Investor Presentaiton

Insured Deposits* Focused Efforts to Drive Increased Deposit Liquidity Deposit-led growth driving loan-to-deposit ratio to mid-80s Insured Deposits vs. Loan / Deposit Ratio for Top 50 Banks by Assets 85% 80% WAL¹ WBS ASB FNB 75% SFNC UCBI RF SNV GBCI FIBK PACW CADE PB WTFC ONB VLY 70% FULT HBAN CFG CBSH UBSI OZK PNFP NYCB COLB KEY HWC 65% TFC SSB BKU FITB 60% ABCB FHB FHN EWBC MTB UMBF ZION BOKF PNC 55% FCNC.A CMA TCBI WFC 50% USB BAC CFR BPOP JPM 45% 100% 90% 80% 70% 60% 50% 40% Loan-to-Deposit Ratio WA Western Alliance Bancorporation® Highlights WAL prioritizes core client relationships to fulfill customers' holistic banking needs • Controlling growth by emphasizing deposit relationships has lowered the HFI • Loan/Deposit ratio from ~98% as of March 31 to 94% as of May 12 WAL has the highest insured deposit percentage among the top-50 largest U.S. banks ⚫WAL has successfully retained deep- rooted relationships and those for which we offer proprietary, integrated treasury management technology • Of depositors, ~85% have multiple products (deposits, TM, loans) 1) Insured Deposit % as of March 31, 2023, except for WAL, which is as of May 12, 2023. Deposit insurance includes direct, collateralized, pass-through, and insured networks WAL Loan-to-Deposit % uses HFI Loans Source: S&P Global Market Intelligence, 1Q23 company earnings presentations, and 1Q23 Call Reports | 11

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