Vision 2025
Non-Interest Expense Over Time
Annual and Quarterly - Expenses in millions
Annual
Quarterly
$400,000
70.0%
$100,000
70%
58.7%
49.5%
58.8%
59.3% 57.7% 62.1%
58.6%
59.0%
$90,000
60.6% 59.0% 59.0%
51.6%
$350,000
56.8%
60.0%
60%
52.1%
54.3%
$80,000
50.4%
50.8%
$300,000
49.5%
47.8%
46.9%
50.0%
$70,000
$250,000
41.0%
$60,000
50%
46.8%
40%
40.0%
35.0%
$50,000
$200,000
30%
30.0%
$40,000
$150,000
$30,000
T
T
20%
20.0%
$100,000
$20,000
10%
10.0%
$10,000
$50,000
$0
60
$0
0.0%
FY12
FY13 FY14 FY15 FY16 FY17 FY18 FY19
FY20
FY21 FY22
Other expense
Occupancy
Compensation
Efficiency Ratio
WaFd Bank
Dec-19
Mar-20
Other expense
Jun-20
Sep-20
Dec-20
Mar-21
Jun-21
Sep-21
Dec-21
Compensation
Mar-22
Jun-22
Sep-22
Dec-22
Occupancy
0%
.....
Efficiency RatioView entire presentation