Company Overview - The company is a leading producer of multi-family loans in New York City, focusing on the non-luxury, rent-regulated niche[9] - The company operates over 230 branches in five states with leading market share in many of the markets[13] - Total assets are $56.3 billion, with 76% of which are loans[20] - Total loans are $42.8 billion, including $32.3 billion of multi-family loans[20] - Total deposits are $32.4 billion[20] - Total market capitalization is $4.9 billion[20] Asset Quality and Risk Management - 99% of $6.0 billion of full payment loan deferrals returned to payment status[18] - Only $83.6 million currently remain on full payment deferral and are eligible to come off of their deferral program in the first two months of this year[18] - Multi-family loans represent 75% of the loan portfolio[30] - As of December 31, 2020, $80 million or 0.2% of total outstanding balances are MF & CRE full payment deferrals, compared to $5.9 billion or 15.5% at June 30th[74] Financial Performance and Future Growth - Approximately $10.0 billion of CDs maturing over the next four quarters at an average rate of 0.79%[94] - Approximately $1.0 billion of wholesale borrowings at an average rate of 2.03% maturing over the next four quarters[96] - The efficiency ratio was 41% in 4Q 2020[99]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2020 ☐ 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 1-31565 NEW YORK COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 06-1377322 (State or other jurisdiction of in ...

New York Community Bancorp, Inc. (NYSE:NYCB) Q4 2020 Earnings Conference Call January 27, 2021 8:30 AM ET Company Participants Sal DiMartino - Director, IR Thomas Cangemi - President & CEO John Pinto - CFO Robert Wann - COO Conference Call Participants Ebrahim Poonawala - Bank of America Securities Mark Fitzgibbon - Piper Sandler Chris McGratty - KBW Brock Vandervliet - UBS Steven Alexopoulos - J.P. Morgan Steve Moss - B. Riley Securities Ken Zerbe - Morgan Stanley Dave Rochester - Compass Point Peter Winte ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 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 September 30, 2020 ☐ 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 1-31565 NEW YORK COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 06-1377322 (State or other jurisdicti ...

Third Quarter 2020 Investor Presentation Cautionary Statements Forward-Looking Information This presentation may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, intentions, and expectations regarding revenues, earnings, loan production, asset quality, capital levels, and acquisitions, among other matters; our estimates of future costs and benefits of the actions we may take; our assessments of probable losses on loans; our assessments of ...

Financial Data and Key Metrics Changes - The company reported diluted earnings per common share of $0.23 for Q3 2020, representing a 21% increase year-over-year and a 10% increase sequentially [8] - Net interest income rose 6% to $282 million compared to Q2 and was up 19% compared to Q3 2019 [17] - The provision for credit losses decreased to $13 million from $18 million in the prior quarter and $21 million in Q1 2020 [28] - Total non-interest expenses were $129 million, up 4% compared to both the previous and year-ago quarters [19] Business Line Data and Key Metrics Changes - Total loans increased to $42.8 billion, up $523 million or 5% annualized compared to Q2, driven by growth in the multi-family portfolio [21] - The multi-family loan portfolio grew by $504 million or 6% annualized compared to Q2, attributed to increased refinancing activity and market share gains [22][23] - Specialty finance loans and leases increased by $138 million compared to Q2, with a year-to-date growth of $438 million [23] Market Data and Key Metrics Changes - As of October 22, deferrals represented 7.3% of total loans, down from 14.4% as of June 30, 2020 [13] - The company experienced a significant decline in loans on deferral, with 95% of $3.1 billion of eligible loans returning to payment status [12] - Rent collections in the non-luxury rent-regulated multi-family segment returned to pre-pandemic levels, with vacancy rates below 3% [27] Company Strategy and Development Direction - The company aims to continue double-digit margin expansion, driven by a substantial decline in funding costs [15][50] - The focus remains on conservative underwriting guidelines and proactive borrower outreach to manage credit risk effectively [13][39] - The company is optimistic about future loan performance and expects to maintain strong asset quality metrics [54] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the recovery of loan deferrals and the overall strength of the loan portfolio, anticipating continued positive trends [40][44] - The company acknowledged the challenges posed by the New York City economy but remains optimistic about the multi-family sector's resilience [41][48] - Management indicated that the provision for credit losses would likely remain low if the macroeconomic environment continues to improve [43] Other Important Information - The Board of Directors declared a $0.17 cash dividend per common share, translating to an annualized dividend yield of 8.2% [31] - The company is focused on maintaining operational efficiency, with total expenses expected to be around $507 million for 2020, lower than initial projections [81][100] Q&A Session Summary Question: What is the outlook for the remaining $3 billion in deferrals? - Management reported that 97% of the initial $3 billion in deferrals have been paid, with optimism about future collections and no anticipated second round of deferrals [37][40] Question: How is the company addressing concerns about the New York City economy? - Management acknowledged the challenges but emphasized strong performance in the multi-family sector and low loan-to-value ratios, indicating confidence in refinancing capabilities [41][62] Question: What is the margin outlook for Q4 and beyond? - Management expects continued double-digit margin expansion in Q4, driven by lower funding costs and stable loan yields [50][53] Question: Can you provide details on the company's office exposure? - Management highlighted that office exposure remains a concern, with $800 million in deferrals, but expressed confidence in the ability to manage these loans effectively [112][114] Question: What are the expectations for specialty finance growth? - Management is optimistic about continued growth in the specialty finance portfolio, particularly in auto lending, with zero loans on deferral [75][78]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 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, 2020 ☐ 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 1-31565 NEW YORK COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 06-1377322 (State or other jurisdiction of ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 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, 2020 ☐ 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 1-31565 NEW YORK COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 06-1377322 (State or other jurisdiction o ...

Commission File Number 1-31565 NEW YORK COMMUNITY BANCORP, INC. Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact name of registrant as specified in its charter) Delaware 06-1377322 (State or other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-31565 NEW YORK COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 06-1377322 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 615 Merrick Avenue, Westbury, New York 11590 (Add ...