Carver Bancorp Inc. · OTC:CARV
Carver Bancorp — Shareholder Meeting (September 2019)
17 slides from Carver Bancorp's shareholder meeting presentation, Sep 13, 2019
Slide 1: Living Our Mission - Annual Meeting of Shareholders
xX CARVER BANCORP, INC. NASDAQ: CARV LIVING OUR MISSION EETING OF SHAREHOLDERS 2, 2019
Slide 2: Presentation Highlights
Presentation Highlights by Michael Pugh, President & CEO Mission and Impact Fiscal Year 2019 Highlights 2019 Achievements Community Investment Questions and Answers A¥CARVER BANCORP, INC.
Slide 3: Forward Looking Statements
Forward Looking Statements “potenti” and sinter tem and proses, Foueutisseng sctemen Grifed to, thre related 4s the economic envionment, periculaly “Comeany"| and Cone Fesero!Sounge fone (tne “one) zerste compettne ora A¥CARVER BANCORP, INC. ,
Slide 4: Mission
Mission For over 70 years Carver's mission has been to provide New Yorkers with access to competitively priced banking solutions regardless of their income level. As the largest Affican- and Caribbean-American managed and publicly traded Minority Depository institution in the U.S. today, the bank co
Slide 5: Community Impact - At A Glance
Community Impact - At A Glance BO Serr ccrmitdtorinvsig approximately 80 cents of every dollar apsted back into ove communis 1 Conny waded on “Outstocing” aig emmy vot a US. ce lt Compleat Curac bandon he poraphic ‘Strom sew lon polo comments al we sae alone MWEE, we wc Rand fr in omen a (2016-2014)
Slide 6: Fiscal Year 2019 Highlights
Fiscal Year 2019 Highlights A¥CARVER BANCORP, INC.
Slide 7: Maintain strong Regulatory Capital as we refine our Operational Infrastructure
Maintain strong Regulatory Capital as we refine our Operational Infrastructure* Regulatory Capital: as of 3/31/19 the bank's capital ratio is 10.77% Tier | Leverage Ratio 207 18 2019 SZCARVER BANCORP, INC, “S's! eoseren enter
Slide 8: Focus on Relationship Banking
Focus on Relationship Banking* Retaining Core Customers Reducing Brokered Deposits ($ in millions) $597 $507 00 106 é 207 2018 19 Ptickered Deposts ato —«TotalDepouts Blotered Deposts SZCARVER BANCORP, INC, “S's! eoseren enter
Slide 9: Maintaining a Strong Balance Sheet
Maintaining a Strong Balance Sheet* Aligning the loan portfolio with regulatory safety and soundness priorities. ($ in millions} sw see 37 07 sth $510 sara 00 | | TOIGIAGoIs mToto!Deposts #Net Loans SZCARVER BANCORP, INC, “S's! eoseren enter
Slide 10: Credit Quality for the Bank remains strong
Credit Quality for the Bank remains strong* Non-performing loans to total loans (NPL) ss1sss2 sor7ss sou mene 7” atotatioans in moviondh} “alota!non pertomingioans i thoinanci) OREO SXCARVER BANCORP, INC, “Suriscitss eosersen eaten
Slide 11: CRE Concentration
CRE Concentration* ($ in millions} $205 v3 sia 018 2019 —HcRE Concentaton ato CRELoans sk Based Copal SZCARVER BANCORP, INC, “s'#esoimeereesar en) esera teens 0
Slide 12: Performance: Key Operating Metrics 2017 - 2019
Performance: Key Operating Metrics 2017 - 2019* Net Income ($in thousands) Return on Average Assets sgasee oD =", = ® | A¥CARVER BANCORP, INC. "
Slide 13: 2019 Achievements
2019 Achievements corporate Governance + 1008 of Carver's soars of Drectors oe persorsaf color + som ofcorers too of Drectozers women + 1008 of covers Eeecutive Management Team is compdsea.t persons of cater or women eguatory excellence + astomating Frarcial reporting ona toan operations + melementi
Slide 14: Carver's Lending Achievement by Borough
Carver's Lending Achievement by Borough 667% of Carver’sloans are focused in New York City. Brooklyn Manhattan ‘queens Bronx Stoten sand Totals 407 unt (SMM) as 19% A¥CARVER BANCORP, INC. ry
Slide 15: Investing in our Communities
Investing in our Communities Sugar. fill Creamery S¥CARVER BANCORP, INC. “
Slide 16: Banking with Carver. It's the Right Thing to Do
Banking with Carver. It's the Right Thing to [@Qstingin our communities and empowering business entrepreneurs. exrowenis wont BANKING WITH CARVER IT’S THE RIGHT THING T0 D0. Nfcanver BANK S¥CARVER BANCORP, INC.
Slide 17: Carver Bank Upper Manhattan
Carver Bank UPPER MANHATTAN Serving our Communities HARLEM, JUEENS Digital Banking: carverbank.com A¥CARVER BANCORP, INC. Ps
Carver Bancorp — Shareholder Meeting (September 2019) on 6ix