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8-K/A - 8-K/A - HarborOne Bancorp, Inc.a18-8446_18ka.htm

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Exhibit 99.1 2019 EPS Accretion > 70% 2020 EPS Accretion > 70% Tangible Book Value Dilution – Day 1 <$2.00/Share TBV Payback Period(2) ~4.1 Years Transaction is immediately accretive to earnings Internal rate of return >15% for HONE A rare acquisition opportunity for HONE HONE will benefit from significant cost savings, a larger balance sheet and increased earnings At $3.4 billion in net assets, the combined company is well-positioned to be opportunistic on a variety of strategic options going forward (1) Earnings and balance sheet projections for the combined company based upon management discussions, research analyst consensus estimates, advisor models, and historical performance based assumptions (2) TBV payback period based on the crossover method 14 Capital Impact 12/31/17 HONE Capital RatiosStandalonePro Forma TCE / TA 12.4% ~8.0% Leverage Ratio 12.7% ~8.2% CET1 Ratio 15.1% ~9.8% Tier 1 Ratio 15.1% ~9.8% RBC Ratio 16.0% ~10.5% Key Financial Impacts(1) HONE Transaction Impacts