Q4 2020 Investor Presentation

Regulatory Capital Ratios TIER 1 LEVERAGE RATIO (1) 12.0% 11.0% 11.0% 10.0% 9.0% 9.6% 9.2% 9.1% 8.8% 8.0% 7.0% 6.0% 5.0% 4.0% 2016 2017 2018 2019 2020 16.0% TIER 1 RISK-BASED CAPITAL RATIO(1) CET1 CAPITAL RATIO(1) 14.0% 9.5% Excluding PPP Loans (2) 13.0% 13.5% 13.4% 12.0% 11.0% 10.9% 10.0% 10.2% 9.0% 9.8% 8.0% 7.0% WELL 6.0% CAPITALIZED 5.0% 5.0% 4.0% 2016 2017 2018 2019 2020 6.0% 10.2% 9.8% 8.0% 10.0% 12.0% 14.0% 14.5% יוון 10.9% 13.4% 4.0% 2016 2017 2018 2019 2020 (1) As of December 31. 18.0% 16.0% 15.1% 14.0% 12.0% WELL 10.0% CAPITALIZED 8.0% 8.0% 6.0% TOTAL RISK-BASED CAPITAL RATIO(1) 11.4% 13.7% 13.4% 16.8% 4.0% 2016 2017 2018 2019 2020 $ (2) Figures excluding PPP loans are non-GAAP measurements. See Appendix for non-GAAP reconciliations. WELL CAPITALIZED 6.5% WELL CAPITALIZED 10.0% 12

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