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WEBSTER FINANCIAL CORPORATION Third Quarter 2021 October 21, 2021Earnings Conference Call
WEBSTER FINANCIAL CORPORATION
October 21, 2021Earnings
Conference Call2 WEBSTER FINANCIAL CORPORATIONSolid financial results and a favorable credit
Loan growth of 2.7% quarter over quarter
excluding PPP loans; average loan growth of
Strong liquidity, capital, and reserve position
Positioned for future growth through
execution on strategic and integration
Reported results include a net of $5.8 million
($4.3 million after-tax) merger related costs
and strategic initiativesThird Quarter 2021 Highlights
INCOME AVAILABLE TO COMMON
INCOME AVAILABLE TO COMMON
ROATCEREPORTED ADJUSTED
Note: See non-GAAP reconciliation on pages 7 and 37 through 38.3 WEBSTER FINANCIAL CORPORATION
Loan Growth of 2.7% LQ excluding PPP
$21,853$21,475 $21,580
$6,932 $6,647 $6,899$1,354$846 $398$13,566$13,982 $14,283
Consumer Loans PPP Loans (all commercial) Commercial Loans3Q20 2Q21 3Q21
Loan Portfolio Yield:
3.40% 3.46% 3.60%Loans
($ in millions unless noted, balances end of period)
LQ growth of $553 million or 2.7% (excl. PPP)
• LQ growth of $105 million or 0.5% including PPP
• Growth in commercial loans ( 2.2% ) and consumer loans
• Loan portfolio yield increased 14 bps
• Floating and periodic to total loans ratio* of 71%
compared to 70% at 2Q21
• Loan balance comprised of 68% commercial loans and
32% consumer loans (including PPP)
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