Financial Highlights - Total assets reached $10.5 billion[13] - Total loans amounted to $7.3 billion[13] - Total deposits totaled $9.1 billion[13] - Tangible common equity stood at $1.1 billion[13] - Market capitalization was $683 million as of January 20, 2026[14] Capital & Liquidity - CET1 Ratio was 13.83%[19] - Tangible Common Equity / Tangible Assets was 10.87%[19] - Available liquidity covered uninsured deposits by 199%, with $4.7 billion in combined on-balance sheet liquidity and available borrowing capacity against $2.4 billion in uninsured deposits[19, 59] Income Statement - Net interest income increased by $0.1 million quarter over quarter[44] - Provision for credit losses decreased to $15.5 million, compared to $113.2 million for the prior quarter[49] - Noninterest income increased by $9.7 million[50] 2026 Outlook - Average deposits are projected to decrease by 4-7%[53] - Average loans are expected to decrease by 4-6%[53] - Net interest margin is forecasted to be between 2.60% - 2.80%[53]

FOURTH QUARTER 2025 January 22, 2026 ©2026 Live Oak Bancshares. All rights reserved. FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities Litigation Reform Act of 1995. These statements generally relate to our financial condition, results of operations, plans, objectives, future performance or business and usually can be identified by the use of forward-looking terminology such as "may," "will," "would," "should," "could," "expect ...

Corporate Update January 2026 Power and precision in cancer radiotherapeutics NASDAQ: PSTV Cautionary Note Regarding Forward Looking Statements This presentation contains statements that may be deemed "forward-looking statements" within the meaning of U.S. securities laws, including statements regarding clinical trials, expected operations and upcoming developments. All statements in this presentation other than statements of historical fact are forward-looking statements. These forward-looking statements m ...

Financial Highlights - Full Year 2025 Net Income to common reached a record high for the firm[4], with adjusted Net Income to common at $3138 million[5, 73] - Full Year 2025 revenue was $12577 million, a record high for the firm[5, 67] - Full Year 2025 Tangible Book Value per Share was $7525, an increase of $893 or 13%[5] - Full Year 2025 Return on average assets was 104%[5] - Q4 2025 adjusted earnings per share grew 45% year-over-year[7] - Q4 2025 adjusted return on average assets was 120%[7] Loan Portfolio - Total LHI increased by $16 billion, or 7% year-over-year[18] - Ending period commercial loans increased by $11 billion, or 10% year-over-year[19] - Multifamily comprises $22 billion, or 40% of CRE loans[19] - Full year average mortgage finance loan balances increased 12% to $52 billion[19] Deposits and Funding - Total deposit balances increased $12 billion, or 5% year-over-year[24] - Non-interest bearing, excl MF10 deposits increased $233 million, or 8% quarter-over-quarter to $33 billion[25] - Average cost of interest bearing deposits declined 29bps to 347%[25] - Average MF10 non-interest bearing deposits increased $78 million linked quarter to $50 billion, representing 85% of average mortgage finance loans in Q4 2025 compared to 107% in Q4 of last year[25] Asset Quality - Criticized LHI declined $79 million, or 11% year-over-year, with the percentage of total LHI declining 54bps to 264%[56] - Special mention LHI declined $89 million, or 20% year-over-year[56] - Quarterly net charge-offs were $107 million, or 018% of average LHI[53, 56] Capital Position - Tangible common equity to tangible assets ended the quarter at 1056%, an improvement of 58bps year-over-year[5, 66] - Tangible book value per share expanded $223, or 3% quarter-over-quarter[66] - Repurchased 14 million shares in Q4 for a total of $125 million[66]

2025 Fourth Quarter Earnings Review January 22, 2026 Welcome. The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. are federally registered service marks of Huntington Bancshares Incorporated. ©2026 Huntington Bancshares Incorporated. Abundant Green R: 126 G: 207 B: 28 Dark Teal R: 3 G: 79 B: 84 Pastel Teal R: 184 G: 239 B: 228 Pastel Magenta R: 248 G: 224 B: 229 White R: 255 G: 255 B: 255 Prosperous Sage R: 0 G: 45 B: 42 Primary Palette Off-White R: 245 G: 245 B: 245 Second Palette H ...

2025 Fourth Quarter Earnings Presentation January 22, 2026 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 ...

Q4 2025 Earnings Presentation J a n u a r y 2 2 , 2 0 2 6 Forward-looking Statements and Additional Information members of its board of directors and senior management teams. Investors and security holders are cautioned that such statements are predictions, and are not guarantees of future performance. Actual events or results may differ materially. Expected financial results or other plans are subject to a number of known and unknown risks, uncertainties and assumptions that are difficult to assess and are ...

STRATEGY UPDATE & FOURTH QUARTER 2025 EARNINGS REVIEW northerntrust.com | © 2026 Northern Trust Corporation northerntrust.com | © 2026 Northern Trust Corporation 1 Executive Sponsor: Presenting: Strategic Update northerntrust.com | © 2026 Northern Trust Corporation northerntrust.com / © 2026 Northern Trust 3 3 January 22, 2026 Financial Highlights & Key Takeaways | | 1 | Strategic Update | Page 3 | | --- | --- | --- | --- | | | 2 | Financial Highlights | Page 11 | | Agenda | 3 | Appendix | Page 20 | norther ...

Fourth-quarter and full-year 2025 results | Adjusted diluted EPS | | | | --- | --- | --- | | Fourth quarter | $1.501 | ↑12% | | Full year | $5.152 | % ↑10 | | W orldwide sales | Organic* sales growth for underlying base business** | 5 Full-year 2026 guidance | | $11.5B | ↑3.8%3 | 6.5% to 7.5% | | Fourth quarter | | Organic sales growth | | $44.3B | ↑6.7%4 | $5.55 to $5.80 | | Full year | | Adjusted diluted EPS | Key business units | Fourth-quarter sales Expanding in the fast-growing pulsed field ablation (P ...

4Q and Full Year 2025 Earnings Presentation January 22, 2026 FORWARD-LOOKING STATEMENTS This presentation and statements by our management may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include, without limitation, statements regarding our acquisition of Sandy Spring Bancorp, Inc. ("Sandy Spring") and expectations with regard to the benefits of the Sandy Spring acquisition, statements rega ...