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Other Assets (Tables) | 9 Months Ended
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Sep. 30, 2025
Other Assets [Abstract] |
Schedule of Other Assets | The components of other assets were as follows.
($ in millions) |  | September 30, 2025 |  | December 31, 2024
Property and equipment at cost |  | $ | 2,269 |  |  | $ | 2,226 |
Accumulated depreciation |  | (1,093) |  |  | (973) |
Net property and equipment |  | 1,176 |  |  | 1,253 |
Net deferred tax assets |  | 2,175 |  |  | 1,916 |
Proportional amortization investments (a) (b) |  | 2,080 |  |  | 2,131 |
Restricted cash and cash equivalents (c) |  | 1,131 |  |  | 788 |
Accrued interest, fees, and rent receivables (d) |  | 896 |  |  | 929 |
Nonmarketable equity investments |  | 858 |  |  | 789 |
Equity-method investments (e) |  | 705 |  |  | 632 |
Restricted cash held for securitization trusts (f) |  | 227 |  |  | 300 |
Other accounts receivable |  | 213 |  |  | 312 |
Goodwill |  | 190 |  |  | 551 |
Operating lease right-of-use assets |  | 91 |  |  | 92 |
Net intangible assets |  | — |  |  | 54 |
Other assets |  | 953 |  |  | 913 |
Total other assets |  | $ | 10,695 |  |  | $ | 10,660 |
(a)Proportional amortization investments includes qualifying LIHTC, NMTC, and HTC investments. (b)Presented gross of the associated unfunded commitment. Refer to Note 14 for further information. (c)Primarily represents restricted cash equivalents funded through the issuance of credit-linked notes. Additionally, includes a number of arrangements with third parties where certain restrictions are placed on balances we hold due to collateral agreements associated with operational processes with a third-party bank, partner, or letter of credit arrangements and corresponding collateral requirements. Refer to Note 18 for further information about the issuance of credit-linked notes. (d)Primarily relates to accrued interest, fees, and rent receivables related to our consumer automotive and commercial automotive finance receivables and loans. (e)Primarily relates to investments made in connection with our CRA program. (f)Includes restricted cash collected from customer payments on securitized receivables, which are distributed by us to investors as payments on the related secured debt, and cash reserve deposits utilized as a form of credit enhancement for various securitization transactions.
Schedule of Activity in Proportional Amortization Investment | The following table summarizes information about our proportional amortization investments.
| Three months ended September 30, |  | Nine months ended September 30, |  |
($ in millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  |
Tax credits and other tax benefits from proportional amortization investments (a) (b) | $ | 91 |  |  | $ | 106 |  |  | $ | 249 |  |  | $ | 215 |  |  |
Investment amortization expense recognized as a component of income tax expense (a) | 73 |  |  | 86 |  |  | 198 |  |  | 174 |  |  |
Net benefit from proportional amortization investments (a) | $ | 18 |  |  | $ | 20 |  |  | $ | 51 |  |  | $ | 41 |  |  |
(a)Amounts are included within income tax expense from continuing operations on our Condensed Consolidated Statement of Comprehensive Income and as a component of operating activities within deferred income taxes, other assets, and other liabilities on our Condensed Consolidated Statement of Cash Flows. (b)There were no impairment losses recognized during both the three months and nine months ended September 30, 2025, and September 30, 2024, resulting from the forfeiture or ineligibility of tax credits or other circumstances.
Schedule of Equity Securities without Readily Determinable Fair Value | The total carrying value of the nonmarketable equity investments held at September 30, 2025, and December 31, 2024, including cumulative unrealized gains and losses, was as follows.
($ in millions) | September 30, 2025 |  | December 31, 2024
FRB stock | $ | 442 |  |  | $ | 440 |
FHLB stock | 310 |  |  | 258 |
Equity investments without a readily determinable fair value |  |  |
Cost basis | 91 |  |  | 74 |
Adjustments |  |  |
Upward adjustments | 53 |  |  | 53 |
Downward adjustments (including impairment) | (38) |  |  | (36) |
Carrying amount, equity investments without a readily determinable fair value | 106 |  |  | 91 |
Nonmarketable equity investments | $ | 858 |  |  | $ | 789 |
During the three months and nine months ended September 30, 2025, and September 30, 2024, unrealized gains and losses included in the carrying value of the nonmarketable equity investments still held as of September 30, 2025, and September 30, 2024, were as follows.
| Three months ended September 30, |  | Nine months ended September 30,
($ in millions) | 2025 |  | 2024 |  | 2025 |  | 2024
Upward adjustments | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 2 |
Downward adjustments (including impairment) (a) | $ | — |  |  | $ | (5) |  |  | $ | (2) |  |  | $ | (19) |
(a)No impairment on FHLB and FRB stock was recognized during both the three months and nine months ended September 30, 2025, and September 30, 2024.
Schedule of Goodwill | The carrying balance of goodwill by reportable operating segment was as follows.
($ in millions) |  | Automotive Finance operations |  | Insurance operations |  | Corporate and Other (a) |  | Total
Goodwill at December 31, 2023 |  | $ | 20 |  |  | $ | 27 |  |  | $ | 622 |  |  | $ | 669 |
Goodwill impairment |  | — |  |  | — |  |  | (118) |  |  | (118) |
Goodwill at December 31, 2024 |  | $ | 20 |  |  | $ | 27 |  |  | $ | 504 |  |  | $ | 551 |
Goodwill impairment |  | — |  |  | — |  |  | (305) |  |  | (305) |
Transfer to assets of operations held-for-sale (b) |  | — |  |  | — |  |  | (56) |  |  | (56) |
Goodwill at September 30, 2025 |  | $ | 20 |  |  | $ | 27 |  |  | $ | 143 |  |  | $ | 190 |
(a)Includes $143 million of goodwill associated with Ally Invest at both September 30, 2025, and December 31, 2024, and $361 million of goodwill associated with Ally Credit Card at December 31, 2024. (b)We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
Schedule of Finite-Lived Intangible Assets | The net carrying value of intangible assets by class was as follows.
| September 30, 2025 |  | December 31, 2024
($ in millions) | Gross intangible assets |  | Accumulated amortization |  | Net carrying value |  | Gross intangible assets |  | Accumulated amortization |  | Net carrying value
Technology | $ | 39 |  |  | $ | (39) |  |  | $ | — |  |  | $ | 117 |  |  | $ | (77) |  |  | $ | 40 |
Customer lists | 41 |  |  | (41) |  |  | — |  |  | 41 |  |  | (41) |  |  | — |
Purchased credit card relationships | — |  |  | — |  |  | — |  |  | 25 |  |  | (11) |  |  | 14 |
Trademarks | — |  |  | — |  |  | — |  |  | 2 |  |  | (2) |  |  | — |
Total intangible assets | $ | 80 |  |  | $ | (80) |  |  | $ | — |  |  | $ | 185 |  |  | $ | (131) |  |  | $ | 54 |

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