Financial Performance - Net sales increased by 3% to $2330.1 million compared to $2271.2 million in the prior year[5] - Comparable net sales increased by 5%[2] - Adjusted earnings per share decreased by 24% to $2.10[2, 5] - Free cash flow was $280.2 million, down from $317.2 million in the prior year[2] - Adjusted gross profit decreased by 10% to $789.9 million[5] - Adjusted operating income decreased by 20% to $394.3 million[5] Segment Performance - U S Retail Coffee net sales increased by 21% to $848.9 million[14] - U S Retail Frozen Handheld and Spreads net sales decreased by 5% to $461.1 million[14] - U S Retail Pet Foods net sales decreased by 7% to $413.2 million[14] - Sweet Baked Snacks net sales decreased by 19% to $256.1 million[14] - International and Away From Home net sales increased by 9% to $350.8 million[14] Fiscal Year 2026 Outlook - The company expects net sales to increase by 3.5% to 4.5%[16] - Adjusted EPS is projected to be in the range of $8.75 to $9.25[16] - Free cash flow is expected to be $975 million[16]

Company Overview - Yiren Digital has 19 years of expertise in lending technology and is listed on the NYSE[11] - The company has a robust financial foundation supported by steady cash flow, a fast-growing internet insurance business, and a next-generation Fintech platform under development[11] - Yiren Digital utilizes a proprietary Agentic AI platform to boost employee productivity and service quality[11] - The company is expanding internationally in Southeast Asia, supported by technological expertise and local partnerships[11] Financial Performance - Loan facilitation reached RMB 202 billion, a 51% year-over-year increase[16] - Internet Insurance annualized premium reached RMB 196 million, a 204% quarter-over-quarter increase[16] - The company holds RMB 39 billion in cash and equivalents to support growth, M&A, and shareholder returns[16] - The dividend yield is 96% as of November 24th, 2025[16] - In Q3 2025, financial services revenue was RMB 14 billion, a 70% year-over-year increase[18] Risk Management and Customer Acquisition - 77% of loans in Q3 2025 were from repeat borrowers[17, 23] - The company focuses on premium borrowers, with 77% repeat borrowing in Q3 2025[17] - Delinquency rates remain manageable, with 1-30 days delinquent cases at 27%, 31-60 days at 17%, and 61-90 days at 14%[16]

November 2025 z Investor Presentation Real Gross Domestic Product % Change YoY 2.7% -2.1% 2.8% -2.6% -2.0% -9.9% 10.4% 6.0% -1.9% -1.3% 3.9% 3.6% -15% -10% -5% 0% 5% 10% 15% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025f 2026f Source: Banco Galicia based on INDEC, BCRA and own estimations Source: Banco Galicia based on INDEC Industrial Production -2.3% 3Q25 -2.0% -30% -15% 0% 15% 30% 1Q18 4Q18 3Q19 2Q20 1Q21 4Q21 3Q22 2Q23 1Q24 4Q24 3Q25 QoQ % Var. (s.a.) YoY % Var. -0.1% 2Q25 6.3% -20% -10% 0% 10% ...

Business Performance - 3Q25 RevPAR was 97.8% of 2024's level for the same period[12] - 3Q25 Same-Hotel RevPAR was 95.0% of 2024's level for the same period[15] - Retail GMV increased by 75.5% from RMB 566 million in 3Q24 to RMB 994 million in 3Q25[44] - Online channels contributed to over 90% of retail sales[46] - The number of registered individual members increased by 30% from 83 million in 3Q24 to 108 million in 3Q25[63] Hotel Network Expansion - 152 new hotels opened in 3Q25[19] - The company had 1,948 hotels in operation as of September 30, 2025[19] - The company had 754 hotels in the pipeline as of September 30, 2025[19] Financial Highlights - Net revenues increased by 38.4% year-over-year to RMB 2,627,970 thousand in 3Q25[79] - Adjusted net income increased by 27.0% year-over-year to RMB 488 million in 3Q25[91] - Adjusted EBITDA increased by 28.7% year-over-year to RMB 685 million in 3Q25[94] - The company's cash and cash equivalents were RMB 2,670 million as of September 30, 2025[98] Outlook - The company expects a total net revenues growth rate of 35% year-over-year for full year 2025[106]

Business Update November 2025 0 Disclaimer This presentation has been prepared by Pony AI Inc. (the "Company") solely for informational purposes and has not been independently verified. No representations, warranties or undertakings, express or implied, are made by the Company or any of its officers, directors, affiliates, advisers, or representatives as to, and no reliance should be placed upon, the accuracy, fairness, completeness or correctness of the information or opinions presented or contained in thi ...

Financial Performance - Total net revenue reached RMB 22 billion, a 5% year-over-year increase[5, 7] - Non-GAAP operating loss narrowed by 87% year-over-year, reaching RMB (108) million[5] - Brand Management (BBM) revenue increased by 20% year-over-year, reaching RMB 396 million[5] - E-Commerce revenue increased by 2% year-over-year, reaching RMB 18 billion[5, 7] E-Commerce Strategy - Online Store Operations revenue increased by 16% year-over-year[35] - Digital Marketing & IT Solutions revenue increased by 6% year-over-year[35] - Luxury category revenue within Online Store Operations increased by 14% year-over-year[35] - Other Apparel category revenue within Online Store Operations increased by 25% year-over-year[36] - E-Commerce product sales gross margin increased from 102% in 3Q2024 to 131% in 3Q2025[30] Brand Management Achievements - Brand Management (BBM) net revenues reached RMB 396 million, with a 20% year-over-year growth rate[5, 39] - Brand Management (BBM) gross profit margin was 566% in 3Q2025[39]

Company Overview - Stora Enso is a renewable materials company with approximately 19,000 employees[11] - The company had sales of 9 billion EUR in 2024[11] - Adjusted EBIT was 598 million EUR in 2024[11] - Stora Enso avoids approximately 14 million tons of CO2e by replacing fossil-based alternatives[18] Business Segments - Packaging accounts for 57% of sales[19] - Biomaterials represent 14% of sales[18] - Wood Products contribute 15% of sales[18] - Forest segment accounts for 13% of sales[18] Geographical Reach - Europe accounts for 69% of sales[21] - Asia represents 17% of sales[18] - Americas contribute 6% of sales[18] - Rest of the World accounts for 8% of sales[18] Production and Capacity - Packaging Material mills have a capacity of 6 million tons[60] - Integrated pulp mills have a capacity of 5 million tons[60] - Packaging solutions have a capacity of 1.6 billion m2[60] - Sawmills have a capacity of 5.4 million m³[60]

Financial Performance and Targets - Fortum's comparable EBITDA for the last twelve months Q3 2025 was €1.3 billion, with Generation contributing 84% and Consumer Solutions 16%[3] - The company targets a comparable Return on Net Assets (RONA) of 14%[15] - Fortum aims for an optimisation premium of €8-10/MWh in 2026 and €6-8/MWh from 2027 onwards[22] - The company is targeting comparable operating profit improvement of €330 million by 2030 from existing fleet[34] Growth and Development - Nordic power demand is projected to grow significantly, reaching 760 TWh/a by 2030 and 975 TWh/a by 2050[8] - Fortum targets a ready-to-build pipeline of 1.2 GW for solar and onshore wind by the end of 2028, with approximately 8 GW in the permitting phase[22] - The company aims to have 2.5 GW of new ready-to-deploy flexibility by the end of 2028[22] Hedging and Capital Expenditure - Fortum's hedging target is >25% for rolling 10-year outright generation volume by the end of 2028[52] - The company has hedged 90% of its power at 42 €/MWh for 2025, 70% at 41 €/MWh for 2026, and 45% at 39 €/MWh for 2027[52] - Fortum plans maintenance capital expenditure of €1.25 billion and growth capital expenditure of €750 million between 2026 and 2030[38] Consumer Solutions - Consumer Solutions has approximately 2.3 million consumer and SME customers with ~41 TWh of power and gas demand[93] - Consumer Solutions net revenues LTM are 201 million EUR with a CAGR of +5%[97]

Financial Performance & Strategic Goals - Straumann Group aims for double-digit growth CAGR and 10 million smiles by 2030[9] - From 2021 to 2024, revenue increased from CHF 2.321 billion to CHF 2.504 billion, a CAGR of +3.2%[11] - EBIT increased from CHF 603 million to CHF 650 million, a CAGR of +26.0%[11] - The company targets revenue growth at around 10% CAGR and an average profitability increase by 40 to 50 bps core EBIT margin p a for 2026-2030 at constant FX[47] Market Opportunities & Strategies - The global dental implant market is estimated at CHF 6.0 billion, with Straumann holding a 35% market share[26] - The clear aligner market is valued at CHF 4.7 billion, where the company has approximately 3% market share[26] - The CADCAM prosthetics market is CHF 5.6 billion, with the company holding less than 5% market share[26] - The digital equipment market is CHF 2.6 billion, with the company holding over 5% market share[26] - Straumann is expanding its implantology business through product innovation, digitalization, education, and geographic expansion[32, 80] Digital Transformation & AXS Platform - Straumann AXS platform aims to transform dental professionals' digital experience by simplifying workflows, improving quality of care, accelerating treatment, and increasing efficiency[41, 54] - Digital equipment and product consumption from the platform are major growth drivers, with software subscription fees creating additional recurring revenues[46, 70] - The company has an ambition to increase market share in the Intra Oral Scanner segment[187]

Financial Performance - Tuya's total revenue for Q3 2025 was $82.5 million, a 1% year-over-year increase[9] - The company's gross margin was 48% in Q3 2025[9] - Non-GAAP operating profits reached $8.9 million, representing an 11% margin, a 21% year-over-year increase[9] - Non-GAAP net profits were $20.1 million, with a 24% margin[9] - GAAP net profits were $15.0 million, with an 18% margin, a 442% year-over-year increase[9] - The company's net cash balance stood at $1.027 billion as of September 30, 2025[9] Business Highlights - Tuya is the largest 3rd party AI developer platform globally[9] - International revenue accounts for 85%~90% of the total revenue[9] - The company has a dividend for 2025 H1 of $33 million[9] - The current market capitalization is between $1.25 billion and $1.7 billion[9] - The company has served approximately 7,000 global brands[12] - Tuya's technology powers approximately 880 million smart devices[12]