Investor Presentaiton

Select Balance Sheet Information SoFi 8 Assets $ in thousands Cash & cash equivalents Restricted cash & cash equivalents Investments Securities Q4 23 $3,085,020 530,558 701,935 Personal loan warehouse facilities Liabilities, Temporary Equity and Permanent Equity Revolving credit facility Q4 23 $486,000 1,077,444 Student loan warehouse facilities 2,095,046 Risk retention warehouse facilities 67,038 Loans held for sale, at fair value Student loan securitizations 182,744 Personal loans $15,330,573 Personal loan securitizations 239,340 Home loans 66,198 Convertible Senior Notes 1,111,972 Loans held for investment, at fair value Student loans 6,725,484 Less: unamortized debt issuance costs and discounts Total Debt (26,168) $5,233,416 Loans held for investment Senior secured notes Credit card loans $446,463 272,628 Deposits $18,620,663 Commercial and consumer banking loans 117,068 Residual interests classified as debt 7,396 Total Loans $22,958,414 Accounts payable, accruals & other liabilities 549,748 Operating lease liabilities 108,649 Servicing rights Property, equipment and software Goodwill Intangible assets Operating lease right-of-use assets $180,469 Total Liabilities $24,519,872 216,908 1,393,505 364,048 Temporary Equity 89,635 Permanent Equity 320,374 5,234,612 Other assets Total Assets 554,366 $30,074,858 Total Liabilities, Temporary Equity & Permanent Equity $30,074,858 Note: The sum of individual metrics may not always equal total amounts indicated due to rounding. © 2023 Social Finance, Inc. Advisory services offered through SoFi Wealth LLC. SoFi MoneyⓇ is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS # 1121636. SoFi Bank, N.A., NMLS #696891. 24

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