Atlantic Union Bankshares Corp To Host Investor Day Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Brian Wilczynski - Morgan Stanley - Analyst : Brian Wilczynski from Morgan Stanley. Thank you for all the great presentations today. John, when you think about the organic growth outlook, clearly, a lot of great work going on at AUB. What are the maybe two or three areas that you're really most excited about where you're seeing the most momentum today that you think will really show through over the next 12 to 18 months, especially when you think about the 2026 outlook that Rob delivered before? John Asbury - Atlantic Union Bankshares Corp - President, Chief Executive Officer, Director, Chief Executive Officer - Atlantic Union Bank I think Dave Ring ask you to come join in on this one. The wholesale business, which wholesale by the way, means the commercial businesses. We call it wholesale banking because if I said to you, commercial banking that is but one of many related businesses that are business to business. That has really been arguably the fastest-growing part of the company. And things like the equipment finance division has been a tremendous success for us. I think about the additional capabilities that we bring to the table for the former Sandy Spring franchise. We bring more tools, we're not constrained about liquidity, by capital. What are your thoughts in terms of where do you see the most excitement and opportunity, Dave? LSEG STREETEVENTS | www.lseg.com | Contact Us consent of LSEG. 'LSEG' and the LSEG logo are registered trademarks of LSEG and its affiliated companies. DECEMBER 10, 2025 / 4:45PM, AUB.N - Atlantic Union Bankshares Corp To Host Investor Day

Question: Brian Wilczynski - Morgan Stanley - Analyst : Maybe just a -- just circling back to the net interest income outlook, you spoke about NIM a moment ago, but maybe just taking NIM and loan growth. Loan growth guidance implies about 6% end-of-period growth. If you could just talk about how quickly does that ramp over the course of the year? And then maybe just a broader discussion on NIM rates coming down, your guidance implies NIM moving higher. What are the puts and takes there, key drivers?