Investor Presentaiton

Asset Quality: Key Metrics Consolidated Net Charge-Offs (NCOs) (1) Net Charge-Off Activity (1) ($ millions) 4Q 2023 Preliminary Results 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1.77% Annualized NCO Rate Retail Auto $ 347 $ 351 $ 277 $ 393 $ 470 Commercial Auto 19 $623 1.31% 1.16% 1.20% 1.16% Mortgage Finance $456 $390 $409 $399 NCOS ($M) Corporate Finance Ally Lending 26 50 Ally Credit Card 19 29 29 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 (2) Note: Ratios exclude loans measured at fair value and loans held for sale ex. Ally Lending. See page 38 for definition. Corp/Other (2) Total $ 390 $ 409 $ 399 $ 456 $ 623 (2) Corp/Other includes legacy Mortgage HFI portfolio. 56 (3) 48 30 27 29 36 36 800 39 52 (1) (1) (2) (2) Retail Auto Net Charge-Offs (NCOs) (1) Retail Auto Delinquencies 4.38% excluding impact from retail auto loan sales 30+ DPD 4.42% Delinquency Rate 2.21% Annualized NCO Rate 3.85% 3.56% 3.60% 1.23% 60+ DPD Delinquency 1.85% $470 3.24% 1.03% Rate 1.66% 1.68% 0.94% $1,037 0.89% 60+ $393 0.80% $878 1.32% $796 $347 $351 NCOs ($M) $738 $666 Delinquent Contracts ($M) $277 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 (1) Excludes write-downs from retail auto loan sales and pending Ally Lending sale. Notes: [1] Includes accruing contracts only [2] Days Past Due ("DPD"). ally do it right. 15

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