Q2 2025 Performance Strong revenue growth from acquisitions, enterprise accounts, and innovative clinical solutions Q2 2025 15.2% Total revenue $2.76 billion 16.9% Adjusted operating income %2 11.5% Adjusted diluted EPS2 $2.62 per share 1 1,3 Company overview Quest is a leader in diagnostic testing insights and information services. Read our Q2 earnings press release on our Investor Relations site. " Through continued execution of our strategy, we delivered a strong second quarter, with revenues growing 15. ...

Financial Performance & Growth - NXP targets high single-digit organic revenue growth and gross margin expansion above 60%[10, 123] - NXP aims to double non-GAAP EPS by 2030+[11, 124] - NXP's revenue grew at a 7% compound annual growth rate (CAGR) over the past five years, reaching $12.6 billion in 2024[60] - Non-GAAP operating profit increased at an 11% CAGR over five years, reaching $4.4 billion in 2024[61] - NXP's non-GAAP free cash flow was $2.1 billion in 2024[66] Market & Strategy - NXP is focused on RMS (Relative Market Share) leadership and system leadership to drive profitable growth[24, 25] - Automotive and Industrial & IoT are key growth drivers at the intelligent edge, within a $1.3 trillion semiconductor market opportunity[16, 17] - NXP projects revenue in Automotive to grow from $7.2 billion in 2024 to approximately $9.5 billion by 2027[42] - NXP anticipates revenue in Industrial & IoT to increase from $2.3 billion in 2024 to around $3.1 billion by 2027[49] Capital Allocation & Debt - NXP is committed to returning 100% of excess free cash flow to owners[10, 123] - NXP's cumulative capital return from 2018 to 2024 was $19.2 billion, representing 109% of non-GAAP free cash flow[90] - NXP's net debt stood at $8.308 billion with a net leverage of 1.8x as of Q2 2025[93]

Second Quarter 2025 Performance - Revenue increased to $5,936 million in Q2 2025, a 3.5% increase compared to $5,743 million in Q2 2024[5] - Core revenue growth was 1.5% and FX contributed 2.0% to revenue growth[5] - Adjusted diluted net earnings per common share increased by 4.7% to $1.80 in Q2 2025, compared to $1.72 in Q2 2024[5] - Adjusted operating profit margin remained flat at 27.3% in both Q2 2024 and Q2 2025[5] Segment Performance (Q2 2025) - Biotechnology revenue increased by 8.0% to $1,850 million, with core growth of 6.0% and FX contributing 2.0%[8] Adjusted operating profit margin increased by 150 BPS to 41.0%[8] - Life Sciences revenue increased slightly by 0.5% to $1,777 million, with core revenue declining by 2.5%, acquisitions contributing 1.5%, and FX contributing 1.5%[10] Adjusted operating profit margin decreased by 180 BPS to 19.3%[10] - Diagnostics revenue increased by 2.0% to $2,309 million, with core growth of 2.0%, divestitures reducing revenue by 0.5%, and FX contributing 0.5%[12] Adjusted operating profit margin decreased by 60 BPS to 26.1%[12] Guidance - The company forecasts low-single digit core sales growth for the three-month period ending September 26, 2025, compared to the same period in 2024[26] - The company forecasts 3.0% core sales growth for the year ending December 31, 2025, compared to 2024[26] - Adjusted operating profit margin is expected to be approximately 25.5% for the three-month period ending September 26, 2025[26] - Adjusted diluted net earnings per common share are projected to be between $7.70 and $7.80 for the year ending December 31, 2025[26] Cash Flow - Net cash provided by operating activities decreased by approximately 5.5% to $1,338 million for the three-month period ended June 27, 2025, compared to $1,417 million for the same period in 2024[52] - Free cash flow decreased by approximately 3.5% to $1,094 million for the three-month period ended June 27, 2025, compared to $1,131 million for the same period in 2024[52]

Disclaimers July 22, 2025 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.investors.synchrony.com) and the SEC's website (www.sec.gov). All references to net earnings and net income are in ...

Q2 2025 Operating & Financial Results July 22, 2025 Forward-looking statements This presentation includes "forward-looking statements." These statements are subject to a number of risks, uncertainties and other factors that could cause our actual results, performance, prospects or opportunities, as well as those of the markets we serve or intend to serve, to differ materially from those expressed in, or implied by, these statements. You can identify these statements by the fact that they do not relate to ma ...

Transaction Overview - The acquisition of Eastern Michigan Financial Corporation (EFIN) by Mercantile Bank Corporation (MBWM) is valued at approximately $95.8 million[22] - The consideration mix is approximately 52% stock and 48% cash[22] - Cost savings are expected to be approximately $5.4 million pre-tax, representing ~40% of EFIN's noninterest expense[22] Financial Highlights of EFIN - EFIN has total assets of $505 million[12] - Gross loans amount to $208 million[12] - Total deposits are $449 million[12] - EFIN's loans-to-deposits ratio is 46%[12] - The cost of deposits is 0.42%[12] - Core deposits represent 99% of total deposits[12] Strategic Rationale - Eastern's superior deposit franchise, ranked 1 in Michigan, addresses Mercantile's key strategic priorities[9, 10] - The acquisition provides market expansion into Eastern Michigan[9] - The transaction is expected to result in strong double-digit earnings accretion[9]

Financial Performance - Earnings per share increased to $0.81, a 25% increase QoQ and a 119% increase YoY[11] - Net interest margin increased to 2.50%, up from 2.41% in Q1 2025 and 1.98% in Q2 2024[11] - Book value per share increased to $42.23, a 9% annualized increase QoQ and an 8% increase YoY[11] - Total revenue reached a historically high level, driven by solid growth and pricing discipline[13, 14] Balance Sheet & Asset Quality - Total assets reached $4.3 billion[4] - Total loans amounted to $3.7 billion, with 7% annualized growth from Q1 2025[4, 22] - Total deposits reached $3.6 billion, including core deposits of $2.9 billion with 7% annualized growth from Q1 2025[4, 22] - Nonperforming assets (NPAs) stood at 0.27% of total assets[4, 27] Strategic Focus - The company operates 12 banking offices in 8 high-growth Southeast metro markets[9] - The company's Tier 1 RBC is 11.11%[9] - The company's office portfolio has a total credit exposure of $237 million, representing 5.4% of total loans[33]

The information contained in these slides and any accompanying verbal presentation, any question and answer session and any document or material distributed at or in connection with the verbal presentation (together, the "Presentation") have not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000 ("FSMA"). Reliance upon this Presentation for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all of t ...

Sizewell C项目投资亮点 - Centrica对Sizewell C核电站项目的股权投资，上限为13亿英镑，占15%的股份[20, 23] - 该项目预计为约600万户家庭供电，约占英国需求的7%[18] - 建设高峰期将创造10,000个就业岗位，并提供1,500个学徒机会[18] - 预计在建设期间产生8亿英镑的现金回报[24] - 商业运营开始后，Centrica的股权RAB预计增长至约30亿英镑[21] 财务回报与风险管理 - 建设和初始运营期间，股权的允许回报率为10.8%（实际CPIH），内部收益率（IRR）大于12%[20, 21, 28] - 投资分阶段进行，并有上限，通过成本阈值机制进行控制[21, 28] - 该项目采用受监管的资产基础（RAB）模式，没有预生产资本，并提供针对延误和成本超支的保护[21, 57] - 英国政府提供全面的支持计划，以减轻低概率、高影响的风险[28, 46] 盈利与现金流 - 从2026年开始，该项目将增加盈利[21] - 到2028年底，EBITDA贡献约为5000万英镑，商业运营后增长至约1.5亿英镑[52, 53] - 股东贷款利息为9%，在集团EBITDA和集团AOP中确认[53, 71]

Here's a summary of the key points from the provided report, formatted as requested: Retail & Digital Business Group (R&D) - The Retail & Digital Business Group aims for double-digit ROE in the mid- to long-term by improving customer base and LTV (Life Time Value)[9] - The group aims to increase its customer share from 27% by expanding the Group customer base and improving multiple transaction usage rate[12] - MUFG launched a service brand "M-tto" to provide greater convenience and value to customers across different life stages[14] - The number of annual card issuance is expected to increase from 540,000 in FY24 to 1,000,000 in FY26[25] Commercial Banking & Wealth Management Business Group (CWM) - The Commercial Banking & Wealth Management Business Group targets approximately 15.5% ROE in FY26[50] - JPY deposit income increased from ¥30 billion in FY23 to ¥110 billion in FY24[52] - The group aims to increase the number of owner approach visits to 40,000 companies[52] - The group expects an increase of ¥7 billion in fee income from business strategy proposals[59] Japanese Corporate & Investment Banking Business Group (JCIB) - The Japanese Corporate & Investment Banking Business Group achieved the highest ROE of 14.5% and net operating profits of ¥559.7 billion in FY24 among all business groups[77] - The group aims to reduce equity holdings to ¥700 billion and less than 20% of total assets by the end of March 2027[86] - The group aims to increase non-recourse loan balance in the real estate field to 100 (FY24＝100) in FY26[89] Global Commercial Banking Business Group (GCB) - The Global Commercial Banking Business Group recorded an all-time high NOP in FY24[100] - Krungsri's domestic corporate loan increased by 5%[102, 105] - Bank Danamon's loan balance increased by ¥0.1 trillion[108] - The group aims to cover 1 in 4 of the ASEAN adult population with digital finance users in 10 years[131] Asset Management & Investor Services Business Group (AM/IS) - The Asset Management & Investor Services Business Group targets approximately 19% ROE in FY26[137] - The group aims to increase AuM to ¥200 trillion and AuA to ¥100 trillion by FY29[142]