NYCB 2017 Annual Report

Originations: Net Charge-Offs (Recoveries): MULT I - FAMI LY LOAN PORTFOLIO $25,989 $20,714 $7,417 $11 $26,961 $23,849 $28,092 $9,214 $5,685 $7,584 $5,378 $(4) $0 $0 $0 (in millions) 12/31/15 12/31/13 12/31/16 12/31/14 12/31/17 Originations: Net Charge-Offs (Recoveries): COMMERC IAL REAL ESTATE LOAN PORTFOLIO $7,860 $7,366 $7,727 $7,637 $7,325 $1,842 $2,168 $1,180 $1,661 $1,039 $(1) $0 $(1) $1 $0 (in millions) 12/31/15 12/31/13 12/31/16 12/31/14 12/31/17 (in millions) 12/31/15 12/31/13 12/31/16 12/31/14 12/31/17 SPECIALTY FINANCE LOAN AND LEASE PORTFOLIO $895 $172 $258 $0 $1,286 $635 $1,584 $1,068 Originations: $1,266 $848 $1,784 $0 Net Charge-Offs: $0 $0 $0 1–4 FAMILY C&I ADC CRE MULTI-FAMILY 1% 6% NON-INTEREST- BEARING 8% 1% CDs 30% 19% SAVINGS 18% 73% INTEREST-BEARING CHECKING AND MMA 44% AT 12/31/17 DEPOSITS TOTAL HFI LOANS: $38.4B 3.68% AVERAGE YIELD ON LOANS: TOTAL DEPOSITS: $29.1B 0.97% AVERAGE COST OF INTEREST-BEARING DEPOSITS: AT 12/31/17 LOANS