Byline Bancorp (BY) Investor Presentation - Slideshow

Company Overview - Byline Bancorp is a commercially-oriented community bank serving business and retail customers in the Chicago metropolitan area[7] - The company had a $207 million recapitalization in 2013[7] - As of June 30, 2020, total assets were $6394 million, total loans & leases were $4391 million, and total deposits were $4958 million[7] COVID-19 Response and PPP Program - Byline funded over $635 million of PPP loans by processing over 3700 applications[17] - The average PPP loan balance was $167000[18] - 74% of the PPP loans were less than $150000[18] Loan and Lease Deferral Update - As of August 31, 2020, $884 million in loans were on deferral, representing 24% of the portfolio[19] - Of the outstanding deferrals, 13% were in Accommodation & Food Services, 11% in Waste Management, and 10% in Consumer Loans[21] - As of August 31, 2020, over 1500 loans for $490 million have returned to regular payments since an initial deferral was granted[21] Second Quarter 2020 Financial Performance - Net income was $91 million, or $024 per diluted share[26] - Pre-tax pre-provision net income was $284 million[26] - Total assets increased by $6588 million, or 115%, from 1Q20[26] - Total deposits increased by 170% over 1Q20 to $50 billion[26] - The net interest margin (NIM) was 371%, down 80 bps YoY and down 46 bps QoQ[26] - The efficiency ratio was 5370%, compared to 6716% in 1Q20[26]