Investor Presentaiton

Supplemental Non-GAAP Reconciliation: Core Income ($ millions) Consolidated Ally Net financing revenue Total other revenue Provision for credit losses. Noninterest expense. Pre-tax income Corporate/Other Net financing revenue Total other revenue Provision for credit losses Noninterest expense Pre-tax income Insurance Premiums, service revenue earned and other Losses and loss adjustment expenses Acquisition and underwriting expenses. Investment income and other Pre-tax income Corporate Finance Net financing revenue Total other revenue Provision for credit losses Noninterest expense Pre-tax income - 4Q 2023 Preliminary Results - Quarterly 4Q 23 Change in fair GAAP Core OID value of equity Repositioning Non-GAAP (1) GAAP Core OID securities 3Q 23 Change in fair value of equity securities Repositioning Non-GAAP (1) GAAP Core OID 4Q 22 Change in fair value of equity securities Repositioning Non-GAAP (1) $ 1,493 S 13 S 574 (74) 1,506 500 $ 1,533 435 $ 12 $ 56 1,545 491 $ 1,674 527 $ 11 S 1,685 (49) 478 587 (16) 603 508 508 490 490 1,416 187 1,229 1,232 30 1,202 1,266 57 1,209 64 $ 13 $ (74) $ 172 $ 174 $ 228 $ 12 $ 56 $ 30 $ 326 $ 445 $ 11 $ (49) 57 $ 464 $ (26) S 13 S $ (13) $ 49 (7) 42 78 (16) 94 407 187 220 211 :གྷསྒྲ རྒྱ (6) $ 12 $ $ $ 6 $ 172 $ 11 S $ 183 10 45 49 (0) 49 61 97 97 30 181 303 57 246 (462) $ 13 (7) $ 172 (284) $ (243) 12 $ 10 $ 30 $ (191) $ (179) $ 11 $ (0) $ 57 $ (111) $ 339 $ 93 228 111 129 (67) (67) $ 339 $ 324 $ 93 107 228 231 44 (2) 46 62 $ (16) $ 46 $ 324 $ 305 $ 107 63 231 223 44 82 30 $ 101 (49) (49) $ 305 63 223 33 52 $ 105 S 105 $ 97 $ $ 97 $ 94 $ 23 0 23 24 (0) 24 25 $ 0 94 25 17 17 5 5 16 32 32 32 32 36 16 36 $ 79 $ $ 0 $ $ 79 $ 84 $ $ (0) $ $ 84 $ 67 $ $ 0 $ $ 67 བ ཚ ཚ ཥ ཥ (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. 50

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