Investor Presentaiton

3Q 2023 Preliminary Results Auto Finance: Demonstrating Strength and Scale Simple message to dealers encouraging Ally consideration on all application volume 13.0M 2021 12.5M 2022 13.5M+ 2023 Record application flow allows selective underwriting, and strong pricing and risk-adjusted returns Retail auto volume and credit tier mix Est. originated yield (1) 7.1% $41B 8.2% $43B ~10.7% Est. FY RETAIL auto origination volume and YTD credit-tier mix ~$37B(2) Est. $40B consumer auto originations inc. lease S-Tier 26% 24% Approval rate → 35% 34% Loss Profile 37% +-- Lower 50% A-Tier 51% 30% 44% 21% B-Tier 18% 14% Higher C/D/E Tier 2021 2022 2023 (1) Estimated Retail Auto Originated Yield is a forward-looking financial measure. See page 38 for details. (2) Estimated full-year retail auto origination volume and year-to-date credit tier mix ally do it right. 17

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