Financial Data and Key Metrics Changes - Total assets at the end of 2024 reached $6 billion, remaining consistent into Q1 2025 [17] - Total loans receivable increased by 2.2% or $100.8 million in 2024, reaching $4.76 billion, with flat growth in Q1 2025 [17][18] - Net income for 2024 was $61.8 million or $5.26 per diluted share, a decrease from $67.8 million or $5.61 per diluted share in 2023 [20] - Q1 2025 net income improved to $17.2 million or $1.47 per diluted share compared to $13.4 million or $1.13 per diluted share in Q1 2024 [20] - Return on average tangible common equity (ROATCE) and return on average assets (ROAA) declined for 2024 but improved in Q1 2025 compared to the prior year [21] Business Line Data and Key Metrics Changes - Multifamily residential and commercial real estate sectors drove loan growth in 2024, while construction lending also saw significant activity [17] - In Q1 2025, multifamily loans increased by $43 million, while commercial real estate and one to four family residential loans declined [34] - The company reported a net decrease in deposits of $116.2 million in 2024, primarily due to declines in non-interest bearing checking accounts and time deposits [19] Market Data and Key Metrics Changes - The competitive landscape for deposits has intensified, with a net decrease in deposits in 2024, but a subsequent increase of approximately $152.5 million in Q1 2025 [19] - Uninsured deposits accounted for 14% of total deposits as of March 2025, indicating stability in the deposit base [23][42] Company Strategy and Development Direction - The company emphasizes long-term value creation over short-term gains, focusing on disciplined capital allocation and strategic execution [15] - A commitment to enhancing shareholder value through stock repurchases and maintaining strong capital and liquidity positions is evident [15][31] - The company is investing in technology to improve customer experience and operational efficiency [49] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in navigating economic uncertainties and emphasized the importance of adaptability and prudent risk management [58] - The company anticipates increased loan demand for the remainder of 2025 while maintaining a disciplined approach to lending [37] - Management highlighted the importance of building strong relationships with customers to enhance lending opportunities [59] Other Important Information - The company declared a total regular cash dividend of $1.6 per common share in 2024 and $0.40 per common share in Q1 2025 [29] - Great Southern was recognized among the top performing banks in the BankDirector's 2024 Rating Banking Study, ranking 20 out of 300 banks [50] Q&A Session Summary - No questions were raised during the Q&A session, indicating a smooth presentation and clear communication from management [63]

迄今为止，设定ATM交易限额是各金融机构的自主性活动。目前很多金融机构将取款上限定为50万日 元（约合24180元），转账上限定为100万日元（约合48360元）。根据以所有金融机构为对象的法律实 施统一限制将是首次。 正在讨论的方案规定，75岁以上的老年人每天在ATM取款和转账的上限均为30万日元。考虑到养老金 的平均领取额等，警察厅认为这一水平既可以防止巨额诈骗，又能保持一定的便利性。 与此同时，还讨论将可能因业务而产生巨额转入转出的个体经营者作为例外排除在限制对象之外。警察 厅计划为修改相关规定而公开征求意见。 资料图 版权声明：日本经济新闻社版权所有，未经授权不得转载或部分复制，违者必究。 目前很多金融机构的ATM单日取款上限为50万日元，转账上限为100万日元。日本警察厅考虑将75 岁以上老年人的两种上限均定为30万日元。此举主要是为了防止巨额诈骗…… 日经中文网 https://cn.nikkei.com 日本经济新闻（中文版：日经中文网）3月25日获悉，日本警察厅正在朝着将75岁以上用户的ATM 每日交易限额设定为30万日元（约合人民币14510元）的方向展开讨论。在特殊诈骗激增的背景 下，希望 ...