Exhibit 99.3 2nd Quarter Earnings Conference Call Second quarter 2023 overview Continue to generate consistent, sustainable long-term performance 2Q23 Highlights Key Performance Metrics Reported • One of the best ROATCE(1) in the Net Income Available to peer group of 23.8% (18.1% ex. $556M Common Shareholders AOCI) Diluted Earnings $0.59 • Estimated 2Q CET1 10.1% Per Share • Continued focus on disciplined Total Revenue $2.0B capital allocation and risk- adjusted returns Non-Interest Expense $1.1B • Benefiti ...