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v3.25.3

Debt (Tables) | 9 Months Ended
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Sep. 30, 2025
Debt Disclosure [Abstract] |
Schedule of Short-term Debt | The following table presents the composition of our short-term borrowings portfolio.
|  | September 30, 2025 |  | December 31, 2024
($ in millions) |  | Unsecured |  | Secured (a) |  | Total |  | Unsecured |  | Secured (a) |  | Total
Federal Home Loan Bank |  | $ | — |  |  | $ | 3,350 |  |  | $ | 3,350 |  |  | $ | — |  |  | $ | 1,625 |  |  | $ | 1,625 |
Securities sold under agreements to repurchase |  | — |  |  | 529 |  |  | 529 |  |  | — |  |  | — |  |  | — |
Total short-term borrowings |  | $ | — |  |  | $ | 3,879 |  |  | $ | 3,879 |  |  | $ | — |  |  | $ | 1,625 |  |  | $ | 1,625 |
(a)Refer to the section below titled Long-Term Debt for further details on assets restricted as collateral for payment of the related debt.
Schedule of Long-term Debt | The following table presents the composition of our long-term debt portfolio.
|  | September 30, 2025 |  | December 31, 2024
($ in millions) |  | Unsecured |  | Secured |  | Total |  | Unsecured |  | Secured |  | Total
Long-term debt (a) |  |  |  |  |  |  |  |  |  |  |  |
Due within one year |  | $ | 1,088 |  |  | $ | 2,418 |  |  | $ | 3,506 |  |  | $ | 2,408 |  |  | $ | 2,411 |  |  | $ | 4,819 |
Due after one year |  | 9,994 |  |  | 3,249 |  |  | 13,243 |  |  | 8,654 |  |  | 4,022 |  |  | 12,676 |
Total long-term debt (b) |  | $ | 11,082 |  |  | $ | 5,667 |  |  | $ | 16,749 |  |  | $ | 11,062 |  |  | $ | 6,433 |  |  | $ | 17,495 |
(a)Includes basis adjustments related to the application of hedge accounting. Refer to Note 19 for additional information. (b)Includes advances from the FHLB of Pittsburgh of $7.1 billion and $4.2 billion at September 30, 2025, and December 31, 2024, respectively.
Schedule of Maturities of Long-term Debt | The following table presents the scheduled remaining maturity of long-term debt at September 30, 2025, assuming no early redemptions will occur. The amounts below include adjustments to the carrying value resulting from the application of hedge accounting. The actual payment of secured debt may vary based on the payment activity of the related pledged assets.
($ in millions) |  | 2025 |  | 2026 |  | 2027 |  | 2028 |  | 2029 |  | 2030 and thereafter |  | Total
Unsecured |  |  |  |  |  |  |  |  |  |  |  |  |  |
Long-term debt |  | $ | 1,096 |  |  | $ | 80 |  |  | $ | 1,614 |  |  | $ | 896 |  |  | $ | 1,778 |  |  | $ | 6,326 |  |  | $ | 11,790 |
Original issue discount |  | (19) |  |  | (82) |  |  | (94) |  |  | (107) |  |  | (123) |  |  | (283) |  |  | (708) |
Total unsecured |  | 1,077 |  |  | (2) |  |  | 1,520 |  |  | 789 |  |  | 1,655 |  |  | 6,043 |  |  | 11,082 |
Secured |  |  |  |  |  |  |  |  |  |  |  |  |  |
Long-term debt |  | 689 |  |  | 2,246 |  |  | 1,633 |  |  | 954 |  |  | 97 |  |  | 48 |  |  | 5,667 |
Total long-term debt |  | $ | 1,766 |  |  | $ | 2,244 |  |  | $ | 3,153 |  |  | $ | 1,743 |  |  | $ | 1,752 |  |  | $ | 6,091 |  |  | $ | 16,749 |
Schedule of Pledged Assets for the Payment of the Related Secured Borrowings and Repurchase Agreements | The following table summarizes assets restricted as collateral for the payment of the related debt obligation.
($ in millions) |  | September 30, 2025 |  | December 31, 2024 |  |
Consumer automotive finance receivables |  | $ | 36,396 |  |  |  |  | $ | 38,316 |  |  |
Consumer mortgage finance receivables |  | 16,288 |  |  |  |  | 17,269 |  |  |
Commercial finance receivables |  | 7,034 |  |  |  |  | 6,297 |  |  |
Investment securities (amortized cost of $3,136 and $2,822) (a) |  | 3,326 |  |  |  |  | 2,946 |  |  |
Other assets (b) |  | 980 |  |  |  |  | 669 |  |  |
Total assets restricted as collateral (c) (d) |  | $ | 64,024 |  |  |  |  | $ | 65,497 |  |  |
Secured debt (e) |  | $ | 9,546 |  |  |  |  | $ | 8,058 |  |  |
(a)A portion of the restricted investment securities at September 30, 2025, was restricted under repurchase agreements. Refer to the section above titled Short-Term Borrowings for information on the repurchase agreements. (b)Includes the collateral accounts restricted for the payment of credit-linked notes recorded within restricted cash and cash equivalents. Excludes restricted cash and cash reserves for securitization trusts. Refer to Note 11 and Note 18 for additional information. (c)All restricted assets are those of Ally Bank. (d)Ally Bank has an advance agreement with the FHLB, and had assets pledged to secure borrowings that were restricted as collateral to the FHLB totaling $26.1 billion and $26.5 billion at September 30, 2025, and December 31, 2024, respectively. These assets were primarily composed of consumer mortgage finance receivables and loans as well as mortgage-backed securities. Ally Bank has access to the FRB Discount Window and had assets pledged and restricted as collateral to the FRB totaling $33.7 billion and $33.8 billion at September 30, 2025, and December 31, 2024, respectively. These assets were composed of consumer automotive finance receivables and loans. Availability under these programs is only for the operations of Ally Bank and cannot be used to fund the operations or liabilities of Ally or its other subsidiaries. (e)Includes $3.9 billion and $1.6 billion of short-term borrowings at September 30, 2025, and December 31, 2024, respectively.

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