Investor Presentaiton

Interest Margin Remains Under Pressure Basis Points Decline in margin on total assets · Increase in non-interest earning assets Decline in margin on interest-earnings assets Represented by: . • Advances pricing and composition • Endowment impact on capital • • Deposit pricing and composition Cost of wholesale funding · Hedging activities . Other Margin Compression 35 (15) 20 20 3 7 2 (16) (14) (2) 14

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