Investor Presentaiton

Supplemental Interest Rate Risk Net Financing Revenue Sensitivity Analysis (1) ($ millions) Change in interest rates -100 bps +100 bps Stable rate environment 4Q 23 3Q 23 Gradual (2) Instantaneous Gradual (2) $ (96) SA (107) $ (111) $ Instantaneous (100) $ 88 3 97 $ 101 n/m 16 n/m 41 (1) Net financing revenue impacts reflect a rolling 12-month view. See page 38 for additional details. (2) Gradual changes in interest rates are recognized over 12 months. Effective Hedge Notional (EOP) 4Q 2023 Preliminary Results Fair Value Hedging on Fixed-Rate Consumer Auto Loans 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Effective Hedge Notional Outstanding $17B $17B $16B $16B $17B $16B $10B $7B $3B Average Pay-Fixed Rates 2.7% 3.5% 4.1% 4.2% 4.1% 4.1% 4.4% 4.3% 4.5% *Receive float combination of SOFR/OIS Fair Value Hedging on Fixed-Rate Investment Securities 4Q 23 1Q 24 20 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 Effective Hedge Notional Outstanding $12B $12B $12B $12B $13B $12B $11B $11B $10B Average Pay-Fixed Rates 3.9% 3.9% 3.9% 3.9% 3.9% 3.9% 3.9% 3.9% 3.9% ally do it right. 33

View entire presentation