Fourth Quarter Highlights

Loan Growth ($ in millions) $22,000 $19,800 $17,600 100.0% $20,247 $18,845 $18,616 $18,840 92.5% $2,842 $741 $1,553 $1,776 85.0% $15,400 77.5% $77.9% $13,200 74.0% 70.0% 66.0% 71.5% 60.5% $11,000 $10,370 $9,244 $9,439 $9,622 $10,021 62.5% $8,800 $7,775 60.1% 56.2% 63.6% 54.7% 63.4% 55.0% $6,600 $5,180 52.2% 53.4% 55.6% 50.8% 47.5% 44.5% $4,400 40.0% $2,200 32.5% $0 25.0% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 14 Source: Company Documents Loans (Excluding Warehouse Purchase Program) Warehouse Purchase Program (WPP) -- Loan / Deposit Ratio (Excluding WPP) Loan / Deposit Ratio (Including WPP) PB LISTED NYSE

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