Atlantic Union Bankshares (AUB) Investor presentation summary

Strategic priorities and growth initiatives

• Focus on organic growth by targeting wholesale banking, prioritizing fee income, and maintaining a low-cost deposit base.

• Emphasis on innovation through technology modernization, robotics, automation, and FinTech partnerships.

• Strategic investments include disciplined acquisitions and partnerships to expand market presence and diversify revenue.

Financial performance and capital position

• Q1 2025 adjusted operating return on tangible common equity was 13.2%, with an efficiency ratio of 57.02%.

• Loan and deposit growth were 1.3% and 2.1% annualized, respectively, with a loan/deposit ratio of 89.9%.

• Strong capital ratios: pro forma CET1 ratio ~10.0% and total risk-based capital ratio ~14.0% at Q2 2025.

• Dividend increased by 6.3% year-over-year in Q1 2025.

Market position and expansion

• Largest regional bank in the Mid-Atlantic, Maryland, and Virginia with $38 billion in assets and 183 branches.

• Dense branch network across Virginia, Maryland, and North Carolina, with significant market share opportunities.

• Operates in some of the most attractive U.S. markets for business, with low unemployment and high median incomes.