Finward Bancorp · NASDAQ:FNWD

Finward Bancorp — Shareholder Meeting (May 2025)

8 slides from Finward Bancorp's shareholder meeting presentation, May 22, 2025

  1. Slide 1: Annual Shareholder Meeting Presentation

    1 A NASDAQ Traded Company – Symbol FNWD Annual Shareholder Meeting Presentation May 22, 2025

  2. Slide 2: Forward-Looking Statements

    2 Overview of Finward Bancorp May 22, 2025 Forward-Looking Statements: This presentation may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Finward Bancorp (“FNWD”). For these statements, FNWD claims the protections of t

  3. Slide 3: Overview of Finward Bancorp

    3 Overview of Finward Bancorp Company Overview Branch Map Primary Business Segments Financial Highlights  Established in 1910 and currently headquartered in Munster, IN  Mission is to build strong partnerships with our customers and communities to help them achieve financial success  Committed to

  4. Slide 4: Executive Management Team

    4 Executive Management Team Officer Years of Banking Experience Year Started in Current Position Year Started at Finward Bancorp Position with Company Benjamin J. Bochnowski 16 2016 2010 President & Chief Executive Officer Robert T. Lowry 39 2021 1985 Executive VP & Chief Operating Officer Todd M. S

  5. Slide 5: Diverse Board of Directors

    5 Diverse Board of Directors Board Member Age Year Joined Board Joel Gorelick Executive Chairman 77 2000 Board Member Age Year Joined Board Martin P. Alwin 39 2024 Benjamin J. Bochnowski CEO 44 2014 Carolyn M. Burke 58 2024 Jennifer R. Evans 66 2024 Danette Garza 70 2013 Board Member Age Year Joined

  6. Slide 6: Near Term Areas of Focus

    Near Term Areas of Focus 6 Capital Credit Quality Annual Net Interest Margin 7.65% 7.78% 8.47% 8.48% 7.20% 7.40% 7.60% 7.80% 8.00% 8.20% 8.40% 8.60% 2022FY 2023FY 2024FY 2025Q1 FNWD Tier 1 Leverage Ratio 1.06% 0.52% 0.74% 0.69% 0.85% 1.24% 1.12% 1.20% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40%

  7. Slide 7: Current Strategy Drivers

    Current Strategy Drivers 7 • Improving Profitability & Net Interest Margin • Significantly improved deposit funding costs (quarterly NIM expansion) • Continued loan portfolio repricing • Optimization of funding/borrowing alternatives • Controlling non-interest expense base and creating efficiencies

  8. Slide 8: Thank You

    THANK YOU D> FINWARD BANCORP

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