Financial Data and Key Metrics Changes - Ladder generated distributable earnings of $38.9 million or $0.31 per share for Q4 2022, and $148.4 million or $1.16 per share for the full year 2022, representing a 9.7% after-tax return on equity [6][12] - The adjusted leverage ratio stood at 1.9x as of December 31, with a net leverage ratio of 1.1x when excluding cash and securities [9][3] - The company reported over $900 million in same-day liquidity, which includes cash, cash equivalents, and undrawn corporate revolver capacity [9][3] Business Line Data and Key Metrics Changes - The balance sheet loan portfolio totaled $3.9 billion, primarily floating rate and diversified in collateral and geography, with a focus on multi-family assets [16] - In 2022, Ladder originated $1.2 billion in balance sheet loans, with two-thirds being multifamily or manufactured housing [21] - The real estate portfolio generated net rental income of $67.9 million in 2022, contributing to distributable earnings [25] Market Data and Key Metrics Changes - 82% of the loan portfolio consists of 2021 and 2022 vintage loans, with 40% of the portfolio in multifamily or manufactured housing [16][22] - The company reported a competitive total cost of debt capital of 5.34% at the end of Q4 2022, benefiting from a large base of fixed-rate unsecured debt [14] Company Strategy and Development Direction - Ladder's strategy focuses on basis lending on smaller middle-market loans, with a strong emphasis on credit discipline and liquidity management [23][27] - The company aims to deploy significant liquidity into higher rate environments to grow earnings in 2023 and beyond [27] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to navigate the current economic environment, highlighting strong liquidity and a diversified asset base [41][44] - The management team anticipates continued benefits from rising interest rates, which should enhance net interest income [36][92] Other Important Information - The company increased its quarterly dividend by 15% over the course of 2022, which remains well covered by net interest margin and net rental income [12][34] - Ladder's unencumbered asset pool stood at $3 billion, with 76% comprised of cash and cash equivalents and first mortgage loans [19] Q&A Session Summary Question: What is the current stock valuation for Ladder? - Management noted that despite a drop in stock price, the company has successfully raised dividends and expects to continue doing so based on strong earnings performance [86][88] Question: How does the company view the risk in multifamily loans originated post-COVID? - Management indicated that they have maintained a cautious approach to underwriting, focusing on high-quality assets and avoiding over-leveraged deals [91][96] Question: Can you provide details on the recent equity investment sales? - Management confirmed the sale of three properties, including a significant office asset, and provided details on cap rates and gains associated with these sales [113][120]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36299 Ladder Capital Corp https://reportify- 1252068037.cos.ap beijing.myqcloud.c (Exact name of registra ...

Ladder Capital Corp. (NYSE:LADR) Q3 2022 Earnings Conference Call October 27, 2022 5:00 PM ET Company Participants Pamela McCormack - Founder & President Brian Harris - Founder & Chief Executive Officer Paul Miceli - Chief Financial Officer Conference Call Participants Chris Muller - JMP Securities Jade Rahmani - KBW Rich Gross - Columbia Threadneedle Investments Matthew Howlett - B. Riley Securities Operator Good afternoon and welcome to Ladder Capital Corp's Earnings Call for the Third Quarter of 2022. As ...

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36299 Ladder Capital Corp (Exact name of registrant as specified in its charter) (State or other jurisdiction ...

Investment Portfolio & Activity - Ladder Capital originated $371 million in loans, with $347 million funded at closing, and also funded $20 million of pre-existing loan commitments[11] - The company sold two CRE equity investments for $84 million in net sales proceeds, contributing $15 million to distributable earnings[11] - The total loan portfolio carrying value of assets was $4.023 billion[18] - Securities segment assets had a carrying value of $617 million with a weighted-average yield of 2.9%[19] Portfolio Composition & Financials - Total assets were $5.8 billion, including $4.0 billion in loans (69% of total), $788 million in real estate equity (13%), and $617 million in securities (11%)[11] - Distributable Earnings were $43.7 million and Distributable EPS was $0.34[12] - The company declared a Q2 2022 cash dividend of $0.22 per LADR share, a 10% increase vs Q1 2022, representing a 7.6% annual dividend yield[12] - Net interest income was $22.6 million[37] Capital Structure & Leverage - The company had $2.9 billion of unencumbered assets (49% of total assets), including $217 million of unrestricted cash[12] - The Adjusted Leverage Ratio was 1.8x, or 1.7x net of cash[12] - Non-Recourse, Non-Mark-to-Market & Unsecured Debt + Book Equity comprised 84% of total capitalization[26]

1 INVESTOR INVESTOR PRESENTATION PRESENTATION OCTOBER 2021 MAY 2022 NYSE: LADR NYSE: LADR A Leading Commercial Real Estate Investment Trust A Leading Commercial Real Estate Investment Trust DISCLAIMERS 2 This presentation contains forward-looking statements regarding possible or assumed future results of the business, financial condition, plans and objectives of Ladder Capital Corp and its subsidiaries and affiliates (collectively, "Ladder Capital," "Ladder," "LADR," or the "Company"). Any statement concern ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-36299 Ladder Capital Corp https://reportify- 1252068037.cos.ap beijing.myqcloud.c (Exact name of registrant a ...

DRAFT (03/31/2022; 4:30 PM) INVESTOR S-0 PRESENTATION SUPPLEMENTAL DATA FOR THE QUARTER ENDED MARCH 31, 2022 OCTOBER 2021 NYSE: LADR NYSE: LADR A Leading Commercial Real Estate Investment Trust A Leading Commercial Real Estate Investment Trust DISCLAIMERS S-1 This presentation contains forward-looking statements regarding possible or assumed future results of the business, financial condition, plans and objectives of Ladder Capital Corp and its subsidiaries and affiliates (collectively, "Ladder Capital," "L ...

Ladder Capital Corp. (NYSE:LADR) Q1 2022 Results Conference Call April 28, 2022 5:00 PM ET Company Participants Pamela McCormack - President Brian Harris - CEO Paul Miceli - CFO Robert Perelman - Head, Asset Management Conference Call Participants Jade Rahmani - KBW Ricardo Chinchilla - Deutsche Bank Eric Hagen - BTIG Matthew Howlett - B. Riley Chris Muller - JMP Securities Operator Good afternoon, and welcome to Ladder Capital Corp's Earnings Call for the First Quarter of 2022. As a reminder, today's call ...

DRAFT (12/31/2021; 4:30 PM) S-0 INVESTOR SUPPLEMENTAL DATA FOR THE PRESENTATION QUARTER AND YEAR ENDED DECEMBER 31, 2021 OCTOBER 2021 NYSE: LADR NYSE: LADR A Leading Commercial Real Estate Investment Trust A Leading Commercial Real Estate Investment Trust DISCLAIMERS S-1 This presentation contains forward-looking statements regarding possible or assumed future results of the business, financial condition, plans and objectives of Ladder Capital Corp and its subsidiaries and affiliates (collectively, "Ladder ...