Company: NWBI
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001471265-25-000161
Chunk: 180

Company: Northwest Bancshares, Inc.
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 8
Chunk 180
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200 bps or 300 bps downward movement in interest rates on net income, return on average equity, earnings per share and market value of equity. This analysis was prepared assuming that interest-earning asset and interest-bearing liability levels at September 30, 2025 remain constant. The impact of the rate movements was computed by simulating the effect of an immediate and sustained shift in interest rates over a twelve-month period from September 30, 2025 levels.

 IncreaseDecreaseParallel shift in interest rates over the next 12 months100 bps200 bps300 bps100 bps200 bps300 bpsProjected percentage increase/(decrease) in net interest income(1.2)%(2.8)%(4.5)%(0.4%)(4.4%)(6.1%)Projected percentage increase/(decrease) in net income(2.9)%(7.1)%(11.4)%(1.2%)(11.4%)(15.7%)Projected increase/(decrease) in return on average equity(2.8)%(6.7)%(10.8)%(1.1%)(10.9%)(15.0%)Projected increase/(decrease) in earnings per share$(0.04)$(0.10)$(0.15)$(0.02)$(0.15)$(0.21)Projected percentage increase/(decrease) in market value of equity(4.1%)(8.8%)(13.5%)2.4%1.5%1.7%

The figures included in the table above represent projections that were computed based upon certain assumptions including prepayment rates and decay rates. These assumptions are inherently uncertain and, as a result, cannot precisely predict the impact of changes in interest rates. Actual results may differ significantly due to timing, magnitude and frequency of interest rate changes and changes in market conditions, and actions that may be taken by management in response to interest rate changes.

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Table of Contents

Item 4.        CONTROLS AND PROCEDURES

Under the supervision of and with the participation of management, including the Principal Executive Officer and Principal Financial Officer, we evaluated the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Exchange Act) as of the end of the period covered by this quarterly report (the “Evaluation