🎦 From #SustainableFinanceEU and Market Data to Fund Management and #DigitalFinanceEU, we covered a wide range of topics over the past months in our webinars, hearings, and workshops.📂 Explore the slides and recordings → https://t.co/UNuxBGiaqP ...

Core Viewpoint - Diginex Limited and Resulticks Global Companies have mutually agreed to extend the due diligence period for their collaboration until August 31, 2025, allowing more time to finalize the definitive agreement after most material due diligence has been completed [1] Group 1: Company Overview - Diginex Limited is a leading provider of Sustainability RegTech solutions, focusing on streamlining ESG, climate, and supply chain data collection and reporting for businesses and governments [2] - The company employs advanced technologies such as blockchain, AI, and machine learning to enhance transparency in corporate regulatory reporting and sustainable finance [2] - Diginex's diginexESG platform supports 19 global frameworks, including GRI, SASB, and TCFD, offering comprehensive services from materiality assessments to ESG Ratings Support [3] Group 2: Resulticks Overview - Resulticks is a prominent provider of AI-powered, omnichannel customer engagement and data management solutions, enabling personalized experiences through real-time data analytics [4] - The company serves clients across various industries in North America, Asia, and the Middle East, with headquarters in New York and additional offices in India, Singapore, and Dubai [4]

Financial Data and Key Metrics Changes - The company reported a net income of $580 million for Q2 2025, which is double the amount reported a year ago and 30% higher than the previous quarter [21] - Return on equity (ROE) reached approximately 21%, reflecting strong year-over-year recovery [15][21] - Cost of risk stood at 2.5%, which is 150 basis points lower than the previous year, indicating improved asset quality [15][33] - Total loans grew by 6% year over year, outperforming the system by a multiple of around 3x [29] Business Line Data and Key Metrics Changes - The Wealth Management segment, through Intelligo, saw assets under management grow by 14% year over year, reaching new highs [12][44] - Interseguro reported a 77% increase in written premiums year over year, driven by growth in private annuities and life insurance [15][44] - The commercial banking segment gained 90 basis points in market share, supported by a focus on mid-sized companies and synergies with EasyPay [10][29] Market Data and Key Metrics Changes - The Peruvian economy showed an accumulated growth of 3.1% as of May 2025, with private investment projected to grow by 5% this year [7][8] - Inflation remains under control, with the reference rate at 4.5%, contributing to a stable economic environment [17] - Consumer confidence is improving, supporting domestic consumption, although loan growth remains below 2% year over year [19][20] Company Strategy and Development Direction - The company aims to achieve digital excellence, focusing on becoming the leading digital platform in Peru with a comprehensive suite of services [12][13] - There is a strategic emphasis on strengthening the payment ecosystem through Plin and EasyPay, enhancing transactional volumes and customer engagement [31] - The company is investing in technology to support long-term growth, with a focus on resilience, user experience, and advanced analytics [25][39] Management's Comments on Operating Environment and Future Outlook - Management expressed moderate optimism about Peru's growth outlook, despite potential volatility from international contexts and upcoming elections [8][9] - The company expects a more dynamic second half for the financial system, with total loans projected to grow around 5% [20] - Management highlighted the importance of maintaining a cautious approach to ensure healthy growth in the consumer portfolio [28] Other Important Information - The company reported a 10% year-over-year growth in retail primary banking customers, indicating a strengthening of primary banking relationships [15][40] - The cost of funds remained stable, with an improvement of 40 basis points year over year due to a better funding mix [15][37] - The company is focused on sustainability, with a sustainable loan portfolio reaching $400 million and various initiatives to promote inclusive growth [52][53] Q&A Session Summary Question: NIM expectations and asset quality trends - Management expects NIM to improve in the second half of the year, driven by a shift in portfolio mix towards more consumer loans [62] - Cost of risk is expected to remain below guidance, with a slight increase anticipated as the consumer loan book resumes growth [65][66] Question: OpEx growth trends for the second half and next year - OpEx is expected to continue increasing, but at a slower rate compared to the current year, aligning more closely with business growth [76][77] - Investments in technology and analytics will contribute to OpEx growth, but the focus remains on maintaining efficiency [72][75]

Earnings Presentation 2Q25 August 6th, 2025 Economic & Banking Industry Overview GDP growth driven by strengthening domestic demand Chile's GDP Growth YoY, % 4.5% 0.7% -2.1% -0.3% -0.1% 1.4% 1.1% 3.3% 1.2% 2.0% 4.0% 2.3% -3% -2% -1% 0% 1% 2% 3% 4% 5% Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Unemployment Rate % 10.9% 5.3% -40% -30% -20% -10% 0% 10% 20% Mar-22 May-22 Jul-22 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov ...

Core Insights - MuniFin Group's net operating profit excluding unrealised fair value changes decreased by 11.9% to EUR 79 million in the first half of 2025 compared to EUR 89 million in the same period of 2024 [2] - The Group's CET1 capital ratio was strong at 89.4%, although it decreased from 107.7% due to new CRR III rules [2][12] - Long-term customer financing increased by 3.7% to EUR 37,101 million, with green finance rising by 12.3% to EUR 7,892 million [2][12] Financial Performance - Net interest income fell by 3.6% to EUR 124 million from EUR 129 million [2] - Total costs increased to EUR 44 million from EUR 41 million, driven by IT system maintenance and development [2] - New long-term funding reached EUR 7,345 million, a significant increase of 48.6% compared to EUR 4,942 million in the previous year [2] Capital Adequacy - The leverage ratio stood at 11.4%, down from 12.3% [2][12] - The total liquidity was strong at EUR 13,025 million, with a Liquidity Coverage Ratio (LCR) of 390% [2] Market Outlook - The Group expects net operating profit excluding unrealised fair value changes for the second half of 2025 to be at the same level or lower than the previous year [3] - The economic environment remains uncertain, influenced by international capital markets and Finland's economic development [5][6] Social and Environmental Impact - Over half of the new customer financing granted in recent years has been either green or social finance [8] - A new sustainability-linked loan for municipalities was launched to support local climate initiatives [8]

Financial Data and Key Metrics Changes - Tangible book value per share increased by 14.6% year over year and 2.9% quarter over quarter, despite currency depreciation [4] - Return on tangible equity reached 20.4% and return on equity was 19.5% for the first half of 2025 [4] - Net attributable profit for the quarter was EUR 2,749 million, maintaining record profit levels despite falling rates and currency headwinds [5][7] - CET1 capital ratio improved by 25 basis points to 13.34% [8][17] Business Line Data and Key Metrics Changes - Core revenues showed robust growth with net interest income and fees increasing by 11% and 18% year over year, respectively [10] - Loan growth at the group level was 16% year over year, with Spain at 6.3% and Mexico at 11.7% [13][14] - Efficiency ratio improved to 37.6%, with costs growing at 10% below inflation [15] Market Data and Key Metrics Changes - In Spain, net profit reached EUR 1,100 million, supported by strong loan growth and improved deposit mix [23] - BBVA Mexico reported net profit of nearly EUR 1,300 million, driven by solid lending activity [27] - Turkey's net profit increased by more than 17% year over year, with significant NII growth [29] Company Strategy and Development Direction - The company aims to embed a radical client perspective and enhance customer service standards [38] - Focus on sustainability and enterprise growth, with a target of channeling EUR 700 billion in sustainable finance by 2029 [22] - Plans to improve profitability in core countries while managing costs and risk effectively [44] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong profitability despite macroeconomic challenges [36] - Expectations for stable interest rates in the coming years, which will help improve margins [43] - Anticipated gradual decline in inflation and interest rates in Turkey and Argentina, with a focus on improving profitability [42] Other Important Information - The company plans to distribute EUR 36 billion of capital, with a maximum of EUR 24 billion allocated for regular payouts [56][80] - The strategic plan includes a target of EUR 48 billion in cumulative net attributable profit over the 2025-2028 period [46] Q&A Session Summary Question: What would your RoTE and CET1 available for distribution look like using current forward FX rates? - Management confirmed that forward rates are used in all countries except Turkey, where a range of depreciations is applied due to uncertainty [63][64] Question: Can you clarify the 40 to 50 basis points benefit from capital simplification? - Management stated that this benefit has formal approval from the ECB and is based on simplifying models in Mexico and Spain [66][68] Question: How much were the VAT gross impacts and the recognition of DTAs? - The total impact from VAT and tax rate adjustments was around EUR 250 million, with half attributed to VAT and half to tax rate impacts [75] Question: Is the intention to distribute all of the EUR 36 billion available for distribution? - Management indicated that the intention is to distribute this amount, with EUR 24 billion earmarked for regular payouts [80]

Financial Data and Key Metrics Changes - The tangible book value per share plus dividends increased by 14.6% year over year and 2.9% quarter over quarter [4] - Return on tangible equity reached 20.4% and return on equity was 19.5% for the first half of 2025 [4] - Net attributable profit for the quarter was EUR 2,749 million, maintaining record profit levels despite falling rates and currency headwinds [5][7] - CET1 capital ratio improved by 25 basis points to 13.34% [8] Business Line Data and Key Metrics Changes - Core revenues showed robust growth with net interest income and fees increasing by 11% and 18% year over year, respectively [10] - Loan growth at the group level was 16% year over year, with Spain at 6.3% and Mexico at 11.7% [14][15] - Efficiency ratio improved to 37.6%, with costs growing at 10% below the average inflation rate [16] Market Data and Key Metrics Changes - In Spain, net profit reached EUR 1,100 million, supported by positive dynamics in net interest income and lower operating expenses [24] - BBVA Mexico reported a net profit of nearly EUR 1,300 million, driven by strong lending activity [28] - Turkey's net profit increased by over 17% year over year, driven by higher core revenues [30] - South America achieved a net profit of EUR 421 million, representing a 33% year-on-year increase [33] Company Strategy and Development Direction - The company aims to strengthen its leadership position through customer service excellence and sustainable growth [38] - Focus on increasing contributions from sustainability and enterprise segments, with a target of channeling EUR 700 billion in sustainable finance by 2029 [23] - Plans to improve profitability and efficiency, targeting a cost-to-income ratio of around 35% by 2028 [47] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong profitability despite macroeconomic challenges [36] - Expectations for stable interest rates in the coming years, which will help improve margins and profitability [44] - Anticipated gradual decline in inflation and interest rates in Turkey and Argentina, with a focus on improving asset quality [42] Other Important Information - The company plans to distribute approximately EUR 36 billion of capital, with a maximum of EUR 24 billion allocated for regular payouts [56][80] - The integration of Banco Sabadell is expected to enhance earnings generation, with further details to be provided in September [86] Q&A Session Summary Question: What would your RoTE and CET1 available for distribution look like using current forward FX rates? - The company uses forward rates in every country except Turkey, where a range of depreciations is applied due to uncertainty [63][65] Question: Can you clarify the 40 to 50 basis points benefit from capital simplification? - The ECB has formally approved the simplification, which will reduce RWA density and positively impact capital ratios [66][68] Question: How much were the VAT gross impacts and the recognition of DTAs? - The total impact from VAT and tax rate adjustments was around EUR 250 million, with half attributed to VAT and half to tax rate impacts [75] Question: Is there a chance to start the buyback before launching the offer for Sabadell? - The buyback will likely occur after the completion of the Sabadell integration process [91] Question: What are the prospects for lending growth in Mexico? - Lending growth is expected to remain strong, supported by investments and improved banking penetration [92]

Continued growth and on track to reach our targets 2Q2025 31 July 2025 Continued strong growth in 2Q2025; well on track to reach our targets Mobile primary customers +309,000 37% of our >40 mln customers are mobile primary1) +1 mln annual growth Lending growth2) €15.4 bln 6% annualised net core lending growth in 1H2025 ~4% annual growth Deposits growth2) €6.2 bln 8% annualised net core deposits growth in 1H2025 ~4% annual growth Fee income €1,122 mln 11% growth in 1H2025 versus 1H2024 Return on equity3) 12. ...

Core Insights - Crédit Agricole Group reported strong financial results for Q2 2025, with net income group share increasing by 30.1% to €2,638 million, driven by high revenues and a controlled cost of risk [18][34][48] - The group achieved revenues of €9,808 million, up 3.2% year-on-year, with a stable cost/income ratio of 59.9% [19][48] - The bank's CET1 capital ratio remains robust at 17.6%, indicating strong solvency [3] Financial Performance - Revenues for Crédit Agricole S.A. reached €7,006 million, a 3.1% increase compared to Q2 2024 [35][48] - Operating expenses rose by 2.2% to €3,700 million, leading to a gross operating income of €3,306 million, up 4.1% year-on-year [37][48] - The cost of risk was reported at -€441 million, an increase of 4.2% compared to the previous year [40][48] Business Segments - The Asset Gathering division saw assets under management grow to €2,905 billion, up 5.2% year-on-year, with strong inflows in asset management and insurance [12][49] - In the insurance sector, revenues reached €12.7 billion, a 17.9% increase from Q2 2024, driven by growth in savings and retirement products [50][62] - The Corporate and Investment Banking (CIB) segment reported record revenues, supported by strong capital markets activity [14][19] Customer Growth and Market Position - The group captured 493,000 new customers in retail banking during Q2 2025, with total on-balance sheet deposits reaching €838 billion, a 0.6% increase year-on-year [10][29] - Crédit Agricole's credit market share remained stable at 22.6%, with loan production up 18.8% compared to Q2 2024, particularly in housing loans [29][30] Strategic Developments - The group is actively pursuing strategic operations, including partnerships and acquisitions, with notable transactions in the U.S. and Europe [5][6] - Crédit Agricole continues to support the transition to low-carbon energy, with investments in sustainable finance recognized by Euromoney as the World's Best Bank for Sustainable Finance [15][17]

Core Insights - ING reported a net result of €1,675 million for 2Q2025, with a profit before tax of €2,369 million and a CET1 ratio of 13.3% [1][7] Financial Performance - The company experienced strong growth in lending volumes and fee income, with fees now constituting almost 20% of total income [2][3] - Total income remained stable despite a year-on-year decline in commercial net interest income (NII) due to margin pressure and currency fluctuations [3] - Retail Banking saw a net core lending growth of €11.3 billion, including €7.2 billion in mortgages and €3.2 billion in Business Banking [4] - Wholesale Banking achieved net core lending growth of €4.1 billion, with a 12% year-on-year increase in fee income driven by various banking services [5] Customer Growth and Engagement - The customer base grew significantly, with over 300,000 new mobile primary customers added in the quarter, totaling 14.9 million [9] - Retail fee income increased by 12% year-on-year, primarily due to higher investment activity [4] Cost Management and Efficiency - Costs increased moderately year-on-year, with prudent expense management prioritized to offset inflation and investments through efficiency measures [6] - Ongoing improvements to KYC processes and restructuring of the Wholesale Banking workforce were announced [6] Sustainability Initiatives - ING mobilized €67.8 billion in sustainable volume for the first half of 2025, marking a 19% increase compared to the same period in 2024 [8] - A new mortgage pricing model linked to energy labels was introduced in the Netherlands, offering lower interest rates for eligible customers [8] Dividend and Shareholder Returns - The company announced an interim cash dividend of €0.35 per ordinary share [9]