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Speed Matters - Website Is the New Storefront

Strong Credit Quality Strong Credit Quality Characterized by Limited Charge-Offs Net Recoveries since 2013 total $74.8 million The Bank continues to work $50 million of loans previously charged off 9 Consecutive years of Net Recoveries Net Loan Charge-offs (Recoveries) For Fiscal Year End 9/30 2.08% 1.21% 0.91% 0.24% (0.19%) FY 2014 FY 2013 (0.7 (0.06%) FY 2015 (0.14%) FY 2016 FY 2010 FY 2011 FY 2012 FY 2017 (0.10%) FY 2018 (0.03%) FY 2019 FY 2020 (0.02%) FY 2021 FY 2022 Source: SNL Financial, Company Filings 1 Peers represent Proxy Peers as specified in the Company's latest Proxy Statement WaFd Bank Average NCOs Per Year - Last 20 Years 0.26% 0.44% WAFD Peer Average (1) 17

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