Fourth Quarter Highlights

Net Interest Margin 3.90% 6 3.70% 3.58% 3.53% 3.50% 3.35% 3.30% 3.10% 2.90% 2.70% 3.80% 3.64% 3.38% 3.35% 3.29% 3.20% 3.32% 3.30% 3.19% 3.18% 3.18% 3.16% 3.13% 3.12% 3.09% 3.14% 3.05% 3.00% 3.04% 3.02% 2.98% 2.97% 2.91% 2.50% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 4Q21 4Q22 Source: Company Documents Net Interest Margin (Tax Equivalent) Net Interest Margin (Excluding Purchase Accounting Adjustments) PB LISTED NYSE

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