Investor Presentaiton
Forward-Looking Statements
Certain matters set forth herein (including the exhibits hereto) constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of
1995, including forward-looking statements relating to the Company's current business plans and expectations and our future financial position and operating results.
These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance and/or achievements to differ materially from those
projected. These risks and uncertainties include, but are not limited to, local, regional, national and international economic and market conditions and events and the
impact they may have on us, our customers and our assets and liabilities; our ability to attract deposits and other sources of funding or liquidity; supply and demand for
real estate and periodic deterioration in real estate prices and/or values in California or other states where we lend, including both residential and commercial real estate; a
prolonged slowdown or decline in real estate construction, sales or leasing activities; changes in the financial performance and/or condition of our borrowers, depositors or
key vendors or counterparties; changes in our levels of delinquent loans, nonperforming assets, allowance for loan losses and charge-offs; the costs or effects of
acquisitions or dispositions we may make, whether we are able to obtain any required governmental approvals in connection with any such acquisitions or dispositions,
and/or our ability to realize the contemplated financial or business benefits associated with any such acquisitions or dispositions; the effect of changes in laws, regulations
and applicable judicial decisions (including laws, regulations and judicial decisions concerning financial reforms, taxes, banking capital levels, consumer, commercial or
secured lending, securities and securities trading and hedging, compliance, employment, executive compensation, insurance, vendor management and information
security) with which we and our subsidiaries must comply or believe we should comply; changes in estimates of future reserve requirements and minimum capital
requirements based upon the periodic review thereof under relevant regulatory and accounting requirements, including changes in the Basel Committee framework
establishing capital standards for credit, operations and market risk; inflation, interest rate, securities market and monetary fluctuations; changes in government interest
rates or monetary policies; changes in the amount and availability of deposit insurance; cyber-security threats, including loss of system functionality or theft or loss of
Company or customer data or money; political instability; acts of war or terrorism, or natural disasters, such as earthquakes, drought, or the effects of pandemic diseases;
the timely development and acceptance of new banking products and services and the perceived overall value of these products and services by our customers and
potential customers; the Company's relationships with and reliance upon vendors with respect to the operation of certain of the Company's key internal and external
systems and applications; changes in commercial or consumer spending, borrowing and savings preferences or behaviors; technological changes and the expanding use of
technology in banking (including the adoption of mobile banking and funds transfer applications); the ability to retain and increase market share, retain and grow
customers and control expenses; changes in the competitive and regulatory environment among financial and bank holding companies, banks and other financial service
providers; volatility in the credit and equity markets and its effect on the general economy or local or regional business conditions; fluctuations in the price of the
Company's common stock or other securities; and the resulting impact on the Company's ability to raise capital or make acquisitions, the effect of changes in accounting
policies and practices, as may be adopted from time-to-time by our regulatory agencies, as well as by the Public Company Accounting Oversight Board, the Financial
Accounting Standards Board and other accounting standard-setters; changes in our organization, management, compensation and benefit plans, and our ability to retain
or expand our workforce, management team and/or our board of directors; the costs and effects of legal, compliance and regulatory actions, changes and developments,
including the initiation and resolution of legal proceedings (such as securities, consumer or employee class action litigation), regulatory or other governmental inquiries or
investigations, and/or the results of regulatory examinations or reviews; our ongoing relations with our various federal and state regulators, including the SEC, FDIC, FRB
and California DBO; our success at managing the risks involved in the foregoing items and all other factors set forth in the Company's public reports, including its Annual
Report as filed under Form S-1 that was declared effective on July 25, 2017, and particularly the discussion of risk factors within that document. The Company does not
undertake, and specifically disclaims any obligation, to update any forward-looking statements to reflect occurrences or unanticipated events or circumstances after the
date of such statements except as required by law. Any statements about future operating results, such as those concerning accretion and dilution to the Company's
earnings or shareholders, are for illustrative purposes only, are not forecasts, and actual results may differ.
RBB BANCORP
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