Investor Presentaiton
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Growth, Growth & Diversification
Our "Growth, Growth &
Diversification" strategy allows us to
capitalize on the unique strengths and
expertise of RESG, while continuing to
ramp up growth in other lending
teams contributing to long-term
portfolio diversification.
Growth in RESG - We want to
continue to grow our RESG portfolio.
Growth in Other Portfolios - We also
want to continue to achieve greater
portfolio diversification through
growth in our Community Banking,
Indirect RV & Marine, CBSG and ABLG
We want to continue to enhance long-term loan portfolio diversification while not
limiting RESG's excellent loan growth potential.
Even as our outstanding balance of
RESG loans has continued to reach
record levels in recent quarters,
RESG's percentage of our total non-
purchased loans has declined from
a peak of 70% at year-end 2016 to
63% as of September 30, 2023.
December 31, 2016
2%
1%
1%
26%
70%
September 30, 2023
11%
4%
2%
20%
63%
RESG
Community Banking
â– Leasing
Indirect RV & Marine
CBSG / CLSG
ABLG
$30,000
portfolios. We have good momentum
$25,000
with each of those teams.
$20,000
Diversification - While RESG's
percentage of our total loans may
increase in the near term due to a
$15,000
combination of factors, including
funding of RESG's record 2022 level of
$10,000
originations and slower loan
repayments in the current high-
$5,000
interest rate environment, we expect
to achieve greater portfolio
diversification in future years.
3Q23
2Q23
1Q23
4Q22
3Q22
2Q22
1Q22
4Q21
3Q21
2Q21
1Q21
4Q20
3Q20
1Q20
2Q20
4Q19
3Q19
2Q19
1Q19
4Q18
3Q18
2Q18
1Q18
4Q17
3Q17
2Q17
1Q17
4Q16
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