2023 Fourth Quarter Investor Presentation
Commercial Real Estate (CRE) Overview
CRE Loans as % of Total Loans (1)
Peer Median: 15%
Peers at 3Q23
Peer 1
9%
Peer 2
9%
HBAN
10%
Peer 3
11%
Peer 4
14%
Peer 5
14%
Portfolio Characteristics
Well diversified portfolio with rigorous customer selection
CRE reserve coverage 3.8% vs peer median of 2% (2) (2Q23)
Office reserve coverage of >9%
Office portfolio at 1.6% of total loans, and predominately
suburban and multi-tenant
_
CRE Office maturities (% by year):
Peer 6
16%
Peer 7
20%
11%
20%
16%
21%
10%
22%
Peer 8
23%
$1.9
billion
FY23
FY24
FY25
FY26
Peer 9
Peer 10
33%
(4Q)
FY27 FY28 and
Beyond
34%
All Other
89.5%
Loan Portfolio Composition
See notes on Slide 61
CRE Diversification by Property Type (3Q23)
Property Type ($ in billions)
% of Total Loans
Multifamily
$4.6
3.8%
Industrial
2.1
1.7%
Office
1.9
1.6%
Retail
1.8
1.5%
Hotel
1.1
0.9%
CRE
10.5%
Other
1.2
1.0%
Total CRE
$12.7
10.5%
2023 Fourth Quarter Investor Presentation 44
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