Investor Presentaiton

Supplemental Non-GAAP Reconciliation: Core Income - 4Q 2023 Preliminary Results Annual ($ millions) Consolidated Ally Net financing revenue Total other revenue Provision for loan losses. Noninterest expense Pre-tax income from continuing operations FY 2023 FY 2022 GAAP Core OID & Repositioning Items Change in fair value of equity Non-GAAP (1) GAAP Core OID & Repositioning securities Items Change in fair value of equity securities Non-GAAP (1) GAAP FY 2021 Core OID & Repositioning Items Change in fair value of equity Non-GAAP (1) securities $ 6,201 $ 48 $ 6,249 $ 6,850 $ 42 $ 6,892 $ 2,013 (107) 1,906 1,578 215 1,793 6,167 2,039 $ 38 $ $ 6,205 131 7 2,177 1,968 (16) 1,984 1,399 1,399 241 (97) 144 5,163 217 4,946 4,687 77 4.610 4,110 4,110 1,083 $ 250 $ (107) $ 1,226 $ 2,342 $ 119 $ 215 $ 2,676 $ 3,855 $ 265 $ 7 $ 4,128 Corporate/Other Net financing revenue $ 115 $ 48 $ $ 163 $ 982 $ 42 12 $ S 1,024 $ 467 $ 38 $ 505 Total other revenue 144 3 147 100 101 221 131 353 Provision for loan losses 301 (16) 285 317 317 151 (97) 54 Noninterest expense 1,101 217 884 972 77 895 723 723 Pre-tax income from continuing operations $ (1,143) $ 250 $ 3 $ (859) $ (207) $ 119 $ $ (87) $ (186) $ 265 $ $ 81 Insurance Premiums, service revenue earned and other $ 1,284 $ $ 1,284 $ 1,166 $ 1,166 $ 1,129 $ $ 1,129 Losses and loss adjustment expenses 422 422 280 280 261 261 Acquisition and underwriting expenses 910 910 870 870 800 800 Investment income and other 261 (110) 151 (54) 210 156 275 10 285 Pre-tax income from continuing operations $ 213 $ (110) $ 103 $ (38) $ 210 $ 172 $ 343 $ $ 10 353 Corporate Finance Net financing revenue Total other revenue Provision for loan losses Noninterest expense Pre-tax income from continuing operations S 397 $ $ $ 397 $ 334 $ $ 334 $ 308 $ 104 (1) 103 122 4 126 128 52 52 43 43 38 142 142 131 131 116 307 $ (1) $ 306 $ 282 $ $ 286 $ 282 $ $ 308 (4) 124 38 116 278 (1) Non-GAAP line items walk to Core pre-tax income, a Non-GAAP financial measure that adjusts pre-tax income. See pages 35-37 for definitions. Note: Change in fair value of equity securities impacts the Insurance, Corporate Finance and Corporate and Other segments. The change reflects fair value adjustments to equity securities that are reported at fair value. Management believes the change in fair value of equity securities should be removed from select financial measures because it enables the reader to better understand the business' ongoing ability to generate revenue and income. ally do it right. 49

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