Investor Presentaiton

Asset Quality: Coverage and Reserves Consolidated Coverage ($ billions) Retail Auto Coverage ($ billions) 3Q 2023 Preliminary Results 2.71% 2.72% 2.74% 2.72% 2.73% Reserve (%) 3.56% 3.60% 3.60% 3.62% 3.62% Reserve (%) 3.34% 2.03% $3.6 $3.7 $3.8 $3.8 $3.8 $3.0 $3.0 $3.0 $3.1 $3.1 Reserve ($) $2.4 Reserve ($) $2.6 CECL Day 1 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 CECL Day 1 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships. Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships. Consolidated QoQ Reserve Walk ($ millions) 2Q '23 1 Net Charge- off Activity Reserve ($456) 3Q '23 NCOs $3,781 $456 Replenished 2 ▲ In Portfolio Size 3 All Other $63 ($7) Loan Growth Includes macroeconomic variables 3Q '23 Reserve $3,837 ally do it right. 15

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