Strong Foundation ▪ Sticky, granular client deposit base ▪ Leading capital and liquidity positions among our peers ▪ Diversified, fee-based business mix ▪ Risk management excellence: ‒ 10-year average(1) NCO ratio of 30 bps ▪ Highly engaged & talented teammates Distinctive Business Model ▪ Relationship-based model focused on primacy ▪ Driving growth through targeted scale ▪ Proven and mature underwrite-to- distribute model – raised over $160Bn of capital on behalf of our clients(2) ▪ Scaled Investment Banking, Payments, Wealth and CRE businesses ▪ Expense management discipline supports ongoing investments Positioned for Future ▪ Strengths align with market developments ▪ Clearly defined structural NII tailwinds – across a variety of rate scenarios ▪ Significant organic momentum across capital-light, fee-based businesses ▪ Accelerated investments in people and technology, which will drive future organic growth ▪ De-risked credit profile KEY: Well-Positioned to Achieve Our Next Leg of Growth Strong foundation positions Key to execute on its targeted scale strategy to deliver sound, profitable growth 2(1) For 2016-2025; (2) Trailing 12-months basis, 2Q25 through 1Q26 (1) Top 20 MSAs ranked by number of Middle Market companies; (2) As of 3/31/2026; (3) As a percent of 1Q26 segment results, excluding the Other segment Regional Bank with National Reach and Scale Business Mix Overview(3) Assets $189Bn Deposits $148Bn KEY Highlights(2) Loans $109Bn Branches 940 AUM ~$70Bn 3 Consumer 52% Commercial 48% NII Commercial 65% Consumer 35% Noninterest Income Consumer 32% Commercial 68% Average Loans Consumer 60% Commercial 40% Average DepositsRetail footprint (includes Commercial Bank and Institutional Bank presence) Key clients (no Branch or Commercial / Inst.