Company: ONBPP
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000707179-25-000064
Chunk: 266

Company: OLD NATIONAL BANCORP /IN/
Filing Date: 2025-10-29
Form: 10-Q
Item: Item 2
Chunk 266
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 $807,095 $865,971 $866,677 $918,494 $973,828 $1,020,305 $1,065,415 Loans3,158,639 3,608,455 4,040,454 4,067,305 4,452,342 4,850,245 5,244,460 5,637,989 Total interest   income3,896,600 4,415,550 4,906,425 4,933,982 5,370,836 5,824,073 6,264,765 6,703,404 Projected interest expense:Deposits612,510 926,094 1,239,973 1,103,710 1,569,797 1,906,464 2,227,439 2,548,426 Borrowings317,486 408,663 506,110 496,282 596,492 687,039 777,281 867,539 Total interest   expense929,996 1,334,757 1,746,083 1,599,992 2,166,289 2,593,503 3,004,720 3,415,965 Net interest   income$2,966,604 $3,080,793 $3,160,342 $3,333,990 $3,204,547 $3,230,570 $3,260,045 $3,287,439 Change from base$(237,943)$(123,754)$(44,205)$129,443 $26,023 $55,498 $82,892 % change from base(7.43)%(3.86)%(1.38)%4.04 %0.81 %1.73 %2.59 %

77

The following table illustrates the upper bound, Federal Funds Rate assumed in the simulation above at September 30, 2025 and 2024:

September 30, 2025September 30, 2024Basis Point Change ScenarioFederal FundsRate (1)Month 12 (2)Federal FundsRate (1)Month 12 (2)+3004.25 %7.25 %5.00 %8.00 %