2nd Quarter 2021 Investor Presentation
Credit Quality
$ in millions
ASSET QUALTY TRENDS
Nonperforming Loans / Loans
ACL/ALLL (1) / Loans (%) and ACL/ALLL ($)
3.33%
3.50%
$250
$225
3.00%
2.50%
$200
2.50%
1.85%
2.00%
2.00%
2.50%
$175
2.00%
1.68%
$150
1.50%
1.14%
1.44%
$125
1.05%
1.50%
0.96%
$100
1.00%
0.81%
0.63% 0.66%
1.00%
0.67% 0.65%
0.71%
$75
0.48% 0.46%
0.39%
$50
0.50%
0.50%
$25
$27 $29
$31
$36
$42
$57
$68 $238 $227
0.00%
$0
0.00%
2013
2014
2015
2016
2017
2018
2019
2020
2021 Q2
2013 2014
2015
2016 2017 2018
2019 2020 Q221
Nonperforming Assets / Assets
Quarterly Trend
3/31/21
06/30/21
Change
NPL / Loans
0.95%
0.71%
(24) bps
3.78%
4.00%
Nonperforming Loans
$115.5
$80.9
($34.6)
3.50%
3.00%
NPA / Assets
0.55%
0.42%
(13) bps
2.71%
2.50%
Nonperforming Assets
$127.9
$97.2
($30.7)
2.00%
1.54% 1.45%
Past Due 30+ Days / Loans
0.19%
0.16%
(3) bps
1.50%
0.83%
1.00%
0.64% 0.55% 0.64%
Net Charge-offs (2) / Loans (YTD)
0.10%
0.01%
(9) bps
0.42%
0.50%
0.00%
Credit Card Portfolio Net Charge-off
Ratio (2) (YTD)
1.39%
1.58%
+19 bps
2013
2014
2015
2016
2017
2018
2019
2020
Q221
ACL / Loans
1.93%
2.00%
+7 bps
Source: S&P Global Market Intelligence 2013-2020 (which metrics are as of December 31 of the relevant year)
(1) ALLL for 2013 - 2019 and ACL 2020-2021 Q2.
$
(2) YTD annualized net charge-offs.
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