First Citizens BancShares Results Presentation Deck

NIM Rollforward 4.10% 2Q23 3.42% 3Q22 0.12% 0.11% Debt Yield on investments volume & FFS¹) (1) 1.30% Loan yield 0.10% Loan yield 0.76% Yield on investments & FFS (1) First Citizens BancShares (1) FFS represents Fed Funds Sold. 0.05% Purchase accounting 2Q23 to 3Q23 (-3 bps) 0.44% 0.05% Debt rate 3Q22 to 3Q23 (+65 bps) Purchase accounting 0.03% Investments Deposit rate & FFS volume (1.29)% (0.24)% Deposit rate (0.36)% Funding mix (0.13)% Deposit volume (0.12)% Loan volume (0.20)% Debt rate 4.07% 3Q23 4.07% 3Q23 15

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