And the increase in rental costs was compensated by lower costs for, for example, consumables, lawyers' fees, marketing costs and lower travel costs.

Oct 20, 2025 / receipt, needs a key / Lena Åberg, CFO | earnings call 2025-10-20 | transcript 82a80939-7667-43de-bf97-66b1c7d18602 | chars 16648-16797 | segment 17

I meet several customers every week, either traveling as today or when they visit us in Linköping or in Teams meetings.

Oct 20, 2025 / receipt, needs a key / CEO, CEO | earnings call 2025-10-20 | transcript 82a80939-7667-43de-bf97-66b1c7d18602 | chars 24702-24821 | segment 25

(the “Bank”) announced that Brian Stringham, 51, will succeed Jason Arbuckle as Senior Vice President and Corporate Controller of the Bank, effective September 7, 2026.

filing / Sep 9, 2026 / receipt

(the “Bank”) announced that Brian Stringham, 51, will succeed Jason Arbuckle as Senior Vice President and Corporate Controller of the Bank, effective September 7, 2026.

filing / Sep 9, 2026 / receipt

Based on this evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were effective as of June 30, 2026.

filing / Aug 6, 2026 / receipt

Severance costs 1 3 2 4 5 16 Other real estate expense, net 1 - - 1 - (2) Amortization of core deposit and other intangibles 2 2 2 4 4 8 SBIC investment success fee accrual 7 - 2 7 2 5 FDIC special assessment (6) (1) - (7) - (11) Total adjustments (b) 5 4 6 9 11 16 Adjusted noninterest expense (non-GAAP) (c)=(a-b) $ 546 $ 558 $ 521 $ 1,104 $ 1,054 $ 2,122 Net interest income (GAAP) (d) $ 677 $

filing / Aug 6, 2026 / receipt

The efficiency ratio improved to 65.0% from 66.6% in the prior year quarter, reflecting positive operating leverage. The efficiency ratio was 62.3% in the prior quarter, primarily due to higher seasonal compensation costs.

filing / May 7, 2026 / receipt

The efficiency ratio improved to 65.0% from 66.6% in the prior year quarter, as adjusted taxable-equivalent revenue rose 7.4% and adjusted operating expenses increased 4.7%, resulting in positive operating leverage of 2.7%.

filing / May 7, 2026 / receipt

Severance costs 3 5 3 16 Other real estate expense, net - (2) - (2) Amortization of core deposit and other intangibles 2 2 2 8 SBIC investment success fee accrual - 2 - 5 FDIC special assessment (1) (9) - (11) Total adjustments (b) 4 (2) 5 16 Adjusted noninterest expense (non-GAAP) (c)=(a-b) $ 558 $ 548 $ 533 $ 2,122 Net interest income (GAAP) (d) $ 662 $ 683 $ 624 $ 2,627 Fully taxable-equi

filing / May 7, 2026 / receipt

Based on this evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were effective as of March 31, 2026.

filing / May 7, 2026 / receipt

Note: Excluding the $15 million charitable contribution, the efficiency ratio for the three months ended December 31, 2025 would have been 60.6%.

ir_statement / Sep 16, 2026 / receipt

Adjusted noninterest expense decreased compared to the prior quarter due primarily to seasonal compensation expense in the prior quarter

ir_statement / Sep 16, 2026 / receipt

Adjusted noninterest expense increased $25 million, or 5%, driven primarily by higher professional and legal services ($9 million), salary expense ($8 million), and technology expense ($7 million)

ir_statement / Sep 16, 2026 / receipt

Deposit insurance & regulatory expense decreased $8 million, or 53%, driven by a $6 million decrease from an updated estimate of the FDIC special assessment

ir_statement / Sep 16, 2026 / receipt