Provident Financial Holdings, Inc. · NASDAQ:PROV

Provident Financial — Shareholder Meeting (December 2011)

11 slides from Provident Financial's shareholder meeting presentation, Dec 1, 2011

  1. Slide 1: Annual Meeting of Shareholders November 29, 2011

    Annual Meeting of Shareholders 7 November 29, 2011 we PROV/DENT 2a. Provident Financial Holdings, Inc.

  2. Slide 2: Provident Locations

    PROW/DENTz3. Provident Locations Provident Bank Full Service Offices: OE Blythe ie Canyon Crest, Riverside te Corona YE Corporate Office, Riverside FE Downtown, Riverside ie Hemet YT La Sierra, Riverside fe Moreno Valley - Heacock St Ye Moreno Valley - iris Plaza SY Orangecrest, Riverside fe Rancho

  3. Slide 3: Fiscal 2011 Highlights

    PROVIDENTc3. Provident Financial Holdings, Inc. Fiscal 2011 Highlights Net income of $13.2 million (EPS of $1.16 per share). Seventh largest deposit market share in Riverside — San Bernardino according to deposit data released by the FDIC. The Bank exceeds all regulatory capital requirements and is

  4. Slide 4: Subsequent Events

    PROW/DENT23. Provident Financial Holdings, Inc. Subsequent Events ¥ We raised our quarterly cash dividend to $0.03 per share in July 2011. y¥ We announced a Stock Repurchase Plan in July 2011 for up to 5% of outstanding common stock. ¥ Earnings for the quarter-ended September 30, 2011 improved from

  5. Slide 5: Net Income (Loss)

    Net Income (Loss) PROVIDENTc. Provident Financial Holdings, Inc. (In Thousands) $15,000 $10,000 4 $5,000 $0 -$5,000 -$10,000 Fy 2007 FY 2008 Fy 2009 Fy 2010 FY2011 Net Income (Lass) $10,451 $860 -$7,439 $1,115 $13,220

  6. Slide 6: Diluted Earnings Per Share

    Diluted Earnings Per Share PROVIDENTca. Provident Financial Holdings, Inc. $2.00 $1.00 mm $0.00 |_| $1.00 LI $2.00 Fy 2007 FY2008 Fy2009 FY2010 FY2011 [Diluted EPS: $1.57 $0.14 $1.20 $0.13 $1.16

  7. Slide 7: Return on Stockholders' Equity

    | Return on Stockholders’ Equity PROVIDENT 2. Provident Financial Holdings, Inc. 16.00% 10.00% 6.00% 0.00% 6.00% 10.00% Fy2008, ROE 0.68%

  8. Slide 8: Total Assets

    Total Assets PROW/DENT2. Provident Financial Holdings, Inc. (n Mlions) $2,000 $1,500 $1,000 $600 O6/30/2007 06/80/2008 06/80/2009 06/80/2010 06/30/2011 Total Assets $1,849 $1,832 $1,580 $1,399 $1,315

  9. Slide 9: Loans Held For Investment

    PROVIDENTca. Provident Financial Holdings, Inc. Loans Held For Investment (In Nitin) $1,500 $1,000 $600 $0 opso2007 | osen2008 | oersq/200g | oevsq2010 | oB/30/2011 $1008 $882 Loans Held For Investrrent, Net | $1,351 $1,368 $1168

  10. Slide 10: Total Deposits

    Total Deposits PROVIDENTca. Provident Financial Holdings, Inc. (In Millions) $1,500 $1,000 $500 $0 06/30/2007 06/30/2008 06/30/2009 06/30/2010 06/30/2011 Deposits $1001 $1012 $989 $933 $946

  11. Slide 11: www.myprovident.com

    PROW/DENT 2%. Provident Financial Holdings, Inc. www.myprovident.com 10

Provident Financial Holdings — Shareholder Meeting (December 2011) on 6ix