2Q 2023 EARNINGS PRESENTATION F ORWAR D -L OOK I N G S TAT E M E N T S NON-GAAP FINANCIAL MEASURES • Net Income of $23.9M (-14% QoQ and +1% YoY) • ROTCE of 8.27% (-132 bps QoQ and -21 bps YoY) BEST Strategic Progress • Completed allocation of $100 million Sustainability Bond in 2Q23 BEST 3 YEAR TARGETS for JUNE 2024 10-12% 100-105 bps $180-200M Top 25% Top 25% ROA Increase ROA by 75-80bps* PPNR2 Increase PPNR by $80-100M* ROTCE Increase ROTCE by 700-900bps* ESG Become top quartile bank by leading ESG indexe ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-15781 BERKSHIRE HILLS BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 04-3510455 (State or other jurisdiction ...

Start Time: 10:00 January 1, 0000 10:47 AM ET Berkshire Hills Bancorp, Inc. (NYSE:BHLB) Q1 2023 Earnings Conference Call April 20, 2023, 10:00 AM ET Company Participants Nitin Mhatre - President and CEO David Rosato - CFO Greg Lindenmuth - CRO Kevin Conn - IR, Corporate Development Officer Conference Call Participants Billy Young - RBC Capital Markets Mark Fitzgibbon - Piper Sandler David Bishop - Hovde Group Chris O’Connell - KBW Operator Hello, everyone, and welcome to the Berkshire Hills Bancorp First Qu ...

COMMERCIAL REAL ESTATE VS. PEERS 10 Year Avg. 0.36% 0.26% 0.09% 0.01% -0.01% -0.02% 1Q22 2Q22 3Q22 4Q22 1Q23 S U P E R V I S O R Y C R E / T R B C C O N S T R U C T I O N / T R B C 259% 4Q21 333% 4Q22 333% 223% 39% 4Q21 26% 4Q22 26% 38% 300% 100% BHLB Peer Median Federal Monitoring Guideline C R E N C O / A V G . C R E L O A N S Annualized CRE NCO/ Avg. CRE Loans | --- | --- | --- | --- | --- | |-------|-------|--------------|------------------------|-------| | | | 10 Year Avg. | CRE NPL/ EOP CRE Loans | 0. ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-15781 Delaware 04-3510455 (I.R.S. Employer Identification No.) 60 State Street Boston Massachusetts 02109 (Address of principal ...

Berkshire Hills Bancorp, Inc. (NYSE:BHLB) Q4 2022 Earnings Conference Call January 26, 2023 10:00 AM ET Company Participants Kevin Conn - IR, Corporate Development Officer Nitin Mhatre - President and CEO Sean Gray - COO Brett Brbovic - Chief Accounting Officer and Interim CFO Greg Lindenmuth - CRO Stephen Finocchio - Treasurer Conference Call Participants Billy Young - RBC Mark Fitzgibbon - Piper Sandler David Bishop - Hovde Group Laurie Hunsicker - Compass Point Chris O'Connell - KBW Operator Good morning ...

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.01 per share BHLB The New York Stock Exchange UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period f ...

Berkshire Hills Bancorp, Inc. (NYSE:BHLB) Q3 2022 Earnings Conference Call October 20, 2022 10:00 AM ET Company Participants Kevin Conn - IR, Corporate Development Officer Nitin Mhatre - President, CEO Brett Brbovic - Chief Accounting Officer and Interim CFO Greg Lindenmuth - CRO Sean Gray - COO Conference Call Participants Billy Young - RBC Mark Fitzgibbon - Piper Sandler David Bishop - Hovde Group LLC Laurie Hunsicker - Compass Point Chris O'Connell - KBW Operator Hello everyone, and welcome to today's Be ...

BERKSHIRE HILLS BANCORP 3Q 2022 EARNINGS PRESENTATION October 20, 2022 F ORWAR D -L OOK I N G S TAT E M E N T S 2 This document contains "forward-looking statements" within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended, including statements regarding our outlook for earnings, net interest margin, fees, expenses, tax rates, capital and liquidity levels and other matters regarding or affecting Berkshire and its future b ...

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.01 per share BHLB The New York Stock Exchange UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from t ...