FY/Q4 2024 PRELIMINARY REVENUES Unaudited figures January 27, 2025 1 Disclaimer Non-IFRS Financial Measures The Group's management monitors and evaluates operating and financial performance using several non-IFRS financial measures including: revenues on a constant currency basis (constant currency) and revenues on an organic growth basis (organic growth or organic). The Group's management believes that these non-IFRS financial measures provide useful and relevant information regarding the Group's financial ...

Fourth Quarter 2024 Earnings Conference Call January 24, 2025 Forward Looking Statements & Non-GAAP Measures This presentation contains certain "forward-looking statements" within the meaning of such term in the Private Securities Litigation Reform Act of 1995. We and our representatives may, from time to time, make written or oral statements that are "forward-looking" and provide information other than historical information. These statements involve known and unknown risks, uncertainties and other factors ...

Exhibit 99.2 OceanFirst Financial Corp. 4Q 2024 Earnings Release Supplement(1) January 2025 (1) The 4Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 23, 2025. . . . Legal Disclaimer . . . FORWARD LOOKING STATEMENTS. In addition to historical information, this presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which ar ...

Fourth Quarter and Full Year 2024 Earnings Conference Call January 24, 2025 NextEra Energy 1 Cautionary Statements and Risk Factors That May Affect Future Results This presentation includes forward-looking statements within the meaning of the federal securities laws. Actual results could differ materially from such forward-looking statements. Factors that could cause actual results to differ are discussed in the Appendix herein and in NextEra Energy's SEC filings. Non-GAAP Financial Information This present ...

South Plains Financial Fourth Quarter and Year-End 2024 Earnings Presentation January 24, 2025 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, statements about future events that constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. ...

Fourth Quarter 2024 Earnings Conference Call January 24, 2025 Louis J. Torchio T.K. Creal President and Chief Executive Officer Chief Credit Officer Douglas M. Schosser Michael D. Perry Chief Financial Officer Investor Relations Sean P. Morrow Treasurer Corporate Development & Strategy Forward-looking Statements and Additional Information The information contained in this presentation may contain forward-looking statements. When used or incorporated by reference in disclosure documents, the words "believe," ...

EARNINGS PRESENTATION FOURTH QUARTER 2024 NASDAQ: USCB FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words "may," "will," "anticipate," "could," " should," "would," "believe," "contemplate," "exp ...

1 4Q24 Earnings Presentation Forward-Looking Statements Forward-Looking Statements This communication contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of the Company. These statements are often, but not always, made through the use of words or phrases such as ''may'', ''might'', '' ...

Q4 Earnings Presentation January 23, 2025 Q4 2024 financial highlights Key Metrics Highlights $60.8 million Net income $68.3 million Operating net income* | $0.30 | $0.34 | | --- | --- | | Diluted EPS | Diluted operating EPS* | | 3.05% | 1.69% | | NIM* | Total deposit cost | | 0.76% | 0.71% | | NPLs / total loans | NCOs / avg. loans | $0.12 per share Dividend declared *Non-GAAP Financial Measure. Please refer to Appendices A-D for applicable reconciliation. 1CET1 ratio as of December 31, 2024 is preliminary ...

First Citizens BancShares, Inc. Fourth Quarter 2024 Earnings Conference Call January 24, 2025 Important Notices Forward Looking Statements This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans, asset quality, future performance, and other strategic goals of BancShares. Words such as "anticipates," "believes," "estimates," "expects," "predicts," "forecasts," "i ...