So good morning children. It's wonderful to be here. I love children.I'm passionate about education and I must share with you that India has approximately 25 cr children and today we have in this audience maybe just a speck just one pencil dot but dear children you are the future of our country and I would like to share with you my journey in the field of education where we ignite minds. So do you want to be ignited children. Yes.Louder. Yes. That's it.Because that's what we are going to do today. Just now ...

Its ruling that burning fossil fuels can be “internationally wrongful” risks provoking a backlash https://t.co/WXGLcw9wpO ...

LVMH sales fell as shoppers reined in purchases of costly Louis Vuitton bags and Dior jackets, a sign the luxury titan remains stuck in its post-pandemic slump https://t.co/C3Xa6tZSFp ...

Financial Data and Key Metrics Changes - The company reported net income of $133 million or $0.22 per diluted share, compared to $106 million and $0.18 in the previous quarter, reflecting solid momentum in net interest income and non-interest income [4] - Adjusted net income was $134 million or $0.23 per share, up from $106 million on both reported and adjusted basis a quarter ago [4] - Profitability ratios, including return on average assets and return on tangible shareholders' equity, continue to trend higher and are on track to meet full year guidance [5] Business Line Data and Key Metrics Changes - Core deposit growth was $600 million, driven by growth in commercial non-interest bearing deposits and promotional CD offerings [14] - Non-interest income has grown at a 12% annual rate since 2017, more than double the pace of peers, with a significant improvement in the composition of that income [9][20] - C&I loan growth was particularly strong, with over $700 million growth, primarily from fund finance and healthcare verticals [50] Market Data and Key Metrics Changes - The company has added over 105,000 new deposit accounts, contributing to approximately 8% core deposit growth [6] - The geographic footprint combined with specialty verticals like healthcare and fund finance has provided flexibility and scale [8] - The CRE concentration ratio has declined to 349% from 474% at the end of 2023, surpassing year-end targets ahead of schedule [17] Company Strategy and Development Direction - The company is focused on deposit growth and funding transformation, with a deliberate investment in talent, technology, and targeted market penetration [6][10] - The strategic imperatives aim to transform Valley into a more diversified, efficient, and valuable institution, with a focus on capital markets, treasury management, and tax credit advisory offerings [10] - The company recognizes a disconnect between the quality of its franchise and the valuation of its shares, believing that continued execution of its strategy will close that gap over time [11] Management's Comments on Operating Environment and Future Outlook - Management anticipates continued net interest margin expansion driven by asset repricing and stable deposit pricing [27][28] - The outlook for loan growth is approximately 3% for the year, with net interest income growth estimates refined to a range of 8% to 10% [13] - Management expressed confidence in the credit outlook, expecting further normalization and a decline in provision and charge-offs throughout the year [22] Other Important Information - The company has grown cumulative tangible book value with dividends over 105% during the CEO's tenure, approximately 15% greater than the peer median [11] - The company remains extremely well capitalized relative to its risk profile, with ample flexibility to support strategic objectives [23] Q&A Session Summary Question: Can you speak to the ability to maintain deposit pricing given competitive nature and growth outlook? - Management anticipates margin will increase as the year progresses, driven by asset repricing and stability on the deposit side [27][28] Question: Can you provide comments about new non-accrual formation in the quarter? - The increase in delinquencies was driven by three credits, with two already cleared and the remaining expected to be resolved soon [51][52] Question: How is the competitive landscape in the technology and software sector affecting the company? - The company has built infrastructure to leverage its position in the technology sector, particularly through the acquisition of a team with strong market connections [39][40] Question: What are the expectations for loan growth in 2026? - While specific guidance for 2026 has not been provided, management anticipates low single-digit growth in CRE and overall loan growth could be closer to 5% [77]

Cineverse Teams with Air Bud Entertainment to Bring the Latest Installment of the Popular Franchise to Theaters with Wide Release to be Unleashed in Summer 2026LOS ANGELES, July 24, 2025 /PRNewswire/ -- In a move that marks a golden opportunity to reintroduce one of the most iconic family brands to fans, Cineverse (NASDAQ: CNVS), a next-generation entertainment studio, and Air Bud Entertainment (ABE) have today announced Air Bud Returns. This acquisition of the U.S. distribution rights is for a wide theatri ...

Todos en la vida tenemos ilusiones, unas ilusiones que se cumplen y otras que lamentablemente quedan en el tintero. Yo tengo una ilusión desde hace muchísimo tiempo y es que quisiera poder bailar tango y la verdad es que nunca he dado el paso que debería dar para aprender a bailar tanto. Y yo me pongo a pensar, qué lindo sería tener un profesor que me enseñe, tener una amiga que baile muy bien tango y que desee bailar conmigo un tango que me encanta, que es huracán.Veamos si lo puedo. [Aplausos] [Aplausos] ...

Hoy quiero contarles cómo aprender a jugar este juego realmente cambió absolutamente mi vida. Todos jugamos ajedrez, pero muy pocos realmente entienden de qué se trata el juego. Esta es una analogía del ajedrez con la vida.Cada movimiento, cada pieza que movemos es una decisión. Voy a contarles algo que está muy anexado a mi vida. Es cuando el peón entiende al rey.¿Qué quiere decir esto. En determinado momento de mi vida, viendo al tablero, viendo al tablero de ajedrez, viendo el tablero de la vida, yo ente ...

[Aplausos] Según un estudio de la Universidad de Scrampton de Pennsylvania y otras cuantas revistas de ejecutivas a nivel del mundo, únicamente el 8% de las personas eh cumple sus objetivos o su propósito. Ocho de 100 personas en el mundo. Y este es el tema del cual yo les quiero hablar el día de hoy. A ver si me funciona. Propósito, me van siguiendo por ahí. Cuando era pequeña, mi mamá, mi papá me cuentan que siempre decía alrededor de los 5 años más o menos, que yo quería estar en un escenario o en escena ...

ALASKA AIR GROUP Q2 2025 Earnings | July 23, 2025 Safe Harbor 2 Earnings Update 3 □ Reported Q2 2025 financials reflect consolidated results, while comparable prior year periods exclude Hawaiian results. Commentary on Q2 performance and forward-looking guidance is compared to pro forma periods as if the acquisition had occurred January 1, 2023. We believe this basis of comparison is relevant for understanding our expected results. □ Air Group's adjusted earnings per share of $1.78 exceeded the high end of o ...

CVB Financial (CVBF) Q2 2025 Earnings Call July 24, 2025 10:30 AM ET Speaker0Good morning, ladies and gentlemen, and welcome to the 2025 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call. My name is Sherry, and I am your operator for today. At this time, all participants are in a listen only mode. Later, we will conduct a question and answer period. Please note, this call is being recorded.I would now like to turn the presentation over to your host for today's call ...