Financial Performance - Underlying net income reached $1,015 million, a 2% increase compared to Q2 2024[11] - Reported net income increased by 11% to $716 million[11] - Underlying EPS grew by 4% to $1.79, while reported EPS increased by 14% to $1.26[11] - New business CSM remained flat at $435 million[11] - Total CSM increased by 9% to $137 billion[11] Growth & Sales - Asset management net flows & net wealth sales increased by $47 billion to $(149) billion[23] - Group - Health & Protection sales increased by 8% to $535 million[11] - Individual - Protection sales increased by 15% to $863 million[11] - Total AUM increased by 5% to $1541 billion[23] Financial Strength - SLF Inc's LICAT ratio increased by 2 percentage points to 151%[25] - The financial leverage ratio increased by 03 percentage points to 204%[23] Business Segment Performance - SLC Management's fee-related earnings increased by 37% to $89 million[33] - Asia's underlying net income increased by 13% to $206 million[43]

Load Growth Opportunities - Alliant Energy anticipates a greater than 30% increase in projected demand by 2030, using a 2024 base of approximately 6 GW maximum demand[7] - The company has contracted peak demand of +2.1 GW, representing potential load served through a combination of existing or new resources, short-term market purchases, and/or load flexibility[6,9] - Alliant Energy projects electric sales growth at a CAGR of 9-10% from 2025-2030[6] Tax Credits and Financing - Alliant Energy expects approximately $350 million of tax credits to be generated and transferred in 2025[26] - The company anticipates generating $1.5 billion in transferable tax credits through 2028, as projects are either already in service or safe harbored[10,13] - Alliant Energy plans to issue approximately $725 million in debt for AE Finance/Parent, $400 million for IPL, and $300 million for WPL in 2025[26] Regulatory and Financial Performance - Alliant Energy reaffirms its 2025 EPS guidance range of $3.15 - $3.25[23] - Q2 2025 earnings per share (EPS) were $0.68, compared to $0.57 ongoing earnings per share in Q2 2024[20] - The company plans approximately 800 MW of energy storage in service by 2027 and aims to safe harbor 100% of approximately 1,200 MW of new wind capacity[12]

Financial Performance - Gross Revenue increased to R$ 21 billion, a growth of 7.2%[11] - Pre-IFRS16 Net Income reached R$ 264 million, up 60%[12] - Post-IFRS16 Net Income reached R$ 219 million, up 78%[12] - Free Cash Flow reached R$ 2.7 billion LTM[13] Profitability - EBITDA Margin Pre-IFRS16 increased by 0.3 percentage points to 5.7%[5, 13] - EBITDA increased by R$ 0.5 billion Pre-IFRS16 LTM[12] Debt and Leverage - Net debt decreased by R$ 0.2 billion[12] - Leverage reduced by 0.48x to 3.17x compared to Q2 2024[12] - Net Debt + Discounted Receivables was R$ 13.8 billion as of June 2025[21] Cash Generation - Operating Cash Generation was R$ 3.9 billion, representing 90% EBITDA conversion to cash[21] - Total Cash Generation was R$ 0.7 billion[21] Expansion and Sales - Same Store Sales increased by 4.6%[11] - The company plans to open 10 new stores in 2025 and 10 new stores in 2026[7] Sustainability - Achieved a 20% reduction in scope 1 and 2 emissions compared to the target, aligned with a 42% reduction by 2030 (base year 2021)[29] - Reused 44% of waste, an increase of 1.2 percentage points compared to Q2 2024[29]

Company Overview - Alpha sold 171 million tons of coal in 2024[11] - Alpha's adjusted EBITDA in 2024 was $408 million[11] - Export sales accounted for 76% of Alpha's sales mix, while domestic sales made up 24%[11] Production and Reserves - Total production in 2024 was 157 million tons[18] - Total reserves as of year-end 2024 were 299 million tons[18] - Marfork Mining Complex accounted for 29% of 2024 production and 31% of total reserves[18] Financial Performance - In 2024, the average realized price for domestic coal was $152 per ton, while the average realized price for export coal was $140 per ton[37] - Alpha plans to invest approximately $27 million per year in DTA for infrastructure and equipment upgrades over the next 5 years[53] - Free cash flow for 2024 was $349 million[43] Safety and Environment - Alpha's safety performance shows approximately 35% lower Total Reportable Incident Rate vs industry average[16] - Alpha's safety performance shows approximately 70% lower Non-Fatal Days Lost vs industry average[16] - Alpha has planted over 53 million trees since 2016[16]

Financial Performance - Essent Group Ltd reported net income of $195.3 million for 2Q25, compared to $175.4 million in 1Q25[5] - The annualized Return on Equity (ROE) increased to 13.8% in 2Q25 from 12.5% in 1Q25[5] - The combined ratio for the U S Mortgage Insurance portfolio improved to 22.1% in 2Q25 from 31.8% in 1Q25[5] - The book value per share has grown at an annualized rate of 18.2% since December 31, 2013, reaching $56.98 as of June 2025[9] Portfolio and Risk Management - The U S Mortgage Insurance In Force (IIF) reached $246.8 billion in 2Q25, up from $244.7 billion in 1Q25[5] - New Insurance Written (NIW) increased to $12.5 billion in 2Q25 from $9.9 billion in 1Q25[5] - The portfolio default rate decreased slightly to 2.12% in 2Q25 from 2.19% in 1Q25[5] - 97% of the Insurance In Force (IIF) is subject to reinsurance protection as of June 30, 2025[5,30,33] Capital and Liquidity - Shareholders' equity remained stable at $5.7 billion in both 1Q25 and 2Q25[5] - The company has ample liquidity, with $1.0 billion in cash and investments available for sale at the holding companies[32] - The PMIERs sufficiency ratio was 176% in 2Q25, compared to 172% in 1Q25[5]

Financial Performance - FY25 Q2 revenue was $18 million, down 26% quarter-over-quarter[17] - FY25 Q2 gross profit was $1.7 million, down 70% quarter-over-quarter[17] - FY25 Q2 net loss was $9.8 million, a 126% increase quarter-over-quarter[17] - FY25 Q2 adjusted EBITDA was a loss of $6.5 million, down 129% quarter-over-quarter[17] - Trailing twelve months (TTM) revenue was $116.5 million, down 15% year-over-year[20] - TTM gross profit was $46.4 million, down 17% year-over-year[20] - TTM net loss was $16.4 million, down 202% year-over-year[20] - TTM adjusted EBITDA was $16 million, down 53% year-over-year[20] Segment Performance - Smart Water segment Q2 revenue increased 48% quarter-over-quarter to $9.5 million[25] - Energy Solutions segment Q2 revenue decreased 77% quarter-over-quarter to $2.6 million[31] - Intelligent Industrial segment Q2 revenue decreased 13% quarter-over-quarter to $5.9 million[37] Smart Water Segment - Over 27 million Hydroconn® universal AMI connectors have been sold[13] - Hydroconn® connectors achieved their highest first six-months revenue to date[15, 28] - Hydroconn® smart water meter connector cabling product line is BABA compliant[29]

Financial Performance - Time charter equivalent revenues were $88 million, a 282% decrease compared to Q2 2024[6] - Net loss was $19 million, resulting in a loss per share of $019[6] - Adjusted EBITDA was $12 million, down from $8 million in Q2 2024[6] - MR2 tankers reported an average daily TCE of $20686, while bulkers reported $12840 in Q2 2025[6] - For Q3 2025, 91% of MR available days are booked at an estimated average TCE rate of $21600/day, and 66% of dry-bulk carrier days are booked at $15250/day[6] Market Conditions and Outlook - The product tanker sector faces constructive but moderating conditions due to slower economic activity and increased tanker supply[12, 14] - Global GDP growth is forecasted at approximately 3% for 2025 and 2026, impacting seaborne trade of refined products[14] - Major geopolitical events, such as the Russia-Ukraine war and Red Sea conflicts, continue to influence chartering activities and trade routes[15] - The introduction/expansion of trade restrictions, led by the U S, is developing, including the effects on the energy markets[15] Fleet and Strategy - Approximately 46% of the remaining days of 2025 are covered by existing charters[7] - The company is well-positioned for opportunistic fleet expansion with cash items and a Hunting License bank loan commitment of up to $45 million[6] MR2 Tanker Supply - The MR2 orderbook stood at 319 vessels as of June 1, 2025, representing 169% of the worldwide fleet[16] - An estimated annual net growth of 5-6% in 2025 is expected in MR2 supply[16]

Grupo Cibest Overview - Grupo Cibest's assets reached $375 billion, with liabilities of $333 billion and equity of $41 billion[4] - The group serves over 33 million clients and employs 33,993 individuals[4] - The company's Return on Equity (ROE) stands at 175% and Double Leverage at 105%[4] Strategic Business Model - Bancolombia S A is the leading financial institution in Colombia, serving over 16 million customers with a market share of 28% in gross loans and 26% in deposits[15] - Bancoagrícola is the largest financial institution in El Salvador, serving over 17 million customers with a market share of 25% in gross loans and deposits[10] - Banistmo is the second largest financial institution in Panama, serving over 557,619 customers with a market share of 8% in gross loans and deposits[11] - Grupo Agromercantil Holding (GAH) is the fourth largest financial institution in Guatemala, serving 617,819 clients with a market share of 10% in gross loans and 8% in deposits[9] Financial Performance 2Q25 - Total gross loans increased by 44% year-over-year and 04% quarter-over-quarter[44] - Total deposits increased by 96% year-over-year and 24% quarter-over-quarter[66] - Net Interest Margin (NIM) is at 66%[24] - The efficiency ratio is 507%[24]

Q2 2025 Performance Highlights - Concentra's Q2 2025 total revenue increased by 152% year-over-year to $5508 million, with an 87% increase excluding the impact of the Nova acquisition[17] - Adjusted EBITDA for Q2 2025 grew by 132% year-over-year to $1150 million[17] - The number of onsite health clinics significantly increased to 406, a rise of 252 clinics, primarily due to the Pivot Onsite acquisition[17] - Revenue per visit (RPV) increased by 44% year-over-year to $146 in Q2 2025[17] YTD 2025 Performance Highlights - Total revenue for YTD 2025 increased by 112% year-over-year to $10515 billion, or 121% on a per-day basis[18] - Adjusted EBITDA for YTD 2025 increased by 101% year-over-year to $2177 million[18] - The number of occupational health centers increased to 628, a rise of 81 centers, due to the Nova acquisition and other M&A activities[18] - Revenue per visit (RPV) increased by 50% year-over-year to $146 in YTD 2025[18] Guidance and Financial Strategy - The company is raising its FY 2025 revenue guidance to $213 billion-$216 billion and Adjusted EBITDA guidance to $420 million-$430 million[16] - Concentra is targeting a net leverage ratio of less than 30x by the end of 2026[16]

Financial Performance - Record adjusted net earnings of $48 million were achieved in Q2 2025[12] - Gold revenue increased by 30% from Q1 2025, reaching $200 million[12,50] - Adjusted EBITDA was $99 million, with $264 million on a trailing 12-month basis[12,50] - Cash on hand totaled $310 million, including +$61 million from exercised warrants after June 30, 2025[12] - Adjusted earnings per share reached $027[12,18] Operational Highlights - Total gold production for Q2 2025 was 58,652 ounces, a 7% increase from Q1 2025[25,49] - Segovia Operations produced 51,527 ounces of gold[25,49] - Total AISC margin increased by 43% from Q1 2025, reaching $87 million[25,49] - CMP-sourced gold delivered a 42% AISC sales margin, outperforming the FY 2025 guidance range of 35% to 40%[25,49] Projects and Future Outlook - The company is targeting gold production of 300,000 ounces in 2026[27]