Arbor Realty Trust · NYSE:ABR

Arbor Realty Trust — Investor Presentation (August 2026)

21 slides from Arbor Realty Trust's investor presentation, August 2026

  1. Slide 1: Investor Presentation

    Investor Presentation August 2026 1

  2. Slide 2: Legal Disclosures

    Legal Disclosures This presentation and the information contained herein (together, this “Presentation”) are for the benefit of the stockholders of Arbor Realty Trust, Inc. (together with its direct and indirect subsidiaries, “we,” “us,” “our,” “Arbor,” or the “Company”). This Presentation is solely

  3. Slide 3: Arbor is a Leading Commercial Mortgage REIT with a Differentiated Business Model

    Arbor is a Leading Commercial Mortgage REIT with a Differentiated Business Model Business Platform  Arbor Realty Trust is an internally-managed mortgage REIT with Multiple revenue opportunities across borrower’s life cycle a premium operating platform and unique business model, GSE loan Bridge and

  4. Slide 4: Arbor has a 40+ Year Track Record of Excellence in the Multifamily Lending Sector

    Arbor has a 40+ Year Track Record of Excellence in the Multifamily Lending Sector ACM receives Arbor wins the #1 DUS Arbor National Freddie Mac Multifamily Lender Mortgage We believe Arbor is the Seller/Servicer Excellence in founded by Ivan Arbor Commercial only commercial designation and Operation

  5. Slide 5: We Believe Arbor is the Only Multifamily Mortgage Lender to Survive the Great Financial Crisis

    We Believe Arbor is the Only Multifamily Mortgage Lender to Survive the Great Financial Crisis Peer group pre-GFC Timeline Peer group post-GFC Arbor pays down approximately As a result of transforming its balance sheet proactively and $189M in warehouse and term debt prioritizing liquidity, Arbor is

  6. Slide 6: Best-in-Class, Highly Aligned Management Team

    Best-in-Class, Highly Aligned Management Team ✓ Internalized, highly aligned management team with significant ownership ✓ Deep bench of talented employees ✓ Industry-leading expertise with deep-rooted relationships across commercial real estate space ✓ Best-in-class underwriting and origination capa

  7. Slide 7: Arbor has Two Distinct Yet Complementary Business Lines

    Arbor has Two Distinct Yet Complementary Business Lines Structured Business Agency Business  Originate real estate loans and hold on balance sheet  Originate, sell, and service real estate loans for GSEs  Short-term assets: Loans held-for-sale1 Description  Invests in the multifamily, Single-Fam

  8. Slide 8: Arbor's Adaptable Originations Platform Drives Industry-Leading Performance

    Arbor’s Adaptable Originations Platform Drives Industry- Leading Performance 1H26 2025 2024 2023 ~$2.9B ~$8.4B ~$6.8B ~$6.8B 16% 4% 18% 6% 26% 1% 18% 7% 6% 2% 14% 1% 2% 1% 19% 1% 61% 59% 64% 74% 1 Average Duration  GSE/Agency – Predominately five to ten-year fixed-rate loans; includes long-dated pr

  9. Slide 9: Arbor has the Leading Nationwide Agencies Origination and Servicing Platform

    Arbor has the Leading Nationwide Agencies Origination and Servicing Platform Total Agency Originations ($B) Agency Servicing Portfolio ($B) Fannie Mae Freddie Mac FHA Conduit Private Label SFR Fannie Mae Freddie Mac FHA Private Label SFR Bridge $6.7 $36.2 $36.7 $6.4 $33.5 $31.0 1.0 1.5 $5.1 $5.1 $28

  10. Slide 10: Annuity Based Business Model Drives Diversified Income Streams

    Annuity Based Business Model Drives Diversified Income Streams Other Diversified Platform Significant Long-Dated, Predictable Annual Cash Flow1 Income Sources $128M Gain on Sale $251M $126M $70M $122M Equity Investments $55M $173M $81M 2 Servicing Revenue Cash/Escrow Earnings 2 $34M Net Interest Inc

  11. Slide 11: Arbor Has a Consistent Track Record of Book Value Appreciation and Outperformance

    Arbor Has a Consistent Track Record of Book Value Appreciation and Outperformance Arbor has operated with best-in-class performance metrics and significantly outperformed peers in book value appreciation A 40% 20% 13% 0% (20%) (34%) (40%) 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 ABR BVPS Peer Avg BVPS Sou

  12. Slide 12: Key Investment Highlights

    Key Investment Highlights Adaptable Focused on the originations resilient platform enables multifamily pursuit of most lending market attractive lending opportunities Arbor benefits from strong Highly diversified momentum on Leading capital structure key priorities nationwide and liquidity agencies

  13. Slide 13: Recent Accomplishments Demonstrate Arbor's Focus on Operational Excellence

    Recent Accomplishments Demonstrate Arbor’s Focus on Operational Excellence  Originated $5.1B of Agency loans in FY 2025, including $3.6B in the second half of the year Resilience  FY 2025 total represents a 13% increase over $4.5B originated in FY 2024 under  Servicing portfolio increased 9% sinc

  14. Slide 14: Arbor's Loan Portfolio is Focused on the Highly Stable, Liquid and Resilient Multifamily Market

    Arbor’s Loan Portfolio is Focused on the Highly Stable, Liquid and Resilient Multifamily Market LOAN TYPE ✓ Primary focus on stable multifamily senior Mezz loans 3% Bridge ✓ Generates strong leveraged returns 93% Pref Eq 2% APC 2% ✓ Geographically diversified ASSET CLASS Balance sheet business drive

  15. Slide 15: Arbor is Singularly Focused on Accelerating the Resolution of Non-Performing Assets

    Arbor is Singularly Focused on Accelerating the Resolution of Non-Performing Assets Continue to make progress by resolving more non-interest earning assets versus new defaults. In 1H26, non-performing assets are down 4% as Arbor accelerates the resolution process Non-Performing Assets - 2025-2026 ($

  16. Slide 16: Arbor Has a Defined Path to Resolve Nearly All Existing Delinquencies and Reduce REO

    Arbor Has a Defined Path to Resolve Nearly All Existing Delinquencies and Reduce REO Substantially by Year-End VISIBLE PATH TO ADDRESS ~$1.1B OF NON-PERFORMING ASSETS DELINQUENCIES | $525M PROJECTED RESOLUTION Resolved Scheduled Expected Resolved1 $90M $105M $200M – $300M NEARLY ALL JULY FIRST WEEK

  17. Slide 17: Arbor Maintains a High-Quality Loan Portfolio With Active Risk Management

    Arbor Maintains a High-Quality Loan Portfolio With Active Risk Management to Mitigate Potential Loan Losses Experienced Team with Strong Track Record of Managing Through Cycles Structured Structured  Aggressive approach to portfolio management and, when necessary, taking over assets to stabilize pr

  18. Slide 18: Highly Diversified Capital Structure

    Highly Diversified Capital Structure Enterprise Value : $13.5B1 LONG–DATED SECURITIZED / CLO-LIKE DEBT CRE CLO platform Warehouse &  Extensive CRE CLO experience repo $3.92B  CLO 20: $933M | 1.82% over | 89% leverage | 2.5-year replenishment  CLO 21: $674M | 1.73% over | 88% leverage | 2.5-year r

  19. Slide 19: Unencumbered Asset Pool is Comprised of High-Quality Assets

    Unencumbered Asset Pool is Comprised of High-Quality Assets Unencumbered Asset Pool Composition Key Unencumbered Asset Pool Highlights 1 Other assets 14% Investments in CLO equity  $2.6B total unencumbered asset pool made up of equity affiliates 28% high-quality assets 3% Total  1.4x unencumbered

  20. Slide 20: Over the Last 5 Years Arbor has Generated Strong Financial Results

    Over the Last 5 Years Arbor has Generated Strong Financial Results Year Ended YTD (Amounts in 000s, except per share amounts) 2021 2022 2023 2024 2025 Jun-26 Net interest income $ 254,082 $ 390,784 $ 427,991 $ 363,258 $ 238,172 $ 112,942 Servicing revenue 166,170 196,570 208,278 202,819 190,729 90,0

  21. Slide 21: Historical Reconciliation of Distributable Earnings to GAAP Net Income (Loss)

    Historical Reconciliation of Distributable Earnings to GAAP Net Income (Loss) Year Ended YTD (Amounts in 000s, except per share amounts) 2021 2022 2023 2024 2025 Jun-26 Net income (loss) - common stockholders $ 317,412 $ 284,829 $ 330,065 $ 223,272 $ 107,427 $ (36,713) Adjustments: Net income (loss)

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