Financial Performance - Revenue from services increased by 145% to $11613 million[42] - Underlying EBITDA increased by 174% to $1258 million[42] - Underlying NPAT increased by 373% to $534 million[42] - Statutory NPAT increased significantly by 3286% to $490 million[42] - Net operating cash flow increased by 213% to $3061 million[42] - Net cash position improved substantially by 1966% to $1925 million[42] Operational Highlights - Mature homes average occupancy increased from 941% to 956%[40, 42] - Average overall star rating improved from 362 to 378[42] - Average care minutes per resident per day increased from 2105 minutes to 2267 minutes[42] Market and Strategy - The company is targeting 10000 beds through acquisitions and developments[103] - The company acquired or is in the process of acquiring approximately 1500 high-quality beds[102, 105] - The company is targeting margin expansion in the future[102, 105]

For personal use only Results Presentation For the full year ended 30 June 2025 Released 25 August 2025 Bendigo and Adelaide Bank Limited ABN 11 068 049 178 For personal use only C2 - Internal Use Only 2 2 Agenda | y | | | | | | | --- | --- | --- | --- | --- | --- | | l n | | | | | | | o e | 01 | 02 | 03 | 04 | 05 | | s | | | | | | | u | | | | | | | l a | Overview | FY25 Results | Strategy Update | Q&A | Summary | | n | | | | | | | o | | | | | | | s r | | | | | | | e | Richard Fennell, Chief Executive Offic ...

Financial Performance - Total assets decreased by 1.4% to $2.6 billion in FY25 compared to FY24[7] - Statutory profit increased by $267.9 million to $26.9 million in FY25[7] - Funds From Operations (FFO) increased by 1.7% to $82.7 million in FY25 from continuing operations[7] - FFO per security increased by 1.7% to 9.26 cents per security (cps) in FY25 from continuing operations[7] - Distribution per security (DPS) remained flat at 8.50 cps in FY25, with 50% fully franked compared to 25% in FY24[7] Portfolio Metrics - Weighted Average Cap Rate (WACR) increased by 27 bps to 6.77% in FY25[7] - Gearing increased by 70 bps to 34.5% in FY25[7] - Net Tangible Assets (NTA) decreased by 2.3% to $1.72 per security in FY25[7] - Occupancy increased by 30 bps to 92.1% on a like-for-like (LFL) basis in FY25[7] - The commercial portfolio's investment property value decreased from $1.885 billion to $1.802 billion, with WACR increasing from 6.50% to 6.77%[25] Operational Highlights - Office LFL rent growth was +4.3%[9] - Retail LFL rent growth was +3.5% with a strong occupancy of 95.5%[9] - ASK (Abacus Storage King) NTA growth was +10.1%, with a $16.8 million equity return on ASK investment, up 4.3%[9] - Income growth from management fees was +13.9%, totaling $19.6 million from Self Storage and Commercial[9]

For personal use only For personal use only For personal use only For personal use only (0.73%) CAGR 0.90% CAGR 0.78% CAGR 0.93% CAGR For personal use only For personal use only For personal use only For personal use only For personal use only For personal use only For personal use only | atn KPIs | FY25 | FY24 | %chg | | --- | --- | --- | --- | | Radio spots inventory ('000) (1) | 1,114 | 1,080 | 3.1% Spots | | Radio sell-out rate (%) (2) | 56% | 60% | (4%) Sell-out | | Average radio spot rate (AUD) (3) | ...

Financial Performance - Total Income decreased by 34% year-on-year, from US$1327 million to US$872 million, due to a 25% reduction in Average Sales Price and a decrease of 436Kt in sales volumes[34, 35] - Underlying EBITDA decreased from US$375 million in 1H 2024 to US$147 million in 1H 2025[10, 34] - Underlying EBITDA Margin decreased from 28% in 1H 2024 to 17% in 1H 2025[34] - Operating Cash Flow decreased from US$209 million in 1H 2024 to US$151 million in 1H 2025[10, 32] - Net Debt increased to US$99 million, compared to a Net Cash position of US$(192) million in 1H 2024[10, 32] Production and Cost - Saleable Production was 65 Mt [10, 25] - FOB Cash Cost was US$89/t [10, 25] - Capital Expenditure was US$36 million [33] Guidance and Outlook - The company reaffirmed its full-year 2025 saleable production guidance of 138 – 144 Mt [40] - The company reaffirmed its full-year 2025 FOB Cash Cost guidance of US$85 - 90/t [40] - The company reaffirmed its full-year 2025 Capital Expenditure guidance of US$80 - 90 million [40, 45]

Financial Performance - Scales Corporation's Underlying EBITDA for 1H25 increased by 43% to $86.7 million, compared to $60.5 million in 1H24[14] - Underlying NPAT for 1H25 rose by 48% to $56.9 million, up from $38.4 million in 1H24[14] - Underlying NPATAS increased significantly by 72% to $48.9 million, compared to $28.5 million in 1H24[14] - The company anticipates Underlying NPATAS to be between $45.0 million and $50.0 million for FY25[14, 67] Divisional Results - Horticulture division experienced exceptional growth, with Underlying EBITDA increasing by 77.4% to $53.2 million in 1H25, compared to $30.0 million in 1H24[14, 23] - Logistics division also showed excellent results, with Underlying EBITDA up by 59.9% to $6.1 million in 1H25, compared to $3.8 million in 1H24[14, 23, 56] - Global Proteins division maintained a steady performance, with Underlying EBITDA at $29.7 million in 1H25, a slight increase of 0.5% from $29.6 million in 1H24[14, 23, 37] Balance Sheet - Net debt decreased to $67.5 million as of June 30, 2025, compared to $81.9 million as of June 30, 2024[25] - Approximately 55% of the Horticulture crop had been sold as of June 30, 2025, compared to 54% as of June 30, 2024[30] - Premium volumes accounted for approximately 75% of total export sale volumes, compared to 72% in 2024[52]

Financial Performance - Gold Fields reported headline earnings of US$1,027 million, a 220% year-over-year increase, equating to US$1.15 per share[71] - Normalised earnings reached US$998 million, up 181% year-over-year, or US$1.12 per share[71] - Adjusted free cash flow was US$952 million, compared to a US$58 million outflow in H1 2024[71] - An interim dividend of 700 South African cents per share was declared, a 133% year-over-year increase[16, 71] - Net debt decreased to US$1,487 million, down from US$2,086 million at the end of December 2024[79] Production and Costs - Attributable gold production was 1,136 koz[7] - All-in Cost (AIC) was US$1,957/oz[7, 24] - Adjusted free cash flow from operations was US$1,143 million[7] - The company is on track to meet its 2025 production guidance of 2.25Moz – 2.45Moz and AIC guidance of US$1,780/oz – US$1,930/oz[24] Asset Performance - South Deep's attributable production increased by 31% to 148 koz, with AIC decreasing by 7% to US$1,770/oz[36] - Salares Norte produced 124 koz eq, with an AIC of US$2,345/oz eq and a free cash flow margin of 32%[7, 52]

Forward-Looking Statements: BJ's Wholesale Club Investor Presentation August 2025 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this presentation that do not relate to matters of historical fact should be considered forward- looking statements, including, without limitation, statements regarding our future results of operations and financial position; our anticipated fiscal 2025 outlook; our membe ...

Financial Performance - ZKH's Q2 2025 net loss narrowed by 193% year-over-year to RMB 535 million, with margin improvement of 477bps[13,37] - The company's product sales (1P) gross margin increased by 452bps year-over-year to 160% on the ZKH platform and by 1376bps to 70% on the GBB platform[13] - Marketplace (3P) take rate increased by 2067bps year-over-year to 142%[13] - Private-label product GMV increased by 25% year-over-year, representing approximately 87% of total GMV[13] Revenue and GMV - In the first half of 2025, net revenues reached RMB 4592 million[18] - In the second quarter of 2025, net revenues reached RMB 2167 million[18] - In 2024, the company's GMV reached RMB 105 billion[7] - Private label GMV reached approximately RMB 700 million in 2024[7] Customer and Infrastructure - The company's customer base exceeded 74000 in Q2 2025, a 535% year-over-year increase[13] - ZKH launched the Taicang Smart Manufacturing Base in June, enhancing capabilities in product R&D, testing, and production[13] International Expansion - In the US, ZKH has approximately 6000 registered clients and approximately 600 SKUs, with revenue increasing by 260% quarter-over-quarter[13]

A Strategic Acquisition in South Korea François Jackow, Chief Executive Officer Jérôme Pelletan, Chief Financial Officer Ronnie Chalmers, Group VP, Head of Asia-Pacific Paris, August 22, 2025 1 A Strategic Acquisition in South Korea - August 22, 2025 A Timely Strategic Growth Acquisition Highly complementary Profitable growth Positioned on growth markets 2 THIS DOCUMENT IS PUBLIC A Strategic Acquisition in South Korea - August 22, 2025 A Timely Strategic Growth Acquisition Positioned on growth markets Korea ...