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Vision 2025

WaFd Bank Net Loan Portfolio Average Current LTV As of December 31, 2022 $ In Thousands Current Average % with Current Avg LTV when Net Balance % of Loans LTV LTV >75% above 75% Multifamily CRE Office 2,683,435 16% 49% 4% 82% 840,578 5% 52% 6% 76% CRE -Other 2,345,349 14% 44% 2% 79% CRE Construction - Multifamily 993,310 6% 52% 3% 86% CRE Construction - Other 618,056 4% 39% 9% 78% C&I 2,557,393 15% ΝΑ SFR 5,942,203 35% 55% 19% 79% SFR Custom Construction 405,063 2% 61% 24% 79% Other 608,201 4% NA 16,993,588 100% 118

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