New York Community Bancorp (NYCB) Presents At 22nd Annual Credit Suisse Virtual Financial Services Forum - Slideshow

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]