Ready Capital Investor Presentation Deck

First Quarter 2022 Results Earnings / Dividends Returns Loan Originations5 / Acquisitions ▪ Net income of $64.3 million¹, or $0.70 per common share ▪ Distributable earnings of $48.9 million¹, or $0.52 per common share ▪ Declared dividend of $0.42 per common share ▪ Return on Equity² of 18.0% ▪ Distributable Return on Equity³ of 13.6% ▪ Dividend Yield 4 of 11.2% ▪ CRE originations and acquisitions of $2.2 billion ▪ SBA loan originations of $101.0 million ▪ Residential mortgage loan originations of $769.1 million 1. Before dividends on preferred securities and inclusive of non-controlling interest 2. Return on equity is an annualized percentage equal to quarterly net income over the average monthly total stockholders' equity for the period READY CAPITAL. 3. Distributable return on equity is an annualized percentage equal to distributable earnings over the average monthly total stockholders' equity for the period. Refer to the "Distributable Earnings Reconciliation by Quarter" slide for a reconciliation of GAAP Net Income to Distributable Earnings 4. Q1 dividend yield for the period is based on the 3/31/2022 closing share price of $15.06 5. Represents fully committed amounts 28

View entire presentation