Investor Presentaiton

Net interest margin 59 RAYMOND JAMES BANK NET INTEREST MARGIN 3.32% 3.22% 3.04% 3.10% 2.63% 1.95% 1.97% FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FYTD 2022 Note: FYTD 2022 includes first two quarters of fiscal year 2022. RAYMOND JAMES

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