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Speed Matters - Website Is the New Storefront

Non-Interest Expense Over Time Annual and Quarterly - Expenses in millions Annual Quarterly 70.0% $400,000 $100,000 59.3% 58.8% 59.0% $90,000 57.1% 62.1% 60.6% 59.0% 59.0% 56.8% 57.7% $350,000 60.0% 52.1% 54.3% $80,000 50.4% 50.8% $300,000 49.5% 47.8% 50.0% 46.9% $70,000 $250,000 35.0% $200,000 41.0% $60,000 40.0% $50,000 30.0% $40,000 $150,000 $30,000 20.0% $100,000 $20,000 10.0% $10,000 $50,000 $0 0.0% $0 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 Other expense Occupancy Compensation - Efficiency Ratio Dec-19 Mar-20 Other expense Jun-20 Sep-20 Dec-20 Occupancy Mar-21 Jun-21 WaFd Bank 58.6% 58.7% 70% 51.6% Sep-21 Compensation Dec-21 Mar-22 Jun-22 Sep-22 60% 50% 49.5% 40% 30% 20% 10% 0% 90 Efficiency Ratio

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