Ready Capital Investor Presentation Deck

Historical Performance Net Income²: Distributable Earnings ²: Distributable Earnings per Share: 120% 100% 80% 60% 40% 20% TOTAL SHAREHOLDER RETURN 0% -20% -40% 2Q 2021 3Q 2021 Nov-16 $30.9 $41.4 $0.52 Q4'16 $46.5 Q1'17 $49.4 $0.64 Q2'17 Q3'17 4Q 2021 1Q 2022 Q4'17 $53.6 $52.5 $0.67 Q1'18 Q2'18 $64.3 $48.9 $0.52 Q3'18 1. As of quarter end market prices 2. In millions 3. Excludes the equity component of our 2017 convertible note issuance Q4'18 Q1'19 Dividends per Share: Dividend Yield on Market Price ¹: Book Value per Share³: Q2'19 Q3'19 Q4'19 2Q 2021 $0.42 10.59% $14.87 Q1'20 Q2'20 3Q 2021 $0.42 11.64% $15.06 Q3'20 Q4'20 Q1'21 READY CAPITAL. 4Q 2021 $0.42 10.75% $15.35 Q2'21 Q3'21 1Q 2022 $0.42 11.16% $15.22 Q4'21 Q1'22 34

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