{ "markdown": "Arbor Maintains a High-Quality Loan Portfolio With Active\nRisk Management to Mitigate Potential Loan Losses\n\n\nExperienced Team with Strong Track Record of Managing Through Cycles\n\n\nStructured\n- Aggressive approach to portfolio management and, when necessary, taking over assets to stabilize projects\n- Partner with strong sponsors with track record of success and maintain disciplined origination principles\n- For REO, resolution through disposition or invest strategically in asset\u2019s rehabilitation to improve NOI & occupancy\n- Current delinquencies represent just 1.8% of FY 2020 unpaid balance and 2021 \u2013 2026 new originations of $28.8B\n\n\n\n\n\n\n\n\n\n\n\n
Allowance for Credit Losses - Structured Business
($M)FY'17FY'18FY'19FY'20 <sup>2</sup>FY'21FY'22FY'23FY'24FY'251H261H26 w/REO
Beginning Balance$83.7$62.8$71.1$ 88.4$148.3$113.2$132.6$195.7$239.0$146.0
Provision for loan
losses <sup>1</sup>		(0.4)11.5-59.9(24.3)19.468.855.535.343.0
Net charge-offs(20.5)(3.2)- - (10.8)- (5.7)(12.2)(128.3)(25.6)
Ending balance$62.8$71.1$71.1$148.3$113.2$132.6$195.7$239.0$146.0$163.4$261.4
Total portfolio UPB$2.7B$3.3B$4.3B$5.5B$12.2B$14.5B$12.6B$11.3B$12.1B$12.1B$12.7B
Ending balance % of total UPB2.4%2.2%1.7%2.7%0.9%0.9%1.6%2.1%1.2%1.3%2.2%
\n\n# Agency\n\n\n - Agency business credit risk is limited by nature of loan sales and servicing model\n - Arbor participates in a loss-share program with Fannie Mae\n - The Company has a clear history of navigating this potential guarantee with limited losses\n - Fannie Mae delinquencies currently 3.39% with $51M of specific reserves against ~$817M of assets\n\n\nSource: Company filings (As of June 30, 2026)\n 1) Net of reversals\n 2) Includes impact of adopting current expected credit loss (\u201cCECL\u201d) on January 1, 2020 of $17.3M\n 3) Includes $68.9M related to a land development legacy asset from 2006 (Homewood)\n 4) Includes $97.9M of reserves related to REO assets\n\n\n[Vertical bar chart icon]\n\n\n17\n\n", "structure": { "type": "document", "markdown": null, "children": [ { "type": "page", "page": null, "span": null, "width": null, "height": null, "dpi": null, "grounding": { "page": 1, "range": { "start": 0, "end": 2854 }, "box": { "xmin": 0.0, "ymin": 0.0, "xmax": 1.0, 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