Live Oak Bancshares, Inc. (NYSE:LOB) Q4 2023 Earnings Conference Call January 25, 2024 9:00 AM ET Company Participants Greg Seward – Chief General Counsel and Chief Risk Officer Chip Mahan – Chairman and Chief Executive Officer Walt Phifer – Chief Financial Officer BJ Losch – President-Live Oak Bank Conference Call Participants Steven Alexopoulos – JPMorgan Brandon King – Truist Michael Perito – KBW Operator Good morning, ladies and gentlemen, and welcome to the Live Oak Bancshares Q4 Earnings Conference Ca ...

$ in millions Balanced expense management through 2023, after growth in 2021-2022 from investing in our operations and technology teams $80 $60 ©2024 Live Oak Bancshares. All rights reserved. | View all disclosures at end of presentation A MERICAN 20 SBA lenders for 20 ©2024 Live Oak Bancshares. All rights reserved. FINANCIAL HIGHLIGHTS ©2024 Live Oak Bancshares. All rights reserved. | View all disclosures at end of presentation ©2024 Live Oak Bancshares. All rights reserved. | View all disclosures at end o ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 or o Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Wilmington, North Carolina 28403 (Address of principal executive offices) (Zip Code) (910) 790-5867 For the transition period from ________ to ________. Commission file number: 0 ...

LIVE OAK BANCSHARES, INC. ($ IN MILLIONS, EXCEPT PER SHARE DATA) 0.42% 0.22% 0.16% 0.15% 0.13% 0.11% 0.09% 0.08% Q4 2021 ◦ Added reserves for growth, future outlooks and unfunded commitments Live Oak Funding Costs and % Non-Interest Bearing Deposits Margin 2 ©2023 Live Oak Bancshares. All rights reserved. | View all disclosures at end of presentation Classified / ◦ Deposit rates/Interest expense; Faster, higher move in mid-late March 3.37% 2.69% Information in this presentation may contain "forward-looking ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q3 2023 Earnings Conference Call October 26, 2023 9:00 AM ET Company Participants Greg Seward - General Counsel & Chief Risk Officer Chip Mahan - Chairman & Chief Executive Officer BJ Losch - President & Chief Financial Officer Steven Smits - Chief Credit Officer Conference Call Participants Brandon King - Truist Securities Michael Perito - ABW Eric Spector - Raymond James Alex Lau - JPMorgan Operator Good morning, ladies and gentlemen, and welcome to the Live Oak Bancsh ...

FORM 10-Q x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the transition period from ________ to ________. Commission file number: 001-37497 LIVE OAK BANCSHARES, INC. (Exact name of registrant as specified in its charter) North Carolina 26-4596286 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 1741 Tiburon Drive Wilmingto ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q2 2023 Earnings Conference Call July 26, 2023 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel Chip Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer and Chief Banking Officer Huntley Garriott - President, Live Oak Bank Steven Smits - Chief Credit Officer Conference Call Participants Crispin Love - Piper Sandler Steven Alexopoulos - JP Morgan David Feaster - Raymond James Brandon King - Truist Securi ...

APPENDIX: LIVE OAK VENTURES $117 $131 Cash Proceeds2 to Date $164 million Vantaca UPLINQ | --- | --- | --- | --- | --- | |-------|------------------------------------------------------------------------------------------------|-------|-----------------------------------------------------------------------------|------------------------------------------------------------------------| | | VERTICALITY | | SCALABILITY | OPTIONALITY | | | Differentiated lending model dedicated to small businesses | | Building t ...

Table of Contents For the quarterly period ended March 31, 2023 or o 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: 001-37497 LIVE OAK BANCSHARES, INC. UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 (Address of principal executive offices) (Zip Code) (910) 790-5867 (R ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q1 2023 Earnings Conference Call April 27, 2023 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer Huntley Garriott - President William Losch - Chief Financial Officer Steven Smits - Chief Credit Officer Conference Call Participants Brandon King - Truist Securities Crispin Love - Piper Sandler Steven Alexopoulos - JPMorgan David Feaster - Raymond James Operator Good morning, ladies and ...