January 2022

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Forward Looking Statements

This presentation contains forward-looking statements that are intended to be covered by the safe harbor for such statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of the management of CVB Financial Corp. and Citizens Business Bank (collectively, the

"Company") and are subject to significant risks and uncertainties that could cause actual results or performance to

differ materially from those projected. You should not place undue reliance on these statements. Factors that could cause the Company's actual results to differ materially from those described in the forward-looking statements include, among others, changes in the U.S. economy or local, regional and global business, economic and political conditions; the impacts of the ongoing COVID-19 pandemic; changes in laws or the regulatory environment, including trade, monetary and fiscal policies and laws; inflation or deflation, interest rate, market and monetary fluctuations; the effect of acquisitions we have made or may make; changes in the competitive environment, including technological changes; cybersecurity and fraud threats; changes in the commercial and residential real estate markets; changes in customer preferences, borrowing and savings habits; geopolitical conditions, threats of terrorism or military action, catastrophic events or natural disasters such as earthquakes, drought, climate change and extreme weather; and unanticipated legal or regulatory proceedings. These factors also include those contained in the Company's filings with the Securities and Exchange Commission, including the "Risk Factors" section of the Company's Annual Report on Form 10-K for the year ended December 31, 2020. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements that the Company or its management may make from time to time. These forward-looking statements speak solely as of the date they are made and are based only on information

then actually known to the Company's executives who are making the associated statements. The Company does not undertake to update any forward-looking statements except as required by law.

Non-GAAPFinancial Measures-Certain financial information provided in this presentation has not been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") and is presented on a non-GAAP basis. Investors and analysts should refer to the reconciliations included in this presentation and should consider the Company's non-GAAP measures in addition to, not as a substitute for or as superior to, measures prepared in accordance with GAAP. These measures may or may not be comparable to similarly titled measures used by other companies.

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2

CVB Financial Corp. (CVBF)

Total Assets:

$

15.9

Billion

Gross Loans:

$

7.9

Billion

Total Deposits (Including Repos):

$

13.6 Billion

Total Equity:

$

2.1

Billion

  • Largest financial institution headquartered in the Inland Empire region of Southern California. Founded in 1974.

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Bank Accomplishments & Ratings

  • 179 Consecutive Quarters of Profitability
  • 129 Consecutive Quarters of Cash Dividends
  • Ranked #1 Forbes, 2021 Best Banks in America (January 2021)
  • Ranked #1 Forbes, 2020 Best Banks in America (January 2020)
  • Ranked #4 Forbes, 2019 Best Banks in America (January 2019)
  • Ranked #2 Forbes, 2017 Best Banks in America (January 2017)
  • Ranked #1 Forbes, 2016 Best Banks in America (January 2016)
  • BauerFinancial Report (most recent)
    • Five Star Superior Rating
      47 Consecutive Quarters
  • Fitch Rating
    • BBB+ (July 2021)
  • One of the 10 largest bank holding companies in CA

As of 1/14/2022

CVB Financial Corp. is the holding company for Citizens Business Bank

SNL Financial ranking of largest bank holding companies in CA, as of 12/31/2021

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4

65 Business Financial Centers

3 CitizensTrust Locations

Corporate Office

Business Financial Centers

CitizensTrust

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Disclaimer

CVB Financial Corporation published this content on 26 January 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 26 January 2022 21:58:04 UTC.