Financial Performance & Forecast - The company reported a net loss of $36 million, but an adjusted net loss of $23 million for Q3 2025[31] - Diluted loss per common share was $(0.11), with an adjusted diluted loss of $(0.07)[31] - The forecast for 2025 includes a net interest income of $1.7 billion to $1.75 billion and an adjusted diluted EPS of ($0.41) to ($0.36)[33] - The company anticipates a return to profitability in the fourth quarter of 2025[30] Commercial Banking & Loan Portfolio - Commercial & Industrial (C&I) loans held for investment totaled $14.874 billion as of September 30, 2025, with a quarterly increase of $448 million, or 3.1%[10] - Specialized Industries & Corporate/Regional Commercial Banking saw a $1.108 billion increase, or 27.5% QoQ, reaching $5.142 billion[10] - Multi-family loans held-for-investment decreased by $1.5 billion, or 4.6% QoQ[9] - CRE (Commercial Real Estate) decreased by $0.5 billion, or 4.4% QoQ[9] Asset Quality & Capital - Net charge-offs decreased by $44 million, reducing the net charge-off ratio by 26 basis points to 0.46%[9] - The Common Equity Tier 1 (CET1) ratio stands at 12.45%[47] - Deposits decreased by $0.6 billion, or 0.9% quarter over quarter, primarily driven by a $2.0 billion decrease in brokered deposits[53]

Market Opportunity & Growth Strategy - The company is targeting a $46 billion initial target market focused on patron screening, security, and improved customer experience[19] - The total addressable market expands to over $135 billion with enhanced product offerings and global expansion[19] - The company is expanding into markets such as Schools, Commercial Property, Distribution, Manufacturing, Retail, and Hotels in North America[19] Technology & Competitive Advantage - The company's AI platform sets the stage for entry into the $135 billion market[14] - The company's technology offers up to 7X increase in patron throughput and up to 80% OPEX efficiencies compared to traditional approaches[31] - The company's SmartGateway was awarded DHS SAFETY Act Designation[69] Financial Performance & Structure - The company achieved 344% growth in revenue for the Platform operating segment in FY2024[74] - The company has a record order backlog at near $50 million[74] - The company's working capital as of July 31, 2025, is $6 million[76]

Financial Performance - NatWest Group's customer loans reached £435 billion, a 4.4% increase compared to December 2024[5] - Customer deposits totaled £56 billion, up 0.8% from December 2024[5] - Assets Under Management (AUMA) grew to £12.1 billion, a 14.5% increase since December 2024[5] - The Group's attributable profit was £4.1 billion, with a Return on Tangible Equity of 19.5%, compared to 17.0% in the first nine months of 2024[5] - Earnings Per Share (EPS) increased by 32.4% compared to the first nine months of 2024, reaching 51 pence[5] Income and Expenses - Net interest income, excluding notable items, for the first nine months of 2025 was £9.388 billion, a 13.0% increase compared to the same period in 2024[8] - Total income, excluding notable items, for the first nine months of 2025 was £12.128 billion, a 12.5% increase compared to the first nine months of 2024[8] - Other operating expenses for the first nine months of 2025 were £5.884 billion, a 2.5% increase compared to the same period in 2024[8] Capital and Ratios - The CET1 ratio stood at 14.2%, reflecting a 202 basis points capital generation in the first nine months of 2025[5] - Tangible Net Asset Value (TNAV) per share increased by 14.6% compared to the first nine months of 2024, reaching 362 pence[5] - The loan impairment rate was 17 basis points for the first nine months of 2025[8] Lending and Deposits - Total lending across three key business areas increased by £16.3 billion, a 4.4% rise[12] - Customer deposits increased by £3.4 billion, representing a 0.8% growth[15]

Financial Performance Highlights - BeFra's net revenue increased by 1.4% in 3Q25[4], and by 1.1% for the first 9 months of 2025[81] - Gross margin improved by 158 bps to 68.5% in 3Q25[4] - EBITDA increased by 22.1% in 3Q25, resulting in an EBITDA margin of 21.4%, a 362 bps increase[4] - Free Cash Flow (FCF) reached $553 million, with a 77% FCF-to-EBITDA conversion rate[4] - Net debt-to-EBITDA ratio decreased from 1.97x to 1.80x quarter-over-quarter[8] - Net income increased by 71.2% year-over-year in 3Q25[88], reaching 314 million Mxn[89] Regional Performance - Mexico's revenue decreased by 5.3% in 3Q25 to 1,388 million Mxn[21], and by 5.5% for the first 9 months of 2025 to 4,249 million Mxn[21], but EBITDA increased by 11.7% to 313 million Mxn[22] - Betterware Mexico's revenue increased by 7.9% in 3Q25 to 1,752 million Mxn[32], and by 6.4% for the first 9 months of 2025 to 5,476 million Mxn[32], with EBITDA increasing by 31.3% to 418 million Mxn[33] - Jafra US experienced a 4.7% decrease in revenue for the first 9 months of 2025, totaling $36.6 million[47], with an EBITDA loss of $1.3 million[48] - Betterware Ecuador is exceeding internal projections, with month-over-month growth of 21%[7, 59] Strategic Initiatives - The company is focused on strengthening its leadership in Mexico and expanding its brands to gain market share[11, 42] - Regional expansion continues in the USA with the Jafra brand and in Latin America with the Betterware brand[11, 44] - The company is exploring new categories in Mexico and beyond, and evolving its business model towards a digital P2P solution[12, 45] - Maintaining financial discipline and control to demonstrate resilience and pursue opportunistic strategies is a key focus[12, 45]

Financial Performance - The company generated a record third-quarter free cash flow of $1.6 billion[13] - Cash from operations reached $2.3 billion[17] - Adjusted EBITDA was $3.3 billion[17] - The company retired $2.0 billion in debt, achieving a near-zero net debt position[13] Production and Costs - Attributable gold production from core managed operations was 1,054Koz, and from core non-managed operations was 367Koz, totaling 1,421Koz for the core portfolio[14] - The company improved 2025 cost and capital guidance due to disciplined cost reduction efforts[13] - The company expects 2025 gold production to be 5.6Moz[19] - The company expects Q4 2025 gold production to be 1.4Moz[19] Capital Allocation and Returns to Shareholders - The company returned $823 million to shareholders through regular dividends and share repurchases[13] - Shareholder returns include $179 million of shares repurchased in October 2025[11, 20, 24] - The company has $5.6 billion in cash and cash equivalents[17, 20] Divestiture Program - The company received net cash proceeds of nearly $640 million from asset and equity sales[13] - The company completed a divestiture program of approximately $2.6 billion[23] - The company streamlined its equity portfolio for approximately $900 million after-tax cash proceeds in 2025[23]

3 rd Quarter 2025 Earnings Presentation 1 Confidential and proprietary information. © 2025 Sallie Mae Bank. All rights reserved. CAUTIONARY NOTE AND DISCLAIMER REGARDING FORWARD-LOOKING STATEMENTS The following information is current as of October 23, 2025 (unless otherwise noted) and should be read in connection with the press release of SLM Corporation announcing its financial results for the quarter ended September 30, 2025, furnished to the Securities and Exchange Commission ("SEC") on October 23, 2025, ...

Financial Performance Highlights - Adjusted revenues for Q3 2025 reached $1,569.0 million, a 7.0% increase compared to $1,466.8 million in Q3 2024[6] - Adjusted organic revenue growth was 5.2% for Q3 2025[5, 13] - Financial Services recurring revenue growth was 6.7% for Q3 2025[5, 16] - Adjusted diluted earnings per share attributable to SS&C was $1.57, up 17.2% from $1.34 in Q3 2024[5, 6] - Adjusted consolidated EBITDA attributable to SS&C reached a quarterly record of $619.0 million for Q3 2025, a 9.3% increase[5, 6] - Adjusted consolidated EBITDA margin for Q3 2025 was 39.5%[5, 6] Cash Flow and Capital Allocation - Net cash generated from operating activities was $1,101.3 million for the nine months ended September 30, 2025, up 22.1% compared to the same period in 2024[5, 6] - The company returned $305.9 million to shareholders in Q3 2025, including $240.1 million for repurchasing 2.8 million shares and $65.8 million in common stock dividends[5, 11] - Paid down $233.1 million of debt in Q3 2025[11] Acquisitions - SS&C completed the acquisition of Calastone on October 14, 2025, for approximately $1.03 billion[11] - SS&C announced the acquisition of Curo Fund Services, expected to close in Q4 2025[11]

Third Quarter 2025 Earnings Call October 23, 2025 © Copyright 2025 World Kinect Corporation. Proprietary & Confidential. All Rights Reserved. 1 Disclaimer and Cautionary Note Regarding Forward-Looking Statements Certain statements, including comments about World Kinect Corporation's expectations regarding future plans, performance and acquisitions are forward-looking statements that are subject to a range of uncertainties and risks that could cause World Kinect's actual results to materially differ from the ...

Q3 2025 Results TABLE OF CONTENTS | l | l | i | 3 | L | D | e | g | a | s | c | o | s | u | r | e | s | | | | | | | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | d | l | l | G | i | i | i | i | & | S | i | P | I | 4 | 5 | t | u | n | g | r | n | c | p | e | s | o | c | a | m | p | a | c ...

Financial Performance - Associated Banc-Corp (ASB) reported net income available to common equity of $122 million, or $0.73 per common share[7] - Net interest income was $305 million[7], with a net interest margin of 3.04%[7], a 16.3% increase compared to 3Q 2024[7] - Noninterest income reached $81 million[7], while noninterest expense amounted to $216 million[7] Balance Sheet Growth - Total loans reached $31.0 billion, a 1.1% increase compared to 2Q 2025 and a 3.2% increase compared to 3Q 2024[7] - Total C&I (Commercial & Industrial) loans amounted to $11.6 billion, a 2.5% increase compared to 2Q 2025 and a 12.8% increase compared to 3Q 2024[7] - Total deposits reached $34.9 billion, a 2.2% increase compared to 2Q 2025 and a 4.0% increase compared to 3Q 2024[7] - Core customer deposits totaled $28.9 billion, a 2.2% increase compared to 2Q 2025 and a 4.2% increase compared to 3Q 2024[7] Asset Quality - The allowance for credit losses on loans (ACLL) was 1.34% of total loans[7], with net charge-offs (NCOs) at 0.17% of average loans (annualized)[7] - Total common equity to total assets was 10.51%[7], with a tangible common equity (TCE) ratio of 8.18%[7] Strategic Outlook - The company maintains its FY 2025 guidance for total loans (up 5% to 6%), total deposits (up 1% to 3%), and core customer deposits (up 4% to 5%)[68] - The effective tax rate guidance for FY 2025 has been updated to 18% to 19%[68] - Noninterest income guidance for FY 2025 is up 5% to 6%, and noninterest expense is projected to increase by 5% to 6%[68]