RJF · 10-Q · 2026Q2 · Full report

Credit Loss Provisions

RAYMOND JAMES FINANCIAL INC · 2026-08-05 · Importance 20 · Surprise 24

Raymond James estimated allowance-for-credit-loss sensitivity for its bank loan portfolio using alternative macroeconomic scenarios as of June 30, 2026. A downside scenario involving a moderate recession would have increased the modeled quantitative allowance by approximately $150 million. An upside scenario would have reduced the modeled quantitative allowance by approximately $25 million. The sensitivity excluded offsetting qualitative adjustments, which could increase or decrease modeled loss estimates.

Key facts

• Use of the downside case economic scenario would have resulted in an increase of approximately $150 million in the quantitative portion of our allowance for credit losses on bank loans as of June 30, 2026, while the upside case scenario would have resulted in a reduction of approximately $25 million in that quantitative portion. source