Wintrust Financial Corporation · NASDAQ:WTFC

Wintrust Financial — Q1 2023 Earnings Presentation

10 slides from Wintrust Financial's earnings presentation, Apr 19, 2023

1. Slide 1: Net Income

   Net Income a |} = z A | a QI 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023

2. Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)

   Pre-tax income, excluding provision for credit losses, (non-GAAP) $300 $280 $260 $240 $220 $200 $180 $160 $140 $120 $100 a | = z | a $269.6 - $206.56 a F $208.9 T T T T T QI 2022 Q2 2022 Q3 2022 Q4 2022 QI 2023 Pre-Tax Income, Excluding Provision for Credit Losses (non-GAAP) == == Pre-Tax Income, Ex

3. Slide 3: Pre-tax income, excluding provision for credit losses (non-GAAP) - Q1 2023 compared to Q4 2022

   Pre-tax income, excluding provision for credit losses (non-GAAP) - Q1 2023 compared to Q4 2022 $280 $3.6 $260 $11.4 8.1 $2.4 S34 Os 228 i] LL -- $(10.2) $240 $220 $200 $180 $160 $2.3 $2.8 $266.6 T T T T T T T T Interest days of investment Covered non- and and Non- Income, Net securities, Call intere

4. Slide 4: Net Interest Income and Net Interest Margin ("NIM")

   Net Interest Income and Net Interest Margin ("NIM") $456.8 $458.0 3.83% 3.81% a w Dp i) 2 g 2 2. | a 2.60% Ql 2022 Q2 2022 Q3 2022 Q4 2022 Ql 2023 NIM (GAAP) NIM (non-GAAP) HE Net Interest Income

5. Slide 5: Total Assets

   Total Assets a i A) a & A T T T T T Ql 2022 Q2 2022 Q3 2022 Q4 2022 Ql 2023

6. Slide 6: Total Loans

   Total Loans a i A) a & A T T T T T Ql 2022 Q2 2022 Q3 2022 Q4 2022 Ql 2023

7. Slide 7: Total Deposits

   Total Deposits a i A) a & A T T T T T Ql 2022 Q2 2022 Q3 2022 Q4 2022 Ql 2023

8. Slide 8: Non-Performing Assets as a percentage of Total Assets

   Non-Perfomning Assets as a percentage of Total Assets T T T T T Ql 2022 Q2 2022 Q3 2022 Q4 2022 Ql 2023

9. Slide 9: of $3.0 million $2.4 million valuation related adjustment on the Company’s held-for-sale portfolio of

   of $3.0 million $2.4 million valuation related adjustment on the Company’s held-for-sale portfolio of early buy-out exercised loans guaranteed by U.S. government agencies which are held at fair value. In addition, in miscellaneous non-interest income, the Company recorded a positive $545,000 valuati

10. Slide 10: Allowance for credit losses and net charge-offs

    Fourth Quarter 2022 132 68 125 125 Second Quarter 2022 139 117 134 125 Cumulative effect adjustment from the adoption of ASU 2022-02 741 — — — — Other adjustments 4 31 (105) (56) 22 Commercial 2,543 3,019 780 8,928 1,414 Home equity — — 43 192 197 Premium finance receivables - property & casualty 4,

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