Kearny Financial · NASDAQ:KRNY
Kearny Financial — Shareholder Meeting (October 2025)
18 slides from Kearny Financial's shareholder meeting presentation, Oct 21, 2025
Slide 1: Annual Meeting of Stockholders
ANNUAL MEETING OF STOCKHOLDERS OCTOBER 21, 2025 10:00 AM
Slide 2: Welcome and Introductory Remarks
Welcome and Introductory Remarks Craig L. Montanaro Director, President and Chief Executive Officer 2
Slide 3: Members of the Board of Directors
Members of the Board of Directors John J. Mazur, Jr., Chairman Theodore J. Aanensen John F. McGovern Raymond E. Chandonnet Craig L. Montanaro Curtland E. Fields Leopold W. Montanaro Catherine A. Lawton Christopher Petermann Joseph P. Mazza Charles J. Pivirotto Melvina Wong-Zaza 3
Slide 4: Executive Management Team
Executive Management Team Cassia J. Beierle, Esq. Patrick M. Joyce Executive Vice President Executive Vice President General Counsel Chief Lending Officer Anthony V. Bilotta, Jr. Erika K. Parisi Executive Vice President Executive Vice President Chief Banking Officer Chief Administrative Officer Sean
Slide 5: Other Participants
Other Participants Corporate Secretary Legal Counsel Kearny Financial Corp. Luse Gorman, PC Gail Corrigan Marc Levy, Esq. Senior Vice President Independent Registered Public Inspector of Election Accounting Firm Computershare Crowe LLP Andrey Dragun, CPA Adela Forsyth Partner Vice President 5
Slide 6: Business of the Meeting
Business of the Meeting Proposals to be voted upon: Election of five directors, each for the term indicated; Ratification of the appointment of Crowe LLP as the Company’s independent auditor for the fiscal year ending June 30, 2026; Advisory, non-binding resolution to approve our executive c
Slide 7: Review of Fiscal Year Highlights and Strategic Outlook
ANNUAL MEETING OF STOCKHOLDERS Review of Fiscal Year Highlights and Strategic Outlook Fiscal Year Ended June 30, 2025
Slide 8: Forward Looking Statements & Non-GAAP Financial Measures
Forward Looking Statements & Non-GAAP Financial Measures This presentation may include certain “forward-looking statements,” which are made in good faith by Kearny Financial Corp. (the “Company”) pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These
Slide 9: Kearny Financial Corp.
Kearny Financial Corp. Company Overview Branch/Office Footprint NASDAQ: KRNY Assets $7.7 billion Founded: 1884 Loans $5.8 billion TBV Per Share: $9.77 Deposits $5.7 billion Market Cap $425.3 million1 Capital $0.7 billion Company Profile Positioned for Strength: Ranked among the top 10 New Jersey-bas
Slide 10: Fiscal Year 2025 Highlights
Fiscal Year 2025 Highlights Turning the Tide: From Market Pressures to Strategic Growth Strategic Technology Investments Driving Operational Efficiency and Client Growth Navigated Key Industry Pressures AI for Operational Excellence Successfully managed challenges from the inverted yield curve, Deve
Slide 11: Sustained Earnings Growth and Margin Expansion
Sustained Earnings Growth and Margin Expansion Net Interest Income & Net Interest Margin Earnings Metrics ($ thousands) ($ thousands, except per share data) $0.16 2.00% $0.13 $0.13 1.90% $0.12 $0.11 $0.11 $0.10 1.82% $0.10 1.80% $35,843 $9,941 $7,924 $8,214 $34,042 $7,286 $6,566 $6,648 $6,769 $6,092
Slide 12: Track Record of Strong Credit Performance
Track Record of Strong Credit Performance Net Charge-offs to Average Total Loans Global Financial Hurricane COVID-19 Sandy Cumulative charge-offs for KRNY Pandemic between 2006 and 2025 were minimal, totaling $39.8 million. 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2
Slide 13: Fiscal Year 2026 Strategic Initiatives
Fiscal Year 2026 Strategic Initiatives Accelerate Optimize Loan Strengthen Core Enhance Broaden Market Organic Growth Portfolio for Deposit Base Operational Presence and ▪ Deepen client Performance and ▪ Focus on building a Efficiency Optimize Physical relationships and Resilience stable, low-cost T
Slide 14: Positioned for Earnings Growth in a Declining Rate Environment
Positioned for Earnings Growth in a Declining Rate Environment: Favorable Operating Proven Asset Interest Rate Efficiency The balance sheet is Quality Ongoing cost discipline Positioning Improvements Minimal exposure to New strategically positioned to initiatives are focused on York City office and
Slide 15: Enterprise-Wide Efficiency & Standardization Initiative
Enterprise-Wide Efficiency & Standardization Initiative Driving Sustainable Value for Shareholders “Operational agility and client-centricity are critical to our long-term success…” — Craig Montanaro, President & CEO Automation & Integration Client & Change Management Data & Insights • Redesign clie
Slide 16: Kearny Investment Services
Kearny Investment Services Strategic Growth Through Personalized Investment Solutions Driving Growth & Products & Services Shareholder Value $486M $369M Empowering confident financial Built a scalable platform in just Total Sales Assets under futures through personalized three years guidance and com
Slide 17: Results of Voting Report of the Inspector of Election
Results of Voting Report of the Inspector of Election 17
Slide 18: Annual Meeting of Stockholders
ANNUAL MEETING OF STOCKHOLDERS OCTOBER 21, 2025 10:00 AM
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