Ready Capital Investor Presentation Deck

Historical Performance Net Income²: Distributable Earnings ²: Distributable Earnings per Share: 120% 100% 80% 60% 40% 20% TOTAL SHAREHOLDER RETURN 0% -20% -40% 1Q 2021 2Q 2021 Nov-16 $28.9 $24.7 $0.41 Q4'16 $30.9 Q1'17 $41.4 $0.52 Q2'17 Q3'17 3Q 2021 $46.5 $49.4 $0.64 Q4'17 Q1'18 4Q 2021 Q2'18 $53.6 $52.5 $0.67 1. As of quarter end market prices 2. In millions 3. Excludes the equity component of our 2017 convertible note issuance Q3'18 Q4'18 Dividends per Share: Dividend Yield on Market Price ¹: Book Value per Share ³: Q1'19 Q2'19 Q3'19 1Q 2021 $0.40 11.92% $14.89 Q4'19 Q1'20 2Q 2021 3Q 2021 Q2'20 $0.42 10.59% READY CAPITAL. $14.87 $0.42 11.64% $15.06 12.20 4Q 2021 $0.42 10.75% $15.35 Q4'21 0820 040 0121 DIA 0521 042A 33

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