Pathward Financial Results Presentation Deck slide image

Pathward Financial Results Presentation Deck

Overview of Loan Portfolio 15 ($ in millions) Commercial Finance ¹Total renewable energy debt financing outstanding was $361.9 million as of 1Q23. Majority of balances in term lending balance sheet category. Consumer Lending Tax Services Corporate Business Line Structured Finance Guaranteed portion of US govt SBA/USDA loans Unguaranteed portion of US govt SBA/USDA loans Paycheck Protection Program (PPP) loans Renewable energy debt financing¹ (term lending only) Other Equipment Finance Large ticket Small ticket Other Working Capital Specialty Finance Consumer credit programs Private student loans Other consumer lending Tax preparer loans Refund advance loans Total Lending Portfolio (HFI) Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Balance Sheet Category SBA/USDA SBA/USDA SBA/USDA Term lending Term lending TOTAL Lease financing Term lending Lease financing Term lending Lease financing TOTAL Asset-based lending Factoring TOTAL Insurance premium finance Other commercial finance TOTAL Consumer credit programs Other consumer finance Other consumer finance TOTAL Tax services Tax services TOTAL Warehouse finance TOTAL 1Q22 44.6 101.1 63.8 273.4 291.7 774.6 213.7 203.7 21.6 269.6 10.0 718.6 337.2 403.0 740.2 385.5 178.9 564.3 173.3 92.0 52.4 317.8 73.6 26.7 100.3 466.8 466.8 3,682.6 4Q22 194.9 150.8 13.5 153.9 353.5 866.6 187.6 340.0 14.2 242.9 8.9 793.6 351.7 372.6 724.3 479.8 159.4 639.2 144.4 25.3 169.7 0.2 8.9 9.1 1Q23 196.0 152.3 8.8 114.7 365.5 837.3 170.1 444.4 12.0 235.5 7.7 869.7 359.5 338.6 698.1 437.0 164.7 601.7 130.8 56.2 187.0 30.4 30.4 MRQ Yield 5.55% 6.69% 12.53% 5.99% 8.63% < 1% 326.9 279.9 326.9 279.9 3,529.3 3,504.1 7.70% 8.09% % of Total 24% 25% 20% 17% 5% 1% 8% 100% pathward
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