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Investor Presentaiton

Ares Commercial Real Estate Corporation (ACRE) Real Estate Investment Trust with Broad Product & Extensive Credit Capabilities ①ARES Diversified Portfolio of Primarily Senior Floating Rate Loans COMMERCIAL REAL ESTATE CORPORATION Direct Origination of Value-Add, Floating Rate Commercial Mortgage Loans Opportunities for Continued Growth 99% senior loans 64 $1.0 billion 2.5x loans across diversified portfolio in originations YTD, on track for record year Debt to Equity ratio with a target of 3.0x $2.4 billion outstanding principal balance Focused on multifamily, office and industrial properties Strengthened by Ares Management Sponsorship 195+ $282 billion ARES AUM ARES real estate investment professionals 26% Decline in G&A expenses benefitting from increase in scale¹ Well positioned to benefit from material increase in short term interest rates Historical Record of Attractive Performance > 100% dividend coverage from Distributable Earnings² ~5 years 9.8% Dividend yield on book value per diluted common share³ $37 billion ARES Real Estate Group AUM Scaled global real estate team with deep sector experience 33% of stable and increasing dividends4 Portfolio growth year-over-year Track record of generating strong returns to shareholders As of September 30, 2021, unless otherwise noted. Past performance is not indicative of future results. There is no guarantee or assurance investment objectives will be achieved. Diversification does not ensure profit or protect against market loss. 1. 2. 3. 4. From FY 2019 to Q3-21 LTM period. Calculated as period G&A expenses and management fees divided by equity. Full dividend coverage since 2017. Beginning in Q4 2020, the non-GAAP financial measure of Core Earnings was renamed to Distributable Earnings. See page 25 for Distributable Earnings definition and page 23 for Reconciliation of Net Income to Non-GAAP. 3 There is no assurance that dividends will continue at these levels or at all. Based on annualized Q3-2021 declared normal and supplemental dividend of $0.35/share. There is no assurance that dividends will be paid at historical levels or at all. ARES COMMERCIAL REAL ESTATE CORPORATION
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