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Investor Presentaiton

Strong capital ratios 30% Total Capital Ratio* Peer 1 25% 20% Peer 5 Peer 4 Peer 2 15% Peer 3 10% 5% 4% 5% Regulatory Requirements to be Well Capitalized 6% 7% 8% RJF Target RJF Peer 6 9% 10% 11% 12% Tier 1 Leverage Ratio** Note: Sourced from publicly available information as of March 31, 2022. *Total Capital Ratio is equal to Total Capital divided by risk weighted assets (as defined by 79 regulations). **Tier 1 Leverage Ratio is equal to Tier 1 Capital divided by average total assets (as defined by regulations). RAYMOND JAMES

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