Group Performance and Targets - Zurich is on track to deliver its 2025-2027 targets through disciplined strategy execution[99] - The company targets a Core EPS CAGR of >9% and a Core ROE of >23%[9] - Zurich aims for cash remittances >USD 19 billion cumulatively[9] - The estimated Swiss Solvency Test (SST) ratio has a floor of 160%[9] Business Segment Strategies and Growth - Middle Market GWP is targeted to be >USD 10 billion in FY-27[9] - The company aims to grow Life Protection GWP by 8% CAGR[9] - Farmers Exchanges are expected to continue transformation enabling sustainable growth[9] - Farmers Exchanges' available capital is up ~79% and surplus ratio at ~51%[238] Retail Business - The Retail franchise is on track to return to its long-term level of profitability while accelerating top-line growth[7] - Retail GWP grew 16% in 9M-25[57] - Zurich Santander's BOP has consistently outgrown the market by >7ppts annually[205] Specialty Business - Zurich's FY-24 GWP in Specialty was USD 9.4 billion[27] - The company is building industry leadership in Specialty through underwriting rigor and portfolio strength[24]

1 8 N o v e m b e r 2 0 2 5 Disclaimer This presentation contains forward-looking statements regarding Crédit Agricole S.A. and the Crédit Agricole Group, including market trends. Such information may encompass financial projections, underlying assumptions on which these projections are based, statements concerning projects, objectives and expectations related to future transactions, products and services, as well as considerations regarding future performance. These elements are derived from scenarios buil ...

CLOSING GAPS OUR VISION 2030 Armin Papperger, CEO CAPITAL MARKETS DAY – 18. November 2025 © Rheinmetall AG I 25. September 2025 CLOSING GAPS Expansion is the common denominator Expansion across the portfolio ▪ Vehicle Systems ▪ Weapon and Ammunition ▪ Air Defence ▪ Digital ▪ Naval Expansion into ▪ Air ▪ Space ▪ Naval Become the largest European fighting force ▪ ReBuild ▪ ReArm ▪ ReEquip Dramatic spending increase ▪ NATO target of 5%* by 2035 ▪ Germany 3.5% by 2029 30 years underspending Capabilities Capacit ...

Financial Performance & Forecasts - SMFG raised its full-year net income forecast by JPY 200 billion to JPY 15 trillion, a 27% YoY increase[5] - Net income for 1H FY3/26 increased by JPY 2083 billion, a 28% YoY increase, reaching JPY 9335 billion[6, 15] - The company expects ROE to reach 10%, achieving the FY3/29 target ahead of schedule[3] - Gross profit for 1H FY3/26 was JPY 22988 billion, up JPY 2535 billion YoY[6, 15] - Net business profit for 1H FY3/26 was JPY 11481 billion, up JPY 2298 billion YoY[6, 15] Shareholder Returns - The company increased the dividend to JPY 157 per share, a YoY increase of JPY 21 or 35%[3, 12] - SMFG resolved to implement an additional JPY 150 billion in share buybacks, bringing the total to JPY 250 billion[3, 11, 12] Business Unit Performance - Retail business unit's net income increased by JPY 443 billion[87] - Wholesale business unit's net business profit increased by JPY 972 billion[87] - Global business unit's net income increased by JPY 444 billion[92] Balance Sheet & Capital - Domestic loans increased by 9% YoY and deposits increased by 2% YoY[45, 49] - The company is tracking toward a JPY 600 billion reduction in equity holdings over five years[71, 72]

Innovation & Operational Efficiency JOEY WAT CHIEF EXECUTIVE OFFICER Cautionary Statements 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. We intend all forward-looking statements to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements generally can be identified by the fact that the ...

FY2025 1H Financial Results Summary | FX rate | End Sep | End Mar | End Sep | | --- | --- | --- | --- | | | 2024 | 2025 | 2025 | | USD/JPY | 142.73 | 149.52 | 148.88 | Financial Highlights under Japanese GAAP for 1st Half of the Fiscal Year Ending March 31, 2026 November 14, 2025 Mitsubishi UFJ Financial Group Breakdown of Changes in NOP*2 Breakdown of Changes in Net Income All references in this presentation to "KS impact" refer to the effects of notes *1 1,274.8 R&D +8.2 CWM +47.6 JCIB +10.5 AM/IS +9.4 GC ...

IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solicitation of an offer to buy any securities. In addition, this d ...

Investor Presentation November 2025 3Q2025 Disclaimer This presentation contains forward-looking statements. Forward-looking statements are not historical facts or statements of current conditions but instead represent only the Company's beliefs regarding future events and performance, many of which, by their nature, are inherently uncertain and outside of the Company's control. These forward-looking statements reflect the Company's current views with respect to, among other things, the Company's financial ...

Company Overview - LifeMD operates a comprehensive virtual healthcare platform, conducting 130万 virtual consults and serving 31万 active patients[7] - The company provides an end-to-end, compliance-first platform for direct-to-consumer virtual primary care[7] - LifeMD has a $170 billion total addressable market in the U S primary care market[12, 13] Financial Performance and Guidance - LifeMD projects revenue between $192 million and $193 million for 2025[7] - The company anticipates $14 million of Adjusted EBITDA in 2025 and has no debt[10] - Telehealth revenue is expected to grow +24% to +25% from $154.8 million in 2024 to $192-$193 million in 2025[42] - Telehealth Adjusted EBITDA is projected to increase +229% to +254% from $4.1 million in 2024 to $13.5-$14.5 million in 2025[42] - The company's core telehealth business is experiencing rapid and sustainable profitability growth[38] - LifeMD's products and services generate high consolidated gross margins of 85%+[10, 46] Strategic Focus and Growth - LifeMD's strategy focuses on scaling high-value revenue streams, including weight management/GLP-1 offerings, behavioral and women's health, and commercial health insurance[30] - The company aims for 30%+ YoY revenue growth with ~25% Adjusted EBITDA margins[31] - LifeMD is building long-term partnerships with employers, life science companies, and other digital health partners[30]

Investor Day November 2025 Agenda Slide | 1 | Business Overview & Key Investment Highlights | | --- | --- | | 2 | How Organ Transplantation Works | | 3 | Logistics Services | | 4 | Organ Recovery Clinical Services | | 5 | Organ Placement Services | | 6 | Cardiac Care Clinical Services | | 7 | Regulatory Update | | 8 | Technology | | 9 | Unit Economics & Contract Structure | | 10 | Financial Performance and Outlook | | 11 | Q&A 2 | FORWARD LOOKING STATEMENTS This presentation contains "forward-looking statem ...