Answer
$ad-bc\neq 0$
Work Step by Step
See p.631, Multiplicative lnverse of a 2 $\times 2$ Matrix$:$
If $A=\left[\begin{array}{ll}
a & b\\
c & d
\end{array}\right]$, then $A^{-1}=\displaystyle \frac{1}{ad-bc}\left[\begin{array}{ll}
d & -b\\
-c & a
\end{array}\right]$.
The matrix $A$ is invertible if and only if $ad-bc\neq 0$.
If $ad-bc=0$, then $A $does not have a multiplicative inverse.