Provident Financial Investor Relations Material

Provident Financial Holdings, Inc., through its subsidiary, Provident Savings Bank, F.S.B., provides banking services to consumers and small businesses primarily in the Inland Empire region of Southern California. The company operates full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. It offers deposit products including checking, savings, and money market accounts, as well as time deposits; and loan products consisting of single-family, multi-family, commercial real estate construction, mortgage, commercial business, and consumer loans. The company also provides investment services comprising the sale of investment products such as annuities and mutual funds; and trustee services for real estate transactions; and leasing financing services. Provident Financial Holdings was founded in 1956 as a government-owned savings bank serving the public member depositors in the Inland Empire region through its office locations.