Exhibit 99.3 THIRD QUARTER 2026 FINANCIAL SUPPLEMENT

ALLY FINANCIAL INC. FORWARD-LOOKING STATEMENTS AND ADDITIONAL INFORMATION This document and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based on company and third-party data available at the time of the presentation or related communication. This document and related communications contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts—such as statements about the outlook for financial and operating metrics and performance and future capital allocation and actions. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “preliminary,” “outlook,” “forecast,” “potential,” “target,” “objective,” “trend,” “plan,” “goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. In particular, forward-looking statements about Ally’s outlook, including expectations regarding net interest margin, adjusted other revenue, net-charge offs, non-interest expenses, capital, average earning assets, and other forward-looking statements are based on our current expectations and are subject to various important factors that could cause actual results to differ materially, including general economic conditions, expectations regarding interest rates and inflation, monetary and fiscal policies in the United States and other jurisdictions, the composition of our balance sheet, including with respect to our loan and securities portfolios, the impact of our strategic initiatives, including recent initiatives involving our Credit Card and Mortgage operations, demand for new and used vehicles, new and used vehicle values and the impact of escalating tariffs and other trade policies on us, our customers and our strategic partners, and the economic impacts, volatility and uncertainty resulting therefrom. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual future objectives, strategies, plans, prospects, performance, conditions, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events or circumstances to differ from those in forward-looking statements are described above and in our Annual Report on Form 10-K for the year ended December 31, 2025, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (collectively, our “SEC filings”). Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent SEC filings. This document and related communications contain specifically identified non-GAAP financial measures, which supplement the results that are reported according to U.S. generally accepted accounting principles (“GAAP”). These non-GAAP financial measures may be useful to investors but should not be viewed in isolation from, or as a substitute for, GAAP results. Differences between non-GAAP financial measures and comparable GAAP financial measures are reconciled in the presentation. This presentation also includes forward-looking non-GAAP financial measures, such as outlooks for Net Interest Margin (ex. OID), Adjusted Other Revenue and Adjusted Noninterest Expense. We are unable to provide a reconciliation of these forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the inherent difficulty in forecasting and quantifying the occurrence and financial impact of various items that have not yet occurred, are out of our control or cannot be reasonably predicted. Forward-looking non-GAAP financial measures may vary materially from the corresponding GAAP financial measures. Unless the context otherwise requires, the following definitions apply. The term “loans” means the following consumer and commercial products associated with our direct and indirect financing activities: loans, retail installment sales contracts, lines of credit, and other financing products excluding operating leases. The term “operating leases” means consumer- and commercial-vehicle lease agreements where Ally is the lessor and the lessee is generally not obligated to acquire ownership of the vehicle at lease-end or compensate Ally for the vehicle’s residual value. The terms “lend,” “finance,” and “originate” mean our direct extension or origination of loans, our purchase or acquisition of loans, or our purchase of operating leases, as applicable. The term “consumer” means all consumer products associated with our loan and operating-lease activities and all commercial retail installment sales contracts. The term “commercial” means all commercial products associated with our loan activities, other than commercial retail installment sales contracts. The term “partnerships” means business arrangements rather than partnerships as defined by law. consumer products associated with our loan and operating-lease activities and all commercial retail installment sales contracts. The term “commercial” means all commercial products associated with our loan activities, other than commercial retail installment sales contracts. The term “partnerships” means business arrangements rather than partnerships as defined by law. 2

ALLY FINANCIAL INC. TABLE OF CONTENTS Page(s) Consolidated Results Consolidated Financial Highlights 4 Consolidated Income Statement 5 Consolidated Period-End Balance Sheet 6 Consolidated Average Balance Sheet 7 Segment Detail Segment Highlights 8 Automotive Finance 9-10 Insurance 11 Corporate Finance 12 Corporate and Other 13 Credit Related Information 14-15 Supplemental Detail Capital 16 Liquidity and Deposits 17 Net Interest Margin 18 Earnings Per Share Related Information 19 Adjusted Tangible Book Per Share Related Information 20 Core ROTCE Related Information 21 Adjusted Efficiency Ratio Related Information 22 3

ALLY FINANCIAL INC. CONSOLIDATED FINANCIAL HIGHLIGHTS ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. Selected Income Statement Data 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 (1) Core OID 20 19 18 17 17 1 3 (1) Net financing revenue (excluding Core OID) 1,768 1,703 1,607 1,615 1,601 65 167 Other revenue 584 602 513 525 584 (18) — (2) Repositioning — — 0 27 — — — (2) Change in fair value of equity securities (5) (29) 59 (2) (27) 24 22 (1) Adjusted other revenue 579 573 572 550 557 6 22 Provision for credit losses 529 430 467 487 415 99 114 (2) Repositioning — — 7 (1) — — — (1) Adjusted provision for credit losses 529 430 474 486 415 99 114 (3) Total noninterest expense 1,236 1,319 1,235 1,250 1,240 (83) (4) (2) Repositioning — — — (31) — — — (1) Noninterest expense (ex. repositioning) 1,236 1,319 1,235 1,219 1,240 (83) (4) Pre-tax income (loss) from continuing operations 567 537 400 386 513 30 54 Income tax expense (benefit) 134 127 81 59 115 7 19 (Loss) from discontinued operations, net of tax — — — — — — — Net income (Loss) 433 410 319 327 398 23 35 Preferred Dividends 32 43 28 27 27 (11) 5 Net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Selected Balance Sheet Data (Period-End) Total assets $ 203,285 $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 3,513 $ 11,574 Consumer loans 106,189 104,144 101,973 101,140 101,247 2,045 4,942 Commercial loans 41,770 39,529 37,917 36,314 33,320 2,241 8,450 Allowance for loan losses (3,682) (3,576) (3,540) (3,490) (3,460) (106) (222) Deposits 155,804 154,046 153,152 151,649 148,410 1,758 7,394 Total equity 14,970 15,491 15,609 15,498 15,117 (521) (147) Common Share Count Weighted average basic 305,074 308,362 310,992 310,792 310,342 (3,287) (5,267) Weighted average diluted 308,133 311,035 313,219 314,264 313,823 (2,902) (5,690) Issued shares outstanding (period-end) 300,538 304,543 307,408 308,493 307,828 (4,004) (7,290) Per Common Share Data Earnings per share (basic) $ 1.32 $ 1.19 $ 0.94 $ 0.97 $ 1.19 $ 0.12 $ 0.12 Earnings per share (diluted) 1.30 1.18 0.93 0.95 1.18 0.12 0.12 (1) Adjusted earnings per share 1.34 1.21 1.11 1.09 1.15 0.13 0.18 Book value per share 43.24 44.38 43.22 42.70 41.56 (1.14) 1.68 Tangible book value per share 42.61 43.76 42.61 42.10 40.95 (1.15) 1.66 (1) Adjusted tangible book value per share 41.00 42.12 40.93 40.38 39.19 (1.12) 1.81 Select Financial Ratios Net interest margin 3.62% 3 .59% 3.48 % 3.48% 3.51% (1) Net interest margin (ex. Core OID) 3 .66% 3 .63% 3 .52 % 3 .51% 3.55 % Cost of funds 3.45% 3.48% 3.60% 3 .69 % 3.80 % (1) Cost of funds (ex. Core OID) 3 .40 % 3.43% 3.55% 3.63% 3 .74% Efficiency Ratio 53.0% 5 7.7% 58.8% 58.9 % 5 7.2 % (1) Adjusted efficiency ratio 45.7 % 48.7 % 50.8% 50.8 % 5 0.0 % Return on average assets 0.8% 0.7 % 0.6% 0 .6% 0.8 % Return on average total equity 1 0.5 % 9.5 % 7 .5 % 7 .8 % 1 0.0 % Return on average tangible common equity 1 2.3% 1 1.1 % 8 .9 % 9.4% 12.0% (1) Core ROTCE 13.1% 1 1.8% 1 1.1 % 1 1.1 % 12.3 % Capital Ratios Common Equity Tier 1 (CET1) capital ratio 1 0.2 % 10.2 % 1 0.1 % 1 0.2% 10.1 % Tier 1 capital ratio 1 1.4% 11.4 % 11.6 % 11.7 % 11.6% Total capital ratio 13.2 % 13.2 % 13.4 % 1 3.6 % 1 3.4 % Tier 1 leverage ratio 8.9% 8.9 % 9.2% 9.2 % 9.2 % (1) Represents a non-GAAP financial measure. For more details refer to pages 19-24. (2) For more details refer to pages 23-24. (3) Including but not limited to employee related expenses, commissions and provision for losses and loss adjustment expense related to the insurance business, information technology expenses, servicing expenses, facilities expenses, marketing expenses, and other professional and legal expenses. 4

ALLY FINANCIAL INC. CONSOLIDATED INCOME STATEMENT ($ in millions) QUARTERLY TRENDS CHANGE VS. 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Financing revenue and other interest income Interest and fees on finance receivables and loans $ 2,836 $ 2,741 $ 2,658 $ 2,690 $ 2,674 $ 95 $ 162 Interest on loans held-for-sale 13 12 9 7 6 1 7 Total interest and dividends on investment securities 237 231 223 234 241 6 (4) Interest-bearing cash 81 80 81 88 92 1 (11) Other earning assets 16 11 11 10 9 5 7 Operating leases 384 390 392 387 365 (6) 19 Total financing revenue and other interest income 3,567 3,465 3,374 3,416 3,387 102 180 Interest expense Interest on deposits 1,213 1,200 1,233 1,268 1,302 13 (89) Interest on short-term borrowings 56 42 19 18 11 14 45 Interest on long-term debt 277 266 265 274 265 11 12 Interest on other — 4 — 2 — (4) — Total interest expense 1,546 1,512 1,517 1,562 1,578 34 (32) Depreciation expense on operating lease assets 273 269 268 256 225 4 48 Net financing revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 Other revenue Insurance premiums and service revenue earned 365 368 360 366 361 (3) 4 Gain / (loss) on mortgage and automotive loans, net (8) (6) (3) (29) (3) (2) (5) Loss on extinguishment of debt — (2) — — — 2 — Other gain / (loss) on investments, net 34 76 (21) 21 56 (42) (22) Other income, net of losses 193 166 177 167 170 27 23 Total other revenue 584 602 513 525 584 (18) — Total net revenue 2,332 2,286 2,102 2,123 2,168 46 164 Provision for loan losses 529 430 467 487 415 99 114 Noninterest expense Compensation and benefits expense 441 458 491 475 447 (17) (6) Insurance losses and loss adjustment expenses 135 208 121 111 141 (73) (6) Goodwill impairment — — — — — — — Other operating expenses 660 653 623 664 652 7 8 Total noninterest expense 1,236 1,319 1,235 1,250 1,240 (83) (4) Pre-tax income (loss) from continuing operations $ 567 $ 537 $ 400 $ 386 $ 513 $ 30 $ 54 Income tax (benefit) / expense from continuing operations 134 127 81 59 115 7 19 Net income (loss) from continuing operations 433 410 319 327 398 23 35 Loss from discontinued operations, net of tax — — — — — — — Net income (loss) $ 433 $ 410 $ 319 $ 327 $ 398 $ 23 $ 35 Preferred Dividends 32 43 28 27 27 (11) 5 Net income (loss) available to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Core pre-tax Income walk Net financing revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 Other revenue 584 602 513 525 584 (18) — Provision for credit losses 529 430 467 487 415 99 114 Total noninterest expense 1,236 1,319 1,235 1,250 1,240 (83) (4) Pre-tax income (loss) from continuing operations $ 567 $ 537 $ 400 $ 386 $ 513 $ 30 $ 54 (1) Core OID 20 19 18 17 17 1 3 (2) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 (2) Repositioning — — (7) 59 — — — (1) Core pre-tax income $ 581 $ 527 $ 470 $ 461 $ 502 $ 55 $ 79 (1) Represents a non-GAAP financial measure. For more details refer to pages 19-24. (2) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 5

ALLY FINANCIAL INC. CONSOLIDATED PERIOD-END BALANCE SHEET ($ in millions) QUARTERLY TRENDS CHANGE VS. Assets 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Cash and cash equivalents Noninterest-bearing $ 308 $ 339 $ 380 $ 405 $ 429 $ (31) $ (121) Interest-bearing 7,531 7,501 9,138 9,625 9,817 30 (2,286) Total cash and cash equivalents 7,839 7,840 9,518 10,030 10,246 (1) (2,407) (1) Investment securities 27,209 28,374 28,238 28,220 27,982 (1,165) (773) Loans held-for-sale, net 448 406 337 549 179 42 269 Finance receivables and loans, net 147,959 143,673 139,890 137,454 134,567 4,286 13,392 Allowance for loan losses (3,682) (3,576) (3,540) (3,490) (3,460) (106) (222) Total finance receivables and loans, net 144,277 140,097 136,350 133,964 131,107 4,180 13,170 Investment in operating leases, net 8,288 8,585 8,699 8,772 8,599 (297) (311) Premiums receivable and other insurance assets 2,860 2,860 2,817 2,844 2,903 — (43) Other assets 12,364 11,610 11,310 11,623 10,695 754 1,669 Total assets $ 203,285 $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 3,513 $ 11,574 Liabilities Deposit liabilities Noninterest-bearing $ 51 $ 153 $ 137 $ 125 $ 174 $ (102) $ (123) Interest-bearing 155,753 153,893 153,015 151,524 148,236 1,860 7,517 Total deposit liabilities 155,804 154,046 153,152 151,649 148,410 1,758 7,394 Short-term borrowings 6,252 5,916 4,126 4,695 3,879 336 2,373 Long-term debt 18,778 17,053 17,349 17,070 16,749 1,725 2,029 Interest payable 1,066 895 852 729 1,097 171 (31) Unearned insurance premiums and service revenue 3,719 3,693 3,665 3,656 3,648 26 71 Accrued expense and other liabilities 2,696 2,678 2,516 2,705 2,811 18 (115) Total liabilities $ 188,315 $ 184,281 $ 181,660 $ 180,504 $ 176,594 $ 4,034 $ 11,721 Equity (2) Common stock and paid-in capital $ 14,968 $ 15,125 $ 15,231 $ 15,327 $ 15,310 $ (157) $ (342) Preferred stock 1,976 1,976 2,324 2,324 2,324 — (348) Retained earnings (accumulated deficit) 1,409 1,101 827 633 427 308 982 Accumulated other comprehensive loss (3,383) (2,711) (2,773) (2,786) (2,944) (672) (439) Total equity 14,970 15,491 15,609 15,498 15,117 (521) (147) Total liabilities and equity $ 203,285 $ 199,772 $ 197,269 $ 196,002 $ 191,711 $ 3,513 $ 11,574 (1) Includes Held-to-maturity securities. (2) Includes Treasury stock. Note: Numbers may not foot due to rounding. 6

ALLY FINANCIAL INC. (1) CONSOLIDATED AVERAGE BALANCE SHEET ($ in millions) QUARTERLY TRENDS CHANGE VS. Assets 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Interest-bearing cash and cash equivalents $ 9,079 $ 8,931 $ 9,100 $ 8,983 $ 8,465 $ 148 $ 614 Investment securities and other earning assets 28,991 29,136 28,954 28,846 28,450 (145) 541 Loans held-for-sale, net 315 238 415 181 141 77 174 (2) Total finance receivables and loans, net 144,852 141,429 137,797 135,674 133,419 3,423 11,433 Investment in operating leases, net 8,496 8,689 8,805 8,753 8,255 (193) 241 Total interest earning assets 191,733 188,423 185,071 182,437 178,730 3,310 13,003 Noninterest-bearing cash and cash equivalents 225 265 286 266 251 (40) (26) Other assets 11,858 11,698 11,510 11,654 11,699 160 159 Allowance for loan losses (3,592) (3,521) (3,501) (3,460) (3,437) (71) (155) Total assets $ 200,224 $ 196,865 $ 193,366 $ 190,897 $ 187,243 $ 3,359 $ 12,981 Liabilities Interest-bearing deposit liabilities Retail deposit liabilities $ 142,541 $ 144,431 $ 144,106 $ 141,750 $ 142,364 $ (1,890) $ 177 (3) Other interest-bearing deposit liabilities 11,605 8,015 7,616 7,123 5,127 3,590 6,478 Total interest-bearing deposit liabilities 154,146 152,446 151,722 148,873 147,491 1,700 6,655 Short-term borrowings 5,608 4,377 1,941 1,794 897 1,231 4,711 (4) Long-term debt 17,736 17,090 17,049 17,249 16,375 646 1,361 (4) Total interest-bearing liabilities 177,490 173,913 170,712 167,916 164,763 3,577 12,727 Noninterest-bearing deposit liabilities 51 145 145 155 169 (94) (118) Other liabilities 7,180 6,948 6,727 7,320 7,362 232 (182) Total liabilities $ 184,721 $ 181,006 $ 177,584 $ 175,391 $ 172,294 $ 3,715 $ 12,427 Equity Total equity $ 15,503 $ 15,859 $ 15,782 $ 15,506 $ 14,949 $ (356) $ 554 Total liabilities and equity $ 200,224 $ 196,865 $ 193,366 $ 190,897 $ 187,243 $ 3,359 $ 12,981 (1) Average balances are calculated using a combination of monthly and daily average methodologies. (2) Nonperforming finance receivables and loans are included in the average balances net of unearned income, unamortized premiums and discounts, and deferred fees and costs. (3) Includes brokered (inclusive of sweep deposits) and other deposits. (4) Includes average Core OID balance of $624 million in 3Q26, $643 million in 2Q26, $661 million in 1Q26, $679 million in 4Q25, and $696 million in 3Q25. Note: Numbers may not foot due to rounding. 7

ALLY FINANCIAL INC. SEGMENT HIGHLIGHTS QUARTERLY TRENDS CHANGE VS. ($ in millions) Pre-tax Income / (Loss) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Automotive Finance $ 337 $ 410 $ 336 $ 372 $ 421 $ (73) $ (84) Insurance 80 53 28 91 79 27 1 Dealer Financial Services 417 463 364 463 500 (46) (83) Corporate Finance 98 122 94 98 95 (24) 3 (1) Corporate and Other 52 (48) (58) (175) (82) 100 134 Pre-tax income (loss) from continuing operations $ 567 $ 537 $ 400 $ 386 $ 513 $ 30 $ 54 (2) (3) Core OID 20 19 18 17 17 1 3 (4) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 (4) Repositioning and other — — (7) 59 — — — (3) Core pre-tax income $ 581 $ 527 $ 470 $ 461 $ 502 $ 55 $ 79 (1) Corporate and Other includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, and Ally Invest activity. (2) Core OID for all periods shown are applied to the pre-tax income of the Corporate and Other segment. (3) Represents a non-GAAP measure. For more details refer to pages 19-24. (4) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 8

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue Consumer $ 2,077 $ 2,013 $ 1,960 $ 1,980 $ 1,961 $ 64 $ 116 Commercial 368 354 332 341 338 14 30 Loans held-for-sale 6 6 3 3 2 — 4 Operating leases 384 390 392 387 365 (6) 19 Total financing revenue and other interest income 2,835 2,763 2,687 2,711 2,666 72 169 Interest expense 1,234 1,178 1,128 1,145 1,128 56 106 Depreciation expense on operating lease assets: Depreciation expense on operating lease assets (ex. remarketing) 257 267 258 246 227 (10) 31 Remarketing (gains) loss, net of repo valuation 16 2 10 11 (1) 14 17 Total depreciation expense on operating lease assets 273 269 268 256 225 4 48 Net financing revenue 1,328 1,316 1,291 1,310 1,313 12 15 Other revenue Total other revenue 114 104 105 99 96 10 18 Total net revenue 1,442 1,420 1,396 1,409 1,409 22 33 Provision for credit losses 511 442 468 478 410 69 101 Noninterest expense Compensation and benefits 175 177 191 172 172 (2) 3 Other operating expenses 419 391 401 387 406 28 13 Total noninterest expense 594 568 592 559 578 26 16 Pre-tax income $ 337 $ 410 $ 336 $ 372 $ 421 $ (73) $ (84) Memo: Net lease revenue Operating lease revenue $ 384 $ 390 $ 392 $ 387 $ 365 $ (6) $ 19 Depreciation expense on operating lease assets (ex. remarketing) 257 267 258 246 227 (10) 31 Remarketing (gains) loss, net of repo valuation 16 2 10 11 (1) 14 17 Total depreciation expense on operating lease assets 273 269 268 256 225 4 48 Net lease revenue $ 111 $ 121 $ 124 $ 131 $ 140 $ (10) $ (29) Balance Sheet (Period-End) Loans held-for-sale, net $ 50 $ 33 $ 27 $ 12 $ 15 $ 17 $ 35 Consumer loans 91,581 89,217 86,685 85,561 84,994 2,364 6,587 Commercial loans 25,655 25,562 23,938 23,143 21,784 93 3,871 Allowance for loan losses (3,482) (3,398) (3,300) (3,256) (3,233) (84) (249) Total finance receivables and loans, net 113,754 111,381 107,323 105,448 103,545 2,373 10,209 Investment in operating leases, net 8,288 8,585 8,699 8,772 8,599 (297) (311) Other assets 1,593 1,540 1,563 1,521 1,567 53 26 Total assets $ 123,685 $ 121,539 $ 117,612 $ 115,753 $ 113,726 $ 2,146 $ 9,959 Note: Numbers may not foot due to rounding. 9

ALLY FINANCIAL INC. AUTOMOTIVE FINANCE - KEY STATISTICS QUARTERLY TRENDS CHANGE VS. 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 (1) U.S. Consumer Originations ($ in billions) Retail standard - new vehicle GM $ 1.4 $ 1.4 $ 1.2 $ 1.3 $ 1.2 $ 0.0 $ 0.2 Retail standard - new vehicle Stellantis 0.8 0.7 0.6 0.6 0.6 0.1 0.2 Retail standard - new vehicle Other 2.1 2.1 1.4 1.3 1.3 (0.1) 0.7 Used vehicle 8.2 8.3 7.5 6.7 7.0 (0.1) 1.2 Lease 0.5 0.7 0.7 0.9 1.5 (0.3) (1.1) Total originations $ 12.9 $ 13.3 $ 11.5 $ 10.8 $ 11.7 $ (0.3) $ 1.2 U.S. Consumer Originations - FICO Score Super prime (760-999) $ 3.5 $ 3.9 $ 3.0 $ 2.9 $ 3.3 $ (0.4) $ 0.2 High prime (720-759) 1.8 1.9 1.5 1.5 1.7 0.0 0.2 Prime (660-719) 3.3 3.2 2.9 2.7 3.1 0.1 0.2 Prime/Near (620-659) 2.1 2.0 2.0 1.8 1.9 0.0 0.2 Non-Prime (540-619) 1.2 1.2 1.1 1.0 0.9 0.0 0.3 Sub-Prime (0-539) 0.3 0.2 0.2 0.2 0.2 0.0 0.1 No FICO (Primarily CSG) 0.7 0.7 0.8 0.8 0.7 (0.0) 0.1 Total originations $ 12.9 $ 13.3 $ 11.5 $ 10.8 $ 11.7 $ (0.3) $ 1.2 U.S. Consumer Retail Originations - Average FICO New vehicle 730 735 725 726 725 (5) 5 Used vehicle 698 702 696 697 702 (4) (3) Total retail originations 709 713 703 706 708 (4) 0 U.S. Market New light vehicle sales (SAAR - units in millions) 16.2 16.5 15.5 15.8 16.4 (0.2) (0.2) New light vehicle sales (quarterly - units in millions) 4.1 4.3 3.7 4.0 4.1 (0.2) (0.1) Dealer Engagement (2) Total Active DFS Dealers 21,594 21,629 21,403 21,370 21,548 (35) 46 Total Application Volume (000s) 4,805 4,552 4,414 3,811 3,992 253 813 Ally U.S. Commercial Outstandings EOP ($ in billions) Floorplan outstandings $ 17.4 $ 17.6 $ 16.1 $ 15.9 $ 15.4 $ (0.2) $ 2.1 Dealer loans and other 8.3 8.0 7.9 7.2 6.4 0.3 1.8 Total Commercial outstandings $ 25.7 $ 25.6 $ 23.9 $ 23.1 $ 21.8 $ 0.1 $ 3.9 U.S. Off-Lease Remarketing Off-lease vehicles terminated - on-balance sheet (# in units) 17,494 19,510 15,162 16,525 21,608 (2,016) (4,114) Average gain (loss) per vehicle $ (914) $ (82) $ (663) $ (635) $ 53 $ (832) $ (967) Total gain (loss) ($ in millions) $ (16) $ (2) $ (10) $ (11) $ 1 $ (14) $ (17) (1) Some standard rate loan originations contain manufacturer sponsored cash back rebate incentives. Some lease originations contain rate subvention. While Ally may jointly develop marketing programs for these originations, Ally does not have exclusive rights to such originations under operating agreements with manufacturers. (2) A dealer is considered to have an active relationship with us if we provided automotive financing, remarketing, or insurance services during the three months ended September 30, 2026. Note: Numbers may not foot due to rounding. 10

ALLY FINANCIAL INC. INSURANCE - CONDENSED FINANCIAL STATEMENTS AND KEY STATISTICS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement (GAAP View) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue (1) Total interest and fees on finance receivables and loans $ 7 $ 5 $ 6 $ 5 $ 5 $ 2 $ 2 Interest and dividends on investment securities 43 41 38 40 39 2 4 Interest bearing cash 5 5 5 5 5 — — Total financing revenue and other interest revenue 55 51 49 50 49 4 6 Interest expense 13 13 13 14 16 — (3) Net financing revenue 42 38 36 36 33 4 9 Other revenue Insurance premiums and service revenue earned 365 368 360 366 361 (3) 4 Other gain / (loss) on investments, net 34 76 (21) 21 56 (42) (22) Other income, net of losses 4 5 3 3 3 (1) 1 Total other revenue 403 449 342 390 420 (46) (17) Total net revenue 445 487 378 426 453 (42) (8) Noninterest expense Compensation and benefits expense 30 30 32 28 29 — 1 Insurance losses and loss adjustment expenses 135 208 121 111 141 (73) (6) Other operating expenses 200 196 197 196 204 4 (4) Total noninterest expense 365 434 350 335 374 (69) (9) Pre-tax income (loss) $ 80 $ 53 $ 28 $ 91 $ 79 $ 27 $ 1 Memo: Income Statement (Managerial View) Insurance premiums and other income Insurance premiums and service revenue earned $ 365 $ 368 $ 360 $ 366 $ 361 $ (3) $ 4 (2) Investment income and other (adjusted) 71 85 74 55 62 (14) 9 Other income 4 5 3 3 3 (1) 1 Total insurance premiums and other income 440 458 437 424 426 (18) 14 Expense Insurance losses and loss adjustment expenses 135 208 121 111 141 (73) (6) Acquisition and underwriting expenses Compensation and benefit expense 30 30 32 28 29 — 1 Insurance commission expense 151 151 152 155 158 0 (7) Other expense 49 45 45 41 46 4 3 Total acquisition and underwriting expense 230 226 229 224 233 4 (3) Total expense 365 434 350 335 374 (69) (9) (2) Core pre-tax income / (loss) 75 24 87 89 52 51 23 (3) Change in the fair value of equity securities 5 29 (59) 2 27 (24) (22) Income (loss) before income tax expense $ 80 $ 53 $ 28 $ 91 $ 79 $ 27 $ 1 Balance Sheet (Period-End) Cash and investment securities $ 5,717 $ 5,889 $ 5,778 $ 5,841 $ 5,845 $ (172) $ (128) (1) Intercompany loans 865 814 854 807 696 51 169 Premiums receivable and other insurance assets 2,880 2,880 2,836 2,863 2,921 — (41) Other assets 463 448 420 420 386 15 77 Total assets $ 9,925 $ 10,031 $ 9,888 $ 9,931 $ 9,848 $ (106) $ 77 Key Statistics (4) Total written premiums and revenue $ 388 $ 382 $ 389 $ 384 $ 385 $ 6 $ 3 (5) Loss ratio 36.6 % 5 6.0 % 33.2 % 3 0.0 % 38.7 % (6) Underwriting expense ratio 6 2.1 % 60.7 % 6 3.0 % 6 0.7 % 6 3.9 % Combined ratio 9 8.6 % 1 16.7 % 96.2 % 90.7 % 1 02.6 % (1) Intercompany activity represents excess liquidity placed with corporate segment. (2) Represents a non-GAAP financial measure. For more details refer to pages 19-24. (3) For more details refer to pages 23-24. (4) Written premiums are net of ceded premium for reinsurance. (5) Loss ratio is calculated as Insurance losses and loss adjustment expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses. (6) Underwriting expense ratio is calculated as Compensation and benefits expense and Other operating expenses divided by Insurance premiums and service revenue earned and Other Income, net of losses. Note: Numbers may not foot due to rounding. 11

ALLY FINANCIAL INC. CORPORATE FINANCE - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue Total financing revenue and other interest income $ 271 $ 252 $ 243 $ 240 $ 238 $ 19 $ 33 Interest expense 149 136 130 129 127 13 22 Net financing revenue 122 116 113 111 111 6 11 Total other revenue 31 29 35 31 25 2 6 Total net revenue 153 145 148 142 136 8 17 Provision for loan losses 20 (12) 8 11 8 32 12 Noninterest expense Compensation and benefits expense 19 20 26 19 19 (1) — Other operating expense 16 15 20 14 14 1 2 Total noninterest expense 35 35 46 33 33 — 2 Pre-tax income $ 98 $ 122 $ 94 $ 98 $ 95 $ (24) $ 3 (1) Change in the fair value of equity securities (0) 0 0 (0) 0 (0) (0) (2) Core pre-tax income $ 98 $ 122 $ 94 $ 98 $ 95 $ (24) $ 3 Balance Sheet (Period-End) Equity securities $ 2 $ 2 $ 2 $ 1 $ 1 $ — $ 1 Loans held for sale, net 274 169 121 87 78 105 196 Commercial loans 15,840 13,687 13,714 12,930 11,289 2,153 4,551 Allowance for loan losses (186) (164) (226) (219) (207) (22) 21 Total finance receivables and loans, net 15,654 13,523 13,488 12,711 11,082 2,131 4,572 Other assets 213 199 192 190 182 14 31 Total assets $ 16,143 $ 13,893 $ 13,803 $ 12,989 $ 11,343 $ 2,250 $ 4,800 (1) For more details refer to pages 23-24. (2) Represents a non-GAAP financial measure. For more details refer to pages 19-24. Note: Numbers may not foot due to rounding. 12

ALLY FINANCIAL INC. CORPORATE AND OTHER - CONDENSED FINANCIAL STATEMENTS ($ in millions) QUARTERLY TRENDS CHANGE VS. Income Statement 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net financing revenue Total financing revenue and other interest income $ 406 $ 399 $ 395 $ 415 $ 434 $ 7 $ (28) Interest expense 150 185 246 274 307 (35) (157) Net financing revenue 256 214 149 141 127 42 129 Other revenue Gain / (loss) on mortgage and automotive loans, net (1) 2 — (27) — (3) (1) (1) Other income, net of losses 37 20 31 32 43 17 (6) Loss on extinguishment of debt — (2) — — — 2 — Total other revenue 36 20 31 5 43 16 (7) Total net revenue 292 234 180 146 170 58 122 Provision for loan losses (2) — (9) (2) (3) (2) 1 Noninterest expense Compensation and benefits expense 217 231 242 256 227 (14) (10) (2) Other operating expense 25 51 5 67 28 (26) (3) Total noninterest expense 242 282 247 323 255 (40) (13) Pre-tax income (loss) $ 52 $ (48) $ (58) $ (175) $ (82) $ 100 $ 134 (3) Change in the fair value of equity securities — — — — — — — (4) Core OID 20 19 18 17 17 1 3 (3) Repositioning — — (7) 59 — — — (4) Core pre-tax income (loss) $ 72 $ (29) $ (47) $ (99) $ (65) $ 101 $ 137 Balance Sheet (Period-End) Cash, trading and investment securities $ 29,329 $ 30,323 $ 31,976 $ 32,408 $ 32,382 $ (994) $ (3,053) Loans held-for-sale, net 124 204 189 450 86 (80) 38 Consumer loans 14,608 14,927 15,288 15,579 16,253 (319) (1,645) Commercial loans 274 279 259 233 237 (5) 37 (5) Intercompany loans (865) (814) (854) (807) (696) (51) (169) Allowance for loan losses (14) (14) (14) (15) (20) — 6 Total finance receivables and loans, net 14,003 14,378 14,679 14,990 15,774 (375) (1,771) Other assets 10,076 9,404 9,122 9,481 8,552 672 1,524 Total assets $ 53,532 $ 54,309 $ 55,966 $ 57,329 $ 56,794 $ (777) $ (3,262) (4) Core OID Amortization Schedule 2026 2027 2028 2029 2030 & After Remaining Core OID amortization expense $ 20 $ 89 $ 104 $ 122 Avg = $139/yr (1) Includes the impact of centralized asset and liability management, corporate overhead allocation activities, consumer mortgage portfolio, and Ally Invest activity. (2) Other operating expenses includes corporate overhead allocated to the other business segments. Amounts of corporate overhead allocated were $307 million for 3Q26, $300 million for 2Q26, $315 million for 1Q26, $294 million for 4Q25, and $298 million for 3Q25. The receiving business segment records the allocation of corporate overhead expense within other operating expenses. (3) For more details refer to pages 23-24. (4) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (5) Intercompany loans related to activity between Insurance and Corporate and Other for liquidity purposes. Note: Numbers may not foot due to rounding. 13

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. (1) Asset Quality - Consolidated 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Ending loan balance $ 147,959 $ 143,673 $ 139,890 $ 134,567 $ 137,454 $ 4,286 $ 13,392 30+ Accruing DPD $ 3,718 $ 3,547 $ 3,231 $ 3,401 $ 3,671 $ 171 $ 317 30+ Accruing DPD % 2 .51 % 2 .47% 2 .31 % 2 .53 % 2 .67 % 60+ Accruing DPD $ 1,008 $ 933 $ 846 $ 883 $ 984 $ 75 $ 125 60+ Accruing DPD % 0 .68 % 0 .65% 0 .60 % 0 .66% 0.72 % Non-performing loans (NPLs) $ 1,309 $ 1,226 $ 1,306 $ 1,353 $ 1,366 $ 83 $ (44) Net charge-offs (NCOs) $ 423 $ 394 $ 417 $ 395 $ 452 $ 29 $ 28 (2) Net charge-off rate 1 .17% 1.11% 1 .21 % 1 .18% 1 .34 % Provision for loan losses $ 529 $ 430 $ 467 $ 415 $ 487 $ 99 $ 114 Allowance for loan losses (ALLL) $ 3,682 $ 3,576 $ 3,540 $ 3,460 $ 3,490 $ 106 $ 222 (3) (4) ALLL as % of Loans 2.49% 2 .49 % 2.53% 2 .57% 2.54 % (3) ALLL as % of NPLs 281 % 2 92% 2 71% 2 56% 255 % (3) ALLL as % of NCOs 218% 2 27 % 2 12% 2 19% 192% (5) U.S. Auto Delinquencies - HFI Retail Contract $'s 30+ Delinquent contract $ $ 3,684 $ 3,470 $ 3,197 $ 3,340 $ 3,630 $ 214 $ 344 % of retail contract $ outstanding 4.02 % 3 .89% 3.69% 3 .93% 4 .24 % 60+ Delinquent contract $ $ 1,003 $ 930 $ 842 $ 877 $ 974 $ 73 $ 126 % of retail contract $ outstanding 1.10% 1.04 % 0.97 % 1 .03% 1.14 % U.S. Auto Annualized Net Charge-Offs - HFI Retail Contract $'s Net charge-offs $ 427 $ 344 $ 424 $ 399 $ 454 $ 83 $ 28 (2) % of avg. HFI assets 1.89 % 1.57 % 1.97 % 1 .88% 2 .14% (6) U.S. Auto Annualized Net Charge-Offs - HFI Commercial Contract $'s Net charge-offs $ — $ — $ — $ — $ — $ — $ — (2) % of avg. HFI assets — % — % — % (0.01)% — % (1) Loans within this table are classified as held-for-investment recorded at amortized cost as these loans are included in our allowance for loan losses. (2) Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding finance receivables and loans excluding loans measured at fair value, conditional repurchase loans and loans held- for-sale during the year for each loan category. (3) Excludes provision for credit losses related to our reserve for unfunded commitments. (4) ALLL coverage ratios are based on the allowance for loan losses related to loans held-for-investment excluding those loans held at fair value as a percentage of the unpaid principal balance, net of premiums and discounts. (5) Auto delinquency metrics include accruing contracts only. (6) Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding. 14

ALLY FINANCIAL INC. CREDIT RELATED INFORMATION, CONTINUED ($ in millions) (1) Automotive Finance QUARTERLY TRENDS CHANGE VS. Consumer 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Net Charge-offs $ 427 $ 344 $ 424 $ 454 $ 399 $ 83 $ 28 Allowance for loan losses $ 3,425 $ 3,345 $ 3,250 $ 3,208 $ 3,186 $ 80 $ 239 (2) Total consumer loans $ 91,539 $ 89,184 $ 86,662 $ 85,568 $ 84,994 $ 2,355 $ 6,545 (3) Coverage ratio 3.74 % 3.75 % 3 .75 % 3 .75 % 3 .75% (4) Commercial Net Charge-offs $ — $ — $ — $ — $ — $ — $ — Allowance for loan losses $ 57 $ 53 $ 50 $ 48 $ 47 $ 4 $ 10 Total commercial loans $ 25,656 $ 25,563 $ 23,944 $ 23,151 $ 21,794 $ 93 $ 3,862 Coverage ratio 0 .22 % 0 .21 % 0 .21 % 0 .21 % 0 .21 % (1) Consumer Mortgage Net Charge-offs $ (1) $ (1) $ (8) $ (1) $ (3) $ — $ 2 Allowance for loan losses $ 10 $ 10 $ 11 $ 12 $ 17 $ — $ (7) Total consumer loans $ 14,650 $ 14,960 $ 15,311 $ 15,572 $ 16,253 $ (310) $ (1,603) Coverage ratio 0 .07% 0 .07% 0 .07% 0 .07 % 0 .10 % (1) Corporate Finance Net Charge-offs $ (3) $ 51 $ 1 $ (1) $ (1) $ (54) $ (2) Allowance for loan losses $ 186 $ 164 $ 226 $ 219 $ 207 $ 22 $ (21) Total commercial loans $ 15,840 $ 13,687 $ 13,714 $ 12,930 $ 11,289 $ 2,153 $ 4,551 Coverage ratio 1 .17 % 1 .19 % 1 .65% 1 .69 % 1 .83 % (1) Corporate and Other Net Charge-offs $ — $ — $ — $ — $ — $ — $ — Allowance for loan losses $ 4 $ 4 $ 3 $ 3 $ 3 $ — $ 1 Total commercial loans $ 274 $ 279 $ 259 $ 233 $ 237 $ (5) $ 37 Coverage ratio 1 .36% 1.36% 1 .36 % 1 .38% 1.36% (1) ALLL coverage ratios are based on the domestic allowance as a percentage of finance receivables and loans reported at their gross carrying value, which includes the principal amount outstanding, net of unearned income, unamortized deferred fees reduced by costs on originated loans, unamortized premiums and discounts on purchased loans, unamortized basis adjustments arising from the designation of finance receivables and loans as the hedged item in qualifying fair value hedge relationships, and cumulative principal charge-offs. Excludes loans held at fair value. (2) Includes ($42M) of fair value adjustment for loans in hedge accounting relationships in 3Q26, ($33M) in 2Q26, ($23M) in 1Q26, $7M in 4Q25 and $0M in 3Q25. (3) Excludes ($42M) of fair value adjustment for loans in hedge accounting relationships in 3Q26, ($33M) in 2Q26, ($23M) in 1Q26, $7M in 4Q25 and $0M in 3Q25. (4) Commercial Auto data includes Insurance advances. Note: Numbers may not foot due to rounding. 15

ALLY FINANCIAL INC. CAPITAL ($ in billions) QUARTERLY TRENDS CHANGE VS. Capital 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Risk-weighted assets $ 158.2 $ 156.8 $ 155.2 $ 152.8 $ 150.7 $ 1.3 $ 7.4 10.2 % 10.2% 1 0.1 % 1 0.2 % 10.1% Common Equity Tier 1 (CET1) capital ratio Tier 1 capital ratio 1 1.4 % 1 1.4% 1 1.6 % 11.7 % 1 1.6% Total capital ratio 13.2 % 1 3.2 % 13.4 % 1 3.6% 13.4 % (1) (2) 6 .3% 6.7% 6.6% 6 .6% 6 .6% Tangible common equity / Tangible assets (1) Tangible common equity / Risk-weighted assets 8.1 % 8 .5 % 8.4% 8 .5 % 8.4% Shareholders’ equity $ 15.0 $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ (0.5) $ (0.1) less: Certain AOCI items and other adjustments 3.1 2.4 2.4 2.5 2.4 0.7 0.7 Preferred equity (2.0) (2.0) (2.3) (2.3) (2.3) — 0.3 Common Equity Tier 1 capital $ 16.1 $ 15.9 $ 15.7 $ 15.6 $ 15.2 $ 0.2 $ 0.9 Common Equity Tier 1 capital $ 16.1 $ 15.9 $ 15.7 $ 15.6 $ 15.2 $ 0.2 $ 0.9 add: Preferred equity 2.0 2.0 2.3 2.3 2.3 — (0.3) less: Other adjustments (0.1) (0.1) (0.1) (0.1) (0.1) — — Tier 1 capital $ 18.0 $ 17.8 $ 17.9 $ 17.9 $ 17.4 $ 0.2 $ 0.6 Tier 1 capital $ 18.0 $ 17.8 $ 17.9 $ 17.9 $ 17.4 $ 0.2 $ 0.6 add: Qualifying subordinated debt 1.0 1.0 1.0 1.0 1.0 — — Allowance for loan and lease losses includible in Tier 2 capital and other adjustments 1.9 1.9 1.9 1.9 1.8 — 0.1 Total capital $ 20.9 $ 20.7 $ 20.8 $ 20.7 $ 20.3 $ 0.2 $ 0.6 Total shareholders' equity $ 15.0 $ 15.5 $ 15.6 $ 15.5 $ 15.1 $ (0.5) $ (0.1) less: Preferred equity (2.0) (2.0) (2.3) (2.3) (2.3) — 0.3 Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.2) — — (1) Tangible common equity $ 12.8 $ 13.3 $ 13.1 $ 13.0 $ 12.6 $ (0.5) $ 0.2 Total assets $ 203.3 $ 199.8 $ 197.3 $ 196.0 $ 191.7 $ 3.5 $ 11.6 less: Goodwill and intangible assets, net of deferred tax liabilities (0.2) (0.2) (0.2) (0.2) (0.2) — — (2) Tangible assets $ 203.1 $ 199.6 $ 197.1 $ 195.8 $ 191.5 $ 3.5 $ 11.6 (1) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (2) Ally defines tangible assets as total assets less goodwill and intangible assets, net of deferred tax liabilities. Note: Numbers may not foot due to rounding. 16

ALLY FINANCIAL INC. LIQUIDITY AND DEPOSITS QUARTERLY TRENDS CHANGE VS. Consolidated Available Liquidity ($ in billions) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 (1) Liquid cash and cash equivalents $ 7.5 $ 7.5 $ 8.9 $ 9.7 $ 9.5 $ (0.0) $ (2.0) (2) Highly liquid securities 19.4 20.6 20.4 20.3 19.9 (1.2) (0.5) Subtotal $ 26.9 $ 28.2 $ 29.3 $ 30.0 $ 29.5 $ (1.2) $ (2.5) FHLB Unused Pledged Borrowing Capacity 6.4 7.5 9.5 9.1 10.3 (1.2) (3.9) FRB Discount Window Unused Pledged Capacity 27.9 27.2 27.0 26.9 26.9 0.7 1.0 Total unused pledged capacity $ 34.3 $ 34.7 $ 36.5 $ 36.0 $ 37.2 $ (0.4) $ (2.9) Total current available liquidity $ 61.2 $ 62.8 $ 65.8 $ 66.1 $ 66.6 $ (1.6) $ (5.4) 2031 & Unsecured Long-Term Debt Maturity Profile 2026 2027 2028 2029 2030 After (3) Consolidated remaining maturities $ — $ 1.5 $ 0.8 $ 1.6 $ 1.5 $ 5.3 Ally Bank Deposits Key Deposit Statistics Average retail CD duration (months) 18.2 17.8 17.6 17.4 17.2 0.4 1.0 Average retail deposit rate 3 .05% 3 .12% 3.26% 3 .35 % 3.48 % End of Period Deposit Levels ($ in millions) Retail $ 141,923 $ 143,566 $ 146,132 $ 143,529 $ 141,843 $ (1,643) $ 80 Brokered & other 13,881 10,480 7,020 8,120 6,567 3,401 7,314 Total deposits $ 155,804 $ 154,046 $ 153,152 $ 151,649 $ 148,410 $ 1,758 $ 7,394 Deposit Mix Retail CD 21 % 2 2% 23 % 2 3 % 24% MMA/OSA/Checking 7 0% 72% 73 % 71% 71% Brokered & other 9 % 6 % 4 % 6 % 5% (1) May include the restricted cash accumulation for retained notes maturing within the following 30 days and returned to Ally on the distribution date. (2) Includes unencumbered UST, Agency-backed securities, and highly liquid Corporates. (3) Excludes retail notes and credit linked notes; as of 09/30/26. Reflects notional value of outstanding bond. Excludes total GAAP OID and capitalized transaction costs. Note: Numbers may not foot due to rounding. 17

ALLY FINANCIAL INC. NET INTEREST MARGIN QUARTERLY TRENDS CHANGE VS. ($ in millions) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Average Balance Details $ 89,874 $ 87,535 $ 85,858 $ 84,865 $ 84,592 $ 2,339 $ 5,282 Retail Auto Loans 8,496 8,689 8,805 8,753 8,255 (193) 241 Auto Lease (net of dep.) 17,246 16,834 15,466 15,956 14,771 412 2,475 Dealer Floorplan Other Dealer Loans 7,988 7,886 7,460 6,541 6,348 102 1,640 14,786 13,811 13,348 12,078 11,085 975 3,701 Corporate Finance (1) 14,870 15,200 15,708 16,070 16,458 (330) (1,588) Mortgage (4) 9,079 8,931 9,100 8,983 8,465 148 614 Cash and Cash Equivalents Investment Securities and Other 29,394 29,537 29,326 29,191 28,756 (143) 638 Total Earning Assets $ 191,733 $ 188,423 $ 185,071 $ 182,437 $ 178,730 $ 3,310 $ 13,003 Interest Revenue 3,294 3,196 3,106 3,160 3,162 98 132 (2) Unsecured Debt (ex. Core OID balance) $ 10,554 $ 10,489 $ 10,654 $ 11,273 $ 11,598 $ 65 $ (1,044) Secured Debt 3,161 3,187 2,860 2,604 1,780 (26) 1,381 (3) 154,197 152,591 151,867 149,028 147,660 1,606 6,537 Deposits Other Borrowings 10,253 8,433 6,137 5,845 4,590 1,820 5,663 (2) Total Funding Sources (ex. Core OID balance) $ 178,165 $ 174,701 $ 171,518 $ 168,750 $ 165,628 $ 3,464 $ 12,537 (2) Interest Expense (ex. Core OID) 1,526 1,493 1,499 1,545 1,561 33 (35) (2) Net Financing Revenue (ex. Core OID) $ 1,768 $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 65 $ 167 Net Interest Margin (yield details) 9 .22 % 9.28 % 9.30 % 9 .32% 9 .28% (0.06) % ( 0.06) % Retail Auto Loan 9 .20 % 9.25% 9.27% 9 .27% 9 .21 % ( 0.05) % (0.01)% Retail Auto Loan (excl. hedge impact) 5.16 % 5 .61% 5 .73 % 5 .93% 6.70% (0.45)% ( 1.54) % Auto Lease (net of dep.) Dealer Floorplan 5.64 % 5.55% 5 .70 % 5 .91% 6 .42 % 0 .09 % (0.78) % Other Dealer Loans 6 .07 % 6 .02 % 5 .94 % 5 .68 % 5 .66% 0 .05% 0.41% 7 .30 % 7.36% 7 .43% 7.98% 8 .59% ( 0.06) % (1.29) % Corporate Finance (1) Mortgage 3 .12 % 3.16 % 3 .21% 3.13% 3 .14 % ( 0.04) % (0.02) % (4) Cash and Cash Equivalents 3 .54 % 3 .57 % 3 .61% 3.89% 4.28% ( 0.03) % ( 0.74)% Investment Securities and Other 3 .46 % 3 .34% 3 .28% 3 .34% 3.47% 0 .12% ( 0.01)% 6 .81% 6.80% 6 .81 % 6 .87% 7 .02 % 0 .01% (0.21)% Total Earning Assets (2) 6.37% 6.43 % 6.44% 6.36 % 6.33 % ( 0.06)% 0 .04% Unsecured Debt (ex. Core OID & Core OID balance) Secured Debt 4.99 % 4 .87% 5 .17% 5 .14 % 5 .41% 0 .12 % ( 0.42)% (3) Deposits 3 .12 % 3.15 % 3 .29% 3 .38% 3 .50 % (0.03) % (0.38)% (5) Other Borrowings 4.01 % 4 .11 % 4.02 % 4 .21 % 4.26% ( 0.10)% ( 0.25) % (2) Total Funding Sources (ex. Core OID & Core OID balance) 3 .40 % 3 .43% 3.55% 3.63 % 3.74 % (0.03)% (0.34) % NIM (as reported) 3 .62% 3.59% 3.48% 3 .48% 3 .51 % 0 .03% 0 .11 % (2) NIM (ex. Core OID & Core OID balance) 3 .66% 3 .63 % 3.52 % 3.51 % 3 .55 % 0 .03% 0.11% (1) Mortgage loans in run-off at the Corporate and Other segment. (2) Represents a non-GAAP financial measure. Excludes Core OID from interest expense and Core OID balance from Unsecured Debt. For more details refer to pages 23-24. (3) Includes retail, brokered, and other deposits. Other includes sweep deposits and other deposits. (4) Includes interest expense related to margin received on derivative contracts. Excluding this expense, annualized yields were 3.63% for 3Q26, 3.62% for 2Q26, 3.61% for 1Q26, 3.88% for 4Q25, and 4.28% for 3Q25. (5) Includes FHLB Borrowings, Repurchase Agreements and other. Note: Numbers may not foot due to rounding. 18

ALLY FINANCIAL INC. EARNINGS PER SHARE RELATED INFORMATION ($ in millions, shares in thousands) QUARTERLY TRENDS CHANGE VS. Earnings Per Share Data 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Weighted-average common shares outstanding - basic 305,074 308,362 310,992 310,792 310,342 (3,287) (5,267) Weighted-average common shares outstanding - diluted 308,133 311,035 313,219 314,264 313,823 (2,902) (5,690) Issued shares outstanding (period-end) 300,538 304,543 307,408 308,493 307,828 (4,004) (7,290) Net income (loss) per share - basic $ 1.32 $ 1.19 $ 0.94 $ 0.97 $ 1.19 $ 0.12 $ 0.12 Net income (loss) per share - diluted $ 1.30 $ 1.18 $ 0.93 $ 0.95 $ 1.18 $ 0.12 $ 0.12 (1) Adjusted Earnings per Share ( Adjusted EPS ) Numerator GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Discontinued operations, net of tax — — — — — — — (2) Core OID 20 19 18 17 17 1 3 (3) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 Core OID, repositioning & change in the fair value of equity securities tax (tax rate 21%) (3) 2 (15) (16) 2 (5) (5) (3) Repositioning — — (7) 59 — — — Significant discrete tax items — — — (18) — — — Capital actions (preferred redemption) — 15 — — — (15) — (2) Core net income attributable to common shareholders $ 412 $ 375 $ 346 $ 341 $ 363 $ 37 $ 49 Denominator Weighted-average common shares outstanding - basic or diluted as applicable 308,133 311,035 313,219 314,264 313,823 (2,902) (5,690) (1) Adjusted EPS $ 1.34 $ 1.21 $ 1.11 $ 1.09 $ 1.15 $ 0.13 $ 0.18 GAAP original issue discount amortization expense $ 21 $ 20 $ 19 $ 19 $ 19 $ 1 $ 2 Other OID (1) (1) (1) (2) (2) (0) 0 (2) Core original issue discount (Core OID) amortization expense $ 20 $ 19 $ 18 $ 17 $ 17 $ 1 $ 3 GAAP outstanding original issue discount balance $ (628) $ (649) $ (670) $ (689) $ (708) $ 21 $ 80 Other outstanding OID balance 14 16 17 18 20 (1) (6) (2) Core outstanding original issue discount balance (Core OID balance) $ (614) $ (634) $ (653) $ (671) $ (688) $ 20 $ 74 GAAP Net Financing Revenue $ 1,748 $ 1,684 $ 1,589 $ 1,598 $ 1,584 $ 64 $ 164 (2) Core OID 20 19 18 17 17 1 3 (2) Net Financing Revenue (ex. Core OID) $ 1,768 $ 1,703 $ 1,607 $ 1,615 $ 1,601 $ 65 $ 167 GAAP Other Revenue $ 584 $ 602 $ 513 $ 525 $ 584 $ (18) $ — (3) Repositioning — — 0 27 — — — (3) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 (3) Adjusted Other Revenue $ 579 $ 573 $ 572 $ 550 $ 557 $ 6 $ 22 GAAP Provision Expense $ 529 $ 430 $ 467 $ 487 $ 415 $ 99 $ 114 (3) Repositioning — — 7 (1) — — — (3) Adjusted Provision (ex. Repositioning) $ 529 $ 430 $ 474 $ 486 $ 415 $ 99 $ 114 GAAP Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,250 $ 1,240 $ (83) $ (4) (3) Repositioning and other — — — (31) — — — (2) Adjusted Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,219 $ 1,240 $ (83) $ (4) (1) Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company. Management believes Adjusted EPS can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. In the numerator of Adjusted EPS, GAAP net income attributable to common shareholders is adjusted for the following items: (1) excludes discontinued operations, net of tax, as Ally is primarily a domestic company and sales of international businesses and other discontinued operations in the past have significantly impacted GAAP EPS, (2) adds back the tax- effected non-cash Core OID, (3) adjusts for tax-effected repositioning and other which are primarily related to the extinguishment of high cost legacy debt, strategic activities and significant other one-time items, (4) change in fair value of equity securities, (5) excludes significant discrete tax items that do not relate to the operating performance of the core businesses, and adjusts for preferred stock capital actions that have been taken by the company to normalize its capital structure, as applicable for respective periods. See pages 23-24 for details. (2) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (3) For more details refer to pages 23-24. Note: Numbers may not foot due to rounding. 19

ALLY FINANCIAL INC. ADJUSTED TANGIBLE BOOK PER SHARE RELATED INFORMATION QUARTERLY TRENDS CHANGE VS. ($ in millions, shares in thousands) Adjusted Tangible Book Value Per Share ( Adjusted TBVPS ) Information 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Numerator GAAP shareholders' equity $ 14,970 $ 15,491 $ 15,609 $ 15,498 $ 15,117 $ (521) $ (147) Preferred equity (1,976) (1,976) (2,324) (2,324) (2,324) — 348 GAAP common shareholders' equity $ 12,994 $ 13,515 $ 13,285 $ 13,174 $ 12,793 $ (521) $ 201 Goodwill and identifiable intangibles, net of DTLs (187) (187) (187) (187) (187) 0 0 (1) Tangible common equity 12,807 13,328 13,098 12,987 12,606 (521) 201 (1) Tax-effected Core OID balance (21% tax rate) (485) (501) (516) (530) (544) 15 58 (2) Adjusted tangible book value $ 12,322 $ 12,827 $ 12,582 $ 12,457 $ 12,062 $ (505) $ 260 Denominator Issued shares outstanding (period-end, thousands) 300,538 304,543 307,408 308,493 307,828 (4,004) (7,290) GAAP shareholders' equity per share $ 49.81 $ 50.87 $ 50.78 $ 50.24 $ 49.11 $ (1.06) $ 0.70 Preferred equity per share (6.57) (6.49) (7.56) (7.53) (7.55) (0.09) 0.97 GAAP common shareholders' equity per share $ 43.24 $ 44.38 $ 43.22 $ 42.70 $ 41.56 $ (1.14) $ 1.68 Goodwill and identifiable intangibles, net of DTLs per share (0.62) (0.61) (0.61) (0.61) (0.61) (0.01) (0.01) (1) Tangible common equity per share 42.61 43.76 42.61 42.10 40.95 (1.15) 1.66 (1) Tax-effected Core OID balance (21% tax rate) per share (1.61) (1.64) (1.68) (1.72) (1.77) 0.03 0.15 (2) Adjusted tangible book value per share $ 41.00 $ 42.12 $ 40.93 $ 40.38 $ 39.19 $ (1.12) $ 1.81 (1) Represents a non-GAAP financial measure. For more details refer to pages 23-24. (2) Adjusted tangible book value per share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholders' equity per share. Adjusted TBVPS generally adjusts common equity for (1) goodwill and identifiable intangibles, net of DTLs, and (2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered. Note: Numbers may not foot due to rounding. 20

ALLY FINANCIAL INC. CORE ROTCE RELATED INFORMATION ($ in millions) unless noted otherwise QUARTERLY TRENDS CHANGE VS. Core Return on Tangible Common Equity ( Core ROTCE ) 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Numerator GAAP net income (loss) attributable to common shareholders $ 401 $ 367 $ 291 $ 300 $ 371 $ 34 $ 30 Discontinued operations, net of tax — — — — — — — (2) Core OID 20 19 18 17 17 1 3 (2) Change in the fair value of equity securities (5) (29) 59 (2) (27) 24 22 Core OID, repositioning & change in the fair value of equity (3) 2 (15) (16) 2 (5) (5) securities tax (tax rate 21%) (2) Repositioning — — (7) 59 — — — Significant discrete tax items — — — (18) — — — Capital actions (preferred redemption) — 15 — — — (15) — (1) Core net income attributable to common shareholders $ 412 $ 375 $ 346 $ 341 $ 363 $ 37 $ 49 Denominator (average, $ millions) GAAP shareholders' equity $ 15,231 $ 15,550 $ 15,554 $ 15,308 $ 14,832 $ (320) $ 399 Preferred equity (1,976) (2,150) (2,324) (2,324) (2,324) 174 348 GAAP common shareholders' equity $ 13,255 $ 13,400 $ 13,230 $ 12,984 $ 12,508 $ (146) $ 747 Goodwill & identifiable intangibles, net of deferred tax liabilities ( DTLs ) (187) (187) (187) (187) (187) 0 0 Tangible common equity $ 13,068 $ 13,213 $ 13,042 $ 12,796 $ 12,321 $ (145) $ 747 Tax-effected Core OID balance (tax rate 21%) (493) (508) (523) (537) (550) 15 57 (1) Adjusted Tangible Common Equity $ 12,575 $ 12,705 $ 12,520 $ 12,260 $ 11,771 $ (130) $ 804 (3) Core Return on Tangible Common Equity 13.1 % 1 1.8% 11.1% 1 1.1% 12.3 % (1) Represents a non-GAAP measure. See pages 23-24 for methodology and detail. (2) For more details see pages 23-24. (3) Core return on tangible common equity (Core ROTCE) is a non-GAAP financial measure that management believes is helpful for readers to better understand the ongoing ability of the company to generate returns on its equity base that supports core operations. For purposes of this calculation, tangible common equity is adjusted for tax-effected Core OID balance. Ally’s Core net income attributable to common shareholders for purposes of calculating Core ROTCE is based on the actual effective tax rate for the period adjusted for significant discrete tax items including tax reserve releases, which aligns with the methodology used in calculating adjusted earnings per share. (1) In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective periods. (2) In the denominator, GAAP shareholders’ equity is adjusted for goodwill and identifiable intangibles net of DTL, and tax-effected Core OID balance. Note: Numbers may not foot due to rounding. 21

ALLY FINANCIAL INC. ADJUSTED EFFICIENCY RATIO RELATED INFORMATION ($ in millions) QUARTERLY TRENDS CHANGE VS. Adjusted Efficiency Ratio Calculation 3Q 26 2Q 26 1Q 26 4Q 25 3Q 25 2Q 26 3Q 25 Numerator GAAP Noninterest Expense $ 1,236 $ 1,319 $ 1,235 $ 1,250 $ 1,240 $ (83) $ (4) Insurance expense (365) (434) (350) (335) (374) 69 9 (2) Repositioning — — — (31) — — — Adjusted noninterest expense for the efficiency ratio $ 871 $ 885 $ 885 $ 884 $ 866 $ (14) $ 5 Denominator Total net revenue $ 2,332 $ 2,286 $ 2,102 $ 2,123 $ 2,168 $ 46 $ 164 (2) Core OID 20 19 18 17 17 1 3 Insurance revenue (445) (487) (378) (426) (453) 42 8 (2) Repositioning — — 0 27 — — — Adjusted net revenue for the efficiency ratio $ 1,907 $ 1,818 $ 1,742 $ 1,741 $ 1,732 $ 89 $ 175 (1) Adjusted Efficiency Ratio 4 5.7 % 4 8.7% 5 0.8% 5 0.8 % 5 0.0% (1) Adjusted efficiency ratio is a non-GAAP financial measure that management believes is helpful to readers in comparing the efficiency of its core banking and lending businesses with those of its peers. In the numerator of Adjusted efficiency ratio, total noninterest expense is adjusted for Insurance segment expense, Rep and warrant expense, and repositioning and other which is primarily related to the extinguishment of high cost legacy debt, strategic activities and significant one-time items, as applicable for respective periods. In the denominator, total net revenue is adjusted for Insurance segment revenue, Core OID, and repositioning items. See page 11 for the combined ratio for the Insurance segment which management uses as a primary measure of underwriting profitability for the Insurance business. (2) For more details see pages 23-24. Note: Numbers may not foot due to rounding. 22

ALLY FINANCIAL INC. The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), and Adjusted Tangible Common Equity. These measures are used by management and we believe are useful to investors in assessing the company’s operating performance and capital. 1) Accelerated issuance expense (Accelerated OID) is the recognition of issuance expenses related to calls of redeemable debt. 2) Adjusted earnings per share (Adjusted EPS) is a non-GAAP financial measure that adjusts GAAP EPS for revenue and expense items that are typically strategic in nature or that management otherwise does not view as reflecting the operating performance of the company. Management believes Adjusted EPS can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. In the numerator of Adjusted EPS, GAAP net income attributable to common shareholders is adjusted for the following items: (1) excludes discontinued operations, net of tax, as Ally is primarily a domestic company and sales of international businesses and other discontinued operations in the past have significantly impacted GAAP EPS, (2) adds back the tax-effected non-cash Core OID, (3) adjusts for tax-effected repositioning and other which are primarily related to the extinguishment of high cost legacy debt, strategic activities and significant other one-time items, (4) excludes change in fair value of equity securities, (5) excludes significant discrete tax items that do not relate to the operating performance of the core businesses, and adjusts for preferred stock capital actions that have been taken by the company to normalize its capital structure, as applicable for respective periods. 3) Adjusted efficiency ratio is a non-GAAP financial measure that management believes is helpful to readers in comparing the efficiency of its core banking and lending businesses with those of its peers. (1) In the numerator of Adjusted efficiency ratio, total noninterest expense is adjusted for Rep and warrant expense, Insurance segment expense, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods. (2) In the denominator, total net revenue is adjusted for Core OID and Insurance segment revenue, and repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring and significant other one-time items, as applicable for respective periods. 4) Adjusted noninterest expense is a non-GAAP financial measure that adjusts GAAP noninterest expense for repositioning items. Management believes adjusted noninterest expense is a helpful financial metric because it enables the reader better understand the business' expenses excluding nonrecurring items. 5) Adjusted other revenue is a non-GAAP financial measure that adjusts GAAP other revenue for OID expenses, repositioning, and change in fair value of equity securities. Management believes adjusted other revenue is a helpful financial metric because it enables the reader to better understand the business' ability to generate other revenue. 6) Adjusted Provision for Credit Losses is a non-GAAP financial measure that adjusts GAAP provision for credit losses for repositioning items. Management believes adjusted provision for credit losses is a helpful financial metric because it enables the reader better understand the business’ expenses excluding nonrecurring items. 7) Adjusted tangible book value per share (Adjusted TBVPS) is a non-GAAP financial measure that reflects the book value of equity attributable to shareholders even if Core OID balance were accelerated immediately through the financial statements. As a result, management believes Adjusted TBVPS provides the reader with an assessment of value that is more conservative than GAAP common shareholder’s equity per share. Adjusted TBVPS generally adjusts common equity for: (1) goodwill and identifiable intangibles, net of DTLs, and (2) tax-effected Core OID balance to reduce tangible common equity in the event the corresponding discounted bonds are redeemed/tendered. Note: In December 2017, tax- effected Core OID balance was adjusted from a statutory U.S. Federal tax rate of 35% to 21% (“rate”) as a result of changes to U.S. tax law. The adjustment conservatively increased the tax-effected Core OID balance and consequently reduced Adjusted TBVPS as any acceleration of the non-cash charge in future periods would flow through the financial statements at a 21% rate versus a previously modeled 35% rate. 8) Adjusted total net revenue is a non-GAAP financial measure that management believes is helpful for readers to understand the ongoing ability of the company to generate revenue. For purposes of this calculation, GAAP net financing revenue is adjusted by excluding Core OID to calculate net financing revenue ex. core OID. GAAP other revenue is adjusted for OID expenses, repositioning, and change in fair value of equity securities to calculate adjusted other revenue. Adjusted total net revenue is calculated by adding net financing revenue ex. core OID to adjusted other revenue. 9) 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. 23

ALLY FINANCIAL INC. The following are non-GAAP financial measures which Ally believes are important to the reader of the Consolidated Financial Statements, but which are supplemental to and not a substitute for GAAP measures: Accelerated issuance expense (Accelerated OID), Adjusted earnings per share (Adjusted EPS), Adjusted efficiency ratio, Adjusted noninterest expense, Adjusted other revenue, Adjusted tangible book value per share (Adjusted TBVPS), Adjusted total net revenue, Core net income attributable to common shareholders, Core original issue discount (Core OID) amortization expense, Core outstanding original issue discount balance (Core OID balance), Core pre-tax income, Core return on tangible common equity (Core ROTCE), Investment income and other (adjusted), Net financing revenue (excluding Core OID), Net interest margin (excluding Core OID), and Adjusted Tangible Common Equity. These measures are used by management and we believe are useful to investors in assessing the company’s operating performance and capital. 10) Core net income attributable to common shareholders is a non-GAAP financial measure that serves as the numerator in the calculations of Adjusted EPS and Core ROTCE and that, like those measures, is believed by management to help the reader better understand the operating performance of the core businesses and their ability to generate earnings. Core net income attributable to common shareholders adjusts GAAP net income attributable to common shareholders for discontinued operations net of tax, tax-effected Core OID expense, tax-effected repositioning and other primarily related to the extinguishment of high-cost legacy debt and strategic activities and significant other, preferred stock capital actions, significant discrete tax items and tax-effected changes in equity investments measured at fair value, as applicable for respective periods. 11) Core original issue discount (Core OID) amortization expense is a non-GAAP financial measure for OID and is believed by management to help the reader better understand the activity removed from: Core pre-tax income (loss), Core net income (loss) attributable to common shareholders, Adjusted EPS, Core ROTCE, Adjusted efficiency ratio, Adjusted total net revenue, and Net financing revenue (excluding Core OID). Core OID is primarily related to bond exchange OID which excludes international operations and future issuances. Core OID for all periods shown is applied to the pre-tax income of the Corporate and Other segment. 12) Core outstanding original issue discount balance (Core OID balance) is a non-GAAP financial measure for outstanding OID and is believed by management to help the reader better understand the balance removed from Core ROTCE and Adjusted TBVPS. Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. 13) Core pre-tax income is a non-GAAP financial measure that adjusts pre-tax income from continuing operations by excluding (1) Core OID, and (2) change in fair value of equity securities (change in fair value of equity securities impacts the Insurance and Corporate Finance segments), and (3) Repositioning and other which are primarily related to the extinguishment of high cost legacy debt, strategic activities and significant other one-time items, as applicable for respective periods or businesses. Management believes core pre- tax income can help the reader better understand the operating performance of the core businesses and their ability to generate earnings. 14) Core return on tangible common equity (Core ROTCE) is a non-GAAP financial measure that management believes is helpful for readers to better understand the ongoing ability of the company to generate returns on its equity base that supports core operations. For purposes of this calculation, tangible common equity is adjusted for tax-effected Core OID balance. Ally’s Core net income attributable to common shareholders for purposes of calculating Core ROTCE is based on the actual effective tax rate for the period adjusted for significant discrete tax items including tax reserve releases, which aligns with the methodology used in calculating adjusted earnings per share. (1) In the numerator of Core ROTCE, GAAP net income attributable to common shareholders is adjusted for discontinued operations net of tax, tax-effected Core OID, tax-effected repositioning and other which are primarily related to the extinguishment of high-cost legacy debt, strategic activities and significant other one- time items, change in fair value of equity securities, significant discrete tax items, and preferred stock capital actions, as applicable for respective periods. (2) In the denominator, GAAP shareholder’s equity is adjusted for goodwill and identifiable intangibles net of DTL, and tax-effected Core OID balance. 15) Investment income and other (adjusted) is a non-GAAP financial measure that adjusts GAAP investment income and other for repositioning, and the change in fair value of equity securities. Management believes investment income and other (adjusted) is a helpful financial metric because it enables the reader to better understand the business' ability to generate investment income. 16) Net financing revenue excluding core OID is calculated using a non-GAAP measure that adjusts net financing revenue by excluding Core OID. The Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. Management believes net financing revenue ex. Core OID is a helpful financial metric because it enables the reader to better understand the business' ability to generate revenue. 17) Net interest margin excluding core OID is calculated using a non-GAAP measure that adjusts net interest margin by excluding Core OID. The Core OID balance is primarily related to bond exchange OID which excludes international operations and future issuances. Management believes net interest margin ex. Core OID is a helpful financial metric because it enables the reader to better understand the business' profitability and margins. 18) Repositioning is primarily related to the extinguishment of high-cost legacy debt, strategic activities, restructuring, amounts related to nonrecurring business transactions or pending transactions, and significant other one-time items. 19) Adjusted Tangible Common Equity is a non-GAAP financial measure that is defined as common stockholders’ equity less goodwill and identifiable intangible assets, net of deferred tax liabilities. Ally considers various measures when evaluating capital adequacy, including tangible common equity. Ally believes that tangible common equity is important because we believe readers may assess our capital adequacy using this measure. Additionally, presentation of this measure allows readers to compare certain aspects of our capital adequacy on the same basis to other companies in the industry. For purposes of calculating Core return on tangible common equity (Core ROTCE), tangible common equity is further adjusted for tax-effected Core OID balance. 24