Fourth quarter and full year 2024 results January 30, 2025 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 2024 achievements Delivered responsible growth Adapted to macroeconomic and regulatory environments Strengthened our balance sheet Drove operational excellence and technology advancement Achieved full year 2024 financial targets | | Full year | Full year | | --- | --- | --- | | | 2024 outlook | 2024 actuals | | Average loans | Down low single digits | -1% | | R ...

January 2025 Investor Presentation I N V E S T O R P R E S E N T A T I O N Safe Harbor This presentation contains certain statements, estimates and forecasts with respect to future performance and events. These statements, estimates and forecasts are "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. In some cases, forward-looking statements can be identified by the use of forward-looking terminology such as "may," "mig ...

2024 Earnings January 30, 2025 2024 Earnings 2 Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire securities issued by any of the aforementioned companies, or to contract any financial product. Any decision to purchase or invest in securities or contract any financial product must be made solely and ...

Altria's Fourth-Quarter and Full-Year 2024 Earnings Conference Call January 30, 2025 1 | ALCS | Q4 2024 | 1.30.25 | For Investor Purposes ONLY Safe Harbor Statement 2 | ALCS | Q4 2024 | 1.30.25 | For Investor Purposes ONLY 3 | ALCS | Q4 2024 | 1.30.25 | For Investor Purposes ONLY Strong Financial Results and Significant Cash Returns $4.95 $5.12 FY 2023 FY 2024 +3.4% $6.3 $8.1 $8.4 $7.8 $10.2 2020 2021 2022 2023 2024 ($ in billions) *For reconciliations of non-GAAP to GAAP measures visit altria.com. 4 | ALCS ...

MALIBU BOATS, INC." Malibu Boats, Inc. Second Quarter Fiscal 2025 Earnings Results January 30, 2025 USE & DEFINITION OF NON-GAAP FINANCIAL MEASURE This presentation includes the following financial measures defined as non-GHAP financial measures by the Securities and Exchange Commission: Adjusted EBITDA , Adjusted EBI Fully Distributed Net (Loss) Income and Adiusted Fully Distributed Net (Lass) Income ver Share. These measures have linitations as and tructures on and structured as an alt more meaningflul th ...

Fourth Quarter and Full Year 2024 Financial Review January 30, 2025 Caterpillar: Confidential Yellow 4Q 2024 EARNINGS RELEASE 4Q 2024 EARNINGS RELEASE Forward-Looking Statements Certain statements in this financial review relate to future events and expectations and are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as "believe," "estimate," "will be," "will," "would," "expect," "anticipate," "plan," "forecast," "target," "guide," "project," ...

Fourth Quarter 2024 Conference Call Kathy Warden Chair, Chief Executive Officer and President Ken Crews Corporate Vice President and Chief Financial Officer January 30, 2025 Forward-Looking Statements This presentation and the information we are incorporating by reference, and statements to be made on the earnings conference call, contain or may contain statements that constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as "will," "e ...

January 30, 2025 © 2025 United Parcel Service of America, Inc. UPS, the UPS brandmark, and the color dark brown tone are trademarks of United Parcel Service of America, Inc. All rights reserved. 4Q24 Earnings Call PJ GUIDO Investor Relations Officer © 2025 United Parcel Service of America, Inc. UPS, the UPS brandmark, and the color dark brown tone are trademarks of United Parcel Service of America, Inc. All rights reserved. 2 UPS Speakers CAROL B. TOMÉ Chief Executive Officer BRIAN DYKES Chief Financial Off ...

In addition to disclosing financial measures prepared in accordance with GAAP, this presentation contains certain non-GAAP financial measures as defined by Requlation & in inonne from roperations, non-GAAP operation margin, non-GAAP net income non-GAAP net income one diluted share, free cash hyve/REE/FCE margin, tre-lax FCF, and goe-tax FCF, also use or discuss non-GAAP financial measures in earnings releases, conference calls, other slide presentations and webcasts. We use these non-GARP financial measures ...

Fourth Quarter 2024 Results January 30, 2025 Cautionary Statement Forward-Looking Information This earnings presentation and the associated conference call may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matte ...