24 January 2025 2024 Full year results Outstanding financial performance I Record free cash flow I 2025 Guidance on track Performance highlights Gilles Andrier Chief Executive Officer 2024 full year results Outstanding financial performance * Like-for-like: excludes the impact of currency, acquisitions and disposals 2024 Full year results IR presentation 3 • Sales of CHF 7.4 billion, an increase of 12.3% on a like-for-like* basis and an increase of 7.2% in Swiss francs • Strong performance across all market ...

Earnings Presentation Q4 2024 | January 22, 2025 2024 Financial Highlights 2024 Highlights | Balance Sheet Growth | | | --- | --- | | +3.8% | +6.9% | | Period Ending Loans | Core Customer Deposits(2) | | Improved Efficiency | | | 58.4% | 63.3% | | 2024 Adjusted Efficiency Ratio(1) | 2023 Adjusted Efficiency Ratio(1) | | Strong Capital Position | | | 12.4% | 14.0% | | CET1 Ratio | Total Capital Ratio | | Increased Tangible Book Value (1) | | | $21.54 | +$2.22 | | Tangible book value per common share(1) | Inc ...

Earnings Presentation 4 th Quarter & Full-Year 2024 Confidential and proprietary information. © 2024 Sallie Mae Bank. All rights reserved. 1 CAUTIONARY NOTE AND DISCLAIMER REGARDING FORWARD LOOKING STATEMENTS The following information is current as of January 23, 2025 (unless otherwise noted) and should be read in connection with the press release of SLM Corporation announcing its financial results for the quarter and year ended December 31, 2024, furnished to the Securities and Exchange Commission ("SEC") ...

Trademarks: All trademarks, service marks, and trade names referenced in this material are official trademarks and the property of their respective owners. Presentation: Strategic Update Presentation December 4, 2024 Associated Banc-Corp Important Disclosures Important note regarding forward-looking statements: Statements made in this presentation which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements r ...

Fiscal Second Quarter 2025 Results Conference Call January 23, 2025 DISCLAIMER This presentation contains "forward-looking statements"—that is, statements related to future events within the meaning of the Private Securities Litigation Reform Act of 1995. The Private Securities Litigation Reform Act of 1995 provides a safe harbor for forward-looking statements. Forward-looking statements often address our expected future business, financial performance, financial condition and results of operations, often c ...

January 22, 2025 Fourth Quarter 2024 Investor Presentation Forward Looking Statement Important note regarding forward-looking statements: Statements made in this presentation which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding management's plans, objectives, or goals for future operations, products or services, and forecasts of its revenues, earnings, or other measures of performance. Such ...

East West Bancorp, Inc. Fourth Quarter and Full Year 2024 Earnings Presentation January 23, 2025 Forward-Looking Statements and Additional Information Forward-Looking Statements This presentation contains forward-looking statements that are intended to be covered by the safe harbor for such statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of the management of East West Bancorp, Inc. (the "Company") and are subject ...

Fourth Quarter 2024 Highlights Net income of $7.3 million, up 4.9% from 3Q24 Diluted EPS of $0.83, up 3.8% from 3Q24 Adjusted total revenue of $34.8 million1, up 2.8% from 3Q24 – 4Q24 amount includes $4.7 million of prepayment and terminated interest rate swap gains Net interest margin of 1.67% and FTE NIM of 1.75%1,2, both up 5 bps from 3Q24 Deposit costs declined 17 bps while the yield on interest earning assets only declined 6 bps SBA GOS revenue of $8.6 million; impacted by timing of originations during ...

4th Quarter 2024 Earnings Presentation January 23, 2025 Disclaimer FORWARD-LOOKING STATEMENTS This presentation includes forward-looking statements within the meaning of the "Safe-Harbor" provisions of the Private Securities Litigation Reform Act of 1995, which management believes are a benefit to shareholders. These statements are necessarily subject to risk and uncertainty and actual results could differ materially due to various risk factors, including those set forth from time to time in our filings wit ...

NASDAQ: WTBA Q4 2024 | Earnings Highlights 1 Disclaimers Certain statements in this presentation, other than purely historical information, including estimates, projections, statements relating to the Company's business plans, objectives and expected operating results, and the assumptions upon which those statements are based, are "forward-looking statements" within the meanings of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of ...