Second quarter 2026 results July 23, 2026 ©2023 Bread Financial 1 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 Second quarter 2026 Key highlights Accelerating growth across credit sales, loans, and deposits Strong financial results and strategic capital allocation Proactive risk management and financial resilience (1) Represents a Non-GAAP financial measure. See "Non-GAAP Financial Measures" and "Reconciliation of GAAP to Non-GAAP Financial Measures." ©2026 Bread ...