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Midas Edge

Ally Financial Inc

For the period ended Dec 31, 2023. Filed Feb 20, 2024.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2023 · Filed Feb 20, 2024

ALLY$37.67-2.2%Stored close · as of Nov 10, 2026

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Contents

Item 15. Exhibits and Financial Statement Schedules

The exhibits listed on the accompanying Index of Exhibits are filed or incorporated by reference as a part of this report. This Index is incorporated herein by reference. Certain financial statements schedules have been omitted because prescribed information has been incorporated into the Consolidated Financial Statements or notes thereto.

ExhibitDescriptionMethod of Filing
3.1Form of Amended and Restated Certificate of IncorporationFiled as Exhibit 3.1 to the Company’s Current Report on Form 8-K dated as of March 14, 2014, (File No. 1-3754), incorporated herein by reference.
3.2Ally Financial Inc. Amended and Restated BylawsFiled as Exhibit 3.1 to the Company’s Current Report on Form 8-K dated as of December 9, 2022, (File No. 1-3754), incorporated herein by reference.
3.3Certificate of Designation of 4.7% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series BFiled as Exhibit 3.1 to the Company’s Current Report on Form 8-K dated April 22, 2021 (File No. 1-3754), incorporated herein by reference.
3.4Certificate of Designation of 4.7% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series CFiled as Exhibit 3.1 to the Company’s Current Report on Form 8-K dated May 25, 2021 (File No. 1-3754), incorporated herein by reference.
4.1Form of Indenture dated as of July 1, 1982, between the Company and Bank of New York (Successor Trustee to Morgan Guaranty Trust Company of New York), relating to Debt SecuritiesFiled as Exhibit 4(a) to the Company’s Registration Statement No. 2-75115, incorporated herein by reference.
4.1.1Form of First Supplemental Indenture dated as of April 1, 1986, supplementing the Indenture designated as Exhibit 4.1Filed as Exhibit 4(g) to the Company’s Registration Statement No. 33-4653, incorporated herein by reference.
4.1.2Form of Second Supplemental Indenture dated as of June 15, 1987, supplementing the Indenture designated as Exhibit 4.1Filed as Exhibit 4(h) to the Company’s Registration Statement No. 33-15236, incorporated herein by reference.
4.1.3Form of Third Supplemental Indenture dated as of September 30, 1996, supplementing the Indenture designated as Exhibit 4.1Filed as Exhibit 4(i) to the Company’s Registration Statement No. 333-33183, incorporated herein by reference.
4.1.4Form of Fourth Supplemental Indenture dated as of January 1, 1998, supplementing the Indenture designated as Exhibit 4.1Filed as Exhibit 4(j) to the Company’s Registration Statement No. 333-48705, incorporated herein by reference.
4.1.5Form of Fifth Supplemental Indenture dated as of September 30, 1998, supplementing the Indenture designated as Exhibit 4.1Filed as Exhibit 4(k) to the Company’s Registration Statement No. 333-75463, incorporated herein by reference.
4.1.6Form of Sixth Supplemental Indenture dated as of June 9, 2022, supplementing the Indenture designated as Exhibit 4.1Filed as Exhibit 4.1 to the Company’s Current Report on Form 8-K dated as of June 9, 2022 (File No. 1-3754), incorporated herein by reference.
4.2Form of Indenture dated as of September 24, 1996, between the Company and The Chase Manhattan Bank, Trustee, relating to Term NotesFiled as Exhibit 4 to the Company’s Registration Statement No. 333-12023, incorporated herein by reference.
4.2.1Form of First Supplemental Indenture dated as of January 1, 1998, supplementing the Indenture designated as Exhibit 4.2Filed as Exhibit 4(a)(1) to the Company’s Registration Statement No. 333-48207, incorporated herein by reference.
4.2.2Form of Second Supplemental Indenture dated as of June 30, 2006, supplementing the Indenture designated as Exhibit 4.2Filed as Exhibit 4(a)(2) to the Company’s Registration Statement No. 333-136021, incorporated herein by reference.
4.2.3Form of Third Supplemental Indenture dated as of August 24, 2012, supplementing the Indenture designated as Exhibit 4.2Filed as Exhibit 4.1.3 to the Company’s Registration Statement No. 333-183535, incorporated herein by reference.
4.2.4Form of Fourth Supplemental Indenture dated as of August 24, 2012, supplementing the Indenture designated as Exhibit 4.2Filed as Exhibit 4.1.4 to the Company’s Registration Statement No. 333-183535, incorporated herein by reference.
4.3Indenture, dated as of December 31, 2008, between the Company and The Bank of New York Mellon, TrusteeFiled as Exhibit 4.2 to the Company’s Current Report on Form 8-K dated as of January 2, 2009, (File No. 1-3754), incorporated herein by reference.
4.4Form of Guarantee Agreement related to Ally Financial Inc. Senior Unsecured Guaranteed NotesFiled as Exhibit 4.10 to the Company’s Registration Statement No. 333-193070, incorporated herein by reference.
ExhibitDescriptionMethod of Filing
4.5Form of Fixed Rate Senior Unsecured NoteFiled as Exhibit 4.8 to the Company’s Registration Statement No. 333-193070, incorporated herein by reference.
4.6Form of Floating Rate Senior Unsecured NoteFiled as Exhibit 4.9 to the Company’s Registration Statement No. 333-193070, incorporated herein by reference.
4.7Indenture, dated as of November 20, 2015, between the Company and The Bank of New York Mellon, TrusteeFiled as Exhibit 4.1 to the Company’s Current Report on Form 8-K dated as of November 20, 2015, (File No. 1-3754), incorporated herein by reference.
4.8Form of Subordinated NoteIncluded in Exhibit 4.13.
4.9Description of SecuritiesFiled as Exhibit 4.15 to the Company’s Annual Report for the period ended December 31, 2019, on Form 10-K (File No. 1-3754), incorporated herein by reference.
4.10Form of Fixed Rate Senior Unsecured NoteFiled as Exhibit 4.2 to the Company’s Current Report on Form 8-K dated as of April 8, 2020, (File No. 1-3754), incorporated herein by reference.
4.11Form of Fixed Rate Senior Unsecured NoteFiled as Exhibit 4.2 to the Company’s Current Report on Form 8-K dated as of June 3, 2020 (File No. 1-3754), incorporated herein by reference.
4.12Form of Fixed Rate Senior Unsecured NoteFiled as Exhibit 4.2 to the Company’s Current Report on Form 8-K dated as of September 18, 2020, (File No. 1-3754), incorporated herein by reference.
10Ally Financial Inc. Incentive Compensation PlanFiled as Exhibit 10 to the Company’s Annual Report for the period ended December 31, 2022, on Form 10-K (File No. 1-3754), incorporated herein by reference.
10.1Ally Financial Inc. Annual Incentive PlanFiled as Exhibit 10.1 to the Company’s Annual Report for the period ended December 31, 2022, on Form 10-K (File No. 1-3754), incorporated herein by reference.
10.2Ally Financial Inc. Employee Stock Purchase PlanFiled as Exhibit 10.4 to the Company’s Annual Report for the period ended December 31, 2021, on Form 10-K (File No. 1-3754), incorporated herein by reference.
10.3Ally Financial Inc. Non-Employee Directors Equity Compensation PlanFiled as Exhibit 10.3 to the Company’s Annual Report for the period ended December 31, 2022, on Form 10-K (File No. 1-3754), incorporated herein by reference.
10.4Ally Financial Inc. Severance Plan, Plan Document and Summary Plan DescriptionFiled as Exhibit 10.6 to the Company’s Annual Report for the period ended December 31, 2018, on Form 10-K (File No. 1-3754), incorporated herein by reference.
10.5Ally Financial Inc. Non-Employee Directors Deferred Compensation PlanFiled as Exhibit 10.6 to the Company’s Annual Report for the period ended December 31, 2021, (File No. 1-3754), incorporated herein by reference.
10.6Form of Award Agreement related to the issuance of Performance Stock UnitsFiled herewith.
10.7Form of Award Agreement related to the issuance of Restricted Stock UnitsFiled herewith.
10.8Form of Award Agreement related to the issuance of Key Contributor Stock UnitsFiled herewith.
10.9Executive Transition AgreementFiled as Exhibit 10.1 to the Company’s Current Report on Form 8-K dated as of November 28, 2023 (File No. 1-3754), incorporated by reference herein.
10.10Letter AgreementFiled as Exhibit 10.1 to the Company’s Current Report on Form 8-K dated as of October 10, 2023 (File No. 1-3754), incorporated by reference herein.
21Ally Financial Inc. Subsidiaries as of December 31, 2023Filed herewith.
22.1Subsidiary GuarantorsFiled as Exhibit 22 to the Company’s Quarterly Report for the period ended March 31, 2020, on Form 10-Q (File No. 1-3754), incorporated herein by reference.
23.1Consent of Independent Registered Public Accounting FirmFiled herewith.
31.1Certification of Principal Executive Officer pursuant to Rule 13a-14(a)/15d-14(a)Filed herewith.
31.2Certification of Principal Financial Officer pursuant to Rule 13a-14(a)/15d-14(a)Filed herewith.
ExhibitDescriptionMethod of Filing
32Certification of Principal Executive Officer and Principal Financial Officer pursuant to 18 U.S.C. Section 1350Filed herewith.
97Policy Relating to the Recovery of Erroneously Awarded CompensationFiled herewith.
101The following information from our 2023 Annual Report on Form 10-K, formatted in Inline XBRL: (i) Consolidated Statement of Income, (ii) Consolidated Statement of Comprehensive Income, (iii) Consolidated Balance Sheet, (iv) Consolidated Statement of Changes in Equity, (v) Consolidated Statement of Cash Flows, and (vi) the Notes to the Consolidated Financial Statements.Filed herewith.
104The cover page of our 2023 Annual Report on Form 10-K, (formatted in Inline XBRL and contained in Exhibit 101)Filed herewith.
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