Banner Corporation · NASDAQ:BANR
Banner — Piper Jaffray Financial Institutions Conference (May 2016)
23 slides from Banner's conference presentation, May 5, 2016
Slide 1: Piper Jaffray Financial Institutions Conference
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Slide 2: Disclosure Statement
Disclosure Statement Today's presentation deals with Banner's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or ‘goals for future operations, products or services, forecast of financial or other performance measur
Slide 3: Building value at Banner
Building value at Banner Building value for stakeholders by focusing on core banking competency that is sustainable through change events and scalable with acquisition growth Banner Corporation Assets $978 Deposits $8.08 Loans $7.28 a Offices 190 Assets $028 $048 $4.58 Employees 1,950 Deposits $0.28
Slide 4: Building value at Banner
Building value at Banner Core banking competency Growing revenue Protecting net interest margin Spending carefully Maintaining a moderate risk profile Employing capital wisely Take advantage of ideal geography Offer super community bank value proposition Guard and improve reputation Grow market shar
Slide 5: Strong Population Growth Forecast
Caen 508 HEA HX Gown ws 9 Regn baa aaa US rion tt Untod Sates SUBD 36K6 16% Growin Strong Population Growth Forecast United States. ni ice ° Oregon, vd cate ms sd i 2 (2 oO 5% 10K 15% 20K 25x
Slide 6: Growing revenue ... in an ideal geography
Growing revenue ... in an ideal geography owerful and diverse economic driver: From Banner's Pacific Northwest base to ... California From Apple @& Techncley Microsoft (ite) amazon gaicron @txpedio (ipincanstngs Manuiacuins 75 wererwe (ie) PACAR from Silicon Valley to the Central Valley. consumer am
Slide 7: Growing revenue
Growing revenue Offer super community bank value propositio! Broad product offerings serving middle market, small business and consumer client base Decision making as close to client as possible Delivery channels aligned to maximize tactical execution of strategic plan Community investment
Slide 8: Growing revenue
Growing revenue rd and improve reputation Included in Forbes 2014: “America's 50 Most Trustworthy Financial Companies” Received highest ratin: BauerFinancial Star Rating™ Named SBA “Regional Lender of the Year" for Seattle/Spokane District following two years as “Community Lender of the Year” Releas
Slide 9: Growing revenue
Growing revenue Grow transact 400 3 550 i rer] te ee 300 rae 20 “wns + Excluding all acquisitions, the number of trans- ssiiieaiaaa 2009, a 9.6% compound annual growth rate 200 cat scaunishasinee ton abied. a ‘ 1 Gankintrestbeaing San teal 100 ° FPP PM KS PK OK
Slide 10: Growing revenue
‘owing revenue - - ae 2
Slide 11: Building value at Banner
Building value at Banner Core banking competency Growing revenue Protecting net interest margin Spending carefully Maintaining a moderate risk profile Employing capital wisely Protecting net interest margin Improve earning asset mix Improve funding mix Reduce Maintain loan-to-deposit ratio 10
Slide 12: Protecting net interest margin
Protecting net interest margin 12/31/2009 05/51/2016 me Improve Funding Mix 12/31/2009 03/1/2016
Slide 13: win
win F
Slide 14: Protecting net interest margin
Protecting net interest margin Net Noncore Funding Dep earner ox 85% \ , 80%
Slide 15: Protecting net interest margin
Protecting net interest margin Maintain top quartilenet interest margin| OSIN6 § 91M 413% $267m 411% 12/31/09 § 39m 353% Si46m 336% som Ne Intra Margin Spree manta eeeeeerermatcrae % 1% Eaming Asset Yield Funding Cost Nee inert Margin
Slide 16: Building value at Banner
Building value at Banner Core banking competency Growing revenue Protecting net i erest margin Spending carefully Maintaining a moderate risk profile Employing capital wisely ending carefully Benefit from scale ‘AmericanWest provides scale Per the original transaction metrics Control core operating
Slide 17: Spending carefully
Spending carefully icine Ratio Compensatic xo ll 20 10 | ° = tmctency Ratio $e ee E
Slide 18: Building value at Banner
Building value at Banner Core banking competency Growing revenue Protecting net interest margin Spending carefully Maintaining a moderate risk profile Employing capital wisely Maintaini ga moderate risk profile Embrace effective enterprise risk management Minimize nonperforming assets Maintain appro
Slide 19: Maintaining a moderate risk profile
Maintaining a moderate risk profile
Slide 20: Maintaining a moderate risk profile
ing a moderate risk profile 20% 1x co
Slide 21: Building value at Banner
Building value at Banner Core banking competency Growing revenue Protecting net interest margin Spending carefully Maintaining a moderate risk profile Employing capital wisely ing capital premium to tangible book value Pay appropriate dividends Prepare for future opportunities 20
Slide 22: Maintain premium to tangible book value
Maintain premium to tangible book value ah
Slide 23: Building value at Banner
Building value at Banner Building value for Shareholders by delivering top quartile financial performance Clients by delivering super community bank service and products Employees by offering opportunity and reward Communities by providing capital and staying involved 2
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