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Investor Presentaiton

Supplemental Non-GAAP Reconciliations - Annual Net Financing Revenue (ex. Core OID) ($ millions) GAAP Net Financing Revenue Core OID Net Financing Revenue (ex. Core OID) Adjusted Other Revenue ($ millions) GAAP Other Revenue Accelerated OID & repositioning items Change in fair value of equity securities Adjusted Other Revenue Adjusted NIE (ex. Repositioning) ($ millions) GAAP Noninterest Expense Repositioning Adjusted NIE (ex. Repositioning) Core Pre-Provision Net Revenue ($ millions) Pre-Provision Net Revenue Core Pre-Provision Net Revenue Adjusted Total Net Revenue ($ millions) FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 [x] $ 6,201 48 $ 6,850 42 $ 6,167 38 $ 4,703 36 $ 4,633 29 $ 4,390 86 [a] $ 6,249 $ 6,892 $ 6,205 $ 4,739 $ 4,662 $ 4,476 $ 4,221 $ 4,292 71 FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 [y] $ 2,013 $ 1,578 (107) 215 $ 2,039 131 7 $ 1,983 $ 1,761 $ 1,414 $ 1,544 (29) (89) 121 [b] $ 1,906 $ 1,793 $ 2,177 $ 1,954 $ 1,672 $ 1,535 $ 1,544 FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 [z] $ 5,163 $ 4,687 $ 4,110 $ 3,833 $ 3,429 $ 3,264 $ 3,110 217 77 50 [c] $ 4,946 $ 4,610 $ 4,110 $ 3,783 $ 3,429 $ 3,264 $ 3,110 FY 2023 [x]+[y]-[z] 3,051 [a]+[b]-[c] $ 3,209 FY 2022 3,741 FY 2021 4,096 FY 2020 FY 2019 2,853 2,965 FY 2018 2,540 FY 2017 2,655 $ 4,075 $ 4,271 $ 2,909 $ 2,905 $ 2,747 $ 2,726 Adjusted Total Net Revenue [a]+[b] $ 8,155 $ 8,685 $ 8,381 $ 6,692 $ 6,334 $ 6,011 $ 5,836 Original issue discount amortization expense ($ millions) 2023 2022 ANNUAL TREND 2021 2020 2019 2018 2017 GAAP original issue discount amortization expense Other OID $ Core original issue discount (Core OID) amortization expense $ 61 $ (13) $ 48 $ 53 (11) $ 49 $ 49 $ 42 $ 101 $ 90 (11) (13) (13) (15) (20) 42 $ 38 $ 36 $ 29 $ 86 $ 71 4Q 2023 Preliminary Results Outstanding original issue discount balance ($ millions) ANNUAL TREND 2023 2022 2021 2020 2019 GAAP outstanding original issue discount balance $ Other outstanding OID balance (831) 39 $ (882) 40 $ (923) 40 $ (1,064) 37 Core outstanding original issue discount balance (Core OID balance) $ (793) $ (841) $ (883) $ (1,027) $ (1,063) $ (1,100) 37 2018 $ (1,135) 43 $ (1,092) 2017 $ (1,235) 57 $ (1,178) 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. 51
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