Investor Presentaiton

4Q 2023 Preliminary Results Auto Finance: Agile Market Leader #1 #1 #1 #1 Prime Auto Lender(1) Bank Floorplan Lender(2) Bank Retail Auto Loan Outstandings (3) Dealer Satisfaction J.D. Power Award (4) Leading Insurance Provider (F&I, P&C Products) Consumer Applications and Approval Rate Auto Balance Sheet Trends ($ billions; EoP, HFI only) $94.3 $94.3 $94.7 $95.3 13.8M 13.0M 12.6M 12.1M 12.5M Consumer Applications $10.4 $10.2 $9.9 $9.6 $93.6 $9.2 Total Consumer Auto Lease $83.9 $84.0 $84.7 $85.7 $84.4 Retail 36% 34% 34% 31% 30% Approval Rate $18.8 $19.3 $20.7 $21.1 $23.3 Commercial Auto 2019 2020 Consumer Originations ($ billions; % of $ originations) 2021 2022 2023 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 Consumer Origination Mix (% of $ originations) 704 707 701 Retail Weighted Avg. FICO 697 691 8% 8% 8% 7% 6% Lease $10.4 $10.6 $9.2 $9.5 $9.6 32% 28% 29% 28% 29% New 24% 25% 20% 22% 24% Other Non-OEM Franchised(5) 32% 33% 33% 34% 33% Other OEM Franchised 64% 60% 64% 66% 65% Used 22% 22% 22% 20% 20% Stellantis Nonprime % 25% 22% 22% 22% 23% GM 7% 10% 9% 9% 9% of Total Retail 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 See page 39 for footnotes. ally do it right. 19

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