Provident Financial Services (PFS) investor relations material

Opening remarks and agenda

• The meeting was held virtually, with all board members and key officers introduced at the outset.

• Administrative procedures were outlined, including the appointment of an Inspector of Election and confirmation of quorum with over 84% of shares represented.

• The agenda and rules of procedure were made accessible to participants for reference.

Board and executive committee updates

• Four directors were nominated for election to serve until 2029 or until successors are elected.

• The board sought a non-binding advisory vote on executive compensation.

• KPMG LLP was reappointed as the independent registered public accounting firm for 2026.

Financial performance review

• Achieved record revenues and expanded profitability in 2025, with seven consecutive quarters of higher pre-provision net revenue.

• Loan pipeline reached a record $3.1 billion in Q1 2026, with both commercial real estate and industrial pipelines exceeding $1 billion.

• Maintained strong credit performance and low net charge-offs, supported by disciplined risk management.

• Insurance and wealth management divisions reported double-digit growth and early returns on recent investments.