Investor Presentaiton

Capital 4Q 2023 Preliminary Results • 4Q '23 CETI ratio of 9.4% and TCE / TA ratio of 5.5% (1) Capital Ratios and Risk-Weighted Assets ($ billions) Closing of Ally Lending sale in early 2024 adds ~15bps of CET1 12.2% 12.5% 12.5% 12.5% 12.4% • • $3.8B of CETI capital above FRB requirement of 7.0% (Regulatory Minimum + SCB) 9.0% internal operating target Executed several capital management actions in 4Q '23 Total Capital Ratio 10.7% 10.7% 10.7% 10.7% 10.8% Tier 1 Ratio 9.3% 9.2% 9.3% 9.3% 9.4% CET1 Ratio $157 $158 $159 $161 $162 Risk Weighted Assets • - Reached agreement to sell Ally Lending - Deconsolidated $1.7B of retail auto loans from balance sheet - Transferred $3.6B of securities from AFS to HTM 4Q 22 Announced IQ '24 common dividend of $0.30 per share Adjusted Tangible Book Value Per Share(1) 100% increase since 2014 $28 $23 2014 2017 1Q 23 2Q 23 3Q 23 4Q 23 Note: For more details on the final rules to address the impact of CECL on regulatory capital by allowing BHCS and banks, including Ally, to delay and subsequently phase-in its impact, see page 38. $46 (ex. OCI) (1) $13 OCI Impact (2) $36 $33 2020 2023 End of Period Shares Outstanding: 480M 437M 12 (1) (2) Contains a Non-GAAP financial measure. See pages 35-37 for definitions. Prior period OCI impacts are not material to Adjusted Tangible Book Value per Share and therefore not shown. 375M 302M ally do it right. 14

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