Fourth Quarter 2024 Results January 21, 2025 1 Forward-Looking Statements This presentation and related communications should be read in conjunction with the financial statements, notes, and other information contained in Capital One's Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. Please note that the following materials containing information regarding Capital One's financial performance is preliminary and based on Capital One's data available at the time of ...

THE PATHWARD STORY UPDATED JANUARY 21, 2025 FORWARD LOOKING STATEMENTS This investor update contains "forward-looking statements" which are made in good faith by Pathward Financial, Inc. (the "Company") pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. You can identify forward-looking statements by words such as "may," "hope," "will," "should," "expect," "plan," "anticipate," "intend," "believe," "estimate," "predict," "potential," "continue," "could," "future ...

3 – ABL – Asset Based Lending – ACL – Allowance for credit losses – AEA – Average Earning Assets – AFS – Available for sale securities – Annualized – Calculated to reflect a rate based on a full year – AOCI – Accumulated other comprehensive income – ARM – Adjustable Rate Mortgage – B – Dollars in billions – Beta – repricing based on a change in market rates – BOLI – Bank-owned life insurance – bps – basis points – Brokered Deposits – deposits obtained directly or indirectly through a deposit broker typicall ...

This presentation contains statements that we believe are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements other than statements of historical fact are forward-looking statements. These statements relate to our financial condition, results of operations, plans, objectives, future performance, cap ...

Non-GAAP Financial Measures 4th Quarter 2024 Financial Review January 21, 2025 Forward-Looking Statements These materials contain certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 (the "Act"), notwithstanding that such statements are not specifically identified as such. In addition, certain statements may be contained in our future filings with the Securities and Exchange Commission ("SEC"), in press releases, and in oral and written statements m ...

1 Safe Harbor Statement Statements in this presentation which are not historical facts are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These forward-looking statements may include discussions of the strategic plans and objectives or anticipated future performance and events of Peoples Bancorp Inc. ("Peoples"). The information ...

Winter Business Update January 21, 2025 Forward Looking Statements This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward- looking statements include statements that refer to expectations, projections or other characterizations of future events or circumstances and are identified by words such as "believe," "expect," "will," "may," "should," "could," "estimate," "anticipate," "con ...

KeyCorp Fourth Quarter 2024 Earnings Review January 21, 2025 Chris Gorman Chairman and Chief Executive Officer Clark Khayat Chief Financial Officer 2024 Results 15% Increase in strategic, fee-based businesses (Investment Banking, Wealth and Commercial Payments)(1) $61Bn In Assets Under Management(2) 4% Client Deposit Growth(1) 3% Net New Relationship Household Growth (7)% Criticized Loans QoQ 74bps NPAs / Period-end Loans(2) 41bps NCOs / Average Loans 12.0% Common Equity Tier 1(3), up ~200bps YoY 9.8% Marke ...

2024 Fourth Quarter Earnings Presentation January 21, 2025 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements regarding the Company's future plans, results, strategies, and expectations, including expectations around changing economic markets. These statemen ...

Q1 2024 Earnings Presentation June 6, 2024 RENT THE RUNWAY 3 TBU RENT THE RUNWAY 3 Contents Recent Business Highlights 02 Q2 + FY2024 Guidance 03 RENT THE RUNWAY Q 1 2024 Summary 4 RENT THE RUNWAY Forward-Looking Statements Disclaimer This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements in this presentation that do not relate to maers of historical fact should be considered forward-looking statements. These statement ...