Investor Presentaiton
Net Interest Margin Components
Average Balances
FY 2022
FY 2023
Q1'22
Q2'22
Q3'22
Q4'22
Q1'23
Q2'23
Q3'23
Q4'23
SoFi 8
Total interest-earning assets
Interest-bearing deposits
$8,666,475 $9,374,928 $10,723,022 $14,103,767
$17,239,960
$20,357,082 $22,856,717 $25,698,397
Debt
Total interest-bearing liabilities
442,901 1,828,318 3,790,272 5,912,048
4,903,418 4,284,366 3,658,266 4,953,403
$5,428,981 $6,174,072 $7,497,432 $10,902,089
8,592,140
5,425,245
$14,033,686
11,072,832 14,015,675
5,755,893
5,591,691
$16,841,740 $19,618,110
16,937,363
5,454,830
$22,401,385
Interest Income/Expense
Total interest-earning assets
$117,919
$149,284
$197,151
$308,170
$371,450
$469,996
$564,270
$645,237
Interest-bearing deposits
431
Debt
21,027
Total interest-bearing liabilities
$22,986
4,543
21,012
$26,592
14,149
25,019
$40,072
40,670
57,784
$98,708
73,116
62,183
$135,440
106,529
72,341
$178,870
145,563
73,744
$219,307
182,612
72,984
$255,596
Average Rate
Total interest-earning assets
5.44%
6.37%
7.35%
8.74%
8.62%
9.26%
9.79%
9.96%
Interest-bearing deposits
0.39%
0.99%
1.49%
2.75%
3.40%
3.86%
4.12%
4.28%
Debt
1.72%
1.96%
2.74%
4.67%
4.58%
5.04%
5.23%
5.31%
Total interest-bearing liabilities
1.69%
1.72%
2.14%
3.62%
3.86%
4.26%
4.44%
4.53%
NIM
4.38%
5.23%
5.86%
5.94%
5.48%
5.74%
5.99%
6.02%
Note: See "Footnotes" section for detailed explanations and definitions. 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.
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