Confidential and proprietary information © 2023 Navient Solutions, LLC. All rights reserved. 1 2 Federal Education Loans Business Processing Solutions Federally guaranteed loans • Seasoned Private Education Loan Portfolio Strategic Imperatives Continuously simplify the business and increase efficiency Enhance the value of our growth businesses • Continuously strengthening our control environment Federal Education Loans – Overview • FFELP portfolio of $41 billion 5-Year Projected Annual FFELP Cash Flows 1 - ...

公司业务 - 公司提供技术支持的教育金融和业务处理解决方案，帮助数百万人取得成功[10] - 公司通过净利息收入和服务相关费用收入实现收入[30] - 公司通过私人教育贷款组合实现主要收入[31] - 公司提供数字工具帮助学生和家庭找到助学金和奖学金[32] - 公司相信在发放私人教育贷款方面存在有意义的增长机会[32] - 公司在中国市场取得了iPhone销售收入纪录[110] 财务表现 - 第二季度2023年，GAAP净收入为6600万美元，较去年同期的1.8亿美元下降[37] - 第二季度2023年，核心收益净收入为8800万美元，较去年同期的1.34亿美元下降[38] - 第二季度2023年，联邦教育贷款部门净收入为7600万美元，净利率为0.97%[39] - 第二季度2023年，消费信贷部门净收入为7500万美元，净利率为2.97%，发放了1.97亿美元的私人教育贷款[40] - 第二季度2023年，业务处理部门收入为8300万美元，净收入为600万美元，EBITDA为800万美元[41] - 2023年前两个季度，净利息收入减少2.45亿美元，主要是由于公平价值对冲减少、教育贷款减少和利率上升[56] - 2023年前两个季度，贷款损失减少3.7亿美元，主要是由于FFELP和私人教育贷款减少和利率上升[57] 资产情况 - 公司的未偿债务总额为1,431亿美元，较2022年底的1,658亿美元有所下降[106] - 公司的FFELP贷款和私人教育再融资贷款的未受限制现金和流动性投资总额为69亿美元和45亿美元[106] - 公司的有形权益为22亿美元，较2022年12月31日的23亿美元略有下降[107] - 公司的无抵押资产中，私人教育贷款的净资产为1.8亿美元，较2022年12月31日的1.5亿美元有所增加[107] - 公司的无抵押资产中，联邦家庭教育贷款的净资产为3.5亿美元，较2022年12月31日的3.7亿美元有所减少[107] 风险管理 - 公司通过评估特定风险特征，将关键信用质量指标纳入贷款减值准备金计算[169] - 公司进行了利率敏感性分析，显示了在未来12个月内，市场利率上升或下降100个基点对收益和资产负债表资产和负债价值的潜在影响[135] - 公司资产和负债（资金）按基础指数排列，展示了公司在利率风险方面的敞口，包括基差风险和再定价风险[140]

Navient Corporation (NASDAQ:NAVI) Q2 2023 Earnings Conference Call July 26, 2023 8:00 AM ET Company Participants Jen Earyes - VP, IR Dave Yowan - CEO Joe Fisher - CFO Conference Call Participants Bill Ryan - Seaport Research Partners Jeff Adelson - Morgan Stanley Rick Shane - JPMorgan Sanjay Sakhrani - KBW Giuliano Bologna - Compass Point Operator Good day. And thank you for standing by. Welcome to the Navient Second Quarter 2023 Earnings Call. At this time, all participants are in listen-only mode. After ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-36228 Navient Corporation (Exact name of registrant as specified in its charter) Delaware 46-4054283 (State or other jurisdicti ...

Shared services are related to the management of the entire company or shared by multiple reporting segments Notes on Non-GAAP Financial Measures (Dollars in Millions) Confidential and proprietary information © 2023 Navient Solutions, LLC. All rights reserved. 16 5. Earnings before Interest, Taxes, Depreciation and Amortization Expense ("EBITDA") – This metric measures the operating performance of the Business Processing segment and is used by management and our equity investors to monitor operating perform ...

Navient Corporation (NASDAQ:NAVI) Q1 2023 Earnings Conference Call April 26, 2023 8:00 AM ET Company Participants Jen Earyes - Head of Investor Relations Jack Remondi - President and Chief Executive Officer Joe Fisher - Executive Vice President and Chief Financial Officer Conference Call Participants Mark DeVries - Barclays John Hecht - Jefferies Arren Cyganovich - Citi Moshe Orenbuch - Credit Suisse Bill Ryan - Seaport Research Partners Giuliano Bologna - Compass Point Jeff Adelson - Morgan Stanley Rick S ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36228 Navient Corporation (Exact Name of Registrant as Specified in Its Charter) Delaware 46-4054283 (State or Other Jurisdiction of ...

Navient Corporation (NASDAQ:NAVI) Q4 2022 Earnings Conference Call January 25, 2023 8:00 AM ET Company Participants Jennifer Earyes - Head of Investor Relations Jack Remondi - President and Chief Executive Officer Joe Fisher - Executive Vice President and Chief Financial Officer Conference Call Participants William Ryan - Seaport Research Partners Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc. Mark DeVries - Barclays Bank PLC Moshe Orenbuch - Credit Suisse Richard Shane - JPMorgan Chase & Co. Giuliano And ...

Confidential and proprietary information © 2023 Navient Solutions, LLC. All rights reserved. 3 The company could also be affected by, among other things: Federal Education Loans Segment Selected Financial Information and Ratios January 25, 2023 The following information is current as of December 31, 2022 (unless otherwise noted) and should be read in connection with Navient Corporation's "Navient" Annual Report on Form 10-K for the year end December 31, 2021 (the "2021 Form 10-K"), filed by Navient with the ...

NAVIENT 2022 3rd Quarter Earnings Call Presentation October 26, 2022 Forward-Looking Statements; Non-GAAP Financial Measures The following information is current as of September 30, 2022 (unless otherwise noted) and should be read in connection with Navient Corporation's "Navient" Annual Report on Form 10-K for the year end December 31, 2021 (the "2021 Form 10-K"), filed by Navient with the Securities and Exchange Commission (the "SEC") on February 25, 2022 and subsequent reports filed by Navient with the S ...