Arbor Realty Trust (ABR) Investor presentation summary

Business overview and strategy

• Operates as an internally managed commercial mortgage REIT with two main platforms: structured loan origination/investment and agency loan origination/servicing.

• Focuses on multifamily, single-family rental, and commercial real estate markets, offering bridge, mezzanine, construction, and agency loans.

• Agency business is capital-light, generates recurring income, and has high barriers to entry.

• Maintains a customer-centric approach with a proven track record of repeat borrowers and strong operational relationships.

• Prudent leverage strategy, deleveraging to 3.5x debt/equity since 2023.

Track record and operational excellence

• Over 40 years of experience in multifamily lending, consistently recognized as a top lender by Fannie Mae and Freddie Mac.

• Successfully navigated the Great Financial Crisis, prioritizing liquidity, capital retention, and proactive portfolio management.

• Demonstrated resilience and operational excellence, with a history of no defaults or losses to investors during downturns.

• Recognized for excellence in multifamily lending operations and workforce housing rent preservation.

Management and organizational strength

• Highly aligned, internalized management team with significant ownership and deep industry expertise.

• Leadership team averages decades of experience in commercial real estate, underwriting, origination, and capital markets.