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Investor Presentaiton

6 Top Decile Efficiency Contributes to Capital Generation Track record of simultaneously driving industry-leading growth and efficiency Branch-light model and continued focus on expense management, while investing in growth initiatives and scalable infrastructure to be a leading nationwide banking platform 60.1% 58.8% 57.3% 56.5% 55.4% 54.7% 45.2% 43.2% 43.0% 43.2% 41.5% 41.7% 2015 2016 2017 2018 2019 Q1 2020 -O-WAL Peer Median WA Efficiency ratio for WAL and Peers as calculated and reported by SNL Financial / S&P Global Market Intelligence 15 Note: Peers consist of 56 publicly-traded banks with total assets between $15B and $150B, excludes companies headquartered in Puerto Rico, mutual holding companies, target banks of pending acquisitions, and the minority parties in pending MOEs as of March 31, 2020; S&P Global Market Intelligence
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