Investor Presentaiton

AVAILABLE LEVERAGE FOR POTENTIAL EARNINGS GROWTH Leverage to Return on Average Equity % (ROAE)" (1) 16% 14% 115.0% 140% 120% 102.6% 12% 101.8% 100.6% 95.5% 100% 87.0% 84.7% 10% 84.7% 72.9% 83.4% 8% 96.2% 93.0% 80% 77.6% 60% 6% 60.6% 62.0% 4% 2% 12.6% 12.0% 13.6% 15.4% 0% 2016 2017 2018 2019 ROAE GAAP Leverage 40% 20% 13.8% 0% Q4 2020 -Regulatory Leverage (2) Net Regulatory Leverage (3) (1) Source: S&P Capital IQ as of 12/31/20. Return on Average Equity based on NII. NII divided by average of beginning of period equity and end of period equity. (2) Excludes SBA (3) Excludes SBA and cash Xercules. CAPITAL 9

View entire presentation