Badger Meter First Quarter 2025 Financial Results April 17, 2025 1 Forward Looking Statements Certain statements contained in this presentation as well as other information provided from time to time by Badger Meter, Inc. (the "Company") or its employees, may contain forward-looking statements that involve risks and uncertainties that could cause actual results to differ materially from those statements. The words "anticipate," "believe," "estimate," "expect," "think," "should," "could" and "objective" or s ...

April 17, 2025 FORWARD -LOOKING STATEMENTS INVESTOR PRESENTATION This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. When used in this presentation, the words "believes," "anticipates," "expects," "estimates," "appears," "plans," "intends," "may," "should," "could" and similar expressions are intended to identify forward- looking statements. Although we believe that our plans, intentions and expectati ...

Earnings Results First Quarter 2025 Forward-Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. You can identif ...

1 NYSE: STT April 17, 2025 All comparisons are to corresponding prior year period unless otherwise noted | Investment Servicing | | | | | | --- | --- | --- | --- | --- | | and AUC/A yet to be installed of $3.1T1 | • | AUC/A of $46.7T at quarter-end; AUC/A wins of $182B | | | | primarily related to back office wins2 | • | New servicing fee revenue wins of | $55M | new State Street Alpha® mandate1 | | • | Reported 1 | Business | | | | • | Prior investments provide ability to proactively address client needs w ...

Earnings Presentation April 2025 Great Southern Bancorp. Inc (NASDAQ: GSBC) First Quarter Ended March 31, 2025 Executive Management Team Joseph W. Turner President & Chief Executive Officer Forward-Looking Statements When used in this presentation and in other documents filed or furnished by Great Southern Bancorp, Inc. (the "Company") with the Securities and Exchange Commission (the "SEC"), in the Company's other press releases or other public or stockholder communications, and in oral statements made with ...

Financial Performance - Net income available to common shareholders was $465 million, or $0.51 per diluted share[4] - Adjusted net income available to common shareholders was $487 million, or $0.54 per diluted share[4] - Total revenue was $1.784 billion, and adjusted total revenue was $1.809 billion[4] - Pre-tax pre-provision income was $745 million, and adjusted pre-tax pre-provision income was $774 million[4] - The efficiency ratio was 57.9%, and the adjusted efficiency ratio was 56.8%[4] - Return on average tangible common equity was 17.72%, and the adjusted return was 18.58%[4] Balance Sheet and Lending - Average loans and leases were approximately $96.1 billion in 1Q25[23] - Ending loans and leases decreased by 1% QoQ[26] - Average deposits increased by 1% QoQ to $131 billion, and ending deposits increased by 3%[28, 30] Net Interest Income and Margin - Net interest income (NII) was $1.194 billion, or $1.206 billion on a taxable-equivalent basis[32] - Net interest margin (NIM) was 3.52%[32] - The company expects NII to grow between 1% and 4% in 2025, with NIM increasing to 3.60% by 4Q25[40] Non-Interest Income and Expense - Non-interest income was $590 million, and adjusted non-interest income was $615 million[42] - Adjusted non-interest expense was $1.035 billion[47] - The company expects adjusted non-interest income to grow between 1% and 3% in FY25, and adjusted non-interest expense to be flat to up approximately 2%[45, 49] Asset Quality - Net charge-offs (NCOs) were $123 million, representing 0.52% of average loans[51] - Non-performing loans (NPLs) were $843 million, or 0.88% of total loans[56] - The allowance for credit losses (ACL) was $1.730 billion, representing 1.81% of total loans[54]

Financial Performance - Net income was $45.1 million, compared to $46.4 million for the prior quarter[6] - HFI Loan growth of $570 million year-over-year, representing a 5% increase[6] - Net interest margin (tax equivalent) increased by 10 basis points to 3.92%[6] - Return on average assets was 1.15%, and return on average equity was 10.17%, compared to 1.15% and 10.35% respectively, for the prior quarter[6] Balance Sheet and Loan Portfolio - Total assets of Banner Corporation are $16.2 billion, with deposits of $13.6 billion and loans of $11.5 billion[8] - Total loan originations (excluding HFS) were $536 million[6] - Allowance for credit losses – loans was 1.38% of total loans, with a $3.1 million provision for credit losses[6] - Non-performing assets remained low at 0.26% of total assets, up 2 basis points from last quarter[6] Revenue and Efficiency - Core revenue was $160 million for the quarter and $624 million for the last 12 months[23] - Noninterest income was $18.8 million for the quarter and $74.4 million for the last 12 months[23] - Efficiency ratio (GAAP) increased 126 basis points to 63.21%; adjusted, non-GAAP efficiency ratio increased 144 basis points to 62.18%[6] Strategic Focus - The company aims to build value for stakeholders by focusing on core banking competency, sustainable growth, and scalable acquisitions[7] - The company emphasizes growing revenue by taking advantage of its geography and value proposition[9]

2025 First Quarter Earnings Review Welcome. The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. are federally registered service marks of Huntington Bancshares Incorporated. ©2025 Huntington Bancshares Incorporated. Disclaimer Our Vision People-First, Customer-Centered Key Guiding Attributes Key Messages Delivered on organic growth strategies with sustained momentum supported by purposefully diversified customer base 1 Drove robust profit growth reflective of expanded net interest ma ...

Forward-Looking Statements and Additional Information Ally Financial Inc. 1Q 2025 Earnings Review April 17, 2025 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com 1Q 2025 Preliminary Results This presentation and related communications should be read in conjunction with the financial statements, notes, and other information contained in our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. This information is preliminary and based on ...

Financial Performance - Total revenues net of interest expense reached $16.967 billion, a 7% increase compared to Q1'24, or an 8% increase on an FX-adjusted basis[5] - Net income was $2.584 billion, up 6% year-over-year[5] - Diluted EPS increased by 9% to $3.64[5] Billed Business - Total billed business grew by 6% on an FX-adjusted basis[7] - U.S Consumer Services billed business increased by 7% year-over-year, with Millennials and Gen-Z contributing 14% growth[10] - International Card Services billed business saw a 13% increase, driven by a 12% rise in International Consumer and a 13% increase in International SME & Large Corp[14] Revenue Streams - Discount revenue increased by 4% to $8.743 billion[25] - Net card fees grew significantly by 18% to $2.333 billion[25] - Net interest income increased by 11% to $4.169 billion[25] Expenses and Credit Metrics - Total expenses increased by 10% to $12.487 billion, with variable customer engagement expenses accounting for 43% of revenue[40] - The net write-off rate for Card Member Loans was 2.4% in Q1'25[55] - Total provision decreased by 9% versus Q1'24, primarily driven by a net reserve release in the current period versus a net reserve build in the prior period, partially offset by higher net write-offs[67] Loans and Receivables - Worldwide total loans and card member receivables reached $207 billion, a 7% increase year-over-year on an FX-adjusted basis[16] Guidance - The company projects revenue growth of 8% - 10% for 2025[46] - EPS guidance for 2025 is set at $15.00 - $15.50, representing an adjusted EPS growth of 12% - 16%[46]