Core Viewpoint - IAG's share price experienced a significant decline of over 8% following the release of its third-quarter financial results, dropping to a low of 373p from a year-to-date high of 428p [1] Financial Performance - The financial results for the third quarter were published, indicating a notable impact on the company's stock performance [1] - The share price decline reflects investor reaction to the financial results, suggesting potential concerns regarding the company's performance [1]

Core Points - iA Financial Group has received a new unsolicited mini-tender offer from Ocehan LLC to purchase up to 50,000 common shares, which is approximately 0.05% of the total outstanding shares [1] - The offer price is set at $123.50 per share, amounting to an aggregate purchase price of less than $7 million [1] - iA Financial Group clarifies that it is not associated with Ocehan and does not recommend or endorse the acceptance of this offer [1]

Financial Data and Key Metrics Changes - IAMGOLD reported record mine site free cash flow of $292.5 million in the third quarter, driven by high production levels and gold prices [9][12] - The company's net debt decreased by $210.7 million to $813.2 million at the end of the third quarter, with total liquidity of approximately $707.2 million [9][11] - Revenues from continuing operations totaled $706.7 million from sales of 203,000 ounces at an average realized price of $3,492 per ounce [12][13] Business Line Data and Key Metrics Changes - Côté Gold produced a record 106,000 ounces in the third quarter, contributing significantly to the overall production of 190,000 ounces [6][7] - Essakane produced 108,000 ounces on a 100% basis, with production rebounding due to higher grades [28][30] - Westwood produced 23,000 ounces, tracking below the guidance range due to challenges in mining conditions [24][26] Market Data and Key Metrics Changes - The strong gold market has positively impacted IAMGOLD's financial performance, coinciding with the advancement of its assets [4][9] - Royalty costs increased by 61% on a per-ounce basis due to the strong gold market and new royalty regimes [30] Company Strategy and Development Direction - IAMGOLD is focused on consolidating its land position in the Chibougamau district through acquisitions, aiming to create a multi-asset gold mining complex [32][34] - The company plans to expand Côté Gold, targeting a significantly larger ore base and higher throughput [22][23] - A share buyback program has been approved, reflecting management's confidence in the company's long-term value [11][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving production guidance of 735,000-825,000 ounces for the year, with expectations for strong cash flow in the fourth quarter [7][8] - The company is committed to improving safety and operational efficiencies, with a focus on reducing costs and enhancing production [6][21] - Management acknowledged inflationary pressures but emphasized productivity improvements as a key focus for 2026 [54][58] Other Important Information - IAMGOLD's total recordable injury rate improved by 15% year over year, highlighting the company's commitment to safety [6] - The company is working on a new technical report and mine plan for Côté Gold, expected to be released in late 2026 [36] Q&A Session Summary Question: Anticipated cost improvements with the secondary crusher installation at Côté Gold - Management indicated that the secondary crusher will help reduce costs significantly, aiming for a target of $12 per ton in the future [37][39] Question: Share buyback program details - The company plans to allocate capital in thirds, focusing on internal growth, debt repayment, and share buybacks simultaneously [40][41] Question: Clarification on the timeline for the new technical report - Management confirmed that the next Côté Gold expansions will be disclosed in late 2026, correcting any previous miscommunication [42] Question: Cost expectations for Côté Gold moving forward - Management expects to see improvements in mining costs as the aggregate plan is phased out, with a focus on reducing rehandling and improving operational efficiencies [43][54] Question: Reserve pricing assumptions for future mine plans - The company plans to maintain conservative pricing assumptions for reserves, with a focus on maximizing cash flow [45][46]

Q3 2025 CONFERENCE CALL November 5, 2025 TSX: IMG | NYSE: IAG | www.iamgold.com CAUTIONARY STATEMENT All information included or incorporated by reference in this presentation, including any information as to the Company's vision, strategy, future financial or operating performance and other statements that express management's expectations or estimates of future performance or impact, including statements in respect of the prospects and/or development of the Company's projects, other than statements of his ...

Core Viewpoint - iA Financial Group has announced the renewal of its Normal Course Issuer Bid (NCIB), allowing the purchase of up to 4,607,178 common shares from November 14, 2025, to November 13, 2026, representing approximately 5% of its outstanding shares as of October 31, 2025 [1][4]. Summary by Sections Normal Course Issuer Bid (NCIB) - The current NCIB, expiring on November 13, 2025, allows for the repurchase of up to 4,694,894 common shares, with 2,089,000 shares already repurchased at an average price of approximately $140.2285 per share [2][3]. - Purchases will be made at market price through TSX and other trading systems, and all repurchased shares will be cancelled [3]. Shareholder Value - The board believes that repurchasing shares is a desirable use of available cash to enhance shareholder value [4]. Trading Volume and Purchase Limits - The average daily trading volume of the Corporation's shares was 265,608 over the last six months, allowing for a maximum purchase of 66,402 shares on any trading day under TSX rules [5]. Automatic Share Repurchase Plan - iA Financial Group has established an Automatic Share Repurchase Plan, pre-cleared by TSX, to facilitate share repurchases even during regulatory restrictions or blackout periods [6]. Additional Information - Shareholders can obtain documents related to the NCIB by contacting the Corporate Secretary of iA Financial Group [7].

Core Points - iA Financial Corporation Inc. announced a quarterly dividend of $0.9900 per common share for the quarter ended September 30, 2025, payable on December 15, 2025, to shareholders of record by November 21, 2025 [1] - The company also declared a semi-annual dividend of $33.4091096 per Non-Cumulative 5-Year Rate Reset Class A Preferred Share Series C, payable on December 31, 2025, to preferred shareholders of record by December 5, 2025 [3] - All dividends paid by iA Financial Corporation Inc. are classified as eligible dividends under the Income Tax Act (Canada) [4] Dividend Reinvestment Plan - Common shareholders wishing to enroll in the Dividend Reinvestment and Share Purchase Plan (DRIP) must do so by 4:00 pm on November 14, 2025, to reinvest the next dividend [2] - Shares issued under the DRIP will be purchased on the secondary market without any discount [2] Company Overview - iA Financial Group is one of Canada's largest insurance and wealth management groups, founded in 1892 and listed on the Toronto Stock Exchange under the ticker symbol IAG [5] - The company has operations in the United States and employs approximately 10,200 people [8]

Core Insights - iA Financial Group reported strong third-quarter results for the period ending September 30, 2025, with core diluted earnings per share (EPS) of $3.47, an 18% increase year-over-year, and net income attributed to common shareholders of $364 million, reflecting a 29% increase from the previous year [3][5][27] - The company achieved a core return on common shareholders' equity (ROE) of 17.2%, aligning with its 2027 target of 17%+, and a solvency ratio of 138%, indicating a robust capital position [3][5][38] - Wealth Management activities were particularly strong, generating over $1.1 billion in net fund sales, supported by the acquisition of RF Capital Group, which is expected to enhance growth opportunities [4][5][52] Financial Performance - Core EPS increased by 18% year-over-year to $3.47, while diluted EPS rose by 31% to $3.91 [3][5] - Net income attributed to common shareholders reached $364 million, up from $283 million in Q3 2024, with year-to-date net income at $871 million, a 21% increase [6][27] - The book value per common share was $79.22, reflecting a 4% increase over the quarter and an 11% increase over the year [5][40] Business Segments - In the Insurance, Canada segment, net income attributed to common shareholders was $103 million, a slight increase from $95 million in Q3 2024, with core earnings growing by 7% [14][66] - Wealth Management saw net income attributed to common shareholders of $116 million, up from $99 million a year earlier, with core earnings increasing by 18% [20][66] - The US Operations segment reported net income of $21 million, consistent with the previous year, while core earnings rose to $32 million from $31 million [17][20] Sales and Growth - Total net premiums, premium equivalents, and deposits exceeded $5.2 billion, marking a 6% increase compared to the same period last year [35] - Assets under management and administration reached nearly $289 billion, a 15% increase year-over-year, driven by strong net fund inflows and favorable market performance [34][39] - Individual Insurance sales in Canada totaled $102 million, maintaining the company's leading market position [30][31] Capital Position - Organic capital generation for the quarter was $170 million, contributing to a total of $495 million year-to-date, on track to meet the annual target of $650 million [5][39] - The company has $1.7 billion in capital available for deployment, reflecting a solid financial foundation for future growth [5][39] - The solvency ratio remained stable at 138%, well above the regulatory minimum of 90% [38] Strategic Developments - The acquisition of RF Capital Group was completed on October 31, 2025, for $693 million, expected to unlock synergies and enhance the company's position in the wealth management sector [52][55] - The company renewed its Normal Course Issuer Bid (NCIB) program, allowing for the repurchase of up to 5% of outstanding shares [41][56] - A new brand signature, "Get Ahead," was launched to reflect the company's growth ambitions and commitment to client-centric solutions [50]

The following Management's Discussion and Analysis ("MD&A") of IAMGOLD Corporation ("IAMGOLD" or the "Company"), dated November 4, 2025, should be read in conjunction with IAMGOLD's unaudited condensed consolidated interim financial statements and related notes for the three and nine months ended September 30, 2025 ("consolidated interim financial statements"). This MD&A should be read in conjunction with IAMGOLD's audited annual consolidated financial statements and related notes as at and for the fiscal y ...

Core Viewpoint - The third quarter of 2025 is a significant period for IAMGOLD, showcasing operational excellence, financial discipline, and responsible growth, with a strong focus on gold production and strategic initiatives [2]. Operating and Financial Highlights - Attributable gold production for Q3 2025 was 190,000 ounces, totaling 524,000 ounces year-to-date, on track to meet full-year guidance [5][13]. - Côté Gold Mine achieved record production of 106,000 ounces in Q3, with year-to-date production of 275,000 ounces [5][35]. - Revenues for Q3 2025 reached $706.7 million from sales of 203,000 ounces at an average realized gold price of $3,492 per ounce [5][12]. - Cost of sales per ounce sold was $1,593, with cash costs at $1,588 and all-in sustaining costs (AISC) at $1,956 [5][12]. - The company expects to achieve the top end of revised annual cash cost guidance of $1,375 to $1,475 per ounce sold and AISC guidance of $1,830 to $1,930 per ounce sold [6][17]. Corporate Financial Performance - Net earnings attributable to equity holders for Q3 2025 were $139.4 million, with adjusted net earnings of $170.9 million [8][12]. - EBITDA for Q3 was $338.4 million, with adjusted EBITDA at $359.5 million, contributing to a trailing twelve-month EBITDA exceeding $1 billion [8][12]. - The company reported record mine-site free cash flow of $292.3 million for Q3 2025 [8][49]. - Liquidity available was $707.2 million, with net debt reduced to $813.2 million, down $201.7 million during the quarter [8][12]. Strategic Initiatives - A share buyback program has been approved, allowing for the purchase of up to 10% of outstanding common shares, reflecting management's confidence in the company's future [8][9]. - The company is advancing expansion plans at Côté Gold and has announced acquisitions to consolidate the Chibougamau region, creating the Nelligan Complex [2][9]. - The combined assets from the acquisitions will position IAMGOLD as one of the largest pre-production gold camps in Canada, with significant mineral resources [9]. Health and Safety - The total recordable injuries frequency rate (TRIFR) for Q3 2025 was 0.56, indicating a focus on improving safety and reducing incidents [29]. Environmental, Social, and Governance (ESG) - The company released its 2024 Sustainability Report, aligning with various ESG frameworks and standards [26].

Core Viewpoint - The IAG share price is approaching its all-time high, reflecting a significant uptrend that began in April when it was priced at 206p, with an increase of over 107% [1] Group 1 - The share price of IAG has jumped by over 107%, making it one of the top gainers in the FTSE 100 [1]