Category: Banking

MIL-OSI Economics: RBI imposes monetary penalty on The Nicholson Co-operative Town Bank Ltd., Tamil Nadu

Source: Reserve Bank of India

The Reserve Bank of India (RBI) has, by an order dated May 06, 2025, imposed a monetary penalty of ₹1.50 lakh (Rupees One Lakh Fifty Thousand only) on The Nicholson Co-operative Town Bank Ltd., Tamil Nadu (the bank) for non-compliance with certain directions issued by RBI on ‘Loans and advances to directors, their relatives, and firms /concerns in which they are interested’ and ‘Know Your Customer (KYC)’. This penalty has been imposed in exercise of powers conferred on RBI under the provisions of Section 47A(1)(c) read with Sections 46(4)(i) and 56 of the Banking Regulation Act, 1949.

The statutory inspection of the bank was conducted by RBI with reference to its financial position as on March 31, 2024. Based on supervisory findings of non-compliance with RBI directions and related correspondence in that regard, a notice was issued to the bank advising it to show cause as to why penalty should not be imposed on it for its failure to comply with the said directions. After considering the bank’s reply to the notice and oral submissions made during the personal hearing, RBI found, inter alia, that the following charges against the bank were sustained, warranting imposition of monetary penalty:

The bank had:

sanctioned certain director related loans; and
failed to upload the KYC records of certain customers onto Central KYC Records Registry (CKYCR) within the prescribed timeline.

This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers. Further, imposition of this monetary penalty is without prejudice to any other action that may be initiated by RBI against the bank.

(Puneet Pancholy)
Chief General Manager

Press Release: 2025-2026/286

MIL OSI Economics –

MIL-OSI: Live Oak Bancshares Announces Appointment of Patrick T. McHenry to Board of Directors

Source: GlobeNewswire (MIL-OSI)

WILMINGTON, N.C., May 08, 2025 (GLOBE NEWSWIRE) — Live Oak Bancshares announced the appointment of Patrick T. McHenry to its board of directors effective May 21, 2025. McHenry has also been appointed to the board of directors of Live Oak Bank.

“It is a privilege for Live Oak to have the astute financial and policy expertise of Patrick’s caliber join our board of directors,” said Live Oak Bancshares Chairman and CEO James S. (Chip) Mahan III. “His service to the U.S. government, and experience as former chairman of the House Financial Services Committee, will be a valuable addition to our leadership as Live Oak continues its mission to be America’s small business bank.”

McHenry currently lives in Washington, D.C. and serves as an advisor on public policy, financial services, fintech, and artificial intelligence matters, in addition to serving as a distinguished fellow at Georgetown University’s Psaros Center for Financial Markets and Policy. He spent 20 years in Congress and is the former Chairman of the House Financial Services Committee and U.S. Representative for North Carolina’s 10th Congressional District. During his time leading the committee, McHenry drove a robust legislative agenda focused on cryptocurrency, capital formation, AI, fintech, data privacy, and corporate governance issues, among other topics.

“Small business is a critical component of the U.S. economy, and I have long respected Live Oak Bank’s approach to supporting the capital needs of American entrepreneurs,” said McHenry. “There is a unique culture at Live Oak–one driven by an embrace of innovation and technology, two things that inspired much of my public policy work over the last 20 years. I am delighted to be part of the journey Chip and the team are on to serve small businesses in my home state of North Carolina and around the country.”

In addition to his role as Chairman of the Financial Services Committee, McHenry previously served in House Republican leadership as the Chief Deputy Whip and also served as Speaker Pro Tempore of the House in October of 2023. He is a native of Gastonia, NC and a graduate of Belmont Abbey College.

About Live Oak Bancshares
Live Oak Bancshares, Inc. (NYSE: LOB) is a financial holding company and parent company of Live Oak Bank. Live Oak Bancshares and its subsidiaries partner with businesses who share a groundbreaking focus on service and technology to redefine banking. To learn more, visit www.liveoak.bank.

Contact:
Claire Parker
Live Oak Bank, Corporate Communications
910.597.1592
claire.parker@liveoak.bank

The MIL Network –

May 9, 2025
MIL-OSI: BermudAir Partners with Zero Hash to Launch First-of-Its-Kind Stablecoin Payments in Air Travel

Source: GlobeNewswire (MIL-OSI)

HAMILTON, Bermuda, May 08, 2025 (GLOBE NEWSWIRE) — BermudAir, Bermuda’s first homegrown airline, today announced a groundbreaking partnership with Zero Hash to let customers purchase flights with stablecoins as part of the standard booking flow by the end of 2025. The new feature, which makes BermudAir the world’s first airline to offer native stablecoin payments for tickets during online booking on its website and mobile app, will go live by the end of 2025. The collaboration is being showcased today at the inaugural Bermuda Digital Finance Forum, underscoring the event’s focus on empowering local Bermudian businesses through cutting-edge digital finance innovation.

This partnership will allow BermudAir passengers to natively pay with stablecoins – digital currencies pegged to fiat value – directly on the airline’s website, just as easily as using a credit card. Once live, travelers can select from over a dozen stablecoin options at checkout, enabling seamless payments that settle nearly instantly across borders.

“By accepting stablecoins, we’re eliminating the friction of currency exchange and foreign transaction fees for our international passengers,” said Adam Scott, Founder and CEO of BermudAir. “As Bermuda’s home airline, we are proud to lead the charge in crypto and stablecoin adoption within aviation. Allowing customers to pay for flights with stablecoins isn’t just about embracing the future of travel – it’s about making the experience faster, cheaper, and more inclusive for travelers worldwide.”

International visitors represent the majority of Bermuda’s 200,000+ annual air arrivals, many of whom currently face 1–3% foreign transaction fees on credit card bookings.¹² By offering a direct stablecoin payment option, BermudAir will offer the opportunity to eliminate those costs and deliver a smoother booking experience for its globally diverse clientele. Stablecoin payments also process 24/7, ensuring ticket purchases can be confirmed in minutes without banking delays, a clear win for travelers and tourism operators.

Zero Hash, the leading crypto, stablecoin and tokenization infrastructure provider, will power the conversion and settlement of these transactions. Zero Hash Worldwide Ltd., which holds a Class F license issued by the Bermuda Monetary Authority (BMA) under the Digital Asset Business Act, will enable BermudAir to accept digital dollar payments in a compliant, secure manner.

Zero Hash views stablecoins as a core Alternative Payment Method (APM) poised for mass adoption in everyday transactions. The numbers support this shift: over the past 24 months, nearly 750 million people have gained access to stablecoins and crypto via a primary account on platforms like Revolut, NuBank, Robinhood, PayPal, Stripe, and Venmo. In just the last 30 days, 29.2 million unique wallets processed 705 million stablecoin transactions – totaling $3.3 trillion in volume.³

The travel industry is uniquely positioned to lead this adoption – an early mover in loyalty programs, digital wallets, and cross-border innovation, it has a proven track record of embracing financial infrastructure before the mainstream.

“Zero Hash is thrilled to power this first-of-its-kind stablecoin payment offering in the airline industry,” said Edward Woodford, Founder and CEO of Zero Hash. “This partnership with BermudAir exemplifies the convergence of digital finance innovation. By leveraging our stablecoin payments infrastructure, BermudAir can deliver the seamless payments and global accessibility that customers expect in the future of travel. It’s a shining example of stablecoins making a real-world impact, and we’re excited to help empower Bermudian businesses through compliant, cutting-edge technology.”

The announcement comes amid a broader movement to onboard Bermudian businesses into digital finance. Bermuda’s government has cultivated a robust regulatory framework for fintech, making the island a hub for crypto adoption and innovation.

The Bermuda Digital Finance Forum, hosted by Penrose Partners, SALT and The Decentralized AI Society (DAIS), is bringing community leaders together to empower local businesses and residents to leverage digital finance.

This effort builds on BermudAir’s track record of innovation in digital finance, including a prior issuance of stablecoin bond tokens in partnership with crypto custodian XBTO.

BermudAir’s stablecoin payment feature will be accessed by booking on flybermudair.com and the airline’s mobile app. Travelers will simply choose the stablecoin payment option during checkout, and Zero Hash will seamlessly handle the crypto-to-fiat settlement in real time. Both companies anticipate that this convenience will appeal to overseas travelers and business flyers, who can avoid exchanging currencies or incurring bank fees by paying directly in digital dollars.

About Zero Hash
Zero Hash is the leading infrastructure provider for crypto, stablecoin, and tokenized assets. Its API and embeddable dev-kit enables innovators to easily launch solutions across cross-border payments, commerce, trading, remittance, payroll, tokenization and on/off-ramps.

Zero Hash powers solutions for some of the largest and innovative companies including Interactive Brokers, Stripe, Shift4, Franklin Templeton, Felix Pago, Kalshi and LightSpark. Zero Hash Holdings is backed by investors, including Point72 Ventures, Bain Capital Ventures, and NYCA.

Zero Hash Worldwide Ltd. holds a Class F license issued by the Bermuda Monetary Authority (BMA) under the Digital Asset Business Act 2018 of Bermuda.

Zero Hash Trust Company LLC has been approved by the North Carolina Commissioner of Banks as a non-depository trust company.

Zero Hash LLC is a FinCen-registered Money Service Business and a regulated Money Transmitter that can operate in 51 U.S. jurisdictions. Zero Hash LLC and Zero Hash Liquidity Services LLC are licensed to engage in virtual currency business activity by the New York State Department of Financial Services. In Canada, Zero Hash LLC is registered as a Money Service Business with FINTRAC.

Zero Hash Australia Pty Ltd. is registered with AUSTRAC as a Digital Currency Exchange Provider, with DCE registered provider number DCE100804170-001. Zero Hash Australia Pty Ltd. is registered on the New Zealand register of financial service providers, with Financial Service Provider (FSP) number FSP1004503. Zero Hash Europe B.V. is registered as a Virtual Asset Services Provider (VASP) by the Dutch Central Bank (Relation number: R193684). Zero Hash Europe Sp. Zoo is registered as a VASP by the Tax Administration Chamber of Poland in Katowice (Registration number RDWW – 1212).

Learn more by visiting zerohash.com or following us on X @ZeroHashX

About BermudAir
BermudAir is Bermuda’s airline, committed to redefining the travel experience. With a fleet of Embraer E175 and E190 aircraft renowned for exceptional performance and passenger comfort, BermudAir exemplifies its commitment to excellence. Operating convenient flights to and from Westchester Country Airport, Boston Logan International Airport, Fort Lauderdale-Hollywood International Airport, Orlando International Airport, Charleston International Airport, Raleigh-Durham International Airport, Bradley International Airport and Baltimore/Washington International Thurgood Marshall Airport, Rhode Island T. F. Green International Airport, and Richmond International Airport. BermudAir enhances connectivity to the U.S. East Coast, contributing to the growth and prosperity of Bermuda. BermudAir also operates flights to Toronto Pearson International Airport, Halifax Stanfield International Airport, and Montréal-Pierre Elliott Trudeau International Airport in Canada. With a dedication to exceptional service and curated onboard offerings that showcase the island’s renowned hospitality and varied food and beverages available locally, BermudAir provides an unparalleled travel experience. For more information, and to book flights, please visit www.flybermudair.com.

^¹gotobermuda 2024 Visitor Arrivals Report
^²bankrate.com
^³Artemis Terminal

The MIL Network –

May 9, 2025

MIL-OSI: Parex Resources Announces First Quarter Results, Declaration of Q2 2025 Dividend, and Operational Update

Source: GlobeNewswire (MIL-OSI)

CALGARY, Alberta, May 08, 2025 (GLOBE NEWSWIRE) — Parex Resources Inc. (“Parex” or the “Company”) (TSX: PXT) is pleased to announce its financial and operating results for the three-month period ended March 31, 2025, the declaration of its Q2 2025 regular dividend of C$0.385 per share, as well as an operational update. All amounts herein are in United States Dollars (“USD”) unless otherwise stated.

“We entered the year with a disciplined and diversified plan aimed at delivering steady performance, and given current market volatility, are focused on sustaining base production and maintaining flexibility,” commented Imad Mohsen, President & Chief Executive Officer.

“After a measured first quarter, drilling activity is increasing consistent with our budget. The recent tuck-in acquisition of LLA-32, an asset integral to our development plans, along with encouraging exploration results, represent key milestones that will drive near-term production. While we are well-positioned to deliver a strong second half, we will closely monitor commodity prices and our capital allocation throughout the year to maximize shareholder value.”

Key Highlights

Generated Q1 2025 funds flow provided by operations (“FFO”)⁽¹⁾ of $122 million and FFO per share⁽²⁾⁽³⁾ of $1.24.
Tracking to deliver FY 2025 average production guidance of 43,000 to 47,000 boe/d; YTD 2025 average production is approximately 43,100 boe/d⁽⁵⁾⁽⁷⁾, with plans intact for a growing H2 2025 production profile.
Positive initial results at two prospects in the Southern Llanos, which are driving near-field exploration momentum.
Capital expenditure⁽⁶⁾ guidance for FY 2025 remains at $285 to $315 million, though the Company continues to monitor commodity prices and could revise lower if warranted by market conditions.
Executed a tuck-in acquisition of the remaining working interest at LLA-32 for total consideration of $16 million.

Q1 2025 Results

Average oil & natural gas production was 43,658 boe/d⁽⁷⁾.
Realized net income of $81 million or $0.82 per share basic⁽³⁾.
Generated FFO⁽¹⁾ of $122 million and FFO per share⁽²⁾⁽³⁾ of $1.24.
Current taxes were $12 million; at current Brent crude oil strip pricing, the Company expects its FY 2025 effective current tax rate to be 0-3%.
Produced an operating netback⁽²⁾ of $39.40/boe and an FFO netback⁽²⁾ of $30.90/boe from an average Brent price of $74.98/bbl.
Incurred $57 million of capital expenditures⁽⁶⁾, primarily from activities at Cabrestero, Capachos, and LLA-34.
Generated $65 million of free funds flow⁽⁶⁾ that was used for return of capital initiatives, $10 million of bank debt repayment and increasing working capital surplus⁽¹⁾; working capital surplus⁽¹⁾ was $69 million and cash $81 million at quarter end.
Paid a C$0.385 per share⁽⁴⁾ regular quarterly dividend and repurchased 524,900 shares.

(1) Capital management measure. See “Non-GAAP and Other Financial Measures Advisory.”
(2) Non-GAAP ratio. See “Non-GAAP and Other Financial Measures Advisory.”
(3) Based on weighted average basic shares for the period.
(4) Supplementary financial measure. See “Non-GAAP and Other Financial Measures Advisory.”
(5) Based on Q1 2025 actuals and estimated April 2025 average production; rounded for presentation purposes.
(6) Non-GAAP financial measure. See “Non-GAAP and Other Financial Measures Advisory.”
(7) See “Operational and Financial Highlights” for a breakdown of production by product type.

Operational and Financial Highlights	Three Months Ended
(unaudited)	Mar. 31,		Mar. 31,		Dec. 31,
	2025		2024		2024
Operational
Average daily production
Light Crude Oil and Medium Crude Oil (bbl/d)	10,650		7,237		9,550
Heavy Crude Oil (bbl/d)	32,207		45,543		34,882
Crude Oil (bbl/d)	42,857		52,780		44,432
Conventional Natural Gas (mcf/d)	4,806		3,348		5,190
Oil & Gas (boe/d)⁽¹⁾	43,658		53,338		45,297

Operating netback ($/boe)
Reference price – Brent ($/bbl)	74.98		81.87		74.01
Oil & gas sales⁽⁴⁾	67.29		70.80		63.73
Royalties⁽⁴⁾	(9.22	)	(11.21	)	(9.43	)
Net revenue⁽⁴⁾	58.07		59.59		54.30
Production expense⁽⁴⁾	(14.41	)	(12.64	)	(15.53	)
Transportation expense⁽⁴⁾	(4.26	)	(3.40	)	(3.87	)
Operating netback ($/boe)⁽²⁾	39.40		43.55		34.90

Funds flow provided by operations netback ($/boe)⁽²⁾	30.90		31.32		32.39

Financial ($000s except per share amounts)

Net income	80,629		60,093		(69,051	)
Per share – basic⁽⁶⁾	0.82		0.58		(0.70	)

Funds flow provided by operations⁽⁵⁾	121,944		148,307		141,201
Per share – basic⁽²⁾⁽⁶⁾	1.24		1.43		1.43

Capital expenditures⁽³⁾	57,054		85,421		82,110

Free funds flow⁽³⁾	64,890		62,886		59,091

EBITDA⁽³⁾	139,032		192,078		(10,419	)
Adjusted EBITDA⁽³⁾	135,407		188,228		137,312

Long-term inventory expenditures	(4,648	)	3,843		(2,569	)

Dividends paid	26,365		28,531		26,658
Per share – Cdn$⁽⁴⁾⁽⁶⁾	0.385		0.375		0.385

Shares repurchased	5,239		15,291		16,408
Number of shares repurchased (000s)	525		920		1,692

Outstanding shares (end of period) (000s)
Basic	97,814		102,914		98,339
Weighted average basic	98,115		103,474		99,063
Diluted⁽⁸⁾	99,105		103,829		99,238

Working capital surplus (deficit)⁽⁵⁾	69,040		55,901		59,397
Bank debt⁽⁷⁾	50,000		60,000		60,000
Cash	81,025		61,052		98,022

(1) Reference to crude oil or natural gas in the above table and elsewhere in this press release refer to the light and medium crude oil and heavy crude oil and conventional natural gas, respectively, product types as defined in National Instrument 51-101 – Standards of Disclosure for Oil and Gas Activities.
(2) Non-GAAP ratio. See “Non-GAAP and Other Financial Measures Advisory”.
(3) Non-GAAP financial measure. See “Non-GAAP and Other Financial Measures Advisory”.
(4) Supplementary financial measure. See “Non-GAAP and Other Financial Measures Advisory”.
(5) Capital management measure. See “Non-GAAP and Other Financial Measures Advisory”.
(6) Per share amounts (with the exception of dividends) are based on weighted average common shares.
(7) Borrowing limit of $240.0 million as of March 31, 2025.
(8) Diluted shares as stated include common shares and stock options outstanding at period-end. The March 31, 2025 closing stock price was C$13.42 per share.

LLA-32 Tuck-In Acquisition

On March 14, 2025, Parex executed a tuck-in acquisition for the remaining working interest at LLA-32 for total consideration of $16 million. LLA-32 is located to the north and adjacent to the Company’s core LLA-34 and Cabrestero blocks.

The strategic rationale for the acquisition was to gain full control of the asset, grow production, expand inventory, and add low-cost recompletion opportunities.

Following the close of the acquisition, Parex started a workover program with positive results thus far, and in Q2 2025, initiated a five-well development campaign. Current production from LLA-32 is roughly 4,000 boe/d⁽¹⁾.

Operational Update

2025 Corporate Guidance & Outlook

While Parex’s 2025 corporate guidance of average production of 43,000 to 47,000 boe/d and capital expenditures of $285 to $315 million remains unchanged as previously disclosed, the Company is closely monitoring oil price volatility to ensure that project economics remain robust.

Given the conventional nature of Parex’s business and the structure of its drilling and service contracts, optionality exists to adjust activity levels in response to prevailing market conditions in order to ensure efficient capital allocation and maximization of shareholder value.

For Q2 2025, average production is expected to be similar to Q1 2025, supported by increased development activity and preliminary near-field exploration success.

Operational Update

Average production for Q1 2025 of 43,658 boe/d⁽²⁾ was in line with Management expectations. The quarter progressed steadily, which is aligned with the Company’s activity plan to support a growing H2 2025 production profile, as previously disclosed.

April 2025 average production was 41,400 boe/d⁽³⁾, with production generally consistent with lower activity levels and modest capital outlay in Q1 2025, as well as higher than budgeted downtime due to weather factors. Downtime levels have normalized and initial average production rates in May are roughly 43,200 boe/d⁽⁴⁾.

With budgeted activity underway, operational momentum is expected to build through the remainder of the year. Parex currently has three drilling rigs operating (two operated and one non-operated). In addition to enhanced oil recovery initiatives at Cabrestero and LLA-34, activity for Q2 2025 is primarily focused on development wells that are planned to be sequential in nature and located on existing pads that enable efficient production across parallel operations.

Near-Term Development Activity

Drilling at LLA-34 that is expected to continue through Q2 2025, resulting in the expected completion of six in-fill wells;
Commencing operations at LLA-32, with the first well of the campaign to be completed in late Q2 2025; and
Achieving initial access in the Putumayo, with activity starting with a workover rig in Q2 2025.

Near-Field Exploration Program plus Follow-Up Drilling

As part of this program, two separate prospects have yielded positive initial results in the Southern Llanos, where operations are ongoing:

On LLA-74, a prospect was drilled successfully.
- Initial production began in early May, with current output of approximately 1,200 bbl/d of heavy crude oil⁽⁵⁾.
Also on LLA-74, a prospect was drilled via a vertical well.
- Based on management’s positive initial assessment, the program has progressed with the design of two horizontal wells to optimize production and recovery.
- The first follow-up horizontal well is currently being drilled, with expected production in late May.

(1) Estimated average production for April 1, 2025 to April 30, 2025; light & medium crude oil: ~3,409 bbl/d, conventional natural gas: ~3,544 mcf/d; rounded for presentation purposes.
(2) See “Operational and Financial Highlights” for a breakdown of production by product type.
(3) Estimated average production for April 1, 2025 to April 30, 2025; light & medium crude oil: ~10,099 bbl/d, heavy crude oil: ~30,541 bbl/d, conventional natural gas: ~4,557 mcf/d; rounded for presentation purposes.
(4) Estimated average production for May 1, 2025 to May 6, 2025; light & medium crude oil: ~10,538 bbl/d, heavy crude oil: ~31,869 bbl/d, conventional natural gas: ~4,756 mcf/d; rounded for presentation purposes.
(5) Short-term production rate. See “Oil & Gas Matters Advisory.”

Risk Management

For Q1 2025, Parex entered into a Brent crude oil hedge to manage price risk on approximately 25% of planned net crude oil production, utilizing a Brent put spread at $60/bbl and $70/bbl. For Q2 2025, Parex entered into similar hedges for the months of April 2025 and May 2025.

Parex plans to regularly evaluate market conditions, operational requirements, and other pertinent factors, to assess the need for any additional hedging actions as it progresses through 2025.

Return of Capital Update

Q2 2025 Dividend

Parex’s Board of Directors have approved a Q2 2025 regular dividend of C$0.385 per share to shareholders of record on June 9, 2025, to be paid on June 16, 2025. This regular dividend payment to shareholders is designated as an “eligible dividend” for purposes of the Income Tax Act (Canada).

Normal Course Issuer Bids

In 2025, Parex has repurchased approximately 0.7 million shares under its NCIBs, for total consideration of roughly C$10 million.

Q1 2025 Results – Conference Call & Webcast

Parex will host a conference call and webcast to discuss its Q1 2025 results on Thursday, May 8, 2025, beginning at 9:30 am MT (11:30 am ET). To participate in the conference call or webcast, please see the access information below:

Conference ID: 5403995
Participant Toll-Free Dial-In Number: 1-646-307-1963
Participant Dial-In Number: 1-647-932-3411
Webcast: https://events.q4inc.com/attendee/867962059

Annual General Meeting

On Thursday, May 8, 2025, Parex will hold its Annual General Meeting at 11:00 am MT (1:00 pm ET) both in-person and virtually. Participants may attend at the 4th Floor Conference Center, Eight Avenue Place, East Tower, 525, 8th Ave SW, Calgary, Alberta – and virtual participants can join through the following link: https:meetnow.global/M4SULLK.

Additional information regarding the Annual General Meeting, including meeting materials, can be found at www.parexresources.com under Investors.

About Parex Resources Inc.

Parex is one of the largest independent oil and gas companies in Colombia, focusing on sustainable conventional production. The Company’s corporate headquarters are in Calgary, Canada, with an operating office in Bogotá, Colombia. Parex shares trade on the Toronto Stock Exchange under the symbol PXT.

For more information, please contact:

Mike Kruchten
Senior Vice President, Capital Markets & Corporate Planning
Parex Resources Inc.
403-517-1733
investor.relations@parexresources.com

Steven Eirich
Senior Investor Relations & Communications Advisor
Parex Resources Inc.
587-293-3286
investor.relations@parexresources.com

NOT FOR DISTRIBUTION OR FOR DISSEMINATION IN THE UNITED STATES

Non-GAAP and Other Financial Measures Advisory

This press release uses various “non-GAAP financial measures”, “non-GAAP ratios”, “supplementary financial measures” and “capital management measures” (as such terms are defined in NI 52-112), which are described in further detail below. Such measures are not standardized financial measures under IFRS and might not be comparable to similar financial measures disclosed by other issuers. Investors are cautioned that non-GAAP financial measures should not be construed as alternatives to or more meaningful than the most directly comparable GAAP measures as indicators of Parex’s performance.

These measures facilitate management’s comparisons to the Company’s historical operating results in assessing its results and strategic and operational decision-making and may be used by financial analysts and others in the oil and natural gas industry to evaluate the Company’s performance. Further, management believes that such financial measures are useful supplemental information to analyze operating performance and provide an indication of the results generated by the Company’s principal business activities.

Set forth below is a description of the non-GAAP financial measures, non-GAAP ratios, supplementary financial measures and capital management measures used in this press release.

Non-GAAP Financial Measures

Capital expenditures, is a non-GAAP financial measure which the Company uses to describe its capital costs associated with oil and gas expenditures. The measure considers both property, plant and equipment expenditures and exploration and evaluation asset expenditures which are items in the Company’s statement of cash flows for the period and is calculated as follows:

	For the three months ended
	Mar. 31,		Mar. 31,		Dec. 31,
($000s)		2025		2024		2024
Property, plant and equipment expenditures	$	44,951	$	40,831	$	62,799
Exploration and evaluation expenditures		12,103		44,590		19,311
Capital expenditures	$	57,054	$	85,421	$	82,110

Free funds flow, is a non-GAAP financial measure that is determined by funds flow provided by operations less capital expenditures. The Company considers free funds flow to be a key measure as it demonstrates Parex’s ability to fund return of capital, such as the normal course issuer bid and dividends, without accessing outside funds and is calculated as follows:

	For the three months ended
	Mar. 31,		Mar. 31,		Dec. 31,
($000s)		2025		2024		2024
Cash provided by operating activities	$	87,621	$	97,412	$	67,847
Net change in non-cash assets and liabilities		34,323		50,895		73,354
Funds flow provided by operations		121,944		148,307		141,201
Capital expenditures		57,054		85,421		82,110
Free funds flow	$	64,890	$	62,886	$	59,091

EBITDA, is a non-GAAP financial measure that is defined as net income (loss) adjusted for finance income and expenses, other expenses, income tax expense (recovery) and depletion, depreciation and amortization.

Adjusted EBITDA, is a non-GAAP financial measure defined as EBITDA adjusted for non-cash impairment charges, share-based compensation expense (recovery), unrealized foreign exchange gains (losses) and unrealized gains (losses) on risk management contracts.

The Company considers EBITDA and Adjusted EBITDA to be key measures as they demonstrate Parex’s profitability before finance income and expenses, taxes, depletion, depreciation and amortization and other non-cash items. A reconciliation from net income to EBITDA and Adjusted EBITDA is as follows:

	For the three months ended
	Mar. 31,			Mar. 31,			Dec. 31,
($000s)		2025			2024			2024
Net income (loss)	$	80,629		$	60,093		$	(69,051	)
Adjustments to reconcile net income (loss) to EBITDA:
Finance income		(1,297	)		(1,257	)		(998	)
Finance expense		5,056			4,455			4,318
Other expenses		1,147			739			2,208
Income tax expense (recovery)		3,078			75,817			(880	)
Depletion, depreciation and amortization		50,419			52,231			53,984
EBITDA	$	139,032		$	192,078		$	(10,419	)
Non-cash impairment charges		—			—			137,841
Share-based compensation expense (recovery)		2,092			(2,463	)		6,149
Unrealized foreign exchange (gain) loss		(4,919	)		(1,387	)		2,581
Unrealized (gain) loss on risk management contracts		(798	)		—			1,160
Adjusted EBITDA	$	135,407		$	188,228		$	137,312

Non-GAAP Ratios

Operating netback per boe, is a non-GAAP ratio that the Company considers to be a key measure as it demonstrates Parex’ profitability relative to current commodity prices. Parex calculates operating netback per boe as operating netback (calculated as oil and natural gas sales from production, less royalties, operating, and transportation expense) divided by the total equivalent sales volume including purchased oil volumes for oil and natural gas sales price and transportation expense per boe and by the total equivalent sales volume excluding purchased oil volumes for royalties and operating expense per boe.

Funds flow provided by operations netback per boe or FFO netback per boe, is a non-GAAP ratio that includes all cash generated from operating activities and is calculated before changes in non-cash assets and liabilities, divided by produced oil and natural gas sales volumes. The Company considers funds flow provided by operations netback per boe to be a key measure as it demonstrates Parex’s profitability after all cash costs relative to current commodity prices.

Basic funds flow provided by operations per share or FFO per share, is a non-GAAP ratio that is calculated by dividing funds flow provided by operations by the weighted average number of basic shares outstanding. Parex presents basic funds flow provided by operations per share whereby per share amounts are calculated using weighted-average shares outstanding, consistent with the calculation of earnings per share. The Company considers basic funds flow provided by operations per share or FFO per share to be a key measure as it demonstrates Parex’s profitability after all cash costs relative to the weighted average number of basic shares outstanding.

Capital Management Measures

Funds flow provided by operations, is a capital management measure that includes all cash generated from operating activities and is calculated before changes in non-cash assets and liabilities. The Company considers funds flow provided by operations to be a key measure as it demonstrates Parex’s profitability after all cash costs. A reconciliation from cash provided by operating activities to funds flow provided by operations is as follows:

	For the three months ended
	Mar. 31,		Mar. 31,		Dec. 31,
($000s)		2025		2024		2024
Cash provided by operating activities	$	87,621	$	97,412	$	67,847
Net change in non-cash assets and liabilities		34,323		50,895		73,354
Funds flow provided by operations	$	121,944	$	148,307	$	141,201

Working capital surplus, is a capital management measure which the Company uses to describe its liquidity position and ability to meet its short-term liabilities. Working capital surplus is defined as current assets less current liabilities.

	For the three months ended
	Mar. 31,		Mar. 31,		Dec. 31,
($000s)		2025		2024		2024
Current assets	$	259,256	$	276,113	$	245,943
Current liabilities		190,216		220,212		186,546
Working capital surplus	$	69,040	$	55,901	$	59,397

Supplementary Financial Measures

“Oil and natural gas sales price per boe” is comprised of total commodity sales from oil and natural gas production, as determined in accordance with IFRS, divided by the total oil and natural gas sales volumes including purchased oil volumes.

“Royalties per boe” is comprised of royalties, as determined in accordance with IFRS, divided by the total equivalent sales volume and excludes purchased oil volumes.

“Net revenue per boe” is comprised of net revenue, as determined in accordance with IFRS, divided by the total equivalent sales volume and includes purchased oil volumes.

“Production expense per boe” is comprised of production expense, as determined in accordance with IFRS, divided by the total equivalent sales volume and excludes purchased oil volumes.

“Transportation expense per boe” is comprised of transportation expense, as determined in accordance with IFRS, divided by the total equivalent sales volumes including purchased oil volumes.

“Dividends paid per share” is comprised of dividends declared, as determined in accordance with IFRS, divided by the number of shares outstanding at the dividend record date.

Oil & Gas Matters Advisory

The term “Boe” means a barrel of oil equivalent on the basis of 6 Mcf of natural gas to 1 barrel of oil (“bbl”). Boe’s may be misleading, particularly if used in isolation. A boe conversation ratio of 6 Mcf: 1 Bbl is based on an energy equivalency conversion method primarily applicable at the burner tip and does not represent a value equivalency at the wellhead. Given the value ratio based on the current price of crude oil as compared to natural gas is significantly different from the energy equivalency of 6 Mcf: 1Bbl, utilizing a conversion ratio at 6 Mcf: 1 Bbl may be misleading as an indication of value.

This press release contains a number of oil and gas metrics, including, operating netbacks and FFO netbacks. These oil and gas metrics have been prepared by management and do not have standardized meanings or standard methods of calculation and therefore such measures may not be comparable to similar measures used by other companies and should not be used to make comparisons. Such metrics have been included herein to provide readers with additional measures to evaluate the Company’s performance; however, such measures are not reliable indicators of the future performance of the Company and future performance may not compare to the performance in previous periods and therefore such metrics should not be unduly relied upon. Management uses these oil and gas metrics for its own performance measurements and to provide security holders with measures to compare the Company’s operations over time. Readers are cautioned that the information provided by these metrics, or that can be derived from the metrics presented in this news release, should not be relied upon for investment or other purposes.

Any reference in this press release to short-term production rates are useful in confirming the presence of hydrocarbons, however such rates are not determination of the rates at which such wells will continue production and decline thereafter and readers are cautioned not to place reliance on such rates in calculating the aggregate production of Parex.

Distribution Advisory

The Company’s future shareholder distributions, including but not limited to the payment of dividends and the acquisition by the Company of its shares pursuant to an NCIB, if any, and the level thereof is uncertain. Any decision to pay further dividends on the common shares (including the actual amount, the declaration date, the record date and the payment date in connection therewith and any special dividends) or acquire shares of the Company will be subject to the discretion of the Board of Directors of Parex and may depend on a variety of factors, including, without limitation the Company’s business performance, financial condition, financial requirements, growth plans, expected capital requirements and other conditions existing at such future time including, without limitation, contractual restrictions and satisfaction of the solvency tests imposed on the Company under applicable corporate law. Further, the actual amount, the declaration date, the record date and the payment date of any dividend are subject to the discretion of the Board. There can be no assurance that the Company will pay dividends or repurchase any shares of the Company in the future.

Advisory on Forward Looking Statements

Certain information regarding Parex set forth in this document contains forward-looking statements that involve substantial known and unknown risks and uncertainties. The use of any of the words “plan”, “expect”, “prospective”, “project”, “intend”, “believe”, “should”, “anticipate”, “estimate”, “forecast”, “guidance”, “budget” or other similar words, or statements that certain events or conditions “may” or “will” occur are intended to identify forward-looking statements. Such statements represent Parex’s internal projections, estimates or beliefs concerning, among other things, future growth, results of operations, production, future capital and other expenditures (including the amount, nature and sources of funding thereof), competitive advantages, plans for and results of drilling activity, environmental matters, business prospects and opportunities. These statements are only predictions and actual events or results may differ materially. Although the Company’s management believes that the expectations reflected in the forward-looking statements are reasonable, it cannot guarantee future results, levels of activity, performance or achievement since such expectations are inherently subject to significant business, economic, competitive, political and social uncertainties and contingencies. Many factors could cause Parex’s actual results to differ materially from those expressed or implied in any forward-looking statements made by, or on behalf of, Parex.

In particular, forward-looking statements contained in this document include, but are not limited to, statements with respect to: the Company’s focus, plans, priorities and strategies; average production guidance and capital expenditure guidance; expectations and plans regarding the Company’s drilling activity, the Company’s production profile, prospects in the Southern Llanos, the LLA-32 tuck-in acquisition, drilling and programs at LLA-34, LLA-32, Putumayo, and LLA-74; expectations about the Company’s FY 2025 tax rate; plans with respect to assessing the need for additional hedging in 2025; the anticipated terms of the Company’s Q2 2025 regular quarterly dividend, including its expectation that it will be designated as an “eligible dividend”; and the anticipated date and time of Parex’s conference call to discuss Q1 2025 results.

These forward-looking statements are subject to numerous risks and uncertainties, including but not limited to, the impact of general economic conditions in Canada and Colombia; an unpredictable tariff and trade environment; prolonged volatility in commodity prices; industry conditions including changes in laws and regulations including adoption of new environmental laws and regulations, and changes in how they are interpreted and enforced in Canada and Colombia; determinations by OPEC and other countries as to production levels; competition; lack of availability of qualified personnel; the results of exploration and development drilling and related activities; obtaining required approvals of regulatory authorities in Canada and Colombia; the risks associated with negotiating with foreign governments as well as country risk associated with conducting international activities; volatility in market prices for oil; fluctuations in foreign exchange or interest rates; environmental risks; changes in income tax laws or changes in tax laws and incentive programs relating to the oil industry; changes to pipeline capacity; ability to access sufficient capital from internal and external sources; failure of counterparties to perform under contracts; the risk that Brent oil prices may be lower than anticipated; the risk that Parex’s evaluation of its existing portfolio of development and exploration opportunities may not be consistent with its expectations; the risk that Parex may not have sufficient financial resources in the future to provide distributions to its shareholders; the risk that the Board may not declare dividends in the future or that Parex’s dividend policy changes; the risk that Parex may not be responsive to changes in commodity prices; the risk that Parex may not meet its production guidance for the year ended December 31, 2025; the risk that Parex’s 2025 capital expenditures may be greater or less than anticipated; the risk that plans and expectations related to Parex’s drilling program as disclosed herein do not materialize as expected and/or at all; and other factors, many of which are beyond the control of the Company.

Readers are cautioned that the foregoing list of factors is not exhaustive. Additional information on these and other factors that could affect Parex’s operations and financial results are included in reports on file with Canadian securities regulatory authorities and may be accessed through the SEDAR+ website (www.sedarplus.ca).

Although the forward-looking statements contained in this document are based upon assumptions which Management believes to be reasonable, the Company cannot assure investors that actual results will be consistent with these forward-looking statements. With respect to forward-looking statements contained in this document, Parex has made assumptions regarding, among other things: current and anticipated commodity prices and royalty regimes; availability of skilled labour; timing and amount of capital expenditures; future exchange rates; the price of oil, including the anticipated Brent oil price; the impact of increasing competition; conditions in general economic and financial markets; availability of drilling and related equipment; effects of regulation by governmental agencies; receipt of partner, regulatory and community approvals; royalty rates; future operating costs; uninterrupted access to areas of Parex’s operations and infrastructure; recoverability of reserves and future production rates; the status of litigation; timing of drilling and completion of wells; on-stream timing of production from successful exploration wells; operational performance of non-operated producing fields; pipeline capacity; that Parex will have sufficient cash flow, debt or equity sources or other financial resources required to fund its capital and operating expenditures and requirements as needed; that Parex’s conduct and results of operations will be consistent with its expectations; that Parex will have the ability to develop its oil and gas properties in the manner currently contemplated; that Parex’s evaluation of its existing portfolio of development and exploration opportunities is consistent with its expectations; current or, where applicable, proposed industry conditions, laws and regulations will continue in effect or as anticipated as described herein; that the estimates of Parex’s production and reserves volumes and the assumptions related thereto (including commodity prices and development costs) are accurate in all material respects; that Parex will be able to obtain contract extensions or fulfill the contractual obligations required to retain its rights to explore, develop and exploit any of its undeveloped properties; that Parex will have sufficient financial resources to pay dividends and acquire shares pursuant to its NCIB in the future; that Parex is able to execute its plans with respect to the Company’s drilling program as disclosed herein; and other matters.

Management has included the above summary of assumptions and risks related to forward-looking information provided in this document in order to provide shareholders with a more complete perspective on Parex’s current and future operations and such information may not be appropriate for other purposes. Parex’s actual results, performance or achievement could differ materially from those expressed in, or implied by, these forward-looking statements and, accordingly, no assurance can be given that any of the events anticipated by the forward-looking statements will transpire or occur, or if any of them do, what benefits Parex will derive. These forward-looking statements are made as of the date of this document and Parex disclaims any intent or obligation to update publicly any forward-looking statements, whether as a result of new information, future events or results or otherwise, other than as required by applicable securities laws.

This press release contains information that may be considered a financial outlook under applicable securities laws about the Company’s potential financial position, including, but not limited to; Parex’s FY 2025 capital expenditure guidance; Parex 2025 guidance, including anticipated Brent crude oil average prices, funds flow provided by operations netback; funds flow provided by operations, capital expenditures, free funds flow; and the anticipated terms of the Company’s Q2 2025 regular quarterly dividend including its expectation that it will be designated as an “eligible dividend”, all of which are subject to numerous assumptions, risk factors, limitations and qualifications, including those set forth in the above paragraphs. The actual results of operations of the Company and the resulting financial results will vary from the amounts set forth in this press release and such variations may be material. This information has been provided for illustration only and with respect to future periods are based on budgets and forecasts that are speculative and are subject to a variety of contingencies and may not be appropriate for other purposes. Accordingly, these estimates are not to be relied upon as indicative of future results. Except as required by applicable securities laws, the Company undertakes no obligation to update such financial outlook. The financial outlook contained in this press release was made as of the date of this press release and was provided for the purpose of providing further information about the Company’s potential future business operations. Readers are cautioned that the financial outlook contained in this press release is not conclusive and is subject to change.

The following abbreviations used in this press release have the meanings set forth below:

bbl	one barrel
bbls	barrels
bbl/d	barrels per day
boe	barrels of oil equivalent of natural gas; one barrel of oil or natural gas liquids for six thousand cubic feet of natural gas
boe/d	barrels of oil equivalent of natural gas per day
mcf	thousand cubic feet
mcf/d	thousand cubic feet per day
W.I.	working interest

PDF available: http://ml.globenewswire.com/Resource/Download/974163af-5043-41d6-a129-53a272c53539

MIL-OSI Economics: RBI imposes monetary penalty on Shree Warana Sahakari Bank Limited, Warananagar, Maharashtra

Source: Reserve Bank of India

The Reserve Bank of India (RBI) has, by an order dated May 05, 2025, imposed a monetary penalty of ₹2.00 lakh (Rupees Two Lakh only) on Shree Warana Sahakari Bank Limited, Warananagar, Maharashtra (the bank) for contravention of the provisions of Section 26A read with Section 56 of the Banking Regulation Act, 1949 (BR Act). This penalty has been imposed in exercise of powers conferred on RBI under the provisions of Section 47A(1)(c) read with Sections 46(4)(i) and 56 of the BR Act.

The statutory inspection of the bank was conducted by RBI with reference to its financial position as on March 31, 2024. Based on supervisory findings of contravention of statutory provisions and related correspondence in that regard, a notice was issued to the bank advising it to show cause as to why penalty should not be imposed on it for its failure to comply with the said statutory provisions. After considering the bank’s reply to the notice, RBI found, inter alia, that the following charge against the bank was sustained, warranting imposition of monetary penalty:

The bank had failed to transfer eligible unclaimed amounts to the Depositor Education and Awareness Fund within the prescribed time.

This action is based on deficiencies in statutory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers. Further, imposition of monetary penalty is without prejudice to any other action that may be initiated by RBI against the bank.

(Puneet Pancholy)
Chief General Manager

Press Release: 2025-2026/284

MIL OSI Economics –

MIL-OSI Economics: India and Japan drive revenue growth among top 20 APAC banks as Chinese giants slow down, reveals GlobalData

Source: GlobalData

India and Japan drive revenue growth among top 20 APAC banks as Chinese giants slow down, reveals GlobalData

Posted in Business Fundamentals

The top 20 Asia-Pacific (APAC) banks saw a modest 6.5% increase in combined revenue from $1.6 trillion in 2023 to $1.75 trillion in 2024, driven by exceptional growth from Indian and Japanese banks. On the other hand, several Chinese banks faced stagnation or declines amid tighter regulations and slowing credit demand. This shift highlights evolving regional dynamics and signals changing leadership in APAC’s banking landscape, reveals GlobalData, a leading data and analytics company.

Murthy Grandhi, Company Profiles Analyst at GlobalData, comments: “APAC banking landscape witnessed a striking shift in momentum in 2024, as Indian and Japanese banks delivered powerful revenue growth, some of the China’s traditionally dominant institutions recorded either marginal gains or outright declines. It also reveals not just a reshuffling of leaders, but also deeper structural signals driven by macroeconomic realignments, domestic policy shifts, and evolving capital flows.”

Only three banks achieved revenue growth exceeding 40% in 2024: India’s HDFC Bank led with an impressive 89.5% year-on-year (YoY) increase, while Japan’s Sumitomo Mitsui Financial and Mizuho Financial followed with growth rates of 42.8% and 41.6%, respectively

Grandhi explains: “HDFC Bank’s rise can be attributed to its merger with HDFC Ltd., robust retail lending growth, and digital banking expansion. Likewise, State Bank of India recorded a 19.4% jump to $72 billion, fueled by rising credit demand in infrastructure, manufacturing, and rural segments.

“Japanese banks staged a strong comeback after years of modest performance. This surge is underpinned by enhanced cross-border M&A advisory, corporate lending in Southeast Asia, and increased activity in the green finance space.”

Japan-based Mitsubishi UFJ Financial posted an 11.7% increase to $81.7 billion, reflecting stronger domestic lending and strategic international acquisitions.

Chinese banks continued to dominate the revenue leaderboard, securing 11 of the top 20 positions. ICBC led with $227.9 billion in revenue, though it posted a slight YoY contraction of -0.6%. Similarly, China Construction Bank ($198.1 billion, -2%), Postal Savings Bank of China ($81.7 billion, -0.7%), and Shanghai Pudong Development Bank ($49.2 billion, -4.4%) reflected a slowdown. The declines stem from reduced credit demand, property sector headwinds, and the cautious lending stance amid tighter regulatory controls.

Nevertheless, Bank of China showed resilience with a 2.6% increase in revenue to $177.6 billion, supported by strong offshore financing operations and currency settlements, benefiting from the yuan’s expanding role in trade settlements.

Grandhi concludes: “As the global financial system braces for a volatile 2025, APAC banks are navigating a complex matrix of geopolitical tensions, tariff escalations, and tightening liquidity. The US-China trade recalibration, semiconductor export restrictions, and ongoing regional disputes could dampen cross-border capital flows and increase regulatory compliance costs.

“However, banks with strong domestic franchises, digital agility, and diversified international exposure, especially in India, Japan, and Australia, are better positioned to weather uncertainty and tap into structural growth trends, including fintech adoption, infrastructure financing, and ESG-related lending. The year ahead will test these institutions not just on balance sheet strength but on their ability to adapt strategically in an evolving global order.”

MIL OSI Economics –

May 9, 2025

MIL-OSI Europe: Minutes – Wednesday, 7 May 2025 – Strasbourg – Final edition

Source: European Parliament

PV-10-2025-05-07

iPlPv_Sit

Minutes

Wednesday, 7 May 2025 – Strasbourg

Abbreviations and symbols

+	adopted
–	rejected
↓	lapsed
W	withdrawn
RCV	roll-call votes
EV	electronic vote
SEC	secret ballot
split	split vote
sep	separate vote
am	amendment
CA	compromise amendment
CP	corresponding part
D	deleting amendment
=	identical amendments
§	paragraph

IN THE CHAIR: Martin HOJSÍK
Vice-President

1. Opening of the sitting

The sitting opened at 09:00.

2. Negotiations ahead of Parliament’s first reading (Rule 72) (action taken)

The decisions of the LIBE and PECH committees and (jointly) the SEDE and ITRE committees to enter into interinstitutional negotiations had been announced on 5 May 2025 (minutes of 5.5.2025, item 12).

Since no requests for vote had been made pursuant to Rule 72(2), the committees responsible had been able to begin negotiations after the expiry of the deadline set.

3. EU support for a just, sustainable and comprehensive peace in Ukraine (debate)

Council and Commission statements: EU support for a just, sustainable and comprehensive peace in Ukraine (2025/2685(RSP))

Adam Szłapka (President-in-Office of the Council) and Ursula von der Leyen (President of the Commission) made the statements.

The following spoke: Michael Gahler, on behalf of the PPE Group, Yannis Maniatis, on behalf of the S&D Group, Kinga Gál, on behalf of the PfE Group, Adam Bielan, on behalf of the ECR Group, Petras Auštrevičius, on behalf of the Renew Group, Terry Reintke, on behalf of the Verts/ALE Group, Özlem Demirel, on behalf of The Left Group, Hans Neuhoff, on behalf of the ESN Group, Sandra Kalniete, Thijs Reuten, Harald Vilimsky, who also declined to take a blue-card question from Moritz Körner, Alberico Gambino, Marie-Agnes Strack-Zimmermann, Virginijus Sinkevičius, Marc Botenga, who also answered a blue-card question from Sebastian Tynkkynen, Petar Volgin, Fidias Panayiotou, who also answered a blue-card question from Moritz Körner, Rasa Juknevičienė, Brando Benifei, Tom Vandendriessche, Mirosława Nykiel and Heléne Fritzon.

IN THE CHAIR: Christel SCHALDEMOSE
Vice-President

The following spoke: Beata Szydło, Nathalie Loiseau, Mika Aaltola, Francisco Assis, Hannah Neumann, Paulius Saudargas, Marcos Ros Sempere, Roberto Vannacci, Victor Negrescu, Aurelijus Veryga, Hilde Vautmans, Matej Tonin, Danilo Della Valle, Francisco José Millán Mon, Tonino Picula, Pierre-Romain Thionnet, Salvatore De Meo, Raphaël Glucksmann, Merja Kyllönen, Ingeborg Ter Laak, Elena Yoncheva, Seán Kelly, who also answered a blue-card question from Petras Gražulis, Joanna Scheuring-Wielgus, Tamás Deutsch, Rihards Kols, Helmut Brandstätter, Adrián Vázquez Lázara, Vilija Blinkevičiūtė, Krzysztof Hetman, Jonas Sjöstedt, Danuše Nerudová, Tobias Cremer, Tomasz Buczek, Małgorzata Gosiewska, Dan Barna, Wouter Beke, Ignazio Roberto Marino, Irene Montero and Ana Miguel Pedro.

The following spoke under the catch-the-eye procedure: Michał Szczerba, Juan Fernando López Aguilar, Viktória Ferenc, Arkadiusz Mularczyk, Dainius Žalimas, Jaume Asens Llodrà, Siegbert Frank Droese, Lukas Sieper, Maria Grapini, Damian Boeselager and Petras Gražulis.

The following spoke: Valdis Dombrovskis (Member of the Commission) and Adam Szłapka.

The debate closed.

(The sitting was suspended at 11:19.)

IN THE CHAIR: Roberta METSOLA
President

4. Resumption of the sitting

The sitting resumed at 11:35.

5. Commemoration of the 80th anniversary of the end of World War II in Europe

The President made a statement to mark the 80th anniversary of the end of World War II in Europe.

António Costa (President of the European Council), Robert Chot (Member of the Belgian Royal National Federation of War Volunteers), Janusz Komorowski (President of the Polish Association of Home Army Soldiers) and Janusz Maksymowicz (Vice-President of the Warsaw Uprising Insurgents Association), addressed the House.

The House stood for the European anthem performed by soprano Francesca Sorteni, accompanied by Thomas Gautier and Claire Rigaux on violin, Marie Viard on cello and Emma Errara on viola.

(The sitting was suspended for a few moments.)

6. Resumption of the sitting

The sitting resumed at 12:19.

⁂

The following spoke: Valérie Hayer (the President noted her remarks. She pointed out that serving Europe in the House of democracy was an honourable commitment and called for everyone to respect what this represented).

7. Welcome

On behalf of Parliament, the President welcomed Dr Denis Mukwege, winner of the 2014 Sakharov Prize and 2018 Nobel Peace Prize, who had taken his seat in the distinguished visitors’ gallery.

8. Voting time

For detailed results of the votes, see also ‘Results of votes’ and ‘Results of roll-call votes’.

8.1. Amending ERDF, Cohesion Fund and Just Transition Fund as regards specific measures to address strategic challenges in the context of the mid-term review ***I (vote)

Amending ERDF, Cohesion Fund and Just Transition Fund as regards specific measures to address strategic challenges in the context of the mid-term review – (COM(2025)0123 – C10-0063/2025 – 2025/0084(COD))

REQUEST FOR AN URGENT DECISION by the REGI Committee (Rule 170(5))

Approved

Vote: at a later part-session.

Detailed voting results

8.2. European Social Fund (ESF+): specific measures to address strategic challenges ***I (vote)

European Social Fund (ESF+): specific measures to address strategic challenges – (COM(2025)0164 – C10-0064/2025 – 2025/0085(COD))

REQUEST FOR AN URGENT DECISION by the EMPL Committee (Rule 170(5))

Approved

Vote: at a later part-session.

Detailed voting results

8.3. Discharge 2023: EU general budget – Commission, executive agencies and European Development Funds (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section III – Commission, executive agencies and the ninth, tenth and eleventh European Development Funds [COM(2024)0272 – C10-0067/2024 – 2024/2019(DEC)] – Committee on Budgetary Control. Rapporteur: Niclas Herbst (A10-0074/2025)

(Majority of the votes cast)

PROPOSALS FOR DECISIONS – Commission and executive agencies

Adopted (P10_TA(2025)0077)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

PROPOSALS FOR DECISIONS – European Development Funds – EDF (9th, 10th and 11th)

Adopted (P10_TA(2025)0077)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0077)

Detailed voting results

8.4. Discharge 2023: EU general budget – European Parliament (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section I – European Parliament [COM(2024)0272 – C10-0068/2024 – 2024/2020(DEC)] – Committee on Budgetary Control. Rapporteur: Monika Hohlmeier (A10-0062/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0078)

Detailed voting results

8.5. Discharge 2023: EU general budget – European Council and Council (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section II – European Council and Council [COM(2024)0272 – C10-0069/2024 – 2024/2021(DEC)] – Committee on Budgetary Control. Rapporteur: Joachim Stanisław Brudziński (A10-0052/2025)

PROPOSAL FOR A DECISION

Approved (P10_TA(2025)0079)

Discharge postponed (see Annex V, Article 5(1)(b) to the Rules of Procedure)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0079)

Detailed voting results

8.6. Discharge 2023: EU general budget – Court of Justice of the European Union (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section IV – Court of Justice [COM(2024)0272 – C10-0070/2024 – 2024/2022(DEC)] – Committee on Budgetary Control. Rapporteur: Cristian Terheş (A10-0050/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0080)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0080)

Detailed voting results

8.7. Discharge 2023: EU general budget – Court of Auditors (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section V – Court of Auditors [COM(2024)0272 – C10-0071/2024 – 2024/2023(DEC)] – Committee on Budgetary Control. Rapporteur: Dick Erixon (A10-0047/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0081)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0081)

Detailed voting results

8.8. Discharge 2023: EU general budget – European Economic and Social Committee (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section VI – European Economic and Social Committee [COM(2024)0272 – C10-0073/2024 – 2024/2025(DEC)] – Committee on Budgetary Control. Rapporteur: Joachim Stanisław Brudziński (A10-0054/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0082)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0082)

Detailed voting results

8.9. Discharge 2023: EU general budget – Committee of the Regions (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section VII – Committee of the Regions [COM(2024)0272 – C10-0074/2024 – 2024/2026(DEC)] – Committee on Budgetary Control. Rapporteur: Joachim Stanisław Brudziński (A10-0046/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0083)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0083)

Detailed voting results

8.10. Discharge 2023: EU general budget – European Ombudsman (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section VIII – European Ombudsman [COM(2024)0272 – C10-0075/2024 – 2024/2027(DEC)] – Committee on Budgetary Control. Rapporteur: Joachim Stanisław Brudziński (A10-0055/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0084)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0084)

Detailed voting results

8.11. Discharge 2023: EU general budget – European Data Protection Supervisor (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section IX – European Data Protection Supervisor [COM(2024)0272 – C10-0076/2024 – 2024/2028(DEC)] – Committee on Budgetary Control. Rapporteur: Joachim Stanisław Brudziński (A10-0053/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0085)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0085)

Detailed voting results

8.12. Discharge 2023: EU general budget – European External Action Service (vote)

Report on discharge in respect of the implementation of the general budget of the European Union for the financial year 2023, Section X – European External Action Service [COM(2024)0272 – C10-0072/2024 – 2024/2024(DEC)] – Committee on Budgetary Control. Rapporteur: Joachim Stanisław Brudziński (A10-0069/2025)

(Majority of the votes cast)

PROPOSAL FOR A DECISION

Adopted (P10_TA(2025)0086)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0086)

Detailed voting results

8.13. Discharge 2023: European Public Prosecutor’s Office (vote)

Report on discharge in respect of the implementation of the budget of the European Public Prosecutor’s Office for the financial year 2023 [COM(2024)0272 – C10-0077/2024 – 2024/2029(DEC)] – Committee on Budgetary Control. Rapporteur: Tomáš Zdechovský (A10-0051/2025)

(Majority of the votes cast)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0087)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0087)

Detailed voting results

8.14. Discharge 2023: Agencies (vote)

Report on discharge in respect of the implementation of the budget of the European Union Agencies for the financial year 2023 [COM(2024)0272 – C10-0078/2024 – 2024/2030(DEC)] – Committee on Budgetary Control. Rapporteur: Erik Marquardt (A10-0065/2025)

(Majority of the votes cast)

European Union Agency for the Cooperation of Energy Regulators (ACER)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Agency for Support for BEREC

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Translation Centre for the Bodies of the European Union (CdT)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Centre for the Development of Vocational Training (Cedefop)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Law Enforcement Training (CEPOL)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Aviation Safety Agency (EASA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Banking Authority (EBA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Centre for Disease Prevention and Control (ECDC)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Chemicals Agency (ECHA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Environment Agency (EEA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Fisheries Control Agency (EFCA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Food Safety Authority (EFSA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Institute for Gender Equality (EIGE)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Insurance and Occupational Pensions Authority (EIOPA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Institute of Innovation and Technology (EIT)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Labour Authority (ELA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Medicines Agency (EMA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Monitoring Centre for Drugs and Drug Addiction (now European Union Drugs Agency)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Maritime Safety Agency (EMSA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Cybersecurity (ENISA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Railways (ERA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Euratom Supply Agency (ESA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Securities and Markets Authority (ESMA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Training Foundation (ETF)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Asylum (EUAA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge and closure of the accounts was postponed (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for the Operational Management of Large-Scale IT Systems in the Area of Freedom, Security and Justice (eu-LISA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Agency for Safety and Health at Work (EU-OSHA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Foundation for the Improvement of Living and Working Conditions (Eurofound)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Criminal Justice Cooperation (Eurojust)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Law Enforcement Cooperation (Europol)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for the Space Programme (EUSPA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Union Agency for Fundamental Rights (FRA)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Border and Coast Guard Agency (Frontex)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0088)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0088)

Detailed voting results

8.15. Discharge 2023: Joint Undertakings (vote)

Report on discharge in respect of the implementation of the budget of the EU joint undertakings for the financial year 2023 [COM(2024)0272 – C10-0079/2024 – 2024/2031(DEC)] – Committee on Budgetary Control. Rapporteur: Michal Wiezik (A10-0056/2025)

(Majority of the votes cast)

Clean Aviation Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Circular Bio-based Europe Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Clean Hydrogen Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Europe’s Rail Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European High Performance Computing Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

European Joint Undertaking for ITER and the Development of Fusion Energy

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Global Health EDCTP3 Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Innovative Health Initiative Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Chips Joint Undertaking (before 21.9.2023: Key Digital Technologies Joint Undertaking)

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Single European Sky ATM Research 3 Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

Smart Networks and Services Joint Undertaking

PROPOSALS FOR DECISIONS

Adopted (P10_TA(2025)0089)

Discharge was granted and closure of the accounts approved (see Annex V, Article 5(1) to the Rules of Procedure).

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0089)

Detailed voting results

8.16. A revamped long-term budget for the Union in a changing world (vote)

Report on a revamped long-term budget for the Union in a changing world [2024/2051(INI)] – Committee on Budgets. Rapporteurs: Siegfried Mureşan and Carla Tavares (A10-0076/2025)

The debate had taken place on 6 May 2025 (minutes of 6.5.2025, item 9).

(Majority of the votes cast)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0090)

Detailed voting results

8.17. The European Water Resilience Strategy (vote)

Report on the European Water Resilience Strategy [2024/2104(INI)] – Committee on the Environment, Climate and Food Safety. Rapporteur: Thomas Bajada (A10-0073/2025)

The debate had taken place on 6 May 2025 (minutes of 6.5.2025, item 13).

(Majority of the votes cast)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0091)

Detailed voting results

8.18. 2023 and 2024 reports on Türkiye (vote)

2023 and 2024 Commission reports on Türkiye [2025/2023(INI)] – Committee on Foreign Affairs. Rapporteur: Nacho Sánchez Amor (A10-0067/2025)

The debate had taken place on 6 May 2025 (minutes of 6.5.2025, item 14).

(Majority of the votes cast)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0092)

The following had spoken:

Nacho Sánchez Amor (rapporteur), to move an oral amendment to add a new paragraph after paragraph 31. Parliament had agreed to put the oral amendment to the vote.

Jordan Bardella, to move an oral amendment to add a new paragraph after paragraph 36. Parliament had not agreed to put the oral amendment to the vote as more than 39 Members had opposed it.

Detailed voting results

8.19. 2023 and 2024 reports on Serbia (vote)

Report on the 2023 and 2024 Commission reports on Serbia [2025/2022(INI)] – Committee on Foreign Affairs. Rapporteur: Tonino Picula (A10-0072/2025)

The debate had taken place on 6 May 2025 (minutes of 6.5.2025, item 16).

(Majority of the votes cast)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0093)

The following had spoken:

Tonino Picula (rapporteur), to move an oral amendment to paragraph 23. Parliament had agreed to put the oral amendment to the vote.

Detailed voting results

8.20. 2023 and 2024 reports on Kosovo (vote)

Report on the 2023 and 2024 Commission Reports on Kosovo [2025/2019(INI)] – Committee on Foreign Affairs. Rapporteur: Riho Terras (A10-0075/2025)

The debate had taken place on 6 May 2025 (minutes of 6.5.2025, item 17).

(Majority of the votes cast)

MOTION FOR A RESOLUTION

Adopted (P10_TA(2025)0094)

Detailed voting results

(The sitting was suspended at 13:39.)

IN THE CHAIR: Javi LÓPEZ
Vice-President

9. Resumption of the sitting

The sitting resumed at 13:44.

10. Approval of the minutes of the previous sitting

The minutes of the previous sitting were approved.

11. Winning the global tech race: boosting innovation and closing funding gaps (topical debate)

The following spoke: Eva Maydell to open the debate proposed by the PPE Group.

The following spoke: Adam Szłapka (President-in-Office of the Council) and Costas Kadis (Member of the Commission).

The following spoke: Pablo Arias Echeverría, on behalf of the PPE Group, Alex Agius Saliba, on behalf of the S&D Group, Julie Rechagneux, on behalf of the PfE Group, Elena Donazzan, on behalf of the ECR Group, Christophe Grudler, on behalf of the Renew Group, Kim Van Sparrentak, on behalf of the Verts/ALE Group, Leila Chaibi, on behalf of The Left Group, Marcin Sypniewski, on behalf of the ESN Group, Tomislav Sokol, Christel Schaldemose, Kosma Złotowski, Svenja Hahn, David Cormand, Milan Mazurek, Massimiliano Salini, Giorgio Gori, Philippe Olivier, Charlie Weimers, Morten Løkkegaard, Eszter Lakos, Laura Ballarín Cereza, Diego Solier, Fernando Navarrete Rojas, Matthias Ecke, Mario Mantovani and Elena Sancho Murillo.

The following spoke: Costas Kadis and Adam Szłapka.

The debate closed.

12. Competition policy – annual report 2024 (debate)

Report on competition policy – annual report 2024 [2024/2079(INI)] – Committee on Economic and Monetary Affairs. Rapporteur: Lara Wolters (A10-0071/2025)

Lara Wolters introduced the report.

The following spoke: Teresa Ribera (Executive Vice-President of the Commission).

The following spoke: Andreas Schwab, on behalf of the PPE Group, and Thomas Bajada, on behalf of the S&D Group.

IN THE CHAIR: Antonella SBERNA
Vice-President

The following spoke: Pierre Pimpie, on behalf of the PfE Group, Francesco Ventola, on behalf of the ECR Group, Stéphanie Yon-Courtin, on behalf of the Renew Group, Kira Marie Peter-Hansen, on behalf of the Verts/ALE Group, Martin Schirdewan, on behalf of The Left Group, Rada Laykova, on behalf of the ESN Group, Markus Ferber, René Repasi, Enikő Győri, Marlena Maląg, Marie Toussaint, Marcin Sypniewski, Branislav Ondruš, who also answered a blue-card question from João Oliveira, Georgios Aftias, Nikos Papandreou, Dirk Gotink, Adnan Dibrani, Marco Falcone and Jonás Fernández.

The following spoke under the catch-the-eye procedure: Ralf Seekatz, Sebastian Tynkkynen, Petras Gražulis, João Oliveira and Alexander Jungbluth.

The following spoke: Teresa Ribera and Lara Wolters.

The debate closed.

Vote: 8 May 2025.

13. Resilience and the need to improve the interconnection of energy grid infrastructure in the EU: the first lessons from the blackout in the Iberian Peninsula (debate)

Council and Commission statements: Resilience and the need to improve the interconnection of energy grid infrastructure in the EU: the first lessons from the blackout in the Iberian Peninsula (2025/2686(RSP))

Adam Szłapka (President-in-Office of the Council) and Dan Jørgensen (Member of the Commission) made the statements.

The following spoke: Dolors Montserrat, on behalf of the PPE Group, Nicolás González Casares, on behalf of the S&D Group, Jorge Buxadé Villalba, on behalf of the PfE Group, Diego Solier, on behalf of the ECR Group, Anna Stürgkh, on behalf of the Renew Group, Diana Riba i Giner, on behalf of the Verts/ALE Group, Estrella Galán, on behalf of The Left Group, Petr Bystron, on behalf of the ESN Group, Paulo Cunha, who also answered a blue-card question from Petras Gražulis, Francisco Assis, António Tânger Corrêa, who also answered a blue-card question from Bruno Gonçalves, Patryk Jaki, Oihane Agirregoitia Martínez, Jaume Asens Llodrà, Irene Montero, Marc Jongen, Lefteris Nikolaou-Alavanos, François-Xavier Bellamy, who also answered a blue-card question from Nicolás González Casares, Sofie Eriksson, Paolo Borchia, Nora Junco García, Christophe Grudler, Pernando Barrena Arza, Pilar del Castillo Vera, who also declined to take a blue-card question from Nicolás González Casares, and Elena Sancho Murillo.

IN THE CHAIR: Christel SCHALDEMOSE
Vice-President

The following spoke: András Gyürk, Nicolas Bay, Michał Kobosko, João Oliveira, Ana Miguel Pedro, Bruno Gonçalves, Pascale Piera, Daniel Obajtek, Seán Kelly, Bruno Tobback, Georg Mayer, Aleksandar Nikolic and Juan Carlos Girauta Vidal.

The following spoke under the catch-the-eye procedure: Davor Ivo Stier, Susana Solís Pérez, Sebastian Tynkkynen, Maria Zacharia and Lukas Sieper.

The following spoke: Dan Jørgensen and Adam Szłapka.

The debate closed.

14. High levels of retail food prices and their consequences for European consumers (debate)

Council and Commission statements: High levels of retail food prices and their consequences for European consumers (2025/2687(RSP))

Adam Szłapka (President-in-Office of the Council) and Costas Kadis (Member of the Commission) made the statements.

The following spoke: Tomislav Sokol, on behalf of the PPE Group, Camilla Laureti, on behalf of the S&D Group, Gilles Pennelle, on behalf of the PfE Group, Stefano Cavedagna, on behalf of the ECR Group, Asger Christensen, on behalf of the Renew Group, David Cormand, on behalf of the Verts/ALE Group, Hanna Gedin, on behalf of The Left Group, Milan Mazurek, on behalf of the ESN Group, Carmen Crespo Díaz, Adnan Dibrani, Tomasz Buczek, Veronika Vrecionová, Christine Singer, Ana Miranda Paz, who also answered a blue-card question from João Oliveira, Konstantinos Arvanitis, who also answered a blue-card question from Rody Tolassy, Kateřina Konečná, Péter Magyar, Biljana Borzan, Marieke Ehlers, Sergio Berlato, Ciaran Mullooly, Marc Botenga, Nikolaos Anadiotis, Krzysztof Hetman, Pierfrancesco Maran, Barbara Bonte, Jessika Van Leeuwen, Laura Ballarín Cereza, Margarita de la Pisa Carrión and France Jamet.

IN THE CHAIR: Esteban GONZÁLEZ PONS
Vice-President

The following spoke under the catch-the-eye procedure: Cristina Maestre, Mireia Borrás Pabón, Csaba Dömötör, Sebastian Tynkkynen, Rasmus Andresen, Elena Kountoura, João Oliveira, Lukas Sieper and Maria Zacharia.

The following spoke: Costas Kadis and Adam Szłapka.

The debate closed.

15. Malta’s Golden Passport scheme circumventing EU sanctions against Russia (debate)

Council and Commission statements: Malta’s Golden Passport scheme circumventing EU sanctions against Russia (2025/2688(RSP))

Adam Szłapka (President-in-Office of the Council) and Michael McGrath (Member of the Commission) made the statements.

The following spoke: David Casa, on behalf of the PPE Group, Alex Agius Saliba, on behalf of the S&D Group, Jadwiga Wiśniewska, on behalf of the ECR Group, Raquel García Hermida-Van Der Walle, on behalf of the Renew Group, Saskia Bricmont, on behalf of the Verts/ALE Group, Giuseppe Antoci, on behalf of The Left Group, Luděk Niedermayer, Birgit Sippel, Georgiana Teodorescu, who also declined to take a blue-card question from Raquel García Hermida-Van Der Walle, Irena Joveva, Daniel Freund, Peter Agius, Thomas Bajada, who also answered a blue-card question from Raquel García Hermida-Van Der Walle and did not accept a blue-card question from Daniel Freund, Alice Teodorescu Måwe, Daniel Attard, who also answered a blue-card question from Daniel Freund, and Evelyn Regner.

The following spoke under the catch-the-eye procedure: Juan Fernando López Aguilar and Sebastian Tynkkynen.

The following spoke: Alex Agius Saliba (the President cut off the speaker as his remarks did not constitute a point of order).

The following spoke under the catch-the-eye procedure: Maria Zacharia.

The following spoke: Michael McGrath and Adam Szłapka.

The debate closed.

16. The role of gas storage for securing gas supplies ahead of the winter season (debate)

Report on the proposal for a regulation of the European Parliament and of the Council amending Regulation (EU) 2017/1938 as regards the role of gas storage for securing gas supplies ahead of the winter season [COM(2025)0099 – C10-0041/2025 – 2025/0051(COD)] – Committee on Industry, Research and Energy. Rapporteur: Borys Budka (A10-0079/2025)

Borys Budka introduced the report.

The following spoke: Dan Jørgensen (Member of the Commission).

The following spoke: Andrea Wechsler, on behalf of the PPE Group, Jens Geier, on behalf of the S&D Group, András Gyürk, on behalf of the PfE Group, Ondřej Krutílek, on behalf of the ECR Group, Yvan Verougstraete, on behalf of the Renew Group, Marie Toussaint, on behalf of the Verts/ALE Group, Dario Tamburrano, on behalf of The Left Group, Alexander Sell, on behalf of the ESN Group, Jüri Ratas, Nicolás González Casares, Julie Rechagneux, Michael Bloss, Thomas Geisel and Mirosława Nykiel.

IN THE CHAIR: Ewa KOPACZ
Vice-President

The following spoke: Michalis Hadjipantela and Virgil-Daniel Popescu.

The following spoke under the catch-the-eye procedure: Liudas Mažylis, Sebastian Tynkkynen, Marta Wcisło and Billy Kelleher.

The following spoke: Dan Jørgensen and Borys Budka.

The debate closed.

Vote: 8 May 2025.

17. Banking Union – annual report 2024 (debate)

Report on Banking Union – annual report 2024 [2024/2055(INI)] – Committee on Economic and Monetary Affairs. Rapporteur: Ralf Seekatz (A10-0044/2025)

Ralf Seekatz introduced the report.

The following spoke: Michael McGrath (Member of the Commission).

The following spoke: Marco Falcone, on behalf of the PPE Group, Jonás Fernández, on behalf of the S&D Group, Marlena Maląg, on behalf of the ECR Group, Billy Kelleher, on behalf of the Renew Group, Jussi Saramo, on behalf of The Left Group, Costas Mavrides and Giovanni Crosetto.

The following spoke under the catch-the-eye procedure: Marta Wcisło, Sebastian Tynkkynen and Lukas Sieper.

The following spoke: Michael McGrath and Ralf Seekatz.

The debate closed.

Vote: 8 May 2025.

18. The fine against TikTok and the need to strengthen the protection of citizens’ rights on social media platforms (debate)

Commission statement: The fine against TikTok and the need to strengthen the protection of citizens’ rights on social media platforms (2025/2704(RSP))

Michael McGrath (Member of the Commission) made the statement.

The following spoke: François-Xavier Bellamy, on behalf of the PPE Group, Alex Agius Saliba, on behalf of the S&D Group, Virginie Joron, on behalf of the PfE Group, Gheorghe Piperea, on behalf of the ECR Group, Veronika Cifrová Ostrihoňová, on behalf of the Renew Group, Alexandra Geese, on behalf of the Verts/ALE Group, Konstantinos Arvanitis, on behalf of The Left Group, Mary Khan, Pablo Arias Echeverría, Elisabeth Dieringer, Sandro Gozi, Fidias Panayiotou, Sunčana Glavak, Cynthia Ní Mhurchú and Moritz Körner.

The following spoke under the catch-the-eye procedure: Juan Fernando López Aguilar, Billy Kelleher and Lukas Sieper.

The following spoke: Michael McGrath.

The debate closed.

19. Debate on cases of breaches of human rights, democracy and the rule of law (debate)

(For the titles and authors of the motions for resolutions, see minutes of 7.5.2025, item I.)

19.1. Arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania

Motions for resolutions B10-0260/2025, B10-0261/2025, B10-0262/2025, B10-0263/2025, B10-0264/2025 and B10-0265/2025 (2025/2690(RSP))

Reinhold Lopatka, Marit Maij, Jan-Christoph Oetjen, Catarina Vieira and Tomasz Froelich introduced their groups’ motions for resolutions.

The following spoke under the catch-the-eye procedure: Lukas Sieper.

The following spoke: Michael McGrath (Member of the Commission).

The debate closed.

Vote: 8 May 2025.

19.2. Return of Ukrainian children forcibly transferred and deported by Russia

Motions for resolutions B10-0247/2025, B10-0249/2025, B10-0250/2025, B10-0252/2025, B10-0255/2025 and B10-0258/2025 (2025/2691(RSP))

Jessika Van Leeuwen, Thijs Reuten, Petras Auštrevičius, Villy Søvndal and Małgorzata Gosiewska introduced their groups’ motions for resolutions.

The following spoke: Michał Szczerba, on behalf of the PPE Group, and Pina Picierno, on behalf of the S&D Group.

IN THE CHAIR: Antonella SBERNA
Vice-President

The following spoke: Karin Karlsbro, on behalf of the Renew Group, Ingeborg Ter Laak, Sandra Gómez López, Charles Goerens, Lukas Mandl, Pierfrancesco Maran, Isabel Wiseler-Lima, Davor Ivo Stier and Alice Teodorescu Måwe.

The following spoke under the catch-the-eye procedure: Liudas Mažylis, Nikos Papandreou, Lukas Sieper and Marta Wcisło.

The following spoke: Michael McGrath (Member of the Commission).

The debate closed.

Vote: 8 May 2025.

19.3. Violations of religious freedom in Tibet

Motions for resolutions B10-0248/2025, B10-0251/2025, B10-0253/2025, B10-0254/2025, B10-0256/2025 and B10-0259/2025 (2025/2692(RSP))

Danuše Nerudová, Hannes Heide, Mariusz Kamiński, Engin Eroglu and Ville Niinistö introduced their groups’ motions for resolutions.

The following spoke: Michael McNamara, on behalf of the Renew Group.

The following spoke under the catch-the-eye procedure: Vytenis Povilas Andriukaitis and Lukas Sieper.

The following spoke: Michael McNamara, on the previous speaker’s comments, and Lukas Sieper on Michael McNamara’s contribution.

The following spoke: Michael McGrath (Member of the Commission).

The debate closed.

Vote: 8 May 2025.

20. Democratic legitimacy and the Commission’s continued authorisation of genetically modified organisms despite Parliament’s objections (debate)

Commission statement: Democratic legitimacy and the Commission’s continued authorisation of genetically modified organisms despite Parliament’s objections (2025/2645(RSP))

Olivér Várhelyi (Member of the Commission) made the statement.

The following spoke: Esther Herranz García, on behalf of the PPE Group, Biljana Borzan, on behalf of the S&D Group, Paolo Inselvini, on behalf of the ECR Group, Martin Häusling, on behalf of the Verts/ALE Group, Nikolas Farantouris, on behalf of The Left Group, Daniel Buda, Maria Noichl, Georgiana Teodorescu and Günther Sidl.

The following spoke under the catch-the-eye procedure: Kristian Vigenin, Diana Iovanovici Şoşoacă, Vytenis Povilas Andriukaitis and Lukas Sieper.

The following spoke: Olivér Várhelyi.

The debate closed.

21. The illegal visit of President Erdoğan to the occupied areas of Cyprus (debate)

Council and Commission statements: The illegal visit of President Erdoğan to the occupied areas of Cyprus (2025/2705(RSP))

Michael McGrath (Member of the Commission) made the statement on behalf of the Commission.

The following spoke: Loucas Fourlas, on behalf of the PPE Group, Costas Mavrides, on behalf of the S&D Group, Afroditi Latinopoulou, on behalf of the PfE Group, Geadis Geadi, on behalf of the ECR Group (the President reminded the speaker of the rules on conduct), Kai Tegethoff, on behalf of the Verts/ALE Group, and Irene Montero, on behalf of The Left Group.

The following spoke: Michael McGrath.

The debate closed.

22. Explanations of vote

22.1. Discharge 2023: EU general budget – European External Action Service (A10-0069/2025 – Joachim Stanisław Brudziński) (oral explanations of vote)

Lynn Boylan

22.2. Written explanations of vote

Explanations of vote submitted in writing under Rule 201 appear on the Members’ pages on Parliament’s website.

23. Agenda of the next sitting

The next sitting would be held the following day, 8 May 2025, starting at 09:00. The agenda was available on Parliament’s website.

24. Approval of the minutes of the sitting

In accordance with Rule 208(3), the minutes of the sitting would be put to the House for approval at the beginning of the afternoon of the next sitting.

25. Closure of the sitting

The sitting closed at 22:21.

LIST OF DOCUMENTS SERVING AS A BASIS FOR THE DEBATES AND DECISIONS OF PARLIAMENT

I. Motions for resolutions tabled

Arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania

The following Members or political groups had requested that a debate be held, in accordance with Rule 150, on the following motions for resolutions:

on the arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania (2025/2690(RSP)) (B10-0260/2025)
Catarina Vieira, Nicolae Ştefănuță, Mounir Satouri, Maria Ohisalo, Mélissa Camara, Ville Niinistö
on behalf of the Verts/ALE Group

on the arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania (2025/2690(RSP)) (B10-0261/2025)
Yannis Maniatis, Francisco Assis, Marit Maij
on behalf of the S&D Group

on the arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania (2025/2690(RSP)) (B10-0262/2025)
Tomasz Froelich
on behalf of the ESN Group

on the arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania (2025/2690(RSP)) (B10-0263/2025)
Jan-Christoph Oetjen, Oihane Agirregoitia Martínez, Petras Auštrevičius, Malik Azmani, Dan Barna, Benoit Cassart, Olivier Chastel, Engin Eroglu, Svenja Hahn, Ilhan Kyuchyuk, Karin Karlsbro, Moritz Körner, Urmas Paet, Marie-Agnes Strack-Zimmermann, Hilde Vautmans, Michal Wiezik, Lucia Yar
on behalf of the Renew Group

on the arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania (2025/2690(RSP)) (B10-0264/2025)
Sebastião Bugalho, Reinhold Lopatka, Michael Gahler, David McAllister, Antonio López-Istúriz White, Ana Miguel Pedro, Davor Ivo Stier, Tomas Tobé, Liudas Mažylis, Ingeborg Ter Laak, Isabel Wiseler-Lima, Mirosława Nykiel, Wouter Beke, Luděk Niedermayer, Vangelis Meimarakis, Milan Zver, Tomáš Zdechovský, Danuše Nerudová, Miriam Lexmann, Jan Farský, Loránt Vincze, Jessica Polfjärd, Andrey Kovatchev, Inese Vaidere
on behalf of the PPE Group

on the arrest and risk of execution of Tundu Lissu, Chair of Chadema, the main opposition party in Tanzania (2025/2690(RSP)) (B10-0265/2025)
Adam Bielan, Sebastian Tynkkynen, Waldemar Tomaszewski, Ondřej Krutílek, Veronika Vrecionová, Alexandr Vondra, Joachim Stanisław Brudziński, Ivaylo Valchev, Jadwiga Wiśniewska, Assita Kanko, Alberico Gambino, Carlo Fidanza
on behalf of the ECR Group

Return of Ukrainian children forcibly transferred and deported by Russia

The following Members or political groups had requested that a debate be held, in accordance with Rule 150, on the following motions for resolutions:

on the return of Ukrainian children forcibly transferred and deported by Russia (2025/2691(RSP)) (B10-0247/2025)
Merja Kyllönen
on behalf of The Left Group

on the return of Ukrainian children forcibly transferred and deported by Russia (2025/2691(RSP)) (B10-0249/2025)
Villy Søvndal, Sergey Lagodinsky, Nicolae Ştefănuță, Mounir Satouri, Maria Ohisalo, Catarina Vieira, Ville Niinistö
on behalf of the Verts/ALE Group

on the return of Ukrainian children forcibly transferred and deported by Russia (2025/2691(RSP)) (B10-0250/2025)
Yannis Maniatis, Francisco Assis, Thijs Reuten, Evin Incir, Pina Picierno
on behalf of the S&D Group

on the return of Ukrainian children forcibly transferred and deported by Russia (2025/2691(RSP)) (B10-0252/2025)
Petras Auštrevičius, Oihane Agirregoitia Martínez, Abir Al-Sahlani, Malik Azmani, Dan Barna, Helmut Brandstätter, Benoit Cassart, Olivier Chastel, Veronika Cifrová Ostrihoňová, Engin Eroglu, Svenja Hahn, Karin Karlsbro, Ľubica Karvašová, Moritz Körner, Ilhan Kyuchyuk, Nathalie Loiseau, Jan-Christoph Oetjen, Urmas Paet, Marie-Agnes Strack-Zimmermann, Eugen Tomac, Hilde Vautmans, Lucia Yar, Michał Kobosko
on behalf of the Renew Group

on the return of Ukrainian children forcibly transferred and deported by Russia (2025/2691(RSP)) (B10-0255/2025)
Sebastião Bugalho, Jessika Van Leeuwen, Michael Gahler, David McAllister, Sandra Kalniete, Andrzej Halicki, Antonio López-Istúriz White, Ana Miguel Pedro, Dariusz Joński, Davor Ivo Stier, Tomas Tobé, Reinhold Lopatka, Liudas Mažylis, Ingeborg Ter Laak, Isabel Wiseler-Lima, Mirosława Nykiel, Wouter Beke, Luděk Niedermayer, Vangelis Meimarakis, Milan Zver, Tomáš Zdechovský, Danuše Nerudová, Miriam Lexmann, Ondřej Kolář, Jan Farský, Loránt Vincze, Jessica Polfjärd, Andrey Kovatchev, Ewa Kopacz, Matej Tonin, Inese Vaidere
on behalf of the PPE Group

on the return of Ukrainian children forcibly transferred and deported by Russia (2025/2691(RSP)) (B10-0258/2025)
Adam Bielan, Mariusz Kamiński, Małgorzata Gosiewska, Sebastian Tynkkynen, Michał Dworczyk, Veronika Vrecionová, Ondřej Krutílek, Jaak Madison, Alexandr Vondra, Arkadiusz Mularczyk, Bogdan Rzońca, Roberts Zīle, Ivaylo Valchev, Joachim Stanisław Brudziński, Assita Kanko, Aurelijus Veryga, Jadwiga Wiśniewska, Rihards Kols, Maciej Wąsik, Marlena Maląg, Charlie Weimers, Cristian Terheş
on behalf of the ECR Group

Violations of religious freedom in Tibet

The following Members or political groups had requested that a debate be held, in accordance with Rule 150, on the following motions for resolutions:

on the violations of religious freedom in Tibet (2025/2692(RSP)) (B10-0248/2025)
Ville Niinistö, Catarina Vieira, Maria Ohisalo, Erik Marquardt, Nicolae Ştefănuță, Mounir Satouri, Leoluca Orlando
on behalf of the Verts/ALE Group

on the violations of religious freedom in Tibet (2025/2692(RSP)) (B10-0251/2025)
Yannis Maniatis, Francisco Assis, Hannes Heide
on behalf of the S&D Group

on the violations of religious freedom in Tibet (2025/2692(RSP)) (B10-0253/2025)
Hermann Tertsch, Jorge Martín Frías, Jaroslav Bžoch, Susanna Ceccardi
on behalf of the PfE Group

on the violations of religious freedom in Tibet (2025/2692(RSP)) (B10-0254/2025)
Engin Eroglu, Oihane Agirregoitia Martínez, Petras Auštrevičius, Malik Azmani, Dan Barna, Helmut Brandstätter, Benoit Cassart, Olivier Chastel, Bernard Guetta, Svenja Hahn, Ľubica Karvašová, Moritz Körner, Ilhan Kyuchyuk, Nathalie Loiseau, Karin Karlsbro, Jan-Christoph Oetjen, Marie-Agnes Strack-Zimmermann, Lucia Yar, Dainius Žalimas
on behalf of the Renew Group

on the violations of religious freedom in Tibet (2025/2692(RSP)) (B10-0256/2025)
Sebastião Bugalho, Danuše Nerudová, Michael Gahler, Antonio López-Istúriz White, Ana Miguel Pedro, Davor Ivo Stier, Tomas Tobé, Reinhold Lopatka, Liudas Mažylis, Ingeborg Ter Laak, Isabel Wiseler-Lima, Mirosława Nykiel, Wouter Beke, Luděk Niedermayer, Vangelis Meimarakis, Milan Zver, Tomáš Zdechovský, Miriam Lexmann, Ondřej Kolář, Jan Farský, Loránt Vincze, Jessica Polfjärd, Andrey Kovatchev, Inese Vaidere
on behalf of the PPE Group

on the violations of religious freedom in Tibet (2025/2692(RSP)) (B10-0259/2025)
Adam Bielan, Mariusz Kamiński, Waldemar Tomaszewski, Alberico Gambino, Sebastian Tynkkynen, Carlo Fidanza, Małgorzata Gosiewska, Ondřej Krutílek, Veronika Vrecionová, Assita Kanko, Michał Dworczyk, Arkadiusz Mularczyk, Bogdan Rzońca, Alexandr Vondra, Joachim Stanisław Brudziński, Jadwiga Wiśniewska, Maciej Wąsik, Marlena Maląg
on behalf of the ECR Group

II. Delegated acts (Rule 114(2))

Draft delegated acts forwarded to Parliament

– Commission Delegated Regulation supplementing Regulation (EU) 2023/2631 of the European Parliament and of the Council by establishing the content, methodologies, and presentation of the information to be voluntarily disclosed by issuers of bonds marketed as environmentally sustainable or of sustainability-linked bonds in the templates for periodic post-issuance disclosures (C(2025)00005 – 2025/2674(DEA))

Deadline for raising objections: 3 months from the date of receipt of 16 April 2025

referred to committee responsible: ECON

– Commission Delegated Regulation supplementing Regulation (EU) 2023/2631of the European Parliament and of the Council by specifying rules of procedure for the exercise of the power to impose fines or periodic penalty payments by the European Securities and Markets Authority on external reviewers (C(2025)00006 – 2025/2676(DEA))

Deadline for raising objections: 3 months from the date of receipt of 16 April 2025

referred to committee responsible: ECON

– Commission Delegated Regulation supplementing Regulation (EU) 2023/2631 of the European Parliament and of the Council by specifying the type of fees to be charged by ESMA to external reviewers of European Green Bonds, the matters in respect of which fees are due, the amount of the fees, and the manner in which those fees are to be paid (C(2025)00007 – 2025/2677(DEA))

Deadline for raising objections: 3 months from the date of receipt of 16 April 2025

referred to committee responsible: ECON

– Commission Delegated Regulation supplementing Directive 2013/36/EU of the European Parliament and of the Council with regard to regulatory technical standards specifying the general conditions for the functioning of supervisory colleges, and repealing Commission Delegated Regulation (EU) 2016/98 (C(2025)00701 – 2025/2678(DEA))

Deadline for raising objections: 3 months from the date of receipt of 23 April 2025

referred to committee responsible: ECON

– Commission Delegated Regulation amending Regulation (EU) 2023/1804 of the European Parliament and of the Council as regards additional data types on alternative fuels infrastructure (C(2025)01912 – 2025/2661(DEA))

Deadline for raising objections: 2 months from the date of receipt of 2 April 2025

referred to committee responsible: TRAN

– Commission Delegated Regulation supplementing Regulation (EU) 2023/1804 of the European Parliament and of the Council as regards common technical requirements for a common application programme interface (C(2025)01913 – 2025/2659(DEA))

Deadline for raising objections: 2 months from the date of receipt of 2 April 2025

referred to committee responsible: TRAN

– Commission Delegated Regulation amending Regulation (EC) No 1272/2008 of the European Parliament and of the Council as regards the harmonised classification and labelling of certain substances (C(2025)01916 – 2025/2660(DEA))

Deadline for raising objections: 2 months from the date of receipt of 2 April 2025

referred to committee responsible: ENVI
opinion: IMCO

– Commission Delegated Regulation amending Regulation (EU) 2023/1804 of the European Parliament and of the Council as regards standards for wireless recharging, electric road system, vehicle-to-grid communication and hydrogen supply for road transport vehicles (C(2025)01918 – 2025/2662(DEA))

Deadline for raising objections: 2 months from the date of receipt of 2 April 2025

referred to committee responsible: TRAN

– Commission Delegated Regulation amending Delegated Regulation (EU) 2015/68 and Delegated Regulation (EU) 2015/208 with regard to vehicle braking requirements and to vehicle functional safety requirements for agricultural and forestry vehicles (C(2025)01944 – 2025/2663(DEA))

Deadline for raising objections: 2 months from the date of receipt of 3 April 2025

referred to committee responsible: IMCO

– Commission Delegated Regulation amending Delegated Regulation (EU) 2023/205 as regards the European Maritime Single Window environment data set (C(2025)02021 – 2025/2667(DEA))

Deadline for raising objections: 2 months from the date of receipt of 7 April 2025

referred to committee responsible: TRAN

– Commission Delegated Regulation supplementing Regulation (EU) No 305/2011 of the European Parliament and of the Council by establishing threshold levels and classes of performance for permanent anchor devices and safety hooks (C(2025)02119 – 2025/2670(DEA))

Deadline for raising objections: 3 months from the date of receipt of 9 April 2025

referred to committee responsible: IMCO

– Commission Delegated Directive amending Directive 2005/36/EC of the European Parliament and of the Council as regards the minimum training requirements for the profession of veterinary surgeon (C(2025)02128 – 2025/2671(DEA))

Deadline for raising objections: 2 months from the date of receipt of 10 April 2025

referred to committee responsible: IMCO

– Commission Delegated Regulation amending Regulation (EU) 2019/1021 of the European Parliament and of the Council as regards perfluorooctane sulfonic acid and its derivatives (C(2025)02189 – 2025/2672(DEA))

Deadline for raising objections: 2 months from the date of receipt of 14 April 2025

referred to committee responsible: ENVI

– Commission delegated decision on the unilateral inclusion of sectors by Finland in the emissions trading system within the Union for buildings, road transport and additional sectors pursuant to Article 30j of Directive 2003/87/EC of the European Parliament and of the Council (C(2025)02232 – 2025/2673(DEA))

Deadline for raising objections: 2 months from the date of receipt of 15 April 2025

referred to committee responsible: ENVI
opinion: ITRE

– Commission Delegated Regulation amending Delegated Regulation (EU) 2023/2197 as regards the date of application (C(2025)02258 – 2025/2675(DEA))

Deadline for raising objections: 3 months from the date of receipt of 16 April 2025

referred to committee responsible: SANT

– Commission Delegated Regulation supplementing Regulation (EU) No 575/2013 of the European Parliament and of the Council with regard to regulatory technical standards specifying the conditions and indicators that the EBA is to use to determine whether extraordinary circumstances in the sense of Article 325az(5) and Article 325bf(6) of that Regulation have occurred (C(2025)02287 – 2025/2679(DEA))

Deadline for raising objections: 3 months from the date of receipt of 23 April 2025

referred to committee responsible: ECON

– Commission Delegated Regulation supplementing Regulation (EU) 2023/1114 of the European Parliament and of the Council with regard to regulatory technical standards specifying the arrangements, systems and procedures to prevent, detect and report market abuse, the templates to be used for reporting suspected market abuse, and the coordination procedures between the competent authorities for the detection and sanctioning of market abuse in cross-border market abuse situations (C(2025)02480 – 2025/2684(DEA))

Deadline for raising objections: 3 months from the date of receipt of 29 April 2025

referred to committee responsible: ECON

– Commission Delegated Regulation amending Annex I to Regulation (EU) 2019/1021 of the European Parliament and of the Council as regards perfluorooctanoic acid (PFOA), its salts and PFOA-related compounds (C(2025)02566 – 2025/2701(DEA))

Deadline for raising objections: 2 months from the date of receipt of 5 May 2025

referred to committee responsible: ENVI

– Commission Delegated Regulation (EU)…/ … amending Annex I to Regulation (EU) 2019/1021 of the European Parliament and of the Council as regards UV-328 (C(2025)02567 – 2025/2703(DEA))

Deadline for raising objections: 2 months from the date of receipt of 5 May 2025

referred to committee responsible: ENVI

– Commission Delegated Regulation amending Delegated Regulation (EU) 2024/2910 on the implementation of the Union’s international obligations, as referred to in Article 15(2) of Regulation (EU) No 1380/2013 of the European Parliament and of the Council, under the General Fisheries Commission for the Mediterranean (C(2025)02570 – 2025/2702(DEA))

Deadline for raising objections: 2 months from the date of receipt of 5 May 2025

referred to committee responsible: PECH

III. Implementing measures (Rule 115)

Draft implementing measures falling under the regulatory procedure with scrutiny forwarded to Parliament

– Commission Regulation correcting certain language versions of Regulation (EU) No 142/2011 implementing Regulation (EC) No 1069/2009 of the European Parliament and of the Council laying down health rules as regards animal by-products and derived products not intended for human consumption and implementing Council Directive 97/78/EC as regards certain samples and items exempt from veterinary checks at the border under that Directive (D010438/05 – 2025/2693(RPS) – deadline: 22 July 2025)
referred to committee responsible: ENVI
opinion: AGRI

– Commission Regulation amending Annex II to Regulation (EC) No 396/2005 of the European Parliament and of the Council as regards maximum residue levels for acetamiprid in or on certain products (D102375/03 – 2025/2664(RPS) – deadline: 4 June 2025)
referred to committee responsible: ENVI

– Commission Regulation amending Annex III to Regulation (EC) No 1333/2008 of the European Parliament and of the Council as regards the use of polyvinylpolypyrrolidone (E 1202) as a carrier in colour tablets for the decorative colouring of poultry eggshells (D106245/02 – 2025/2680(RPS) – deadline: 29 June 2025)
referred to committee responsible: ENVI

– Commission Regulation amending Regulation (EU) 2023/915 as regards maximum levels of inorganic arsenic in fish and other seafood (D106246/02 – 2025/2681(RPS) – deadline: 29 July 2025)
referred to committee responsible: ENVI

IV. Documents received

The following documents had been received from other institutions:

– Proposal for transfer of appropriations DEC 05/2025 – Section III – Commission (N10-0013/2025 – C10-0065/2025 – 2025/2078(GBD))
referred to committee responsible: BUDG

– Proposal for transfer of appropriations INF 1/2025 – Section VI – Economic and Social Committee (N10-0014/2025 – C10-0078/2025 – 2025/2091(GBD))
referred to committee responsible: BUDG

– Proposal for transfer of appropriations No. 2/2025 – Section IX – European Data Protection Supervisor (N10-0015/2025 – C10-0079/2025 – 2025/2092(GBD))
referred to committee responsible: BUDG

V. Transfers of appropriations and budgetary decisions

In accordance with Article 31(1) of the Financial Regulation, the Committee on Budgets had decided to approve the European Commission’s transfers of appropriations DEC 03/2025 and DEC 04/2025 – Section III – Commission.

In accordance with Article 31(6) of the Financial Regulation, the Council of the European Union had decided to approve the European Commission’s transfers of appropriations DEC 03/2025 and DEC 04/2025 – Section III – Commission.

ATTENDANCE REGISTER

Present:

Aaltola Mika, Abadía Jover Maravillas, Adamowicz Magdalena, Aftias Georgios, Agirregoitia Martínez Oihane, Agius Peter, Agius Saliba Alex, Alexandraki Galato, Allione Grégory, Al-Sahlani Abir, Anadiotis Nikolaos, Anderson Christine, Andersson Li, Andresen Rasmus, Andrews Barry, Andriukaitis Vytenis Povilas, Androuët Mathilde, Angel Marc, Annemans Gerolf, Annunziata Lucia, Antoci Giuseppe, Arias Echeverría Pablo, Arimont Pascal, Arłukowicz Bartosz, Arnaoutoglou Sakis, Arndt Anja, Arvanitis Konstantinos, Asens Llodrà Jaume, Assis Francisco, Attard Daniel, Aubry Manon, Auštrevičius Petras, Axinia Adrian-George, Azmani Malik, Bajada Thomas, Baljeu Jeannette, Ballarín Cereza Laura, Bardella Jordan, Barna Dan, Barrena Arza Pernando, Bartulica Stephen Nikola, Bartůšek Nikola, Bay Nicolas, Bay Christophe, Beke Wouter, Beleris Fredis, Bellamy François-Xavier, Benea Dragoş, Benifei Brando, Benjumea Benjumea Isabel, Beňová Monika, Berendsen Tom, Berger Stefan, Berlato Sergio, Bernhuber Alexander, Biedroń Robert, Bielan Adam, Bischoff Gabriele, Blaha Ľuboš, Blinkevičiūtė Vilija, Blom Rachel, Bloss Michael, Bocheński Tobiasz, Boeselager Damian, Bogdan Ioan-Rareş, Bonaccini Stefano, Bonte Barbara, Borchia Paolo, Borrás Pabón Mireia, Borvendég Zsuzsanna, Borzan Biljana, Bosanac Gordan, Boßdorf Irmhild, Bosse Stine, Botenga Marc, Boyer Gilles, Boylan Lynn, Brandstätter Helmut, Brasier-Clain Marie-Luce, Bricmont Saskia, Brnjac Nikolina, Brudziński Joachim Stanisław, Bryłka Anna, Buchheit Markus, Buczek Tomasz, Buda Daniel, Buda Waldemar, Budka Borys, Bugalho Sebastião, Buła Andrzej, Bullmann Udo, Burkhardt Delara, Buxadé Villalba Jorge, Bystron Petr, Bžoch Jaroslav, Camara Mélissa, Canfin Pascal, Carberry Nina, Cârciu Gheorghe, Carême Damien, Casa David, Caspary Daniel, Cassart Benoit, Castillo Laurent, del Castillo Vera Pilar, Cavazzini Anna, Cavedagna Stefano, Cepeda José, Ceulemans Estelle, Chahim Mohammed, Chaibi Leila, Chastel Olivier, Chinnici Caterina, Christensen Asger, Ciccioli Carlo, Cifrová Ostrihoňová Veronika, Ciriani Alessandro, Cisint Anna Maria, Clausen Per, Clergeau Christophe, Cormand David, Corrado Annalisa, Costanzo Vivien, Cotrim De Figueiredo João, Cowen Barry, Cremer Tobias, Crespo Díaz Carmen, Cristea Andi, Crosetto Giovanni, Cunha Paulo, Dahl Henrik, Danielsson Johan, Dauchy Marie, Dávid Dóra, David Ivan, Decaro Antonio, de la Hoz Quintano Raúl, Della Valle Danilo, Deloge Valérie, De Masi Fabio, De Meo Salvatore, Demirel Özlem, Deutsch Tamás, Devaux Valérie, Dibrani Adnan, Diepeveen Ton, Dieringer Elisabeth, Dîncu Vasile, Di Rupo Elio, Disdier Mélanie, Dobrev Klára, Doherty Regina, Doleschal Christian, Dömötör Csaba, Do Nascimento Cabral Paulo, Donazzan Elena, Dorfmann Herbert, Dostalova Klara, Dostál Ondřej, Droese Siegbert Frank, Dworczyk Michał, Ecke Matthias, Ehler Christian, Ehlers Marieke, Eriksson Sofie, Erixon Dick, Eroglu Engin, Estaràs Ferragut Rosa, Everding Sebastian, Falcă Gheorghe, Falcone Marco, Farantouris Nikolas, Farreng Laurence, Farský Jan, Ferber Markus, Ferenc Viktória, Fernández Jonás, Fidanza Carlo, Fiocchi Pietro, Firea Gabriela, Firmenich Ruth, Fita Claire, Fourlas Loucas, Fourreau Emma, Fragkos Emmanouil, Freund Daniel, Frigout Anne-Sophie, Fritzon Heléne, Froelich Tomasz, Fuglsang Niels, Funchion Kathleen, Furet Angéline, Furore Mario, Gahler Michael, Gál Kinga, Galán Estrella, Gálvez Lina, Gambino Alberico, García Hermida-Van Der Walle Raquel, Garraud Jean-Paul, Gasiuk-Pihowicz Kamila, Geadi Geadis, Gedin Hanna, Geese Alexandra, Geier Jens, Geisel Thomas, Gemma Chiara, Georgiou Giorgos, Gerbrandy Gerben-Jan, Germain Jean-Marc, Gerzsenyi Gabriella, Geuking Niels, Gieseke Jens, Giménez Larraz Borja, Girauta Vidal Juan Carlos, Glavak Sunčana, Glück Andreas, Glucksmann Raphaël, Goerens Charles, Gomart Christophe, Gomes Isilda, Gómez López Sandra, Gonçalves Bruno, Gonçalves Sérgio, González Casares Nicolás, González Pons Esteban, Gori Giorgio, Gosiewska Małgorzata, Gotink Dirk, Gozi Sandro, Grapini Maria, Gražulis Petras, Grims Branko, Griset Catherine, Gronkiewicz-Waltz Hanna, Groothuis Bart, Grossmann Elisabeth, Grudler Christophe, Gualmini Elisabetta, Guarda Cristina, Győri Enikő, Gyürk András, Hadjipantela Michalis, Hahn Svenja, Haider Roman, Halicki Andrzej, Hansen Niels Flemming, Hauser Gerald, Häusling Martin, Hava Mircea-Gheorghe, Heide Hannes, Heinäluoma Eero, Henriksson Anna-Maja, Herbst Niclas, Herranz García Esther, Hetman Krzysztof, Hohlmeier Monika, Hojsík Martin, Holmgren Pär, Hölvényi György, Homs Ginel Alicia, Humberto Sérgio, Imart Céline, Incir Evin, Inselvini Paolo, Iovanovici Şoşoacă Diana, Jamet France, Jarubas Adam, Jerković Romana, Jongen Marc, Joński Dariusz, Joron Virginie, Jouvet Pierre, Joveva Irena, Juknevičienė Rasa, Junco García Nora, Jungbluth Alexander, Kabilov Taner, Kalfon François, Kaliňák Erik, Kaljurand Marina, Kalniete Sandra, Kamiński Mariusz, Karlsbro Karin, Kartheiser Fernand, Karvašová Ľubica, Katainen Elsi, Kefalogiannis Emmanouil, Kelleher Billy, Keller Fabienne, Kelly Seán, Kennes Rudi, Khan Mary, Kircher Sophia, Knafo Sarah, Knotek Ondřej, Kobosko Michał, Köhler Stefan, Kohut Łukasz, Kokalari Arba, Kolář Ondřej, Kols Rihards, Konečná Kateřina, Kopacz Ewa, Körner Moritz, Kountoura Elena, Kovařík Ondřej, Kovatchev Andrey, Krištopans Vilis, Kruis Sebastian, Krutílek Ondřej, Kubín Tomáš, Kuhnke Alice, Kulja András Tivadar, Kulmuni Katri, Kyllönen Merja, Kyuchyuk Ilhan, Lakos Eszter, Lalucq Aurore, Lange Bernd, Langensiepen Katrin, Laššáková Judita, László András, Latinopoulou Afroditi, Laurent Murielle, Laureti Camilla, Laykova Rada, Lazarov Ilia, Le Callennec Isabelle, Leggeri Fabrice, Lenaers Jeroen, Leonardelli Julien, Lewandowski Janusz, Lexmann Miriam, Liese Peter, Loiseau Nathalie, Løkkegaard Morten, Lopatka Reinhold, López Javi, López Aguilar Juan Fernando, López-Istúriz White Antonio, Lövin Isabella, Lucano Mimmo, Luena César, Łukacijewska Elżbieta Katarzyna, Lupo Giuseppe, McAllister David, Madison Jaak, Maestre Cristina, Magoni Lara, Magyar Péter, Maij Marit, Maląg Marlena, Manda Claudiu, Mandl Lukas, Maniatis Yannis, Mantovani Mario, Maran Pierfrancesco, Marczułajtis-Walczak Jagna, Maréchal Marion, Mariani Thierry, Marino Ignazio Roberto, Marquardt Erik, Martín Frías Jorge, Martusciello Fulvio, Marzà Ibáñez Vicent, Mato Gabriel, Mavrides Costas, Maydell Eva, Mayer Georg, Mazurek Milan, Mažylis Liudas, McNamara Michael, Mebarek Nora, Meimarakis Vangelis, Meleti Eleonora, Mendes Ana Catarina, Mendia Idoia, Mertens Verena, Mesure Marina, Metsola Roberta, Metz Tilly, Mikser Sven, Milazzo Giuseppe, Millán Mon Francisco José, Minchev Nikola, Miranda Paz Ana, Molnár Csaba, Montero Irene, Montserrat Dolors, Morace Carolina, Morano Nadine, Moratti Letizia, Moreira de Sá Tiago, Moreno Sánchez Javier, Moretti Alessandra, Motreanu Dan-Ştefan, Mularczyk Arkadiusz, Müller Piotr, Mullooly Ciaran, Mureşan Siegfried, Muşoiu Ştefan, Nagyová Jana, Navarrete Rojas Fernando, Negrescu Victor, Nemec Matjaž, Nerudová Danuše, Nesci Denis, Neuhoff Hans, Neumann Hannah, Nevado del Campo Elena, Nica Dan, Niebler Angelika, Niedermayer Luděk, Niinistö Ville, Nikolaou-Alavanos Lefteris, Nikolic Aleksandar, Ní Mhurchú Cynthia, Noichl Maria, Nordqvist Rasmus, Novakov Andrey, Nykiel Mirosława, Obajtek Daniel, Ódor Ľudovít, Oetjen Jan-Christoph, Ohisalo Maria, Olivier Philippe, Omarjee Younous, Ondruš Branislav, Ó Ríordáin Aodhán, Orlando Leoluca, Ozdoba Jacek, Paet Urmas, Pajín Leire, Palmisano Valentina, Panayiotou Fidias, Papadakis Kostas, Papandreou Nikos, Pappas Nikos, Pascual de la Parte Nicolás, Patriciello Aldo, Paulus Jutta, Pedro Ana Miguel, Pedulla’ Gaetano, Pellerin-Carlin Thomas, Peltier Guillaume, Penkova Tsvetelina, Pennelle Gilles, Pereira Lídia, Peter-Hansen Kira Marie, Petrov Hristo, Picaro Michele, Picierno Pina, Picula Tonino, Piera Pascale, Pietikäinen Sirpa, Pimpie Pierre, Piperea Gheorghe, de la Pisa Carrión Margarita, Pokorná Jermanová Jaroslava, Polato Daniele, Polfjärd Jessica, Popescu Virgil-Daniel, Pozņaks Reinis, Prebilič Vladimir, Princi Giusi, Protas Jacek, Pürner Friedrich, Rackete Carola, Radev Emil, Radtke Dennis, Rafowicz Emma, Ratas Jüri, Razza Ruggero, Rechagneux Julie, Regner Evelyn, Repasi René, Repp Sabrina, Ressler Karlo, Reuten Thijs, Riba i Giner Diana, Ricci Matteo, Ridel Chloé, Riehl Nela, Ripa Manuela, Rodrigues André, Ros Sempere Marcos, Roth Neveďalová Katarína, Rougé André, Ruissen Bert-Jan, Ruotolo Sandro, Rzońca Bogdan, Saeidi Arash, Salini Massimiliano, Salis Ilaria, Salla Aura, Sánchez Amor Nacho, Sanchez Julien, Sancho Murillo Elena, Saramo Jussi, Sardone Silvia, Sargiacomo Eric, Satouri Mounir, Saudargas Paulius, Sbai Majdouline, Sberna Antonella, Schaldemose Christel, Schaller-Baross Ernő, Schenk Oliver, Scheuring-Wielgus Joanna, Schieder Andreas, Schilling Lena, Schneider Christine, Schnurrbusch Volker, Schwab Andreas, Scuderi Benedetta, Seekatz Ralf, Sell Alexander, Serrano Sierra Rosa, Sidl Günther, Sienkiewicz Bartłomiej, Sieper Lukas, Simon Sven, Singer Christine, Sinkevičius Virginijus, Sippel Birgit, Sjöstedt Jonas, Śmiszek Krzysztof, Smith Anthony, Smit Sander, Sokol Tomislav, Solier Diego, Solís Pérez Susana, Sommen Liesbet, Sonneborn Martin, Sorel Malika, Sousa Silva Hélder, Søvndal Villy, Squarta Marco, Staķis Mārtiņš, Stancanelli Raffaele, Ştefănuță Nicolae, Steger Petra, Stier Davor Ivo, Storm Kristoffer, Stöteler Sebastiaan, Stoyanov Stanislav, Strack-Zimmermann Marie-Agnes, Strada Cecilia, Streit Joachim, Strik Tineke, Strolenberg Anna, Sturdza Şerban Dimitrie, Stürgkh Anna, Sypniewski Marcin, Szczerba Michał, Szekeres Pál, Szydło Beata, Tamburrano Dario, Tânger Corrêa António, Tarczyński Dominik, Tarquinio Marco, Tarr Zoltán, Târziu Claudiu-Richard, Tavares Carla, Tegethoff Kai, Teodorescu Georgiana, Teodorescu Måwe Alice, Terheş Cristian, Ter Laak Ingeborg, Terras Riho, Tertsch Hermann, Thionnet Pierre-Romain, Timgren Beatrice, Tinagli Irene, Tobback Bruno, Tobé Tomas, Tolassy Rody, Tomac Eugen, Tomašič Zala, Tomaszewski Waldemar, Tomc Romana, Tonin Matej, Toom Jana, Torselli Francesco, Tosi Flavio, Toussaint Marie, Tovaglieri Isabella, Tridico Pasquale, Trochu Laurence, Tsiodras Dimitris, Tudose Mihai, Turek Filip, Tynkkynen Sebastian, Ušakovs Nils, Vaidere Inese, Valchev Ivaylo, Vălean Adina, Valet Matthieu, Van Brempt Kathleen, Van Brug Anouk, van den Berg Brigitte, Vandendriessche Tom, Van Dijck Kris, Van Lanschot Reinier, Van Leeuwen Jessika, Vannacci Roberto, Van Sparrentak Kim, Varaut Alexandre, Vasconcelos Ana, Vasile-Voiculescu Vlad, Vautmans Hilde, Vedrenne Marie-Pierre, Ventola Francesco, Verougstraete Yvan, Veryga Aurelijus, Vicsek Annamária, Vieira Catarina, Vigenin Kristian, Vilimsky Harald, Vincze Loránt, Vind Marianne, Vistisen Anders, Vivaldini Mariateresa, Volgin Petar, von der Schulenburg Michael, Vondra Alexandr, Voss Axel, Vozemberg-Vrionidi Elissavet, Vrecionová Veronika, Vázquez Lázara Adrián, Waitz Thomas, Walsh Maria, Walsmann Marion, Warborn Jörgen, Warnke Jan-Peter, Wąsik Maciej, Wawrykiewicz Michał, Wcisło Marta, Wechsler Andrea, Weimers Charlie, Werbrouck Séverine, Wiesner Emma, Wiezik Michal, Winkler Iuliu, Winzig Angelika, Wiseler-Lima Isabel, Wiśniewska Jadwiga, Wölken Tiemo, Wolters Lara, Yar Lucia, Yon-Courtin Stéphanie, Yoncheva Elena, Zacharia Maria, Zalewska Anna, Žalimas Dainius, Zan Alessandro, Zarzalejos Javier, Zdechovský Tomáš, Zdrojewski Bogdan Andrzej, Zijlstra Auke, Zīle Roberts, Zingaretti Nicola, Złotowski Kosma, Zver Milan

Excused:

Verheyen Sabine

MIL OSI Europe News –

MIL-OSI Europe: France: EIB and Groupe BPCE sign an agreement to provide €200 million in support for French agricultural businesses
Source: European Investment Bank
- Through an intermediated loan to the BPCE banking group, this operation will help to finance investments made by small businesses and mid-caps in the farming and bioeconomy sectors in France.
- It will provide special support to young farmers, helping to address one of the most urgent challenges facing the French farming sector.
- This is the first operation signed by the EIB in France as part of the €3 billion package set up in 2024 to support agricultural businesses.
The European Investment Bank (EIB) and the BPCE banking group have signed an agreement to mobilise €200 million in loans for small and medium-sized enterprises (SMEs) and mid-caps in the French farming and bioeconomy sectors. This is the first operation that the EIB has signed in France as part of the €3 billion package it approved in 2024 to support businesses in the farming sector.

The particular focus of this operation is to meet the specific needs of young farmers, thus facilitating the creation of new holdings and the takeover of existing ones. It will help to sustain and create jobs in rural communities by encouraging people to stay in those areas. The operation will help residents to purchase and modernise farms and to invest in sustainable technologies.

“We are delighted to sign this agreement with Groupe BPCE. It is the first in France as part of the EIB’s €3 billion package to support agricultural businesses, with an emphasis on young farmers. The aim of this operation is to provide affordable and tailored financing to support the agricultural sector on its path to a more sustainable and resilient future,” said EIB Vice-President Gelsomina Vigliotti, who is responsible for operations in the agricultural sector.

“Thanks to our long-standing partnership with the EIB, we have a credit envelope of €200 million dedicated to the farming and winegrowing sectors. The Banques Populaires and the Caisses d’Epargne will thus be stepping up their support for young farmers, winegrowers and new entrants, encouraging the renewal of generations, which is essential to the vitality of our regions. At the same time, we are committed to supporting projects aimed at accelerating the transition to sustainable agriculture”, added Cédric Glorieux, Director of Products and Solutions, Banque Populaire and Caisse d’Epargne.

Present at the signing of the agreement in Brussels, as part of the conference on the vision for Agriculture and Food organised by the European Commission the european commissioner for agriculture and food Christophe Hansen welcomed the agreement : “”When launching the €3 billion package last December, the European Commission and the EIB set a clear aim: to support the EU’s agricultural priorities by facilitating generational renewal in a sector that encounters various hurdles in access to finance, and driving the ecological transition in rural areas. Today’s signature is a testament to the essential role these funds play in the agriculture and bioeconomy sectors. We remain committed to meeting the needs of our farmers.”

Almost all of this finance will be allocated to projects in regions that fall within the scope of European cohesion and transition programmes. In addition, 30% of the funds will be dedicated to projects helping to promote climate action, efficient water use and biodiversity protection. These projects will involve energy-efficient irrigation systems, solar panel installation, low-carbon machinery, soil regeneration, and sustainable resource management. Thanks to the EIB’s operation, SMEs and mid-caps will be able to access loans with more favourable financing conditions and repayment deadlines that are adapted to the business cycle of their investments.

Background information

EIB

The European Investment Bank is the long-term lending institution of the European Union, owned by its Member States. Built around eight core priorities, we finance investments that contribute to EU policy objectives, by bolstering climate action and the environment, digitalisation and technological innovation, security and defence, cohesion, agriculture and bioeconomy, social infrastructure, the capital markets union, and a stronger Europe in a more peaceful and prosperous world. The EIB Group, which also includes the European Investment Fund (EIF), signed nearly €89 billion in new financing for over 900 high-impact projects in 2024, boosting Europe’s competitiveness and security. The EIB Group signed more than 100 operations in France in 2024 for a total amount of €12.6 billion, mobilising €62 billion of investment in the real economy. All projects financed by the EIB Group are in line with the Paris Climate Agreement, as pledged in our Climate Bank Roadmap. Almost 60% of the EIB Group’s annual financing supports projects directly contributing to climate change mitigation, adaptation, and a healthier environment. Fostering market integration and mobilising investment, the Group supported a record of over €100 billion in new investment for Europe’s energy security in 2024 and unlocked €110 billion in growth capital for startups, scale-ups and European pioneers. Approximately half of the EIB’s financing within the European Union is directed towards cohesion regions, where per capita income is lower than the EU average.

High-quality, up-to-date photos of our headquarters for media use are available here.

Groupe BPCE

Groupe BPCE is the second-largest banking group in France. It employs 100 000 staff serving 35 million customers worldwide – individuals, professionals, companies, investors and local government. It operates in the retail banking and insurance fields in France via its two major networks, Banque Populaire and Caisse d’Epargne, along with Banque Palatine and Oney. It also pursues its activities worldwide with the asset and wealth management services provided by Natixis Investment Managers and the wholesale banking expertise of Natixis Corporate & Investment Banking. The group’s financial strength is recognised by four rating agencies with the following preferred senior long-term ratings: Moody’s (A1, stable outlook), Standard & Poor’s (A+, stable outlook), Fitch (A+, stable outlook) and R&I (A+, stable outlook).
MIL OSI Europe News –
May 8, 2025
MIL-OSI Europe: Portugal: EIB provides €400 million loan to Santander to boost financing for SMEs and mid-caps and the agricultural sector
Source: European Investment Bank
- €75 million will go exclusively to the agricultural sector, while €325 million will support small businesses and mid-caps.
The European Investment Bank (EIB) and Santander have signed a €400 million financing operation to boost investment in small and medium-sized enterprises (SMEs) and mid-caps, as well as to support the agricultural sector in Portugal. The operation aims to improve access to finance for companies operating in strategic sectors, with a view to accelerating development in the agricultural sector and to supporting cohesion regions.

The operation includes €75 million to be allocated specifically to the agricultural sector under the Pan-European Agricultural Programme. An EIB initiative, this programme aims to strengthen farming and the bioeconomy in Europe, which is one of the EIB’s eight core priorities.

At least 10% of this amount will support young and newly established farmers. The financing will also be available for the purchase of agricultural land. This is the first operation that the EIB has signed under the €3 billion package launched in 2024 to support businesses in the agricultural sector, with a particular focus on companies led by young entrepreneurs.

The remaining €325 million will be used to finance SMEs and mid-caps in Portugal. It is expected that around 60% of this figure will be allocated to cohesion regions, promoting economic development in areas where credit is less accessible, and encouraging businesses to modernise.

“This financing agreement reinforces the EIB’s commitment to sustainable economic growth, ensuring that SMEs and the agricultural sector have access to favourable financing conditions,” said EIB Director-General and Head of Operations Jean-Christophe Laloux. “By supporting young farmers and innovative projects, we are helping to make the Portuguese economy more resilient and competitive.”

Santander Portugal Executive Board Member Amílcar Lourenço added: “It is with great commitment to our companies that we have concluded yet another agreement with the EIB. Every day we work to provide the best solutions for our clients, and we are aware that sustainable investment decisions are crucial for business growth and for Portugal’s development.”

This agreement reinforces the EIB’s commitment to supporting the agricultural sector and economic development, promoting financial inclusion and sustainable growth in Portugal.

To carry out the operation, Santander is issuing debt securities in the form of premium European covered bonds subscribed exclusively by the EIB. In this way, the EIB will provide financing directly to Santander, which in turn will use these resources to support SMEs and mid-caps – including young farmers – thus ensuring better financing conditions.

Background information

The European Investment Bank (ElB) is the long-term lending institution of the European Union, owned by its Member States. Built around eight core priorities, we finance investments that contribute to EU policy objectives by bolstering climate action and the environment, digitalisation and technological innovation, security and defence, cohesion, agriculture and bioeconomy, social infrastructure, high-impact investments outside the European Union and the capital markets union.

The EIB Group, which includes the European Investment Fund (EIF), signed almost €89 billion in new financing for over 900 high-impact projects in 2024, boosting Europe’s competitiveness and security.

All projects financed by the EIB Group are in line with the Paris Climate Agreement, as pledged in our Climate Bank Roadmap. Almost 60% of the EIB Group’s annual financing supports projects directly contributing to climate change mitigation, adaptation, and a healthier environment.

Fostering market integration and mobilising investment, the Group supported a record of over €100 billion in new investment for Europe’s energy security in 2024 and mobilised €110 billion in growth capital for startups, scale-ups and European pioneers. Around half of the EIB’s financing within the European Union is directed towards cohesion regions, where per capita income is lower than the EU average.

High-quality, up-to-date photos of our headquarters for media use are available here.

About Santander Portugal

Santander Portugal is a leading bank in the Portuguese financial system, whose mission is to contribute to the development of people and companies. Serving around 3 million customers, Santander’s vision is to be the best open financial services platform, all while acting responsibly and earning the trust of partners, clients, shareholders and society.

Santander is the largest private bank in Portugal in terms of credit granted, with a privileged position in segments such as mortgage and corporate credit, and also in profitability and efficiency, with a return on equity of 32.2% in March 2025. The strength of its balance sheet is reflected in high capital ratios (CET1 of 14.2% in March 2025, above the SREP requirement of 8.4%) and high credit portfolio quality (non-performing exposure ratio of 1.5%).

The bank has been implementing a comprehensive digitalisation strategy, geared towards simplifying processes and innovation, thus providing its clients with a more attentive and personalised service to ensure they have the best possible experience.
MIL OSI Europe News –
May 8, 2025
MIL-OSI Europe: A breath of fresh air powered by science

Source: European Investment Bank

“As scientists, we have a strong commitment to creating practical solutions that can contribute to a better future for all people,” says Aleksandar Rodić, head of the Centre for Robotics at the institute and one of the purifier’s designers. “This is why we’ve developed an ad-hoc technical solution aimed at mitigating pollution in large urban areas.”

Pollution in Belgrade is exacerbated by a nearby coal-fired power plant, which provides close to half the country’s electricity. The city also has many industrial plants and dense road traffic. Air pollution is a leading cause of mortality, diseases and respiratory illnesses in the country. According to estimates, around 7,000 residents in Serbia are diagnosed with lung cancer annually, mainly because of smoking and the air pollution.

Addressing the causes of a city’s air pollution requires substantial long-term investments in cleaner power generation and road traffic. The new air purifier, however, offers immediate improvements at a much lower cost, Rodić says. “Such solutions are also scalable, allowing for replication throughout the region and beyond,” he says.

The purifier was supported by the EU for Green Agenda in Serbia initiative. It received technical and financial assistance from the European Union, with additional funding from Sweden, Switzerland and Serbia. The initiative is implemented by United Nations Development Programme and the Serbian Ministry of Environmental Protection, in cooperation with Sweden and the European Investment Bank. The EIB is providing technical assistance to banks and businesses for many green innovations like this one.

Under the Green Agenda initiative, the air purifier project received €44 000 from the European Union to build a pilot filtration system at the Ušće Shopping Center in Belgrade. The system includes two air purifiers and the wind and kinetic energy devices that generate green electricity to run the filtration systems.

MIL OSI Europe News –

May 8, 2025

MIL-OSI: Dave Reports First Quarter 2025 Financial Results

Source: GlobeNewswire (MIL-OSI)

Q1 Revenue Hits $108.0 Million, Representing Accelerating Growth of 47% Y/Y

Q1 Net Income Reaches $28.8 Million; Adj. EBITDA Increases 235% Y/Y to $44.2 Million

Raises 2025 Revenue and Adj. EBITDA Guidance to $460-$475 Million and $155-$165 Million, respectively

LOS ANGELES, May 08, 2025 (GLOBE NEWSWIRE) — Dave Inc. (“Dave” or the “Company”) (Nasdaq: DAVE), one of the nation’s leading neobanks, today reported its financial results for the first quarter ended March 31, 2025.

“We knocked the cover off the ball in Q1,” said Jason Wilk, Founder and CEO of Dave. “Revenue grew at the fastest year-over-year pace since 2021 when our business was a fraction of its current size. Given the operating leverage of our business model, Adjusted EBITDA increased 235% year-over-year and 32% sequentially to $44.2 million. This acceleration was driven by solid execution across the business and amplified by the early success of our new fee structure, which has enhanced monetization and conversion rates while maintaining strong member retention.

“Despite the typical seasonal patterns that temper ExtraCash demand in Q1, we originated over $1.5 billion, up 46% from Q1 2024 and 3% from Q4. Meanwhile, our credit metrics continue to hit record levels with our 28-day delinquency rate dropping by 33 basis points year-over-year, driven by ongoing optimization of CashAI. These improvements contributed to another record quarter of non-GAAP variable margin, which reached 77%, nearly doubling over the past three years.

“Building on the success of CashAI and our increased confidence in our new fee model, in combination with our positive growth outlook, we are raising full year Revenue and Adjusted EBITDA guidance.”

Quarterly Financial Highlights ($ in millions, unaudited)

	1Q24	2Q24	3Q24	4Q24	1Q25
GAAP Operating Revenues, Net % Change vs. prior year period	$73.6 25%	$80.1 31%	$92.5 41%	$100.9 38%	$108.0 47%
Non-GAAP Variable Profit* % Change vs. prior year period	$49.9 47%	$51.8 57%	$64.2 72%	$72.6 58%	$83.4 67%
Non-GAAP Variable Profit Margin*	68%	65%	69%	72%	77%
GAAP Net Income	$34.2	$6.4	$0.5	$16.8	$28.8
Adjusted Net Income*	$8.1	$13.7	$21.1	$29.6	$36.3
Adjusted EBITDA*	$13.2	$15.2	$24.7	$33.4	$44.2

*Non-GAAP measures. See reconciliation of non-GAAP measures at the end of the press release.

First Quarter 2025 Operating Highlights (vs. First Quarter 2024)

New Members increased to 569,000 while customer acquisition costs increased $2, remaining highly efficient at $18
Monthly Transacting Members (“MTMs”) increased 13% to 2.5 million
ExtraCash originations increased 46% to $1.5 billion, while the average 28-Day delinquency rate improved 33 basis points to 1.50%
Dave Debit Card spend increased 24% to $488 million
For a full review of the Company’s key performance indicators, please refer to the Company’s First Quarter Earnings Presentation which can be found on the Investor Relations page of Dave’s website

Liquidity Summary

As of March 31, 2025, the Company had $89.7 million in cash and cash equivalents, marketable securities, investments, and restricted cash, down from $91.9 million as of December 31, 2024. The $2.2 million decrease reflects an $18.8 million increase in the net ExtraCash Receivables balance and over $20 million in cash used for restricted stock unit net settlements and share repurchases, offset by positive free cash flow generated during the quarter.

2025 Financial Guidance ($ in millions)

	Prior FY 2025	New FY 2025
GAAP Operating Revenues, Net Year-Over-Year Growth	$415 – $435 20% – 25%	$460 – $475 33% – 37%
Adjusted EBITDA* Year-Over-Year Growth	$110 – $120 27% – 39%	$155 – $165 79% – 91%

*Non-GAAP measure. The Company does not provide a quantitative reconciliation of forward-looking non-GAAP financial measures because it is unable to predict without unreasonable effort the exact amount or timing of the reconciling items, including interest expense, investment income, and loss provision, among others. The variability of these items could have a significant impact on our future GAAP financial results.

Dave’s CFO, Kyle Beilman, commented: “Our Q1 results demonstrate the continued financial strength and operating efficiency of our business model. We delivered meaningful growth during what is typically our lowest demand period, driven by continued growth in originations per member as a result of the improvements in unit economics and member lifetime value under our new fee model.

“Given our free cash flow generation, liquidity position and confidence in our outlook, our Board authorized a $50 million share repurchase program during the quarter, which we began executing in late Q1. In total, we deployed over $20 million during the quarter through share repurchases and RSU net settlements to reduce our share count. We will continue to evaluate these capital allocation tools as levers to enhance shareholder value, particularly as we believe our current valuation understates the strength of our fundamentals.”

Conference Call
Dave management will host a conference call on Thursday, May 8^th, 2025, at 8:30 a.m. Eastern time to discuss its full financial results for the first quarter ended March 31, 2025, followed by a question-and-answer period. The conference call details are as follows:

Date: Thursday, May 8^th, 2025
Time: 8:30 a.m. Eastern time
Toll-free dial-in number: (866) 652-5200
International dial-in number: (412) 317-6060
Webcast: link

The conference call will also be available for replay in the Events section of the Company’s website, along with the transcript, at https://investors.dave.com.

If you have any difficulty registering for or connecting to the conference call, please contact Elevate IR at DAVE@elevate-ir.com.

About Dave

Dave (Nasdaq: DAVE) is a leading U.S. neobank and fintech pioneer serving millions of everyday Americans. Dave uses disruptive technologies to provide best-in-class banking services at a fraction of the price of incumbents. For more information about the company, visit: www.dave.com. For investor information and updates, visit: investors.dave.com and follow @davebanking on X.

Forward-Looking Statements

This press release includes forward-looking statements, which are subject to the “safe harbor” provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements may be identified by words such as “feels,” “believes,” “expects,” “anticipates,” “estimates,” “projects,” “intends,” “remains,” “should,” “is to be,” or the negative of such terms, or other comparable terminology and include, among other things, the quotations of our Chief Executive Officer and Chief Financial Officer relating to Dave’s future performance and growth, statements relating to fiscal year 2025 guidance, projected financial results for future periods, share repurchases, and other statements about future events. Such forward-looking statements are not guarantees of future performance and are subject to risks and uncertainties, which could cause actual results to differ materially from the forward-looking statements contained herein due to many factors, including, but not limited to: the ability of Dave to compete in its highly competitive industry; the ability of Dave to keep pace with the rapid technological developments in its industry and the larger financial services industry; the ability of Dave to manage risks associated with providing ExtraCash; the ability of Dave to retain its current customers, acquire new customers (collectively, “Members”) and sell additional functionality and services to its Members; the ability of Dave to protect intellectual property and trade secrets; the ability of Dave to maintain the integrity of its confidential information and information systems or comply with applicable privacy and data security requirements and regulations; the reliance by Dave on a single bank partner; the ability of Dave to maintain or secure current and future key banking relationships and other third-party service providers, including its ability to comply with applicable requirements of such third parties; the ability of Dave to comply with extensive and evolving laws and regulations applicable to its business; changes in applicable laws or regulations and extensive and evolving government regulations that impact operations and business; the ability to attract or maintain a qualified workforce; the level of product service failures that could lead Members to use competitors’ services; investigations, claims, disputes, enforcement actions, litigation and/or other regulatory or legal proceedings, including the Department of Justice’s lawsuit against Dave; the ability to maintain the listing of Dave Class A Common Stock on The Nasdaq Stock Market; the possibility that Dave may be adversely affected by other macroeconomic factors, including regulatory uncertainty, fluctuating interest rates, inflation, unemployment rates, consumer sentiment, market volatility and business, and/or competitive factors; and other risks and uncertainties discussed in Dave’s Annual Report on Form 10-K filed with the Securities and Exchange Commission (the “SEC”) on March 4, 2025 and subsequent Quarterly Reports on Form 10-Q under the heading “Risk Factors,” filed with the SEC and other reports and documents Dave files from time to time with the SEC. Any forward-looking statements speak only as of the date on which they are made, and Dave undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date of this press release.

Non-GAAP Financial Information

This press release contains references to Adjusted EBITDA, which is a non-GAAP financial measure that is adjusted from results based on generally accepted accounting principles in the United States (“GAAP”) and excludes certain expenses, gains and losses. The Company defines and calculates Adjusted EBITDA as GAAP net income attributable to Dave before the impact of interest income or expense, provision for income taxes, and depreciation and amortization, and adjusted to exclude non-recurring legal settlement and litigation expenses, gain on extinguishment of convertible debt, stock-based compensation expense and certain other non-core items. The Company defines and calculates non-GAAP variable operating expenses as operating expenses excluding non-variable operating expenses. The Company defines non-variable operating expenses as all advertising and marketing operating expenses, compensation and benefits operating expenses, and certain operating expenses (legal, rent, technology/infrastructure, depreciation, amortization, charitable contributions, other operating expenses, upfront Member account activation costs and upfront Dave Banking expenses). The Company defines and calculates non-GAAP variable profit as GAAP Operating Revenues, Net less non-GAAP variable operating expenses. The Company defines and calculates non-GAAP variable profit margin as non-GAAP variable profit as a percent of GAAP Operating Revenues, Net. The Company defines and calculates adjusted net income as GAAP net income adjusted to exclude stock-based compensation, the gain on extinguishment of convertible debt, non-recurring legal settlement and litigation expenses, and certain other non-core items. The Company defines and calculates non-GAAP adjusted basic EPS and non-GAAP adjusted diluted EPS as adjusted net income divided by weighted average shares of common stock-basic and weighted average shares of common stock-diluted, respectively.

These non-GAAP financial measures may be helpful to the user in assessing our operating performance and facilitate an alternative comparison among fiscal periods. The Company’s management team uses these non-GAAP financial measures in assessing performance, as well as in planning and forecasting future periods. The methods the Company uses to compute these non-GAAP financial measures may differ from the methods used by other companies. Non-GAAP financial measures are supplemental, should not be considered a substitute for financial information presented in accordance with GAAP and should be read only in conjunction with our consolidated financial statements prepared in accordance with GAAP.

Refer to the section further below for a reconciliation of Adjusted EBITDA to its most directly comparable GAAP measure for the three months ended March 31, 2025, and 2024.

Investor Relations Contact

Sean Mansouri, CFA
Elevate IR
DAVE@elevate-ir.com

Media Contact

Dan Ury
press@dave.com

DAVE INC.
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
(in millions, except per share data)
(unaudited)

	For the Three Months Ended March 31,
		2025			2024

Operating revenues:
Service based revenue, net	$	97.9		$	65.6
Transaction based revenue, net		10.1			8.0
Total operating revenues, net		108.0			73.6
Operating expenses:
Provision for credit losses		10.6			9.9
Processing and servicing costs		7.1			7.7
Advertising and marketing		10.3			9.1
Compensation and benefits		27.5			24.6
Other operating expenses		17.3			16.9
Total operating expenses		72.8			68.2
Other (income) expenses:
Interest expense, net		1.3			0.7
Gain on extinguishment of convertible debt		—			(33.4	)
Changes in fair value of earnout liabilities		(0.4	)		0.2
Changes in fair value of public and private warrant liabilities		0.4			0.5
Total other expense (income), net		1.3			(32.0	)
Net income before provision for income taxes		33.9			37.4
Provision for income taxes		5.1			3.2
Net income	$	28.8		$	34.2

Net income per share:
Basic	$	2.19		$	2.80
Diluted	$	1.97		$	2.60


RECONCILIATION OF OPERATING EXPENSES TO NON-GAAP VARIABLE OPERATING EXPENSES
(in millions)
(unaudited)


	For the Three Months Ended March 31,
		2025			2024

Operating expenses	$	72.8		$	68.2
Non-variable operating expenses		(48.2	)		(44.5	)
Non-GAAP variable operating expenses	$	24.6		$	23.7


CALCULATION OF NON-GAAP VARIABLE PROFIT
(in millions)
(unaudited)


	For the Three Months Ended March 31,
		2025			2024

GAAP operating revenues, net	$	108.0		$	73.6
Non-GAAP variable operating expenses		(24.6	)		(23.7	)
Non-GAAP variable profit	$	83.4		$	49.9
Non-GAAP variable profit margin		77	%		68	%


DAVE INC.
RECONCILIATION OF NET INCOME TO ADJUSTED EBITDA
(in millions)
(unaudited)


	For the Three Months Ended March 31,
		2025			2024

Net income	$	28.8		$	34.2
Interest expense, net		1.3			0.7
Provision for income taxes		5.1			3.2
Depreciation and amortization		1.5			1.7
Stock-based compensation		7.5			6.1
Gain on extinguishment of convertible debt		—			(33.4	)
Changes in fair value of earnout liabilities		(0.4	)		0.2
Changes in fair value of public and private warrant liabilities		0.4			0.5
Adjusted EBITDA	$	44.2		$	13.2


DAVE INC.
RECONCILIATION OF NET INCOME TO ADJUSTED NET INCOME
(in millions, except per share data)
(unaudited)


	For the Three Months Ended March 31,
		2025			2024

Net income	$	28.8		$	34.2
Stock-based compensation		7.5			6.1
Gain on extinguishment of convertible debt		—			(33.4	)
Changes in fair value of earnout liabilities		(0.4	)		0.2
Changes in fair value of public and private warrant liabilities		0.4			0.5
Income tax expense related to gain on extinguishment of convertible debt		—			0.5
Adjusted net income	$	36.3		$	8.1

Adjusted net income per share:
Basic	$	2.76		$	0.66
Diluted	$	2.48		$	0.62


DAVE INC.
LIQUIDITY AND CAPITAL RESOURCES
(in millions)
(unaudited)

	March 31,			December 31,
		2025			2024

Cash, cash equivalents and restricted cash	$	48.7		$	51.4
Marketable securities		0.1			0.1
Investments		41.0			40.5
Working capital		264.0			247.2
Total stockholders’ equity		199.5			183.1

MIL-OSI: Biz2Credit’s Annual Top 25 Cities for Small Business Report Identifies Worcester, MA as #1
Source: GlobeNewswire (MIL-OSI)

NEW YORK, May 08, 2025 (GLOBE NEWSWIRE) — The 2025 Biz2Credit Top Cities for Small Business Study has identified Worcester, MA, as the top city for small businesses in its annual financial analysis. According to Biz2Credit’s analysis, the other cities in the top five are: Ventura, CA, Stamford, CT, Portland, OR, and San Jose, CA.

The study examined financial indicators, including annual revenue, credit score, age of business, and the proprietary BizAnalyzer^® scores of businesses that applied for funding with Biz2Credit during 2024. The analysis found that small businesses’ average revenue increased while credit scores dipped slightly.

Key Findings:
- The top 25 study saw moderate changes compared to 2024, with the most notable being California’s tech-heavy bay area losing its top two spots.
- The leading industries among the top cities are retail trade, construction, healthcare & social assistance, and accommodation and food services.
- Average credit scores decreased by 5 points, from 652 to 647.
- Seven cities are new to the list this year: Worcester, MA (1), Buffalo, NY (11), Fresno, CA (15), Richmond, VA (17), Myrtle Beach, SC (23), New Haven, CT (24), Indianapolis, IN (25)
- Eight cities fell off the 2024 list: Pittsburgh, PA, Sacramento, CA, Minneapolis, MN, Port St. Lucie, FL, Philadelphia, PA, Hartford, CT, Riverside, CA, and Phoenix, AZ all fell outside the top 25 from last year’s list. This is the same number that fell off in Biz2Credit’s 2024 study.
The Top 25 Cities for Small Business for this year (with 2024 ranking in parenthesis) are:
1. Worcester, MA (unranked)
2. Ventura/Oxnard, CA (13)
3. Greater Bridgeport, CT (5)
4. Portland, OR (7)
5. San Jose, CA (1)
6. Seattle, WA (4)
7. Salt Lake City, UT (11)
8. Colorado Springs, CO (3)
9. Nashville, TN (22)
10. Denver, CO (15)
11. Buffalo, NY (unranked)
12. Providence, RI (9)
13. San Diego, CA (6)
14. San Francisco, CA (2)
15. Fresno, CA (unranked)
16. Boston, MA (12)
17. Richmond, VA (unranked)
18. New York City, NY (8)
19. Los Angeles, CA (17)
20. Washington, D.C. (16)
21. Baltimore, MD (10)
22. Hartford, CT (23)
23. Myrtle Beach, SC (unranked)
24. New Haven, CT (unranked)
25. Indianapolis, IN (unranked)
“Small businesses in Ventura County (Ventura and Oxnard) had high average annual revenues ($1,075,489), strong average credit score (679), and are mature businesses,” said Rohit Arora, CEO of Biz2Credit and one of the nation’s leading experts in small business finance. “This year’s top 5 continues to show the strength of our nation’s coastal states as hubs for small and medium size businesses.”

Methodology

The data included in this study was collected from submitted cases between Jan. 1, 2024, and Dec. 31, 2024. The study encompassed more than 75,000 applications. Biz2Credit set a threshold of 150 applications for an MSA (Metropolitan Statistical Area) to be included in the 2024 study. As a result, the MSA level analysis was based on 49,940 cases above the threshold. Data pertaining to state name, MSA, and ZIP code is from the U.S. Census.

The 2025 Top 25 Cities Study is based on actual verified cash flows of merchants on the Biz2Credit platform during 2024. Submitted cases with an annual revenue exceeding $5 million were excluded from the revenue analysis. The ranking of cities in the study was established using BizAnalyzer Score (BA Score), a proprietary score developed by Biz2Credit. To determine the BA Score, Biz2Credit examined several key factors, including Credit Score, Annual Revenue, Age of Business, Debt-to-Income Ratio, and Cash Flow Analytics powered by Bank Statement Analyzer.

About Biz2Credit

Founded in 2007, Biz2Credit has helped thousands of companies access more than in small business financing. Biz2Credit is headquartered in New York City, employs over 800 people with over half in product, data science, and engineering roles. Using data analytics and predictive modeling, Biz2Credit seeks to enhance the accuracy and transparency of business credit decisions, fueling long-term economic development. Visit www.biz2credit.com, or follow the company on LinkedIn, Instagram, Facebook, and X (formerly Twitter).

Media Contact: Brett Holzhauer, (818) 326-1109, brett.holzhauer@biz2credit.com

The MIL Network –
May 8, 2025
MIL-OSI Economics: BaFin warns consumers about Vera Capitals

Source: Bundesanstalt für Finanzdienstleistungsaufsicht – In English

The Federal Financial Supervisory Authority (BaFin) warns consumers about services offered by the company Vera Capitals, which claims to be based in Stuttgart. BaFin suspects the unknown operators of the websites vra-capitalis.com and cfd.vra-capitalis.com of offering consumers financial, investment and cryptoasset services without the required authorisation. The operators claim to be supervised by the “European Financial Supervisory Authority”. There is no such authority; BaFin has already issued a warning to this effect.

The services offered have no connection with Vereinigung Baden-Württembergische Wertpapierbörse e. V., whose register data are being used fraudulently on these websites.

BaFin is issuing this information on the basis of section 37 (4) of the German Banking Act (Kreditwesengesetz – KWG) and section 10 (7) of the German Cryptomarkets Supervision Act (Kryptomärkteaufsichtsgesetz).

Please be aware:

BaFin, the German Federal Criminal Police Office (Bundeskriminalamt – BKA) and the German state criminal police offices (Landeskriminalämter) recommend that consumers seeking to invest money online should exercise the utmost caution and do the necessary research beforehand in order to identify fraud attempts at an early stage.

MIL OSI Economics –

May 8, 2025

MIL-OSI Economics: RBI imposes monetary penalty on The Jammu Central Co-operative Bank Ltd., Jammu and Kashmir

Source: Reserve Bank of India

The Reserve Bank of India (RBI) has, by an order dated May 06, 2025, imposed a monetary penalty of ₹1.00 lakh (Rupees One Lakh only) on The Jammu Central Co-operative Bank Ltd., Jammu and Kashmir (the bank) for non-compliance with specific directions issued by RBI under Section 35A read with Section 56 of the Banking Regulation Act, 1949 (BR Act). This penalty has been imposed in exercise of powers conferred on RBI under the provisions of Section 47A(1)(c) read with Sections 46(4)(i) and 56 of the BR Act.

The statutory inspection of the bank was conducted by National Bank for Agriculture and Rural Development (NABARD) with reference to its financial position as on March 31, 2023. Based on supervisory findings of non-compliance with RBI directions and related correspondence in that regard, a notice was issued to the bank advising it to show cause as to why penalty should not be imposed on it for its failure to comply with the said directions. After considering the bank’s reply to the notice and oral submissions made during the personal hearing, RBI found, inter alia, that the following charge against the bank was sustained, warranting imposition of monetary penalty:

The bank had accepted fresh deposits in savings bank accounts in violation of specific directions issued by RBI.

(Puneet Pancholy)
Chief General Manager

Press Release: 2025-2026/282

MIL OSI Economics –

MIL-OSI Asia-Pac: Fraudulent website and internet banking login screen related to DBS Bank (Hong Kong) Limited

Source: Hong Kong Government special administrative region

The following is issued on behalf of the Hong Kong Monetary Authority:

The Hong Kong Monetary Authority (HKMA) wishes to alert members of the public to a press release issued by DBS Bank (Hong Kong) Limited relating to a fraudulent website and an internet banking login screen, which have been reported to the HKMA. A hyperlink to the press release is available on the HKMA website.

The HKMA wishes to remind the public that banks will not send SMS or emails with embedded hyperlinks which direct them to the banks’ websites to carry out transactions. They will not ask customers for sensitive personal information, such as login passwords or one-time password, by phone, email or SMS (including via embedded hyperlinks).

Anyone who has provided his or her personal information, or who has conducted any financial transactions, through or in response to the website or login screen concerned, should contact the bank using the contact information provided in the press release, and report the matter to the Police by contacting the Crime Wing Information Centre of the Hong Kong Police Force at 2860 5012.

MIL OSI Asia Pacific News –

May 8, 2025

MIL-OSI: Enerflex Ltd. Announces First Quarter 2025 Financial and Operational Results

Source: GlobeNewswire (MIL-OSI)

ADJUSTED EBITDA OF $113 MILLION AND FREE CASH FLOW OF $85 MILLION

EI CONTRACT BACKLOG AND ES BACKLOG OF $1.5 BILLION AND $1.2 BILLION, RESPECTIVELY, PROVIDING SOLID OPERATIONAL VISIBILITY

REDUCED BANK ADJUSTED NET DEBT-TO-EBITDA RATIO TO 1.3x¹ AT THE END OF Q1/25

CALGARY, Alberta, May 08, 2025 (GLOBE NEWSWIRE) — Enerflex Ltd. (TSX: EFX) (NYSE: EFXT) (“Enerflex” or the “Company”) today reported its financial and operational results for the three months ended March 31, 2025.

All amounts presented are in U.S. Dollars unless otherwise stated.

Q1/25 FINANCIAL AND OPERATIONAL OVERVIEW

Generated revenue of $552 million compared to $638 million in Q1/24 and $561 million in Q4/24.
- Lower revenue compared with the prior year is primarily attributed to upfront revenue recognized in the Energy Infrastructure (“EI”) product line in Q1/24 on the extension and modification of an existing EI contract previously accounted for as an operating lease in the Eastern Hemisphere (“EH”) region.
Recorded gross margin before depreciation and amortization of $161 million, or 29% of revenue, compared to $119 million, or 19% of revenue in Q1/24 and $174 million, or 31% of revenue during Q4/24.
- EI and After-Market Services (“AMS”) product lines generated 70% of consolidated gross margin before depreciation and amortization during Q1/25.
- Engineered Systems (“ES”) gross margin before depreciation and amortization increased to 18% in Q1/25 compared to 5% in Q1/24 primarily due to costs recognized in Q1/24 related to an international ES project. ES gross margin before depreciation and amortization decreased compared to Q4/24 due to product mix.
Adjusted earnings before finance costs, income taxes, depreciation, and amortization (“adjusted EBITDA”) of $113 million compared to $69 million in Q1/24 and $121 million during Q4/24. The year-over-year increase in adjusted EBITDA was primarily due to costs recognized related to an international ES project in Q1/24.
SG&A was $57 million for the three months ended March 31, 2025, a decrease of $21 million from the same period in 2024, primarily due to decreased share-based compensation resulting from mark-to-market volatility on share prices in the first quarter of 2025, and lower costs and improved efficiencies, partially offset by executive transition costs.
Cash provided by operating activities was $96 million, which included net working capital recovery of $34 million. This compares to cash provided by operating activities of $101 million in Q1/24 and $113 million in Q4/24. Free cash flow increased to $85 million in Q1/25 compared to $72 million during Q1/24 and $76 million during Q4/24 primarily due to lower maintenance capital spend.
Return on capital employed (“ROCE”)² increased to 14.2% in Q1/25 compared to 0.6% in Q1/24 and 10.3% in Q4/24. ROCE benefitted from an increase in trailing 12-month EBIT and lower average capital employed, predominantly due to a decline in net debt.
Invested $33 million in the business, consisting of $14 million in capital expenditures ($6 million for growth) and $19 million for expansion of an EI project in the EH region that will be accounted for as a finance lease.
Enerflex recorded ES bookings of $205 million during Q1/25, compared to $420 million during the same period of 2024. First quarter bookings were impacted by accelerated customer activity in the latter part of the fourth quarter of 2024, predominantly in the North America (“NAM”) segment, which resulted in select orders being pulled forward, and customers pausing some decisions on expenditures due to commodity price volatility and evolving market conditions. The Company continues to closely monitor activity levels and will adjust its business as appropriate. Enerflex’s backlog remains healthy at $1.2 billion at March 31, 2025.
Enerflex’s U.S. contract compression business continues to perform well, led by increasing natural gas production in the Permian.
- This business generated revenue of $36 million and gross margin before depreciation and amortization of 72% during Q1/25 compared to $36 million and 75% in Q1/24 and $36 million and 78% during Q4/24.
- Utilization remained stable at 94% across a fleet size of approximately 448,000 horsepower. Enerflex expects its North American contract compression fleet will grow to over 475,000 horsepower by the end of 2025.
The Board of Directors has declared a quarterly dividend of CAD$0.0375 per share, payable on June 3, 2025, to shareholders of record on May 21, 2025.

BALANCE SHEET AND LIQUIDITY

Enerflex exited Q1/25 with net debt of $564 million, which included $75 million of cash and cash equivalents, a reduction of $179 million compared to Q1/24 and $52 million lower than the fourth quarter of 2024.
Enerflex’s bank-adjusted net debt-to-EBITDA ratio was approximately 1.3x at the end of Q1/25, down from 2.2x at the end of Q1/24 and 1.5x at the end of Q4/24.

MANAGEMENT COMMENTARY

Preet S. Dhindsa, Enerflex’s President & Chief Executive Officer (Interim), stated: “We are pleased to report another strong quarter of financial and operational results. Our Energy Infrastructure and After-Market Services business lines continue to deliver steady performance and reinforce Enerflex’s ability to generate sustainable returns across our global platform. Visibility for the ES product line remains solid, with backlog exiting Q1/25 at $1.2 billion, although we continue to closely monitor evolving market conditions and will adjust this business as appropriate. Despite increasing near-term risk and uncertainty, the fundamental drivers behind our business remain intact, namely global energy security and the shift toward low-emissions natural gas. Each of our business lines are delivering solid results and we believe all are well positioned to benefit from these fundamental drivers.”

Joe Ladouceur, Enerflex’s Chief Financial Officer (Interim), stated, “Enerflex repaid an additional $74 million of debt during Q1/25 and reduced our leverage ratio to 1.3 times, reflective of strong operational execution and disciplined capital allocation. Our priorities are generating sustainable free cash flow, solidifying our balance sheet health, and positioning the Company for long-term growth and value creation. We’re sharpening our focus on boosting profitability, strengthening the resilience of our core operations, and ensuring Enerflex generates sustained, attractive returns for shareholders.”

SUMMARY RESULTS

	Three months ended March 31,
($ millions, except percentages)	2025			2024
Revenue	$	552		$	638
Gross margin		128			87
Gross margin as a percentage of revenue		23.2	%		13.6	%
Selling, general and administrative expenses (“SG&A”)		57			78
Foreign exchange loss		–			1
Operating income		71			8
EBITDA¹		105			47
EBIT¹		66			3
EBT¹		43			(23	)
Net earnings (loss)		24			(18	)
Long-term debt		639			853
Net debt²		564			743
Cash provided by operating activities		96			101

Key Financial Performance Indicators (“KPIs”)
ES bookings³	$	205		$	420
ES backlog³		1,206			1,266
EI contract backlog⁴		1,497			1,639
Gross margin before depreciation and amortization (“Gross margin before D&A”)⁵		161			119
Gross margin before D&A as a percentage of revenue⁵		29.2	%		18.7	%
Adjusted EBITDA⁶		113			69
Free cash flow⁷		85			72
Bank-adjusted net debt to EBITDA ratio⁷	1.3x			2.2x
Return on capital employed (“ROCE”)^7,8		14.2	%		0.6	%

_{¹EBITDA is defined as earnings before finance costs, income taxes, depreciation and amortization. EBIT is defined as earnings before finance costs and income taxes. EBT is defined as earnings before taxes.}
_{²Net debt is defined as total long-term debt less cash and cash equivalent as presented in the Financial Statements.}
_{³Refer to the “ES Bookings and Backlog” section of the MD&A for further details.}
_{⁴Refer to the “EI Contract Backlog” section of the MD&A for further details.}
_{⁵Refer to the “Gross Margin by Product line” section of the MD&A for further details.}
_{⁶Refer to the “Adjusted EBITDA” section of the MD&A for further details.}
_{⁷Refer to the “Non-IFRS Measures” section of the MD&A for further details.}
_{⁸Determined by using the trailing 12-month period.}

Enerflex’s interim consolidated financial statements and notes (the “financial statements”) and Management’s Discussion and Analysis (“MD&A”) as at March 31, 2025, can be accessed on the Company’s website at www.enerflex.com and under the Company’s SEDAR+ and EDGAR profiles at www.sedarplus.ca and www.sec.gov/edgar, respectively.

OUTLOOK

Industry Update

Enerflex continues to expect operating results to be underpinned by the highly contracted EI product line and the recurring nature of AMS, which together are expected to account for approximately 65% of gross margin before depreciation and amortization during 2025. The EI product line is supported by customer contracts expected to generate approximately $1.5 billion of revenue over their remaining terms.

Visibility for the ES product line remains solid, with a backlog of approximately $1.2 billion as at March 31, 2025, the majority of which is expected to convert into revenue over the next 12 months. During 2025, ES gross margins are expected to align more closely with historical averages, reflecting both weaker domestic natural gas prices through much of 2024 and a shift in project mix.

While near-term ES revenue is expected to remain steady, Enerflex continues to closely monitor evolving market conditions and increased near-term risk and uncertainty, including the impact of tariffs and lower oil prices, and will adjust its business as appropriate. The Company expects to be partially protected from the direct and indirect impact of tariffs through its diversified operations and on-going risk management efforts. Enerflex’s operations in the USA, Canada and Mexico are largely distinct in the client partners and projects they serve. USA is Enerflex’s largest operating region, generating 45% of consolidated revenue on a trailing-twelve month basis by destination of sale, and we believe the Company is well positioned to benefit from growth in domestic energy production. Enerflex’s operations in Canada and Mexico generated 11% and 3% of consolidated revenue on a trailing twelve-month basis, respectively.

Despite increased near-term risk and uncertainty for the ES product line, recent domestic natural gas prices have been constructive, and the medium-term outlook for ES products and services remains attractive, supported by anticipated growth in natural gas and produced water volumes across Enerflex’s global footprint.

Capital Spending

Enerflex continues to target a disciplined capital program in 2025, with total capital expenditures of $110 million to $130 million. This includes a total of approximately $70 million for maintenance and property, plant and equipment (“PP&E”) capital expenditures and growth spending of $40 million to $60 million. Disciplined capital spending will focus on customer supported opportunities primarily in the USA. Notably, the fundamentals for contract compression in the USA remain strong, led by expected increases in natural gas production in the Permian basin and capital spending discipline from market participants. Enerflex will continue to make selective customer supported growth investments in this business.

Capital Allocation

Providing meaningful direct shareholder returns is a priority for Enerflex, reflected through the 50% increase of the Company’s third quarter 2024 dividend, and implementation of the Normal Course Issuer Bid (“NCIB”).

The NCIB commenced on April 1, 2025 and will terminate no later than March 31, 2026. Under the NCIB, the Company is authorized to acquire up to a maximum of 6,159,695 Common Shares or approximately 5% of its public float as at the application date, for cancellation. During the month of April 2025, Enerflex repurchased 690,500 Common Shares at an average price of CAD$10.15 per share.

Going forward, capital allocation decisions will be based on delivering value to Enerflex shareholders and measured against Enerflex’s ability to maintain balance sheet strength. In addition to increases in the Company’s dividend, share repurchases, and disciplined growth capital spending, Enerflex will also consider further debt reduction to strengthen its balance sheet and lower net finance costs. Unlocking greater financial flexibility positions the Company to respond to evolving market conditions and capitalize on opportunities to optimize its debt stack.

DIVIDEND DECLARATION

Enerflex is committed to paying a sustainable quarterly cash dividend to shareholders. The Board of Directors has declared a quarterly dividend of CAD$0.0375 per share, payable on June 3, 2025, to shareholders of record on May 21, 2025.

CONFERENCE CALL AND WEBCAST DETAILS

Investors, analysts, members of the media, and other interested parties, are invited to participate in a conference call and audio webcast on Thursday, May 8, 2025 at 8:00 a.m. (MDT), where members of senior management will discuss the Company’s results. A question-and-answer period will follow.

To participate, register at https://register-conf.media-server.com/register/BIbf48293aea6d4b518127ab7e050c6058. Once registered, participants will receive the dial-in numbers and a unique PIN to enter the call. The audio webcast of the conference call will be available on the Enerflex website at www.enerflex.com under the Investors section or can be accessed directly at https://edge.media-server.com/mmc/p/oqas9bdk.

NON-IFRS MEASURES

Throughout this news release and other materials disclosed by the Company, Enerflex employs certain measures to analyze its financial performance, financial position, and cash flows, including net debt-to-EBITDA ratio and bank-adjusted net debt-to-EBITDA ratio. These non-IFRS measures are not standardized financial measures under IFRS and may not be comparable to similar financial measures disclosed by other issuers. Accordingly, non-IFRS measures should not be considered more meaningful than generally accepted accounting principles measures as indicators of Enerflex’s performance. Refer to “Non-IFRS Measures” of Enerflex’s MD&A for the three months ended March 31, 2025, for information which is incorporated by reference into this news release and can be accessed on Enerflex’s website at www.enerflex.com and under the Company’s SEDAR+ and EDGAR profiles at www.sedarplus.ca and www.sec.gov/edgar, respectively.

ADJUSTED EBITDA

	Three months ended March 31, 2025
($ millions)	NAM			LATAM			EH		Total
Net earnings¹									$	24
Income taxes¹										19
Net finance costs^1,2										23
EBIT³	$	38		$	19		$	12	$	66
Depreciation and Amortization		16			11			12		39
EBITDA	$	54		$	30		$	24	$	105
Share-based compensation		(2	)		(1	)		–		(3	)
Impact of finance leases
Principal payments received		–			–			8		8
Loss on redemption options³										3
Adjusted EBITDA	$	52		$	29		$	32	$	113

_{¹The Company included net earnings (loss), income taxes, and net finance costs on a consolidated basis to reconcile to EBIT.}
_{²Net finance costs are considered corporate expenditures and therefore have not been allocated to reporting segments.}
_{³EBIT includes $3 million loss on redemption options associated with the Notes. Debt is managed within Corporate and is not allocated to reporting segments.}

	Three months ended March 31, 2024
($ millions)	NAM		LATAM		EH			Total
Net loss¹								$	(18	)
Income taxes¹									(5	)
Net finance costs^1,2									26
EBIT	$	33	$	5	$	(35	)	$	3
Depreciation and amortization		18		10		16			44
EBITDA	$	51	$	15	$	(19	)	$	47
Restructuring, transaction and integration costs		3		2		1			6
Share-based compensation		3		1		2			6
Impact of finance leases
Upfront gain		–		–		(3	)		(3	)
Principal payments received		–		–		13			13
Adjusted EBITDA	$	57	$	18	$	(6	)	$	69

FREE CASH FLOW

The Company defines free cash flow as cash provided by (used in) operating activities, less total capital expenditures (growth and maintenance) for EI assets – operating leases and PP&E, mandatory debt repayments, and lease payments, while proceeds on disposals of PP&E and EI assets – operating leases are added back. Free cash flow may not be comparable to similar measures presented by other companies as it does not have a standardized meaning under IFRS. Management uses this non-IFRS measure to assess the level of free cash generated to fund other non-operating activities. These activities could include dividend payments, share repurchases, and non-mandatory debt repayments. Free cash flow is also used in calculating the dividend payout ratio.

	Three months ended March 31,
($ millions, except percentages)	2025			2024
Cash provided by operating activities before changes in working capital and other¹	$	62		$	18
Net change in working capital and other		34			83
Cash provided by operating activities²	$	96		$	101
Less:
Capital expenditures – Maintenance and PP&E		(8	)		(9	)
Capital expenditures – Growth		(6	)		(8	)
Mandatory debt repayments		–			(10	)
Lease payments		(6	)		(4	)
Add:
Proceeds on disposals of PP&E and EI assets – operating leases		9			2
Free cash flow	$	85		$	72
Dividends paid		6			2
Dividend payout ratio		7.1	%		2.8	%

_{¹Enerflex also refers to cash provided by operating activities before changes in working capital and other as “Funds from operations” or “FFO”.}
_{²Enerflex also refers to cash provided by operating activities as “Cashflow from operations” or “CFO”.}

BANK-ADJUSTED NET DEBT-TO-EBITDA RATIO

The Company defines net debt as short- and long-term debt less cash and cash equivalents at period end, which is then divided by EBITDA for the trailing 12 months. In assessing whether the Company is compliant with the financial covenants related to its debt instruments, certain adjustments are made to net debt and EBITDA to determine Enerflex’s bank-adjusted net debt-to-EBITDA ratio. These adjustments and Enerflex’s bank-adjusted net-debt-to EBITDA ratio are calculated in accordance with, and derived from, the Company’s financing agreements.

GROSS MARGIN BEFORE DEPRECIATION AND AMORTIZATION

Gross margin before depreciation and amortization is a non-IFRS measure defined as gross margin excluding the impact of depreciation and amortization. The historical costs of assets may differ if they were acquired through acquisition or constructed, resulting in differing depreciation. Gross margin before depreciation and amortization is useful to present operating performance of the business before the impact of depreciation and amortization that may not be comparable across assets.

ADVISORY REGARDING FORWARD-LOOKING INFORMATION

This news release contains “forward-looking information” within the meaning of applicable Canadian securities laws and “forward-looking statements” (and together with “forward-looking information”, “FLI”) within the meaning of the safe harbor provisions of the US Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are FLI. The use of any of the words “anticipate”, “believe”, “could”, “expect”, “future”, “may”, “potential”, “should”, “will” and similar expressions, (including negatives thereof) are intended to identify FLI.

In particular, this news release includes (without limitation) FLI pertaining to:

expectations that the North American contract compression fleet will grow to over 475,000 horsepower by the end of 2025;
Enerflex’s ability to generate sustainable free cash flow, solidify its balance sheet health, and position the Company for long-term growth and value creation, and the time required in connection therewith, if at all;
disclosures under the heading “Outlook” including:
- the highly contracted EI product line and the recurring nature of AMS will, together, account for approximately 65% of Enerflex’s gross margin before depreciation and amortization during 2025;
- customer contracts within Enerflex’s EI product line will generate approximately $1.5 billion of revenue over their remaining terms;
- a majority of the ES product line backlog of approximately $1.2 billion as at March 31, 2025, will convert into revenue over the next 12 months;
- ES gross margins are expected to align more closely with historical averages while near term ES revenue will remain steady;
- expectations that the Company will be partially protected from the direct and indirect impact of tariffs through its diversified operations and on-going risk management efforts;
- in respect of the USA, expectations that the Company is well positioned to benefit from growth in domestic energy production;
- natural gas and produced water volumes are anticipated to grow across Enerflex’s global footprint, supporting an attractive medium-term outlook for ES products and services;
- total capital expenditures in 2025 will be $110 million to $130 million which includes approximately $70 million for maintenance and PP&E capital expenditures and growth spending of $40 million to $60 million;
- capital spending will focus on customer supported opportunities primarily in the USA;
- the fundamentals for contract compression in the USA remain strong, led by expected increases in natural gas production in the Permian basin and capital spending discipline from market participants;
- considerations to further reduce debt to strengthen our balance sheet and lower net financing costs and that doing so will position the Company to respond to evolving market conditions and capitalize on opportunities to optimize its debt stack;
the ability of Enerflex to continue to pay a sustainable quarterly cash dividend; and
using free cash generated to fund other non-operating activities including dividend payments, share repurchases, and non-mandatory debt repayments, if at all.

FLI reflect management’s current beliefs and assumptions with respect to such things as the impact of general economic conditions; commodity prices; the markets in which Enerflex’s products and services are used; general industry conditions, forecasts, and trends; changes to, and introduction of new, governmental regulations, laws, and income taxes; increased competition; availability of qualified personnel; political unrest and geopolitical conditions; and other factors, many of which are beyond the control of Enerflex. More specifically, Enerflex’s expectations in respect of its FLI are based on a number of assumptions, estimates and projections developed based on past experience and anticipated trends, including but not limited to:

the ability of the Company to adjust the business as appropriate in response to ES activity levels, evolving market conditions, and increased near-term risk and uncertainty, including the impact of tariffs and lower oil prices;
market dynamics, including increased energy demand, infrastructure development, and production activity, will drive growth in natural gas and produced water volumes across Enerflex’s global footprint;
market conditions, customer activity, and industry fundamentals will support stable demand across Enerflex’s product lines and geographic regions throughout 2025;
the high level of contractual commitments within the EI product line and the predictable, recurring revenue from AMS will continue;
existing customer contracts within the EI product line will remain in effect and with no material cancellations or renegotiations over their remaining terms;
the execution of projects within the ES product line will proceed as scheduled and the conversion to revenue will proceed without significant delays or cancellations;
no significant unforeseen cost overruns or project delays;
market conditions continuing to support the NCIB within the anticipated timeframe; and
Enerflex will maintain sufficient cash flow, profitability, and financial flexibility to support the ongoing payment of a sustainable quarterly cash dividend, subject to market conditions, operational performance, and board approval.

As a result of the foregoing, actual results, performance, or achievements of Enerflex could differ and such differences could be material from those expressed in, or implied by, the FLI. The principal risks, uncertainties and other factors affecting Enerflex and its business are identified under the heading “Risk Factors” in: (i) Enerflex’s Annual Information Form for the year ended December 31, 2024, dated February 27, 2025; and (ii) Enerflex’s Annual Report dated February 26, 2025, copies of which are available under the electronic profile of the Company on SEDAR+ and EDGAR at www.sedarplus.ca and www.sec.gov/edgar, respectively.

The FLI included in this news release are made as of the date of this news release and are based on the information available to the Company at such time and, other than as required by law, Enerflex disclaims any intention or obligation to update or revise any FLI, whether as a result of new information, future events, or otherwise. This news release and its contents should not be construed, under any circumstances, as investment, tax, or legal advice.

The outlook provided in this news release is based on assumptions about future events, including economic conditions and proposed courses of action, based on Management’s assessment of the relevant information currently available. The outlook is based on the same assumptions and risk factors set forth above and is based on the Company’s historical results of operations. The outlook set forth in this news release was approved by Management and the Board of Directors. Management believes that the prospective financial information set forth in this news release has been prepared on a reasonable basis, reflecting Management’s best estimates and judgments, and represents the Company’s expected course of action in developing and executing its business strategy relating to its business operations. The prospective financial information set forth in this news release should not be relied on as necessarily indicative of future results. Actual results may vary, and such variance may be material.

ABOUT ENERFLEX

Enerflex is a premier integrated global provider of energy infrastructure and energy transition solutions, deploying natural gas, low-carbon, and treated water solutions – from individual, modularized products and services to integrated custom solutions. With over 4,600 engineers, manufacturers, technicians, and innovators, Enerflex is bound together by a shared vision: Transforming Energy for a Sustainable Future. The Company remains committed to the future of natural gas and the critical role it plays, while focused on sustainability offerings to support the energy transition and growing decarbonization efforts.

Enerflex’s common shares trade on the Toronto Stock Exchange under the symbol “EFX” and on the New York Stock Exchange under the symbol “EFXT”. For more information about Enerflex, visit www.enerflex.com.

For investor and media enquiries, contact:

Preet S. Dhindsa
President and Chief Executive Officer (Interim)
E-mail: PDhindsa@enerflex.com

Joe Ladouceur
Chief Financial Officer (Interim)
E-mail: JLadouceur@enerflex.com

Jeff Fetterly
Vice President, Corporate Development and Capital Markets
E-mail: JFetterly@enerflex.com

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Source: GlobeNewswire (MIL-OSI)

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Disclaimer and Affiliate Disclosure

This article is for informational and promotional purposes only and does not constitute legal, financial, or professional advice. Readers should verify information independently before acting on it. Affiliate links may generate commissions at no additional cost to users. Gambling is intended for individuals of legal age (19 in Ontario) and should be conducted responsibly. Seek help from certified organizations like Gamblers Anonymous for gambling addiction. All trademarks and brand names are the property of their respective owners. By reading this article, you acknowledge that you do so at your own risk and agree to hold the publisher, affiliates, and contributors harmless from any liability arising from its use.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/3a46ab4c-dc1e-452b-b7c9-48abff55ce3b

MIL-OSI: Best Online Casinos 2025: 7Bit Ranked Top Real Money Online Casino With Exclusive Bonuses & Secure Payment Methods
Source: GlobeNewswire (MIL-OSI)

JERSEY CITY, N.J., May 08, 2025 (GLOBE NEWSWIRE) — After A Thorough Review By Our Expert Team, 7Bit Casino Is Recognized As The Best Online Casino For 2025, Offering An Extensive Collection Of Over 7,000 Games, Exciting Bonuses, And Seamless Payouts, All While Ensuring A Secure And Player-Friendly Environment.

In the bustling world of online gambling, finding the best online casino can feel overwhelming with so many options. After diving deep into reviews and player feedback, 7Bit Casino stands out as our top choice for 2025. It’s packed with over 7,000 games, from slots to live dealer tables, and offers juicy bonuses like a 325% match up to 5.25 BTC plus 250 free spins. Whether you’re spinning reels or betting on blackjack, 7Bit delivers a real money experience that’s hard to beat.

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Why 7Bit Casino?

7Bit Casino, around for over a decade, nails what players want: privacy, speed, and fun. It’s a no KYC casino for crypto users, meaning you can play without sharing tons of personal info, which is a big plus for privacy lovers. Plus, payouts are lightning-fast, especially with crypto, often hitting your wallet in minutes. It’s not just about the games; it’s about the whole experience, from easy sign-ups to 24/7 help if you need it.

A Closer Look at the Best Online Casino: 7Bit Casino

7Bit Casino has earned its spot as the best online casino for 2025, and here’s why it’s our favorite. With more than 10 years under its belt, it knows how to keep players happy, especially those chasing the best online casino real money vibes.

Standout Features

First off, the welcome bonus is a game-changer. New players get a 325% match up to 5.25 BTC plus 250 free spins spread over four deposits. Imagine boosting your bankroll right off the bat—that’s what 7Bit does, making it the best online casino sign-up bonus around. For example, a $100 deposit could net you extra funds and spins to try out slots like Book of Dead.

But wait, there’s more! 7Bit keeps the excitement going with ongoing deals like reload bonuses, free spins, and cashback offers. They’ve got tournaments too, like Pragmatic Play’s Drops and Wins with big prize pools, so there’s always something to chase.

Game Galore

Games? Oh, they’ve got over 7,000, from classic slots to live dealer blackjack. Whether you’re into fast-paced action or strategic play, 7Bit’s got you covered. Top providers like NetEnt, Microgaming, and Evolution Gaming power these games, ensuring they’re fair and fun. It’s like having a casino in your pocket, perfect for online gambling for real money.

Payments and Privacy

Paying in and out is a breeze. You can use crypto like Bitcoin or stick with regular options like Visa or Pay ID. Crypto payouts are super quick, sometimes in minutes, which is why 7Bit’s a top pick for those wanting the best online casino payouts. And if you value privacy, it’s a no KYC casino for crypto, meaning less hassle and more play.

Support That’s Always On

Need help? 7Bit’s customer support is there 24/7 via live chat or email. They’re quick to fix issues, making your time at one of the best online casinos stress-free. It’s all about making sure you enjoy the ride, whether you’re new or a seasoned player.

In short, 7Bit Casino’s mix of big bonuses, tons of games, fast payouts, and player-friendly features makes it our go-to real money casino for 2025.

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Pros and Cons

Here’s a quick rundown of what’s great and what could use a tweak at 7Bit Casino:

Pros:
- Big Welcome Bonus: 325% up to 5.25 BTC + 250 free spins over four deposits.
- Huge Game Library: Over 7,000 games, from slots to live dealer tables.
- Lightning-Fast Payouts: Crypto withdrawals in minutes, perfect for real cash online casino fans.
- Always There Help: 24/7 support via chat or email.
- Privacy First: No KYC for crypto, making it a safe online casino.
- Play Anywhere: Mobile site works great on phones and tablets.
Cons:
- Tricky Bonus Rules: Some bonuses need 40-45x wagering, which can be tough.
- Bonus Limits: Some deals only work on slots, not table games like poker.
How To Join 7Bit Casino

Getting started at 7Bit, one of the best online casinos, is super easy. Even if you’re new, you’ll be playing in minutes. Here’s how:
1. Visit 7Bit Casino: Click here to go straight to the sign-up page.
2. Make an Account: Hit “Sign Up,” enter your email, password, and currency. It’s quick, especially for crypto users with no KYC.
3. Add Some Money: Go to the cashier, pick crypto (like Bitcoin) or regular options (Pay ID, Visa), and deposit enough for the bonus.
4. Use the Bonus Code: If needed, type in the promo code (check the site for current ones, like “2DEP” for your second deposit).
5. Get Your Bonus: After depositing and entering the code, 7Bit adds bonus cash and spins to your account.
6. Start Playing for Real Money: Use your funds and bonuses to dive into games and chase those wins.
Pro Tip: Double-check your email and promo code to avoid missing out. Wrong entries won’t get you the bonus, so visit 7Bit’s promotions page for details.

How We Picked The Best Online Casino

We didn’t just pick 7Bit out of a hat. We looked at what really matters to make sure it’s the best online casino for real money play. Here’s how it stacked up:
- License and Safety: 7Bit’s got a Curacao eGaming license, a trusted name in online gambling. It uses top-notch SSL encryption to keep your data safe and games are provably fair, so you know it’s legit.
- Bonuses and Deals: The 325% welcome bonus up to 5.25 BTC + 250 free spins is huge, and they’ve got ongoing offers like cashback and free spins. It’s all about giving you more value.
- Available Games: Over 7,000 games mean you’ll never run out of options, from slots to live dealer tables. It’s a playground for all tastes.
- Game Makers: Top providers like NetEnt, Microgaming, and Evolution Gaming ensure games are fair, look great, and play smoothly.
- Payment Options: You can use crypto for instant payouts or stick with Visa, Pay ID, and more. It’s flexible and fast, perfect for top online casinos real money players.
- Help When You Need It: 24/7 live chat and email support mean help’s always a click away, making it a reliable real money online casino.
7Bit’s strong across the board, making it our pick for the best online casino in 2025.

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Top Casino Games At The Best Online Casino

7Bit Casino’s game lineup is a big reason it’s the best online casino. Here’s what you can dive into:

Online Slots

Slots are the star here, with thousands to choose from. From simple 3-reel classics to flashy video slots with bonuses and big jackpots, there’s something for everyone. Try hits like Starburst or Mega Moolah for a shot at huge wins, making it ideal for casino games that pay real money.

Blackjack

Love a challenge? Blackjack lets you beat the dealer to 21, mixing luck and strategy. 7Bit’s got classic, multi-hand, and live dealer versions, so you can play your way at this top online casino.

Roulette

Roulette’s all about chance, betting on where the ball lands. 7Bit offers American, European, and French styles, plus live tables for that real casino feel. It’s simple and thrilling, perfect for online gambling for real money.

Poker

Poker fans can enjoy video poker or live tables like Texas Hold’em and Caribbean Stud. It’s all about strategy and big payouts, fitting right into the best real money online casino vibe.

Live Dealer Games

Want the real deal? 7Bit’s live dealer section, powered by Evolution Gaming, brings blackjack, roulette, and baccarat to your screen with real dealers. It’s like being at a fancy casino, and it’s a highlight of top online casinos.

With so many options, 7Bit ensures every player finds their favorite way to win real money online instantly.

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Secure Payment Methods At Real Money Casinos

7Bit Casino makes paying easy and safe, which is key for the best online casinos for real money. Here’s what you can use:

Bitcoin (BTC)
- Type: Cryptocurrency
- Processing Time: Instant
- Notes: Fast, private, fee-free
Ethereum (ETH)
- Type: Cryptocurrency
- Processing Time: Instant
- Notes: Secure, quick transactions
Litecoin (LTC)
- Type: Cryptocurrency
- Processing Time: Instant
- Notes: Low fees, speedy
Visa/Mastercard
- Type: Traditional
- Processing Time: Instant (deposits), 1-3 days (withdrawals)
- Notes: Familiar, widely accepted
Pay ID
- Type: E-Wallet
- Processing Time: Instant
- Notes: Fast, secure, no bank details
Skrill
- Type: E-Wallet
- Processing Time: Instant
- Notes: Privacy-focused, quick
Bank Transfer
- Type: Traditional
- Processing Time: 3-5 days
- Notes: Secure for large sums, slower
- Cryptocurrencies: Use Bitcoin, Ethereum, or Litecoin for instant deposits and withdrawals, keeping things private and fast. It’s a big reason 7Bit’s a top pick for online casinos that pay real cash.
- Debit/Credit Cards: Visa and Mastercard are great for quick deposits, though withdrawals take a few days, standard for real money casinos.
- E-Wallets: Pay ID, Skrill, and Neteller let you pay without sharing bank details, perfect for privacy at a safe online casino.
- Bank Transfers: Good for big transactions, but expect a wait of 3-5 days.
7Bit’s payment options ensure you can manage funds easily, making it one of the best paying online casinos.

Playing Smart At Online Casinos

Gambling at 7Bit Casino should be fun, not stressful. They’ve got tools to help you stay in control:
- Deposit Limits: Set how much you can add daily, weekly, or monthly to keep spending in check.
- Loss Limits: Cap how much you can lose over a set time to avoid chasing losses.
- Wagering Limits: Limit your bets to stay disciplined, perfect for online gambling for real money.
- Session Time Limits: Track and cap how long you play to balance gaming with life.
- Cooling-off Periods: Take a break by pausing your account for a while.
- Reality Checks: Get pop-up reminders of how long you’ve been playing to stay mindful.
7Bit also links to support organizations for problem gambling, ensuring a safe experience at this best online casino. Remember, only wager what you can afford to lose.

Conclusion: The Best Online Casino For 2025

After checking out tons of platforms, we’re calling it: 7Bit Casino is the best online casino for 2025. With over 7,000 games—from slots like Mega Moolah to live blackjack—it’s a playground for all. The 325% welcome bonus up to 5.25 BTC is a huge kickstart, and crypto payouts are lightning-fast. As a no KYC casino, it’s perfect for privacy, and options like Pay ID make regular payments smooth. Sure, some bonus rules are tricky, and bank transfers are slow, but those are small compared to what 7Bit brings.

With a solid Curacao license and tight security, 7Bit’s the real deal. Ready to play? Sign up, grab your bonus, and see why it’s the best online casino out there at 7Bit Casino.

Common Inquiries About The Best Online Casinos

What makes 7Bit Casino the best online casino for 2025?

7Bit stands out with over 7,000 games, a 325% bonus up to 5.25 BTC + 250 spins, fast payouts, and no KYC for crypto, making it top for real money play.

Is 7Bit Casino safe and legit?

Yes, it’s licensed by Curacao, uses SSL encryption, and offers provably fair games, ensuring a secure and fair experience at a legit online casino.

What payment methods does 7Bit Casino accept?

7Bit accepts cryptocurrencies like Bitcoin, Ethereum, and traditional options like Visa, Pay ID, Skrill, ensuring flexibility for real money casinos.

Can I play on 7Bit Casino from my mobile device?

Absolutely, 7Bit’s mobile-optimized site works great on phones and tablets, offering seamless access to games and bonuses at the best online casino.

What are the wagering requirements for bonuses at 7Bit Casino?

Bonuses typically require 40-45x wagering, so check the terms. It’s standard for top online casinos, but can be challenging for some players.

Email: support@7bitcasino.com

Disclaimer and Affiliate Disclosure

Legal Disclaimer

This content is for info and fun only, not legal, financial, or gambling advice. Check local laws before playing. Gamble responsibly, only bet what you can afford. Seek help from NCPG if needed. Some links may earn us a commission at no cost to you, based on objective reviews.

Disclaimer: 7Bit Casino promotes responsible gambling. Verify local laws before playing, as it may not be licensed for New Jersey. Gamble only with funds you can afford to lose.

Gambling online comes with financial risks. Make sure you meet the legal age requirement (19+) in your region and follow local laws. Always engage in responsible gambling and check 7Bit’s official site for the latest terms, as promotions and payment methods may be updated.

General Disclaimer

This article is for informational and entertainment purposes only, not legal or financial advice. Content is based on research and user reviews as of writing. No warranties are made, and users must verify information before acting.

Casino and Gambling Disclaimer

Online gambling carries risks and isn’t for everyone. Confirm you’re of legal gambling age in your jurisdiction. Gambling laws vary, and compliance is your responsibility. We don’t promote gambling; participation is at your risk. 7Bit Casino is a third-party platform, and we’re not liable for losses or disputes.

Affiliate Disclosure

This article may include affiliate links, earning us a commission at no cost to you for qualifying actions. These support our content. Our reviews are unbiased, and we recommend only valuable products.

A photo accompanying this announcement is available at:
https://www.globenewswire.com/NewsRoom/AttachmentNg/1df27c57-fc29-4385-b7fb-0f16b6d505d9

The MIL Network –
May 8, 2025
MIL-OSI Economics: Pål Longva: Policy rate kept unchanged

Source: Bank for International Settlements

Presentation accompanying the speech

Chart 1: Policy rate kept unchanged at 4.5 percent

Norges Bank is tasked with keeping inflation low and stable. The operational target is inflation of close to 2 percent over time. We are also mandated to help keep employment as high as possible and to promote economic stability.

When inflation surged three years ago, we raised the policy rate sharply and rapidly. The policy rate has been held at 4.5 percent for more than a year. Inflation has fallen markedly from the peak but is still above target. Unemployment has edged up in recent years, albeit from a low level.

At yesterday’s monetary policy meeting, the Monetary Policy and Financial Stability Committee decided to keep the policy rate unchanged at 4.5 percent.

There is uncertainty about future economic developments, but the Committee’s current assessment of the outlook implies that the policy rate will most likely be reduced in the course of 2025.

We have not made new forecasts for this monetary policy meeting but have assessed new information about economic developments against the forecasts presented in March. I will now provide an account of these assessments, starting with international developments.

The global economy is marked by uncertainty about future trade policies. The US has raised tariffs on a range of goods, and some countries have responded with counter-measures. Trade barriers are now more extensive, and the global growth outlook appears to be weaker than assumed in the March Monetary Policy Report. While higher tariffs alone could push up inflation, lower global growth could dampen inflation.

Interest rate expectations have fallen internationally since March. Oil and gas prices and prices for a number of other commodities have fallen.

Global trade uncertainty has led to large movements in financial markets. Major equity indices fell sharply at the beginning of April but have since largely been reversed. Increased market stress and the fall in oil prices coincided with the krone weakening somewhat.

Tariffs have also risen for Norway. The US has imposed a tariff of 10 percent on many Norwegian goods and has announced an increase to 15 percent. The direct effect on growth in the Norwegian economy is likely limited, but global trade uncertainty could dampen activity.

Chart 2: Registered unemployment is little changed

So far, activity in the Norwegian economy has been broadly as expected. Activity in the primary housing market appears to have picked up a little recently but is still at a low level. House prices have been lower than projected. The employment rate is high, and employment is somewhat higher than expected. In recent months, registered unemployment has shown little change.

Chart 3: Inflation is still above target

Since the end of 2024, inflation in Norway has risen somewhat. In March, consumer price inflation fell to 2.6 percent. Inflation adjusted for tax changes and excluding energy products was stable at 3.4 percent. This was in line with our expectations. Overall inflation is primarily being driven by the rise in prices for food and services. The wage norm for manufacturing in 2025 is close to the Bank’s projection of overall annual wage growth. High growth in business costs is likely to stoke inflation ahead. Since the March Report, the krone has been weaker than expected. A weaker krone means higher prices for imported goods.

In summary, our assessment is that a restrictive monetary policy is still needed to bring inflation down to target within a reasonable time horizon. If the policy rate is lowered prematurely, prices may continue to rise rapidly. On the other hand, an overly tight monetary policy could restrict the economy more than needed to bring inflation down to target.

Since March, developments in the Norwegian economy have been broadly as expected. Trade barriers have, however, become more extensive, and there is uncertainty about future trade policies. This may pull the interest rate outlook in different directions. On the one hand, the global growth outlook appears to be weaker, and oil prices have fallen. Norway’s main trading partners are now expected to make more rate cuts than previously. On the other hand, the krone has weakened somewhat and been weaker than assumed.

The uncertainty surrounding the outlook is greater than normal, and the future path of the policy rate will depend on economic developments. The Committee will have received more information ahead of its next monetary policy meeting in June when new forecasts will also be presented.

MIL OSI Economics –

May 8, 2025

MIL-OSI: Form 8.5 (EPT/RI) – FD Technologies Plc

Source: GlobeNewswire (MIL-OSI)

FORM 8.5 (EPT/RI)

PUBLIC DEALING DISCLOSURE BY AN EXEMPT PRINCIPAL TRADER WITH RECOGNISED INTERMEDIARY STATUS DEALING IN A CLIENT-SERVING CAPACITY
Rule 8.5 of the Takeover Code (the “Code”)

1. KEY INFORMATION

(a) Name of exempt principal trader:	Investec Bank plc
(b) Name of offeror/offeree in relation to whose relevant securities this form relates: Use a separate form for each offeror/offeree	FD Technologies plc
(c) Name of the party to the offer with which exempt principal trader is connected:	Investec is Advisor and Joint Broker to FD Technologies plc
(d) Date dealing undertaken:	07^th May 2025
(e) In addition to the company in 1(b) above, is the exempt principal trader making disclosures in respect of any other party to this offer? If it is a cash offer or possible cash offer, state “N/A”	N/A

2. DEALINGS BY THE EXEMPT PRINCIPAL TRADER

Where there have been dealings in more than one class of relevant securities of the offeror or offeree named in 1(b), copy table 2(a), (b), (c) or (d) (as appropriate) for each additional class of relevant security dealt in.

The currency of all prices and other monetary amounts should be stated.

(a) Purchases and sales

Class of relevant security	Purchases/ sales	Total number of securities	Highest price per unit paid/received	Lowest price per unit paid/received
Ordinary	Purchases	77,332	2360	1950
Ordinary	Sales	73,731	2360	1950

(b) Cash-settled derivative transactions

Class of relevant security	Product description e.g. CFD	Nature of dealing e.g. opening/closing a long/short position, increasing/reducing a long/short position	Number of reference securities	Price per unit
N/A	N/A	N/A	N/A	N/A

(c) Stock-settled derivative transactions (including options)

(i) Writing, selling, purchasing or varying

Class of relevant security	Product description e.g. call option	Writing, purchasing, selling, varying etc.	Number of securities to which option relates	Exercise price per unit	Type e.g. American, European etc.	Expiry date	Option money paid/ received per unit
N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

(ii) Exercise

Class of relevant security	Product description e.g. call option	Exercising/ exercised against	Number of securities	Exercise price per unit
N/A	N/A	N/A	N/A	N/A

(d) Other dealings (including subscribing for new securities)

Class of relevant security	Nature of dealing e.g. subscription, conversion	Details	Price per unit (if applicable)
N/A	N/A	N/A	N/A

3. OTHER INFORMATION

(a) Indemnity and other dealing arrangements

Details of any indemnity or option arrangement, or any agreement or understanding, formal or informal, relating to relevant securities which may be an inducement to deal or refrain from dealing entered into by the exempt principal trader making the disclosure and any party to the offer or any person acting in concert with a party to the offer:
Irrevocable commitments and letters of intent should not be included. If there are no such agreements, arrangements or understandings, state “none”

None

(b) Agreements, arrangements or understandings relating to options or derivatives

Details of any agreement, arrangement or understanding, formal or informal, between the exempt principal trader making the disclosure and any other person relating to:
(i) the voting rights of any relevant securities under any option; or
(ii) the voting rights or future acquisition or disposal of any relevant securities to which any derivative is referenced:
If there are no such agreements, arrangements or understandings, state “none”

None

Date of disclosure:	08^thMay 2025
Contact name:	Abhishek Gawde
Telephone number:	+91-9923757332

Public disclosures under Rule 8 of the Code must be made to a Regulatory Information Service.

The Panel’s Market Surveillance Unit is available for consultation in relation to the Code’s dealing disclosure requirements on +44 (0)20 7638 0129.

The Code can be viewed on the Panel’s website at www.thetakeoverpanel.org.uk.

MIL-OSI: Stabilization Notice – PRE Stab – Accorinvest Group SA x 3 Tranches

Source: GlobeNewswire (MIL-OSI)

[8/05/2025]

Not for distribution, directly or indirectly, in or into the United States or any jurisdiction in which such distribution would be unlawful.

[Accorinvest Group SA]

Pre-stabilisation Period Announcement

BNP Paribas (contact: Stanford Hartman telephone: 0207 595 8222 hereby gives notice, as Stabilisation Coordinator, that the Stabilisation Manager(s) named below may stabilise the offer of the following securities in accordance with Commission Delegated Regulation EU/2016/1052 under the Market Abuse Regulation (EU/596/2014).

The securities:1
Issuer:	Accorinvest Group SA
Guarantor (if any):	N/A
Aggregate nominal amount:	TBC
Description:	EUR 5YR FIXED EUR 7YR FIXED EUR 7yr FRN
Offer price:	TBC
Other offer terms:
Stabilisation:
Stabilisation Manager(s)	BNP Paribas, Credit Agricole, Natixis, Commerzbank, MUFG, Bank of America, CIC, ICBC, Natwest, Goodbody
Stabilisation period expected to start on:	8/05/2025
Stabilisation period expected to end no later than:	22/6/2025
Existence, maximum size and conditions of use of over‑allotment facility:	The Stabilisation Manager(s) may over‑allot the securities to the extent permitted in accordance with applicable law.
Stabilisation trading venue:	[Over the counter (OTC)] [insert venue name] [To be confirmed]

In connection with the offer of the above securities, the Stabilisation Manager(s) may over‑allot the securities or effect transactions with a view to supporting the market price of the securities during the stabilisation period at a level higher than that which might otherwise prevail. However, stabilisation may not necessarily occur and any stabilisation action, if begun, may cease at any time. Any stabilisation action or over‑allotment shall be conducted in accordance with all applicable laws and rules.

This announcement is for information purposes only and does not constitute an invitation or offer to underwrite, subscribe for or otherwise acquire or dispose of any securities of the Issuer in any jurisdiction.

This announcement and the offer of the securities to which it relates are only addressed to and directed at persons outside the United Kingdom and persons in the United Kingdom who have professional experience in matters related to investments or who are high net worth persons within Article 12(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 and must not be acted on or relied on by other persons in the United Kingdom.

In addition, if and to the extent that this announcement is communicated in, or the offer of the securities to which it relates is made in, the UK or any EEA Member State before the publication of a prospectus in relation to the securities which has been approved by the competent authority in the UK or that Member State in accordance with Regulation (EU) 2017/1129 (the “Prospectus Regulation”) (or which has been approved by a competent authority in another Member State and notified to the competent authority in the UK or that Member State in accordance with the Prospectus Regulation), this announcement and the offer are only addressed to and directed at persons in the UK or that Member State who are qualified investors within the meaning of the Prospectus Regulation (or who are other persons to whom the offer may lawfully be addressed) and must not be acted on or relied on by other persons in the UK or that Member State.

This announcement is not an offer of securities for sale into the United States. The securities have not been, and will not be, registered under the United States Securities Act of 1933 and may not be offered or sold in the United States absent registration or an exemption from registration. There will be no public offer of securities in the United States.

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MIL-OSI Economics: Roong Mallikamas: From open finance to an inclusive digital society
Source: Bank for International Settlements

Introduction: ASEAN’s Fintech Potential

President of Money20/20 (Tracey Davies)
Distinguished guests

I’m honored to be here today at Money20/20 to discuss a topic that’s crucial to the future of finance in ASEAN: “From Open Finance to an Inclusive Digital Society.”

Our region, a vibrant mosaic of economies, presents an unparalleled opportunity for fintech innovation. With a combined population exceeding 650 million and a rapidly growing digital consumer base, the potential is immense.

ASEAN’s digital economy is projected to reach over $360 billion by 2025.¹ Yet, a significant portion of our population remains unbanked or underbanked. For instance, studies indicate that over 60% of adults in some ASEAN nations lack access to formal financial services.² This substantial underbanked segment represents a critical opportunity for fintech to provide relevant and accessible solutions.

The reasons for this underbanking are multifaceted, often stemming from limited data availability for credit assessment, a lack of transparency in financial product offerings, and poor interoperability between existing systems. These factors collectively contribute to a high cost of customer acquisition for traditional banks, hindering their ability to effectively serve these populations. Fintech, with its agility and data-driven approaches, is uniquely positioned to overcome these barriers, fostering greater financial inclusion and driving economic growth by empowering our communities with seamless access to tailored financial tools and services.

Thailand’s Context and the BOT’s 3 Opens

Ladies and Gentlemen.

Policy objectives for driving inclusive digital finance often involve balancing the trilemma of stability/safety, efficiency, and inclusion. And to clarify what we mean by inclusion, it goes beyond simply having a bank account. It’s about ensuring that everyone – individuals, small businesses, and marginalized communities – can access and utilize appropriate financial services like payments, savings, credit, and insurance in a convenient and affordable way. This is the vision we strive for in ASEAN, and each country prioritizes these elements of the trilemma with its own context and evolving needs.

Initially when developing PromptPay which is our national real-time payment system, Thailand focused on driving inclusion and maintaining stability,. Now, we emphasize competition and efficiency, recognizing that smaller, agile players – fintechs and new entrants – are often better positioned to innovate and address the diverse, unmet needs of specific customer segments due to their nimbler structures and specialized focus. This competition, while maintaining system safety, can lead to more tailored and accessible financial solutions that larger, established institutions may find challenging to deliver efficiently across all demographics. Thailand’s journey provides some lessons learned on how policy objectives have shifted and henceforth led us to pursue the ‘3 Opens’ as our strategic priorities-Open Competition, Open Infrastructure, and Open Data.
- Open Infrastructure: Promotes interoperability and seamless connectivity, enabling efficient financial transactions.
- Open Data: Facilitates data sharing and collaboration, driving the development of personalized financial solutions.
- Open Competition: Encourages new players, fostering innovation and enhancing consumer choice.
Let’s delve deeper into each of these “3 Opens”.

Analyzing the 3 Opens: Rationale and Way Forward

[1 From PromptPay to Open Infrastructure]

In 2015, we aimed to promote inclusion through digital payments, leading to the development of PromptPay with the following regulatory constructs at that time with banks only: welfare and tax refunds, low fee, standardization, safety/stability.

Economically, a payment infrastructure is a natural monopoly, which is amplified by economies of scale, network effects, and data accumulation. Therefore, key infrastructure needs to be regulated, especially for fair access, pricing, etc. to ensure cost efficiency of the payment flows through the infrastructure. The initial restriction on non-banks participating in the infrastructure was a lesson learned. Although this strategy led to high adoption rates and a stable system, it inadvertently stifled innovation among existing players, who faced less competitive pressure to evolve their offerings. This is a key factor driving our current emphasis on opening up the infrastructure.

Currently, we aim to place more emphasis on efficiency, enabling Open Infrastructure by allowing non-banks to play a role in providing services that enhance access to digital finance for underserved groups. Therefore, the BOT will enhance the oversight of Systemically Important Retail Payment Systems (SIRPS), aligning with central bank practices abroad, such as the European Central Bank. Key regulatory criteria include membership and access rules, and fee structure. Thailand’s broad payment strategy is that”payment should be broader than payment”. BOT hence focuses on Open payment infrastructure and Open payment data for better access to finance.

[2 Leveraging data and technology with Open Data]

Having witnessed the transformative impact of PromptPay’s widespread adoption in retail fast payments, We are now strategically focusing on the next critical layer of digital infrastructure. Our priority is to put in place data sharing infrastructure, recognizing its pivotal role in driving further innovation and efficiency within the financial ecosystem.

Open Data is not just about technology. it’s a catalyst for financial inclusion. Currently, customer data is scattered across various service providers and agencies. If there is a mechanism allowing customers to easily request their service providers and agencies to share their data to other service providers and agencies, it will enable customers to better utilize their data to receive improved financial services.

BOT pursues Project ‘Your Data’ to empower customers to have their own financial information and non-financial data portable to another service provider based on customer consent. Our priority use cases are access to credit and personal financial management as they still pose significant gaps in our financial system. Therefore, the data that serve such use cases include payment history, account balance, investment holdings, and government data such as tax filing information and utilities usage. By enabling secure and seamless data sharing, we’re empowering individuals and SMEs, particularly those traditionally underserved, to access tailored financial services and participate fully in the digital economy.

[3 Open Infrastructure and Open Data as foundation for Open Competition]

With the imminent launch of Project Your Data, we are establishing a robust supply of data within the financial ecosystem. Simultaneously, the Bank of Thailand is actively fostering demand by enabling financial service providers to innovate and compete on offering enhanced loan products and personal financial management solutions. The introduction of the new virtual banking license will empower digital-native players with tech-focused solutions to fully capitalize on this data sharing infrastructure. Furthermore, the soon-to-be-established National Credit Guarantee Agency will integrate this very data sharing mechanism to enhance its operations and support broader access to credit, especially for underserved SMEs.

With robust infrastructure and data sharing as the bedrock, all players – banks, fintechs, and virtual banks – can operate at their full capacity in an Open Competition, driving innovation and enhancing financial services for underserved communities. Fintechs, leveraging technology with greater agility and often a higher risk appetite than traditional institutions, can better cater to specific customer needs within these segments. For example, they can utilize alternative data for credit scoring individuals with limited traditional credit history, create tailored digital platforms for efficient invoice financing and supply chain management solutions, or offer integrated accounting and payment systems that streamline operations and improve cash flow for small businesses.

As we encourage new players to drive competition and expand financial inclusion, including these fintechs with their enhanced technological capabilities and willingness to navigate higher risk for underserved segments, we acknowledge the inherent risks associated with novel technologies. Beyond foundational technologies like digital assets and tokenization, fintechs are pioneering areas such as blockchain-based trade finance platforms that can reduce costs and increase transparency for SME cross-border transactions, and data analytics tools that provide SMEs with valuable insights for better financial planning and access to tailored financial products. Our regulatory approach must therefore truly consider both the transformative potential and the evolving risks these innovations present, ensuring a balance between fostering access and maintaining stability.

[4 Regulatory approach to embrace the new technology by collaboration]

Building on this foundation of open infrastructure and data, which empowers a diverse ecosystem of players, including agile fintechs uniquely positioned to serve underserved segments, our journey is one of continuous learning and adaptation. We recognize that the financial technology landscape is rapidly evolving, and no single entity holds all the answers. Therefore, our approach moving forward is deeply rooted in collaboration. We are committed to working hand-in-hand with the industry, including our fintech community, to refine our policies and navigate the complexities of this dynamic environment. Furthermore, we actively seek to learn from the experiences and best practices of both regulators and innovative fintech companies across the ASEAN region and beyond, fostering a collective understanding that will shape a resilient and inclusive financial future for all.

[Collaborative Learning and Adaptive Guardrails]

Drawing upon our internal explorations with cutting-edge technologies like CBDC, we are now extending this spirit of learning and adaptation to the wider financial industry. Recognizing that innovation, especially from new players, can yield unpredictable outcomes, our approach centers on establishing clear ‘guardrails’ – collaboratively defining the boundaries to prevent systemic risks while allowing for experimentation. This ensures a resilient financial system that can safely accommodate novel solutions.

[Enticing Innovation through an Evolving Regulatory Sandbox]

A key element of our collaborative strategy is our Enhanced Regulatory Sandbox. This controlled environment is specifically designed to attract fintechs and innovators to Thailand, offering a safe space to test ideas where risks are still being understood. Our initial focus includes Programmable Payments, demonstrated by the ‘Tourist Wallet’ application enabling USD stablecoin conversion to THB stablecoin for limited tourist spending, and ‘Programmable Escrow Payments’ designed to enhance trust and transparency in online commerce by automating fund release upon condition fulfillment. These real-world examples showcase the tangible opportunities within our sandbox.

[A Streamlined Sandbox for Agile Collaboration]

We understand that a cumbersome sandbox can stifle innovation. Therefore, we are actively transforming our Enhanced Regulatory Sandbox to be more agile and accessible, with expanded scope, reduced compliance burdens, and significantly faster processing times – aiming for a 6-to-12-month timeframe for projects like Programmable Payments. By opening our sandbox to both regulated and unregulated entities, we aim to foster a vibrant collaborative space where knowledge sharing and rapid iteration can occur. The valuable lessons learned within this sandbox will directly inform our evolving regulations, ensuring they remain relevant and supportive of a dynamic digital finance ecosystem in Thailand.

Conclusion: Building a Future-Ready and Inclusive ASEAN Fintech Ecosystem

In closing, the journey we’ve outlined today underscores the Bank of Thailand’s unwavering commitment to fostering a dynamic and inclusive digital financial landscape within ASEAN. We firmly believe that by strategically embracing the ‘3 Opens’ – Open Competition, Open Infrastructure, and Open Data – we can unlock the immense potential of digital finance to address the unique needs of our diverse populations, particularly the underserved.

Our experience, from the foundational success of PromptPay to the ongoing development of Project Your Data and our cautious exploration of new technologies within our enhanced Regulatory Sandbox, represents our attempt to learn and adapt. We understand that real progress requires not only innovation but also a continuous focus on resiliency, security, and responsible growth.

The path ahead necessitates continued collaboration – between regulators, financial institutions, fintech pioneers, and the very communities we aim to serve. By working together, sharing insights, and learning from each other’s experiences, we can collectively build a future-ready ASEAN fintech ecosystem that is not only innovative and efficient but also truly inclusive, empowering individuals and businesses across our vibrant region to thrive in the digital age.

Thank you.
MIL OSI Economics –
May 8, 2025
MIL-OSI Economics: Eli M Remolona: Welcome remarks – Presidential and National Anti-Money Laundering, Counter-Terrorism Financing, Counter Proliferation Financing Coordinating Committee (NACC) Recognition Ceremony

Source: Bank for International Settlements

Introduction

Colleagues from the government, partners in the private sector, esteemed guests, good afternoon. Magandang hapon po.

I am pleased to welcome you to this recognition ceremony where we honor the champions behind our exit from the FATF grey list. Our sincere thanks to the Office of the President for hosting this occasion in the revered halls of Malacañang.

Over a decade of challenge

We were placed on the grey list in 2021. But the real story stretches back 10 years before that. Starting in 2010, global banks were already doing something called de-risking-where they started cutting off their relationships with our banks.

This means, this exit ends not just three years on the grey list, but more than a decade of doing business with a handicap. We spent more than a decade wandering in the wilderness.

A study of grey-listed countries shows that grey listing results in deep declines in foreign direct investments, capital inflows, inward payments, and external loans. This reduced our access to global markets, which limited our growth potential.

Grey listing imposed enhanced monitoring while we address gaps on anti-money laundering, counterterrorism and proliferation financing frameworks.

That is real pressure because failure will mean something much worse. It could mean going to the blacklist. We had three years to work on it, but we came together, we made our way out of the wilderness.

Getting off the grey list was not easy. It was critical that the President (Ferdinand R.) Marcos (Jr.) made it a priority and Executive Secretary (Lucas) Bersamin steered our efforts.

Through concerted reforms, government agencies fortified our financial system and reaffirmed our commitment to combating financial crimes.

Closing

Today, we honor our public and private sector champions who made this happen. Many of you work quietly behind the scenes but today, we give you the recognition and gratitude you deserve.

Maraming salamat sa inyong lahat. Mabuhay tayong lahat!

MIL OSI Economics –

May 8, 2025
MIL-OSI Economics: Lesetja Kganyago: The role of ethical leadership amid threats to academic freedom

Source: Bank for International Settlements

Good morning graduates and members of the university community.

It is my distinct honour to be recognised by Walter Sisulu University (WSU), an institution that bears the name of such an influential figure in South Africa’s history.

Incidentally, just over four years ago, I was conferred an honorary doctorate by a university named after Walter Sisulu’s lifelong friend, Nelson Mandela. I consider it a profound privilege for my name to be attached, albeit indirectly, to these two great men through the universities that stand as monuments to their legacies.

Today I would like to take the opportunity to reflect on the importance of safeguarding institutions such as WSU, tied as they are to our country’s past and – more critically – its future.

During apartheid, South Africa’s universities became key sites of political activity. In an effort to curtail any political mobilisation, the government clamped down on progressive academics and student organisations.

In the 1980s, for example, five lecturers at the University of Transkei, the institution that would later become WSU, were deported. Hundreds of students were arrested and more were banned from campus.¹

But this campaign against academic freedom went beyond the hard power tactics displayed in the 1980s. The government also exacted its influence by meddling in appointments and creating obstacles to certain areas of research.²

What happened at our universities during apartheid was not a one-off, and history has repeated itself in a number of different contexts since.

Most recently, universities in the United States (US) have also come under undue pressure. And US universities are not the only ones under strain, with research suggesting that academic freedom has declined in several other democracies in recent years.

In spite of our own recent history, today some South African universities face intense pressure to bend on their principles in relation to their academic boycotts of certain countries.³

Having led the South African Reserve Bank for just over a decade now, I have come to understand that institutions often comes under attack when they shed light on some or other dereliction of duty elsewhere.

Whether it be a government’s failure to uphold the rights of its citizens or its stated democratic ideals, or a financial institution’s neglect to safeguard people’s money, the attacker’s response is often the same: a strike at the target’s independence.

As we know, independence is sacred, especially for those institutions that hold a mirror up to power, as universities so often do.

To paraphrase Albert Einstein, academic freedom means having the right to seek the truth and to uncover that truth. Naturally this right comes with the duty not to withhold a part of what is believed to be true.⁴

It is no secret that South Africa’s universities have had their fair share of challenges over the years. Many of these have been the growing pains of a young democracy – and, while our universities have been bruised, they have not been broken.

However, there are likely more perils in store for our maturing democracy, one of which reared its head during the country’s last election. I am of course referring to the rise of anti-constitutionalism and populism, which have targeted parts of South Africa’s accountability ecosystem.

In the wake of this looming threat, and the other crises that have torn at the fabric of society, ethical leadership and strong governance are crucial to ensuring our universities can continue to deliver quality higher education.

Every leader, lecturer and graduate of this university will forever have Walter Sisulu’s name on their CVs. This comes with an immense responsibility.

Former President Nelson Mandela once described his comrade’s life as one of “absolute selflessness”.⁵

Indeed, Sisulu was known for embodying servant leadership, prioritising collective good over personal gain. He also fostered collaboration among his peers, helping build an organisation that would withstand some of history’s greatest tests.

As I stand before you today, now a member of this university community, I urge you all to model a type of leadership that will defend against threats to academic freedom and uphold accountability, thus safeguarding our country’s future.

Thank you.

MIL OSI Economics –

May 8, 2025

MIL-OSI: Best Online Casinos Ireland – JACKBIT Ranked #1 Irish Casino Site of 2025

Source: GlobeNewswire (MIL-OSI)

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A Player-Centric Review of the Best Online Casinos in Ireland

The review team conducted a thorough analysis, prioritizing the needs of Irish players. The evaluation criteria included:

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Mobile Experience: Seamless gaming across devices.
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Why JACKBIT Is the Best Online Casino in Ireland 2025

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Game Category	Examples	Providers
Slots	Starburst, Mega Moolah	NetEnt, Microgaming
Table Games	Blackjack, Roulette	Evolution, Pragmatic Play
Live Dealer	Live Poker, Baccarat	Evolution, Ezugi
Sportsbook	GAA, Soccer, Rugby	Proprietary

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JACKBIT’s bonuses are designed to maximize player value, starting with a Welcome Bonus of 30% Rakeback + 100 First Deposit Free Spins with no KYC requirements. Additional promotions include:

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Payment Method	Type	Processing Time	Fees
Bitcoin (BTC)	Crypto	Instant	None
Ethereum (ETH)	Crypto	Instant	None
Tether (USDT)	Crypto	Instant	None
Visa/MasterCard	Fiat	Instant	None
Google Pay/Apple Pay	Fiat	Instant	None
Bank Transfer	Fiat	1-3 Days	None

Online Security

JACKBIT prioritizes player safety with military-grade encryption, secure servers, and a dedicated security team. As an anonymous online casino, it eliminates KYC requirements, allowing Irish players to enjoy gaming without sharing personal details. This focus on privacy and security makes JACKBIT a top choice in the best online casinos in Ireland.

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Quality of Sportsbook

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Why JACKBIT Excels in 2025

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Exploring JACKBIT’s Unique Features

Multilingual Platform

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The Irish Gaming Experience with JACKBIT

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JACKBIT’s Role in Ireland’s Online Gambling Evolution

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How JACKBIT Supports Irish Players

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Comparing JACKBIT to Other Platforms

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JACKBIT’s Future in Ireland

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Final Words About The Best Online Casinos Ireland

JACKBIT Casino is the definitive choice for Irish players seeking the best online casinos Ireland in 2025. With its expansive game library, generous bonuses, secure payment options, and unwavering commitment to responsible gambling, JACKBIT delivers a gaming experience that is both thrilling and trustworthy. As a new online casino and anonymous online casino, it blends innovation with player-focused features, making it the premier pay ID casino for Irish players.

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Disclaimer & Affiliate Disclosure

This article is for general information and promotional purposes only and shouldn’t be taken as legal, financial, or professional advice. While we aim for accuracy, we can’t guarantee everything is up-to-date or complete. Please double-check details before acting. Some links may be affiliate links, meaning we could earn a commission at no extra cost to you, but this doesn’t affect our content or opinions. Online gambling is for adults of legal age (typically 19+ in Ireland) and carries financial risk. Play responsibly and seek help if needed. Brand names mentioned belong to their respective owners. By reading this, you accept full responsibility for how you use the information.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/9a494bed-945b-4b42-8b9d-25f7f239b9f2

EXPERIENCE 7BIT – DESIGNED FOR PLAYERS LIKE YOU!

MIL-OSI Economics: BOBC Auctions- 6 May 2025

Source: Bank of Botswana

The Monetary Policy Rate (MoPR) was unchanged at 1.9 percent of the previous week, for a paper maturing on 14 May 2025. The summarised results of the auction held on 7 May 2025, are attached below:

BOBC Results 6 May 2025.pdf

MIL OSI Economics –

May 8, 2025
MIL-OSI Banking: Innovation and Collaboration Needed to Address Ocean Sustainability Challenges Busan, Republic of Korea | 08 May 2025 APEC Secretariat APEC Secretariat

Source: APEC – Asia Pacific Economic Cooperation

In a significant moment for APEC’s ongoing efforts to safeguard the ocean, Ambassador Yoon Seongmee, Chair of the 2025 APEC Senior Officials’ Meeting, and Executive Director Eduardo Pedrosa underscored the urgent need for innovative solutions and greater regional collaboration to tackle critical ocean sustainability challenges.

Addressing APEC’s ocean and fisheries ministers at the 5th APEC Ocean-Related Ministerial Meeting held last week in Busanhttps://www.apec.org/press/news-releases/2025/ministers-commit-to-collective-actions-for-ocean-sustainability, Ambassador Yoon highlighted the ocean’s central role in APEC’s broader development agenda, emphasizing that it is not only a crucial resource but also a frontier for innovation.

“The ocean connects the Asia-Pacific region; it stands as a frontier for innovation and digital transformation, as well as a key resource for prosperity,” Ambassador Yoon said. “Our collective action today will help define a sustainable and prosperous future, not only for our oceans but for all of APEC’s economies.”

Ambassador Yoon spotlighted how APEC has evolved to meet the challenges posed by climate change, technological advancements and demographic shifts, noting that ocean issues are increasingly tied to these larger global challenges. In this context, she also emphasized the importance of the APEC Ocean-Related Ministerial Meeting (AOMM).

“AOMM is the highest-level forum dedicated to cooperation on ocean and fisheries issues within APEC, and its discussions will form a vital component of the outcomes of APEC 2025.”

Pedrosa echoed these sentiments, emphasizing that the APEC economies are deeply interconnected through the Pacific Ocean, the world’s largest body of water.

“We are connected by the Pacific Ocean, and its resources are vital to the economic and social well-being of our economies,” Pedrosa said. “However, the ocean is facing profound challenges, and it is imperative that we continue to innovate and collaborate to secure its health and sustainability for future generations.”

Pedrosa highlighted APEC’s strategic roadmaps that guide collective action in addressing ocean-related issues, including the APEC Roadmap on Marine Debris, the Roadmap on Combatting IUU Fishing, and the Roadmap on Small-Scale Fisheries and Aquaculture.

“These roadmaps provide clear frameworks for APEC economies to align their efforts, implement effective measures, and protect marine ecosystems,” he noted. “They serve as a foundation for collaborative strategies to combat marine pollution, reduce illegal fishing and ensure the sustainable management of small-scale fisheries.”

Pedrosa also emphasized how emerging technologies, such as data collection, remote sensing and traceability, will enhance APEC’s capacity to monitor and manage marine resources.

“Innovation is crucial for the resilience of our oceans,” Pedrosa stated. “By leveraging technology, we can improve our ability to forecast, manage and protect marine ecosystems while supporting sustainable economic activities like fisheries and aquaculture.”

As APEC economies continue to address these challenges, both Ambassador Yoon and Pedrosa emphasized the need for ongoing dialogue and action.

“Today’s discussions represent just the beginning,” Pedrosa concluded. “Through continued cooperation and innovative solutions, we will ensure that the ocean remains a source of prosperity for all economies, while safeguarding its health for future generations.”

Korea as the host of APEC 2025 will host a total of 13 ministerial and high-level meetings throughout the year. The next ministerial meetings on human resources development, education and trade will be held in Jeju from 12-16 May.

For further details, please contact:
[email protected]

MIL OSI Global Banks –

May 8, 2025

MIL-OSI: Real Money Online Casinos: 7Bit Ranked The Top Choice For Real Money Online Casino Players

Source: GlobeNewswire (MIL-OSI)

NEW ORLEANS, May 08, 2025 (GLOBE NEWSWIRE) — The online gambling industry is booming, with numerous platforms competing to be recognized as the best real money online casinos. For players seeking a real online casino that delivers excitement, security, and fast payouts, the choices can feel overwhelming.

This comprehensive review explores why 7Bit is the top choice for real money online gambling, detailing its features, bonuses, game selection, payment methods, and more. Whether you’re chasing jackpots on online slots real money or strategizing at blackjack tables, 7Bit delivers a premium experience that caters to all preferences.

Why 7Bit Casino Excels as the Best Real Money Online Casino

7Bit Casino, operational for over a decade, has honed its offerings to meet the demands of modern players. Its no-KYC policy for cryptocurrency users ensures privacy, a key draw for those seeking a discreet casino online real money experience. The platform’s fast payout system, particularly for crypto transactions, processes withdrawals in minutes, making it a leader among online casinos that pay real money.

With a game library exceeding 7,000 titles, 7Bit caters to every taste, from classic slots to live dealer games. Its mobile-optimized design ensures seamless access across devices, while 24/7 customer support guarantees assistance whenever needed. These qualities position 7Bit as the best online real money casino for 2025.

Feature	Details
Welcome Bonus	325% match up to 5.25 BTC + 250 free spins
Game Count	Over 7,000 titles from 50+ providers
Payment Methods	Bitcoin, Ethereum, Litecoin, Visa, MasterCard, Skrill, Neteller
Withdrawal Speed	Crypto: Instant; Fiat: 1–3 days
Customer Support	24/7 via live chat and email
License	Curacao eGaming Authority

Standout Features of 7Bit Casino

7Bit’s appeal as the best real money online casino lies in its robust features, tailored to enhance the player experience:

Welcome Bonus: New players receive a 325% match bonus up to 5.25 BTC and 250 free spins across four deposits, boosting their bankroll for casino games win real money.
Game Library: Over 7,000 games, including slots, table games, and live dealer options, sourced from top providers like NetEnt and Evolution Gaming.
Payment Flexibility: Supports cryptocurrencies for instant transactions and traditional methods like Visa and Skrill for broader accessibility.
Privacy: No KYC for crypto users, ensuring anonymous play at this real money online casino.
Fast Payouts: Crypto withdrawals are processed in minutes, ideal for players seeking online casinos real money with quick cashouts.
Mobile Compatibility: A responsive website ensures seamless gaming on smartphones and tablets.
Customer Support: 24/7 multilingual support via live chat and email (support@7bitcasino.com).

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These features make 7Bit a benchmark for best online casinos for real money in 2025.

Pros and Cons of 7Bit Casino

To provide a balanced perspective, here’s a detailed look at 7Bit’s strengths and weaknesses:

Pros	Cons
Generous 325% welcome bonus up to 5.25 BTC + 250 free spins	Some bonuses have high 40-45x wagering requirements
Over 7,000 games from top providers	Certain bonuses are limited to slots, not table games
Instant crypto withdrawals	Curacao license may not appeal to players seeking stricter regulation
No KYC for crypto users, enhancing privacy
24/7 multilingual customer support
Mobile-optimized platform

These factors make 7Bit a compelling choice among online real money casinos, though players should consider the cons based on their preferences.

How to Join 7Bit Casino

Joining 7Bit is a quick and user-friendly process, ideal for players seeking a casino online real money experience:

Visit 7Bit Casino: Click here to navigate to the official website and click “Sign Up.”
Register: Enter your email, create a password, and select your currency. Crypto users skip KYC verification.
Verify Email: Confirm your account via the verification email sent by 7Bit.
Deposit Funds: Choose from cryptocurrencies (Bitcoin, Ethereum) or fiat methods (Visa, Skrill). Meet the minimum deposit to activate the bonus.
Claim Welcome Bonus: Enter the promo code (e.g., “2DEP” for second deposit, check promotions page) to receive the 325% match and 250 free spins.
Start Playing: Explore the game library and enjoy casino games that pay real money.

Ensure accurate details and promo codes to avoid missing the bonus, making 7Bit a top pick for online casinos real money players.

How We Selected the Best Real Money Online Casino

Our selection process for the best real money online casinos was rigorous, ensuring only the most reliable platforms were recommended. We evaluated 7Bit based on:

License and Security: 7Bit operates under a Curacao eGaming License, with SSL encryption and provably fair games ensuring safety and transparency.
Bonuses and Promotions: The 325% welcome bonus and ongoing offers like cashback and tournaments provide excellent value.
Game Variety: Over 7,000 games, including slots, table games, and live dealers, cater to all preferences.
Game Providers: Partnerships with NetEnt, Microgaming, and Evolution Gaming guarantee quality and fairness.
Payment Methods: Crypto and fiat options, with instant crypto withdrawals, ensure flexibility and speed.
Customer Support: 24/7 availability via live chat and email ensures player satisfaction.

7Bit outperformed competitors, earning its title as the best online casino real money for 2025.

License and Security

7Bit operates under a Curacao eGaming License, ensuring compliance with industry standards for fair play and player protection. While Curacao’s regulations are less stringent than UKGC or MGA, they provide a solid framework for a real online casino. The platform employs advanced SSL encryption to safeguard data and transactions, and provably fair crypto games allow players to verify outcomes independently.

The no-KYC policy for crypto users enhances privacy, enabling anonymous play without compromising security, positioning 7Bit as a leader among online casinos for real money.

Bonuses and Promotions

7Bit’s bonuses enhance the gaming experience for both new and returning players:

Welcome Bonus: 325% match up to 5.25 BTC + 250 free spins across four deposits, ideal for casino games real money.
Reload Bonuses: Weekly offers like Monday Reload and Wednesday Free Spins keep players engaged.
Cashback: Up to 20% cashback on losses, softening the impact of unlucky streaks.
Tournaments: Pragmatic Play’s Drops & Wins with €2,000,000 prize pools offer competitive rewards.
VIP Program: Multi-tiered loyalty program with exclusive bonuses and faster withdrawals.

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These promotions, with fair terms, make 7Bit a top choice for real money online gambling.

Top Casino Games at 7Bit Casino

7Bit’s game library, with over 7,000 titles, is a cornerstone of its appeal, offering something for every player seeking casino games win real money.

Online Slots

Slots dominate with thousands of titles, from classic 3-reel games to modern video slots and progressive jackpots. Popular games include:

Starburst (NetEnt): 96.09% RTP, vibrant visuals, and expanding wilds.
Book of Dead (Play’n GO): 96.21% RTP, adventure-themed with free spins.
Mega Moolah (Microgaming): Progressive jackpot with life-changing payouts.
Gonzo’s Quest (NetEnt): 95.97% RTP, avalanche feature, and free falls.

These games make 7Bit a prime destination for online slots real money.

Blackjack

Blackjack variants include:

Classic Blackjack: 0.5% house edge with basic strategy.
European Blackjack: Dealer stands on soft 17, adding strategy.
Multi-Hand Blackjack: Play multiple hands for increased action.

Live blackjack tables, powered by Evolution Gaming, enhance the experience at this real money online casino.

Roulette

Roulette options include:

European Roulette: 2.7% house edge, player-friendly.
French Roulette: 1.35% house edge with La Partage rule.
American Roulette: Double zero increases house edge, but thrilling.

Live roulette adds real-time excitement for casino games that pay real money.

Poker

Video poker and live poker games include:

Jacks or Better: High RTP, classic video poker.
Texas Hold’em: Strategic live dealer option.
Caribbean Stud: Progressive jackpots for big wins.

These cater to skill-based players at online casinos real money.

Live Dealer Games

Live Blackjack: Varying stakes for all players.
Live Roulette: European and French variants.
Live Baccarat: Fast-paced for high rollers.
Game Shows: Dream Catcher and Monopoly Live for casual fun.

These replicate a land-based casino, making 7Bit a leader among best online casinos for real money.

Specialty Games

Keno, bingo, and scratch cards offer quick, casual play, adding variety to 7Bit’s portfolio for real money online gambling.

Secure Payment Methods at 7Bit Casino

7Bit’s payment options ensure secure and convenient transactions, ideal for online casinos that pay real money.

Method	Type	Deposit Time	Withdrawal Time	Notes
Bitcoin (BTC)	Cryptocurrency	Instant	Instant	Fast, private, fee-free
Ethereum (ETH)	Cryptocurrency	Instant	Instant	Secure, quick
Litecoin (LTC)	Cryptocurrency	Instant	Instant	Low fees, speedy
Visa/MasterCard	Credit/Debit Card	Instant	1–3 days	Widely accepted
Skrill	E-Wallet	Instant	Instant	Privacy-focused
Neteller	E-Wallet	Instant	Instant	Fast, secure
Bank Transfer	Traditional	1–3 days	3–5 days	Secure for large sums

Cryptocurrencies: Bitcoin, Ethereum, and Litecoin offer instant deposits and withdrawals, ideal for online real money casino players prioritizing speed and privacy.
Credit/Debit Cards: Visa and MasterCard ensure familiarity, though withdrawals take longer.
E-Wallets: Skrill and Neteller provide fast, private transactions without sharing bank details.
Bank Transfers: Suitable for large transactions, but slower processing times.

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Playing Smart at Online Casinos

7Bit promotes responsible gambling with tools to manage gaming habits:

Deposit Limits: Cap daily, weekly, or monthly deposits.
Loss Limits: Restrict losses over a set period.
Wagering Limits: Limit total bets for financial discipline.
Session Time Limits: Control gaming duration.
Cooling-Off Periods: Temporary account suspensions.
Self-Exclusion: Permanent or temporary account closure.
Reality Checks: Reminders of playtime.

Links to support organizations like the National Council on Problem Gambling ensure player well-being, making 7Bit a responsible best real money online casino.

Mobile Gaming Experience

7Bit’s mobile-optimized website delivers seamless gaming on smartphones and tablets, despite no dedicated app. Players access the full game library, manage accounts, and process transactions effortlessly. The responsive design ensures smooth navigation and fast loading, making 7Bit a top choice for online casinos for real money on the go.

Conclusion: The Best Real Money Online Casino for 2025

7Bit Casino stands out as the best real money online casino for 2025, thanks to its vast game selection, generous bonuses, and crypto-friendly approach. Its 7,000+ games, instant crypto withdrawals, and no-KYC policy cater to diverse player needs. While high wagering requirements and a Curacao license may not suit everyone, these are minor compared to 7Bit’s strengths. Join today at 7Bit Casino to experience why it’s the best online real money casino for real money online gambling.

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FAQ About Best Real Money Online Casinos

What makes 7Bit Casino the best real money online casino for 2025?

7Bit offers over 7,000 games, a 325% bonus up to 5.25 BTC, 250 free spins, instant crypto payouts, and no KYC for crypto users, ideal for real money online casinos.

Is 7Bit Casino safe and legitimate?

Licensed by Curacao eGaming, 7Bit uses SSL encryption and provably fair games, ensuring a secure and fair real online casino experience.

What payment methods does 7Bit Casino accept?

7Bit supports Bitcoin, Ethereum, Litecoin, Visa, MasterCard, Skrill, and Neteller, offering flexibility for online casinos that pay real money players.

Can I play 7Bit Casino on my mobile device?

Yes, 7Bit’s mobile-optimized site ensures seamless gaming on smartphones and tablets, making it a top casino online real money platform.

What are the wagering requirements for 7Bit Casino bonuses?

Bonuses typically require 40-45x wagering. Check terms to understand conditions, standard for the best online casinos for real money.

Does 7Bit Casino offer live dealer games?

Yes, powered by Evolution Gaming, 7Bit offers live blackjack, roulette, baccarat, and game shows for casino games real money casino players.

How fast are withdrawals at 7Bit Casino?

Crypto withdrawals are instant, often within minutes, while fiat methods take 1–3 days, ideal for online casinos real money cashouts.

Are bonuses restricted to specific games at 7Bit Casino?

Some bonuses are slot-specific, not applicable to table games. Review terms for eligibility at this real money online casino.

How does 7Bit ensure responsible gambling?

Tools like deposit limits, loss limits, and self-exclusion promote safe play, supported by resources like NCPG at this best real money online casino.

Is customer support available 24/7 at 7Bit Casino?

Yes, 7Bit offers 24/7 support via live chat and email, ensuring prompt assistance for online casinos for real money players.

Email: support@7bitcasino.com

Legal Disclaimer
This content is for informational and entertainment purposes only and does not constitute legal, financial, or gambling advice. Verify local gambling laws before playing. Gamble responsibly, only wagering what you can afford to lose. Seek help from the National Council on Problem Gambling if needed.

Casino and Gambling Disclaimer

Online gambling carries risks and isn’t for everyone. Confirm you’re of legal gambling age in your jurisdiction. Gambling laws vary, and compliance is your responsibility. We don’t promote gambling; participation is at your risk. 7Bit Casino is a third-party platform, and we’re not liable for losses or disputes.

Affiliate Disclosure
Some links may be affiliate links, earning a commission at no cost to you. Recommendations are based on objective evaluations, and partnerships do not influence content.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/030bbbc7-ff1d-4d56-b85e-90fe1f2a8b5b