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Investor Presentaiton

Building Capital and Delivering for Shareholders $40.35 $34.50 $45.00 E BVPS ■ TBVPS $40.00 $35.00 Book Value $30.00 and Tangible $25.00 Book Value $20.00 Per Share * $15.00 $8.34 $8.07 $10.00 (Period end) $5.00 $- 3Q23 3Q22 3Q21 3Q20 3Q19 3Q18 3Q17 3Q16 3Q15 3Q14 3Q13 Common We have increased our common stock cash dividend in each of the last 53 quarters and every year since our IPO in 1997. We expect to continue to increase our common stock cash dividend in future quarters. $1.50 Dividend $1.25 Payments and Stock $1.00 Repurchase $0.75 Program $0.50 $0.25 is $0.19 $0.25 $0.36 $0.47 $0.55 $0.63 $0.71 $0.80 2015 $0.94 $1.0775 $1.1325 $1.26 $0.93 $1.05 2020 2021 2022 9M22 9M23 Over the last 10 years, we have increased book value and tangible book value per common share by a cumulative 384% and 328%, respectively, resulting in compound annual growth rates of 17.1% and 15.6%, respectively. As of September 30, 2023, our book value and tangible book value per share were $40.35 and $34.50, respectively. Stock Repurchase Program Details At September 30, 2023, our current stock repurchase program had $133.5 million authorization remaining, as we did not repurchase any shares during the quarter just ended. During the first nine months of 2023, we repurchased 4.3 million shares for $151.5 million, which equates to a weighted average cost of approximately $35.19 per share. • The market price of our shares will likely be the primary factor in the timing and volume of additional stock repurchases, if any, between now and the November 9, 2023 expiration of our current program. <> Bank OZK *Calculation of the Bank's tangible book value per common share, including the reconciliation to the most directly comparable GAAP financial measure is included in the schedule at the end of this presentation. Management believes presentation of the non-GAAP financial measures provides useful supplemental information that contributes to a proper understanding of the financial results and capital levels of the Bank. 34
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