Old National Bancorp(ONB) - 2024 Q1 - Earnings Call Presentation

CRE Non-Owner Occupied Details • Manageable volume of loans subject to refinance risk • Predominantly multifamily; continues to experience stronger demand and rents • ~1% of total loans that are CRE non-owner occupied mature within 18 months at <4% rate • Loans underwritten at +300 bps over current market rates ONB Peer Average $0-$250k >$250k$16k $960k$26k 1 (excludes acquisition of CapStar Financial Holdings, Inc.) Contractual Accretion 1 Projected Remaining Loan Discount $ in millions 1 Projections are ...