Financial Performance - Net income available to common shareholders was $534 million[3], with diluted earnings per share at $0.59[3] - Adjusted net income available to common shareholders reached $538 million[3], resulting in adjusted diluted earnings per share of $0.60[3] - Total revenue remained stable at $1,905 million[3] - Pre-Tax Pre-Provision Income was $832 million[3] - The efficiency ratio was 560%[3] - Return on Average Tangible Common Equity was 1934% on a reported basis and 1948% on an adjusted basis[3] Loan and Deposit Trends - Average loans remained stable, while ending loans grew by 1%[8] - Average deposits increased over 1%[22] - Pipelines are up 17% YoY and commitments are up 1%[8] Net Interest Income (NII) and Margin (NIM) - NII increased by 5% QoQ, and NIM increased 13bps to 365%[27] - Expect 2025 NII to grow between 3-5%[31] Non-Interest Income and Expense - Adjusted non-interest income increased 5%[36] to $646 million[33] - Non-interest expense increased 3%[40] to $1,073 million[38] - Expect FY25 adjusted non-interest income to grow between 25-35%[36]

Ally Financial Inc. 2Q 2025 Earnings Review July 18, 2025 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com 2Q 2025 Preliminary Results Forward-Looking Statements and Additional Information This presentation 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 ...

Financial Performance - GAAP EPS was $0.34, including a $0.04 impact from a $58 million decrease in pre-tax earnings due to securities repositioning and Notable Items that decreased pre-tax earnings by $3 million[27] - ROTCE was 16.1%, or 17.6% on an adjusted basis[21] - Total revenue (FTE) grew by 8% YoY[29] - Pre-Provision Net Revenue (PPNR) grew by 8% YoY, or 15% on an adjusted basis[29] Loan and Deposit Growth - Average loans increased by $2.3 billion QoQ, representing a 1.8% increase[27] - Average loans increased by 7.9% YoY[20] - Average deposits increased by $1.8 billion QoQ, representing a 1.1% increase[27] - Average deposits increased by 6.4% YoY[20] Capital and Credit Quality - Tangible book value per share grew by 16% YoY[20] - Adjusted CET1 increased by 40bps over the last 4 quarters[21] - Net charge-offs were 0.20%[20] - Uninsured deposit coverage was 2x[20] Strategic Initiatives - Consumer primary bank relationship (PBR) grew by 4% YoY, and business PBR grew by 6% YoY[21] - Key Strategic Fee areas grew by 11% YoY[21] - The company announced the acquisition of Veritex in Texas[21]

Contents 2Q 2025 Investor Presentation | | Page | | --- | --- | | Disclosure | 2 | | Performance Metrics | 3 | | Differentiating Factors | 7 | | Loans and Deposits | 12 | | Modern Banking in Motion Digital Transformation | 21 | | Selected Financial Information and Guidance | 24 | 1 Disclosure This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward- looking statements include but are not limited to the Company's f ...

2025 Second Quarter Earnings (unaudited) Bill Brown Anurag Maheshwari Chief Financial Officer Chinmay Trivedi Senior Vice President, Investor Relations and Financial Planning & Analysis Chairman and CEO Forward-looking statements This document contains forward-looking statements. You can identify these statements by the use of words such as "plan," "expect," "aim," "believe," "project," "target," "anticipate," "intend," "estimate," "will," "should," "could," "would," "forecast," "future," "outlook," "guidan ...

Key Performance Highlights - Core Net New Assets (NNA) reached $80.3 billion in 2Q25, a 31% increase compared to 2Q24's $61.2 billion[8, 17] - Year-to-date (YTD) core NNA totaled $218.0 billion, up 39% versus the prior year[8] - The company opened 1.1 million new brokerage accounts, bringing the total client accounts to 45.2 million[8, 17] - Daily Average Trades (DATs) were 7.6 million, and margin balances stood at $83.4 billion[8] Financial Results - Second quarter GAAP Earnings Per Share (EPS) reached a record of $1.08, with an adjusted EPS of $1.14[8] - Total net revenues for 2Q25 increased by 25% year-over-year to $5.9 billion[8, 22] - Net Interest Revenue (NIR) grew by 31% compared to 2Q24[44] - Asset Management and Administration Fees (AMAF) increased by 14% compared to 2Q24[44] - Trading revenue increased 23% due to higher trading volumes[44] - The company's adjusted pre-tax profit margin expanded to 50.1% in 2Q25[42, 48] Balance Sheet and Capital Management - Bank Supplemental Funding was reduced by approximately $10 billion from 1Q25 to approximately $28 billion[42] - The company redeemed approximately $2.5 billion of Series G preferred stock[57] - The company repurchased 3.9 million shares of common stock for $351 million[57]

Financial Performance - Revenue growth was 9%, reaching $17.856 billion, compared to $16.333 billion in the prior year [7] - Adjusted EPS increased by 17% to $4.08, up from $3.49 in Q2'24, excluding the Accertify gain [5, 7] - Net income decreased by 4% to $2.885 billion [7] - The company reaffirmed its full-year guidance of 8-10% revenue growth and $15.00-$15.50 EPS [5] Billed Business - Total billed business grew by 7% year-over-year (FX-adjusted) [9] - U S Consumer Services billed business also increased by 7% year-over-year [12] - International Card Services billed business grew by 12% year-over-year (FX-adjusted) [17] - Commercial Services billed business increased by 2% year-over-year (FX-adjusted) [14] Credit Metrics - The net write-off rate for Card Member Loans was 2.2% [67] - The net write-off rate for Card Member Receivables was 1.4% [67] - Total provision increased by 11% year-over-year, driven by a larger net reserve build and higher net write-offs [77] Capital and Guidance - The company's CET1 ratio was 10.6% [53] - The company projects an EPS of $15.00 - $15.50 for 2025 [56]

Financial Performance - Net income available to common shareholders increased by 121% linked-quarter to $1307 million or $036 per diluted common share[10] - Revenue grew by 65% linked-quarter driven by record net interest income and non-interest income[10] - Pre-provision net revenue totaled $1920 million a 165% increase from the prior quarter[10] Balance Sheet and Asset Quality - Average total loans and leases increased by $4517 million or 53% annualized linked-quarter[10] - Average total deposits increased by $1556 million or 17% annualized linked-quarter with non-interest-bearing deposits stable at 26% of total deposits[10] - The ratio of non-performing loans and OREO to total loans and OREO decreased 14 basis points to 034% from the prior quarter[10] - Allowance for Credit Losses totaled $4321 million or 125% of loans stable with the prior quarter[10] Capital and Shareholder Returns - Record tangible book value of $1114 per share with year-over-year growth of $126 or 128%[10] - Record capital metrics CET1 ratio of 108% and tangible common equity to tangible assets of 85%[10] - The company repurchased 07 million shares of common stock at a weighted average share price of $1385 during the second quarter of 2025[10] Guidance - The company expects mid-single-digit growth for both spot loans and spot deposits[65]

Financial Performance - Adjusted net income reached $56.1 million, with adjusted diluted EPS at $0.44[11] - Net interest margin surpassed 3%, reaching 3.06%, an increase of 11 bps linked quarter and 37 bps year-over-year[11] - Total revenue exceeded $214 million, while adjusted PPNR totaled $77.3 million[11] Balance Sheet - Total assets amounted to $26.7 billion[3] - Total deposits stood at $21.8 billion[3] - Total loans reached $17.1 billion[3] Credit Quality - The ACL ratio remained at 1.48%, consistent with 1Q25 levels[11] - Net charge-offs were reported at 25 bps in 2Q25[11] Capital Ratios - Total RBC Ratio was 14.4%[3] - TCE Ratio was 8.5%[3]

Comerica Incorporated Second Quarter 2025 Financial Review July 18, 2025 Safe Harbor Statement This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as "achieve," "anticipate," "assume," "believe," "could," "deliver," "drive," "enhance," "estimate," "expect," "focus," "future," "goal," "grow," "guidance," "intend," "may," "might," "plan," " ...