Investor Presentaiton

Asset Quality: Coverage and Reserves Consolidated Coverage ($ billions) Retail Auto Coverage QoQ decrease driven by change in portfolio mix, including sale of Ally Lending ($ billions) 4Q 2023 Preliminary Results 3.62% ex. impacts from retail auto loan sales 3.60% 3.60% 3.62% 3.62% 3.65% Reserve (%) 2.72% 2.74% 2.72% 2.73% 2.57% Reserve (%) 3.34% $3.7 $3.8 $3.8 $3.8 $3.0 $3.0 $3.1 $3.1 $3.1 2.03% $3.6 Reserve ($) $2.4 Reserve ($) $2.6 CECL Day 1 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 CECL Day 1 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships. Note: Coverage rate calculations exclude fair value adjustment for loans in hedge accounting relationships. Consolidated QoQ Reserve Walk ($ millions) 3Q'23 A In Portfolio Size Retail Auto 1 Net Charge-off Activity 2 (ex. Loan Sale + 3 Loan Sale + 4 All Other Ally Lending) Reserve Ally Lending ($623) 4Q '23 NCOs $3,837 $623 Replenished $ 37 Loan Growth ($215) Reduction of allowance ($41 related to retail auto loan sales and $174 related to pending Ally Lending sale) ($72) Reflects changes in specific reserves and macroeconomic variables 4Q'23 Reserve $3,587 ally do it right. 16

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