Investor Presentaiton

• Ally Bank: Deposit and Customer Trends #1 Largest All-Digital, Direct U.S. Bank (1) 3M Ally Bank 58 Consecutive Quarters Deposit Customers of Customer Growth • Total deposits of $152.8 billion, up $7.1 billion YoY $140B Retail Deposit Balances Total Deposits: Retail & Brokered 3Q 2023 Preliminary Results 14+ Consecutive Years of Retail Deposit Growth Retail deposits of $140.1 billion, up $6.2 billion YoY and $1.1 billion QoQ 3 million retail deposit customers, up 15% YoY - 95 thousand net new customers in 3Q '23 ($ billions; EoP) 2.45% 3.16% 3.68% 4.00% 1.50% Avg. Retail Portfolio Interest Rate $152 $154 $154 $153 $146 $15 $16 $15 $13 $12 Brokered/ Other 72% of new customers from millennial or younger generations Industry leading 96% customer retention rate Nearly 300 thousand multi-product bank customers, 30% annual growth rate since 2019 Net New Retail Deposit Customers $134 $138 $138 $139 $140 Retail 3Q 22 4Q 22 1Q 23 2Q 23 Note: Brokered/Other includes sweep deposits, mortgage escrow and other deposits. 3Q 23 Ally Bank: Multi-product Relationship Customers Deposit customers with an Ally Invest, Ally Home or Ally Credit Card relationship 51k 85k 126k 95k 86k 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 See page 39 or footnotes. (in thousands) 287 256 267 276 209 209 221 229 237 235 193 172 149 161 133 82 93 103 114 1Q 19 3Q 19 1Q 20 3Q 20 1Q 21 3Q 21 1Q 22 3Q 22 1Q 23 3Q 23 Note: Ally Bank, Member FDIC and Equal Housing Lender, which offers mortgage lending, point-of-sale personal lending, and a variety of deposit and other banking products, a consumer credit card business, a corporate finance business for equity sponsors and middle-market companies. Additionally, we offer securities-brokerage and investment advisory services through Ally Invest. ally do it right. 23

View entire presentation