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1Confidential and proprietary information. © 2024 Sallie Mae Bank. All rights reserved.Earnings Presentation 1stQuarter 2024
1Confidential and proprietary information. © 2024 Sallie Mae Bank. All rights reserved.Earnings
Confidential and proprietary information. © 2024 Sallie Mae Bank. All rights reserved. 2
The following information is current as of April 24, 2024 (unless otherwise noted) and should be read in connection with the pre ss release of SLM Corporation announcing its financial results for
the quarter ended March 31, 2024, the Form 10- Q for the quarter ended March 31, 2024 filed with the Securities and Exchange Comm ission (“SEC”) on April 24, 2024, and subsequent reports
This Presentation contains “forward- looking statements” and information based on management’s current expectations as of the dat e of this Presentation. Statements that are not historical facts,
including statements about the Company’s (as hereinafter defined) beliefs, opinions, or expectations and statements that assume or are dependent upon future events, are forward- looking
statements. These include, but are not limited to: strategies; goals and assumptions of SLM Corporation and its subsidiaries , collectively or individually as the context requires (the “Company”);
the Company’s expectation and ability to execute loan sales and share repurchases; statements regarding future developments s urrounding COVID -19 or any other pandemic, including, without
limitation, statements regarding the potential impact of any such pandemic on the Company’s business, results of operations, financial condition, and/or cash flows; the Company’s expectation
and ability to pay a quarterly cash dividend on our common stock in the future, subject to the approval of our Board of Direc tors; the Company’s 2024 guidance; the Company’s three- year horizon
outlook; the impact of acquisitions we have made or may make in the future; the Company’s projections regarding originations, net charge- offs, non- interest expenses, earnings, balance sheet
position, and other metrics; any estimates related to accounting standard changes; and any estimates related to the impact of credit administration practices changes, including the results of
simulations or other behavioral observations.
Forward -looking statements are subject to risks, uncertainties, assumptions, and other factors, many of which are difficult to predict and generally beyond the control of the Company, which may
cause actual results to be materially different from those reflected in such forward- looking statements. There can be no assurance that future developments affecting the Company will be the
same as those anticipated by management. The Company cautions readers that a number of important factors could cause actual res ults to differ materially from those expressed in, or implied or
projected by, such forward- looking statements. These factors include, among others, the risks and uncertainties set forth in It em 1A. “Risk Factors” and elsewhere in the Company’s most recently
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