Earnings Presentation Q3 2025 November 5, 2025 2025 DigitalOcean. All rights reserved 1 Safe Harbor The statements in the presentation regarding our financial outlook are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are subject to known and unknown risks, uncertainties, assumptions, and other factors that may cause actual results or outcomes to be materially different from any f ...

业绩总结 - 2025年第三季度，公司经常性管理结果为119亿雷亚尔，同比增长11.3%[3] - 2025年第三季度，运营收入为465.67亿雷亚尔，同比增长9.1%[37] - 2025年第三季度，金融管理利润为313.82亿雷亚尔，同比增长10.1%[37] - 2025年第三季度，税前收入为171.16亿雷亚尔，同比增长10.6%[37] - 2025年9个月的运营收入为1360亿雷亚尔，同比增长9.7%[38] - 2025年9个月的金融管理利润为929亿雷亚尔，同比增长11.5%[38] - 2025年9个月的ROE（经常性管理）为22.9%，较2024年同期上升0.7个百分点[38] 用户数据 - 2025年第三季度，个人贷款组合为456亿雷亚尔，同比增长6.5%[6] - 2025年第三季度，信用卡贷款为142.2亿雷亚尔，同比增长6.7%[6] - 截至2025年9月，信贷组合为140.2亿雷亚尔，较2025年6月增长0.9%[4] - 2025年第三季度，公司的市场份额在抵押贷款中为47%[6] 财务指标 - 2025年第三季度，公司的股本充足率（CET I）为13.5%，较2025年6月增加0.4个百分点[3] - 2025年第三季度，不良贷款率（NPL）为1.9%，与2025年6月持平[5] - 2025年第三季度，信贷成本为91.1亿雷亚尔，较2024年第三季度增长10.9%[37] - 2025年第三季度，预期损失费用为97.8亿雷亚尔，同比增长9.5%[37] - 2025年第三季度，非利息支出为171.5亿雷亚尔，同比增长4.0%[37] - 2025年第三季度，佣金和费用收入为118亿雷亚尔，同比增长7%[13] - 2025年9个月的信用成本为272亿雷亚尔，较2024年同期增加5.0%[38] - 2025年9个月的非利息及其他费用为585亿雷亚尔，同比下降1.0%[38] 保险与养老金 - 2025年第三季度，保险和养老金计划的保费收入增长14.0%[13] - 2025年9个月的保险收入为96亿雷亚尔，同比增长14.3%[38] 其他信息 - 2025年第三季度，公司出售了价值7100万雷亚尔的低回收概率贷款，影响企业比率0.02个百分点[16] - 2025年第三季度，公司的有效税率在28.5%到30.5%之间[33] - 2025年9个月的保留索赔为12亿雷亚尔，保持不变[38] - 2025年9个月的价值创造为133亿雷亚尔，同比下降0.5%[38]

Third Quarter 2025 Earnings Presentation November 5, 2025 Forward-Looking Statements Except for the historical information contained herein, the matters discussed in this press release are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Terms such as "aim," "anticipate," "believe," "confidence," "contemplate," "continue," "conviction," "could," "drive," "estimate," "expect," "forecast, ...

业绩总结 - 2025年第三季度每股收益（EPS）为2.49美元，较2024年第三季度的2.16美元增长15.3%[10] - 2025年第三季度的净收益为16.39亿美元，较2024年的-0.93亿美元增长1862.4%[37] - 2025年第三季度每股摊薄净收益为3.08美元，较2024年的-0.17美元增长1911.8%[36] - 2025年第三季度调整后每股摊薄收益为2.49美元，较2024年的2.16美元增长15.3%[36] - 2025年第三季度调整后净投资损失为3.35亿美元，较2024年的13.47亿美元下降124.9%[38] 用户数据 - Aflac日本的保费持续率为93.7%，保持稳定[16] - Aflac美国的保费持续率为79.0%，与前期持平[19] 财务指标 - 2025年第三季度的股本回报率（ROE）为20.2%，较2024年第三季度的16.7%有所上升[13] - 2025年第三季度美国通用会计准则（U.S. GAAP）净资产收益率（ROE）为23.5%，较2024年的-1.5%显著改善[39] - 2025年第三季度调整后每股账面价值为53.33美元，较2024年的51.21美元增长4.1%[43] - 2025年第三季度每股普通股的美国通用会计准则账面价值为54.57美元，较2024年的44.60美元增长22.4%[43] - 2025年第三季度调整后账面价值（不含外币重估）为46.35美元，较2024年的43.61美元增长6.3%[43] 资本结构 - 2025年第三季度的调整杠杆比率为22.0%，在目标范围内[20] - 截至2025年9月30日，Aflac日本的估计监管资本充足率（ESR）为230%[24] - 2025年第三季度调整后债务为79.86亿美元，较2024年的76.66亿美元增长2.6%[44] - 2025年第三季度调整后资本化（不含其他综合收益）为363.21亿美元，调整后债务占比为22.0%[44] 股东回报 - 2025年第三季度的股息支付总额为1.309亿美元，股票回购总额为3.09亿美元[26] 未来展望 - 2025年Aflac日本的预期税前利润率为35%至38%[28] - 2025年Aflac美国的预期税前利润率为17%至20%[29]

Disclosures Q3 2025 Earnings Presentation As of September 30, 2025 | NASDAQ: ACTG Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These statements are based upon the current expectations of Acacia Research Corporation ("Acacia" or the "Company") and speak only as of the date hereof. All statements other than statements of historical fact are forward-looking statements ...

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