Silicon Motion 3Q25 Earnings Highlights NASDAQ: SIMO October 31, 2025 Safe Harbor Statement This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Such forward-looking statements include, without limitation, statements regarding trends in the consumer electronics and semiconductor industries, any future growth projections or expectations in such markets and our fu ...

Forward-Looking Statement This presentation, and other statements that T. Rowe Price may make, may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act, with respect to T. Rowe Price's future financial or business performance, strategies, or expectations. Forward-looking statements are typically identified by words or phrases such as "trend," "potential," "opportunity," "pipeline," "believe," "comfortable," "expect," "anticipate," "current," "intention," "est ...

INVESTOR PRESENTATION CREATING ENERGY | CREATING VALUE NOVEMBER 2025 ADVISORY In this presentation, we refer to certain specified financial measures which do not have any standardized meaning prescribed by International Financial Reporting Standards ("IFRS"). While these measures are commonly used in the oil and natural gas industry, our determination of these measures may not be comparable with calculations of similar measures presented by other reporting issuers. This presentation also contains oil and ga ...

Investor Presentation | October 2025 Forward Looking Statements and Non-GAAP Measures This presentation contains forward-looking statements, including, in particular, statements about Interface's plans, strategies and prospects. These are based on the Company's current assumptions, expectations and projections about future events. Forward-looking statements in this presentation include, without limitation, the information set forth on the slides titled "Interface: a compelling investment", "'One Interface' ...

October 31, 2025 Third Quarter 2025 Results Webcast 1 THIRD QUARTER 2025 RESULTS WEBCAST Vice President, Investor Relations Louis Tonelli 2 THIRD QUARTER 2025 RESULTS WEBCAST Forward-Looking Statements Certain statements in this document constitute "forward-looking information" or "forward-looking statements" (collectively, "forward-looking statements"). Any such forward-looking statements are intended to provide information about management's current expectations and plans and may not be appropriate for ot ...

Fresnillo (OTCPK:FNLP.F) M&A Announcement October 31, 2025 05:00 AM ET Speaker3Hello and welcome everyone to today's call. My name is Becky and I'll be your operator today. During the presentation, you can register a question by pressing Star followed by 1 on your keypad. If you change your mind, please press Star followed by 2. I will now hand over to your host, Octavio Alvídrez, CEO, to begin. Please go ahead.Speaker5Thank you, Becky. Good morning everyone, and thank you for joining us today. I'm very exc ...

Acquisition Overview - Fresnillo plc will acquire all outstanding common shares of Probe Gold Inc via a Plan of Arrangement[11] - The consideration is C$3.65 per share of Probe, payable in cash, totaling an equity value of approximately C$780 million (US$560 million)[11] - This represents a 24% premium based on Probe's 30-day VWAP[11] - The transaction is funded with Fresnillo's cash on hand, which was US$1.8 billion as of June 30, 2025[11] Probe Gold Inc Assets - Probe Gold Inc has a large resource base of 10 million ounces of gold, including 8 million ounces at its flagship asset Novador[10] - Novador has the potential to produce over 200,000 ounces of gold per annum over 10+ years[10] - Novador's total resources are 7,955 Koz Au (kilounces of gold) with a tonnage of 208 Mt (million tonnes) at 1.19 g/t (grams per tonne)[26] - Other Deposits total resources are 2,050 Koz Au with a tonnage of 31 Mt at 2.10 g/t[26] Strategic Rationale - The acquisition provides Fresnillo with a strategic entry into Canada, specifically the Val d'Or mining camp in Quebec[10] - Probe Gold Inc has a large, underexplored land package of approximately 1,798 km2[10] - The acquisition is expected to generate strong returns for Fresnillo and adds a high-quality development project to its pipeline[10]

IR Day 2025 Autumn Opening Remarks October 31, 2025 Market Landscape and Our Business Rising expectations for great-tasting, high-quality food The distinction between QSR and convenience is blurring Consumers are seeking more convenient, better quality food Demand for more convenient shopping Global shifts in consumer behavior A clear shift toward value Consumers' demand for better quality at lower price continues Value-conscious shopping is reshaping the retail sector globally Consumers expect to be able t ...

Financial Data and Key Indicators Changes - The group's net operating income was ¥251.28 billion, a year-on-year decrease of 0.52%, with the decrease narrowed by 1.21 percentage points compared with the first half [3] - Net profit attributable to the bank's shareholders was ¥113.7 billion, a year-on-year increase of 0.52%, up by 0.27 percentage points compared with the first half [3] - ROAA and ROAE were 1.22% and 13.96%, up by 0.01 and 0.11 percentage points compared with the first half [3] - The cost-to-income ratio was 29.86%, maintained at an appropriate level [4] - CET1 ratio was 13.93%, Tier 1 ratio 16.25%, total capital ratio 17.59%, down by 0.93, 1.23, and 1.46 percentage points compared with last year [4] Business Line Data and Key Indicators Changes - Total assets were ¥12.64 trillion, up by 4.05% compared with last year's end [4] - Total loans were ¥7.14 trillion, up by 3.6% compared with last year's end [4] - Retail loans were ¥3.7 trillion, up by 1.43%, accounting for 51.8% of the total [4] - Corporate loans were ¥3.15 trillion, up by 10.01% compared with last year's end [4] - Financial investment balance totaled ¥4.03 trillion, up by 10.52% [5] Market Data and Key Indicators Changes - Total customer deposits were ¥9.52 trillion, up by 4.64%, accounting for 83.73% of total liabilities [5] - The average daily balance of demand deposits accounted for 49.45%, maintained at a high level [5] - NII was ¥160.4 billion, up by 1.74% [6] - NIM was 1.87%, down by 12 bps year-on-year, but the decrease was narrowed [6] Company Strategy and Development Direction - The company aims to build a value creation bank and focuses on quality, profitability, and scale [3] - The wealth management business has shown good growth momentum, with net fee and commission income recording positive year-on-year growth for the first time in three years [6][7] - The company plans to continue promoting transformation into international, comprehensive, differentiated, and intelligent development [10] - The retail loan business remains a cornerstone, with efforts to maintain market share despite challenges [17][27] Management's Comments on Operating Environment and Future Outlook - The macroeconomic environment is stable, but challenges remain, particularly in retail loan demand [12][13] - The company has maintained good momentum in performance despite external pressures [13] - Management emphasizes the importance of customer growth and maintaining a balanced approach to risk and pricing [14][45] - The company is optimistic about future growth opportunities arising from the 15th Five-Year Plan [19] Other Important Information - The NPL balance was ¥67.4 billion, with an NPL ratio of 0.94%, down by 0.01 percentage points [9] - The company maintains a prudent provision policy, with an allowance coverage ratio of 405.93%, down by 6.05 percentage points [9] - The total assets of subsidiary companies surpassed ¥900 billion, with a growth rate of 8% compared to the end of last year [16] Q&A Session Summary Question: Short-term demand and long-term development strategy - Management acknowledged the challenges in retail loan demand but emphasized the importance of maintaining a balanced approach without compromising risk [12][13] Question: Impact of weak demand on asset structure and NIM - Management indicated that while NIM is under pressure, they expect to maintain a leading level and are focused on optimizing asset and liability management [22][23][24] Question: Sustainability of fee income growth - Management expressed confidence in the sustainability of fee income growth, particularly from wealth management, despite potential pressures from fee cuts in the mutual fund industry [40][41][58] Question: Small and microfinance segment challenges - Management highlighted the importance of risk management and maintaining reasonable pricing in the small and microfinance segment, despite competitive pressures [44][45][48]

Financial Data and Key Metrics Changes - The company reported a net present value (NPV) of $2.3 billion and an internal rate of return (IRR) of 23.2% [13] - The all-in sustaining cash cost for lithium carbonate production is $4,628 per tonne, placing it in the bottom quartile globally [15][20] - Annual revenue is projected to be $790 million with an annual EBITDA of $563 million over the first 25 years [16] Business Line Data and Key Metrics Changes - The ore reserve is now 265 million tonnes, sufficient for 77 years of mining at the current rate of 3.4 million tonnes per annum [14] - The total mineral resource is 549 million tonnes, indicating significant expansion potential [15] Market Data and Key Metrics Changes - The project is positioned within the lowest cost quartile globally for lithium carbonate equivalent production, benefiting from the co-production of boric acid [9][20] - Approximately 50% of the world's lithium production costs exceed $10,000 per tonne, while Rhyolite Ridge operates at a significantly lower cost [20] Company Strategy and Development Direction - The company aims to finalize a global strategic partnering process to secure capable equity partners for the Rhyolite Ridge project [4][9] - The project is designed to be a vertically integrated lithium-boron operation, enhancing the U.S. position as a significant producer of critical minerals [5][10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence that the coming year will be transformational, translating years of effort into long-term value [10] - The company acknowledges the volatile geopolitical environment affecting the lithium sector, which has led to an extension of the partnering process into 2026 [26][41] Other Important Information - The project has received a favorable record of decision from the Bureau of Land Management, completing the NEPA permitting process [5][6] - A $986 million loan from the U.S. Department of Energy has been secured, strengthening the project's financial foundation [6][22] Q&A Session Summary Question: Why does the U.S. government prioritize overseas supply deals despite domestic projects? - Management clarified that very few projects are shovel-ready for lithium production, with Ioneer being one of the few fully permitted projects [37][40] Question: What is the plan for completing the remaining 30% of design engineering? - The remaining design will be completed post-FID with the assistance of an EPC contractor, Fluor [42] Question: What reasons did Sibanye give for not proceeding with the project? - Sibanye cited a lack of capacity to fund their share and stated that the project did not meet their investment criteria [44]