PitchSend

Vision 2025

Deposit Trends Shifting away from time deposits in favor of transaction accounts. Checking accounts now make up 44%. As of 12/31/2012 In Millions 18,000 Transaction Accounts Time Deposits Time Deposits $5,662 61% 16,000 Transaction Accounts WTD Rate $3,572 14,000 T 39% 12,000 As of 12/31/2022 10,000 8,000 Time Deposits $3,4128 21% 6,000 Transaction Accounts 4,000 $12,548 79% Core Deposits = 95.2% of Total WaFd Bank 2,000 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 5.00% 4.50% 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 20

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