Financial Earnings Results Third Quarter 2024 October 21, 2024 Forward Looking Statements This presentation contains forward-looking statements about Cathay General Bancorp and its subsidiaries (collectively referred to herein as the "Company," "we," "us," or "our") within the meaning of the applicable provisions of the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe harbor provision for forward-looking statements in these provisions. Sta ...

| --- | --- | --- | |-------|-------|-------| | | | | | | | | 2 Third Quarter 2024 Results Presentation | October 21, 2024 Safe Harbor Statement During this presentation we will make forward-looking statements which are predictions, projections, or other statements about future events. These statements are based on current expectations, forecasts, and assumptions that are subject to risks and uncertainties that could cause actual results and outcomes to materially differ. Additional information regarding th ...

HDFC BANK Q2FY25 Earnings Presentation October 19, 2024 Key performance metrics for Q2 FY25 | --- | --- | --- | |-------|-------|---------------------------------------------------------------------------------------------| | | | | | | ➢ | Deposits; average YoY ↑ ₹ 3.15 tn (15.5%) ; EOP YoY ↑ ₹ 3.27 tn (15.1%) | | | | ✓ Average deposits QoQ ↑ ₹ 0.71 tn (3.1%) ; EOP QoQ ↑ ₹ 1.21 tn (5.1%) | | | | ✓ Average CASA QoQ ↓ ₹ 0.02 tn ( ↓ 0.3%) ; EOP QoQ ↑ ₹ 0.20 tn (2.3%) | | | | ✓ Average time deposits QoQ ↑ ₹ 0.7 ...

X DYNEX CAPITAL INC. Third Quarter 2024 Earnings Presentation October 21, 2024 Safe Harbor Statement NOTE: This presentation contains certain statements that are not historical facts and that constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Statements in this presentation addressing expectations, assumptions, beliefs, projections, estimates, future plans, strategies, and events, developments that we expect or anticipate will occur in the fut ...

Nasdaq: SFNC3rd Quarter 2024 Earnings Presentation Contents 3 Company Profile 4 3Q24 Financial Highlights 11 Deposits, Securities, Liquidity, Interest Rate Sensitivity and Capital 18 Loan Portfolio 24 Credit Quality 28 Appendix Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements. Certain statements by Simmons First National Corporation (the "Company", which where appropriate includes the Company's wholly-owned banking subsidiary, Simmons Bank) contained in this presentation ...

| --- | --- | --- | --- | |-------|-------|-------------------------------------|-------| | | | | | | | | | | | | | | | | | | EARNINGS RELEASE Q1 FY 2025 RESULTS | | | | | October 18, 2024 | | | | | | | STRATEGY & FOCUS AREAS INTEGRATED GROWTH STRATEGY SUPERIORITY TO WIN WITH CONSUMERS PRODUCTIVITY TO FUEL INVESTMENTS ORGANIZATION EMPOWERED • AGILE ACCOUNTABLE PORTFOLIO PERFORMANCE DRIVES BRAND CHOICE CONSTRUCTIVE DISRUPTION ACROSS OUR BUSINESS AREAS OF FOCUS ENVIRONMENTAL SUSTAINABILITY DIGITAL ACUMEN EMPL ...

财务表现 - 公司在2024年第三季度实现了净利润357亿美元，较上一季度的294亿美元有所增长[16][16][16] - 3Q 2024 GAAP净收入归属于普通股股东为3.3亿美元，核心净收入归属于普通股股东为2.95亿美元[7][7][7] - 3Q 2024 GAAP每股收益为1.06美元，调整后每股收益为0.95美元[7][7][7] - 3Q 2024 GAAP总净收入为21.03亿美元，调整后总净收入为20.58亿美元[7][7][7] - 3Q 2024净融资收入为14.88亿美元，较上季度减少7亿美元，较去年同期减少45亿美元[15][15][15] - 3Q 2024核心OID为14亿美元，其他收入为6.15亿美元[15][15][15] 贷款和资产负债表 - 零售汽车贷款（不包括对冲）的平均余额为83574亿美元，收益率为8.99%[17][17] - 公司的资产负债表显示，截至2024年第三季度，收益资产为1837.89亿美元，净利差为7.30%[18][18] - 公司的核心OID为759亿美元，税后净利差为7.53%[19][19] - 公司资产质量指标显示，2024年第三季度零售汽车净冲销为467亿美元，较上一季度的435亿美元有所增长[26][26] - 零售汽车贷款的覆盖率为3.80%，整体覆盖率为2.69%，较上一季度分别提高了15个基点和12个基点[29][29] 业务展望 - 零售汽车贷款发放额在2024年第三季度达到110亿美元，较去年同期增长40%[34][34] - 电动汽车租赁合同持续增长，2024年第三季度消费者电动汽车发放额达到11亿美元[40][40] - 公司全年展望：净利息差约为3.20%，调整后其他收入增长约12%，零售汽车净信贷亏损率为2.25%-2.30%，综合净信贷亏损率为1.50%-1.55%[52][52] 其他信息 - 公司信用评级为Fitch：LT债务BBB-，Moody's：Baa3，S&P：BBB-，DBRS：BBB[59][59] - 公司在2024年第三季度的总资产为4160亿美元，较去年同期减少113.2亿美元[60][60] - 公司的贷款存款比率为98%，总可用流动性为数百亿美元[63][63]

财务业绩 - 美国运通2024年第三季度净收入为2,507亿美元，同比增长2%[2] - 每股稀释收益为3.49美元，同比增长6%[2] - 调整后的每股收益同比增长20%[2] - 美国运通总营收净利息支出后为16,636亿美元，同比增长8%[2] - 第三季度折扣收入同比增长4%[56] - 第三季度净卡费同比增长18%[56] - 第三季度净利息收入同比增长16%[56] - Q3'24公司的净利息收入为40.06亿美元，较Q3'23增长16.4%[66] - Q3'24公司调整后的净利息收入为40.06亿美元，较Q3'23增长16.7%[66] - Q3'24公司的净利息收入占平均持卡人贷款的比例为12.0%[66] 业务增长 - 美国消费者服务账单业务同比增长15%[5] - 第三季度G&S账单业务同比增长6%[6] - 第三季度T&E账单业务同比增长6%[6] - 美国中小企业账单业务同比增长1%[8] - 国际消费者服务账单业务同比增长13%[9] - 国际G&S账单业务同比增长14%[10] - 美国大型和全球公司的总计计费业务同比增长1%[54] - 国际消费者的总计计费业务同比增长14%[54] - 国际中小企业和大型公司的总计计费业务同比增长13%[54] 其他信息 - Q3'24公司的调整后净利息收入占平均持卡人贷款的比例为12.0%[66]

| --- | --- | |-------------------------|-------| | | | | Earnings Presentation | | | Third Quarter 2024 | | | October 18, 2024 | | | | | Cautionary Statement Regarding Forward-Looking Information This document may contain statements regarding F.N.B. Corporation's outlook for earnings, revenues, expenses, tax rates, capital and liquidity levels and ratios, asset quality levels, financial position and other matters regarding or affecting our current or future business and operations. These statements can be ...

业绩总结 - FY24净销售额为590.6亿美元，较去年同期增长10%[13] - FY24毛利率为53.4%，较去年同期增加240个基点[13] - FY24营业收入为96.4亿美元，较去年同期增长7%[13] - FY24净利润为69.6亿美元，较去年同期增长6%[13] - FY24每股收益（摊薄）为5.11美元，较去年同期增长6%[13] - WD-40公司在FY24年实现净销售额566.7美元，同比增长11%[44] - FY24年毛利率为53.9%，较去年同期增加220个基点[44] - FY24年调整后的每股收益为4.74美元，同比增长7%[44] - WD-40公司预计FY25年销售增长率在6%至11%之间[47] - FY24年净销售额为590.6美元，较去年同期增长10%[58] - FY24年毛利率为53.4%，较去年同期增加240个基点[58] - FY24年调整后的每股收益为5.11美元，同比增长6%[58] 用户数据 - 在FY24年，91%的净销售增长来自销售量的增加[56] 新产品和新技术研发 - FY24年净销售额为5.37255亿美元，较上一年的5.37255亿美元增长，净利润为6.5993亿美元[84] 市场扩张和并购 - 上市公司在2024年8月31日的净销售额为590,557美元[86] 负面信息 - 非GAAP下，FY24营业成本为5.8568亿美元，较上一年的4.7542亿美元增长，占净销售额的比例分别为38%和34%[71]