ROAA 領先盈利能力 18 • ROAA和ROATCE在過去10年中一直超過同行 • 通過強勁的盈利資產增長,淨利息收入持續增長 • 由於平均收益資產增長和利率上升環境,淨利息收入比2022年增加了1.23億美元,增長了5.6% • 受存款利息支出增加的推動,NIM下降了2個基點 • PPNR比2022年下降了1.77億美元,跌幅12.8% ROATCE注:同行由總部設在美國的19家上市銀行組成,總資產在500億美元至2500億美元之間,不包括目標截至2023年12月31日,有待收購的銀行;來源:標普全球市場情報。1) WAL和大多數同行的 FY2023,其餘部分為 Q3-23 四個季度的平均水平。2) WAL的2023年ROAA、ROATCE和PPNR進行了調整。撥備前淨收入(百萬美元)淨利息收入202美元262美元369美元469美元533美元624美元1,102美元1,384美元1,207美元 2014 2015 2017 2017 2017 2018 2020 2021 2023 385美元493美元657美元785美元916美元1,167美元1,549美元 2,3394.42% 4.51% 4.65% 4.68% 4.68% 3.97% 3.41% 3.97% 3.41% 4.68% 3.97% 3.41% 4.68% 3.97% 3.41% 3.97% 3.41% 4.68% 3.97% 3.41% 4.68% 3.97% 3.97% 3.41% 3.97% 3.97% 3.67% 3.65% 0.50% 1.00% 1.50% 2.50% 3.00% 3.50% 4.00% 4.50% $0.0$5.0$10.0$15.0$20.0$25.0$20.0$25.0$45.045.050.050.050.050.0$50.0$50.0$55.0$60.0$85.0$100.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.0$115.$120.0 $125.0 $130.0 $135.0 $140.0 $145.0 $150.0 $155.0 $160.0 $160.0 $170.0$170.0$175.0 $180.0$180.0$180.0$180.0$185.0$190.0$190.0$190.0$190.0$190.0$190.0 $200.0 $205.0$210.0$215.0$220.0$225.0 $230.0 $235.0 $245.0 $245.0 $250.0 $260.0 $260.0 $270.0 $275.0 $280.0$280.0$280.0$290.0$290.0$290.0$290.0$300.0 $305.0$300.0 $305.0$300.0 $305.0$300.0 $305.0$315.0$315.0$325.0 $335.0 $340.0$345.0$345.0$340.0$345.0$345.0 $355.0 $360.0 $365.0 $370.0 $375.0 $380.0 $385.0 $390.0 $395.0 $400.0 $405.0410.0$415.0415.0420.0425.0 $430.0 $435.0 $445.0 $445.0 $445.0 $445.0 $445.0 $460.0 $475.0 $475.0$485.0$485.0$485.0$450.0 490.0 美元 495.0 美元 500.0 美元 505.0510.0 515.0 520.0 美元 525.0 美元 530.0 美元 535.0 美元 545.0 美元 550.0 美元 555.0 美元 560.0 美元 560.0 美元 570.0 美元 570.0 美元 580.0 美元 580.0 美元 590.0 美元 595.0 美元 610.0 美元 615.0 美元 5620.0 美元 580.0 美元 590.0 美元 595.0 美元 610.0 美元 615.0 美元 620.0625.0 美元 $630.0 $635.0 $640.0 $645.0 $650.0 $655.0 $660.0 $660.0 $665.0 $670.0 $670.0 $675.0 $675.0 $680.0 $680.0 $685.0690.0 $695.0 $700.0 $705.0710.0710.0 715.0 720.0 725.0 $730.0 $745.0 $745.0 $750.0 $765.0 760.0 $760.0 $765.0 $770.0 770.0 $785.0 $785.0 $795.0 815.0$7620.0$7625.0 830.0 美元 835.0 美元 840.0 美元 845.0 美元 850.0 美元 855.0 美元 860.0 美元 870.0 美元 875.0 美元 880.0 美元 880.0 美元 890.0 美元 890.0 890.0 美元 895.0 900.0 美元 905.0 910.0 915.0915.0 925.0 美元 930.0 美元 935.0 美元 945.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 950.0 美元 95.0 美元 970.0 美元 975.0 美元 980.0 美元 985.0 美元 990.0 美元 995.01,000.01,000.01,005.01,01,015.01,020.01,025.01,025.01,030.01,035.01,040.01,045.01,045.01,045.01,040.01,045.01,050.01,085.01,085.01,080.01,090.01,090.01,090.01,090.01,090.01,080.01,090.01,090.01,090.01,090.01,090.01,090.01,090.01,0$1,100.0$1,105.0$1,110.0$1,115.0$1,120。0$1,125.0$1,130.0 $1,135.0$1,140.0 $1,150.0 $1,155.0 $1,160.0 $1,165.0$1,170.0$1,170.0$1,180.0$1,180.0$1,180.0$1,190.01,190.01,190.01,200.01,205.01,230.01,230.01,230.01,230.01,230.0$1,180.0$1,180.0$1,190.01,190.01,190.01,200.01,210.01,230.01,230.01,230.01,230.01,230.01,230.0$1,5.0$1,240.01,245.01,250.01,255.01,260.01,260.01,270.01,270.01,280.01,280.01,290.01,290.01,290.01,290.01,300.01,305.01,310.01,315.01,315.01,330.01,335.01,350.01,345.01,350.01,350.01,350.01,365.01,365.01,350.01,365.01,365.01,350.01,365.01,365.01,350.01,365.01,365.01,350.01,365.01,365.01,365.01,350.01,365.00$1,370.01,375.01,380.01,380.01,390.01,390.01,395.01,400.01,405.01,410.01,415.01,420.01,425.01,430.01,430.01,435.01,445.01,445.01,445.01,445.01,445.01,465.01,475.01,475.0美元 1,475.0美元1,480.01,485.01,490.01,490.01,495.01,500.01,505.01,510.01,515.01,520.01,525.01,535.01,535.01,540.01,545.01,545.01,550.01,550.01,5550.01,550.01,550.01,550.01,560.01,560.01,560.01,560.01,560.01,560.01,5600.01,5600.0美元 $1,610.0$1,615.01,620.01,625.01,630.01,635.01,640.0$1,645.01,650.01,665.01,660.01,660.01,670.01,670.01,670.01,680.01,680.01,685.01,690.01,690.01,690.01,730.01,730.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.01,735.00$1,740.01,745.01,750.01,750.01,760.01,760.01,770.01,770.01,780.01,780.01,780.01,790.01,790.01,790.01,795.01,800.01,805.01,810.01,810.01,815.01,820.01,825.01,830.0美元,835.0$1,840.01,845.01,850.01,855.01,860.01,860.01,870.01,870.01,880.01,880.01,890.01,890.01,890.01,900.01,905.01,900.01,990.01,950.01,950.01,950.01,950.01,950.01,950.01,950.01,950.01,950.01,965.01,960.01,965.01,960.01,965.01,960.01,965.01,960.01,965.01,960.01,965.01,960.05.0$1,970.0$1,975.01,980.01,985.01,990.01,990.02,000.02,000.02,005.02,015.02,020.02,025.02,025.02,030.02,035.02,035.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.02,045.0$2,100.0$2,105.0$2,110.0$2,115.0$2,125.0$2,125.0$2,135.02,140.0$2,145.02,150.02,150.02,155.02,155.02,160.02,160.02,160.02,160.02美元,170.02美元,175.02美元,190.02美元 2,195.02,200.02,205.02,210.02,215.02,220.02,230.02,230.02,245.02,245.02,2255.02,2255.02,260.02,260.02,260.02,270.02,275.02,285.02,285.02,290.02,295.02,300.02,305.02,315.02,315.02,305.02,315.02,315.02,305.02,315.02,315.02,305.02,315.02,315.02$2,320.02,325.02,330.02,335.02,340.02,350.02,355.02,360.02,365.02,370.02,375.02,380.02,385.02,390.02,390.02,390.02,395.02,395.02,395.02,400.02,405.02,415.02,415.02,430.02,435.02,435.02,445.02,445.02,435.02,445.02,435.02,445.02,435.02,445.02,$2,450.02,455.02,460.02,460.02,470.02,475.02,480.02,485.02,490.02,490.02,495.02,500.0 2014 2015 2016 2017 2018 2019 2021 2021 2023 NII NIM 亮點1.50% 1.56% 1.61% 1.72% 2.00% 2.00% 1.61% 1.83% 1.62% 1.24% 0.87% 0.87% 0.97% 1.34% 1.27% 1.27% 1.27% 1.90% 1.12% 2014 2015 2017 2017 2018 2019 2020 2021 2023 WAL 同行 18.7% 17.7% 17.7% 18.6% 10.6% 10.9% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.7% 11.7% 10.14.9% 9.7% 16.5% 19.2% 17.1% 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 WAL 同行 1,2 21,2