Investor Presentaiton

2023 Financial Outlook Net Interest Margin 3Q 2023 Preliminary Results Prior Outlook Current Outlook 3.4% >3.3% Other Revenue $1.9B $1.9B Retail Auto Portfolio Yield (4Q '23) 9.0% 9.0% Retail Deposit Portfolio Yield (4Q (23) 4.1% 4.1 - 4.2% Retail Auto NCOs 1.8% 1.8% Adj. Noninterest Expense Tax Rate (2) (1) Non-GAAP Financial Measures. See pages 35-37 for definitions. (2) Assumes statutory U.S. Federal tax rate of 21% $4.9B $4.9B 18% 9% ~18% in 4Q '23 ally do it right. 27 27

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