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 IntelligenceView entire presentation