Investor Presentaiton

Retail Auto Portfolio Yield Migration Retail portfolio repricing remains a meaningful tailwind • Strong performance through current tightening cycle creates significant momentum - Auto beta of ~95%, deposit beta of ~70%; creates significant momentum over medium-term • 3Q 2023 Preliminary Results Portfolio yield continues to increase as older vintages are replaced with higher yielding new originations - Portfolio repricing adds ~100 basis points to portfolio yield by YE 2025 assuming no change to originated yields • Remain confident in NIM expansion to >4% through natural balance sheet turnover Retail Auto Portfolio Vintage Analysis (1) 2021 and prior | 2022 | 2023 | 2024 | 2025 Portfolio Yield 9.0% 9.5% 10.0% FY Est. FY Est. FY Est. Orig. Yield(2) Orig. Yield (2) Orig. Yield (2) 38% 38% 10.7% 10.7% 38% Illustrative 10.7% Illustrative 10.7% 31% 8.2% 27% 27% 10.7% Illustrative 8.2% 20% 18% 10.7% 31% 7% 11% 15% 7% 6% 8.2% 7% 4Q '23 4Q '24 4Q '25 (1) Estimated portfolio mix, portfolio yield and originated yield. (2) Estimated Retail Auto Originated Yield is a forward-looking financial measure. See page 38 for details. Note: Portfolio yield includes hedge impacts (~50bps in 4Q '23, declining to -10bps in 4Q '24 and n/m in 4Q '25) based on forward curve. ally do it right. 18

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