Fourth Quarter Investor Presentation
Minimal Exposure to Leveraged Lending
All Other
97.5%
Loan Portfolio Composition
Leveraged
2.5%
Industry Classification of Outstandings
Professional, Scientific,
and Technical
Other
10%
5%
Information 5%
Manufacturing
39%
Highlights
$3.1 billion, or 2.5% of total loan balances, with a defined
portfolio concentration limit
HNB leveraged defined as: Senior leverage 3.0x, total leverage
4.0x
The portfolio is built around our relationship strategy with a
limited sponsor calling component
Underwritten and stress tested for performance in higher rate
scenarios
73% of leveraged portfolio are classified as SNC's
Retail Trade
6%
Real
Estate
8%
8%
9%
10%
Wholesale Trade
Administrative
Accommodation and
Food Services
2023 Fourth Quarter Investor Presentation | 45
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