Allowance and Loans Held for Investment $351 $309 $289 $262 $232 $205 $182 $176 $153 5.7% 5.6% 5.5% 5.3% 5.1% 5.0% 5.0% 4.7% 4.6% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Allowance for Losses ($M) Allowance % of Loans Held for Investment Notes: 32 1. Metrics are unaudited