Investor Presentaiton

Loans Deposits Pro Forma Loan and Deposit Composition WAFD LBC Pro Forma(1) Multifamily 16.1% Consumer & Other 2.5% C&D 13.6% NOO CRE 15.8% $16.3B C&I 10.8% OO CRE 5.5% Yield on Loans: 4.36% Retail Time Res. RE 35.7% Jumbo Time 2.7% Non-interest Bearing 21.0% 17.8% MMDA & Sav. 0.2% $16.0B Multifamily 65.6% Retail Time 26.4% NOW & Other 58.4% Consumer & Other 0.0% C&D 0.3% Res. RE 31.5% Multifamily 30.8% $6.9B OO CRE 0.0% NOO CRE 2.7% NOO CRE 11.8% Yield on Loans: 3.70% Jumbo Time 18.4% Non-interest Bearing NOW & Other 2.5% 3.5% $5.8B Cost of Deposits: 0.42% Source: S&P Global. Loan and deposit data per FR Y-9Cs for the quarter ended 9/30/2022. Does not include purchase accounting adjustments. Cost of Deposits: 0.98% (1) WaFd Bank Consumer & Other 1.8% C&D 9.6% C&I 7.6% $23.1B Res. RE 34.5% OO CRE 3.9% Yield on Loans: 4.16% Jumbo Time 6.8% Non-interest Bearing 16.1% Retail Time 20.1% $22.0 MMDA & Sav. 49.1% MMDA & Sav. 13.2% NOW & Other 43.8% Cost of Deposits: 0.57% 12

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