Investor Presentaiton

Asset Quality: Key Metrics Consolidated Net Charge-Offs (NCOs) 1.31% 1.16% 1.20% 1.16% $456 $409 $399 0.85% $390 $276 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Note: Ratios exclude loans measured at fair value and loans held-for-sale. See page 38 for definition. Retail Auto Net Charge-Offs (NCOs) Net Charge-Off Activity ($ millions) 3Q 2023 Preliminary Results 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Annualized NCO Rate Retail Auto $ 217 $ 347 $ 351 $ 277 $ 393 Commercial Auto 4 Mortgage Finance Corporate Finance 1 31 99 NCOS ($M) Ally Lending 16 26 80 30 27 56 (3) 27 29 Ally Credit Card Corp/Other (1) 13 19 29 29 (2) (2) 36 39 (1) (1) (2) 22 Total $ 276 $ 390 $ 409 $ 399 $ 456 (1) Corp/Other includes legacy Mortgage HFI portfolio. Retail Auto Delinquencies 3.85% 3.56% 3.60% 30+ DPD Delinquency Rate 3.24% Annualized 1.85% NCO Rate 2.93% 1.03% 60+ DPD Delinquency 1.66% 1.68% 0.94% Rate $393 0.89% $878 0.80% $347 $351 1.32% $796 0.69% $738 1.05% $666 $277 60+ Delinquent Contracts ($M) NCOS ($M) $577 $217 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 See page 38 for definition. Notes: [1] Includes accruing contracts only [2] Days Past Due ("DPD"). ally do it right. 14

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