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Investor Presentaiton

WELL-POSITIONED FOR POTENTIAL RISING RATE ENVIRONMENT LC With large floating-rate balance sheet loan portfolio and predominantly fixed-rate liabilities, earnings are positively correlated to rising interest rates Estimated Annual Increase in Net Interest Income per Share $0.22 $0.18 $0.14 $0.10 $0.07 $0.03 Increase in LIBOR of: 25 bps 50 bps 75 bps 100 bps 125 bps 150 bps ✓ 86% of loan portfolio comprised of floating-rate loans with interest rate floors ✓ 62% of debt obligations are fixed-rate, including $1.6 billion of unsecured corporate bonds Note: As of 09/30/2021 LADDER CAPITAL 15

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