Financial Performance & Guidance - The Bancorp's Return on Equity (ROE) reached 29% in Q3 YTD 2025[8] - The Bancorp's Return on Assets (ROA) was 2.5% in Q3 YTD 2025[8] - The Bancorp's Efficiency Ratio was 41% in Q3 YTD 2025[8] - The company lowered its 2025 earnings per share guidance to $5.10[11] - The company aims for a $1.75 earnings per share run rate by Q4 2026, equivalent to $7.00 per share annually[11] - Preliminary 2027 full-year earnings per share guidance is $8.25[11] Fintech Solutions - Fintech Solutions contribute to 26% of the total bank revenue[40] - Fintech Solutions Group average deposits reached $7.6 billion in Q3 2025[48] - Fintech Solutions deposit growth is driven by increased transactional volume and new partners[49] - Insured deposits account for 92% of the total deposits[50] Lending Portfolio - Total loan portfolio principal stands at $6.799 billion as of September 30, 2025[58]

Core Insights - VCI Global Limited forecasts a revenue of US$47.3 million for the full year ending December 31, 2025, reflecting a significant year-over-year growth of approximately 70% from US$27.8 million in 2024 [5] - The company is focusing on high-margin, technology-driven verticals, particularly in AI, cybersecurity, and fintech, while maintaining a disciplined approach to profitability [2][4] Financial Guidance - Revenue is projected to grow to US$47.3 million, a 70% increase from 2024 [5] - Gross profit is expected to reach US$37.8 million, indicating an 80% gross margin [5] - EBITDA is forecasted at US$12.0 million, representing a 45% growth from US$8.3 million in 2024 [5] - Net income is anticipated to increase by approximately 20% to US$9.1 million compared to US$7.6 million in 2024 [5] - Net margin is projected at around 19%, reflecting strategic reinvestment in infrastructure [5] Strategic Growth Catalysts - VCI Global is implementing strategic initiatives to capture recurring revenue opportunities and expand market presence [3][6] - Key initiatives include the commercial rollout of GPU Lounge & GPU Cloud to meet AI compute demand, expansion of RWA Consultancy for blockchain adoption, scaling of cybersecurity and data analytics platforms, and fintech expansion in ASEAN markets [6][7] Positioning for Shareholder Value - The company's strategy emphasizes building durable, high-margin revenue streams through scalable technology platforms and capital-efficient investments [7] - VCI Global aims to capture a significant share of Southeast Asia's growing digital economy through its expanding pipeline across AI, cybersecurity, fintech, and digital asset infrastructure [7][8]

THE BANCORP INVESTOR PRESENTATION JULY 2025 2 FORWARD LOOKING STATEMENTS & OTHER DISCLOSURES Statements in this presentation regarding The Bancorp, Inc.'s ("The Bancorp") business, that are not historical facts, are "forward-looking statements." These statements may be identified by the use of forward-looking terminology, including the words "intend," "may," "believe," "will," "expect," "look," "anticipate," "plan," "estimate," "continue," or similar words. Forward-looking statements include but are not lim ...