Customers Bancorp, Inc Investor Presentation October 2021

Published: 2021-10-27 16:36:00 ET CUBI

High Tech Forward-Thinking Bank Supported by High Touch

Investor Presentation

Q3 2021

NYSE: CUBI

Forward-Looking Statements

In addition to historical information, this presentation may contain "forward-looking statements" within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with respect to Customers Bancorp, Inc.'s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed by, or that include the words "may," "could," "should," "pro forma," "looking forward," "would," "believe," "expect," "anticipate," "estimate," "intend," "plan," or similar expressions generally indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole or in part, are beyond Customers Bancorp, Inc.'s control). Numerous competitive, economic, regulatory, legal and technological events and factors, among others, could cause Customers Bancorp, Inc.'s financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in such forward-looking statements, including: the adverse impact on the U.S. economy, including the markets in which we operate, of the coronavirus outbreak, and the impact of a slowing U.S. economy and increased unemployment on the performance of our loan and lease portfolio, the market value of our investment securities, the demand for our products and services and the availability of sources of funding; the effects of actions by the federal government, including the Board of Governors of the Federal Reserve System and other government agencies, that effect market interest rates and the money supply; the actions that we and our customers take in response to these developments and the effects such actions have on our operations, products, services and customer relationships; and the effects of changes in accounting standards or policies. Customers Bancorp, Inc. cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are based on management's current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers Bancorp, Inc.'s filings with the Securities and Exchange Commission, including its most recent annual report on Form 10-K for the year ended December 31, 2020, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any amendments thereto, that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. Customers Bancorp, Inc. does not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by Customers Bancorp, Inc. or by or on behalf of Customers Bank, except as may be required under applicable law. This does not constitute an offer to sell, or a solicitation of an offer to buy, any security in any state or jurisdiction in which such offer, solicitation or sale would be unlawful.

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Customers Bancorp Snapshot

New Line of

Business or

Geography

in 2021

Lines of Business

Community Banking

Specialty Banking

• C&I

• Warehouse Lending

• Multi-Family

• Lender Finance

• CRE

• Fund Finance

• SMB Lending

• Real Estate Specialty Finance

• SBA

• Healthcare Lending

• Residential Mortgage

• Equipment Finance

• Technology and Venture

Capital Banking

• Financial Institutions Group

Digital Banking

Consumer

Commercial

Customers Bancorp

NYSE: CUBI

Headquarters

West Reading, PA

Offices1

37

FTE Employees

623

Market Capitalization2

$1.5B

As of 10/20/21

Total Assets

$19.1B

Tangible Book Value3

$35.12

Data as of 9/30/2021, unless otherwise noted.

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3Q 2021 Highlights: Exceptional Profitability & Growth

Core EPS1

$3.36

Core Earnings1

$113.9M

Core ROCE1

42.16%

3Q 2021 Performance (vs. 3Q 2020)

ProfitabilityBalance Sheet Credit & Capital

3.24%

$14.2B

0.27%

vs. 2.86% in 3Q 2020

+2.5%

-7 bps

NIM1,2

Core Assets1,2

NPA Ratio

2.35%

$10.6B

1.65%

vs. 0.93% in 3Q 2020

-9.3%

-37 bps

Core ROAA1

Total Loans and Leases1,2

Reserve Coverage1,2

3.36%

$17.0B

8.1%

vs. 1.43% in 3Q 2020

+56.6%

+214 bps

Adjusted PTPP ROAA1

Total Deposits

TCE/TA (ex. PPP)1,2

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Strategic Priorities

Commercial

Geographic Expansion

Specialty Lending Expansion

Continued Growth of Existing Verticals

SBA Growth

Multifamily

Consumer

Direct Originations

Consumer Gain on Sale Revenue

Fintech Banking

New Products

Digital

Customers Bank Instant Token ("CBIT")

New Vertical Expansion

Digital SMB

Rebranding and Website Relaunch

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Disclaimer

Customers Bancorp Inc. published this content on 27 October 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 27 October 2021 20:33:16 UTC.