Provident Financial Services (PFS) 8-K Regulation FD Disclosure

Investor Presentation

Fourth Quarter 2012

Exhibit 99.1

Certain

statements

contained

herein

are

"forward-looking

statements"

within

the

meaning

of

Section

27A

of

the

Securities

Act

of

1933

and

Section

21E

of

the

Securities

Exchange

Act

of

1934.

Such

forward-looking

statements

may

be

identified

by

reference

to

a

future

period

or

periods,

or

by

the

use

of

forward-looking

terminology,

such

as

"may,"

"will,"

"believe,"

"expect,"

"estimate,"

"anticipate,"

"continue,"

or

similar

terms

or

variations

on

those

terms,

or

the

negative

of

those

terms.

Forward-looking

statements

are

subject

to

numerous

risks

and

uncertainties,

including,

but

not

limited

to,

those

related

to

the

economic

environment,

particularly

in

the

market

areas

in

which

Provident

Financial

Services,

Inc.

(the

“Company”)

operates,

competitive

products

and

pricing,

fiscal

and

monetary

policies

of

the

U.S.

Government,

changes

in

government

regulations

affecting

financial

institutions,

including

regulatory

fees

and

capital

requirements,

changes

in

prevailing

interest

rates,

acquisitions

and

the

integration

of

acquired

businesses,

credit

risk

management,

asset-liability

management, the financial and securities markets and the availability of and costs associated with sources of liquidity.

The

Company

cautions

readers

not

to

place

undue

reliance

on

any

such

forward-looking

statements,

which

speak

only

as

of

the

date

made.

The

Company

also

advises

readers

that

the

factors

listed

above

could

affect

the

Company's

financial

performance

and

could

cause

the

Company's

actual

results

for

future

periods

to

differ

materially

from

any

opinions

or

statements

expressed

with

respect

to

future

periods

in

any

current

statements.

The

Company

does

not

undertake

and

specifically

declines

any

obligation

to

publicly

release

the

result

of

any

revisions

which

may

be

made

to

any

forward-

looking

statements

to

reflect

events

or

circumstances

after

the

date

of

such

statements

or

to

reflect

the

occurrence

of

anticipated or unanticipated events.

A

detailed

discussion

of

factors

that

could

affect

our

results

is

included

in

our

SEC

filings,

including

the

“Risk

Factors”

section

of

our

Annual

Report

on

Form

10-K

for

the

year

ended

December

31,

2011

and

our

Quarterly

Report

on

Form

10-Q

filed November 9, 2012.

Provident

Financial

Services,

Inc.

is

the

holding

company

for

The

Provident

Bank.

Established

in

1839,

The

Provident

Bank

emphasizes

personal

service

and

customer

convenience

in

attending

to

the

financial

needs

of

businesses,

individuals

and

families

in

northern

and

central

New

Jersey

through

its

network

of

full

service

branches,

as

well

as

its

telephone

and

web-based

banking services.

The

Bank’s

wholly

owned

subsidiary,

Beacon

Trust

Company

offers

a

full

range

of

asset

management

services

to

individuals,

municipalities,

not-for-profits,

corporations and pension funds.

Provident

Financial’s

common

stock

trades

on

the

NYSE

under

the

symbol

“PFS“.

New Jersey’s oldest state chartered bank

Experienced Management Team

Over 75 branch offices in 11 New Jersey Counties

Well capitalized under current regulatory standards

Nine year history of quarterly cash dividends to stockholders

Wealth Management and Trust Administration Services

No TARP

No dilutive stock offerings

Total Assets

$7.26 billion

3.05%

Net Loans

$4.75 billion

89.68%

Total Investments

$1.73 billion

81.25%

Total Deposits

$5.37 billion

1.46%

$630 million

ALLL/NPLs

66.50%

Selected Key Ratios

Q3 2012

Q3 2012

Net Interest Margin

3.31%

Annualized ROATE

10.29%

0.82%

Efficiency Ratio

58.10%

Annualized ROAA

0.90%

1.50%

Total Assets-CAGR 5 Years:

Financial data as of 9/30/12

Tangible Common Equity

Avg. Cost of Interest-bearing Liabilities

Loan/Deposit Ratio

ALLL/Total Loans

Core Deposits/Total Deposits

Net Operating Expense to Average Assets

LOAN PORTFOLIO

as of September 30, 2012

Total Loans: $4.8 Billion

Average Loan Yield:  4.68%

DEPOSIT MIX

as of September 30, 2012

Total Deposits:  $5.4 Billion

Cost of Deposits: 0.46%

($ in thousands, except per share data)

($ in thousands)

($ in thousands)

¬

Source:  Board of Governors of the Federal Reserve System H.8 release of November 16, 2012

($ in thousands)

($ in thousands)

Cumulative NCOs

since 9/08 =0.44%

($ in thousands)

Effective disaster contingency plan minimized

customer disruption

“At risk”

loans in designated flood zones in

Monmouth, Ocean, and Hudson counties represent

< 4%  of the total loan portfolio

Strong sponsors, prudent underwriting, federal

flood insurance, private coverage, and business

interruption insurance are expected to minimize

loss exposure

Assessment is ongoing on a loan-by-loan basis