Financial Performance - UBS reported a strong 2Q25 with a net profit of $2.4 billion, and an underlying profit before tax of $2.7 billion, resulting in an underlying RoCET1 of 15.3%[11] - For 1H25, the net profit was $4.1 billion, with an underlying profit before tax of $5.3 billion and an underlying RoCET1 of 13.3%[11] - 2Q25 underlying revenues increased by 8% to $11.6 billion, while underlying operating expenses increased by 3% to $8.8 billion, driving profitability[15] - Total assets reached $1,670 billion in 2Q25, an increase of 8% QoQ and 7% YoY[22] Integration and Cost Savings - Approximately 1/3 of Swiss-booked client accounts have been successfully transferred onto UBS systems, with the aim to migrate the remaining accounts by the end of 1Q26[11] - Cumulative gross cost saves of $9.1 billion have been achieved[11] - The company has achieved approximately 70% of its gross cost save ambition and remains on track to achieve its end-2026 target[19, 20] Business Division Performance - Global Wealth Management (GWM) reported underlying total revenues of $6.156 billion, a 6% increase YoY, and a profit before tax of $1.443 billion, a 24% increase YoY[30, 31] - GWM invested assets reached $4,512 billion, an increase of 7% QoQ[30, 32] - The Investment Bank (IB) reported underlying total revenues of $2.815 billion, a 13% increase YoY, with Global Markets revenues increasing by 26% YoY[39, 40, 41] Capital and Liquidity - The CET1 capital ratio stood at 14.4%[11] - The Liquidity Coverage Ratio (LCR) averaged 182%[24, 26]

JANUARY – JUNE: Q2 2025 INTERIM REPORT IMPORTANT INFORMATION - PLEASE READ THE FOLLOWING BEFORE CONTINUING READING This presentation (the "Presentation") has been prepared by Jumpgate AB ("Jumpgate" or the "Company") and is provided for information purposes only. By attending a meeting where this Presentation is presented or by accessing information contained in or obtained from the Presentation, including by reading this Presentation, you agree to be bound by the following limitations and notifications. Th ...

Financial Performance Highlights - The company achieved a statutory profit after tax of $39.6 million[13], and a cash profit after tax of $52.9 million[13] - Cash earnings per share reached 10.2 cents[13] - A fully franked dividend of 2.00 cents was declared for FY25, representing a 4.8% return to shareholders[13] - The cost-to-income ratio improved to 51.7%, a reduction of 11.2% compared to the prior comparative period[13] - Underlying cash flow was $41.9 million[14] Balance Sheet and Capital Management - Assets Under Management (AUM) grew to $5.5 billion[20], including $0.6 billion in Forward Flow receivables[21] - Full principal repayment of Perpetual Notes amounted to $53.6 million[20], resulting in $7.7 million+ in Perpetual Notes dividend savings in FY26[20] - Unrestricted cash balance was $125.4 million[20] Segment Performance - Commercial segment's assets under management increased by 12.0% to $3.345 billion[43] - Consumer segment's closing loans and advances increased by 6.0% to $2.1523 billion[49] - Corporate segment reported a cash profit after tax loss of $17.2 million[55] Credit Risk Management - Group net loss to Average Net Receivables (ANR) was maintained at a historical low of 1.7%[13], or 1.8% if Forward Flow receivables are disregarded[18] - Commercial net loss to ANR increased to 1.0%[59], while Consumer net loss to ANR decreased by 60bps to 2.7%[59]

Acquisition Highlights - Sompo Holdings will acquire Aspen Insurance Holdings for $3.48 billion (approximately ¥519.5 billion, equivalent to 1.3x PBR)[7, 30] - The acquisition is expected to be completed between January and June 2026, subject to regulatory approval[7] - The acquisition is projected to reduce operating expenses by $200 million by FY2030[9, 12] Strategic Significance - The acquisition expands Sompo's overseas insurance/reinsurance business, making it a top 10 global reinsurance company[7] - Aspen Capital Markets (ACM) will expand fee income with low capital requirements, reducing profit volatility and improving balance sheet flexibility[7, 31, 54] - Gross written premiums in insurance are expected to increase by approximately 20%, from $12.0 billion to $14.7 billion[49] - Gross written premiums in reinsurance are expected to increase by approximately 40%, from $4.5 billion to $6.4 billion[49] Financial Impact - The acquisition is expected to improve the likelihood of achieving mid-term targets for FY2026, including ROE and EPS growth[8, 14] - Adjusted consolidated ROE is expected to increase by approximately 1 percentage point due to the acquisition[15] - Adjusted EPS growth is projected to increase, with a CAGR of +18%[6, 15] - ACM adds approximately $170 million in fee income in 2024[54]

Access the live webcast commencing at 10.00am (AWST) / 12.00pm (AEST) here. 28 August 2025 We mine copper sustainably to energise the future. For personal use only FY25 Financial Results Presentation Important information and disclaimer This presentation has been prepared by Sandfire Resources Limited (ABN 55 105 154 185) (Sandfire or the Company) and contains information about Sandfire current at the date of this presentation. The presentation is in summary form, has not been independently verified and doe ...

Financial Performance - Record sales of $328.9 million were achieved[13] - Net Profit After Tax (NPAT) reached $29.4 million[13] - Gross profit margin was 69.1%[13] - EBITDA was $87.1 million[13] - Cash and cash equivalents totaled $55.2 million[13] Sales and Trade - Total trade sales exceeded $125 million[15,27,67] - Store trade sales increased by 24%[15,67] - Total online sales increased by 11% and now account for 12.3% of total store sales[70] - Online trade sales increased by 29.3% and now account for 14.3% of direct trade sales[70] - Total trade sales have increased to 40% of all relevant sales[15,67] Operational Highlights - 558 new innovative products were designed and developed[15,64] - The company opened new stores at Port Stephens (NSW), Shepparton (VIC), Chatswood (NSW) and Ballina (NSW)[15,64]

Financial Performance - Alcidion achieved a record FY25 revenue of $40.8 million, a 10% increase compared to the prior corresponding period (pcp)[31] - The company's Annual Recurring Revenue (ARR) as of June 30, 2025, reached $28.5 million, up 31% from the previous year[31] - Underlying EBITDA for FY25 was $5.1 million, a significant improvement from the $3.4 million loss in FY24[31] - Alcidion reported positive operating cash flow of $5.8 million in FY25, a substantial turnaround from the $7.1 million loss in FY24[31] - The company's balance sheet shows a strong cash position of $17.7 million as of June 2025[15] Contract Wins and Growth Drivers - New Total Contract Value (TCV) reached $73.8 million, a 109% increase compared to pcp, driven by a milestone $39 million+ EPR contract[31] - Alcidion secured a significant contract with North Cumbria NHS Trust (UK) for a new EPR solution valued at over $39.0 million over 10 years[31, 55] - The company has $34 million in contracted revenue to be recognized in FY26, providing a solid foundation for future growth[31] Strategic Focus and Outlook - Alcidion is focusing on Flow & EPR opportunities, module expansion, adjacent markets, and geographical expansion to drive growth[31] - The company is targeting to be EBITDA positive and deliver positive operating cash flow in FY26[76] - Alcidion is exploring entry into new geographies, including Canada, Saudi Arabia, and UAE[77]

Financial Performance - Sales revenue decreased by 2% from US$843.3 million in 1H 2024 to US$829.7 million in 1H 2025[10] - Gross profit increased by 19% from US$96.3 million in 1H 2024 to US$114.8 million in 1H 2025[10] - Operating profit increased by 12% from US$87.8 million in 1H 2024 to US$98.7 million in 1H 2025[10] - Profit after tax increased significantly by 81% from US$14.0 million in 1H 2024 to US$25.3 million in 1H 2025[10] - Adjusted EBITDA from RKEF decreased by 28% from US$109.0 million in 1H 2024 to US$78.3 million in 1H 2025[10] - Adjusted EBITDA from the mine increased substantially by 76% from US$39.9 million in 1H 2024 to US$70.3 million in 1H 2025[10] - Attributable EBITDA from HPAL increased by 20% from US$22.6 million in 1H 2024 to US$27.1 million in 1H 2025[10] Operational Highlights - RKEF operations saw a slight decrease of 2% in total nickel production, from 63,814 tonnes in 1H 2024 to 62,257 tonnes in 1H 2025[9, 14] - Hengjaya Mine production and sales increased by 90% and 81% respectively compared to the previous corresponding period (pcp)[10, 19] - Limonite mined increased by 121% from 4,177,937 wmt in 1H 2024 to 9,237,715 wmt in 1H 2025[19] - HPAL operations (HNC) nickel production in MHP increased by 2% from 41,172 tonnes in 1H 2024 to 41,934 tonnes in 1H 2025[9, 17] Balance Sheet and Dividends - The company declared a final dividend of A$0.015 per share for the full year 2024 financial result, a 40% decrease from A$0.025 in the previous period[10]

Financial Performance Highlights - Service Revenue increased by 2.2%, driven by Mobile growth[9, 14] - EBITDA increased by 0.9%, including initial costs of regional network expansion[9, 14] - Operating Free Cash Flow (OFCF) increased by 23.6% due to lower capex and working capital impacts[10, 14] - NPAT increased significantly due to EBITDA growth, lower financing costs, and a tax benefit[9, 14] Mobile Business - Mobile subscribers increased by 100,000, driven by market-leading growth post-regional network expansion[9] - Total ARPU increased by 1% to $34.97 in 1H25[23, 24] - Fixed Wireless subscribers increased by 16.2% and now represent 14% of total fixed subscribers[32] Capital Management - Estimated net cash proceeds of $4.7 billion are expected from capital management plans[11] - A capital reduction plan aims to distribute up to $3 billion to shareholders[11] - $1.7 billion of debt was repaid in August, with further repayments planned[11] FY25 Outlook - Targeting FY25 annual dividend of 18 cents per share, same as FY24[10] - FY25 EBITDA guidance (excluding material one-offs) is $1.605 billion to $1.655 billion on a Pro Forma basis[94] - FY25 capital expenditure (excluding spectrum payments) is expected to be approximately $790 million[94]

Business Performance & Strategy - Smartpay has 20,500+ transacting terminals in Australia and 31,000+ terminals in the New Zealand market as of March 31, 2025 [15] - Smartpay's continuing revenue growth reached $104.7 million, with a strong EBITDA of $16.6 million in FY24 [15] - Normalised EBITDA excluding New Zealand pre-investment was $21.5 million in FY24 [15] - Smartpay is focusing on expanding its outbound sales team and target verticals in Australia to grow market share [20] - Smartpay aims to convert 75% of its existing fleet of 31,000+ New Zealand terminals over the next 3 years [55] New Zealand Acquiring - New Zealand acquiring pilot program shows per terminal revenue of approximately $400, 10 times the legacy terminal revenue of $40 [54] - Smartpay is targeting 5,000+ merchants in New Zealand by the end of FY26 [58] - Year to date revenue from New Zealand acquiring is $400k [29] Regulatory Impact - The RBA's preliminary decision on Australian payments review could potentially impact up to 10% downside on Australian revenues if surcharging is banned [49] - New Zealand Commerce Commission's decision to reduce domestic personal credit in-person interchange fees to 0.30% by December 2025 may benefit gross margin [52] Ordinary Resolutions - Resolution 1 regarding fixing the auditor's remuneration was approved with 140,397,299 votes for (57.99% of all securities) [69] - Resolutions 2, 3, 4, 5 and 6 regarding the election and re-election of directors were also approved with a majority of votes [70, 71, 72, 73, 74]