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	LOAN LOSS PROVISIONING
	Commercial Bank — ALLL Rollforward ($mm)
		FY2024	FY2025	FY2026	FY2027	FY2028	FY2029	FY2030	FY2031	FY2032	FY2033	FY2034	FY2035
	ALLL ROLLFORWARD
	Beginning ALLL	$195	$219	$232	$281	$333	$387	$444	$505	$569	$636	$708	$783
	Provision for Credit Losses	$145	$168	$157	$165	$174	$184	$194	$205	$216	$228	$240	$253
	Net Charge-Offs	($105)	($111)	($108)	($114)	($120)	($126)	($133)	($141)	($148)	($157)	($165)	($174)
	Other Adjustments	($16)	($44)	-	-	-	-	-	-	-	-	-	-
	Ending ALLL	$219	$232	$281	$333	$387	$444	$505	$569	$636	$708	$783	$862
	KEY CREDIT RATIOS
	ALLL / Gross Loans	1.25%	1.25%	1.44%	1.61%	1.78%	1.93%	2.08%	2.22%	2.36%	2.49%	2.61%	2.72%
	Provision / Avg Loans	0.83%	0.91%	0.80%	0.80%	0.80%	0.80%	0.80%	0.80%	0.80%	0.80%	0.80%	0.80%
	NCO / Avg Loans	0.60%	0.60%	0.55%	0.55%	0.55%	0.55%	0.55%	0.55%	0.55%	0.55%	0.55%	0.55%
	NPL Ratio (from Assumptions)	1.20%	1.20%	1.10%	1.10%	1.10%	1.10%	1.10%	1.10%	1.10%	1.10%	1.10%	1.10%
	ALLL / NPLs (Coverage)	1.0x	1.0x	1.3x	1.5x	1.6x	1.8x	1.9x	2.0x	2.1x	2.3x	2.4x	2.5x
	PROVISION ADEQUACY
	Required ALLL (target ratio)	$219	$232	$235	$248	$261	$276	$291	$307	$324	$342	$360	$380
	Actual ALLL	$219	$232	$281	$333	$387	$444	$505	$569	$636	$708	$783	$862
	Surplus / (Deficit)	$0	$0	$46	$85	$126	$169	$214	$262	$313	$366	$422	$482
	Note: NCOs derived from Assumptions NCO rate. Provision = Gross Loans x Provision Rate.