Financial Performance - Fiscal Year 2025 - Net sales reached $284.2 million, a decrease of 12% compared to FY24[22] - Adjusted EBITDA was $24.4 million, down from $40.2 million in FY24[23] - Adjusted Diluted Net Income per share was $0.92, a decrease of $0.77 from FY24[23] - Wholesale units totaled 2,293, a 24% decrease from FY24[22] - Free cash flow was approximately $29 million[20] Financial Performance - Fourth Quarter 2025 - Net sales increased to $79.5 million, a 46% increase compared to Q4 FY24[25] - Adjusted EBITDA increased to $9.5 million, up $8.0 million from Q4 FY24[25] - Adjusted Diluted Net Income per share increased to $0.40, up $0.36 from Q4 FY24[25] - Wholesale units totaled 570, a 10% increase from Q4 FY24[25] Balance Sheet and Capital Allocation - The company maintains a strong financial position with approximately $79 million in cash and investments and no debt[20] - The company returned nearly $10 million of capital through a share repurchase program[20] FY26 Guidance - The company anticipates net sales between $295 million and $310 million[29] - The company anticipates Adjusted EBITDA between $29 million and $34 million[29] - The company anticipates Adjusted DEPS between $1.15 and $1.40[29]

Financial Performance - Royal Bank of Canada's reported NIAT increased by 21% YoY[9] - Adjusted PPPT grew by 25% YoY[9] - Diluted EPS increased by 21% YoY to $3.75, and adjusted diluted EPS increased by 18% YoY to $3.84[9, 17] - All-bank operating leverage was 8.7%, and the all-bank efficiency ratio was 54.4%[9] - Premium ROE was 17.3% (16.1% YTD), and adjusted ROE was 17.7% (16.5% YTD)[9] Segment Performance - Personal Banking net income increased by 22% YoY to $1.938 billion[9, 17] - Commercial Banking net income increased by 2% YoY to $836 million[9, 17] - Capital Markets revenue reached a record $3.8 billion[9, 48] - Wealth Management client assets experienced YoY growth of 12%[9] Capital and Risk Management - The CET1 ratio stood at 13.2%[9, 21] - Share buybacks amounted to 5.4 million shares for $955 million[9, 21] - ACL to loans ratio was 74 bps[9, 63]

® BioXcel Therapeutics | 555 Long Wharf Drive, 12th Floor | New Haven, CT 06511 | www.bioxceltherapeutics.com Agitation Associated with Bipolar Disorders or Schizophrenia in the At-Home Setting SERENITY At-Home Pivotal Phase 3 Safety Trial Topline Results August 27, 2025 Nasdaq: BTAI Forward-Looking Statements This presentation includes "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe ...

Financial Performance - Net sales increased by 18% to $2,125.1 million in FY25 Q1[1] - Comparable net sales increased by 1%[1] - Adjusted earnings per share increased by 10% to $2.44[1] - Free cash flow was $49.2 million, compared to $67.6 million in the prior year[1] - Adjusted Gross Profit increased 29% to $832.5 million[1] - Adjusted Operating Income increased 35% to $447.9 million[1] Segment Results - U S Retail Coffee net sales were $623.4 million, with no change YoY[8] - U S Retail FH&S net sales were $496.8 million, up 7% YoY[8] - U S Retail Pet Foods net sales were $399.7 million, down 9% YoY[8] - International & AFH net sales decreased 1% to $271.5 million[8] Full Year Fiscal 2025 Outlook - Net sales are expected to increase 8.5% to 9.5%[9] - Adjusted EPS is projected to be $9.60 to $10.00[9] - Free cash flow is estimated at $875 million[9]

Acquisition Overview - Terumo Corporation is acquiring OrganOx Limited for $1.5 billion on a cash-free/debt-free basis[2] - The acquisition is expected to close by the end of FY2025 and will be funded with cash on hand and debt[2] OrganOx Details - OrganOx's revenue in 2024 was $71 million[6] - OrganOx has 199 employees as of June 30, 2025[6] Strategic Rationale - The acquisition addresses the unmet need for transplant organs and enters a high-growth industry[8] - The organ preservation opportunity size is estimated at $1.9 billion with a CAGR of more than 10% from 2023-2028[11] OrganOx Technology - OrganOx's metra allows liver preservation for 12 hours in the U.S and 24 hours in Europe[17] - Utilization rate: 37% of transplantable livers from limited donors are not usable (U.S.)[15] Financial Impact - The acquisition is expected to contribute positively to adjusted operating profit[27] - EPS before amortization of intangible assets is expected to contribute positively from FY2026[27]

Financial Performance - The company's portfolio grew to CHF 2.1 billion[10] - Rental income increased by 38%[10] - Revaluations resulted in gains of CHF 71 million[10] - EBIT reached CHF 95.7 million[10] - NAV per share excluding deferred taxes was CHF 121.69[10] - Gross rental income was CHF 81.3 million[47] Market Trends in Lake Geneva Region - Vacancy rates remain low due to construction lagging behind demand[14] - Strong demand is fueled by demographic trends and immigration[14] - Rental growth is projected to continue, especially in Geneva[14] - Vacancy rates in Vaud and Geneva are declining, standing at 0.89% and 0.34% respectively in Q2 2025[28] Portfolio and Strategy - The property portfolio is valued at CHF 2,124 million, comprising 203 buildings and 3,043 residential units[52] - The company aims for a 1-2% yearly like-for-like rental growth[50]

Business Overview & Strategy - Gjensidige's insurance revenue includes 33% from property, 29% from motor, 21% from accident and health, 4% from liability, 4% from travel, and 9% from other categories[5] - The company aims to consistently enhance customer experience and loyalty through value-adding services, increased interaction frequency, and deeper customer insight[9, 10] - Gjensidige is focusing on key moments across the entire housing journey to tap into the potential of home insurance customers[35] Financial Performance & Targets - Gjensidige's ongoing pricing measures in Norway have resulted in a +14.5% increase in average premium in force for private property insurance as of Q2 2025[13, 17] - The company is targeting a combined ratio of less than 84% in 2025 and less than 82% in 2026[19] - Gjensidige aims for a return on equity greater than 22% in 2025 and greater than 24% in 2026[19] Market Opportunities - The total market revenue from private property insurance is approximately NOK 69 billion in Norway, DKK 64 billion in Denmark, and SEK 60 billion in Sweden[27] - Home seller insurance in Norway amounted to approximately NOK 2 billion in 2024 and is expected to grow to approximately NOK 2.5 billion over time[40] - Change of ownership insurance in Denmark amounted to approximately DKK 0.8 billion in 2024 and is expected to remain stable[40] Climate Risk & Adaptation - Weather-related events (water, fire, wind) cause more than 85% of property damage[78, 89] - The company is adapting to climate change through advanced risk modeling, ensuring the right price level and differentiation through high-precision models[88, 89] - Gjensidige is supporting customers in managing climate risks through AI-driven guidance and tailored solutions[87, 96]

Capturing opportunities in property insurance Sell-side Analyst Meeting in Oslo, 27 August 2025 Disclaimer 2 Introduction Geir Holmgren, CEO Analyst Day 2025 Introduction Today's topic: Private property insurance A significant product with an attractive potential Property 33 % Motor 29 % Accident and health 21 % Liability 4 % Travel 4 % Other 9 % Property Private Property, Commercial + Sweden This presentation contains alternative performance measures (APMs). APMs are described on www.gjensidige.com/investo ...

Financial Performance - Production increased by 4% compared to the first half of 2024, but 2025 production guidance was revised to 9.7 – 10.5 MMboe[24] - Underlying EBITDAX decreased by 25% to US$201 million compared to 1H24[24] - Underlying NPAT decreased by 61% to US$45 million compared to 1H24[24] - The company bought back approximately 9% of issued capital since August 2024[24] - Net debt was US$237.9 million as of June 30, 2025, compared to US$8.8 million at the end of 2024, with liquidity at US$452.1 million[24] - Revenue decreased by 25% from US$409.4 million in 1H24 to US$308.3 million in 1H25[49] Operational Highlights - Baúna Project 2P Reserves increased by 13.7 MMbbl due to revisions and asset life extension[24] - Neon 2C resource increased by 44% and entered the Define Phase in April 2025[24] - FPSO efficiency in 1H25 was 94.5%, up from 85.3% in 1H24[66] - Field life for Baúna was extended from 2032 to 2039[83] Strategic Initiatives - Karoon completed the acquisition of the Baúna FPSO and will operate it, subject to regulatory approvals[24] - The company commenced a farm-down process for 30-50% of Neon[24] - Neon FID is targeted for the second half of 2026[24] - Who Dat East entered the Define Phase, with FID targeted in late 2025/early 2026[24]

27 August 2025 Woolworths Group 2025 Full Year Results For the 52 weeks ended 29 June 2025 Amanda Bardwell, Managing Director and CEO Stephen Harrison, CFO For personal use only Contents We create better experiences together for a better tomorrow 2 Woolworths Group Full Year Results 2025 For personal use only 4 F25 Group summary Amanda Bardwell 19 Group financialresults and capital management Stephen Harrison 30 Strategy update, current trading and outlook Amanda Bardwell Woolworths Group Full Year Results ...