INVESTOR UPDATE

March 2019 Western Alliance Overview With a national presence and regional footprint, Western Top 10 on Forbes Alliance Bank is one of the country’s top performing “Best Banks in $23B+ 80,000+ 1,800+ America” IN ASSETS COMMERCIAL ACCOUNTS EMPLOYEES list four years 22.8% running 20.7% 17.3% TANGIBLE BOOK VALUE (2016 - 2019) ROTCE GROSS LOAN GROWTH CAGR (2013 Q4 – 2018 Q4) 5 geographically- based banking divisions

10+ specialized national business lines

47 Locations

Note: Light blue circles represent the location of business generating employees outside core region First Independent Bank, Bridge Bank, Bank of Nevada, Torrey Pines Bank and Alliance Bank of Arizona 2 are divisions of Western Alliance Bank. Member FDIC. Western Alliance’s Key Strengths Proven Business Model Diversified Business Mix The Go-to-Business Bank Loans by Product Type . Entrepreneurial regional bank with a commercial Resi. & Consumer focus that targets business opportunities with 7% higher risk-adjusted returns Const. & Land Diverse mix of . Improving operating leverage through deliberate 12% regionally- cost management C&I focused banking . Experienced, proven leadership 44% divisions in CRE, NOO Western-U.S. & Superior Performance 24% nationally- oriented 7 Years of Growing Profitability CRE, OO businesses 13% . ROAA and ROATCE among highest in the industry . Strong organic loan growth supplemented by select Loans by Geography EPS accretive, strategic acquisitions . Primarily deposit-funded Other 1 • Total Loans: New York 23% $17.7bn Conservative Credit 2% California • Lending Texas 40% relationships Best-in-Class Credit Quality 3% nationwide Florida . Stable asset quality Nevada • Nat’l Bus. Lines: 4% . Nominal charge-offs 13% Arizona $7.8bn (46%) 15% 1) “Other” includes all states with less than 2% of the loan portfolio

3 Executive Leadership Team Experienced leadership team that fosters an entrepreneurial, customer-focused culture

Kenneth A. Vecchione Dale M. Gibbons Chief Executive Officer Vice Chairman, Chief Financial Officer 11 total years at WAL 15 years at WAL 35+ years’ experience, including 30+ years in commercial banking senior positions in financial services • Appointed CEO in April 2018 • Ranked #1 Best CFO overall, among Mid-cap and • Has served on Western Alliance Board of Directors since Small-cap banks, by Institutional Investor magazine 2007 and was WAL’s COO from 2010 – 2013 (2017 & 2018) • Previously, served in senior leadership positions at • CFO and Secretary of the Board at Zions MBNA Corp., Apollo Global Management, and Citi card Bancorporation (1996 – 2001) services Jim Haught Robert McAuslan President and Chief Operating Officer Executive Vice President, Chief Credit Officer 1 year at WAL 7 years at WAL 20+ years in risk & capital management 25+ years in senior credit administration

• Previously, served as Managing Partner for financial • Previously, served as Senior Credit Executive for western services at The Exequor Group and SVP, Global Head of U.S. markets with Mutual of Omaha Bank and EVP, Senior Capital at State Street Corp. Credit Officer for western U.S. markets for BBVA / Compass Bank

4 4th Quarter 2018 | Financial Highlights Record results with high organic loan and deposit balances, stable net interest margin and improving efficiency ratio, while maintaining asset quality

Q4 Highlights Year-Over-Year Growth • ROAA: 2.13% • Deposits: +$2.2 billion / 13.0%

• ROTCE: 21.1% • Loans: +$2.6 billion / 17.3%

• Deposits: +$269mm / 5.7% annualized • Revenue: +$123.2 million / 15.2%

• Loans: +$978mm / 23.4% annualized • Net Income: +$110.3 million / 33.9%

• Efficiency Ratio: 41.5%1 • Earnings per Share: +33.5%

• Net interest margin flat at 4.72% • Tangible Book Value per Share: +20.5%

• NPA/Assets of 0.36%, down 9 bps

• Net charge-offs of 0.08% of average loans

• TCE / TA of 10.2%

1) Reconciliations of these non-GAAP financial measures to the most comparable GAAP measures are included in the Company’s earnings release available in the Investor Relations portion of the Company’s5 website at http://investors.westernalliancebancorporation.com

5 Superior Return on Assets and TCE

ROAA WAL Peer Median • Outstanding performance compared to peers 2.05% with ROAA and ROATCE among highest in 1.72% 1.61% 1.50% 1.56% industry 1.35% • As one of the highest taxed industries, banks 1.29% benefited from tax reform in Q4 2017 0.98% 0.99% 0.98% 1.00% 0.96%

2013Y 2014Y 2015Y 2016Y 2017Y 2018Y

ROATCE Tangible Common Equity / Tangible Assets WAL Peer Median WAL Peer Median 10.2% 9.6% 20.7% 9.4% 9.2% 18.7% 18.2% 17.7% 17.8% 18.4% 8.4% 8.6% 9.0% 8.8% 8.5% 8.6% 8.7% 15.3%

11.7% 11.4% 11.3% 11.6% 11.3% 7.4%

2013Y 2014Y 2015Y 2016Y 2017Y 2018Y 2013Y 2014Y 2015Y 2016Y 2017Y 2018Y

Note: Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence 6 Our Business Transformation WAL has dramatically evolved through national growth and product diversification

2008 20182018 Total Assets $5.2bn $23.1bn

Locations 41 47

States with Lending 181 49 Relationships Geographic Lending $0.8bn (19.7%)1 $5.6bn (31.8%) Diversification 2

Nevada Loan Concentration $1.8bn (45.0%) $2.3bn (12.8%)

Tier 1 Common Capital $293mm (6.2%) $2.3bn (10.7%)

Loan / Deposits 112% 92%

Non-Interest-bearing $1.0bn (27.7%) $7.3bn (38.9%) Deposits

1) Data as of December 31, 2009 2) Lending relationships outside of Arizona, California, and Nevada

7 WAL’s Balance Sheet Growth and Transformation 2008 2018

Loans ($4.1 billion) Loans ($17.7 billion) Loans Resi. & Consumer 7% • Increased loan diversification Resi. & C&I Const. Consumer • Established National Business 21% & Land 16% Lines 12% Const. & C&I • Smaller residential mix, yet Land 44% renewed part of strategy in 20% CRE: OO CRE: NOO 21% 24% current rate environment CRE: NOO • Reduced construction.& land 22% CRE: OO 13% component - consisting of high quality counterparties with Liabilities ($4.7 billion) Liabilities ($20.5 billion) significant institutional equity Debt • Raw land exposure significantly 4% reduced from 3.5%¹ to 0.5% Nonint. CDs Debt DDA 9% 23% 21% Liabilities Int. Nonint. DDA DDA 37% • Significant reduction in debt 5% and term CD funding CDs MMDA & 22% MMDA & Savings • Growth in favorable noninterest Savings 37% Int. DDA funding mix 29% 13% 8 1) Data as of December 31, 2009

8 A National Platform of Specialized Financial Services WAL leverages deep segment expertise to provide specialized banking services to niche markets across the country Conservative Portfolio Size Characteristics1 Unique Attributes

• 94% with top three franchisors • Debt Yield: 12.4% • Healthy RevPAR of 117% Index over last 11 qtrs. Hotel Franchise $1.5bn • Debt Service • Geographic diversification Finance Coverage: 1.74x − 51% of the portfolio (by commitment) is located in top-25 MSA’s

• Liquid borrowers • Provides avenues for growth in technology, life Technology & $1.2bn with 2:1 deposit sciences, equity fund and international services Innovation coverage • Over 90% of tech loan clients with revenue > $5mm

• Consumer receivables • Top-tier industry operators $540mm as collateral: • 75% hypothecation of consumer receivables held by Resort Finance − FICO: 711 borrower and 25% real estate loans − Advance rates of 85% − Diverse payment sources with over 49,000 underlying consumer receivables

Note: Data as of December 31, 2018, unless otherwise stated 1) Data represents average portfolio statistics, unless otherwise stated 9 An Entrepreneurial Banking Mindset WAL continuously looks to deepen existing client relationships to offer unique solutions and expand our product offering Conservative Portfolio Size Characteristics1 Unique Attributes • Corp. Rating: BB+ • Portfolio of large corporate borrowers • LTV: 29% • Borrower profile: primarily market share leaders with Corporate $1.1bn • FCCR: 3.6x large public equity valuation cushions and strong Finance • Leverage: 2.4x Senior/ cash flow coverage metrics 3.6x Total • 40% are relationship accounts or in-footprint • Warehouse underlying • Warehouse Lines: borrowers: − Dwell time of less than 15 days and robust secondary − FICO: 732 market for collateral Mortgage − LTV: 79% • MSR: $1.4bn • MSR: Warehouse − Daily re-margin requirements and robust secondary − Avg. max LTV of 55% market for collateral • Note Finance: • Note Finance: − Borrower avg. debt/equity Short duration of borrowing base collateral of 0.31x (as of 9/30/18) −

• Avg. Size $425,000 • Forward flow arrangements with existing mortgage Residential warehouse clients • LTV: 67% Mortgage $1.0bn • High-quality, low-capital absorption, less rate- • FICO: 753 Initiative sensitive loans • DTI: 36% • WAL re-underwrites 100% of acquired loans Note: Data as of December 31, 2018, unless otherwise stated 1) Data represents average portfolio statistics, unless otherwise stated 10 Well-Positioned Loan Portfolio Diversified by product, client-type and geography with emphasis on underwriting discipline • Target opportunities with superior risk-adjusted Loans Predominantly Floating Rate returns • Relationship banking approach with tailor-made solutions for our customers Fixed Rate LIBOR 29% Based • Benefited from rising interest rates during 2018 37% Other Floating 1% Prime Term Based Adjustable 23% 10% Loan and Loan Yields 5.43% 5.62% 5.77% 6.00% 5.23% 5.18% 5.40% $20.0 5.00% $17.7 $15.0 4.00% $13.2 $15.1 3.00% $10.0 $11.1 21.1% 2.00% CAGR $8.4 $5.0 1.00% $6.8 0.00% $0.0 2013 2014 2015 2016 2017 2018 11 Dollars in billions

11 Stable, Low Cost Deposits Diversified funding sources reflect long-term, stable relationships Solid Noninterest Bearing Deposit Base • Deposit funding 96% of total liabilities • 39% of total deposits are noninterest-bearing CDs 10% • 27.6% 5-year CAGR Nonint. Bearing DDA • 92% Loan-to-Deposit ratio MMDA & 39% Savings 38% Interest DDA 13% Deposits, Borrowings, and Cost of Funds 0.64% $25.0 0.39% 0.36% 0.37% 0.60% 0.30% 0.31% $0.9 $20.0 $0.8 27.6% $15.0 $0.5 $7.5 $0.4 $7.4 CAGR $5.6 -0.20% $10.0 $0.5 $0.5 $4.1 $2.3 $2.2 $11.7 15.8% $5.0 $8.9 $9.5 $5.6 $6.6 $7.9 CAGR $0.0 -1.00% 2013 2014 2015 2016 2017 2018 Interest Bearing Deposits Non-Interest Bearing Deposits Total Borrowings Cost of Funds Dollars in billions 12 Cost of Funds calculated as interest incurred on liabilities divided by the sum of average noninterest-bearing deposits plus interest-bearing liabilities, as reported by S&P Global Market Intelligence

12 Consistent Net Interest Margin Remains well-positioned in rising rate environment

Est. Interest Rate Sensitivity ($000s) • 28% total earning assets beta and 26% total funding cost beta, YOY - 200bps - 100bps Base +100bps +200bps Interest Income $1,000 $1,077 $1,186 $1,306 $1,426 Interest Expense 104 148 199 253 307 Net Interest Income $896 $929 $987 $1,053 $1,119 Change (9.2%) (5.8%) 6.7% 13.3% Net Interest Margin

4.65% 4.68% 5.00% 4.49% 4.42% 4.51% 4.58% 4.28% 4.23% 4.37% 4.39% 3.97% 4.00% 3.80% 3.65% 3.72% 3.73% 3.62% 3.61% 3.61% 3.00% 3.55% 3.42% 3.41% 3.51% 2.08% 1.91% 2.00% 1.10% 1.00% 0.51% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.26% 0.00% 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 WAL Peers Avg. Fed Funds Rate

13 Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence

13 Strong Efficiency Ratio Historically stable efficiency ratio • Continued focus on expense management, while investing in growth initiatives and scalable infrastructure to be a leading nationwide banking platform

65.0% 63.4% 61.7% 60.1% 60.0% 58.8% 57.3% 55.4% 55.0% 52.1%

50.0% 47.4% 45.2% 45.0% 43.2% 41.5% 41.9%

40.0% 2013 2014 2015 2016 2017 2018 WAL Peers

Efficiency ratio for WAL and Peers as calculated and reported by SNL Financial / S&P Global Market Intelligence WAL’s 2018 efficiency ratio normalized for adjustments items highlighted in the Q4 earnings presentation (401K policy change, contributions to the Company’s Charitable Foundation, etc.) 14 Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence

14 Adversely Graded Loans and Non-Performing Assets While loans have historically seen double digit growth, adversely graded loans and non-performance assets have been consistent and declining in 2018 • Non-performing assets have gradually declined, representing 36% of both adversely graded and non- performing assets in 2013 to 15% in 2018 $401 $356 $351 $344 $130 $312 $316

$142 $155 $98 $148 $89

Adversely Graded Adversely $128 $89 $117 $108 $128 $181 $76 $68

$48 $40

Performing Assets - $44 $67 $57 $28 Non $44 $48 $29 $18 2013 2014 2015 2016 2017 2018 OREO Non-Performing Loans Classified Accruing Loans Special Mention Loans Dollars in millions 15 Accruing TDRs total $36.5mm, amounts are net of total PCI credit and interest rate discounts of $8.0mm

15 Charge-Offs, Recoveries, ALLL, and Provision Credit quality is placed before profitability Reserve / Total Loans 1.47% WAL Peers • Strong risk management culture and framework 1.31% established throughout organization 1.07% • Significant investments of time and 1.22% 1.00% 0.93% resources over past several years 1.09% 0.86% 1.00% • Nominal historical net charge-offs 0.94% 0.85% 0.79%

2013 2014 2015 2016 2017 2018 Non-Performing Assets1 / Total Assets Net Charge-Offs / Average Loans 0.50% 1.53% WAL Peers WAL Peers

1.18% 0.23% 0.25% 0.14% 0.11% 0.12% 0.12% 0.13% 0.14% 0.65% 0.51% 0.80% 0.43% 0.00% 0.06% 0.65% 0.32% 0.02% 0.01% 0.56% 0.47% -0.07% -0.06% 0.36% 0.20% -0.25% 2013 2014 2015 2016 2017 2018 2013 2014 2015 2016 2017 2018 1) Nonperforming assets excluding Troubled Debt Restructuring 16 Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence

16 Robust Capital Growth WAL capital growth has outstripped peers, while supporting above industry trend loan and deposit growth Robust Capital Levels TBV Growth and Returns

11.0% 22.0% 22.8% TBV per Share CAGR $25.00 10.7% 21.1% 10.5% 10.2% 20.0% $22.07 $20.00 10.0% 18.7% 18.4% 17.8% 18.0% 18.2% $18.31 9.5% 17.7% $15.00 $15.17 9.0% 16.0% 8.8% $12.54 8.9% $10.00 8.5% $10.21 14.0% 8.4% 8.0% $7.90 $5.00 12.0% 7.5% 7.4% 7.0% 10.0% $0.00 2013 2014 2015 2016 2017 2018 2013 2014 2015 2016 2017 2018 Tier 1 Common TCE Peer TCE TBV ROATCE 17 Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence

17 Consistent EPS Growth WAL has experienced 14 consecutive quarters of EPS stability and growth • In addition to industry-leading growth and profitability, since Q1 2011, WAL has produced top decile earnings predictability Quarterly EPS & Stock Price $70.00 $1.20 WAL Stock Price $1.13 EPS Growth & P/E Comparison Quarterly EPS WAL Peers KRX SPX $60.00 $1.00 EPS 5-Yr. CAGR 26% 12% 13% 7% Est. EPS Growth ¹ 12% 11% 8% 12% P/E (TTM) 11.2x 14.2x 13.2x 18.5x $50.00 $0.80 P/E (FY1) 10.0x 12.3x 12.3x 16.6x $46.27 Predictable Earnings (R²) $40.00 $0.60 WAL Peer Percentile R² 75th 50th 25th Since Q1'11 (Recovery) 0.82 0.67 0.38 0.19 $30.00 $0.40 Since Q4'15 (Rising Rates) 0.98 0.64 0.34 0.10 $0.33 Note: R² closer to 1.0 implies greater correlation. R² represents the predictability of past earnings based on variability to an implied least squares logarithmic regression line. Peers $20.00$23.86 $0.20 were removed from periods when no earnings reported. 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18

1) Estimated EPS growth 2018 – 2019 based on consensus estimates Market data as of February 28, 2019 Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence Source: Consensus estimates, Bloomberg

18 Historical Valuation Multiples (P / LTM EPS)

24.0x P / LTM EPS WAL Peers 22.0x

20.0x

18.0x

16.0x

14.0x 14.2x

12.0x 11.2x 10.0x 12/31/13 6/30/14 12/31/14 6/30/15 12/31/15 6/30/16 12/31/16 6/30/17 12/31/17 6/30/18 12/31/18

1.10x Implied Premium / Discount to Peer Multiples

1.05x

1.00x

0.95x Avg. 0.92x 0.90x

0.85x

0.80x 0.79x 0.75x

0.70x 12/31/13 6/30/14 12/31/14 6/30/15 12/31/15 6/30/16 12/31/16 6/30/17 12/31/17 6/30/18 12/31/18 Note: Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence Market data as of February 28, 2019 19 Growth in TBV per Share

250% WAL 214% Peer Avg Peer Avg with Dividends Added Back 200%

150%

100% 81%

50% 58%

0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 2014 2014 2014 2014 2015 2015 2015 2015 2016 2016 2016 2016 2017 2017 2017 2017 2018 2018 2018 2018

Note: Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence 20 Historical Valuation Multiples (P / TBV)

400% P / TBV

WAL Peers 350%

300%

250%

210% 200% 200%

150% 12/31/13 6/30/14 12/31/14 6/30/15 12/31/15 6/30/16 12/31/16 6/30/17 12/31/17 6/30/18 12/31/18 1.70x Implied Premium / Discount to Peer Multiples 1.60x

1.50x Avg. 1.41x 1.40x

1.30x

1.20x

1.10x 1.05x 1.00x 12/31/13 6/30/14 12/31/14 6/30/15 12/31/15 6/30/16 12/31/16 6/30/17 12/31/17 6/30/18 12/31/18 Note: Peers consist of 70 publicly traded banks with total assets between $10B and $100B, excluding target banks of pending acquisitions; S&P Global Market Intelligence Market data as of February 28, 2019 21 Forward-looking Statements This presentation contains forward-looking statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends, and similar expressions concerning matters that are not historical facts. Examples of forward-looking statements include, among others, statements we make regarding our expectations with regard to our business, financial and operating results, and future economic performance. The forward-looking statements contained herein reflect our current views about future events and financial performance and are subject to risks, uncertainties, assumptions, and changes in circumstances that may cause our actual results to differ significantly from historical results and those expressed in any forward-looking statement. Some factors that could cause actual results to differ materially from historical or expected results include, among others: the risk factors discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2018 as filed with the Securities and Exchange Commission; changes in general economic conditions, either nationally or locally in the areas in which we conduct or will conduct our business; inflation, interest rate, market and monetary fluctuations; increases in competitive pressures among financial institutions and businesses offering similar products and services; higher defaults on our loan portfolio than we expect; changes in management’s estimate of the adequacy of the allowance for credit losses; legislative or regulatory changes or changes in accounting principles, policies, or guidelines; supervisory actions by regulatory agencies which may limit our ability to pursue certain growth opportunities, including expansion through acquisitions; additional regulatory requirements resulting from our continued growth; management’s estimates and projections of interest rates and interest rate policy; the execution of our business plan; and other factors affecting the financial services industry generally or the banking industry in particular.

Any forward-looking statement made by us in this presentation is based only on information currently available to us and speaks only as of the date on which it is made. We do not intend to have and disclaim any duty or obligation to update or revise any industry information or forward- looking statements, whether written or oral, that may be made from time to time, set forth in this presentation to reflect new information, future events or otherwise.

Non-GAAP Financial Measures This presentation contains both financial measures based on accounting principles generally accepted in the (“GAAP”) and non- GAAP based financial measures, which are used where management believes them to be helpful in understanding the Company’s results of operations or financial position. Reconciliations of these non-GAAP financial measures to the most comparable GAAP measures are included in the Company’s earnings release available in the Investor Relations portion of the Company’s website at http://investors.westernalliancebancorporation.com. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.

22 Appendix: Ranking of Top 50 U.S. Banks by Assets

23 Total Assets (FY2018; $ in billions)

1 JPMorgan Chase & Co. $2,622.5 26 $47.4 2 Corporation $2,354.5 27 Chemical / TCF Financial * $45.2 3 Citigroup Inc. $1,917.3 28 Synovus / FCB Financial * $45.1 4 Wells Fargo & Company $1,895.9 29 East West Bancorp, Inc. $41.0 5 U.S. Bancorp $467.4 30 First Horizon National Corporation $40.8 6 BB&T / SunTrust * $441.2 31 BOK Financial Corporation $38.0 7 PNC Financial Services Group, Inc. $382.3 32 First Citizens BancShares, Inc. $35.4 8 Capital One Financial Corporation $372.5 33 Associated Banc-Corp $33.6 9 Bank of New York Mellon Corporation $362.9 34 F.N.B. Corporation $33.1 10 State Street Corporation $244.6 35 Cullen/Frost Bankers, Inc. $32.3 11 Fifth Third / MB Financial * $166.3 36 BankUnited, Inc. $32.2 12 , Inc. $160.5 37 Valley National Bancorp $31.9 13 KeyCorp $139.6 38 Sterling Bancorp $31.4 14 Corporation $132.2 39 Corporation $31.2 15 Regions Financial Corporation $125.7 40 IBERIABANK Corporation $30.8 16 M&T Bank Corporation $120.1 41 Texas Capital Bancshares, Inc. $28.3 17 Incorporated $108.8 42 Corporation $28.2 18 First Republic Bank $99.2 43 Webster Financial Corporation $27.6 19 Comerica Incorporated $70.8 44 Umpqua Holdings Corporation $26.9 20 , NA $68.7 45 Investors Bancorp, Inc. $26.2 21 SVB Financial Group $56.9 46 PacWest Bancorp $25.7 22 New York Community Bancorp, Inc. $51.9 47 , Inc. $25.5 23 CIT Group Inc. $48.5 48 Pinnacle Financial Partners, Inc. $25.0 24 People's United Financial, Inc. $47.9 49 UMB Financial Corporation $23.4 25 Popular, Inc. $47.6 50 Western Alliance Bancorporation $23.1 Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 24 Net Income (FY2018; $ in millions)

1 JPMorgan Chase & Co. $32,474.0 26 First Horizon National Corporation $556.5 2 Bank of America Corporation $28,147.0 27 Signature Bank $505.3 3 Wells Fargo & Company $22,876.0 28 People's United Financial, Inc. $468.1 4 Citigroup Inc. $18,080.0 29 PacWest Bancorp $465.3 5 U.S. Bancorp $7,124.0 30 Cullen/Frost Bankers, Inc. $454.9 6 BB&T / SunTrust * $6,041.0 31 Sterling Bancorp $447.3 7 Capital One Financial Corporation $6,015.0 32 CIT Group Inc. $447.1 8 PNC Financial Services Group, Inc. $5,346.0 33 BOK Financial Corporation $446.4 9 Bank of New York Mellon Corporation $4,254.0 34 Commerce Bancshares, Inc. $438.2 10 State Street Corporation $2,599.0 35 Western Alliance Bancorporation $435.8 11 Fifth Third / MB Financial * $2,406.9 36 New York Community Bancorp, Inc. $422.4 12 M&T Bank Corporation $1,918.1 37 First Citizens BancShares, Inc. $400.3 13 KeyCorp $1,866.0 38 F.N.B. Corporation $372.9 14 Regions Financial Corporation $1,759.0 39 IBERIABANK Corporation $370.2 15 Citizens Financial Group, Inc. $1,721.0 40 Webster Financial Corporation $360.4 16 Northern Trust Corporation $1,556.4 41 Pinnacle Financial Partners, Inc. $359.4 17 Huntington Bancshares Incorporated $1,393.0 42 Wintrust Financial Corporation $343.2 18 Comerica Incorporated $1,235.0 43 Associated Banc-Corp $333.6 19 SVB Financial Group $1,011.3 44 BankUnited, Inc. $324.9 20 Zions Bancorporation, NA $884.0 45 Hancock Whitney Corporation $323.8 21 First Republic Bank $853.8 46 Umpqua Holdings Corporation $316.3 22 East West Bancorp, Inc. $703.7 47 Texas Capital Bancshares, Inc. $300.8 23 Popular, Inc. $618.2 48 Valley National Bancorp $261.4 24 Chemical / TCF Financial * $599.6 49 Investors Bancorp, Inc. $202.6 25 Synovus / FCB Financial * $573.8 50 UMB Financial Corporation $195.5 Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 25 Net Interest Margin (FY2018)

1 Capital One Financial Corporation 6.87% 26 CIT Group Inc. 3.41% 2 PacWest Bancorp 5.05% 27 F.N.B. Corporation 3.38% 3 Western Alliance Bancorporation 4.68% 28 Hancock Whitney Corporation 3.38% 4 Umpqua Holdings Corporation 4.04% 29 Huntington Bancshares Incorporated 3.33% 5 Popular, Inc. 4.01% 30 Fifth Third / MB Financial * 3.22% 6 M&T Bank Corporation 3.83% 31 Citizens Financial Group, Inc. 3.21% 7 Synovus / FCB Financial * 3.83% 32 KeyCorp 3.18% 8 East West Bancorp, Inc. 3.78% 33 BOK Financial Corporation 3.14% 9 Texas Capital Bancshares, Inc. 3.75% 34 U.S. Bancorp 3.14% 10 IBERIABANK Corporation 3.75% 35 People's United Financial, Inc. 3.12% 11 First Citizens BancShares, Inc. 3.69% 36 Valley National Bancorp 3.11% 12 BankUnited, Inc. 3.67% 37 UMB Financial Corporation 3.11% 13 Cullen/Frost Bankers, Inc. 3.64% 38 First Republic Bank 2.98% 14 Wintrust Financial Corporation 3.61% 39 PNC Financial Services Group, Inc. 2.97% 15 Webster Financial Corporation 3.61% 40 Associated Banc-Corp 2.97% 16 Zions Bancorporation, NA 3.61% 41 Signature Bank 2.93% 17 Pinnacle Financial Partners, Inc. 3.60% 42 Wells Fargo & Company 2.91% 18 Comerica Incorporated 3.60% 43 Citigroup Inc. 2.80% 19 SVB Financial Group 3.57% 44 Investors Bancorp, Inc. 2.73% 20 Sterling Bancorp 3.57% 45 JPMorgan Chase & Co. 2.50% 21 Commerce Bancshares, Inc. 3.53% 46 Bank of America Corporation 2.43% 22 Chemical / TCF Financial * 3.53% 47 New York Community Bancorp, Inc. 2.24% 23 Regions Financial Corporation 3.50% 48 State Street Corporation 1.47% 24 BB&T / SunTrust * 3.46% 49 Northern Trust Corporation 1.46% 25 First Horizon National Corporation 3.45% 50 Bank of New York Mellon Corporation 1.25% Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 26 Efficiency Ratio (FY2018)

1 Signature Bank 36.7% 26 JPMorgan Chase & Co. 57.9% 2 Sterling Bancorp 38.7% 27 Umpqua Holdings Corporation 58.1% 3 PacWest Bancorp 42.0% 28 Bank of America Corporation 58.1% 4 Western Alliance Bancorporation 43.0% 29 People's United Financial, Inc. 58.5% 5 East West Bancorp, Inc. 45.2% 30 Citigroup Inc. 58.7% 6 Pinnacle Financial Partners, Inc. 46.2% 31 Citizens Financial Group, Inc. 58.8% 7 SVB Financial Group 46.2% 32 PNC Financial Services Group, Inc. 59.2% 8 New York Community Bancorp, Inc. 48.7% 33 Fifth Third / MB Financial * 59.4% 9 Chemical / TCF Financial * 51.4% 34 Zions Bancorporation, NA 59.8% 10 Comerica Incorporated 51.7% 35 Regions Financial Corporation 59.8% 11 Texas Capital Bancshares, Inc. 52.6% 36 Popular, Inc. 59.9% 12 Capital One Financial Corporation 53.7% 37 Valley National Bancorp 60.1% 13 CIT Group Inc. 54.1% 38 First Republic Bank 60.5% 14 U.S. Bancorp 54.4% 39 Wintrust Financial Corporation 61.0% 15 M&T Bank Corporation 54.8% 40 BOK Financial Corporation 61.1% 16 IBERIABANK Corporation 54.9% 41 BankUnited, Inc. 61.6% 17 F.N.B. Corporation 54.9% 42 Associated Banc-Corp 62.2% 18 Commerce Bancshares, Inc. 55.3% 43 KeyCorp 62.3% 19 Cullen/Frost Bankers, Inc. 55.3% 44 First Horizon National Corporation 63.5% 20 Investors Bancorp, Inc. 56.2% 45 Wells Fargo & Company 64.8% 21 Synovus / FCB Financial * 56.2% 46 Northern Trust Corporation 66.8% 22 BB&T / SunTrust * 56.9% 47 Bank of New York Mellon Corporation 67.0% 23 Huntington Bancshares Incorporated 57.1% 48 First Citizens BancShares, Inc. 68.0% 24 Hancock Whitney Corporation 57.8% 49 State Street Corporation 69.7% 25 Webster Financial Corporation 57.8% 50 UMB Financial Corporation 70.4% Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 27 Return on Avg. Assets (FY2018)

1 Western Alliance Bancorporation 2.05% 26 Northern Trust Corporation 1.27% 2 PacWest Bancorp 1.91% 27 IBERIABANK Corporation 1.25% 3 SVB Financial Group 1.83% 28 JPMorgan Chase & Co. 1.24% 4 East West Bancorp, Inc. 1.83% 29 Bank of New York Mellon Corporation 1.24% 5 Commerce Bancshares, Inc. 1.78% 30 Wells Fargo & Company 1.21% 6 Comerica Incorporated 1.75% 31 Bank of America Corporation 1.21% 7 Capital One Financial Corporation 1.66% 32 Umpqua Holdings Corporation 1.21% 8 M&T Bank Corporation 1.64% 33 Texas Capital Bancshares, Inc. 1.19% 9 U.S. Bancorp 1.56% 34 Wintrust Financial Corporation 1.18% 10 Fifth Third / MB Financial * 1.54% 35 Hancock Whitney Corporation 1.17% 11 Pinnacle Financial Partners, Inc. 1.53% 36 State Street Corporation 1.16% 12 Cullen/Frost Bankers, Inc. 1.47% 37 F.N.B. Corporation 1.16% 13 BB&T / SunTrust * 1.47% 38 First Citizens BancShares, Inc. 1.15% 14 Sterling Bancorp 1.45% 39 Signature Bank 1.12% 15 Regions Financial Corporation 1.43% 40 Citizens Financial Group, Inc. 1.11% 16 PNC Financial Services Group, Inc. 1.41% 41 BankUnited, Inc. 1.05% 17 Chemical / TCF Financial * 1.41% 42 People's United Financial, Inc. 1.04% 18 First Horizon National Corporation 1.38% 43 Associated Banc-Corp 1.01% 19 Synovus / FCB Financial * 1.35% 44 Citigroup Inc. 0.94% 20 KeyCorp 1.35% 45 First Republic Bank 0.93% 21 Webster Financial Corporation 1.33% 46 CIT Group Inc. 0.93% 22 Zions Bancorporation, NA 1.33% 47 UMB Financial Corporation 0.93% 23 Huntington Bancshares Incorporated 1.33% 48 Valley National Bancorp 0.86% 24 Popular, Inc. 1.33% 49 New York Community Bancorp, Inc. 0.84% 25 BOK Financial Corporation 1.28% 50 Investors Bancorp, Inc. 0.80% Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 28 Tangible Common Equity / Tangible Assets (FY2018)

1 CIT Group Inc. 10.74% 26 Texas Capital Bancshares, Inc. 8.26% 2 Commerce Bancshares, Inc. 10.45% 27 Wintrust Financial Corporation 8.24% 3 Western Alliance Bancorporation 10.15% 28 Chemical / TCF Financial * 8.23% 4 Popular, Inc. 9.99% 29 Cullen/Frost Bankers, Inc. 8.11% 5 Comerica Incorporated 9.78% 30 Webster Financial Corporation 8.05% 6 East West Bancorp, Inc. 9.72% 31 Hancock Whitney Corporation 8.02% 7 PacWest Bancorp 9.60% 32 Citigroup Inc. 7.99% 8 Signature Bank 9.21% 33 Wells Fargo & Company 7.86% 9 PNC Financial Services Group, Inc. 9.19% 34 Regions Financial Corporation 7.72% 10 Pinnacle Financial Partners, Inc. 9.12% 35 U.S. Bancorp 7.67% 11 First Citizens BancShares, Inc. 9.12% 36 BB&T / SunTrust * 7.67% 12 Capital One Financial Corporation 9.09% 37 People's United Financial, Inc. 7.61% 13 SVB Financial Group 8.99% 38 First Republic Bank 7.54% 14 Umpqua Holdings Corporation 8.93% 39 Bank of America Corporation 7.54% 15 BankUnited, Inc. 8.87% 40 New York Community Bancorp, Inc. 7.51% 16 Zions Bancorporation, NA 8.85% 41 First Horizon National Corporation 7.14% 17 BOK Financial Corporation 8.82% 42 Huntington Bancshares Incorporated 7.13% 18 IBERIABANK Corporation 8.82% 43 JPMorgan Chase & Co. 7.08% 19 Synovus / FCB Financial * 8.81% 44 F.N.B. Corporation 7.05% 20 UMB Financial Corporation 8.78% 45 Associated Banc-Corp 7.03% 21 Fifth Third / MB Financial * 8.64% 46 Northern Trust Corporation 6.71% 22 Sterling Bancorp 8.60% 47 Bank of New York Mellon Corporation 4.83% 23 Citizens Financial Group, Inc. 8.48% 48 State Street Corporation 4.81% 24 M&T Bank Corporation 8.30% 49 Valley National Bancorp NA 25 KeyCorp 8.27% 50 Investors Bancorp, Inc. NA Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 29 Return on Avg. Equity (FY2018)

1 SVB Financial Group 20.7% 26 Wells Fargo & Company 11.2% 2 Western Alliance Bancorporation 18.1% 27 State Street Corporation 11.2% 3 East West Bancorp, Inc. 17.0% 28 Wintrust Financial Corporation 11.1% 4 Comerica Incorporated 15.8% 29 Hancock Whitney Corporation 11.0% 5 Commerce Bancshares, Inc. 15.8% 30 BB&T / SunTrust * 11.0% 6 Northern Trust Corporation 15.2% 31 Bank of America Corporation 10.6% 7 Synovus / FCB Financial * 14.2% 32 BankUnited, Inc. 10.6% 8 U.S. Bancorp 14.1% 33 Chemical / TCF Financial * 10.4% 9 Cullen/Frost Bankers, Inc. 13.9% 34 Sterling Bancorp 10.3% 10 Fifth Third / MB Financial * 13.7% 35 First Republic Bank 10.3% 11 Webster Financial Corporation 13.0% 36 Bank of New York Mellon Corporation 10.2% 12 Texas Capital Bancshares, Inc. 12.7% 37 PacWest Bancorp 9.7% 13 JPMorgan Chase & Co. 12.7% 38 IBERIABANK Corporation 9.5% 14 Huntington Bancshares Incorporated 12.6% 39 Pinnacle Financial Partners, Inc. 9.4% 15 KeyCorp 12.3% 40 Associated Banc-Corp 9.0% 16 M&T Bank Corporation 12.3% 41 Citigroup Inc. 9.0% 17 Signature Bank 12.2% 42 UMB Financial Corporation 8.9% 18 First Horizon National Corporation 12.1% 43 Citizens Financial Group, Inc. 8.6% 19 Capital One Financial Corporation 12.0% 44 F.N.B. Corporation 8.3% 20 BOK Financial Corporation 11.9% 45 Valley National Bancorp 7.9% 21 First Citizens BancShares, Inc. 11.7% 46 Umpqua Holdings Corporation 7.9% 22 Zions Bancorporation, NA 11.6% 47 People's United Financial, Inc. 7.8% 23 Regions Financial Corporation 11.4% 48 CIT Group Inc. 6.7% 24 PNC Financial Services Group, Inc. 11.4% 49 Investors Bancorp, Inc. 6.6% 25 Popular, Inc. 11.4% 50 New York Community Bancorp, Inc. 6.2% Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 30 Net Charge-offs / Average Loans (FY2018)

1 Zions Bancorporation, NA -0.04% 26 Synovus / FCB Financial * 0.20% 2 Bank of New York Mellon Corporation 0.00% 27 SVB Financial Group 0.22% 3 Valley National Bancorp 0.00% 28 F.N.B. Corporation 0.26% 4 Northern Trust Corporation 0.00% 29 PacWest Bancorp 0.26% 5 First Republic Bank 0.00% 30 Umpqua Holdings Corporation 0.26% 6 State Street Corporation 0.01% 31 KeyCorp 0.26% 7 Investors Bancorp, Inc. 0.03% 32 Hancock Whitney Corporation 0.27% 8 New York Community Bancorp, Inc. 0.04% 33 Citizens Financial Group, Inc. 0.28% 9 First Horizon National Corporation 0.06% 34 BankUnited, Inc. 0.28% 10 Western Alliance Bancorporation 0.06% 35 Wells Fargo & Company 0.28% 11 People's United Financial, Inc. 0.07% 36 Commerce Bancshares, Inc. 0.30% 12 Wintrust Financial Corporation 0.09% 37 CIT Group Inc. 0.32% 13 Chemical / TCF Financial * 0.09% 38 Cullen/Frost Bankers, Inc. 0.33% 14 Comerica Incorporated 0.10% 39 Texas Capital Bancshares, Inc. 0.35% 15 Pinnacle Financial Partners, Inc. 0.11% 40 Fifth Third / MB Financial * 0.35% 16 First Citizens BancShares, Inc. 0.11% 41 BB&T / SunTrust * 0.36% 17 Associated Banc-Corp 0.13% 42 Signature Bank 0.37% 18 East West Bancorp, Inc. 0.14% 43 Regions Financial Corporation 0.40% 19 Sterling Bancorp 0.14% 44 Bank of America Corporation 0.40% 20 M&T Bank Corporation 0.15% 45 U.S. Bancorp 0.48% 21 IBERIABANK Corporation 0.15% 46 JPMorgan Chase & Co. 0.51% 22 Webster Financial Corporation 0.16% 47 UMB Financial Corporation 0.58% 23 BOK Financial Corporation 0.18% 48 Citigroup Inc. 1.05% 24 PNC Financial Services Group, Inc. 0.19% 49 Popular, Inc. 1.13% 25 Huntington Bancshares Incorporated 0.20% 50 Capital One Financial Corporation 2.51% Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 31 ALLL / Non-Performing Loans (FY2018)

1 State Street Corporation NM 26 First Citizens BancShares, Inc. 116.4% 2 First Republic Bank 757.3% 27 Synovus Financial Corp. 111.9% 3 Capital One Financial Corporation 321.5% 28 Wintrust Financial Corporation 110.2% 4 New York Community Bancorp, Inc. 292.3% 29 PNC Financial Services Group, Inc. 92.6% 5 East West Bancorp, Inc. 253.7% 30 M&T Bank Corporation 92.3% 6 UMB Financial Corporation 238.6% 31 Fifth Third / MB Financial * 92.2% 7 Texas Capital Bancshares, Inc. 238.3% 32 Valley National Bancorp 91.7% 8 Western Alliance Bancorporation 237.7% 33 Bank of America Corporation 90.9% 9 Umpqua Holdings Corporation 223.7% 34 Pinnacle Financial Partners, Inc. 89.2% 10 SVB Financial Group 223.3% 35 Chemical / TCF Financial * 84.5% 11 Commerce Bancshares, Inc. 203.4% 36 Regions Financial Corporation 84.5% 12 Comerica Incorporated 203.3% 37 Citizens Financial Group, Inc. 81.7% 13 Cullen/Frost Bankers, Inc. 179.2% 38 BankUnited, Inc. 81.3% 14 F.N.B. Corporation 171.5% 39 Northern Trust Corporation 77.9% 15 Investors Bancorp, Inc. 170.3% 40 People's United Financial, Inc. 75.3% 16 CIT Group Inc. 159.3% 41 Webster Financial Corporation 73.6% 17 Citigroup Inc. 158.5% 42 Wells Fargo & Company 70.7% 18 BB&T / SunTrust * 157.7% 43 Huntington Bancshares Incorporated 67.8% 19 PacWest Bancorp 154.3% 44 IBERIABANK Corporation 64.5% 20 Zions Bancorporation, National Association 136.0% 45 Hancock Whitney Corporation 59.6% 21 BOK Financial Corporation 132.9% 46 First Horizon National Corporation 53.9% 22 Associated Banc-Corp 131.4% 47 Sterling Bancorp 47.1% 23 U.S. Bancorp 130.9% 48 Popular, Inc. 34.5% 24 Bank of New York Mellon Corporation 129.2% 49 JPMorgan Chase & Co. NA 25 KeyCorp 127.2% 50 Signature Bank NA Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 32 ALLL / Gross Loans (FY2018)

1 Capital One Financial Corporation 2.92% 26 East West Bancorp, Inc. 0.96% 2 Popular, Inc. 2.14% 27 BOK Financial Corporation 0.95% 3 Citigroup Inc. 1.78% 28 Cullen/Frost Bankers, Inc. 0.94% 4 U.S. Bancorp 1.38% 29 First Citizens BancShares, Inc. 0.88% 5 JPMorgan Chase & Co. 1.37% 30 Western Alliance Bancorporation 0.86% 6 Comerica Incorporated 1.34% 31 UMB Financial Corporation 0.85% 7 CIT Group Inc. 1.29% 32 F.N.B. Corporation 0.81% 8 PNC Financial Services Group, Inc. 1.16% 33 Texas Capital Bancshares, Inc. 0.78% 9 M&T Bank Corporation 1.15% 34 PacWest Bancorp 0.74% 10 Fifth Third / MB Financial * 1.15% 35 Chemical / TCF Financial * 0.72% 11 Webster Financial Corporation 1.15% 36 Umpqua Holdings Corporation 0.70% 12 Commerce Bancshares, Inc. 1.13% 37 People's United Financial, Inc. 0.68% 13 Investors Bancorp, Inc. 1.09% 38 First Horizon National Corporation 0.64% 14 Zions Bancorporation, NA 1.06% 39 Wintrust Financial Corporation 0.63% 15 Citizens Financial Group, Inc. 1.05% 40 Signature Bank 0.62% 16 BB&T / SunTrust * 1.04% 41 IBERIABANK Corporation 0.62% 17 Associated Banc-Corp 1.03% 42 Valley National Bancorp 0.61% 18 Huntington Bancshares Incorporated 1.02% 43 First Republic Bank 0.58% 19 Wells Fargo & Company 1.01% 44 BankUnited, Inc. 0.50% 20 Regions Financial Corporation 1.01% 45 Pinnacle Financial Partners, Inc. 0.47% 21 Bank of America Corporation 1.00% 46 Sterling Bancorp 0.46% 22 SVB Financial Group 0.99% 47 New York Community Bancorp, Inc. 0.40% 23 KeyCorp 0.97% 48 Northern Trust Corporation 0.35% 24 Hancock Whitney Corporation 0.97% 49 State Street Corporation 0.26% 25 Synovus / FCB Financial * 0.97% 50 Bank of New York Mellon Corporation 0.26% Note: Top 50 banks by assets as of 12/31/2018 * Pending acquisition; financials shown represent pro forma assets and pro forma net income, operating metrics for the 'buyer' as of 12/31/2018 Source: S&P Global Market Intelligence 33