Financial Data and Key Metrics Changes - Dingdong reported a revenue of RMB 6.66 billion in Q3 2025, marking a 1.9% year-over-year growth, maintaining positive growth for seven consecutive quarters [20][22] - The Gross Merchandise Value (GMV) reached RMB 7.27 billion, up 0.1% compared to the previous year, indicating sustained growth momentum [20][22] - Non-GAAP net profit was RMB 0.1 billion with a profit margin of 1.5%, while GAAP net profit was RMB 0.08 billion with a margin of 1.2% [6][20] Business Line Data and Key Metrics Changes - The B2B business continued to grow steadily, with revenue expanding by 67.4% year-over-year, and its revenue share rose by 1.9 percentage points year-over-year [22][21] - The monthly order conversion rate increased by 1.6 percentage points year-over-year, and the number of monthly ordering users grew by 4.1% [8] Market Data and Key Metrics Changes - GMV in Jiangsu, Zhejiang, and Shanghai increased by 1.4% year-over-year, with Jiangsu and Zhejiang showing strong growth at 3.6% [9] - In the region, nine cities delivered growth of over 10%, with Wenzhou performing exceptionally well, exceeding 60% growth [9] Company Strategy and Development Direction - The company is implementing a "One Big One Small One World" strategy focusing on high-volume top-selling products and expanding into smaller cities [10][13] - The strategy emphasizes building a high-quality user base through differentiated products and experiences, rather than competing solely on price [36][37] - The company aims to enhance its supply chain capabilities by focusing on direct sourcing and in-house production, which is expected to create a sustainable competitive advantage [38][39] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the intensifying competition in the instant retail sector but expressed confidence in maintaining profitability and growth through their strategic framework [18] - The company believes that long-term investments in supply chain and product development will yield competitive advantages as the market stabilizes [39] Other Important Information - The fulfillment cost ratio was 21.5%, stable year-over-year, with a focus on service improvement leading to a 97% on-time delivery rate [26] - The company opened 40 new frontline fulfillment stations this year, including 17 in Q3, expanding into small city markets [15] Q&A Session Summary Question: How does Dingdong build a competitive landscape in the instant retail market? - Management highlighted the importance of differentiation through quality products and a focus on building a high-quality user base rather than competing on price [36][37] Question: Can you elaborate on the top-selling product strategy? - The CEO explained that the strategy focuses on creating products that resonate with users, leveraging digital technologies to enhance supply chain efficiency and reduce costs [43][44]

DISCOVERY DRIVEN AUSTRALIAN EXPLORER Focused on discovery of standalone gold and copper projects November 2025 ASX: NVO TSX: NVO OTCQB: NSRPF www.novoresources.com Cautionary Statement Nature of this document: This presentation is of a summary form only and therefore contains general background information about Novo Resources Corp (Novo or the Company) which may not be complete. It should be read in conjunction with, and full review made of, the Company's continuous disclosure documents lodged under the Co ...

Financial Performance - Gross originations grew by 25.3% year-over-year in Q3 2025[128] - Revenue increased by 22.8% year-over-year in Q3 2025[128] - Adjusted EBITDA increased to $4.4 million in Q3 2025[23] - Fixed cash operating expenses decreased by 21.4% year-over-year in Q3 2025[128] Marketplace Activity - 61% of Q3 2025 gross originations started in the app marketplace[23] - KPay gross originations grew 66% year-over-year in Q3 2025, representing approximately $26 million and 41% of total gross originations[23] - Total app originations since launch in Q1 2023 reached $339.7 million[37] - Total KPay originations since launch in Q1 2023 reached $196.1 million[38] Customer Base - Repeat customers accounted for 55.3% of Q3 2025 gross originations[16] - Total application volume grew by over 80% year-over-year in Q3 2025[19] Market Opportunity - The company estimates a total US addressable market of $50-60 billion[15]

Financial Highlights - Total revenue & reserve income reached $740 million, a 66% year-over-year increase[11] - Adjusted EBITDA was $166 million, up 78% year-over-year[11] - Adjusted EBITDA margin was 57%, a 737 bps increase year-over-year[11] Stablecoin Network Growth - USDC onchain volume reached $96 trillion, a 68x year-over-year increase[11] - Stablecoins in circulation grew 59% year-over-year[16] - USDC onchain transaction volume increased 74x year-over-year[22] - CCTP volume increased 74x year-over-year[22] - Meaningful wallets increased 77% year-over-year[22] Guidance Update for FY 2025 - Other revenue is expected to be between $90 million and $100 million[52] - Revenue less Distribution Costs (RLDC) Margin is expected to be approximately 38%[52] - Adjusted operating expenses are projected to be between $495 million and $510 million[52]

Financial Performance (Q2 FY26) - Revenue from Operations increased by 48% year-over-year to INR 3,509 million[35] - Gross Margins (Revenue less Service Cost) grew by 34% year-over-year to INR 1,257 million[35] - Adjusted EBITDA surged 216% year-over-year to INR 212 million[35] Financial Performance (H1 FY26) - Revenue from Operations increased by 64% year-over-year to INR 5,607 million[21] - Gross Margins (Revenue less Service Cost) grew by 37% year-over-year to INR 2,413 million[21] - Adjusted EBITDA surged 214% year-over-year to INR 418 million[21] Corporate Client Acquisition - Yatra closed 34 new corporate accounts during the quarter with potential annual billing of INR 2,615 million[35] Corporate Business - Yatra caters to over 1,300 large & medium corporates and approximately 58,000 SME clients, with an addressable employee base of more than 9 Million[12] Consumer Business - Yatra has approximately 156 million registered customers[14] - Total consumer visits are approximately 106 million, a 24% year-over-year increase[14] Scheme of Amalgamation - The Mumbai Bench of the Hon'ble National Company Law Tribunal ('NCLT"), through its final order dated October 14, 2025 has approved and sanctioned the Scheme with the appointed date of the amalgamation being April 01, 2024[52]

Production and Growth - Gold Fields aims to increase production to a sustainable level of 25 Moz to 30 Moz [15] - The company anticipates sector-leading production growth, with an 8% Compound Annual Growth Rate (CAGR) over the next five years [15] - A 6% production CAGR is expected from 2024 to 2030, accompanied by margin expansion [15] - 2025 production guidance is set at 225 Moz to 245 Moz [39] Costs and Investments - All-in Sustaining Cost (AISC) for 2025 is projected to be between US$1,500/oz and US$1,650/oz [39] - All-in Cost (AIC) for 2025 is expected to range from US$1,780/oz to US$1,930/oz [39] - Discretionary capital investment of approximately US$2 billion is planned over five years (2026-2030) [56, 58] - Windfall project is estimated to require US$17 billion to US$19 billion in growth capital [53] Assets and Reserves - Tarkwa's Mineral Reserve estimate as of December 31, 2025, is 74 Moz [8, 188] - St Ives aims to reduce AISC to US$1,500/oz by 2030 and maintain approximately 35 Moz Reserve to sustain production into the 2040s [111] - South Deep's 2024 Mineral Reserves are 31 Moz [175]

Financial Performance Highlights - Third-quarter net sales reached $2.6 billion, a 6% increase year-over-year on a reported basis and a 5% increase in constant currency[16] - Third-quarter core diluted EPS was $0.79[12] - The company's free cash flow for the first nine months of the year was $1.2 billion[15] Segment Performance - Surgical net sales in the third quarter were $1.42 billion, up 6% on a reported basis and 5% in constant currency[23] - Vision Care net sales in the third quarter were $1.169 billion, up 6% on a reported basis and 5% in constant currency[24] - For the first nine months of 2025, Vision Care accounted for 45% ($3.4 billion) and Surgical accounted for 55% ($4.2 billion) of the company's $7.6 billion in sales[22] Profitability Metrics - Third-quarter IFRS operating margin was 12.8%, a decrease of 80 basis points year-over-year[16] - Third-quarter core operating margin was 20.2%, a decrease of 40 basis points year-over-year[14] - For the first nine months of 2025, the IFRS operating margin was 13.7%[32] - For the first nine months of 2025, the core operating margin was 20.0%[45] Outlook - The company maintained its full-year 2025 net sales outlook of $10.3 to $10.4 billion, representing a 4% to 5% increase in constant currency[57] - The company maintained its full-year 2025 core diluted EPS outlook of $3.05 to $3.15, representing a 0% to +2% increase in constant currency[57]

November 12, 2025 Third Quarter 2025 Financial Results & Corporate Update This presentation is for investor relations purposes only - Not for product promotional purposes 1 Agenda | 1 | Opening Remarks | | --- | --- | | 2 | Q3 2025 Highlights & Recent Accomplishments | | 3 | Our Pipeline | | 4 | Capitalizing on Market Leadership | | 5 | CARVYKTI® Performance Overview | | 6 | Financial Performance | | 7 | Q&A | Ying Huang, PhD Chief Executive Officer Alan Bash President of CARVYKTI® Carlos Santos Chief Finan ...

Q3 - 2 5 Earning s N o vem ber 1 2 , 2 0 2 5 B e n n y E p p s t e i n CEO Had a r R a h a v CFO 1 SAFE HARBOR PROVISION This conference call will contain forward-looking statements. Forward-looking statements in the conference call involve several risks and uncertainties, including, but not limited, to the Company's statements about its commitment to delivering solutions that are transforming the assurance landscape, continued adoption and investment in AI and 5G as well as other favorable market trends, t ...

Financial Data and Key Metrics Changes - Dingdong reported a GMV of RMB 7.27 billion and revenue of RMB 6.66 billion in Q3 2025, both showing slight year-over-year increases, marking the highest quarterly GMV and revenue in the company's history [6][20] - Non-GAAP net profit was RMB 0.1 billion with a profit margin of 1.5%, while GAAP net profit was RMB 0.08 billion with a margin of 1.2% [6][20] - The gross profit margin was 28.9%, down 0.9 percentage points year-over-year, but the decline narrowed on a quarter-over-quarter basis [24] - The fulfillment cost ratio was 21.5%, up by 0.1 percentage points compared to last year, while the sales and marketing expense ratio decreased by 0.3 percentage points to 1.9% [26][27] Business Line Data and Key Metrics Changes - The B2B business continued to grow steadily, with revenue expanding by 67.4% year-over-year, and its revenue share rose by 1.9 percentage points year-over-year [22][21] - The monthly order conversion rate increased by 1.6 percentage points year-over-year, and the number of monthly ordering users grew by 4.1% [7] Market Data and Key Metrics Changes - GMV in Jiangsu, Zhejiang, and Shanghai increased by 1.4% year-over-year, with Jiangsu and Zhejiang showing strong growth of 3.6% year-over-year [9] - In the region, nine cities delivered growth of over 10%, with Wenzhou performing exceptionally well, exceeding 60% growth [9] Company Strategy and Development Direction - The company is implementing a 4G strategy focusing on good users, good products, good services, and good mindset, alongside a new development framework called One Big One Small One World [10][13] - The strategy emphasizes high-volume, top-selling products while also exploring smaller cities for market expansion, aiming to offer high-quality, reliable, and affordable products [13][15] - The company is also expanding into international markets, leveraging its domestic supply chain to grow overseas [16][17] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the intensifying competition in the instant retail sector but expressed confidence in maintaining last year's scale and non-GAAP profitability in Q4 2025 [18] - The focus is on long-term efficiency and capability rather than short-term price competition, with a commitment to building a high-quality user base through differentiated products [36][38] Other Important Information - The company maintained a cash balance of RMB 3.03 billion at the end of Q3, marking the ninth consecutive quarter of positive cash flow [19][20] - The average fulfillment time for instant orders was 36.3 minutes, down by 1.4 minutes year-over-year, indicating improved operational efficiency [26] Q&A Session Summary Question: How does Dingdong build a competitive landscape in the instant retail market? - Management highlighted that competition is fierce, particularly in fresh groceries, and emphasized the importance of building differentiation through a focus on quality products and user experience [33][34][36] Question: Can you elaborate on the top-selling product strategy? - The company explained that the strategy involves a shift from a channel distributor mindset to a product manager mindset, focusing on the full lifecycle of products and leveraging digital technologies to enhance supply chain efficiency [39][40][42]