Investor Presentaiton
Scalable, Differentiated Deposit Franchise
Diversified funding channels provide secular growth trends and reflect long-
term relationships
1Q23 Deposit Base
1Q23 Deposit Composition
22%
14%
■Nonint. Bearing DDA
■MMDA & Savings
■Regions
1%
12%
35%
Interest Bearing DDA
■CDs
■Mtg WH
7%
Tech & Innov.
THOA
~48% of NIB DDAS
are ECR-related
15%
Sttlmt Svcs
■Bus. Escrow Svcs
29%
Other
10%
20%
$47.6 billion
Deposits, Borrowings, and Cost of Funds
35%
•
Highlights
•
$47.6 billion in total deposits as of 3/31
typically tied to lending relationships
•
•
> $2 billion of Q2 QTD deposit growth
WAL benefits from holding
customer's primary relationship
Scalable national funding channels, such
as HOA, Settlement Services, Business
Escrow Services, and Tech & Innovation
Core deposits fund balance sheet growth
98% Loan-to-Deposit ratio as of 3/31
• 94% Loan-to-Deposit ratio as of 5/12
35% of total deposits are noninterest-
bearing (~48% Earnings Credit Rate-related)
ECR-related deposit balances of $13.4 bn
2.27%
0.39% 0.36% 0.30% 0.31%
0.37%
0.64%
0.86%
0.34% 0.25%
0.80%
Spot Rate
2.76%
·
$7.2
$2.4
$16.7
24.3%
•
$19.7
$1.0
$16.5
CAGR
$21.3
$0.4
$0.8
$0.9
$13.4
$0.5
$0.5
$0.4
$0.4
$8.5
$22
$23
$4.1
$5.6
$7.4
$7.5
$33.9
$26.3
$31.1
$6.6
$7.9
$8.9
$9.5
$11.7
$14.3
$18.5
20.3%
CAGR
$5.6
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
1Q23
Non-Interest Bearing Deposits
Total Borrowings
Cost of Funds
Interest Bearing Deposits
Dollars in billions
WA
Western Alliance
Bancorporation®
·
~59% associated with non-interest
bearing accounts
Note: Borrowings include customer repurchase agreements; Cost of Funds defined as total expense paid on interest bearing liabilities divided by the sum of average interest-
bearing liabilities and average non-interest bearing demand deposits.
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