ended June 30, 2025 ($ in millions)	Payment deferrals		Contractual maturity extensions		Principal forgiveness		Interest rate concessions		Combination		Total (a)
Consumer automotive	$	—	$	228	$	2	$	—	$	1	$	231
Consumer mortgage	—		1		—		—		3		4
Total consumer	—		229		2		—		4		235
Commercial
Commercial and industrial
Automotive	3		—		—		64		—		67
Other	3		57		—		—		—		60
Commercial real estate	—		—		—		19		1		20
Total commercial	6		57		—		83		1		147
Total finance receivables and loans	$	6	$	286	$	2	$	83	$	5	$	382


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b)
Three months ended June 30, 2026 ($ in millions)	Number of months extended/deferred	Amount forgiven		Initial rate		Revised rate		Remaining term	Revised remaining term	Initial rate		Revised rate
Consumer automotive	36	$	1	—	%	—	%	—	—	—	%	—	%
Consumer mortgage	162	—		—		—		—	—	—		—
Commercial
Commercial and industrial

Other	38	$	—	—	%	—	%	—	—	—	%	—	%
Commercial real estate	8	—		—		—		—	—	—		—
Total commercial	37	$	—	—		—		—	—	—		—


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Six months ended June 30, 2026 ($ in millions)	Number of months extended/deferred	Amount forgiven		Initial rate		Revised rate		Remaining term	Revised remaining term	Initial rate		Revised rate
Consumer automotive	36	$	1	—	%	—	%	—	—	—	%	—	%



Consumer mortgage	168	—		—		—		291	402	3.8		2.0
Commercial
Commercial and industrial
Automotive	10	$	—	—	%	—	%	—	—	—	%	—	%
Other	28	—		—		—		—	—	—		—
Commercial real estate	8	—		—		—		—	—	—		—
Total commercial	27	$	—	—		—		—	—	—		—


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Three months ended June 30, 2025 ($ in millions)	Number of months extended/deferred	Amount forgiven		Initial rate		Revised rate		Remaining term	Revised remaining term	Initial rate		Revised rate
Consumer automotive	30	$	—	—	%	—	%	—	—	—	%	—	%
Consumer mortgage	167	—		—		—		317	420	2.9		2.0
Commercial
Commercial and industrial
Automotive	10	$	—	12.1	%	7.6	%	—	—	—	%	—	%
Other	12	—		—		—		—	—	—		—
Commercial real estate	—	—		10.7		5.7		—	—	—		—
Total commercial	12	$	—	11.8		7.2		—	—	—		—


	Payment extensions (a)	Principal forgiveness		Interest rate concessions (a)				Combination (a) (b) (c)
Six months ended June 30, 2025 ($ in millions)	Number of months extended/deferred	Amount forgiven		Initial rate		Revised rate		Remaining term	Revised remaining term	Initial rate		Revised rate
Consumer automotive	30	$	1	—	%	—	%	67	90	13.4	%	7.8	%
Consumer mortgage	175	—		—		—		305	447	3.6		2.3
Commercial
Commercial and industrial
Automotive	10	$	—	12.1	%	7.6	%	—	—	—	%	—	%
Other	14	—		—		—		—	—	—		—
Commercial real estate	—	—		10.7		5.7		29	34	5.0		3.0
Total commercial	14	$	—	11.8		7.2		29	34	5.0		3.0

The following tables present the subsequent performance of loans recorded at amortized cost basis, by portfolio segment and credit quality indicator, that were modified within the 12 months prior to June 30, 2026, and 2025, respectively.


June 30, 2026 ($ in millions)	Current		30–59 days past due		60–89 days past due		90 or more days past due		Total
Consumer automotive

Contractual maturity extensions	$	592	$	112	$	40	$	12	$	756
Principal forgiveness	1		—		—		8		9

Combination	1		—		—		—		1
Total consumer automotive	594		112		40		20		766
Consumer mortgage

Contractual maturity extensions	5		1		—		—		6

Interest rate concessions	—		—		—		1		1
Combination	5		—		—		—		5
Total consumer mortgage	10		1		—		1		12
Total consumer	$	604	$	113	$	40	$	21	$	778


June 30, 2026 ($ in millions)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial
Automotive
Payment deferrals	$	—	$	—	$	2	$	1	$	3



Total automotive	—		—		2		1		3
Other
Payment deferrals	33		—		—		—		33
Contractual maturity extensions	65		109		19		—		193

Total other	98		109		19		—		226
Commercial real estate
Payment deferrals	—		3		—		2		5



Total commercial real estate	—		3		—		2		5
Total commercial	$	98	$	112	$	21	$	3	$	234


June 30, 2025 ($ in millions)	Current		30–59 days past due		60–89 days past due		90 or more days past due		Total
Consumer automotive

Contractual maturity extensions	$	360	$	59	$	21	$	7	$	447
Principal forgiveness	—		—		—		5		5

Combination	2		—		—		—		2
Total consumer automotive	362		59		21		12		454
Consumer mortgage

Contractual maturity extensions	—		1		1		—		2


Combination	3		—		—		—		3
Total consumer mortgage	3		1		1		—		5
Total consumer	$	365	$	60	$	22	$	12	$	459


June 30, 2025 ($ in millions)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial
Automotive
Payment deferrals	$	—	$	—	$	3	$	—	$	3
Interest rate concessions	—		—		64		—		64



Total automotive	—		—		67		—		67
Other
Payment deferrals	—		—		4		—		4
Contractual maturity extensions	25		29		28		—		82
Combination	14		—		—		—		14
Total other	39		29		32		—		100
Commercial real estate

Interest rate concessions	—		—		19		—		19

Combination	—		—		—		1		1
Total commercial real estate	—		—		19		1		20
Total commercial	$	39	$	29	$	118	$	1	$	187

As of June 30, 2026, 3,034 consumer automotive loans with a total amortized cost basis of $68 million redefaulted within 12 months of modification, whereas 2,053 consumer automotive loans with a total amortized cost basis of $50 million redefaulted within 12 months of modification as of June 30, 2025.