Byline Bancorp (BY) AGM 2025 summary

Opening remarks and agenda

• Meeting opened by the Head of Investor Relations, with roles of Secretary and Inspector of Election designated.

• Executive Chairman and CEO welcomed attendees, introduced board members, executive team, and external auditors.

Financial performance review

• Reported $121 million net income and $2.75 per diluted share on $407 million revenue, up 5% year-on-year.

• Total assets reached $9.5 billion; loans and leases grew to $6.9 billion, deposits to $7.5 billion.

• Pre-tax pre-provision ROA at 205 basis points, return on assets at 131 basis points, and return on tangible common equity just under 15%.

• Cost-to-asset ratio reduced by 22 basis points to 2.38% due to positive operating leverage.

• Capital ratios increased: tangible common equity at 9.6%, CET1 at 11.7%, total capital just under 15%.

Board and executive committee updates

• Board recognized for diverse perspectives and guidance, contributing to strong results and strategic direction.

• Leadership credited for building a reputation for integrity and adaptability.