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Net Interest Margin Transformation of balance sheet driving higher NIM NIM (ex. Core OID) (1) 2.76% 2.54% 2.67% Earning Asset EAY: 4.42% EAY: 4.55% EAY: 4.49% Yield (EAY) Cost of Funds (ex. Core OID)(1) COF: 1.98% COF: 1.91% COF: 1.97% 2014 0.25% Avg. FF 4Q 2023 Preliminary Results 3.35% EAY: 7.02% COF: 3.92% 2017 2020 Structurally higher NIM profile driven by transformation on both sides of the balance sheet 2023 5.20% Avg. FF Funding Profile Monthly Data 2014-2023 Secured, Unsecured, FHLB & Other -60% reduction in unsecured since 2014 59% 41% 12% 88% Deposits Stable, Sticky, and Efficient 2014 (1) Calculated using a Non-GAAP financial measure. See pages 35-37 for definitions. 2023 ally do it right. 6

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