Fourth Quarter Highlights

Return on Average Tangible Common Equity 40.00% 30.00% 20.00% 10.00% 24.24% 22.52% 21.93% 19.98% 16.95% 16.00% 15.06% 14.23% ($ in millions) $3,800 $2,850 19.83% $1,900 17.18% 16.26% 16.26% 15.94% $950 0.00% $0 (2) (1) (1) 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 4Q21 4Q22 ROATCE (1) Interim periods shown on an annualized basis 11 (2) Includes NOL tax benefit of $20.145 million related to the CARES Act Tangible Common Equity PB LISTED NYSE

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