Group 1 - The Annual Financial Report for Societe Generale SCF for the year ended December 31, 2025, has been filed with the French financial markets authority on March 31, 2026 [1] - The report is available to the public in French, free of charge, and can be accessed on the Societe Generale group's website and the AMF's website [2] - Societe Generale SCF is a specialized credit institution established under French law, authorized to operate as a SCF since December 20, 2007 [3] Group 2 - Societe Generale is a leading European bank with approximately 110,000 employees serving 27 million clients across 58 countries [4] - The bank has been providing a wide range of advisory and financial solutions for over 160 years, focusing on sustainable value creation for stakeholders [4] - The Group operates three complementary business segments, emphasizing ESG offerings and aims to be a leader in environmental transition and sustainability [5] Group 3 - The Group is included in major socially responsible investment indices, such as DJSI, FTSE4Good, and MSCI Low Carbon Leaders Index [5] - Societe Generale offers a variety of services including retail banking, private banking, insurance, and global banking solutions [8]

Core Insights - AFL Group achieved record results in fiscal year 2025, doubling its net profit to €10.8 million, reflecting a 100% year-on-year increase [2][6] Financial Performance - Net banking income reached €30.8 million, up 28% year-on-year, while operating expenses increased by 8% to €17.5 million [2][3] - Gross operating income surged by 69% to €13.3 million, and net income before tax rose by 78% to €13.3 million [2][3] - The cost/income ratio improved to 64.4% from 67.8% in the previous year [2] Capital Structure - AFL Group's committed capital increased by 9% to €356 million, supported by four capital increases in 2025 [3] - The Common Equity Tier 1 (CET1) ratio stood at 59.45%, with the Tier 1 ratio at 61.33% [3][4] Liquidity Position - The liquidity reserve as of December 31, 2025, allows AFL to meet its needs for 12 months without market recourse, with a Liquidity Coverage Ratio (LCR) of 485% and a Net Stable Funding Ratio (NSFR) of 157% [5] Credit Activity - Outstanding loans reached €10.7 billion by the end of 2025, driven by competitive credit offers to shareholders [7] - Medium-long-term loan origination totaled €1.832 billion, with short-term credit lines amounting to €635 million [3] Market Position and Ratings - AFL's debt was upgraded to HQLA 1 in 2024, and in 2025, Fitch Ratings revised its long-term rating to A+ with a stable outlook, while S&P Global Ratings also adjusted its rating to A+/A-1 [10][13] - The average cost of funding narrowed significantly to 15.6 basis points above the OAT curve, down from 32.5 basis points in 2024 [8] Sustainable Finance Initiatives - AFL revamped its sustainable bond issuance framework in 2025, raising a cumulative total of €2.25 billion since 2020 through sustainable bonds [22][24] - The 2025 Sustainable Bond Report details the allocation and impact of funds raised, contributing to the United Nations Sustainable Development Goals [24][25]

FY 2025 Debt Investor Presentation Business & Strategic Overview 1 2 Unrivalled position as Ireland's national champion bank Embedded in every community across Ireland Powering 40% of all payments in the Irish economy 81% of our Irish PCA customers are digitally active c.200 locations > 4m customers across the Group #1 Mortgages c.33% PCA market share2 #2 Everyday Banking 42% Mortgage market share1 #1 Wealth for HNW €60bn AUM £6bn NI deposits £1bn NI loans #1 Irish Commercial bank >50% SME lending share ROI ...

Core Insights - The global sustainable bond market is projected to stabilize at issuance levels of $800 billion to $900 billion by 2026, indicating a transition from rapid growth to market consolidation [1][1][1] Regional Trends - **Middle East**: Sustainable bond issuance is expected to remain strong, driven by government integration of sustainability into economic diversification strategies and investments in renewable energy and sustainable infrastructure [1][1] - **Latin America**: The region is anticipated to experience modest growth in sustainable bonds, fueled by funding needs in renewable energy, climate adaptation, and social initiatives, with strong demand from various sectors [1][1] - **Asia-Pacific**: Many sustainable bonds are nearing maturity, creating refinancing opportunities and encouraging issuers to return to the market with updated sustainability frameworks or new projects, supported by local-currency debt markets and regulatory efforts [1][1] - **United States**: Municipal issuers play a significant role in sustainable financing, particularly for clean transportation and climate resilience projects, although labeled issuance has slowed as some issuers opt for conventional bonds [1][1] - **Europe**: The region is expected to maintain its position as the largest sustainable bond market, with issuance stabilizing due to strong regulatory frameworks and evolving policy standards [1][1] Market Dynamics - Analysts expect the sustainable bond market to focus more on credibility, transparency, and measurable outcomes rather than just growth, indicating a strategic shift in market behavior [1][1][1]

Market Challenges Dampen Group Profitability Wharf Real Estate Investment Company Limited 2025 Final Results | 10 Mar 2026 • UNP +5% to $2.13 per share • 2H DPS +10% to $0.66 (FY $1.32) • Net Debt ↓$2.2B to $32B; Gearing 17.2% • Interest Cost Decline Outpaced Mild Declines in Revenue & OP • Overall Occupancy of IP Portfolio 92% • Net Asset Value -3% to $59.85 per share Economic Indicators Positive But … Source: Bloomberg, Census and Statistics Department, Hong Kong Tourism Board OVERVIEW Results Highlights ...

Core Insights - Bank of Baroda raised Rs 10,000 crore through Series I long-term green infrastructure bonds, marking the first issuance of domestic green bonds by a bank in India [3] - The seven-year bond was placed on the Electronic Book Provider platform of the National Stock Exchange of India, with a base issue of Rs 5,000 crore and a greenshoe option of Rs 5,000 crore, receiving bids worth Rs 16,415 crore [2][3] - The bank set a 7.1% annual cut-off coupon despite market volatility, indicating strong investor interest [2][3] - The tight pricing resulted in a "Greenium," reflecting investor appetite for sustainable finance and the bank's ESG track record [2][3] - Proceeds from the bond issuance will fund eligible green projects under the bank's green financing framework, supporting India's infrastructure needs and promoting a transition to a cleaner, greener future [2][3]

Deutsche Bank Sustainability Strategy From Ambition to Impact February 2026 Sustainability journey to date As of February 2026 Deutsche Bank Chief Sustainability Office | ES policy framework | German financial | 1 st Sustainability | Financed emission from | Financed emissions | | | Nature ambition introduced | | --- | --- | --- | --- | --- | --- | --- | --- | | substantially | sector's commitment | deep Dive hosted: | corporate loan book disclosed | from European | | Introduction of divisional carbon | to ...

Core Insights - Diginex Limited has signed the Abu Dhabi Sustainable Finance Declaration, enhancing its involvement in the sustainable finance ecosystem in Abu Dhabi [1][5][8] - The Abu Dhabi Declaration aims to promote sustainable finance capabilities in the UAE, aligning with UN Sustainable Development Goals and the Paris Agreement [2][5] - The UAE is advancing climate accountability through Federal Decree-Law No. (11) of 2024, which sets expectations for emissions measurement and reporting [3][4] Company Engagement - Diginex supports the UAE's Net Zero 2050 objectives by helping organizations establish carbon baselines and transition pathways [4][8] - The company is focused on aiding organizations in compliance with the UAE Federal Climate Law, which has reporting obligations starting May 30, 2026 [8] - Diginex's ESG platform supports 19 global frameworks, providing comprehensive services from data management to stakeholder engagement [9] Industry Context - The Abu Dhabi Declaration has expanded from 25 founding signatories to over 170 organizations, including major banks and institutional investors [5][6] - ADGM has established sustainable finance regulatory frameworks and ESG disclosure standards to enhance transparency in capital markets [6] - The active companies in ADGM have increased by 42% year-on-year, indicating a growing sustainable finance ecosystem [6]

Standard Chartered Investor overview February 2026 Standard Chartered history spans over 170 years We operate in the world's most dynamic markets Present in 54 markets; using the power of our network to maximise opportunities for people and businesses who trade, operate, or invest across our markets. Our diverse experience, capabilities and culture set us apart Our locations Europe and America Our Americas franchise is focused on CIB business, and our London headquarters also services our Private Bank clien ...

Core Insights - The International Stock Exchange (TISE) achieved a record 1,140 new listings in 2025, marking a 19.7% year-on-year increase [1] - The total number of securities on TISE's Official List reached 4,818 by December 31, 2025, reflecting a 7.4% year-on-year growth [2] - The market value of listed securities hit £797 billion at the end of 2025, representing a 12.6% increase compared to the previous year [2] Company Performance - TISE's CEO, Cees Vermaas, highlighted the milestone year for the exchange, particularly noting MIAX's acquisition of TISE in June 2025 and the strong growth in listings [3] - The exchange's issuer base expanded to 38 territories, with the UK contributing 46.9% of new listings and the European Union accounting for a record 31.1% [4] Sector Highlights - The number of private equity debt securities listed on TISE reached 2,135, with 407 new listings in 2025, an 18.7% increase year-on-year [8] - High yield bonds saw significant growth, with 220 new listings in 2025, resulting in a total of 533 high yield bonds, a 74.6% increase [8] - Securitization bonds totaled 631, with 150 new listings, marking an 8.7% increase [8] - TISE became the largest market for listed UK REITs, with a total of 41 REITs listed [8] - The value of listings supporting environmental, social, and sustainable initiatives reached £32.2 billion, a 25.3% increase year-on-year [8]