Financial Performance - Earnings per share (EPS) was reported at $0.44, with operating EPS reaching $0.88[10] - Return on average tangible equity (ROATCE) was 8.01% reported and 15.25% operating[10] - Total revenue reached $171 million[10] - Net interest income increased by 15.9% from the previous quarter, and the net interest margin increased by 15 bps[12] - Stockholders' equity grew by $279 million, or 18.3%, from December 31, 2024[13] Balance Sheet - Period-end loans totaled $11.62 billion[10] - Period-end deposits totaled $13.52 billion, a 203 bps increase compared to Q2 2024[10] - Total loans increased by $1.64 billion from Q1 2025 and $1.77 billion from Q2 2024, representing increases of 16.5% and 18.0% respectively[21] - Total deposits increased by $1.81 billion from Q1 2025 and $2.24 billion from Q2 2024, representing increases of 15.4% and 19.9% respectively[21] Evans Bancorp Merger - The merger with Evans Bancorp, Inc added 18 banking offices, $2.22 billion in assets, $1.67 billion in loans, and $1.86 billion in deposits[6] - 5.1 million shares were issued for the Evans acquisition, valued at $221.8 million as of the closing date[13, 19]

Company Highlights - Asbury's revenue has increased by 138% since 2019, with a Compound Annual Growth Rate (CAGR) of +19%[13] - Adjusted Earnings Per Share (EPS) has increased by 188% since 2019, with a CAGR of +24%[13] - The number of new car dealerships has increased by 73% since 2019[13] - Total revenue reached $173 billion[17], with 320118 new and used vehicles retailed[18] Financial Performance (2Q25) - Total company revenue increased by 3%, with same-store revenue up by 5%[34] - New vehicle revenue increased by 6%, with same-store revenue up by 9%[34] - Used vehicle retail decreased by 3%, with same-store retail down by 1%[34] - Parts & Service revenue increased by 4%, with same-store revenue up by 6%[34] Total Care Auto (TCA) - TCA standalone pre-tax income is estimated to be $75 million in 2025[53] - Consolidated TCA pre-tax income is estimated to be $35 million in 2025[53] Herb Chambers Acquisition - The acquisition is valued at approximately $145 billion[77] - Herb Chambers generated $29 billion in revenue in FY2024[69] - The acquisition is expected to increase Asbury's luxury brand mix from 30% to 35%[81]

Q2 2025 Financial Performance - Sales increased by 92% to $5772 million compared to Q2 2024[8] - Operating profit increased by 152% to $1029 million compared to Q2 2024[8] - Earnings per share from continuing operations increased by 202% to $137[8] - Adjusted EBITDA increased by 164% to $1219 million[8] - Core growth was +65%, acquisitions contributed +18%, and FX translation added +09% to total sales change[9] Aerospace & Electronics Segment - Sales increased by 118% to $2582 million compared to Q2 2024[11] - Operating profit increased by 288% to $679 million compared to Q2 2024[11] - Backlog increased by 292% to $10528 million[11] - Core growth was +116%, and FX translation added +02% to total sales change[12] Process Flow Technologies Segment - Sales increased by 72% to $3190 million compared to Q2 2024[14] - Operating profit increased by 74% to $639 million compared to Q2 2024[14] - Backlog increased by 08% to $4031 million[14] - Core growth was +26%, acquisitions contributed +32%, and FX translation added +14% to total sales change[15] Acquisition of PSI - Agreement to purchase Precision Sensing and Instrumentation (PSI) from Baker Hughes for $1060 million, net of an expected tax benefit with an NPV of $90 million[20] - PSI's forecast 2025 adjusted EBITDA is approximately $60 million[20]

Financial Performance & Targets - Barclays achieved a Statutory RoTE of 12.3% in Q2 2025 and 13.2% in H1 2025 [5], and is aiming for >12% in 2026 [5, 8] - The total payout for H1 2025 was £1.4 billion, a 21% increase compared to H1 2024 [5] - The company targets income of approximately £30 billion for 2026 [6], with Group NII excluding Investment Bank and Head Office exceeding £12.5 billion in 2025 [6] - Barclays UK NII is expected to be greater than £7.6 billion in 2025 [6] - The cost: income ratio was 59% in Q2 2025 and 58% in H1 2025, with a target in the high 50s% for 2026 [6] Capital & Risk Management - The CET1 ratio stood at 14.0% in Q2 2025 [5], within the target range of 13-14% [5] - The Loan Loss Rate (LLR) was 44bps in Q2 2025 and 52bps in H1 2025, maintaining a through-the-cycle guidance of 50-60bps [6, 13] - The company plans approximately £14 billion in MREL issuance for 2025, with approximately £10 billion already issued year-to-date [27, 55] Liquidity & Funding - The average LCR was 178% in Q2 2025 [29] - The average NSFR was 136% in Q2 2025 [29] - The liquidity pool totals £334 billion, with 70% held in cash (£235 billion) [33] - The diverse and stable deposit base amounts to £565 billion, with H1 2025 deposit balances increasing by £4 billion [35] US Consumer Bank (USCB) - USCB average FICO score is 757 in Q2 2025 [72]

July 28, 2025 Forward Looking Statements and Risk Factors This document contains "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. When Welltower uses words such as "may," "will," "intend," "should," "believe," "expect," "anticipate," "project," "pro forma," "estimate" or similar expressions that do not relate solely to historical matters, Welltower is making forward-looking statements. Forward-looking statements are not guarantees of future performance and inv ...

Financial Performance - The company's book value per share was $12.14 [6] - The comprehensive loss per share was $(2.13) [6] - Excluding the loss contingency accrual, the economic return on book value was (1.4)% [6] - Including the loss contingency accrual, the economic return on book value was (14.5)% [6] - The company declared a common stock dividend of $0.39 per share [6, 19] Portfolio Composition - The investment portfolio totaled $14.4 billion [6] - The economic debt-to-equity ratio was 7.0x [6] - The fair value of MSR (Mortgage Servicing Rights) was $3.016 billion [47] - The UPB (Unpaid Principal Balance) of the MSR portfolio was $200.363 billion [47] RoundPoint Operations - RoundPoint serviced UPB (Unpaid Principal Balance) was $204 billion [13] - Direct-to-consumer originations funded first lien loans of $48.6 million UPB [13] - Direct-to-consumer originations brokered second lien loans of $44.0 million UPB [13]

Financial Performance - LATAM group recorded a net income of US$242 million in 2Q25, a 66.0% increase compared to 2Q24[6, 20] - Adjusted EBITDAR reached US$850 million in 2Q25, up 37.4% year-over-year, with a margin of 25.9%[6, 20] - The adjusted operating margin was a record 12.9% for the second quarter, a 3.9 percentage point increase compared to 2Q24[6, 20] - Revenues increased by 8.2% year-over-year, reaching US$3.279 billion in 2Q25[6, 20] - The company returned US$445 million to shareholders through dividends and share repurchases, representing 1.6% of outstanding shares[6, 40] Operational Highlights - LATAM transported over 20.5 million passengers in 2Q25[6] - Capacity grew by 8.3% year-over-year (ASK)[6] - Consolidated load factor reached 83.5%, a 1.2 percentage point increase compared to 2Q24[6, 8] Refinancing and Debt Management - LATAM successfully refinanced US$800 million of high-interest rate debt, reducing interest costs by over 570 basis points and unlocking annual savings of US$33 million[6, 32, 42] Customer Experience - Customer satisfaction (NPS) remained at a high of 56 points in 2Q25[6, 41] Fleet and Guidance - The company received 12 aircraft in 2Q25 (11 narrow-body + 1 wide-body)[6] - Updated 2025 full-year guidance reflects an improved outlook, with adjusted EBITDAR expected to be between US$3.65 billion and US$3.85 billion[6, 37]

Financial Performance - The company's net income for 2Q25 was $109834 thousand, a 25% increase compared to $87935 thousand in 1Q25 and a 21% increase compared to $90785 thousand in 2Q24[19] - Return on average assets (ROA) was 165% in 2Q25, up from 136% in 1Q25 and 141% in 2Q24[19] - Return on average tangible common equity (ROTCE) reached 1582% in 2Q25[18] - Tangible book value per share grew by $154 to $4132 at the end of June 2025, representing a 155% annualized growth[18] Balance Sheet and Capital - The CET1 ratio was 130%[9] - The TCE ratio stood at 1109%, compared to 972% a year prior[18] - Noninterest-bearing deposits remained strong, accounting for 310% of total deposits as of June 30, 2025[18] Revenue and Expenses - Net interest margin (TE) expanded by 4 bps to 377%[18] - Total revenue increased by $149 million, or 209% annualized, from 1Q25[18] - The efficiency ratio improved to 5163%[18] - Mortgage banking activity contributed 13% of total revenue in 2Q25[34] Loan Portfolio and Credit Quality - Loan balances increased by $335 million, or 65% annualized, during 2Q25[57] - The allowance for credit losses (ACL) on loans was 162% of total loans[53] - Net charge-offs totaled $71 million, or 014% annualized, in 2Q25[68]

Financial Performance - Olin's Q2 2025 sales were $980 million[10], compared to $920 million in Q2 2024[10] and $925 million in Q1 2025[10] - Adjusted EBITDA for Q2 2025 was $171 million[10], down from $205 million in Q2 2024[10] and $186 million in Q1 2025[10] - Olin generated $212 million in operating cash flow[9] Segment Performance - Chlor Alkali Products & Vinyls (CAPV) sales were $331 million in Q2 2025[17], slightly down from $332 million in Q1 2025[17], and up from $318 million in Q2 2024[17] Adjusted EBITDA was negative $11 million[17] - Epoxy sales were $448 million in Q2 2025[23], up from $388 million in Q1 2025[23] and $406 million in Q2 2024[23] Adjusted EBITDA was $33 million[23] - Winchester sales were $176 million in Q2 2025[36] Outlook and Initiatives - Olin expects Q3 2025 Adjusted EBITDA to be between $170 million and $210 million[45] - The company is targeting $70-$90 million in annualized run rate savings by year-end 2025 through the Beyond250 initiative[30] - Olin expects working capital, excluding tax payment timing, to be greater than $100 million source of cash in 2025[43]

RESULTS 2Q25 Telefônica Brasil S.A. Investor Relations July 28th, 2025 | VIVT | V | | --- | --- | | | 115 | | B3 LISTED | N | ***Este documento está clasificado como USO INTERNO por TELEFÓNICA. ***This document is classified as INTERNAL USE by TELEFÓNICA. This presentation may contain forward -looking statements concerning prospects and objectives regarding the capture of synergies, growth of the subscriber base, a breakdown of the various services to be offered and their respective results Our actual resul ...