Annual Profile | 2020

CORPORATE PROFILE

Bank of the West is a financial services company headquartered in San individuals, families and businesses. As the for a changing world, Francisco with $96 billion in assets as of 12/31/2020. With community Bank of the West is committed to sustainable finance along with our bank roots dating back more than 140 years, Bank of the West operates a parent company BNP Paribas, a leading bank in Europe, which has a network of retail, wealth, commercial and business banking branches and presence in 71 countries with nearly 200,000 employees. offices in 24 states. The bank has nearly 10,000 team members serving the needs of 1.8 million customers.

Through major business areas - Commercial Banking, Consumer Banking, and Wealth Management - Bank of the West originates commercial, small business and consumer loans and leases, and offers a wide range of banking, trust and investment solutions for individuals and businesses.

In addition to banking products offered by Bank of the West, investment and insurance services are offered through its subsidiary, BancWest Investment Services, a registered broker/dealer.

Through digital channels and offices across the U.S., Bank of the West Retail Banking Locations Wealth Management Centers Retail Banking Locations Wealth Management Centers Business Banking Locations Commercial Banking Centers provides financial tools and resources to approximately 1.8 million Business Banking Locations Commercial Banking Centers

2020 RESULTS KEY FIGURES As of 12/31/2020

Bank of the West achieved full year 2020 earnings of $594.4 million.

Results were lower than prior year primarily due to higher provisions for ASSETS ATMS loan losses associated with the Covid-19 environment. $96B 770 Net Banking Income grew 5% compared to prior year due to strong growth in customer deposits and higher mortgage banking income, offsetting the DEPOSITS **CUSTOMERS impacts of a challenging interest rate environment. Operating Expenses $79.8B 1.8M grew 1% vs. prior year reflecting solid expense controls. Total average

customer deposits rose 18% from prior year due to lower customer LOANS & LEASES TEAM MEMBERS spending activity and impacts of government stimulus, while the loan portfolio remained flat vs. prior year with growth in the core loan portfolio $60.7B 9,681

offset by the impact of run-off of the discontinued auto portfolio. CHARITABLE CONTRIBUTIONS *RETAIL BANKING LOCATIONS (ANNUAL) Efficiency ratio improved to 62.9% for 2020, better by 2.6% compared to 533 $5.9M prior year while capital ratios remain strong (Tier 1 Capital Ratio 13.7% or 135bps favorable to prior year).

Bank of the West’s parent company BNP Paribas earned 7.1 billion euros in *Does not include satellite and hub locations **Customer count includes bank-wide individual and business accounts the year ending 31 December 2020. (does not include secondary customers) Annual Profile | 2020

LEADERSHIP Bank of the West is one of the largest headquartered in for SBA loans3, and a leading bank lender in the RV/Marine and religious and the 31st largest1 commercial bank in the U.S. by assets. institution sectors4

While Bank of the West is one of the largest banks in the U.S., we take Bank of the West also serves clients through offices in Atlanta, Chicago, pride in preserving our local focus, our award-winning relationship Dallas and New York, our international offices in and , and banking approach, and being among the industry-leading banks for works in tandem with the Network Business Development Desk of customer service. BNP Paribas China which has branches in Shanghai, Beijing, Tianjin, Guangzhou and a representative in Chengdu. The bank is the second-largest agriculture bank lender,2 third-largest

AWARDS & ACCOLADES

Family Wealth Report: Family Global Finance Kantar TNS Wealth Counseling Best Private Bank in the West (U.S.) 2019 Choice Award for Excellence in Consumer Private Asset Management: Best Consulting Retail Banking in the Western U.S., 2017 Firm for Family Offices, 2018 Human Rights Campaign (HRC) Foundation Corporate Equality Index World Finance Forbes Bank of the West earns 100% Score, 2019-2021 Best Commercial Bank U.S. West, 2014-2020 America’s Best-In-State Employers 2020 Best Employers for Diversity, 2020 Kiplinger’s Personal Finance Magazine Best Employers for Women, 2019-2020 Best Regional Bank in the West, 2019 America’s Best Employers, 2017

CREDIT RATINGS As of 12/31/2020 LOAN PORTFOLIO As of 12/31/2020

Long-term Short-term Long-term Short-term Real Estate  issuer issuer deposits deposits 3% Construction Commercial, Financial  Real Estate  30% & Agricultural 24% Commercial MOODY’S A3 P-1 Aa3 P-1 Other Equipment  1% 2% Leases FITCH A F1 A+ F1 Consumer  Real Estate  23% Installment Loans Residential STANDARD & POOR’S A A-1 17%

Deposits CAPITAL RATIOS As of 12/31/2020 FINANCIAL HIGHLIGHTS Assets Deposits & Assets (dollars in billions)

TIER I RISK-BASED TOTAL RISK-BASED  TIER I  90 93 96 CAPITAL RATIO CAPITAL RATIO LEVERAGE RATIO 84 88 $80 76 80 70 67 71 62 13.73% 15.01% 10.29% $60 54 $40

$20

$0 1 S&P Global Market Intelligence (based on FDIC data as of 12/31/2020) 2015 2016 2017 2018 2019 2020 2 S&P Global Market Intelligence (based on FDIC data as of 12/31/2020) 3 U.S. Small Business Administration 504 data 4 Market Share Reporting via Statisticalsurveys.com

Member FDIC. Equal Housing Lender. © 2021 Bank of the West. Doing business in as Bank of the West California