First Citizens BancShares Results Presentation Deck

Quarter-to-Date Earnings Highlights ($ in millions) Net interest income Noninterest income Net revenue Reported Noninterest expense Pre-provision net revenue Provision for credit losses Income before income taxes Income taxes Net income Preferred stock dividends Net income available to common stockholders Adjustment for notable items Noninterest income Noninterest expense Provision for credit losses Income taxes Adjusted (Non-GAAP) Net interest income Noninterest income Net revenue Noninterest expense Pre-provision net revenue Provision for credit losses Income before income taxes Income taxes Net income Preferred stock dividends Net income available to common stockholders First Citizens BancShares $ $ $ $ $ 3Q23 1,990 $ 615 2,605 1,416 1,189 192 997 245 752 15 737 $ 3Q23 (147) $ (284) 3Q23 3 58 1,990 468 2,458 1,132 1,326 195 1,131 303 828 $ 15 813 $ QTD 2Q23 1,961 $ 658 2,619 1,572 1,047 151 896 214 682 15 667 $ 2Q23 (196) $ (370) 1 75 QTD 2Q23 1,961 462 2,423 1,202 1,221 152 1,069 289 780 15 765 $ $ 3Q22 795 433 1,228 760 468 60 408 93 315 12 303 3Q22 (145) (183) 3Q22 15 795 288 1,083 577 506 60 446 108 338 $ 12 326 $ $ 2Q23 29 (43) (14) (156) 142 41 $ 101 31 70 0 70 2Q23 29 6 35 (70) 105 43 62 14 48 0 48 Increase (decrease) % 1.5 % $ (6.6) (0.5) (10.0) 13.6 27.3 11.4 14.8 10.3 3.8 10.5 % $ % 1.5% $ 1.3 1.4 (5.9) 8.6 Increase (decrease) 28.5 5.9 4.9 6.3 $ 3.8 6.3 % $ 1,195 182 3Q22 1,377 656 $ 721 132 589 152 437 3 434 3Q22 1,195 180 1,375 555 820 135 685 195 490 3 487 % 150.4 % 42.2 112.1 86.4 154.1 226.2 144.2 162.6 138.7 24.9 143.3 % % 150.4 % 62.4 127.0 96.0 162.1 230.8 153.4 181.6 144.4 24.9 148.9 % Note - Adjusted amounts exclude notable items. Refer to the Non-GAAP Section V of this presentation for notable item details and a reconciliation of the Non-GAAP to GAAP measures. 13

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