STOCKHOLDER PRESENTATION Q1 | AGNC Common Stock | | | --- | --- | | Ticker | Nasdaq: AGNC | | IPO Date | May 2008 | | Market Capitalization | $9.1 B | | Total Dividends Paid Since IPO1 | $14.3 B | | Total Stock Return Since IPO2 | 427% | | Dividend Yield | 15.0% | APRIL 22, 2025 THE PREMIER AGENCY RESIDENTIAL MORTGAGE REIT © 2025 AGNC Investment Corp. All Rights Reserved. 2025 IMPORTANT NOTICES Safe harbor statement under the private securities litigation reform act of 1995 This presentation contains statem ...

Financial Performance - Verizon's total revenue reached $33.5 billion, showing a 1.5% year-over-year increase[16] - Adjusted EBITDA grew to $12.6 billion, a 4.0% increase year-over-year, with an adjusted EBITDA margin of 37.5%[6, 16] - Adjusted EPS increased by 3.5% year-over-year, reaching $1.19[16] - Free cash flow saw a significant increase of 34.3% year-over-year, reaching $3.6 billion[6] Wireless Segment - Wireless service revenue totaled $20.8 billion, reflecting a 2.7% year-over-year growth[6] Cash Flow and Debt Management - Cash flow from operations increased to $7.8 billion, compared to $7.1 billion in Q1 2024[18] - Total debt decreased from $151.7 billion to $143.6 billion[18] - Net unsecured debt decreased to $115.1 billion, resulting in a net unsecured debt to adjusted EBITDA ratio of 2.3x[18] Operating Metrics - Verizon reported 2.4 million wireless retail postpaid phone gross adds, a 0.2% year-over-year increase[8]

2025 First Quarter Earnings (unaudited) Bill Brown Anurag Maheshwari Chief Executive Officer Chief Financial Officer Chinmay Trivedi This presentation contains forward-looking statements. You can identify these statements by the use of words such as "plan," "expect," "aim," "believe," "project," "target," "anticipate," "intend," "estimate," "will," "should," "could," "would," "forecast," "future," "outlook," "guidance" and other words and terms of similar meaning. Forward-looking statements are based on cer ...

Q1 2025 Performance & Strategy - The company is embarking on "Powering Care" to establish a strong foundation, scaling initiatives in 2025 while transforming, and aiming to accelerate growth by leveraging scale for industry-leading returns in 2026+[9] - The company is focused on accelerating pioneering innovation, optimizing its margin structure, and wiring its organization for growth to navigate a complex and uncertain operating environment[12] - Gross productivity delivered 5.2% of Adjusted COGS in Q1, with higher contributions expected from Network Optimization & Value Stream Simplification initiatives in 2025[20] - The company is on track to deliver $200 million of SG&A savings from rewiring the organization, with Q1 showing initial results[20] Financial Results & Outlook - Q1 2025 organic sales growth was down 1.6%[46], while adjusted operating profit growth was down 3.8%[46], and adjusted EPS growth was down 4.0%[46] - Q1 2025 adjusted free cash flow was $183 million[46] - North America organic growth was down 0.6%[48], while operating profit growth was up 1.3%[48] - International Personal Care organic growth was 2.8% decrease[52], while International Family Care & Professional organic growth was 2.3% decrease[55] - The company projects approximately $2 billion of adjusted free cash flow for 2025, including $1.0-$1.2 billion of capital expenditures[57] Innovation & Market Performance - In Indonesia Adult Care, thinner, more breathable solutions drove +37% organic growth and +31% volume growth[32] - Poise experienced +6.6% consumption growth in the US xAOC+, a 36% increase in first-time buyers at a key online customer, and a ~30 bps share gain in Light Inco in the US xAOC+[35]

Forward looking statements Note: This press release contains statements which, to the extent they are not statements of historical or present fact, constitute "forward-looking statements" under the securities laws. From time to time, oral or written forward-looking statements may also be included in other information released to the public. These forward-looking statements are intended to provide RTX Corporation ("RTX") management's current expectations or plans for our future operating and financial perfor ...

Financial Performance - Operating revenue reached $488 billion, a 154% increase[7, 8, 10] - Health Benefits operating revenue was $41431 billion, up 112%[12, 35] - CarelonRx operating revenue was $167 billion, a 254% increase[16, 35] - Carelon Services operating revenue increased by 630% to $6536 billion[17, 35] - Adjusted operating expense improved by 60 bps[10] - Adjusted diluted earnings per share are targeted to grow at least 12% annually[21, 22, 26] Health Benefits Segment - Health Benefits membership totaled 458 million, a decrease of 05%[12, 15] - Adjusted operating margin for Health Benefits declined by 80 bps to 54%[15] Carelon Segment - Carelon Services operating revenue expanded by over 60%[17] - Adjusted scripts in CarelonRx increased by 90%[16]

Financial Performance - First quarter global sales increased by 1.4% to $5.9 billion, impacted by one less day[11] - Adjusted EBITDA decreased by 8.4% to $473 million, with an adjusted EBITDA margin of 8.1%, a decrease of 80 bps[12] - Adjusted diluted EPS decreased by 21.2% to $1.75[12] - Free cash flow was negative $161 million[13] Segment Performance - Industrial global sales decreased by 0.4% to $2.2 billion, with global comps down 0.7%, impacted by one less day[15] - Industrial segment EBITDA was $279 million, in-line with prior year, with a segment EBITDA margin of 12.7%, improved 10 bps[15] - Automotive global sales increased by 2.5% to $3.7 billion, with global comps down 0.8%, impacted by one less day[18] - Automotive segment EBITDA decreased by 10.7% to $286 million, with a segment EBITDA margin of 7.8%, decreased 110 bps[18] 2025 Outlook - Reaffirmed total sales growth of 2% to 4% for both Automotive and Industrial segments[34] - Reaffirmed adjusted diluted EPS guidance of $7.75 to $8.25, representing an adjusted EPS growth of (5%) to 1%[34] - Reaffirmed free cash flow guidance of $800 million to $1 billion[34]

Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.investors.synchrony.com) and the SEC's website (www.sec.gov). All references to net earnings and net income are intended to have the same me ...

ZIONS FIRST QUARTER 2025 April 21, 2025 FORWARD-LOOKING STATEMENTS; USE OF NON-GAAP FINANCIAL MEASURES Financial Review Forward Looking Information This presentation includes "forward-looking statements" as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties, and other factors that may cause our ...

Financial Earnings Results First Quarter 2025 April 21, 2025 Forward Looking Statements This presentation contains forward-looking statements about Cathay General Bancorp and its subsidiaries (collectively referred to herein as the "Company," "we," "us," or "our") within the meaning of the applicable provisions of the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe harbor provision for forward-looking statements in these provisions. State ...