Investor Presentaiton

4Q 2023 Preliminary Results Retail Deposit Balances Ally Bank: Deposit and Customer Trends #1 Largest All-Digital, Direct U.S. Bank(1) $142B $5B 3M 92% FDIC Insured FY '23 Growth (Balances Every Quarter) Ally Bank Deposit Customers 97% Customer Retention (2) Total Deposits: Retail & Brokered • Total deposits of $154.7 billion, up $2.4 billion YoY ($ billions; EoP) Avg. Retail Retail deposits of $142.3 billion, up $4.6 billion YoY and $2.2 billion QoQ 2.45% 3.16% 3.68% 4.00% 4.15% Portfolio Interest Rate $152.3 $14.6 $154.0 $154.3 $15.5 $15.4 $152.8 $12.7 $154.7 $12.4 Brokered / Other • Total deposits up YoY driven by higher retail balances 3 million retail deposit customers, up 13% YoY Record growth in net retail deposit customers of 359 thousand in 2023 Nearly 300 thousand multi-product bank customers Net Growth in Retail Deposit Customers (# in thousands) 85k 126k 95k 86k $137.7 $138.5 $139.0 $140.1 $142.3 Retail 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 Note: Brokered/Other includes sweep deposits, mortgage escrow and other deposits. Ally Bank: Multi-product Relationship Customers Deposit customers with an Ally Invest, Ally Home or Ally Credit Card relationship (# in thousands) 52k 193 133 149 161 172 209209 221 229 237 235 256 267276287299 93 103 114 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 See page 39 for footnotes. 2Q 19 4Q 19 2Q 20 4Q 20 2Q 21 4Q 21 2Q 22 4Q 22 2Q 23 4Q 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. | 22

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