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Speed Matters - Website Is the New Storefront

Non-Interest Income Diverse sources of Non-Interest Income provide steady growth and balance our revenue profile Non-Interest Income for Quarter-Ended 9/30/2022 Loan Fees 8% Other Income Other Income includes: • BOLI income Rental income • Gains on property sales 46% WAFD Insurance Income Deposit Fees 46% • Income on equity method investments 11% Non-Interest Income / Total Loan Revenue 9% 11% 16% 12% 10% Non-Interest Income Over Time ($MM) $10.1 $30.7 $28.6 $33.2 milu ulu FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 $23.3 $23.2 $14.7 $24.1 $23.7 $24.7 $25.9 $22.6 $25.9 $24.9 29 $4.3 FY 2017 $3.8 $3.9 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 $7.3 $6.9 $7.2 WaFd Bank ■Loan Fees Gain on Sale of Investments ■Deposit Fees ■Gain on Sale of Buildings Other Income 27

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