2026 Market and Backlog January 21, 2026 Safe Harbor Statement Certain statements and projections contained in this presentation are, by their nature, forward- looking within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on our current expectations, estimates and projections about our industry and business, management's beliefs, and certain assumptions made by us, all of which are subject to change. Forward-looking statements can often be ide ...

INVESTOR CALL 4Q 2025 January 21, 2026, 10:00am ET 1 DISCLOSURES Forward-Looking Statements This presentation may contain statements that are based on management's current estimates or expectations of future events or future results, and that may be deemed to constitute forward-looking statements as defined under the Private Securities Litigation Reform Act of 1995. These statements on SmartFinancial Inc.'s ("SmartFinancial") business and financial results and conditions, are not historical in nature and ca ...

4th Quarter 2025 Financial Review The tax-equivalent adjustment to net interest income and net interest margin recognizes the income tax savings when comparing taxable and tax-exempt assets. Interest income and yields on tax-exempt securities and loans are presented using the current federal income tax rate of 21%. Management believes that it is standard practice in the banking industry to present net interest income and net interest margin on a fully tax-equivalent basis and that it may enhance comparabili ...

Nevada County INVESTOR PRESENTATION UPDATED THROUGH DECEMBER 31, 2025 1 Forward Looking Statements Disclaimer The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. There can be no assurance that future develo ...

4Q 2025 Investor Presentation Contents | | Page | | --- | --- | | Disclosure | 2 | | Performance Metrics | 3 | | Differentiating Factors | 7 | | Loans and Deposits | 12 | | Modern Banking in Motion Digital Transformation | 21 | | Selected Financial Information and Guidance | 24 | 1 Disclosure This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward- looking statements include but are not limited to the Company's f ...

4Q 2025 - Financial Results This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the current views of BankUnited, Inc. ("BankUnited," "BKU" or the "Company") with respect to, among other things, future events and financial performance, dividend payments and stock repurchases. The Company generally identifies forward-looking statements by terminology such as "outlook," "believes," "expects," "potential," "continues," "ma ...

Ally Financial Inc. 4Q 2025 Earnings Review January 21, 2026 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com 4Q 2025 Preliminary Results Forward-Looking Statements and Additional Information 2 4Q 2025 Preliminary Results GAAP and Core Results: Quarterly | | | | | | Quarterly Trend | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | ($ millions, except per share data) | 4Q 25 | | 3Q 25 | | 2Q 25 | | | 1Q 25 | 4Q 24 | | | GAAP net income (loss) at ...

Q3FY26 RESULTS UPDATE Dr. Reddy's 1 | September 2025 | Investor Presentation | As per consolidated financial statements under IFRS Safe Harbor Statement Dr. Reddy's •·· ~;• 21 JANUARY 2026 This presentation contains forward-looking statements and information that involve risks, uncertainties and assumptions. Forward-looking statements are all statements that concern plans, objectives, goals, strategies, future events or performance and underlying assumptions and other statements that are other than statemen ...

FOURTH QUARTER 2025 RESULTS January 21, 2026 LONG-TERM FINANCIAL STRATEGY Meaningful and sustainable competitive advantages Generation of top-tier earnings and capital substantially in excess of growth needs Balanced approach to rightsizing capital and growing book value per share over time CREATE SHAREHOLDER VALUE Objective: Mid–Teens Core ROE Over Time 2 FOURTH QUARTER 2025 OVERVIEW Fourth Quarter 2025 Net Income per Diluted Share of $11.06, up 23%, and Core Income per Diluted Share of $11.13, up 22% Full ...

4Q25 Financial Results January 21, 2026 Forward-looking statements and use of non-GAAP financial measures This document, contains forward-looking statements within the nearing of the Private Securities Libration Reform Act of 1995. Any statement Ltatchical or current tractis i lobving statement. These statements often include the words "believes," "extimates, "intendes, "intends," "plans," "pans," "argets, " intitatives, " probably, "projects, "o l"guidance" or similar expressions or future conditional verb ...