Financial Performance - Net sales decreased by 7% to $368 million in Q1 FY26 compared to the previous year[33] - Organic net sales decreased by 6% to $341 million in Q1 FY26[33] - Adjusted gross margin was 195% in Q1 FY26, a decrease of 120 bps[33] - Adjusted EBITDA decreased by 12% to $20 million in Q1 FY26[33] - Adjusted EBITDA margin was 54% in Q1 FY26, a decrease of 30 bps[33] - Adjusted net loss was -$7 million, and adjusted EPS was -$008[33] Segment Performance - North America organic net sales decreased by 7%[39] Adjusted EBITDA increased by 37%[39] - International organic net sales decreased by 4%[42] Adjusted EBITDA decreased by 38%[42] Strategic Initiatives - The company is targeting the elimination of approximately 30% of SKUs in North America through FY2027[18] - Productivity savings of approximately $67 million were delivered in FY2025, with a target of $60 million for FY2026[24] - Net debt was reduced by $15 million compared to the previous year[52]

NYSE: FUN 2025 Third Quarter Earnings Call Presentation November 7, 2025 Safe Harbor Some of the statements contained in this presentation that are not historical in nature are forward-looking statements within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including statements as to our expectations, beliefs, goals and strategies regarding the future. Words such as "anticipate," ...

Business Highlights - Total client assets reached $313 Billion[6] - Long-term gross flows amounted to $17 Billion[6] - Adjusted EBITDA stood at $190.5 Million with a margin of 52.7%[6] - Adjusted earnings per diluted share with tax benefit was $1.63[6] - Pioneer Investments realized over $86 Million of the projected $110 Million in net expense synergies since the transaction closed on April 1[6] ETF Growth - ETF AUM reached $17.2 Billion[18] - Year-to-date net flows for ETFs were $5.4 Billion, representing a 53% increase[17] Investment Performance - 64% of Total Mutual Funds and ETFs AUM with 4- or 5-Star overall ratings[23] - 63% of strategies outperformed benchmarks over a 3-year period[25] Capital Allocation - $1.1 Billion has been returned to shareholders since IPO[30] - Strategic acquisitions, share repurchases, and dividends totaled $0.2 Billion, $0.4 Billion, and $1.6 Billion respectively[28] Financial Results - Revenue for the quarter was $361.2 Million[35] - GAAP Operating Income was $138 Million[35] - Adjusted Net Income with tax benefit reached $141.3 Million, or $1.63 per diluted share[35]

Safe Harbor 3Q25 Earnings Call Presentation This presentation may include certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding future financial performance, future growth and future acquisitions. These statements are based on Pangaea's and managements' current expectations or beliefs and are subject to uncertainty and changes in circumstances. Actual results may vary materially from those expressed or implied by the sta ...

Financial Highlights - United Bankshares, Inc(UBSI) achieved a record Net Income of $130.7 million and record Diluted Earnings Per Share of $0.92[8] - The company generated a Return on Average Assets of 1.57%, Return on Average Equity of 9.58%, and Return on Average Tangible Equity of 15.45%[8] - Net Interest Income was $280.1 million, and Net Interest Margin (FTE) remained solid at 3.80%[8] - The efficiency ratio is strong with expense control at 45.39%[8] Balance Sheet and Loan Portfolio - The company achieved period-end annualized loan growth and deposit growth of approximately 8%[8] - Linked-Quarter loan balances increased by $470 million, driven by Non-Owner Occupied CRE loans and Residential Real Estate loans[22] - Total loans reached $24.5 billion, with Non-Owner Occupied CRE accounting for 34%, CRE Owner Occupied for 9%, C&D for 15%, C&I for 15%, Residential Real Estate for 24%, and Other Consumer for 3%[24] Asset Quality - Non-Performing Assets (NPAs) increased to $123.8 million as of September 30, 2025, compared to $74.6 million as of June 30, 2025, with the ratio of NPAs to Total Assets increasing from 0.23% to 0.37%[27] - ALLL as a percentage of Total Loans decreased from 1.28% to 1.22% linked quarter[29] Deposits and Liquidity - Deposits increased by $548 million linked quarter, driven by Money Market, Interest-Bearing Transaction, and Time Deposit accounts[33] - Non-Interest Bearing accounts make up 25% of deposits[32] - Liquidity remains strong, with estimated uninsured/uncollateralized deposits at 33% of total deposits[36]

Financial Performance - Diluted EPS 为 $088，高于上一季度的 $071[19] - 净收入为 $136 million，比上一季度增长 232%，比去年同期增长 10%[19] - 核心税前拨备前净收入 (PPNR) 为 $191 million，比上一季度增长 246%，比去年同期增长 155%[19] - 总收入增长 211%，达到 $1447 million[12,19] - 核心净收入增长 13%，达到 $529 million[12,19] Balance Sheet - 贷款总额（扣除递延费用）增加 $1635 million，即 46%，达到 $370 billion[12,19] - 存款增加 $590 million，即 15%，达到 $397 billion[12,19] - 有形账面价值增长 28%，达到每股 $3145[19] - 将 $6723 million 的存款转移到表外，用于 FDIC 保险和流动性目的，产生 $311000 的非利息收入[12,19] CCBX (Banking as a Service) - CCBX 贷款销售额为 $162 billion，高于上一季度的 $130 billion[19] - CCBX 贷款总额增长 $1239 million，即 74%[61] - CCBX 存款增长 $148 million，即 06%[61] - BaaS 项目费用收入同比增长 465%[37,52] Capital and Liquidity - 现金和即时借款能力合计 $135 billion[27] - 相当于 2025 年 9 月 30 日存款总额的 340%[27] - 一级杠杆资本为 105%[27] - 普通股一级风险资本为 123%[19,27]

Business Strategy and Growth - Rightmove aims to develop the leading digital ecosystem for the entire moving experience, leveraging data and network effects[6, 22] - The company sees a >£10 billion opportunity in Afford, Transact, Move, and Lifecycle segments beyond Find, supported by long-term growth trends like UK population growth of +450k adults p.a and constrained home supply of +250k p.a[3, 20] - Strategic Growth Areas have delivered revenue growth rates at 3x Core, progressing towards large business opportunities[17] - Rightmove's consumer-driven network effects are strong, serving as a powerful engine for future growth[17] AI and Technology - AI is now central to all Rightmove's operations, with 27 in-flight AI initiatives across Core Partner, Consumer, and New Growth areas[34, 35, 36] - The company is investing to accelerate consumer innovation, AI-powered operations, and R&D for new growth, with a focus on enhancing network effects and operational efficiency[38] - Rightmove leverages scaled, proprietary, and connected data to create unique value through data loops, AI modeling, and AI-powered products, resulting in >50% uplift in accuracy[28, 31, 32] Financial Performance and Outlook - Rightmove is making a focused £12 million P&L incremental investment in 2026[65] - The company anticipates revenue growth of 8% to 10% and underlying operating profit growth of 3% to 10% during the investment stage guidance (2026-8)[69] - Rightmove expects EPS growth of 5% to 12% during the investment stage (2026-8), with an ambition for ≥15% growth by 2030[69]

Financial Performance (First Half FY2026) - Operating profit decreased by 410% to 4381 billion yen, with operating margin declining from 69% to 41%[5] - Sales revenue decreased slightly by 15% to 106326 billion yen[5] - Profit for the period attributable to owners of the parent decreased by 370% to 3118 billion yen[5] - Operating cash flows after R&D adjustment amounted to 12813 billion yen[3] Segment Performance (First Half FY2026) - Motorcycle business operating profit increased by 130% to 3682 billion yen, with an operating margin of 192%[14, 17] - Automobile business experienced a significant decrease in operating profit, resulting in a negative operating margin of -10%[14, 20] - Financial Services business saw an operating profit of 1432 billion yen, with an operating margin of 85%[14] Full Year FY2026 Forecast Revision - Revised forecast for operating profit is 5500 billion yen, a 547% decrease compared to the FY2025 results[6, 24] - Revised forecast for profit for the year attributable to owners of the parent is 3000 billion yen, a 641% decrease[6, 24] - Sales revenue forecast revised to 207 trillion yen, a 46% decrease[6, 24] - Automobile sales forecast revised downwards from 362 million units to 334 million units[4]

3Q25 Earnings Release Disclaimer This presentation has been prepared by KT Corp.(the "Company") in accordance with K-IFRS. This presentation contains forward-looking statements, which are subject to risks, uncertainties, and assumptions. This presentation is being presented solely for your information and is subject to change without notice. No presentation or warranty, expressed or implied, is made and no reliance should be placed on the accuracy, actuality, fairness, or completeness of the information pre ...

Non-Auto Insurance Rectification and Development - The non-auto insurance segment is transitioning to a high-quality era driven by compliance and quality, with comprehensive rectification measures being implemented [6] - The "Circular on Strengthening the Supervision of Non-Auto Insurance Business" (Jin Fa [2025] No 36) is effective from November 1, 2025, promoting rational competition [8] - The 15th Five-Year Plan presents significant growth opportunities for non-auto insurance, aligning with national strategic goals [20] - PICC P&C focuses on strategic tasks to serve economic and social development during the 15th Five-Year Plan, acting as an "economic shock absorber" and "social stabilizer" [24] PICC P&C's Non-Auto Business Capabilities - PICC P&C's non-auto business structure encompasses large, medium, small, micro, individual, and government clients, supported by risk data resources and professional teams [29] - PICC P&C possesses six core capabilities in its non-auto insurance business: precise pricing, rigorous underwriting, omni-channel customer acquisition, professional claims service, comprehensive reinsurance support, and cutting-edge risk reduction [32] - PICC P&C has a dedicated team of independent underwriters, with 76 required courses, ensuring full-chain closed-loop management [43] - PICC P&C's claims team includes 180 commercial non-auto claims experts, achieving a 7262% incremental loss reduction rate after launching anti-leakage rules [52] Overseas Business Expansion - China's outbound direct investment flow reached USD 1922 billion, increasing by 84%, highlighting the need for overseas insurance services [80] - PICC is establishing an integrated overseas business model led by PICC Reinsurance, deployed by PICC P&C, and coordinated by PICC Hong Kong [86] - PICC has signed agreements with 37 overseas insurance companies to share global service networks [103]