Investor Presentaiton

Funding and Liquidity High-quality deposit funding and strong liquidity position Funding Composition Unsecured Debt FHLB / Other Secured Debt Total Deposits Total Available Liquidity ($ billions) Cash and Equivalents FHLB Unused Pledged Borrowing Capacity FRB Discount Window Pledged Capacity Unencumbered Highly Liquid Securities 3Q 2023 Preliminary Results $64.2 $8.0 $11.0 $45.0 $44.6 $40.5 $35.5 $9.3 $9.5 $5.1 $4.6 $25.6 $11.1 $12.2 $6.1 $12.3 86% 88% 88% 87% 87% $2.0 $2.0 $2.1 $2.1 $22.7 $22.2 $21.5 $20.7 $19.6 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Loan to Deposit Ratio(1) 99% (1) Total loans and leases. 96% 95% 96% 98% Available Liquidity vs. Uninsured Deposits 2.3x 2.7x 3.7x 4.0x 5.6x Note: Excludes estimated incremental funding capacity if securities were pledged to Bank Term Funding Program at par relative to market value (~$2.9B). ally do it right. 8

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