First Financial Bancorp : Quarter 2025 Investor Presentation

Published: 2025-05-12 09:53:08 ET FFBC

Published on 05/12/2025 at 09:53

First Quarter 2025

forward looking statements disclosure

financial services reform and other current, pending or future legislation or regulation that could have a negative effect on our revenue and businesses, including the Dodd-Frank Act and other legislation and regulation relating to bank products and services;

the effect of the current interest rate environment or changes in interest rates or in the level or composition of our assets or liabilities on our

net interest income, net interest margin and our mortgage originations, mortgage servicing rights and mortgage loans held for sale;

the effect of a fall in stock market prices on our brokerage, asset and wealth management businesses;

a failure in or breach of our operational or security systems or infrastructure, or those of our third-party vendors or other service providers, including as a result of cyber attacks;

the effect of changes in the level of checking or savings account deposits on our funding costs and net interest margin; and

our ability to develop and execute effective business plans and strategies.

Additional factors that may cause our actual results to differ materially from those described in our forward-looking statements can be found in our Form 10-K for the year ended December 31, 2024, as well as our other filings with the SEC, which are available on the SEC website at https://www.sec.gov.

All forward-looking statements included in this filing are made as of the date hereof and are based on information available at the time of the filing. Except as required by law, the Company does not assume any obligation to update any forward-looking statement.

presentation contents

overview

1.85%

1Q Adj. PTPP ROAA(2)

(5.3B

wealth management (1)

(11.7B/(14.2B

loans / deposits

(18.5B

in assets

NASDAQ: FFBC

Headquarters: Cincinnati, Ohio

Founded: 1863

Banking Centers: 127

Employees: 2,021

Market Cap (3/31/25): (2.4B Dividend Yield (3/31/25): 3.8% CET1 Ratio: 12.29%

C&I, O-CRE, Treasury,

ABL, ESOP, Equipment Finance, Bannockburn Global Forex

Consumer, Small Business

1 Includes brokerage assets under care.

2 Non-GAAP financial measure which management believes facilitates a better understanding of the

Company's financial condition. See Appendix for Non-GAAP reconciliation.

Oak Street Funding / Franchise Summit Funding Group

Agile Premium Finance

Disclaimer

First Financial Bancorp published this content on May 12, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 12, 2025 at 13:52 UTC.