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Investor Presentaiton

Consolidated Balance Sheets ($ in thousands, except share and per share data) ASSETS As of 9/30/2021 12/31/2020 Cash and cash equivalents $ 15,787 $ 74,776 Loans held for investment ($1,135,660 and $550,590 related to consolidated VIES, respectively) Current expected credit loss reserve 2,363,499 1,815,219 (22,691) (23,604) Loans held for investment, net of current expected credit loss reserve 2,340,808 1,791,615 Real estate owned, net 36,695 37,283 Other assets ($2,524 and $1,079 of interest receivable related to consolidated VIES, respectively; $47,618 and $6,410 of other receivables related to consolidated VIES, respectively) 73,395 25,823 $ 2,466,685 $ 1,929,497 Total assets LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES Secured funding agreements Notes payable Secured term loan Collateralized loan obligation securitization debt (consolidated VIES) Secured borrowings Due to affiliate Dividends payable Other liabilities ($549 and $391 of interest payable related to consolidated VIES, respectively) Total liabilities Commitments and contingencies STOCKHOLDERS' EQUITY Common stock, par value $0.01 per share, 450,000,000 shares authorized at September 30, 2021 and December 31, 2020 and 47,001,821 and 33,442,332 shares issued and outstanding at September 30, 2021 and December 31, 2020, respectively Additional paid-in capital Accumulated other comprehensive income Accumulated earnings (deficit) Total stockholders' equity Total liabilities and stockholders' equity 21 $ 656,014 $ 755,552 47,381 61,837 60,000 110,000 940,133 443,871 59,962 59,790 3,947 3,150 16,523 11,124 9,982 11,158 1,793,942 1,456,482 464 $ 701,370 19 (29,110) 672,743 2,466,685 329 497,803 (25,117) 473,015 $ 1,929,497 ARES COMMERCIAL REAL ESTATE CORPORATION
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