EPS: As of FY2025 Q1, the actual value is USD 0.44.

EBIT: As of FY2025 Q1, the actual value is USD 181.56 M.

Commercial Segment

• Total Loans: Increased to $10,430,466 as of March 31, 2025, from $10,056,259 as of December 31, 2024.
• Allowance for Credit Losses: Increased to $157,587 as of March 31, 2025, from $148,722 as of December 31, 2024.
• Nonaccrual Loans: $137,130 as of March 31, 2025.

Commercial Real Estate Segment

• Total Loans: Decreased to $15,961,366 as of March 31, 2025, from $16,133,048 as of December 31, 2024.
• Allowance for Credit Losses: Decreased to $198,110 as of March 31, 2025, from $200,309 as of December 31, 2024.
• Nonaccrual Loans: $227,313 as of March 31, 2025.

Residential Real Estate Segment

• Total Loans: Slightly decreased to $6,771,694 as of March 31, 2025, from $6,797,586 as of December 31, 2024.
• Allowance for Credit Losses: Increased to $24,214 as of March 31, 2025, from $22,922 as of December 31, 2024.
• Nonaccrual Loans: $69,636 as of March 31, 2025.

Consumer Segment

• Indirect Loans: Decreased to $1,070,536 as of March 31, 2025, from $1,096,778 as of December 31, 2024.
• Direct Loans: Decreased to $511,455 as of March 31, 2025, from $514,144 as of December 31, 2024.
• Home Equity Loans: Decreased to $1,274,317 as of March 31, 2025, from $1,281,333 as of December 31, 2024.

Cash Flow

• Net Cash Flows from Operating Activities: $108,210 for the three months ended March 31, 2025.
• Net Cash Flows from Investing Activities: -$270,553 for the three months ended March 31, 2025.
• Net Cash Flows from Financing Activities: $174,155 for the three months ended March 31, 2025.

Future Outlook

• Commercial and Commercial Real Estate: Focus on maintaining credit quality and managing nonaccrual loans.
• Residential Real Estate: Continued monitoring of nonperforming loans and maintaining allowance for credit losses.
• Consumer Segment: Emphasis on managing indirect and direct loan portfolios with a focus on credit quality.