Mbna America Bank, National Association

Wilmington, DE · Cert 33318

FDIC · 1 branch

Q3 2014

$127.0BAssets

$110.9BLoans

$84.6BDeposits

$18.5BEquity

Deposit mix

NIM

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 21.7% share · #1 of 137 inst. · $110.6B of $510.2B

Earnings: ROA of 3.01%, up 56 bps year over year; NIM at 7.98%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.92%.
Funding: loans stand at 131.11% of deposits as of Q3 2014.

Return on Assets (YTD, annualized)

3.01%+56 bps YoY

Net Interest Margin (YTD, annualized)

7.98%+49 bps YoY

Efficiency Ratio (YTD, annualized)

31.10%+91 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	2.45%	2.67%	3.48%	3.18%	3.01%	+56 bps
Return on Equity	20.04%	21.80%	28.95%	26.74%	24.18%	+414 bps
Net Interest Margin	7.49%	7.57%	7.37%	7.50%	7.98%	+49 bps
Efficiency Ratio	30.20%	30.48%	27.31%	29.31%	31.10%	+91 bps
Non-Interest Burden	1.41%	1.36%	-0.03%	0.74%	1.35%	-5 bps
Growth
Asset Growth (YoY)	-3.02%	-5.48%	-3.93%	-4.59%	-19.12%	-1,610 bps
Loan Growth (YoY)	-8.16%	-4.26%	-1.76%	-0.74%	-1.73%	+643 bps
Deposit Growth (YoY)	8.75%	2.32%	3.34%	0.27%	-24.34%	-3,309 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	3.61%	3.44%	3.18%	3.01%	2.92%	-69 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	17.00%	18.12%	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	100.94%	101.20%	97.73%	100.99%	131.11%	+3,017 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a