业绩总结 - 2025年第三季度的每股账面价值（不包括AOCI）为16.47美元[19] - 2025年第三季度的运营净收益每股为0.72美元，年初至今为1.89美元[19] - 2025年第三季度的毛保费收入增长26%[19] - 2025年第三季度的总保费收入为872百万美元，同比增长26%[61] - 2025年前九个月的总保费收入为2,792百万美元，同比增长16%[67] - 2025年前九个月的运营每股收益为1.89美元，同比增长34%[67] - 2025年第三季度的运营净收入同比增长42%[26] - 2025年第三季度的服务收入为5900万美元，同比增长22%[124] 用户数据 - 2025年第三季度的意外与健康保险业务贡献了超过50%的增长[47] - 2025年第三季度的MGA（管理一般代理）业务中，超过90%的保费来自与公司有3年以上关系的合作伙伴[54] 未来展望 - 2025年目标的股东回报率（ROE）为12-15%，截至2025年9月的9个月内实现了9%的ROE[22] - 预计FY 25净投资收入将在2.65亿至2.75亿美元之间[101] - 预计在2025年第四季度通过出售100%股权的Armada获得约1.8亿美元的税后收益[124] - 预计在2026年第一季度通过出售49%股权的Arcadian获得2500万至3000万美元的税后收益[124] 新产品和新技术研发 - 2025年预计将解锁约1.8亿美元的资产价值[58] 市场扩张和并购 - 公司已同意以3.89亿美元出售两家MGAs，预计交易完成后将增加每股账面价值1.75美元[19] - 资本结构高度多样化，Q3'25的总资本为29亿美元，其中股本为22亿美元[106] 负面信息 - 2025年第三季度的投资总收益为73百万美元，同比下降21.5%[61] - 2025年第三季度的净投资收入为6700万美元，较去年同期下降，主要由于资产基数降低[101] - 2025年第三季度的普通股东权益总额为20.099亿美元，较2024年同期的24.949亿美元下降19.5%[121] 其他新策略和有价值的信息 - 公司在2025年获得了S&P的评级展望从“稳定”上调至“积极”，这是2025年的第三次上调[19] - 2025年累计股东总回报（TSR）达到132%[23] - 2025年累计股东总回报（TSR）达到228%[24] - 2025年第三季度的核心综合比率为89.1%[41] - 2025年第三季度的合并比率波动性在所有同行中处于最低波动四分位[38] - 2025年第三季度的服务利润率为17.1%，较去年同期增长3个百分点[124]

10月30日晚间，兴业银行发布2025年第三季度报告，该行前三季度实现营业收入1612.34亿元，同比下 降1.82%；归属于母公司股东的净利润630.83亿元，同比增长0.12%。第三季度实现营业收入507.76亿 元，同比下降0.78%；归属于母公司股东的净利润199.42亿元，同比下降0.08%。 截至2025年9月末，兴业银行不良贷款率为1.08%，较上年末上升0.01个百分点，关注类贷款率1.67%， 较上年末下降0.04个百分点。报告指出，该行对公房地产、信用卡新发生不良均同比回落，地方政府融 资平台资产质量保持稳定。 对公地产、信用卡不良回落 资产质量方面，截至报告期末，不良贷款余额 645.60 亿元，较上年末增加 30.83 亿元；不良贷款率 1.08%，较上年末上升 0.01 个百分点。关注类贷款率 1.67%，较上年末下降 0.04 个百分点。计提资产减 值损失 423.13 亿元， 同比下降 11.30%；拨备覆盖率 227.81%，较上年末下降 9.97 个百分点。 | 非利息净收入 | 13,572 | (6.26) | 50, 275 | (4. 47) | | --- | -- ...

ADF Group (OTCPK:ADFJ.F) M&A Announcement October 29, 2025 10:00 AM ET Speaker3Good morning, ladies and gentlemen, and welcome to the ADF Group Inc. presentation for acquisition of Groupe Lahr. At this time, all participant lines are in a listen-only mode. Following the presentation, we will conduct a question-and-answer session. If at any time during this call you require immediate assistance, please press *0 for the operator. Also note that this call is being recorded on Wednesday, October 29, 2025. Now I ...

Mr. Mavroudis is a professional portfolio manager specializing in institutional and private portfolios. He focuses on risk management, which is accompanied by in-depth financial market analysis (fundamental, macro and technical) to control the risk undertaken by the portfolios. He invests in all financial instruments globally (stocks, bonds, fx, commodities), restructuring investment portfolios based on prevailing conditions and the needs of each client-investor. Mr. Mavroudis has successfully navigated all ...

Mr. Mavroudis is a professional portfolio manager specializing in institutional and private portfolios. He focuses on risk management, which is accompanied by in-depth financial market analysis (fundamental, macro and technical) to control the risk undertaken by the portfolios. He invests in all financial instruments globally (stocks, bonds, fx, commodities), restructuring investment portfolios based on prevailing conditions and the needs of each client-investor. Mr. Mavroudis has successfully navigated all ...

EnglishItalianoEspañolPortuguêsDeutschالعربيةFrançaisImportant DisclaimersThe content provided on the website includes general news and publications, our personal analysis and opinions, and contents provided by third parties, which are intended for educational and research purposes only. It does not constitute, and should not be read as, any recommendation or advice to take any action whatsoever, including to make any investment or buy any product. When making any financial decision, you should perform your ...

CHICAGO, Oct. 29, 2025 (GLOBE NEWSWIRE) -- Marquette National Corporation (OTCQX: MNAT) today reported year-to-date net income of $10.3 million compared to net income of $14.2 million for the first nine months of 2024. Earnings per share for the first nine months of 2025 were $2.37, as compared to income of $3.25 per share for the comparable period in 2024. At September 30, 2025, total assets were $2.25 billion, an increase of $41 million, or 2%, compared to $2.21 billion at December 31, 2024. Total loans i ...

EnglishItalianoEspañolPortuguêsDeutschالعربيةFrançaisImportant DisclaimersThe content provided on the website includes general news and publications, our personal analysis and opinions, and contents provided by third parties, which are intended for educational and research purposes only. It does not constitute, and should not be read as, any recommendation or advice to take any action whatsoever, including to make any investment or buy any product. When making any financial decision, you should perform your ...

中國銀行股份有限公司 2025年第三季度 第三支柱信息披露報告 目錄 | 1 | 引言 | | 2 | | --- | --- | --- | --- | | | 1.1 | 披露依據 | 2 | | | 1.2 | 披露聲明 | 2 | | 2 | | 風險管理、關鍵審慎監管指標和風險加權資產概覽 | 3 | | | 2.1 | KM1：監管併表關鍵審慎監管指標 | 3 | | | 2.2 | KM2：關鍵審慎監管指標－處置集團的總損失吸收能力 | 5 | | | | 監管要求 | | | | 2.3 | OV1：風險加權資產概況 | 6 | | 3 | | 宏觀審慎監管措施 | 8 | | 4 | 槓桿率 | | 9 | | | 4.1 | LR1：槓桿率監管項目與相關會計項目的差異 | 9 | | | 4.2 | LR2：槓桿率 | 10 | | 5 | 流動性風險 | | 12 | | | 5.1 | LIQ1：流動性覆蓋率 | 12 | 1 1 引言 1.1 披露依據 本報告根據國家金融監督管理總局令2023 年第4 號《商業銀行資本管理辦 法》編製並披露。 2014年4月，本集團正式獲准實施資本計 ...

The balance here is that the longer you wait to take Social Security, the more you will likely have to draw on your IRA to replace that income. This will reduce your overall principal. However, in trade, the longer you wait the higher your lifetime benefits will be. For comparison, let's assume a retirement until age 95 (33 years). Here is how much money you would withdraw from your IRA to generate an $80,000 annual income, based on taking benefits at age 62, 67 and 70. (Don't worry that this is a lot more ...