Financial Performance - Net earnings available to common stockholders decreased by 3% to $730 million in 4Q'25 compared to $753 million in 4Q'24[15] - Diluted earnings per share increased by 7% to $2.04 in 4Q'25 from $1.91 in 4Q'24, which includes ~$0.14 restructuring charge[13, 15] - Net revenue remained flat year-over-year at $3.793 billion in 4Q'25[15, 16] - Net interest margin increased by 82 bps to 15.83% in 4Q'25 compared to 15.01% in 4Q'24[13, 16] Portfolio and Credit Trends - Loan receivables decreased by 1% year-over-year[13] - Purchase volume increased by 3% year-over-year[13] - Net charge-offs decreased to 5.37% in 4Q'25 from 6.45% in 4Q'24[13] Expenses - Other expense increased by 10% to $1.399 billion in 4Q'25 from $1.267 billion in 4Q'24, driven by employee costs and technology investments[15, 21] - Efficiency ratio increased to 36.9% in 4Q'25 from 33.3% in 4Q'24, including an approximate 180bps impact related to restructuring costs[13, 21] Capital and Funding - Common Equity Tier 1 (CET1) capital ratio was 12.6% in 4Q'25[13, 27] - Liquid assets totaled $16.6 billion, representing 13.9% of total assets[26] 2026 Outlook - The company projects mid-single digit ending loan receivables growth[29] - The company anticipates a net charge-off rate of approximately 5.5% to 6.0%[29] - The company forecasts earnings per diluted share to be in the range of $9.10 to $9.50[29]

Q4 2025 Financial results January 27, 2026 Safe harbor statement The information provided in this presentation contains forward-looking statements within the meaning of the federal securities laws. These forward-looking statements may include, among others, statements regarding operating results, the success of our internal operating plans, and the prospects for newly acquired businesses to be integrated and contribute to future growth, profit and cash flow expectations. Forward-looking statements may be in ...

POWERING CARE Forward-Looking Statements Certain matters contained in this presentation concerning our plans and expectations regarding the pending mergers with Kenvue and the pending International Family Care and Professional ("IFP") joint venture transaction with Suzano ("IFP Transaction"), the business outlook, including raw material, energy and other input costs, the anticipated charges and savings from the 2024 Transformation Initiative, cash flow and uses of cash, growth initiatives, innovations, mark ...

Q1 Fiscal 2026 Financial Results January 26, 2026 Today's Presenters Jure Sola Chairman & CEO Jon Faust EVP & CFO 2 Safe Harbor Statement Certain statements made during this presentation, including our financial outlook for the second quarter fiscal 2026 and growth expectations for fiscal 2026, constitute forward-looking statements within the meaning of the safe harbor provisions of Section 21E of the Securities Exchange Act of 1934. Actual results could differ materially from those projected in these state ...

South Plains Financial Fourth Quarter 2025 Earnings Presentation January 26, 2026 Safe Harbor Statement and Other Disclosures FORWARD-LOOKING STATEMENTS This presentation contains, and future oral and written statements of South Plains Financial, Inc. ("South Plains", "SPFI", or the "Company") and City Bank ("City Bank" or the "Bank") may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect South Plains' curr ...

TSX & ASX ORE OTCQX ORZCF STRATEGIC EXPANSION INTO CANADA Acquisition of Casa Berardi Mine Corporate Presentation | January 2026 All dollar amounts are in USD unless otherwise indicated IMPORTANT NOTICES AND DISCLAIMER Investor Presentation This investor presentation is dated January 26, 2026, and has been prepared by Orezone Gold Corporation ("Orezone" or the "Company") based on information available to it at the time of preparing this presentation. This presentation has been prepared in relation to Orezon ...

4Q25 Earnings Presentation COMMERCIAL BANCGROUP, INC. January 26, 2026 Important Notices and Disclaimers Use of Defined Terms As used in this presentation, the terms "Company," "Commercial," "we," "our," and "us" refer to Commercial Bancgroup, Inc., a Tennessee corporation. The term "Bank" refers to Commercial Bank, the Company's wholly owned bank subsidiary. Forward-Looking Statements This presentation contains statements that constitute "forward-looking statements" within the meaning of the U.S. federal s ...

Forward Looking Statements 4Q 2025 Investor Overview | do de | | --- | | ��� | | do de | | во се подата се подата се се се од се во се во се во се во се во с | | 2007 года по седония од составите од полности од политиона по седони | | do de | This earnings release contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. Any statements about our management's expectations, beliefs, plans, p ...

Bank of Hawai'i Corporation fourth quarter 2025 financial report January 26, 2026 disclosure forward-looking statements this presentation, and other statements made by the Company in connection with it, may contain forward-looking statements concerning, among other things, forecasts of our financial results and condition, expectations for our operations and business prospects, and our assumptions used in those forecasts and expectations. we have not committed to update forward-looking statements to reflect ...

2026 INVESTOR DAY JANUARY 26, 2026 Cautionary Statements Cautionary Statement Regarding Forward-Looking Statements, Including 2026 Outlook 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, which are intended to be covered by the safe harbor created by such sections and other applicable laws, including Canadian securities laws. Words such as "may", "will", "sh ...