Investor Presentaiton
Acquisitions & Efficiency Ratio
($ in millions)
$35,000
$30,000
$32,186
$25,000
$21,508
$22,037
$22,331
$22,587
$22,693
46.3%
$20,000
44.8%
$18,642
43.5%
43.7%
48.3%
42.8%
42.5%
42.8%
°
41.6%
41.8%
41.9%
$15,000
$14,584
42.6%
$10,000
$8,850
$9,477
$9,823
$5,000
$0
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
% of Assets
Acquired
0.0%
1.6%
0.0%
23.7%
20.9%
11.2%
0.0%
2.5%
0.0%
0.0%
31.3%
6
Total Assets Excluding Acquisitions
Total Assets Acquired
(1)
Efficiency Ratio (2)
Efficiency Ratio (Excluding Merger Charges) (2)
Calculated by dividing total noninterest expense, excluding credit loss provisions, by net interest income plus noninterest income, excluding net gains and losses on the sale of assets
and securities. Additionally, taxes are not part of this calculation.
Source: Company Documents
(1)
Representative of target assets at closing
(2)
PB
LISTED
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