Investor Presentaiton

2023 Full-Year Highlights $2.98 | $3.05 8.3% | 11.5% GAAP EPS $8.2B | $8.2B 4Q 2023 Preliminary Results 3.35% 10.69% Adj. EPS (1) Return on Common Equity Core ROTCE (1) GAAP Adj. Total Net Revenue Net Revenue (1) NIM (2) (ex. OID) Est. Retail Originated Yield(3) • . 4Q Notable Items Reached agreement to sell Ally Lending; CET1 benefit of ~15bps at closing in 1Q '24, accretive to EPS and tangible book value Deconsolidated $1.7 billion of seasoned retail auto loans generating 9bps of CET1 benefit • Headcount actions announced in 3Q have been realized driving $80 million of annualized expense savings • FDIC special assessment fee of $38 million, among the lowest in the industry given the composition of the deposit base FY Operational Highlights Dealer Financial Services Consumer & Commercial Banking (4) • . 13.8 million consumer auto applications driving $40 billion of origination volume . Retail auto originated yield (3) of 10.7% with nearly 40% of volume within highest credit quality tier • 177bps full-year retail auto net-charge-offs, in-line with full-year guidance • Insurance earned premiums of $1.3 billion, highest since IPO • $142 billion of retail deposits from 3.0 million retail deposit customers; $155 billion total deposits • 1.2 million active credit cardholders; balanced approach to growth with compelling return profile Corporate Finance HFI portfolio of $10.9 billion; 25% ROE in '23, with less than 1% of loans in nonaccrual status (1) Non-GAAP financial measure. See pages 35 - 37 for definitions. (2) Calculated using a Non-GAAP financial measure. See pages 35-37 for definitions. (3) Estimated Retail Auto Originated Yield is a forward-looking financial measure. See page 38 for details. (4) Consumer and Commercial Banking activity is within 'Corporate and Other' and 'Corporate Finance' businesses. 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. 6

View entire presentation