Company: NWBI
Filing Date: 2025-02-25
Form Type: 10-K
Source: 0001471265-25-000016
Chunk: 292

Company: Northwest Bancshares, Inc.
Filing Date: 2025-02-25
Form: 10-K
Item: Item 7A
Chunk 292
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ps100 bps200 bps300 bpsProjected percentage increase/(decrease) in net interest income(1.0)%(2.3)%(3.7)%(0.6)%(4.0)%(6.4)%Projected percentage increase/(decrease) in net income(2.4)%(5.5)%(8.8)%(1.5)%(9.7)%(15.4)%Projected increase/(decrease) in return on average equity(2.2)%(5.2)%(8.9)%(1.4)%(9.3)%(14.7)%Projected increase/(decrease) in earnings per share$(0.03)$(0.07)$(0.11)$(0.02)$(0.12)$(0.18)Projected percentage increase/(decrease) in market value of equity(5.1)%(10.5)%(16.0)%3.4 %3.9 %5.7 %

The following table illustrates the simulated impact of a parallel 100 bps, 200 bps or 300 bps upward or 100 bps downward movement in interest rates on net interest income, net income, return on average equity, earnings per share, and market value of equity. These analyses were prepared assuming that total interest-earning asset and interest-bearing liability levels at December 31, 2023 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 December 31, 2023 levels. IncreaseDecreaseParallel shift in interest rates over the next 12 months100 bps200 bps300 bps100 bps200 bps300 bpsProjected percentage decrease in net interest income(1.4)%(3.1)%(4.9)%(0.1)%(5.2)%(11.2)%Projected percentage decrease in net income(3.3)%(7.4)%(11.5)%(0.3)%(12.7)%(27.0)%Projected decrease in return on average equity(3.1)%(7.1)%(11.1)%(0.2)%(12.2)%(26.1)%Projected decrease in earnings per share$(0.04)$(0.08)$(0.13)$— $(0.14)$(0.29)