Hilltop Holdings Inc. (NYSE:HTH) Q3 2022 Earnings Conference Call October 21, 2022 9:00 AM ET Company Participants Erik Yohe - Executive Vice President Jeremy Ford - President and Chief Executive Officer William Furr - Chief Financial Officer Conference Call Participants Brad Milsaps - Piper Sandler Thomas Wendler - Stephens, Inc. Carl Doirin - Raymond James Woody Lay - KBW Operator Hello and welcome to today’s Hilltop Holdings Third Quarter 2022 Earnings Conference Call. My name is Alex, and I will be coor ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 1-31987 Hilltop Holdings Inc. (Exact name of registrant as specified in its charter) Maryland 84-1477939 (State or other jurisdiction of incorporation or (I.R.S. Em ...

Hilltop Holdings Inc. (NYSE:HTH) Q2 2022 Earnings Conference Call July 22, 2022 9:00 AM ET Company Participants Erik Yohe - Executive Vice President Jeremy Ford - President and Chief Executive Officer Will Furr - Chief Financial Officer Conference Call Participants Brady Gailey - KBW Michael Rose - Raymond James Brad Milsaps - Piper Sandler Matt Olney - Stephens Operator Good morning and welcome to today’s Hilltop Holdings Second Quarter 2022 Earnings Conference Call. My name is Candice, and I will be your ...

Hilltop Holdings Inc. Q2 2022Earnings Presentation July 22, 2022 Preface Corporate Headquarters Additional Information 6565 Hillcrest Ave Dallas, TX 75205 Phone: 214-855-2177 www.hilltop-holdings.com Please Contact: Erik Yohe Phone: 214-525-4634 Email: eyohe@hilltop-holdings.com FORWARD-LOOKING STATEMENTS This presentation and statements made by representatives of Hilltop Holdings Inc. ("Hilltop" or the "Company") during the course of this presentation include "forwardlooking statements" within the meaning ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 1-31987 Hilltop Holdings Inc. (Exact name of registrant as specified in its charter) Maryland 84-1477939 (State or other jurisdiction of incorporation or (I.R.S. E ...

Hilltop Holdings Inc. Q1 2022Earnings Presentation April 22, 2022 Preface Corporate Headquarters Additional Information 6565 Hillcrest Ave Dallas, TX 75205 Phone: 214-855-2177 www.hilltop-holdings.com Please Contact: Erik Yohe Phone: 214-525-4634 Email: eyohe@hilltop-holdings.com FORWARD-LOOKING STATEMENTS This presentation and statements made by representatives of Hilltop Holdings Inc. ("Hilltop" or the "Company") during the course of this presentation include "forwardlooking statements" within the meaning ...

Hilltop Holdings Inc. (NYSE:HTH) Q1 2022 Results Earnings Conference Call April 22, 2022 9:00 AM ET Company Participants Erik Yohe - Executive Vice President Jeremy Ford - President and Chief Executive Officer Will Furr - Chief Financial Officer Conference Call Participants Michael Young - Truist Brad Milsaps - Piper Sandler Michael Rose - Raymond James Matt Olney - Stephens Brady Gailey - KBW Operator Hello, everyone. And a warm welcome to the Hilltop Holdings First Quarter 2022 Earnings Conference Call an ...

Interest Rate Risk Management - The banking segment's net interest income is significantly influenced by interest rate changes, with a positive GAP indicating that net interest income would generally rise if rates increase [694]. - The banking segment employs various risk management techniques, including interest rate shock analysis and simulation analysis, to mitigate interest rate risk [692]. - Interest rate risk in the broker-dealer segment is managed by setting limits on the size and duration of positions and monitoring the length of time securities can be held [703]. - Interest rate risk management strategies include executing forward commitments to sell mortgage-backed securities (MBS) to mitigate earnings volatility [709]. - The company has established policies to manage exposure to interest rate changes within acceptable limits [711]. Impact of Interest Rate Changes - As of December 31, 2021, a 300 basis point increase in interest rates is projected to increase net interest income by $116,716 thousand (32.90%) and economic value of equity by $525,978 thousand (29.27%) [699]. - A 300 basis point increase in interest rates would result in a $128,097 thousand (33.43%) increase in net interest income [716]. - The estimated impact of a 200 basis point increase in interest rates would yield an $83,367 thousand (21.76%) increase in net interest income [716]. - The company’s consolidated earnings are significantly dependent on net interest income, influenced by interest rate changes [714]. Asset and Liability Management - Total interest sensitive assets amount to $14,122,153 thousand, while total interest sensitive liabilities are $8,258,335 thousand, resulting in an interest sensitivity gap of $5,863,818 thousand [695]. - The cumulative interest sensitivity gap shows that 41.52% of total interest sensitive assets are covered by the cumulative gap [695]. - The banking segment's asset sensitivity is largely due to loans that adjust daily or monthly to the Wall Street Journal Prime rate [694]. - Projected changes in net interest income are impacted by heightened cash balances, which represent a significant portion of the Bank's asset sensitivity [699]. - The broker-dealer segment's funding sources include customer cash balances and bank borrowings, which expose it to interest rate risk [702]. Mortgage Segment Exposure - The mortgage origination segment is significantly exposed to interest rate risk, affecting mortgage-related assets and commitments [708]. - The average holding period for mortgage loans from funding to sale is approximately 30 days, impacting interest rate risk management [709]. - The company has expanded its residential mortgage servicing operations, increasing the portfolio of retained mortgage servicing rights (MSR) [710].

Hilltop Holdings Inc. Q4 2021Earnings Presentation January 28, 2022 Preface Corporate Headquarters Additional Information 6565 Hillcrest Ave Dallas, TX 75205 Phone: 214-855-2177 www.hilltop-holdings.com Please Contact: Erik Yohe Phone: 214-525-4634 Email: eyohe@hilltop-holdings.com FORWARD-LOOKING STATEMENTS This presentation and statements made by representatives of Hilltop Holdings Inc. ("Hilltop" or the "Company") during the course of this presentation include "forward-looking statements" within the mean ...

Hilltop Holdings Inc. (NYSE:HTH) Q4 2021 Earnings Conference Call January 28, 2022 9:00 AM ET Company Participants Erik Yohe – Investor Relations Jeremy Ford – President and Chief Executive Officer Will Furr – Chief Financial Officer Conference Call Participants Michael Young – Truist Securities Matt Olney – Stephens Brad Milsaps – Piper Sandler John Yan Tunis – Raymond James Operator Good morning. My name is Candice and I will be your conference operator today up this time. I would like to welcome everyone ...