Syensqo Appoints Two New Board Members Brussels, Belgium – July 17, 2025 - 17:30 CEST New Directors Bring Industry, Innovation and Leadership Experience to Advance Syensqo’s Evolution to a Specialty Chemicals Company SYENSQO SA (“Syensqo” or “the Company”) is pleased to announce the appointment of Dr. Cynthia Arnold and Augusto Di Donfrancesco as new members of its Board of Directors, effective July 17, 2025. They replace Matti Lievonen and Nadine Leslie who are stepping down from the Board to pursue other ...

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Harmony Biosciences (HRMY) Conference July 17, 2025 10:00 AM ET Speaker0Good morning, everyone, and welcome to HC Wainwright at Home, our virtual fireside chat series. I'm Patrick Trucchio, a senior health care analyst at HCW. Today, we're joined by Jeffrey Dano, president and chief executive officer Kumar Boudur, Chief Medical and Scientific Officer Sandeep Tapadia, Chief Financial Officer and Adam Zeski, Chief Commercial Officer of Harmony Biosciences. Harmony's commercial franchise is anchored by Wakix o ...

Group 1 - The "Core System Database Application Innovation Leading Plan" was officially launched to address pain points, methodologies, and solutions for core system database applications across various industries [1] - The plan aims to accelerate the upgrade and transformation of core systems, with participation from organizations like China Mobile Group, Tencent Cloud, and others [1] - Databases are identified as a critical foundation for data-driven digital economy development and essential for enterprises' intelligent transformation [1] Group 2 - The "2025 Database Development Research Report" indicates that the global database market is entering a phase of high-quality development, with China's database market continuing to expand [2] - The report highlights the integration of technologies and the emergence of AI-native database technologies, with increasing application depth in key industries [2] - The plan will collect suggestions and demands for core system database upgrades to ensure sustainable innovation in database applications in China [2]

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Financial Data and Key Metrics Changes - The company reported a return on tangible common equity of 18% and a return on assets (ROA) of nearly 1.3% with overall revenue growth of 1.6% compared to the prior quarter [5][6] - The common equity Tier one ratio increased, and the loan to deposit ratio remained flat at 81% [6][15] - The tangible book value per common share grew to $35.13, up over 3% from the previous quarter [15][23] Business Line Data and Key Metrics Changes - Total loans increased by $616 million or 1.2% linked quarter, with a notable one-time transfer of $242 million of loans to held for sale [16][17] - Total deposits grew by $739 million, with deposit costs up three basis points due to seasonal mix shifts [17][20] - Non-interest income was $95 million, reflecting a modest increase driven by growth in deposit service fees [20] Market Data and Key Metrics Changes - The company has not observed new pockets of credit deterioration across any industry or sector, maintaining a strong operating position [7][22] - The healthcare financial services segment is expected to benefit from favorable provisions in the reconciliation bill, potentially increasing HSA deposits significantly over the next five years [11][12] Company Strategy and Development Direction - The company is focused on organic growth, tuck-in acquisitions, and enhancing its healthcare services vertical [25][46] - The asset management partnership with Marathon is anticipated to enhance loan growth and drive fee revenue starting in 2026 [9][13] - The company aims to leverage its differentiated deposit profile and strong capital position to capitalize on growth opportunities [7][28] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about loan growth accelerating as clients adapt to the current economic environment [25][26] - The company is well-positioned to thrive in various operating environments, including an accelerating investment cycle [27][28] - Management remains vigilant regarding potential impacts from proposed tariffs but does not foresee significant exposure to affected industries [7][26] Other Important Information - The company authorized an additional $700 million in share repurchases and bought back 1.5 million shares during the quarter [6][15] - The company welcomed a new Chief Risk Officer and a new Board member, enhancing its executive management team [28][29] Q&A Session Summary Question: What is the company's willingness to reduce CET1 and thoughts on near-term buyback pace? - Management indicated a medium-term goal of 11% for CET1 and a potential reduction over time, with disciplined capital management strategies in place [34][35] Question: What is the outlook for NIM and cash balances? - Management confirmed that cash balances are at desired levels, with a slight impact on NIM expected from cash build and new debt issuance [40] Question: How does the company view deposit costs in light of expected rate cuts? - Management expects to lower deposit costs if rate cuts occur but noted significant competition in the deposit market [42][43] Question: What is the company's stance on M&A if the category four threshold is lifted? - Management stated that while they are not actively pursuing whole bank M&A, they remain open to opportunities if the regulatory environment changes [46][47] Question: How will the expansion of the HSA market impact expenses? - Management indicated no major changes in expense trajectory for HSA, with some marketing investments anticipated for consumer education [53][55] Question: What is the outlook for credit quality metrics? - Management expressed cautious optimism about continued improvement in credit quality metrics, with no new pockets of problems identified [76][78] Question: How will the joint venture with Marathon impact loan growth? - Management expects the joint venture to enhance competitive positioning and facilitate participation in larger transactions, positively impacting loan growth [95][101]