First Citizens BancShares Results Presentation Deck

Agenda Section I - Third Quarter Overview & Business Update Section II - Third Quarter 2023 Financial Results Financial Highlights Earnings Highlights Net interest income, margin and interest rate sensitivity Noninterest income and expense Balance Sheet Highlights Loans and Leases Deposits and Funding Mix Allowance and Credit Quality Trends Capital Section III - Financial Outlook Section IV-Appendix Section V-Non-GAAP Reconciliations First Citizens BancShares Pages 4 - 9 10 - 32 11 - 12 13 14 - 17 18 - 20 21 22-23 24 - 26 27 - 31 32 33 - 34 35 - 50 51 - 56 2

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