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Category: Banking

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: BJMINING Cloud Mining Platform: Capitalizing on the Opportunities of U.S. Crypto Legislation

    Source: GlobeNewswire (MIL-OSI)

    Washington, D.C, July 15, 2025 (GLOBE NEWSWIRE) — The United States made significant progress in the regulatory landscape surrounding cryptocurrencies. The following legislative milestones highlight the current momentum:

    The GENIUS Act
    Passed by the Senate in June 2025 with a 68-30 vote, the GENIUS Act aims to establish a clear regulatory framework for stablecoins. Once signed by the President, it will represent the first major piece of crypto legislation in the U.S., potentially accelerating stablecoin adoption across financial markets.

    The Clarity Act
    This bill is designed to clearly define digital assets as either securities or commodities. It offers legal certainty for crypto startups, reducing compliance risks and fostering innovation.

    The Anti-CBDC Surveillance State Act
    Focused on preventing excessive government surveillance through Central Bank Digital Currencies (CBDCs), this proposal reflects the U.S. commitment to protecting privacy in the digital asset space.

    These developments indicate the U.S. government’s push to build a more transparent and legally sound environment for cryptocurrency. As a result, investor confidence is rising, paving the way for broader institutional and individual participation—including through platforms like cloud mining services that offer accessible crypto investment opportunities.

    BJMINING’s Competitive Edge in the Cloud Mining Industry

    Founded in 2015 and headquartered in London, UK, BJMINING is a fully regulated cloud mining platform serving a global user base. Below are its key competitive advantages:

    Low Entry Threshold
    BJMINING offers flexible mining plans with investment amounts ranging from $100 to $96,000. Users can mine cryptocurrencies without purchasing expensive hardware or paying electricity fees.

    Security and Regulatory Compliance
    The platform operates under international financial standards. With EV-SSL encryption, multi-factor authentication, and 24/7 monitoring, BJMINING ensures the security of all user accounts and assets.

    Global Operational Network
    BJMINING supports over 5 million users across 180+ countries and operates more than 60 mining farms worldwide, delivering stable computing power and high efficiency.

    User-Friendly Platform
    The platform’s intuitive design caters to both beginners and professional users. Mining contracts are easy to purchase and earnings can be monitored in real-time.

    Multi-Currency Support
    BJMINING supports mining of various cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), Ripple (XRP), and Tether (USDT), meeting diverse investment needs.

    Daily Earnings Distribution
    All mining profits are automatically credited to users’ accounts on a daily basis, offering steady cash flow.

    New User Bonus
    New users receive a $15 welcome bonus upon registration, enabling them to experience mining services with zero initial investment.

    Sustainability Commitment
    BJMINING integrates global green computing resources and is committed to delivering environmentally friendly mining solutions aligned with sustainable development goals.

    These strengths position BJMINING as a global leader in the cloud mining industry. With the regulatory environment in the U.S. becoming more favorable, the platform is likely to attract even more users seeking secure and low-risk crypto investment opportunities.

    How to Get Started with BJMINING

    Joining BJMINING is straightforward and user-friendly. Here’s how new users can begin mining:

    Step 1: Create an Account
    Visit the official website at https://www.bjmining.com and complete the registration process. New users will receive a $15 bonus instantly.

    Step 2: Choose a Mining Plan
    Select from a wide range of contracts with varying durations and investment levels. Plans can be tailored to your financial goals and risk appetite.

    Step 3: Start Mining Automatically
    Once a contract is purchased, BJMINING handles the entire mining process. No hardware setup or electricity payment is needed. Users can track earnings in real time via the dashboard.

    Step 4 (Optional): Use the Mobile App
    BJMINING also provides a mobile application (https://www.bjmining.com/app.html) for convenient access to mining contracts and performance tracking on the go.

    BJMINING Cloud Mining Earnings Table

    BJMINING offers a wide selection of mining contracts. Returns vary depending on the investment amount and duration. Below are examples of current available plans:

    Contract Project Investment Amount The term Total revenue
    WhatsMiner M50S+ $100 2days $100+$6
    WhatsMiner M60S++ $600 7days $600+$52.50
    Avalon Miner A1566 $1,200 15days $1,200+$234
    WhatsMiner M66S+ $5,800 30days $5,800+$2,610
    Antminer L7 $12,000 40days $12,000+$8,160
    ANTSPACE HD5 $96,000 54days $96,000+$119,232

    If a user invests $96,000 in the ANTSPACE HD5 hashrate contract (54-day term), the estimated total return can reach $215,232—including a net profit of $119,232. This option is ideal for long-term holders looking to optimize their asset allocation.

    Impact of U.S. Crypto Legislation on BJMINING

    Recent U.S. crypto legislation has created a favorable environment for platforms like BJMINING. Key developments include:

    Boosted Market Confidence
    The GENIUS Act and Clarity Act provide clearer rules for digital assets, attracting more investors and increasing demand for cloud mining services.

    Compliance-Driven Preference
    As regulation tightens, users are gravitating toward fully certified platforms. BJMINING, backed by leading international compliance standards, offers a trustworthy mining solution.

    Rising Market Opportunity
    With Bitcoin surpassing $123,000 in July 2025, optimism is high. Cloud mining’s low barrier to entry makes it an ideal gateway for new participants.

    Conclusion

    As U.S. crypto oversight becomes clearer, BJMINING emerges as a globally trusted, user-friendly platform offering secure, hassle-free mining. With flexible plans and daily returns, it’s well-suited to both newcomers and seasoned investors.

    Official Website: https://bjmining.com
    App Download: https://bjmining.com/xml/index.html#/app

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    The MIL Network –

    July 16, 2025

  • MIL-OSI: US 1 Hour Payday Loans With No Credit Check Guaranteed Approval -RadCred Launches New Features for Instant Loan for Bad Credit in 2025

    Source: GlobeNewswire (MIL-OSI)

    Glendale, California, July 15, 2025 (GLOBE NEWSWIRE) — RadCred has rolled out a fresh platform that delivers 1 hour payday loans no credit check guaranteed approval, giving consumers with bruised or thin credit files a faster route to emergency cash. The service lets qualified applicants tap up to $1,000—and as much as $5,000 for repeat borrowers by weighing verified income and real‑time bank activity instead of FICO scores. 

    Because the underwriting relies on a soft inquiry, credit scores stay intact while funds land the same day to cover surprise car repairs, medical co‑pays, or overdue rent. Whether a customer needs a $1,000 loan no credit check, instant payday loans online guaranteed approval, or a slightly larger no credit check personal loan, RadCred’s upgraded workflow promises rapid decisions, transparent terms, and cash in the bank within the hour.

    What Are 1 Hour Payday Loans?

    A 1 hour payday loans online no credit check instant approval product is a short‑term advance that covers urgent expenses think car repairs, medical co‑pays, or overdue rent until the borrower’s next paycheck. RadCred’s version is 100 percent digital: applications take three minutes, approvals rely on payday loan no credit check soft pulls, and repayments are debited automatically on the due date. Because the inquiry is “soft,” it leaves the applicant’s credit score unchanged, satisfying demand for payday loans online no credit check instant approval.

    Why Traditional Banks Fall Short and How RadCred Fills the Access Gap

    Traditional banks still lean on hard credit pulls, multi‑day underwriting, and rigid score cut‑offs, freezing out millions of Americans who need cash fast. When approvals hinge on FICO alone, anyone under 600 is either auto‑declined or steered toward high‑fee sub‑prime products hardly helpful in a crisis that can’t wait for a week‑long review.

    RadCred closes that gap with its 1 hour payday loans no credit check direct lender model. Instead of fixating on past missteps, the platform confirms steady income and live bank activity, then routes each request to a no credit check loans guaranteed approval direct lender able to fund within minutes. By skipping hard inquiries and delivering truly payday loans online same day, RadCred turns urgent expenses into manageable repayments, offering a lifeline whether you need instant payday loans online guaranteed approval or a smaller payday loan no credit check direct lender advance.

    How RadCred Solves the Problem of Instant Loans

    RadCred streamlines emergency borrowing through a four‑step path that turns 1 hour payday loans no credit check from promise to reality. First, applicants spend about three minutes completing a secure online form name, address, employer, and requested amount mirroring the ease people expect from payday loans online same day services. Next comes a soft inquiry plus bank‑feed scan that confirms deposits without lowering FICO scores, a crucial step for anyone chasing a fast payday loan no credit check approval. 

    Within sixty seconds, multiple state‑licensed, no credit check loans guaranteed approval direct lender partners post side‑by‑side offers, delivering the kind of choice typical of instant payday loans online guaranteed approval marketplaces. A quick e‑signature seals the deal, and the selected lender releases cash via instant ACH or debit‑card rails, so most borrowers see funds inside an hour true payday loans 1 hour no credit check performance from application to funding.

    Key Features of RadCred’s 1 Hour Payday Loan

    Soft Inquiry Only
    RadCred uses a soft credit check, so applying for its no credit check payday loans won’t lower your credit score or appear on your credit report.

    60‑Minute Funding Window
    Once approved, funds are typically deposited in your account within an hour true payday loans 1 hour no credit check speed for urgent financial needs.

    Income‑Based Approval
    Approval depends on your verified income and ability to repay, making even small payday loans online no credit check accessible to thin‑file borrowers.

    Transparent Pricing
    All fees and interest rates are clearly shown upfront, with no hidden charges crucial for users seeking payday loans online no credit check instant approval options.

    Encrypted & Compliant
    RadCred operates on secure, SOC 2 Type II–certified systems and partners only with 1 hour payday loans no credit check direct lender networks that follow state regulations and offer no credit check loans guaranteed approval direct lender safeguards.

    How to Get Guaranteed Approval for No‑Credit‑Check Instant Loans

    1. Visit RadCred.com
    2. Complete the three‑step form with ID and income details.
    3. Consent to a soft credit check and bank‑account verification.
    4. Compare lender offers; pick the term that suits your budget.
    5. E‑sign electronically and watch funds hit your account—often inside 60 minutes.

    Eligibility for a 1 Hour Payday Loan

    • U.S. resident, 18 years or older
    • Verifiable monthly income of $1,200 + (payroll, benefits, or 1099)
    • Active checking account for disbursement and ACH repayment
    • Valid email and mobile number for two‑factor authentication
    • No minimum credit‑score threshold—approval rests on present‑day cash flow, enabling 1 hour payday loans no credit check access for sub‑prime borrowers

    Why RadCred Is the Ideal Choice for Quick Payday Loans for U.S. Borrowers

    • Speed: Same hour funding beats branch visits, matching the pace of payday loans online same day competitors.
    • Accessibility: Soft‑inquiry path welcomes thin file and sub‑600 FICO applicants.
    • Choice: 170 + licensed lenders compete for each request.
    • Security: AES‑256 encryption and quarterly penetration tests safeguard data.
    • Compliance: Partners observe state APR caps and Truth‑in‑Lending disclosures.

    Types of 1 Hour Payday Loans RadCred Offers—with Instant Funding

    1 Hour Payday Loans – RadCred’s signature offering: up to $1,000 wired to your checking account in about an hour once you e‑sign ideal for 1 hour payday loans online no credit check instant approval seekers

    Instant Payday Loans – Nearly real‑time approvals for borrowers who need cash today; the platform’s AI pares decisioning down to a few minutes, then releases funds through same‑day ACH or debit‑card push.

    Bad Credit Payday Loans – Built for sub‑600‑FICO applicants; RadCred’s lenders focus on verified income rather than credit history, while still keeping the 60‑minute funding promise.

    Emergency Loans – A sub‑category aimed at life‑or‑death expenses think ER co‑pays or utility shut‑off notices delivering rapid cash without hard pulls.

    Best Same‑Day Loans – For situations that can wait a few hours but not overnight; applications submitted by the afternoon often see money in‑bank before close of business.

    $255 Payday Loans – A micro‑loan option popular in capped states; processed like other payday loans 1 hour no credit check products.


    How RadCred’s 1 Hour Emergency Loan Compares to Traditional Loans

    Traditional Bank or Credit‑Union Loans

    • Hard Credit Pull Required – Applicants below ~640 FICO are usually declined on the spot.
    • Multi‑Day Underwriting – Verification, manual review, and document requests can stretch decisions to a week.
    • Slower Funding – Even after approval, ACH disbursement often takes 24 hours to several business days.
    • Higher Rejection Rates for Sub‑Prime Borrowers – Score‑centric algorithms favor pristine histories, leaving many emergencies unfunded.
    • Designed for Larger, Planned Purchases – Typical amounts range from $3 k to $40 k; less suitable for a $400 carburetor or overdue utility bill.

    RadCred 1 Hour Payday Loans (No Credit Check)

    • Soft Inquiry Only – Approval hinges on verified income and cash‑flow, not FICO; credit score remains unaffected.
    • Automated 5‑Minute Decisioning – AI matches borrowers to licensed lenders in real time.
    • Funding in ≤ 60 Minutes – Instant ACH or debit‑card push payments land same‑day, even nights and weekends.
    • Inclusive for Scores Below 600 – Marketplace model delivers high approval odds for sub‑prime and thin‑file applicants.
    • Tailored for Emergency Cash Gaps – Loan sizes between $100 and $1,000 cover medical co‑pays, rent arrears, or urgent repairs without over‑borrowing.

    Conclusion

    With its latest release, RadCred makes 1 Hour Payday Loans With No Credit Check a practical reality for borrowers who cannot wait for bank underwriting. The platform’s income‑focused model, competitive lender marketplace, and end‑to‑end encryption translate to speed, transparency, and broader access without adding another hard inquiry to vulnerable credit files.

    Disclaimer

    RadCred is a loan‑matching platform, not a direct lender. Loans are offered by third‑party lenders licensed in the applicant’s state and are subject to state lending laws. Approval, funding speed, amounts, and APRs vary by lender and borrower qualifications; no loan is guaranteed for every applicant. This release may include forward‑looking statements that involve risks and uncertainties; actual outcomes may differ materially.  

    The MIL Network –

    July 16, 2025

  • MIL-OSI Russia: Just Four Months – Russians Reveal How Long They Are Ready to Live Without a Salary

    Translation. Region: Russian Federal

    Source: Mainfin Bank –

    An important disclaimer is at the bottom of this article.

    How do Russians evaluate the financial “safety cushion”?

    During the survey, 38% of Russians admitted to having no savings – they have no savings, so not receiving a salary in the first month will have a negative impact on their standard of living. The remaining citizens noted that they have a “safety cushion”, savings are enough to live without income:

    13% of Russians – no more than a month; 24% – within two months; another 12% of citizens will be able to hold out for up to six months; 7% of respondents are ready to live on savings for up to a year; only 6% of Russians have savings that will last for a year or more.

    A similar picture was demonstrated by the results of a similar survey conducted a year earlier. Then, 27% of respondents stated that their savings would last up to three months, and 12% – up to six months. The typical portrait of a person with savings was a family man, holding a management position in a large city and having a higher education.

    What has changed in the area of financial literacy among Russians?

    Although almost 40% of Russians do not have savings, the level of economic literacy in the country continues to grow. As the results of the study showed:

    78% of the population control the family budget; 80% of citizens plan income and purchases; about 50% of respondents keep track of their funds.

    “Surveys show that Russians are attentive to money – many plan a budget, control expenses, and keep records,” the expert noted.

    By the way, the literacy level of men is higher than that of women. Representatives of the stronger sex tend to plan expenses for a longer period – from six months: women are more likely to make impulsive purchases. Experts reminded that having a “safety cushion” for 3-6 months is the optimal solution that will allow you to survive a crisis or force majeure.

    12:00 07/15/2025

    Source:

    Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

    .

    MIL OSI Russia News –

    July 16, 2025

  • MIL-OSI USA: With Republican “Big Beautiful Betrayal” Now Law, Shaheen Discusses Cuts to Food Assistance, Clean Energy that Will Exacerbate the Cost-of-Living Crisis

    US Senate News:

    Source: United States Senator for New Hampshire Jeanne Shaheen
    (Nashua, NH) – Today, U.S. Senator Jeanne Shaheen (D-NH) hosted discussions with Granite State leaders to highlight the disastrous impacts of the Republican budget legislation, which is now law, on New Hampshire. Shaheen met with Granite State nonprofit leaders in Manchester, and local officials and business leaders in Nashua, to discuss cuts to food assistance and clean energy included in the legislation. You can view photos from both events here.
    In Manchester, Shaheen visited the New Hampshire Food Bank for a roundtable discussion with Granite State nonprofit leaders on the impact of Republican cuts to food assistance.
    “This bill that President Trump and Congressional Republicans jammed through Congress cuts health care and food assistance for millions of Americans in order to give trillions of dollars more to corporations and to the wealthiest,” said Senator Shaheen. “It’s going to raise costs for families in New Hampshire at a time when Granite Staters are already fighting to stretch every dollar. I’m grateful to the leaders and community members who shared their stories today and I’ll continue working with them to minimize the harm from this legislation.”
    According to the Center for Budget and Policy Priorities (CBPP), the cuts put food assistance benefits for thousands of Granite Staters at risk and will cost the state of New Hampshire between $8 million and $23 million per year.
    Later in Nashua, Shaheen toured Pennichuck Solar Farm with city officials, business leaders and advocates and discussed how the Republican legislation will drive up energy costs in New Hampshire.
    “The Republican budget bill eliminates commonsense, forward-looking clean energy and energy efficiency tax credits that help municipalities and working families use less energy and lower their energy costs,” said Senator Shaheen. “Nashua has been a leader in investing in clean energy projects that have already helped them lower their electricity bills and save taxpayer dollars, but thanks to the Republican megabill future projects are now at risk.”
    The City of Nashua has made significant investments in clean energy, utilizing federal incentives to support solar projects and reduce municipal electricity costs. The Republican legislation, which eliminates several longstanding bipartisan clean energy and energy efficient tax credits, has put future solar plans at risk.
    During the Senate “Vote-A-Rama” process, Shaheen forced a vote on her amendment to preserve four longstanding bipartisan consumer energy efficiency and clean energy tax credits that lower energy costs for families, make housing more affordable, protect American jobs and help give businesses the certainty they need to thrive. All but two Senate Republicans—Senators Susan Collins (R-ME) and Lisa Murkowski (R-AK)—voted to block Shaheen’s amendment.

    MIL OSI USA News –

    July 16, 2025

  • MIL-OSI: CleanChoice Energy Welcomes Christopher Smith as New Chief Financial Officer

    Source: GlobeNewswire (MIL-OSI)

    WASHINGTON, July 15, 2025 (GLOBE NEWSWIRE) — CleanChoice Energy (“CleanChoice”), the first 100% green company in the U.S. to provide ‘farm-to-table’ renewable energy by owning clean and reliable generation assets and supplying only clean energy to consumers, has named Christopher Smith as its new Chief Financial Officer (CFO).

    This news comes amidst a year of exciting transition for CleanChoice. Over the past 12 months, CleanChoice has interconnected its first solar project in Pennsylvania and announced three additional solar projects located in the northeast United States, while also continuing to grow its retail business. Smith will be a driving force in helping CleanChoice achieve its growth objectives as the company continues its evolution into both a supplier and generator of clean energy.

    “Chris brings deep capital-markets expertise and a track record of building top-flight finance teams at scale in energy businesses,” said Tom Matzzie, Founder & CEO of CleanChoice. “His appointment underscores our readiness to navigate evolving markets and to structure financing that earns investor trust—supporting CleanChoice’s commitment to responsible, resilient, sustainable growth.”

    “As CleanChoice Energy enters a new phase of growth, Chris brings the expertise and insight to help us traverse a changing industry,” Matzzie continued. “The United States is at a turning point. It faces both a critical need for not only more, but also cost effective and sustainable energy – seemingly everywhere and all at once – while customers demand not only a real choice but also a trusted partner in managing their energy future.”

    Smith has experience in building high performing finance teams and high quality businesses and will complement an already strong bench. Over the past two decades, Smith has held senior roles across top tier public and private organizations with a focus on growth and navigating complex challenges. Smith played a pivotal role in successfully growing Hannon Armstrong, and he served in key leadership roles at organizations such as Constellation Energy Commodities Group and Bank of America Merrill Lynch, among others. His background includes SEC reporting, investor relations, and significant capital markets expertise.

    “CleanChoice completely aligns with my passion to help companies grow in smart, sustainable ways,” noted Smith. “It’s all about the customer. CleanChoice is well positioned to expand upon its already considerable growth realized over the last decade not in spite of current challenges, but thanks to them. The new frontier of energy is here—we have the tools and technology to help customers lower costs, address sustainability goals, and improve reliability, and I’m eager to demonstrate to current and future customers, stakeholders and investors that clean energy is smart energy.”

    Finally, Matzzie added, “I’m thankful to John Burke for his support and leadership over the last nine years as Chief Financial Officer and I look forward to continuing to work with him in his new role as Chief Commercial Officer, in which he will architect and manage our growing wholesale and risk management platform.”

    For more information about CleanChoice Energy, visit www.cleanchoiceenergy.com.

    ABOUT CLEANCHOICE ENERGY
    CleanChoice Energy is one of the leading 100% renewable energy suppliers in the U.S. providing ‘farm-to-table’ clean energy providing consumers with alternative ways to access clean energy. CleanChoice has redefined cleantech, making it easy for people to live cleaner lives with pollution-free, renewable energy for their homes and businesses. Founded in 2012, CleanChoice has become one of the fastest-growing businesses in America, as ranked on the Inc 5000 and Deloitte’s Technology Fast 500™. CleanChoice Energy is majority-owned by Funds managed by True Green Capital Management LLC. For more information or to become a clean energy customer, visit CleanChoiceEnergy.com.

    Media Contact:

    Debbie Ehrman
    FINN Partners
    CleanChoiceEnergy@finnpartners.com

    Kate Colarulli
    Chief Strategy Officer
    Mobile: +1 202 380 8936
    kate.colarulli@cleanchoice.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/0abfacd9-ec3b-41c6-a137-aa0a28169644

    The MIL Network –

    July 16, 2025

  • MIL-OSI Canada: Minister Champagne to participate in G20 and G7 Finance Ministers and Central Bank Governors’ Meetings in South Africa

    Source: Government of Canada News

    July 15, 2025

    The Honourable François-Philippe Champagne, Minister of Finance and National Revenue, will participate in G20 and G7 Finance Ministers and Central Bank Governors’ (FMCBG) Meetings, in Durban, South Africa, from July 17 to 18. 

    Prior to the Meetings, during a short stay in Cape Town, the Minister will meet with local businesses and government officials with an eye to advance bilateral partnerships, economic development and innovation collaboration.

    In Durban, the Minister, together with Tiff Macklem, Governor of the Bank of Canada, will chair the fourth G7 FMCBG Meeting under Canada’s G7 Presidency. The agenda builds on the important progress made by Finance Ministers and Central Bank Governors at the G7 in Banff and the shared steps Canada and its partners are taking together to reduce ongoing trade and economic policy uncertainty.

    G7 Ministers and Governors will also discuss Russia’s illegal and unjust war against Ukraine, as well as actions to improve supply chain resilience Australia and South Korea have been invited to join the discussion on supply chains.

    The G20 FMCBG Meetings will focus on the global economy and on issues related to the international financial architecture, international taxation and ways to improve longer-term growth prospects in Africa and across the G20. 

    MIL OSI Canada News –

    July 16, 2025

  • MIL-OSI: White River Bancshares Co. Reports Net Income of $3.30 million, or $1.34 Per Diluted Share, in 2Q25; Results Driven by Loan Growth and Net Interest Margin Expansion

    Source: GlobeNewswire (MIL-OSI)

    FAYETTEVILLE, Ark., July 15, 2025 (GLOBE NEWSWIRE) — White River Bancshares Company (OTCQX: WRIV) (the “Company”), the holding company for Signature Bank of Arkansas (the “Bank”), today reported net income increased to $3.30 million, or $1.34 per diluted share, in the second quarter of 2025, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024. The Company reported net income of $2.63 million, or $1.07 per diluted share, for the prior quarter. In the first six months of 2025, net income increased to $5.93 million, or $2.42 per diluted share, compared to $2.36 million, or $1.11 per diluted share, in the first six months of 2024. All financial results are unaudited and all per share data has been adjusted to reflect the two-for-one stock split effected September 4, 2024.

    “We had a strong second quarter—the most profitable quarter we’ve ever had,” said Gary Head, Chairman and CEO. “We have been blessed to have incredible loan growth throughout the history of our company, and we build on that momentum quarter after quarter. Our Signature Bank family is the best group of bankers I’ve been associated with in my 43-year banking career. Their teamwork and commitment to excellence consistently go above and beyond expectations.”

    “As a community bank, expanding our deposit base to support new loan growth is critical,” said Scott Sandlin, Chief Strategy Officer. “Our Bank has made deposit gathering a primary focus, and our team has done an outstanding job—deepening relationships with existing clients while also bringing in new customers. As a result, total deposits increased 4.0% during the second quarter of 2025 and 23.2% year-over-year. At quarter end, demand and non-interest bearing accounts represented 18.7% of total deposits, and savings and interest-bearing transaction accounts represented 38.4% of total deposits. We will continue to actively seek more opportunities to grow deposits in the coming quarters to meet the increasing demand for loans.”

    Second Quarter 2025 Financial Highlights:

    • Net income for the second quarter of 2025 increased to $3.30 million, or $1.34 per diluted share, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024.
    • Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024.
    • Net interest margin (“NIM”) increased 31 basis points to 3.56% in the second quarter of 2025, compared to 3.25% in the second quarter of 2024.
    • The Company recorded an $800,000 provision for credit losses in the second quarter of 2025, compared to a $432,000 provision for credit losses in the second quarter of 2024.
    • Net loans increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024.
    • Nonperforming loans represented 0.03% of total loans at June 30, 2025, compared to 0.00% a year ago.
    • Total deposits increased $235.3 million, or 23.2%, year-over-year, to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024.
    • Core deposits (demand and non-interest-bearing, savings and interest-bearing transaction accounts, CDs under $250,000 and CDARs reciprocal deposits) represented 70.10% of total deposits at June 30, 2025.
    • Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 a year ago.

    Income Statement

    In the second quarter of 2025, the Company generated a return on average assets of 0.94% and a return on average equity of 12.62%, compared to 0.79% and 10.64%, respectively, in the first quarter of 2025 and 0.63% and 8.26%, respectively, in the second quarter of 2024.

    “Our second quarter net interest margin expanded by 17 basis points from the previous quarter and 31 basis points year-over-year, driven by loan growth and increased yields on our interest-earning assets,” said Brant Ward, President. NIM was 3.56% in the second quarter of 2025, compared to 3.39% in the first quarter of 2025, and 3.25% in the second quarter of 2024. In the first six months of 2025, NIM expanded 37 basis points to 3.48%, compared to 3.11% in the first six months of 2024.

    Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024. The increase was primarily due to year-over-year loan growth. Total interest income increased 24.8% to $21.2 million in the second quarter of 2025, compared to $17.0 million in the second quarter of 2024, primarily attributable to the increase in loans. Total interest expense increased to $9.3 million in the second quarter of 2025, from $8.0 million in the second quarter of 2024, primarily due to an increase in deposit costs. In the first six months of 2025, net interest income increased 31.9% to $22.5 million, compared to $17.1 million in the first six months of 2024.

    Noninterest income increased 7.9% to $2.1 million in the second quarter of 2025, compared to $1.9 million in the second quarter of 2024. The increase was primarily due to an increase in secondary market fee income, which more than offset the decrease in wealth management fee income during the second quarter of 2025. In the first six months of 2025, noninterest income increased 14.5% to $4.0 million, compared to $3.5 million in the first six months of 2024.

    Noninterest expense was $8.9 million in the second quarter of 2025, compared to $8.1 million in the second quarter of 2024, as expenses have normalized following the investment in expanding the Company’s market presence over the past few years. In the first six months of the year, noninterest expense increased 6.0% to $17.4 million, compared to $16.4 million in the first six months of 2024.

    Balance Sheet

    Total assets increased 18.4% to $1.434 billion at June 30, 2025, from $1.211 billion at June 30, 2024, and increased 4.0% compared to $1.379 billion at March 31, 2025. Cash and cash equivalents totaled $25.6 million at June 30, 2025, compared to $49.5 million a year ago. Investment securities totaled $140.5 million at June 30, 2025, an increase from $115.5 million at June 30, 2024.

    Loans, net of allowance for credit losses, increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024, and increased 5.9% compared to $1.128 billion at March 31, 2025.

    Total deposits increased 23.2% to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024, and increased 4.0% compared to $1.201 billion at March 31, 2025. Demand and non-interest-bearing deposits decreased less than 1% compared to June 30, 2024, while savings and interest-bearing transaction accounts increased 37.6% compared to June 30, 2024.

    FHLB advances were $21.5 million at June 30, 2025, compared to $54.3 million at June 30, 2024, and $21.6 million at March 31, 2025. Total stockholders’ equity increased to $102.5 million at June 30, 2025, compared to $92.0 million at June 30, 2024, and $100.5 million at March 31, 2025. Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 at June 30, 2024, and $40.33 at March 31, 2025.

    Credit Quality

    Due to strong quarterly loan growth, the Company recorded an $800,000 provision for credit losses in the second quarter of 2025. This is compared to a $670,000 provision for credit losses in the first quarter of 2025, and a $432,000 provision for credit losses in the second quarter of 2024.

    There were $365,000 in nonperforming loans at June 30, 2025. This compared to $420,000 in nonperforming loans at March 31, 2025, and $32,000 in nonperforming loans at June 30, 2024. Nonperforming loans represented 0.03% of total loans on June 30, 2025, 0.04% of total loans on March 31, 2025, and 0.00% of total loans a year ago.

    “We remain conservative in building our credit loss reserves, continually reviewing our loan mix, assessing growth trends, and factoring in both regional and national economic conditions to ensure our allowance remains appropriately calibrated,” said Jeff Maland, Chief Risk Officer. The allowance for credit losses was $14.0 million, or 1.16% of total loans, at June 30, 2025, compared to $13.3 million, or 1.17% of total loans, at March 31, 2025, and $12.4 million, or 1.25% of total loans, at June 30, 2024.

    Net loan recoveries were $11,000 in the second quarter of 2025. This compared to net loan charge-offs of $137,000 in the first quarter of 2025, and net loan charge-offs of $111,000 in the second quarter of 2024.

    Capital

    The Bank’s capital ratios continued to exceed regulatory “well-capitalized” requirements, with a Total risk-based capital ratio estimate of 11.69%, a Tier 1 ratio of 10.44%, and a Leverage ratio of 9.12% for the Bank at June 30, 2025.

    About White River Bancshares Company

    White River Bancshares Company is the single bank holding company for Signature Bank of Arkansas, headquartered in Fayetteville, Arkansas. The Bank has locations in Fayetteville, Springdale, Bentonville, Rogers, Brinkley, Harrison and Jonesboro, Arkansas. Founded in 2005, Signature Bank of Arkansas provides a full line of financial services to small businesses, families and farms. White River Bancshares Company (OTCQX: WRIV), trades on the OTCQX® Best Market.  

    In the second quarter of 2025, the Signature Bank celebrated its 20-year anniversary of service to its Arkansas communities. In tandem with the celebration, the organization updated its mission statement:
    We are committed to being a trusted local bank for business owners, individuals, and families who seek personalized service from people they know. Our mission is to empower our customers to strengthen their connections through every interaction, ensuring that their dollars are reinvested locally to support the growth and prosperity of the community we share. We have a passion for preserving the traditions of community banking as we embrace the power of technology.

    About the Region

    White River Bancshares Company is headquartered in thriving Northwest Arkansas in the Fayetteville-Springdale-Rogers MSA. The region is home to the corporate headquarters for Walmart Stores Inc, Sam’s Club, Tyson Foods, Simmons Foods, and J.B. Hunt Transport. Hundreds of other market-leading companies including Procter & Gamble, Johnson & Johnson, Coca-Cola and Rubbermaid maintain offices in the region in order to maintain their relationships with the locally based Fortune 500 companies. Northwest Arkansas is also home to the state’s flagship public educational institution, The University of Arkansas, and its Sam M. Walton College of Business. The region has seen significant growth in its medical and arts infrastructures with the continued expansion of Washington Regional Medical System, Northwest Medical System, Mercy Health System of Northwest Arkansas and Arkansas Children’s Hospital Northwest. Crystal Bridges Museum of American Art and the Walton Arts Center have led the expansion of the arts. Northwest Arkansas has been repeatedly recognized in recent years as one of the best places to live in the country and remains one of the nation’s fastest-growing regions. In May 2024, Walmart issued a relocation mandate requiring most of its remote employees, as well as most of its office workers in Dallas, Atlanta and Toronto to move to, in most cases, Bentonville by November 1, 2024. While the company did not disclose a number, Bloomberg reported that the number of Walmart employees who would be moving to Bentonville would be in the thousands. Walmart is making a major investment in its hometown facilities, building a new, 350-acre headquarters campus, including walking and biking trails, a hotel, fitness facilities and a large childcare center.

    The Company has expanded eastward, with new markets in Jonesboro and Harrison. Jonesboro, located in Craighead County, is a city located on Crowley’s Ridge in the northeastern corner of Arkansas. It is the home of Arkansas State University and the cultural and economic center of Northeast Arkansas. Jonesboro also houses the region’s hospital network. U.S. Steel Corp. announced that it would locate a new $3 billion steel factory in Northeast Arkansas in Osceola, a move expected to create 900 jobs with an average pay over $100,000 annually, making it the largest capital investment project in Arkansas history. Harrison sits below Branson, Missouri, which is a family tourist destination and outdoor recreation, and is well known as an entertainment destination.

    The Company currently operates out of ten locations; three in Washington County; three in Benton County; two in Monroe County; one in Boone County; and one in Craighead County.

    The housing market in Washington and Benton counties remains robust. According to the Northwest Arkansas Board of Realtors, the average home in Washington County sold for $429,000 in May 2025, with an average of 97 days on the market. For Benton County, the average house sold for $461,000, with an average of 92 days on the market.

    Source:
    http://www.nwarealtors.org/market-statistics/

    Forward Looking Statements

    This press release contains statements about future events. These forward-looking statements, which are based on certain assumptions of management of the Company and the Bank and describe our future plans, strategies and expectations, can generally be identified by use of forward-looking terminology such as “may,” “will,” “believe,” “plan,” “expect,” “intend,” “anticipate,” “estimate,” “project,” or similar expressions or the negative of those terms. Our ability to predict results of future events and the actual effect of future plans or strategies are inherently uncertain, and actual results may differ materially from those predicted in such forward-looking statements. Factors that could have a material adverse effect on our operations and future prospects or that could affect the outcome of such forward-looking statements include, but are not limited to, changes in interest rates; the economic health of the local real estate market; general economic conditions; credit deterioration in our loan portfolio that would cause us to increase our allowance for loan losses; legislative or regulatory changes; technological developments; monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury and the Federal Reserve Board; the quality or composition of our loan and securities portfolios; demand for loan products in our market areas; deposit flows and costs of capital; competition; retention and recruitment of qualified personnel; demand for financial services in our market areas; and changes in accounting principles, policies, and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. The Company does not undertake and specifically declines any obligation to publicly release the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

    Contact: Scott Sandlin, Chief Strategy Officer
      479-684-3754
       
    WHITE RIVER BANCSHARES COMPANY
    CONSOLIDATED STATEMENTS OF INCOME
    (Unaudited)
                   
        For the Three Months Ended  
        June 30,   March 31,   June 30,  
          2025     2025     2024  
                   
    INTEREST INCOME              
    Loans, including fees   $ 19,611,698   $ 18,315,006   $ 15,763,452  
    Investment securities     1,431,773     1,258,571     1,083,415  
    Federal funds sold and other     175,917     232,978     162,250  
    Total interest income     21,219,388     19,806,555     17,009,117  
                   
    INTEREST EXPENSE              
    Deposits     8,538,199     8,312,455     7,106,512  
    Federal Home Loan Bank advances     296,860     393,057     448,263  
    Notes payable     477,735     475,425     398,017  
    Federal funds purchased and other     7,113     13,022     21,787  
    Total interest expense     9,319,907     9,193,959     7,974,579  
    NET INTEREST INCOME     11,899,481     10,612,596     9,034,538  
    Provision for credit losses     800,000     670,000     432,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES     11,099,481     9,942,596     8,602,538  
                   
    NON-INTEREST INCOME              
    Service charges and fees on deposits     162,185     171,186     154,816  
    Wealth management fee income     994,100     1,017,829     1,065,553  
    Secondary market fee income     223,956     128,824     113,926  
    Bank owned-life insurance income     82,190     80,603     80,478  
    Gain on sales and write-downs of foreclosed assets     15,475     –     326  
    Other     616,667     544,141     527,064  
    TOTAL NON-INTEREST INCOME     2,094,573     1,942,583     1,942,163  
                   
    NON-INTEREST EXPENSE              
    Salaries and benefits     5,185,716     4,931,692     4,784,556  
    Occupancy and equipment     1,189,886     1,145,101     936,818  
    Data processing     857,198     858,115     704,080  
    Marketing and business development     609,549     397,137     473,618  
    Professional services     699,968     650,708     617,890  
    Amortization of other intangible assets     53,037     53,036     53,037  
    Other     326,224     393,498     494,203  
    TOTAL NON-INTEREST EXPENSE     8,921,578     8,429,287     8,064,202  
                   
    Income before income taxes     4,272,476     3,455,892     2,480,499  
    Income tax provision     974,775     826,085     631,462  
    NET INCOME   $ 3,297,701   $ 2,629,807   $ 1,849,037  
                   
    EARNINGS PER SHARE              
    Basic (1)   $ 1.35   $ 1.07   $ 0.81  
    Diluted (1)   $ 1.34   $ 1.07   $ 0.81  
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
           
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED STATEMENTS OF INCOME  
    (Unaudited)  
                 
          Six Months Ended  
          June 30,  
          2025   2024  
                 
    INTEREST INCOME            
    Loans, including fees     $ 37,926,704   $ 30,758,374  
    Investment securities       2,690,344     2,012,455  
    Federal funds sold and other       408,895     258,404  
    Total Interest Income       41,025,943     33,029,233  
                 
    INTEREST EXPENSE            
    Deposits       16,850,654     14,091,305  
    Federal Home Loan Bank advances       689,917     968,582  
    Notes payable       953,160     796,034  
    Federal funds purchased and other       20,135     100,047  
    Total interest expense       18,513,866     15,955,968  
    NET INTEREST INCOME       22,512,077     17,073,265  
    Provision for credit losses       1,470,000     1,080,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES       21,042,077     15,993,265  
                 
    NON-INTEREST INCOME            
    Service charges and fees on deposits       333,371     305,165  
    Wealth management fee income       2,011,929     1,911,059  
    Secondary market fee income       352,780     170,990  
    Bank owned life insurance income       162,793     160,359  
    Gain on sales and write-downs of foreclosed assets       15,475     1,376  
    Other       1,160,808     976,319  
    TOTAL NON-INTEREST INCOME       4,037,156     3,525,268  
                 
    NON-INTEREST EXPENSE            
    Salaries and benefits       10,117,408     9,784,089  
    Occupancy and equipment       2,334,987     1,864,942  
    Data processing       1,715,313     1,494,649  
    Marketing and business development       1,006,686     937,315  
    Professional services       1,350,676     1,287,757  
    Amortization of intangible asset       106,073     106,073  
    Other       719,722     898,039  
    TOTAL NON-INTEREST EXPENSE       17,350,865     16,372,864  
                 
    Income before income taxes       7,728,368     3,145,669  
    Income tax provision       1,800,860     787,404  
    NET INCOME     $ 5,927,508   $ 2,358,265  
                 
    EARNINGS PER SHARE            
    Basic (1)     $ 2.42   $ 1.11  
    Diluted (1)     $ 2.42   $ 1.11  
                 
      (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                 
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED BALANCE SHEETS  
    (Unaudited)  
                   
        June 30, 2025   March 31, 2025   June 30, 2024  
                   
    ASSETS                      
    Cash and cash equivalents   $ 25,604,276     $ 48,360,156     $ 49,495,763    
    Investment securities     140,544,711       134,968,153       115,526,915    
    Loans held for sale     2,442,642       874,009       997,907    
    Loans     1,208,102,220       1,141,369,199       994,754,063    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,130 )  
    Net loans     1,194,068,480       1,128,021,344       982,319,933    
    Premises and equipment, net     37,411,490       35,647,835       30,442,837    
    Foreclosed assets held for sale     –       310,406       777,606    
    Accrued interest receivable     7,024,823       6,629,881       5,433,391    
    Bank owned life insurance     9,942,100       9,859,911       9,614,851    
    Deferred income taxes     4,522,795       4,220,559       4,788,942    
    Other investments     7,925,019       6,782,614       8,094,125    
    Intangible assets, net     1,697,167       1,750,204       1,909,313    
    Other assets     2,783,012       1,825,830       1,733,790    
    TOTAL ASSETS   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    LIABILITIES & STOCKHOLDERS’ EQUITY                      
    Deposits:              
    Demand and non-interest-bearing   $ 233,078,431     $ 231,331,391     $ 233,230,007    
    Savings and interest-bearing transaction accounts     479,532,136       456,733,576       348,391,562    
    Time deposits     536,591,123       512,882,444       432,248,979    
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Federal Home Loan Bank advances     21,518,084       21,593,143       54,314,495    
    Notes payable     26,159,110       26,141,832       26,090,002    
    Operating lease liability     21,918,414       20,029,714       15,930,503    
    Reserve for losses on unfunded commitments     1,603,000       1,478,000       1,433,000    
    Accrued interest payable     2,636,403       2,731,699       2,714,687    
    Other liabilities     8,433,777       5,798,159       4,745,292    
    TOTAL LIABILITIES     1,331,470,478       1,278,719,958       1,119,098,527    
                   
    Stockholders’ equity:              
    Common stock (1)     24,876       24,882       24,698    
    Surplus (1)     102,893,483       102,784,831       102,457,705    
    Retained earnings (accumulated deficit)     6,787,654       4,714,375       (2,484,500 )  
    Treasury stock, at cost     (1,284,359 )     (1,265,731 )     (1,132,905 )  
    Accumulated other comprehensive loss     (5,925,617 )     (5,727,413 )     (6,828,152 )  
    TOTAL STOCKHOLDERS’ EQUITY     102,496,037       100,530,944       92,036,846    
                   
    TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY
    SUPPLEMENTAL INFORMATION
                   
        (Unaudited)  
        Three Months Ended  
        June 30,   March 31,   June 30,  
                   
    FOR THE PERIOD              
    Net income   $ 3,297,701     $ 2,629,807     $ 1,849,037    
    Net income before taxes     4,272,476       3,455,892       2,480,499    
    Dividends declared per share (1)     0.50       –       0.50    
                   
                   
    PERIOD END BALANCE              
    Total assets   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
    Total investments     140,544,711       134,968,153       115,526,915    
    Total loans, net     1,194,068,480       1,128,021,344       982,319,933    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,131 )  
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Stockholders’ equity     102,496,037       100,530,944       92,036,846    
                   
                   
    RATIO ANALYSIS              
    Return on average assets (annualized)     0.94 %     0.79 %     0.63 %  
    Return on average equity (annualized)     12.62 %     10.64 %     8.26 %  
    Net loans/Deposits     95.59 %     93.93 %     96.89 %  
    Total Stockholders’ Equity/Total assets     7.15 %     7.29 %     7.60 %  
    Net loan losses/Total loans     -0.00 %     0.01 %     0.01 %  
    Uninsured & unpledged deposits     32.37 %     31.00 %     31.21 %  
                   
                   
    PER SHARE DATA              
    Shares outstanding (1)     2,448,246       2,449,317       2,435,700    
    Weighted average shares outstanding (1)     2,448,734       2,446,747       2,291,316    
    Diluted weighted average shares outstanding (1)     2,454,485       2,451,161       2,291,316    
    Basic earnings (1)   $ 1.35     $ 1.07     $ 0.81    
    Diluted earnings (1)     1.34       1.07       0.81    
    Book value (1)     41.87       41.04       37.79    
    Tangible book value (1)     41.17       40.33       37.00    
                   
                   
    ASSET QUALITY              
    Net (recoveries) charge-offs   $ (10,889 )   $ 136,970     $ 110,968    
    Classified assets     402,406       853,745       1,090,758    
    Nonperforming loans     364,853       419,985       32,054    
    Nonperforming assets     364,853       730,391       809,660    
    Total nonperforming loans/Total loans     0.03 %     0.04 %     0.00 %  
    Total nonperforming loans/Total assets     0.03 %     0.03 %     0.00 %  
    Total nonperforming assets/Total assets     0.03 %     0.05 %     0.07 %  
    Allowance for credit losses/Total loans     1.16 %     1.17 %     1.25 %  
                   
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                                           
        Three Months Ended  
        June 30,   March 31,   June 30,  
          2025       2025       2024    
        Average       Average   Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                                           
    Interest-earning assets:                                      
    Federal funds sold and other   $ 15,102,485   $ 175,917   4.67 %   $ 23,287,989   $ 232,978   4.06 %   $ 11,798,448   $ 162,250   5.53 %  
    Investment securities available-for-sale (1)     138,229,178     1,289,470   3.74 %     133,405,472     1,208,821   3.67 %     114,427,481     941,900   3.31 %  
    Loans receivable     1,169,591,045     19,611,698   6.73 %     1,106,648,533     18,315,006   6.71 %     973,396,880     15,763,452   6.51 %  
    Total interest-earning assets     1,322,922,708   $ 21,077,085   6.39 %     1,263,341,994   $ 19,756,805   6.34 %     1,099,622,809   $ 16,867,602   6.17 %  
    Noninterest-earning assets     81,927,528             81,821,189             74,503,352          
    Total assets   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Interest-bearing liabilities:                                      
    Interest-bearing deposits   $ 985,435,006   $ 8,538,199   3.48 %   $ 937,669,969   $ 8,312,455   3.60 %   $ 770,303,642   $ 7,106,512   3.71 %  
    FHLB advances and federal funds purchased     26,552,308     303,973   4.59 %     36,654,930     406,079   4.49 %     40,440,625     470,050   4.67 %  
    Notes payable     26,150,819     477,735   7.33 %     26,131,761     475,425   7.38 %     25,506,601     398,017   6.28 %  
    Total interest-bearing liabilities     1,038,138,133   $ 9,319,907   3.60 %     1,000,456,660   $ 9,193,959   3.73 %     836,250,868   $ 7,974,579   3.84 %  
    Noninterest-bearing liabilities     261,876,451             244,466,979             247,820,333          
    Total liabilities     1,300,014,584             1,244,923,639             1,084,071,201          
    Stockholders’ equity     104,835,652             100,239,544             90,054,960          
    Total liabilities and stockholders’ equity   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Net interest-earning assets   $ 284,784,575           $ 262,885,334           $ 263,371,941          
    Net interest spread       $ 11,757,178   2.79 %       $ 10,562,846   2.61 %       $ 8,893,023   2.33 %  
    Net interest margin           3.56 %           3.39 %           3.25 %  
                                           
    (1 ) Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).      
                                           
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                               
        Six Months Ended June 30,  
          2025       2024    
        Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                               
    Interest-earning assets:                          
    Federal funds sold and other   $ 19,172,625   $ 408,895   4.30 %   $ 10,071,062   $ 258,404   5.16 %  
    Investment securities available-for-sale (1)     135,830,651     2,498,291   3.71 %     114,434,010     1,842,786   3.24 %  
    Loans receivable     1,138,293,665     37,926,704   6.72 %     967,102,566     30,758,374   6.40 %  
    Total interest-earning assets     1,293,296,941   $ 40,833,890   6.37 %     1,091,607,638   $ 32,859,564   6.05 %  
    Noninterest-earning assets     81,874,656             72,612,145          
    Total assets   $ 1,375,171,597           $ 1,164,219,783          
    Interest-bearing liabilities:                          
    Interest-bearing deposits   $ 961,684,434   $ 16,850,654   3.53 %   $ 766,601,621   $ 14,091,305   3.70 %  
    FHLB advances and federal funds purchased     31,575,711     710,052   4.53 %     45,594,923     1,068,629   4.71 %  
    Notes payable     26,141,343     953,160   7.35 %     25,500,463     796,034   6.28 %  
    Total interest-bearing liabilities     1,019,401,488   $ 18,513,866   3.66 %     837,697,007   $ 15,955,968   3.83 %  
    Noninterest-bearing liabilities     253,207,317             240,831,655          
    Total liabilities     1,272,608,805             1,078,528,662          
    Stockholders’ equity     102,562,792             85,691,121          
    Total liabilities and stockholders’ equity   $ 1,375,171,597           $ 1,164,219,783          
    Net interest-earning assets   $ 273,895,453           $ 253,910,631          
    Net interest spread       $ 22,320,024   2.70 %       $ 16,903,596   2.22 %  
    Net interest margin           3.48 %           3.11 %  
                               
    (1 )   Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).
                               

    The MIL Network –

    July 16, 2025

  • MIL-OSI: White River Bancshares Co. Reports Net Income of $3.30 million, or $1.34 Per Diluted Share, in 2Q25; Results Driven by Loan Growth and Net Interest Margin Expansion

    Source: GlobeNewswire (MIL-OSI)

    FAYETTEVILLE, Ark., July 15, 2025 (GLOBE NEWSWIRE) — White River Bancshares Company (OTCQX: WRIV) (the “Company”), the holding company for Signature Bank of Arkansas (the “Bank”), today reported net income increased to $3.30 million, or $1.34 per diluted share, in the second quarter of 2025, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024. The Company reported net income of $2.63 million, or $1.07 per diluted share, for the prior quarter. In the first six months of 2025, net income increased to $5.93 million, or $2.42 per diluted share, compared to $2.36 million, or $1.11 per diluted share, in the first six months of 2024. All financial results are unaudited and all per share data has been adjusted to reflect the two-for-one stock split effected September 4, 2024.

    “We had a strong second quarter—the most profitable quarter we’ve ever had,” said Gary Head, Chairman and CEO. “We have been blessed to have incredible loan growth throughout the history of our company, and we build on that momentum quarter after quarter. Our Signature Bank family is the best group of bankers I’ve been associated with in my 43-year banking career. Their teamwork and commitment to excellence consistently go above and beyond expectations.”

    “As a community bank, expanding our deposit base to support new loan growth is critical,” said Scott Sandlin, Chief Strategy Officer. “Our Bank has made deposit gathering a primary focus, and our team has done an outstanding job—deepening relationships with existing clients while also bringing in new customers. As a result, total deposits increased 4.0% during the second quarter of 2025 and 23.2% year-over-year. At quarter end, demand and non-interest bearing accounts represented 18.7% of total deposits, and savings and interest-bearing transaction accounts represented 38.4% of total deposits. We will continue to actively seek more opportunities to grow deposits in the coming quarters to meet the increasing demand for loans.”

    Second Quarter 2025 Financial Highlights:

    • Net income for the second quarter of 2025 increased to $3.30 million, or $1.34 per diluted share, compared to $1.85 million, or $0.81 per diluted share, in the second quarter of 2024.
    • Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024.
    • Net interest margin (“NIM”) increased 31 basis points to 3.56% in the second quarter of 2025, compared to 3.25% in the second quarter of 2024.
    • The Company recorded an $800,000 provision for credit losses in the second quarter of 2025, compared to a $432,000 provision for credit losses in the second quarter of 2024.
    • Net loans increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024.
    • Nonperforming loans represented 0.03% of total loans at June 30, 2025, compared to 0.00% a year ago.
    • Total deposits increased $235.3 million, or 23.2%, year-over-year, to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024.
    • Core deposits (demand and non-interest-bearing, savings and interest-bearing transaction accounts, CDs under $250,000 and CDARs reciprocal deposits) represented 70.10% of total deposits at June 30, 2025.
    • Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 a year ago.

    Income Statement

    In the second quarter of 2025, the Company generated a return on average assets of 0.94% and a return on average equity of 12.62%, compared to 0.79% and 10.64%, respectively, in the first quarter of 2025 and 0.63% and 8.26%, respectively, in the second quarter of 2024.

    “Our second quarter net interest margin expanded by 17 basis points from the previous quarter and 31 basis points year-over-year, driven by loan growth and increased yields on our interest-earning assets,” said Brant Ward, President. NIM was 3.56% in the second quarter of 2025, compared to 3.39% in the first quarter of 2025, and 3.25% in the second quarter of 2024. In the first six months of 2025, NIM expanded 37 basis points to 3.48%, compared to 3.11% in the first six months of 2024.

    Net interest income increased 31.7% to $11.9 million in the second quarter of 2025, compared to $9.0 million in the second quarter of 2024. The increase was primarily due to year-over-year loan growth. Total interest income increased 24.8% to $21.2 million in the second quarter of 2025, compared to $17.0 million in the second quarter of 2024, primarily attributable to the increase in loans. Total interest expense increased to $9.3 million in the second quarter of 2025, from $8.0 million in the second quarter of 2024, primarily due to an increase in deposit costs. In the first six months of 2025, net interest income increased 31.9% to $22.5 million, compared to $17.1 million in the first six months of 2024.

    Noninterest income increased 7.9% to $2.1 million in the second quarter of 2025, compared to $1.9 million in the second quarter of 2024. The increase was primarily due to an increase in secondary market fee income, which more than offset the decrease in wealth management fee income during the second quarter of 2025. In the first six months of 2025, noninterest income increased 14.5% to $4.0 million, compared to $3.5 million in the first six months of 2024.

    Noninterest expense was $8.9 million in the second quarter of 2025, compared to $8.1 million in the second quarter of 2024, as expenses have normalized following the investment in expanding the Company’s market presence over the past few years. In the first six months of the year, noninterest expense increased 6.0% to $17.4 million, compared to $16.4 million in the first six months of 2024.

    Balance Sheet

    Total assets increased 18.4% to $1.434 billion at June 30, 2025, from $1.211 billion at June 30, 2024, and increased 4.0% compared to $1.379 billion at March 31, 2025. Cash and cash equivalents totaled $25.6 million at June 30, 2025, compared to $49.5 million a year ago. Investment securities totaled $140.5 million at June 30, 2025, an increase from $115.5 million at June 30, 2024.

    Loans, net of allowance for credit losses, increased 21.6% to $1.194 billion at June 30, 2025, compared to $982.3 million at June 30, 2024, and increased 5.9% compared to $1.128 billion at March 31, 2025.

    Total deposits increased 23.2% to $1.249 billion at June 30, 2025, compared to $1.014 billion at June 30, 2024, and increased 4.0% compared to $1.201 billion at March 31, 2025. Demand and non-interest-bearing deposits decreased less than 1% compared to June 30, 2024, while savings and interest-bearing transaction accounts increased 37.6% compared to June 30, 2024.

    FHLB advances were $21.5 million at June 30, 2025, compared to $54.3 million at June 30, 2024, and $21.6 million at March 31, 2025. Total stockholders’ equity increased to $102.5 million at June 30, 2025, compared to $92.0 million at June 30, 2024, and $100.5 million at March 31, 2025. Tangible book value per common share was $41.17 at June 30, 2025, compared to $37.00 at June 30, 2024, and $40.33 at March 31, 2025.

    Credit Quality

    Due to strong quarterly loan growth, the Company recorded an $800,000 provision for credit losses in the second quarter of 2025. This is compared to a $670,000 provision for credit losses in the first quarter of 2025, and a $432,000 provision for credit losses in the second quarter of 2024.

    There were $365,000 in nonperforming loans at June 30, 2025. This compared to $420,000 in nonperforming loans at March 31, 2025, and $32,000 in nonperforming loans at June 30, 2024. Nonperforming loans represented 0.03% of total loans on June 30, 2025, 0.04% of total loans on March 31, 2025, and 0.00% of total loans a year ago.

    “We remain conservative in building our credit loss reserves, continually reviewing our loan mix, assessing growth trends, and factoring in both regional and national economic conditions to ensure our allowance remains appropriately calibrated,” said Jeff Maland, Chief Risk Officer. The allowance for credit losses was $14.0 million, or 1.16% of total loans, at June 30, 2025, compared to $13.3 million, or 1.17% of total loans, at March 31, 2025, and $12.4 million, or 1.25% of total loans, at June 30, 2024.

    Net loan recoveries were $11,000 in the second quarter of 2025. This compared to net loan charge-offs of $137,000 in the first quarter of 2025, and net loan charge-offs of $111,000 in the second quarter of 2024.

    Capital

    The Bank’s capital ratios continued to exceed regulatory “well-capitalized” requirements, with a Total risk-based capital ratio estimate of 11.69%, a Tier 1 ratio of 10.44%, and a Leverage ratio of 9.12% for the Bank at June 30, 2025.

    About White River Bancshares Company

    White River Bancshares Company is the single bank holding company for Signature Bank of Arkansas, headquartered in Fayetteville, Arkansas. The Bank has locations in Fayetteville, Springdale, Bentonville, Rogers, Brinkley, Harrison and Jonesboro, Arkansas. Founded in 2005, Signature Bank of Arkansas provides a full line of financial services to small businesses, families and farms. White River Bancshares Company (OTCQX: WRIV), trades on the OTCQX® Best Market.  

    In the second quarter of 2025, the Signature Bank celebrated its 20-year anniversary of service to its Arkansas communities. In tandem with the celebration, the organization updated its mission statement:
    We are committed to being a trusted local bank for business owners, individuals, and families who seek personalized service from people they know. Our mission is to empower our customers to strengthen their connections through every interaction, ensuring that their dollars are reinvested locally to support the growth and prosperity of the community we share. We have a passion for preserving the traditions of community banking as we embrace the power of technology.

    About the Region

    White River Bancshares Company is headquartered in thriving Northwest Arkansas in the Fayetteville-Springdale-Rogers MSA. The region is home to the corporate headquarters for Walmart Stores Inc, Sam’s Club, Tyson Foods, Simmons Foods, and J.B. Hunt Transport. Hundreds of other market-leading companies including Procter & Gamble, Johnson & Johnson, Coca-Cola and Rubbermaid maintain offices in the region in order to maintain their relationships with the locally based Fortune 500 companies. Northwest Arkansas is also home to the state’s flagship public educational institution, The University of Arkansas, and its Sam M. Walton College of Business. The region has seen significant growth in its medical and arts infrastructures with the continued expansion of Washington Regional Medical System, Northwest Medical System, Mercy Health System of Northwest Arkansas and Arkansas Children’s Hospital Northwest. Crystal Bridges Museum of American Art and the Walton Arts Center have led the expansion of the arts. Northwest Arkansas has been repeatedly recognized in recent years as one of the best places to live in the country and remains one of the nation’s fastest-growing regions. In May 2024, Walmart issued a relocation mandate requiring most of its remote employees, as well as most of its office workers in Dallas, Atlanta and Toronto to move to, in most cases, Bentonville by November 1, 2024. While the company did not disclose a number, Bloomberg reported that the number of Walmart employees who would be moving to Bentonville would be in the thousands. Walmart is making a major investment in its hometown facilities, building a new, 350-acre headquarters campus, including walking and biking trails, a hotel, fitness facilities and a large childcare center.

    The Company has expanded eastward, with new markets in Jonesboro and Harrison. Jonesboro, located in Craighead County, is a city located on Crowley’s Ridge in the northeastern corner of Arkansas. It is the home of Arkansas State University and the cultural and economic center of Northeast Arkansas. Jonesboro also houses the region’s hospital network. U.S. Steel Corp. announced that it would locate a new $3 billion steel factory in Northeast Arkansas in Osceola, a move expected to create 900 jobs with an average pay over $100,000 annually, making it the largest capital investment project in Arkansas history. Harrison sits below Branson, Missouri, which is a family tourist destination and outdoor recreation, and is well known as an entertainment destination.

    The Company currently operates out of ten locations; three in Washington County; three in Benton County; two in Monroe County; one in Boone County; and one in Craighead County.

    The housing market in Washington and Benton counties remains robust. According to the Northwest Arkansas Board of Realtors, the average home in Washington County sold for $429,000 in May 2025, with an average of 97 days on the market. For Benton County, the average house sold for $461,000, with an average of 92 days on the market.

    Source:
    http://www.nwarealtors.org/market-statistics/

    Forward Looking Statements

    This press release contains statements about future events. These forward-looking statements, which are based on certain assumptions of management of the Company and the Bank and describe our future plans, strategies and expectations, can generally be identified by use of forward-looking terminology such as “may,” “will,” “believe,” “plan,” “expect,” “intend,” “anticipate,” “estimate,” “project,” or similar expressions or the negative of those terms. Our ability to predict results of future events and the actual effect of future plans or strategies are inherently uncertain, and actual results may differ materially from those predicted in such forward-looking statements. Factors that could have a material adverse effect on our operations and future prospects or that could affect the outcome of such forward-looking statements include, but are not limited to, changes in interest rates; the economic health of the local real estate market; general economic conditions; credit deterioration in our loan portfolio that would cause us to increase our allowance for loan losses; legislative or regulatory changes; technological developments; monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury and the Federal Reserve Board; the quality or composition of our loan and securities portfolios; demand for loan products in our market areas; deposit flows and costs of capital; competition; retention and recruitment of qualified personnel; demand for financial services in our market areas; and changes in accounting principles, policies, and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. The Company does not undertake and specifically declines any obligation to publicly release the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

    Contact: Scott Sandlin, Chief Strategy Officer
      479-684-3754
       
    WHITE RIVER BANCSHARES COMPANY
    CONSOLIDATED STATEMENTS OF INCOME
    (Unaudited)
                   
        For the Three Months Ended  
        June 30,   March 31,   June 30,  
          2025     2025     2024  
                   
    INTEREST INCOME              
    Loans, including fees   $ 19,611,698   $ 18,315,006   $ 15,763,452  
    Investment securities     1,431,773     1,258,571     1,083,415  
    Federal funds sold and other     175,917     232,978     162,250  
    Total interest income     21,219,388     19,806,555     17,009,117  
                   
    INTEREST EXPENSE              
    Deposits     8,538,199     8,312,455     7,106,512  
    Federal Home Loan Bank advances     296,860     393,057     448,263  
    Notes payable     477,735     475,425     398,017  
    Federal funds purchased and other     7,113     13,022     21,787  
    Total interest expense     9,319,907     9,193,959     7,974,579  
    NET INTEREST INCOME     11,899,481     10,612,596     9,034,538  
    Provision for credit losses     800,000     670,000     432,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES     11,099,481     9,942,596     8,602,538  
                   
    NON-INTEREST INCOME              
    Service charges and fees on deposits     162,185     171,186     154,816  
    Wealth management fee income     994,100     1,017,829     1,065,553  
    Secondary market fee income     223,956     128,824     113,926  
    Bank owned-life insurance income     82,190     80,603     80,478  
    Gain on sales and write-downs of foreclosed assets     15,475     –     326  
    Other     616,667     544,141     527,064  
    TOTAL NON-INTEREST INCOME     2,094,573     1,942,583     1,942,163  
                   
    NON-INTEREST EXPENSE              
    Salaries and benefits     5,185,716     4,931,692     4,784,556  
    Occupancy and equipment     1,189,886     1,145,101     936,818  
    Data processing     857,198     858,115     704,080  
    Marketing and business development     609,549     397,137     473,618  
    Professional services     699,968     650,708     617,890  
    Amortization of other intangible assets     53,037     53,036     53,037  
    Other     326,224     393,498     494,203  
    TOTAL NON-INTEREST EXPENSE     8,921,578     8,429,287     8,064,202  
                   
    Income before income taxes     4,272,476     3,455,892     2,480,499  
    Income tax provision     974,775     826,085     631,462  
    NET INCOME   $ 3,297,701   $ 2,629,807   $ 1,849,037  
                   
    EARNINGS PER SHARE              
    Basic (1)   $ 1.35   $ 1.07   $ 0.81  
    Diluted (1)   $ 1.34   $ 1.07   $ 0.81  
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
           
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED STATEMENTS OF INCOME  
    (Unaudited)  
                 
          Six Months Ended  
          June 30,  
          2025   2024  
                 
    INTEREST INCOME            
    Loans, including fees     $ 37,926,704   $ 30,758,374  
    Investment securities       2,690,344     2,012,455  
    Federal funds sold and other       408,895     258,404  
    Total Interest Income       41,025,943     33,029,233  
                 
    INTEREST EXPENSE            
    Deposits       16,850,654     14,091,305  
    Federal Home Loan Bank advances       689,917     968,582  
    Notes payable       953,160     796,034  
    Federal funds purchased and other       20,135     100,047  
    Total interest expense       18,513,866     15,955,968  
    NET INTEREST INCOME       22,512,077     17,073,265  
    Provision for credit losses       1,470,000     1,080,000  
    NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES       21,042,077     15,993,265  
                 
    NON-INTEREST INCOME            
    Service charges and fees on deposits       333,371     305,165  
    Wealth management fee income       2,011,929     1,911,059  
    Secondary market fee income       352,780     170,990  
    Bank owned life insurance income       162,793     160,359  
    Gain on sales and write-downs of foreclosed assets       15,475     1,376  
    Other       1,160,808     976,319  
    TOTAL NON-INTEREST INCOME       4,037,156     3,525,268  
                 
    NON-INTEREST EXPENSE            
    Salaries and benefits       10,117,408     9,784,089  
    Occupancy and equipment       2,334,987     1,864,942  
    Data processing       1,715,313     1,494,649  
    Marketing and business development       1,006,686     937,315  
    Professional services       1,350,676     1,287,757  
    Amortization of intangible asset       106,073     106,073  
    Other       719,722     898,039  
    TOTAL NON-INTEREST EXPENSE       17,350,865     16,372,864  
                 
    Income before income taxes       7,728,368     3,145,669  
    Income tax provision       1,800,860     787,404  
    NET INCOME     $ 5,927,508   $ 2,358,265  
                 
    EARNINGS PER SHARE            
    Basic (1)     $ 2.42   $ 1.11  
    Diluted (1)     $ 2.42   $ 1.11  
                 
      (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                 
    WHITE RIVER BANCSHARES COMPANY  
    CONSOLIDATED BALANCE SHEETS  
    (Unaudited)  
                   
        June 30, 2025   March 31, 2025   June 30, 2024  
                   
    ASSETS                      
    Cash and cash equivalents   $ 25,604,276     $ 48,360,156     $ 49,495,763    
    Investment securities     140,544,711       134,968,153       115,526,915    
    Loans held for sale     2,442,642       874,009       997,907    
    Loans     1,208,102,220       1,141,369,199       994,754,063    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,130 )  
    Net loans     1,194,068,480       1,128,021,344       982,319,933    
    Premises and equipment, net     37,411,490       35,647,835       30,442,837    
    Foreclosed assets held for sale     –       310,406       777,606    
    Accrued interest receivable     7,024,823       6,629,881       5,433,391    
    Bank owned life insurance     9,942,100       9,859,911       9,614,851    
    Deferred income taxes     4,522,795       4,220,559       4,788,942    
    Other investments     7,925,019       6,782,614       8,094,125    
    Intangible assets, net     1,697,167       1,750,204       1,909,313    
    Other assets     2,783,012       1,825,830       1,733,790    
    TOTAL ASSETS   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    LIABILITIES & STOCKHOLDERS’ EQUITY                      
    Deposits:              
    Demand and non-interest-bearing   $ 233,078,431     $ 231,331,391     $ 233,230,007    
    Savings and interest-bearing transaction accounts     479,532,136       456,733,576       348,391,562    
    Time deposits     536,591,123       512,882,444       432,248,979    
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Federal Home Loan Bank advances     21,518,084       21,593,143       54,314,495    
    Notes payable     26,159,110       26,141,832       26,090,002    
    Operating lease liability     21,918,414       20,029,714       15,930,503    
    Reserve for losses on unfunded commitments     1,603,000       1,478,000       1,433,000    
    Accrued interest payable     2,636,403       2,731,699       2,714,687    
    Other liabilities     8,433,777       5,798,159       4,745,292    
    TOTAL LIABILITIES     1,331,470,478       1,278,719,958       1,119,098,527    
                   
    Stockholders’ equity:              
    Common stock (1)     24,876       24,882       24,698    
    Surplus (1)     102,893,483       102,784,831       102,457,705    
    Retained earnings (accumulated deficit)     6,787,654       4,714,375       (2,484,500 )  
    Treasury stock, at cost     (1,284,359 )     (1,265,731 )     (1,132,905 )  
    Accumulated other comprehensive loss     (5,925,617 )     (5,727,413 )     (6,828,152 )  
    TOTAL STOCKHOLDERS’ EQUITY     102,496,037       100,530,944       92,036,846    
                   
    TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY
    SUPPLEMENTAL INFORMATION
                   
        (Unaudited)  
        Three Months Ended  
        June 30,   March 31,   June 30,  
                   
    FOR THE PERIOD              
    Net income   $ 3,297,701     $ 2,629,807     $ 1,849,037    
    Net income before taxes     4,272,476       3,455,892       2,480,499    
    Dividends declared per share (1)     0.50       –       0.50    
                   
                   
    PERIOD END BALANCE              
    Total assets   $ 1,433,966,515     $ 1,379,250,902     $ 1,211,135,373    
    Total investments     140,544,711       134,968,153       115,526,915    
    Total loans, net     1,194,068,480       1,128,021,344       982,319,933    
    Allowance for credit losses     (14,033,740 )     (13,347,855 )     (12,434,131 )  
    Total deposits     1,249,201,690       1,200,947,411       1,013,870,548    
    Stockholders’ equity     102,496,037       100,530,944       92,036,846    
                   
                   
    RATIO ANALYSIS              
    Return on average assets (annualized)     0.94 %     0.79 %     0.63 %  
    Return on average equity (annualized)     12.62 %     10.64 %     8.26 %  
    Net loans/Deposits     95.59 %     93.93 %     96.89 %  
    Total Stockholders’ Equity/Total assets     7.15 %     7.29 %     7.60 %  
    Net loan losses/Total loans     -0.00 %     0.01 %     0.01 %  
    Uninsured & unpledged deposits     32.37 %     31.00 %     31.21 %  
                   
                   
    PER SHARE DATA              
    Shares outstanding (1)     2,448,246       2,449,317       2,435,700    
    Weighted average shares outstanding (1)     2,448,734       2,446,747       2,291,316    
    Diluted weighted average shares outstanding (1)     2,454,485       2,451,161       2,291,316    
    Basic earnings (1)   $ 1.35     $ 1.07     $ 0.81    
    Diluted earnings (1)     1.34       1.07       0.81    
    Book value (1)     41.87       41.04       37.79    
    Tangible book value (1)     41.17       40.33       37.00    
                   
                   
    ASSET QUALITY              
    Net (recoveries) charge-offs   $ (10,889 )   $ 136,970     $ 110,968    
    Classified assets     402,406       853,745       1,090,758    
    Nonperforming loans     364,853       419,985       32,054    
    Nonperforming assets     364,853       730,391       809,660    
    Total nonperforming loans/Total loans     0.03 %     0.04 %     0.00 %  
    Total nonperforming loans/Total assets     0.03 %     0.03 %     0.00 %  
    Total nonperforming assets/Total assets     0.03 %     0.05 %     0.07 %  
    Allowance for credit losses/Total loans     1.16 %     1.17 %     1.25 %  
                   
                   
    (1 ) Prior periods adjusted to give effect to stock split effected in the form of a dividend on September 4, 2024.  
                   
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                                           
        Three Months Ended  
        June 30,   March 31,   June 30,  
          2025       2025       2024    
        Average       Average   Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                                           
    Interest-earning assets:                                      
    Federal funds sold and other   $ 15,102,485   $ 175,917   4.67 %   $ 23,287,989   $ 232,978   4.06 %   $ 11,798,448   $ 162,250   5.53 %  
    Investment securities available-for-sale (1)     138,229,178     1,289,470   3.74 %     133,405,472     1,208,821   3.67 %     114,427,481     941,900   3.31 %  
    Loans receivable     1,169,591,045     19,611,698   6.73 %     1,106,648,533     18,315,006   6.71 %     973,396,880     15,763,452   6.51 %  
    Total interest-earning assets     1,322,922,708   $ 21,077,085   6.39 %     1,263,341,994   $ 19,756,805   6.34 %     1,099,622,809   $ 16,867,602   6.17 %  
    Noninterest-earning assets     81,927,528             81,821,189             74,503,352          
    Total assets   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Interest-bearing liabilities:                                      
    Interest-bearing deposits   $ 985,435,006   $ 8,538,199   3.48 %   $ 937,669,969   $ 8,312,455   3.60 %   $ 770,303,642   $ 7,106,512   3.71 %  
    FHLB advances and federal funds purchased     26,552,308     303,973   4.59 %     36,654,930     406,079   4.49 %     40,440,625     470,050   4.67 %  
    Notes payable     26,150,819     477,735   7.33 %     26,131,761     475,425   7.38 %     25,506,601     398,017   6.28 %  
    Total interest-bearing liabilities     1,038,138,133   $ 9,319,907   3.60 %     1,000,456,660   $ 9,193,959   3.73 %     836,250,868   $ 7,974,579   3.84 %  
    Noninterest-bearing liabilities     261,876,451             244,466,979             247,820,333          
    Total liabilities     1,300,014,584             1,244,923,639             1,084,071,201          
    Stockholders’ equity     104,835,652             100,239,544             90,054,960          
    Total liabilities and stockholders’ equity   $ 1,404,850,236           $ 1,345,163,183           $ 1,174,126,161          
    Net interest-earning assets   $ 284,784,575           $ 262,885,334           $ 263,371,941          
    Net interest spread       $ 11,757,178   2.79 %       $ 10,562,846   2.61 %       $ 8,893,023   2.33 %  
    Net interest margin           3.56 %           3.39 %           3.25 %  
                                           
    (1 ) Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).      
                                           
    WHITE RIVER BANCSHARES COMPANY  
    INTEREST INCOME AND EXPENSE  
    (Unaudited)  
                               
        Six Months Ended June 30,  
          2025       2024    
        Average       Average   Average       Average  
        Balance   Interest   Yield/Rate   Balance   Interest   Yield/Rate  
                               
    Interest-earning assets:                          
    Federal funds sold and other   $ 19,172,625   $ 408,895   4.30 %   $ 10,071,062   $ 258,404   5.16 %  
    Investment securities available-for-sale (1)     135,830,651     2,498,291   3.71 %     114,434,010     1,842,786   3.24 %  
    Loans receivable     1,138,293,665     37,926,704   6.72 %     967,102,566     30,758,374   6.40 %  
    Total interest-earning assets     1,293,296,941   $ 40,833,890   6.37 %     1,091,607,638   $ 32,859,564   6.05 %  
    Noninterest-earning assets     81,874,656             72,612,145          
    Total assets   $ 1,375,171,597           $ 1,164,219,783          
    Interest-bearing liabilities:                          
    Interest-bearing deposits   $ 961,684,434   $ 16,850,654   3.53 %   $ 766,601,621   $ 14,091,305   3.70 %  
    FHLB advances and federal funds purchased     31,575,711     710,052   4.53 %     45,594,923     1,068,629   4.71 %  
    Notes payable     26,141,343     953,160   7.35 %     25,500,463     796,034   6.28 %  
    Total interest-bearing liabilities     1,019,401,488   $ 18,513,866   3.66 %     837,697,007   $ 15,955,968   3.83 %  
    Noninterest-bearing liabilities     253,207,317             240,831,655          
    Total liabilities     1,272,608,805             1,078,528,662          
    Stockholders’ equity     102,562,792             85,691,121          
    Total liabilities and stockholders’ equity   $ 1,375,171,597           $ 1,164,219,783          
    Net interest-earning assets   $ 273,895,453           $ 253,910,631          
    Net interest spread       $ 22,320,024   2.70 %       $ 16,903,596   2.22 %  
    Net interest margin           3.48 %           3.11 %  
                               
    (1 )   Excludes investments in bank stock (Federal Reserve Bank, Federal Home Loan Bank, and First National Bankers Bankshares).
                               

    The MIL Network –

    July 16, 2025

  • MIL-OSI Africa: World Youth Skills Day: For Jenny Ambukiyenyi Onya, Artificial Intelligence (AI) is transforming African women livestock farmers’ herds into a source of finance

    Source: APO

    A dirt road in Kenya. Heavy heat shimmers over the surrounding savannah. A loan officer approaches a herd of cattle and pulls out a smartphone. Standing next to the owner, a woman with a proud yet cautious gaze, he photographs an animal. Hundreds of miles away, an artificial intelligence algorithm transforms that animal into a bankable asset.

    This scene illustrates the quiet revolution led by Jenny Ambukiyenyi Onya. A young Congolese engineer, she is tackling a paradox that traps millions of women living in rural areas in precarious conditions. The challenge is staggering. Sub-Saharan Africa has around 200 million smallholder farmers, a significant proportion of whom raise livestock. Women account for up to 60 percent of these farmers, representing an economic force of 80-120 million rural female livestock keepers.

    Yet, this force remains virtually invisible to the financial system. Studies conducted by the Food and Agriculture Organization of the United Nations (FAO) show that women receive only 10 percent of smallholder-targeted loans and barely 1 percent of all agricultural loans. The result? An estimated between 70-115 million women are effectively excluded from formal financing.

    Their livestock is their savings account. But without a reliable way to document their herds, how can they prove ownership of 10 cows? Traditional methods, such as ear tags, are fragile and easy to falsify, making verification by a banker nearly impossible and turning a woman’s most valuable asset into an invalid guarantee.

    “It was by combining these two realities – a need for reliability in the field and in-house technical expertise – that the idea emerged: why not apply AI to recognizing assets such as livestock?” explains Jenny.

    Her solution, Halisi Livestock, works like facial recognition for animals. “A loan officer can take a photo of a cow’s face using a simple smartphone,” she explains. “Using biometric recognition algorithms, our AI analyses each animal’s unique features and generates a digital identity that cannot be falsified.”

    This innovation is the key to unlocking financing. First, the digital identity provides farmers with a reliable, indisputable way to count and value their herds. Next, the digital inventory serves as irrefutable proof of ownership, transforming a moving asset into a verifiable guarantee. Finally, this collateral, which can be verified remotely, gives financial institutions the confidence to approve loans.

    “For a financial institution, it is no longer a rough estimate, but concrete and reliable data. We are no longer talking about an ‘informal’ profile, but a digital asset that is registered, verified, and integrated into a structured portfolio,” summarizes Jenny. Trust, built on data, finally opens the doors to credit.

    The transition from promising innovation to large-scale solution was achieved thanks to the “Enhancing Women Entrepreneurship for Africa” programme, supported by Affirmative Finance Action for Women in Africa (AFAWA) (https://apo-opa.co/4nKHta9), the African Development Bank’s initiative for financing women in Africa. “Joining the programme marked a turning point in our journey,” Jenny acknowledges. “The support provided allowed us to benefit from strategic guidance to strengthen our vision and above all, to refine our product in order to achieve a better fit between the product and the market.” Thanks to this support, the company she founded, Neotex.ai, has rolled out its services in new rural areas in Kenya, registering more than 1,250 head of livestock and proving the viability of its model.

    Beyond facilitating access to loans, Jenny Ambukiyenyi Onya’s vision is to redefine the role of rural economies in Africa. She believes technology makes the livestock sector “visible, measurable and able to be modelled” for investors and policymakers.

    Her message is twofold. She calls on financial institutions to invest “in high-potential local economies, often led by women.” To young African women dreaming of innovating, she offers her own journey as proof. “Dare to create. Even in sectors where you are not expected to. If I can build disruptive solutions from a cell phone and a herd of cows, you too can reinvent what no one has yet dared to imagine.”

    Distributed by APO Group on behalf of African Development Bank Group (AfDB).

    Editor’s note:
    15 July 2025 marks the 10th anniversary of the United Nations World Youth Skills Day. This year’s theme focuses on empowering young people through artificial intelligence and digital skills.

    About the African Development Bank Group: 
    The African Development Bank Group is Africa’s premier development finance institution. It comprises three distinct entities: the African Development Bank (AfDB), the African Development Fund (ADF) and the Nigeria Trust Fund (NTF). On the ground in 41 African countries with an external office in Japan, the Bank contributes to the economic development and the social progress of its 54 regional member states. For more information: www.AfDB.org

    Media files

    .

    MIL OSI Africa –

    July 16, 2025

  • MIL-OSI United Nations: Gaza: 875 people confirmed dead trying to source food in recent weeks

    Source: United Nations 4

    “As of 13 July, we have recorded 875 people killed in Gaza while trying to get food; 674 of them were killed in the vicinity of GHF sites,” said Thameen Al-Kheetan, OHCHR spokesperson, referencing the US-Israeli run private organization which has bypassed regular humanitarian operations.

    The remaining 201 victims were killed while seeking food “on the routes of aid convoys or near aid convoys” run by the UN or UN-partners still operating in the war-shattered enclave, Mr. Al-Kheetan told journalists in Geneva.

    Killings linked to the controversial US and Israeli-backed aid hubs began shortly after they started operating in southern Gaza on 27 May, bypassing the UN and other established NGOs.

    The latest deadly incident happened at around 9am on Monday 14 July, when reports indicated that the Israeli military shelled and fired towards Palestinians seeking food at the GHF site in As Shakoush area, northwestern Rafah.

    According to OHCHR, two Palestinians were killed and at least nine others were injured. Some of the casualties were transported to the International Committee of the Red Cross (ICRC) hospital in Rafah. On Saturday medics there received more than 130 patients, the “overwhelming majority” suffering from gunshot wounds and “all responsive individuals” reporting they were attempting to access food distribution sites.

    Deadly hunger

    The UN agency for Palestinian refugees, UNRWA, expressed deep concerns about the continuing killing of civilians trying to access food, while deadly malnutrition spreads among children.

    “Our teams on the ground – UNRWA teams and other United Nations teams – have spoken to survivors of these killings, these starving children included, who were shot at while on their way to pick up very little food,” said Juliette Touma, UNRWA Director of Communications.

    Speaking via video from Amman, Ms. Touma insisted that the near-total Israeli blockade of Gaza has led to babies dying of the effects of severe acute malnutrition.

    “We’ve been banned from bringing in any humanitarian assistance into Gaza for more than four months now,” she said, before pointing to a “significant increase” in child malnutrition since the Israeli blockade began on 2 March.

    Ms. Touma added: “We have 6,000 trucks waiting in places like Egypt, like Jordan; it’s from Jordan to the Gaza Strip it’s a three-hour drive, right?”

    In addition to food supplies, these UN trucks contain other vital if basic supplies including bars of soap. “Medicine and food are going to soon expire if we’re not able to get those supplies to people in Gaza who need it most, among them one million children who are half of the population of the Gaza Strip,” Ms. Touma continued.

    West Bank: ‘Silent war is surging’

    Meanwhile in the occupied West Bank including East Jerusalem, Palestinians continue to be killed in violence allegedly linked to Israeli settlers and security forces, UN agencies said.

    According to OHCHR, two-year-old Laila Khatib was shot in the head by Israeli security forces on 25 January while she was inside her house in Ash-Shuhada village, in Jenin.

    On 3 July, 61-year-old Walid Badir was shot and killed by Israeli security forces, reportedly while he was cycling back home from prayers, passing through the outskirts of the Nur Shams camp, the UN rights office continued, pointing to intensifying “killings, attacks and harassment of Palestinians in past weeks.

    “This includes the demolition of hundreds of homes and forced mass displacement of Palestinians,” OHCHR’s Mr. Al-Kheetan noted, with some 30,000 Palestinians forcibly displaced since the launch of Israel’s operation “Iron Wall” in the north of the occupied West Bank earlier this year.

    “We should recall that international law is very clear about this in terms of the obligations of the occupying power,” he said. “Bringing about a permanent demographic change inside the occupied territory may amount to a war crime and is tantamount to ethnic cleansing.”

    “We continue to have a silent war that is surging, where heavy restrictions on movement continue, where poverty is increasing as people are cut off from their livelihoods and unemployment soars,” said UNRWA’s Ms. Touma.

    With its current focus on the northern occupied West Bank, the Israeli military operation has impacted the refugee camps of Jenin, Tulkarem and Nur Shams.

    “It is causing the largest population displacement of the Palestinians in the West Bank since 1967,” Ms. Touma continued.

    MIL OSI United Nations News –

    July 16, 2025

  • MIL-OSI: Wedbush Securities Expands Global Market Access with 24-Hour Capital Markets Trading

    Source: GlobeNewswire (MIL-OSI)

    LOS ANGELES, July 15, 2025 (GLOBE NEWSWIRE) — Wedbush Securities, a leading financial services firm, has launched 24-hour trading capabilities, with clients already actively leveraging the service to access markets around the clock. Through strategic partnerships with Blue Ocean Technologies and OTC Markets Group, Wedbush delivers seamless market access across overnight, pre-market, core, and post-market sessions—particularly benefiting investors operating in Asia-Pacific time zones.

    Wedbush’s expanded after-hours trading melds in Blue Ocean ATS, MOON ATS, and OTC Overnight, which are three distinct alternative trading systems that enable overnight trading during Asia-Pacific hours. Blue Ocean ATS and MOON ATS support U.S.-listed securities, while OTC Overnight provides access to OTC equity trading during the same extended window. Together, these platforms provide clients with comprehensive market coverage from 8:00 PM to 4:00 AM Eastern Time, offering both high- and low-touch routing options and ensuring expert execution support throughout all market hours.

    “Our 24-hour trading capability marks a major step forward in providing clients with the market access they demand in today’s fast-paced global environment,” commented Burke Dempsey, EVP, Head of Investment Banking & Capital Markets at Wedbush. “By partnering with Blue Ocean and OTC Markets, we are already bridging the gap across time zones to offer continuous liquidity and execution support. This initiative reflects our focus on delivering flexible, client-driven solutions that empower investors around the clock.”

    Brian Hyndman, CEO of Blue Ocean Technologies, said, “We’re excited to partner with Wedbush to deliver our connectivity to after-hours markets. As the leading platform in overnight trading, with the deepest liquidity, trading volume, global access across 20+ countries, and a growing network of over 100 data subscribers, we’re confident this new capability will provide Wedbush clients with powerful tools to manage trading risk and unlock new opportunities beyond regular market hours.”

    “By integrating MOON ATS™ and OTC Overnight into its 24-hour trading offering, Wedbush is expanding global market access in a way that reflects its core mission: protecting client interests, driving innovation, and delivering with precision,” said Cromwell Coulson, CEO of OTC Markets Group. “At OTC Markets, we share this commitment to building secure market infrastructure that prioritizes financial safety and service excellence. Together, we’re enabling investors to trade with confidence in a market that now moves around-the-clock.”

    Wedbush supports execution and clearing in over 25 foreign markets, across a wide range of time zones linking with major alliance partners such as Maybank Investment Bank, Velocity Trade, Hana Securities, Trigon, Okasan Securities Group, and Yuanta Securities.

    Wedbush’s added 24/7 execution capabilities pair with its recent announcement of support for clearing equities traded on leading overnight ATSs, including Blue Ocean and MOON.

    About Wedbush Securities
    Wedbush Securities is the largest subsidiary of Wedbush Financial Services. Since its founding in 1955, Wedbush is widely known for providing our clients, both private and institutional, with a wide range of securities brokerage, clearing, wealth management, and investment banking services. Headquartered in Los Angeles, California with 100 registered offices and nearly 900 colleagues, the firm focuses on client service and financial safety, innovation, and the utilization of advanced technology. Securities and Investment Advisory services are offered through Wedbush Securities Inc. Member NYSE/ FINRA / SIPC

    About Blue Ocean Technologies, LLC
    Blue Ocean Technologies, LLC (BOT) is a unique capital markets fintech company empowering global investors by making trading possible during U.S. overnight trading hours. Blue Ocean ATS, LLC, and its trading system Blue Ocean Alternative Trading System (BOATS), currently trade U.S. National Market System (NMS) stocks from 8:00 pm to 4:00 am ET, Sunday – Thursday. Founded in 2019, Blue Ocean ATS is on a mission to transform U.S. trading to global trading via its flagship service, Blue Ocean Session, providing access and transparency to subscribers in all time zones during non-traditional U.S. market hours. For more information, visit www.blueocean-tech.io.

    About OTC Markets Group Inc.
    OTC Markets Group Inc. (OTCQX: OTCM) operates regulated markets for trading 12,000 U.S. and international securities. Our data-driven disclosure standards form the foundation of our public markets: OTCQX® Best Market, OTCQB® Venture Market, OTCID™ Basic Market and Pink Limited™ Market. Our OTC Link® Alternative Trading Systems (ATSs) provide critical market infrastructure that broker-dealers rely on to facilitate trading. Our innovative model offers companies more efficient access to the U.S. financial markets.

    OTC Link ATS, OTC Link ECN, OTC Link NQB, and MOON ATS™ are each SEC regulated ATS, operated by OTC Link LLC, a FINRA and SEC registered broker-dealer, member SIPC. To learn more about how we create better informed and more efficient markets, visit www.otcmarkets.com.

    For media inquiries: 
    Serina Molano 
    publicrelations@wedbush.com
    213-688-4564

    The MIL Network –

    July 16, 2025

  • MIL-OSI: Wedbush Securities Expands Global Market Access with 24-Hour Capital Markets Trading

    Source: GlobeNewswire (MIL-OSI)

    LOS ANGELES, July 15, 2025 (GLOBE NEWSWIRE) — Wedbush Securities, a leading financial services firm, has launched 24-hour trading capabilities, with clients already actively leveraging the service to access markets around the clock. Through strategic partnerships with Blue Ocean Technologies and OTC Markets Group, Wedbush delivers seamless market access across overnight, pre-market, core, and post-market sessions—particularly benefiting investors operating in Asia-Pacific time zones.

    Wedbush’s expanded after-hours trading melds in Blue Ocean ATS, MOON ATS, and OTC Overnight, which are three distinct alternative trading systems that enable overnight trading during Asia-Pacific hours. Blue Ocean ATS and MOON ATS support U.S.-listed securities, while OTC Overnight provides access to OTC equity trading during the same extended window. Together, these platforms provide clients with comprehensive market coverage from 8:00 PM to 4:00 AM Eastern Time, offering both high- and low-touch routing options and ensuring expert execution support throughout all market hours.

    “Our 24-hour trading capability marks a major step forward in providing clients with the market access they demand in today’s fast-paced global environment,” commented Burke Dempsey, EVP, Head of Investment Banking & Capital Markets at Wedbush. “By partnering with Blue Ocean and OTC Markets, we are already bridging the gap across time zones to offer continuous liquidity and execution support. This initiative reflects our focus on delivering flexible, client-driven solutions that empower investors around the clock.”

    Brian Hyndman, CEO of Blue Ocean Technologies, said, “We’re excited to partner with Wedbush to deliver our connectivity to after-hours markets. As the leading platform in overnight trading, with the deepest liquidity, trading volume, global access across 20+ countries, and a growing network of over 100 data subscribers, we’re confident this new capability will provide Wedbush clients with powerful tools to manage trading risk and unlock new opportunities beyond regular market hours.”

    “By integrating MOON ATS™ and OTC Overnight into its 24-hour trading offering, Wedbush is expanding global market access in a way that reflects its core mission: protecting client interests, driving innovation, and delivering with precision,” said Cromwell Coulson, CEO of OTC Markets Group. “At OTC Markets, we share this commitment to building secure market infrastructure that prioritizes financial safety and service excellence. Together, we’re enabling investors to trade with confidence in a market that now moves around-the-clock.”

    Wedbush supports execution and clearing in over 25 foreign markets, across a wide range of time zones linking with major alliance partners such as Maybank Investment Bank, Velocity Trade, Hana Securities, Trigon, Okasan Securities Group, and Yuanta Securities.

    Wedbush’s added 24/7 execution capabilities pair with its recent announcement of support for clearing equities traded on leading overnight ATSs, including Blue Ocean and MOON.

    About Wedbush Securities
    Wedbush Securities is the largest subsidiary of Wedbush Financial Services. Since its founding in 1955, Wedbush is widely known for providing our clients, both private and institutional, with a wide range of securities brokerage, clearing, wealth management, and investment banking services. Headquartered in Los Angeles, California with 100 registered offices and nearly 900 colleagues, the firm focuses on client service and financial safety, innovation, and the utilization of advanced technology. Securities and Investment Advisory services are offered through Wedbush Securities Inc. Member NYSE/ FINRA / SIPC

    About Blue Ocean Technologies, LLC
    Blue Ocean Technologies, LLC (BOT) is a unique capital markets fintech company empowering global investors by making trading possible during U.S. overnight trading hours. Blue Ocean ATS, LLC, and its trading system Blue Ocean Alternative Trading System (BOATS), currently trade U.S. National Market System (NMS) stocks from 8:00 pm to 4:00 am ET, Sunday – Thursday. Founded in 2019, Blue Ocean ATS is on a mission to transform U.S. trading to global trading via its flagship service, Blue Ocean Session, providing access and transparency to subscribers in all time zones during non-traditional U.S. market hours. For more information, visit www.blueocean-tech.io.

    About OTC Markets Group Inc.
    OTC Markets Group Inc. (OTCQX: OTCM) operates regulated markets for trading 12,000 U.S. and international securities. Our data-driven disclosure standards form the foundation of our public markets: OTCQX® Best Market, OTCQB® Venture Market, OTCID™ Basic Market and Pink Limited™ Market. Our OTC Link® Alternative Trading Systems (ATSs) provide critical market infrastructure that broker-dealers rely on to facilitate trading. Our innovative model offers companies more efficient access to the U.S. financial markets.

    OTC Link ATS, OTC Link ECN, OTC Link NQB, and MOON ATS™ are each SEC regulated ATS, operated by OTC Link LLC, a FINRA and SEC registered broker-dealer, member SIPC. To learn more about how we create better informed and more efficient markets, visit www.otcmarkets.com.

    For media inquiries: 
    Serina Molano 
    publicrelations@wedbush.com
    213-688-4564

    The MIL Network –

    July 16, 2025

  • MIL-OSI: b1BANK Promotes Heather Roemer to Chief Administrative Officer 

    Source: GlobeNewswire (MIL-OSI)

    BATON ROUGE, La., July 15, 2025 (GLOBE NEWSWIRE) — b1BANK, the banking subsidiary of Business First Bancshares, Inc. (Nasdaq: BFST), announced the promotion of Heather Roemer to executive vice president and chief administrative officer. 

    Roemer oversees the teams responsible for business transformation programs and product management, marketing and communications, and human resources and talent development, and continues to serve as president of b1 FOUNDATION. In her expanded role, she helps align people, priorities and operations across the organization, and serves on various steering committees focused on the bank’s strategic direction.

    “Heather combines institutional knowledge, operational excellence and a deep sense of care for our people and communities,” said Jude Melville, chairman and CEO of b1BANK. “She has helped shape the culture and infrastructure that support our mission, and I’ve asked her to take on the critical responsibility of leading integrations as we continue to expand through acquisitions. I look forward to the impact she will have on the direction of our organization in this role.” 

    Over the past 16 years, Roemer has played a key role in the bank’s growth and community engagement, helping shape its culture, operations and long-term vision. A founding leader of b1 FOUNDATION, she has led initiatives focused on financial literacy, entrepreneurship education and community empowerment throughout the bank’s footprint. 

    “I am honored to step into this role and continue building on the strong foundation we’ve created together at b1BANK,” Roemer said. “As we look ahead, I’m excited to work with our talented team to further strengthen our organization and deepen our impact in the communities we serve.” 

    Roemer is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University, where she served as class president. She also holds a degree from Louisiana State University.

    About Business First Bancshares Inc. 
    As of March 31, 2025, Business First Bancshares Inc. (Nasdaq: BFST), through its banking
    subsidiary b1BANK, has $7.8 billion in assets and $7.1 billion in assets under management through b1BANK’s affiliate Smith Shellnut Wilson LLC (SSW), excluding $0.9 billion of b1BANK assets managed by SSW. b1BANK operates banking centers and loan production offices across Louisiana and Texas, providing commercial and personal banking products and services. b1BANK is a 2024 Mastercard “Innovation Award” winner and a multiyear recipient of American Banker magazine’s “Best Banks to Work For.” Visit b1BANK.com for more information.

    Media Contact: Misty Albrecht
    b1BANK
    225.286.7879
    Misty.Albrecht@b1BANK.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/082c0896-a2ca-4d31-a7e0-5b2b32adef6b

    The MIL Network –

    July 16, 2025

  • MIL-OSI: JBTC Announces 2nd Quarter 2025 Earnings

    Source: GlobeNewswire (MIL-OSI)

    JONESTOWN, Pa., July 15, 2025 (GLOBE NEWSWIRE) — JBT Bancorp, Inc. (OTCQX: JBTC) reported quarterly earnings of $2,168,000 or $0.89 per share for the second quarter of 2025. Six-month reported earnings are $3,855,000 or $1.58 per share, up from $3,474,000 or $1.43 per share in the prior year, representing a 11% increase in earnings. The company also declared a second quarter divided of 27 cents per share.

    President & CEO Troy A. Peters stated: “We remain focused on strategies for smart growth and maintaining margin. We are pleased with our progress through the first half of the year.”

    More information can be found at OTC Markets at www.otcmarkets.com/stock/JBTC/overview.

    Contact: Andrea Shetterly, EAA
    ashetterly@jbt.bank
    Jonestown Bank & Trust Co.
    2 West Market Street
    Jonestown, PA 17038-0717
    Phone: 717-865-4246

    The MIL Network –

    July 16, 2025

  • MIL-OSI: JBTC Announces 2nd Quarter 2025 Earnings

    Source: GlobeNewswire (MIL-OSI)

    JONESTOWN, Pa., July 15, 2025 (GLOBE NEWSWIRE) — JBT Bancorp, Inc. (OTCQX: JBTC) reported quarterly earnings of $2,168,000 or $0.89 per share for the second quarter of 2025. Six-month reported earnings are $3,855,000 or $1.58 per share, up from $3,474,000 or $1.43 per share in the prior year, representing a 11% increase in earnings. The company also declared a second quarter divided of 27 cents per share.

    President & CEO Troy A. Peters stated: “We remain focused on strategies for smart growth and maintaining margin. We are pleased with our progress through the first half of the year.”

    More information can be found at OTC Markets at www.otcmarkets.com/stock/JBTC/overview.

    Contact: Andrea Shetterly, EAA
    ashetterly@jbt.bank
    Jonestown Bank & Trust Co.
    2 West Market Street
    Jonestown, PA 17038-0717
    Phone: 717-865-4246

    The MIL Network –

    July 16, 2025

  • MIL-OSI: Unlimited Rolls Out Two New Hedge Fund Replication ETFs

    Source: GlobeNewswire (MIL-OSI)

    NEW YORK, July 15, 2025 (GLOBE NEWSWIRE) — Unlimited and its CEO and CIO, Bob Elliott, today rolled out two new actively managed ETFs: the Unlimited HFMF Managed Futures ETF (HFMF) and the Unlimited HFEQ Equity Long/Short ETF (HFEQ), offering investors exposure to managed futures and equity long/short hedge fund strategies, respectively. These latest additions to the Unlimited lineup align with Unlimited’s mission to provide investors with access to transparent, liquid, and cost-effective hedge fund-style returns. These new strategies will allocate across a diversified basket of ETFs and exchange-listed futures contracts, adjusting dynamically based on evolving market conditions.

    Today’s launch expands Unlimited’s ETF roster to cover the primary hedge fund strategy sectors. “With the addition of our Managed Futures and Equity Long/Short strategies, Unlimited now offers complementary strategies to help achieve diversification in a wide range of investor portfolios,” said Mr. Elliott. “Deploying these strategies in the ETF wrapper, which offers intraday liquidity, affords the manager flexibility to adjust through volatile markets.”

    Each of Unlimited’s sector ETFs were designed to offer a volatility target aligned with equity markets as an investor-friendly way to add the diversification features of alternatives to a balanced portfolio:

    • Unlimited HFMF Managed Futures ETF – trend-following approach that seeks to generate alpha with low expected correlation to broad bond and equity markets.
    • Unlimited HFEQ Equity Long/Short ETF – equity-focused strategy that takes long and short positions across equity sectors, factors, and geographies, aiming to generate alpha relative to broad equity market exposure.
    • Unlimited HFGM Global Macro ETF – seeks to capitalize on global market mispricing opportunities spanning currency, fixed income, equity, credit and exchange rate markets.

    Over time, high fees and inefficient tax structures in hedge funds erode returns, and top tier private funds are often inaccessible to the majority of investors. Unlimited developed proprietary machine learning technology to analyze near real-time hedge fund investment returns and efficiently replicate the underlying exposures while maintaining an expense ratio significantly lower than the standard “2 & 20” hedge fund fee model.

    Unlimited’s ETFs are managed by Mr. Elliott, former investment committee member at Bridgewater Associates, and Bruce McNevin, co-founder and Chief Data Scientist at Unlimited. Mr. McNevin brings extensive experience in quantitative modeling and data science.

    For more information on Unlimited HFMF, HFEQ, HFGM and HFND please visit https://www.unlimitedetfs.com/.

    About Unlimited
    Founded in 2022 by Bob Elliott, Bruce McNevin and Matt Salzberg, Unlimited is an investment firm using proprietary technology to create strategies that offer lower-cost access to 2 & 20-style alternative investment strategies, such as hedge funds, to a wide range of investors. Mr. Elliott has built innovative hedge fund strategies for more than two decades, including at Bridgewater Associates, the world’s largest hedge fund. Mr. McNevin is a Professor of Economics at New York University and has held various data science positions at hedge funds Clinton Group and Midway Group, along with positions at Bank of America and BlackRock. Mr. Salzberg is a Co-Founder and Chairman of various companies, including Unlimited. Learn more at unlimitedfunds.com.

    Media Contacts:

    Sarah Lazarus Zach Kouwe
    Dukas Linden Public Relations Dukas Linden Public Relations
    +1 617-335-7823 +1 551-655-4032
    sarah@dlpr.com zkouwe@dlpr.com
       

    Before investing you should carefully consider the Fund’s investment objectives, risks, charges and expenses. This and other information is in the prospectus. A prospectus may be obtained by visiting www.unlimitedetfs.com. Please read the prospectus carefully before you invest.

    Important Risks
    Underlying ETFs Risks. The Fund will incur higher and duplicative expenses because it invests in Underlying ETFs. There is also the risk that the Fund may suffer losses due to the investment practices of the Underlying ETFs. The Fund will be subject to substantially the same risks as those associated with the direct ownership of securities held by the Underlying ETFs.

    Management Risk. The Fund is actively managed and may not meet its investment objective based on the Sub-Adviser’s success or failure to implement investment strategies for the Fund.

    Machine Learning, Model and Data Risk. The Fund relies heavily on proprietary “machine learning” selection processes. In addition, the composition of the Fund’s portfolio is heavily dependent on proprietary quantitative models as well as information and data supplied by third parties (“Models and Data”).

    Volatility Risk. The Fund seeks to achieve a higher level of volatility than its target hedge fund industry sector, which may result in substantial price fluctuations over short periods. As a result, the value of the Fund’s investments may rise or fall significantly, and investors should be prepared for increased levels of volatility compared to traditional
    equity funds.

    Commodity Risk. Underlying ETFs that invest in the commodities markets may subject to greater volatility than investments in traditional securities.

    Derivatives Risk. The Fund’s or an Underlying ETF’s derivative investments have risks, including the imperfect correlation between the value of such instruments and the underlying assets or index; the loss of principal, including the potential loss of amounts greater than the initial amount invested in the derivative instrument; the possible default of the other party to the transaction; and illiquidity of the derivative investments.

    Emerging Markets Risk. The Fund may invest in Underlying ETFs that invest in securities issued by companies domiciled or headquartered in emerging market nations. Investments in securities traded in developing or emerging markets, or that provide exposure to such securities or markets, can involve additional risks relating to political, economic, currency, or regulatory conditions not associated with investments in U.S. securities and investments in more developed international markets.

    Fixed Income Securities Risk. The Fund may invest in Underlying ETFs that invest in fixed income securities. The prices of fixed income securities may be affected by changes in interest rates, the creditworthiness and financial strength of the issuer and other factors. An increase in prevailing interest rates typically causes the value of existing fixed income securities to fall and often has a greater impact on longer-duration and/or higher quality fixed income securities.

    Foreign Securities Risk. Foreign securities held by Underlying ETFs in which the Fund invests involve certain risks not involved in domestic investments and may experience more rapid and extreme changes in value than investments in securities of U.S. companies.

    Futures Contracts Risk. The Fund or Underlying ETFs may invest in futures contracts.
    Risks of futures contracts include: (i) an imperfect correlation between the value of the futures contract and the underlying asset; (ii) possible lack of a liquid secondary market; (iii) the inability to close a futures contract when desired; (iv) losses caused by unanticipated market movements, which may be unlimited; (v) an obligation for the Fund or an Underlying ETF, as applicable, to make daily cash payments to maintain its required margin, particularly at times when the Fund or Underlying ETF may have insufficient cash; and (vi) unfavorable execution prices from rapid selling.

    New Fund Risk. The Fund is a recently organized management investment company with no operating history. As a result, prospective investors do not have a track record or history on which to base their investment decisions.

    Short Selling Risk. The Fund may make short sales of securities of Underlying ETFs, which involves selling a security it does not own in anticipation that the price of the security will decline. Short sales may involve substantial risk and leverage. Short sales expose the Fund to the risk that it will be required to buy (“cover”) the security sold short when the security has appreciated in value or is unavailable, thus resulting in a loss to the Fund. Short sales also involve the risk that losses may exceed the amount invested and may be unlimited.

    Swap Agreement Risk. The Fund or an Underlying ETF may invest in swap agreements. Swap agreements could result in losses if the underlying asset or reference does not perform as anticipated. Swaps can have the potential for unlimited losses. They are also subject to counterparty risk. If the counterparty fails to meet its obligations, the Fund (or the Underlying Fund) may lose money.

    Definitions:
    2 & 20 strategy: Describes the standard fee structure charged by advisers of private funds, which generally includes a 2% asset-based management fee, in addition to a 20% performance fee charged on the profits on investments.

    Distributed by Foreside Fund Services, LLC.

    The MIL Network –

    July 16, 2025

  • MIL-OSI United Kingdom: New Incoming CEO of the National Wealth Fund

    Source: United Kingdom – Executive Government & Departments

    Press release

    New Incoming CEO of the National Wealth Fund

    The Chancellor of the Exchequer has today announced the new Chief Executive Officer of the National Wealth Fund.

    The Chancellor of the Exchequer has today announced the appointment of Oliver Holbourn as the new Chief Executive Officer of the National Wealth Fund, to lead it through its next chapter.

    Oliver brings more than 25 years of experience across banking, strategy, and public financial investments including CEO roles at RBS International and, formerly, UK Financial Investments.

    The National Wealth Fund is the government’s principal investor and policy bank. It is at the forefront of investing public money and mobilising private capital to help deliver on the government’s growth and clean energy missions.

    Since its launch in October 2024, the National Wealth Fund has committed £2.5 billion, supporting 10,700 jobs. It also has expanded firepower, with £5.8 billion of additional capital to deploy. The NWF’s economic capital limit has been increased allowing it to take on greater risk, providing greater flexibility over its investments to support more projects to access private finance.

    The Chancellor recently set this government’s Strategic Priorities for the National Wealth Fund over this Parliament. Under Oliver Holbourn’s leadership, the National Wealth Fund will enter a new phase of delivering these priorities: significantly increasing the amount of capital it deploys; expanding into new sectors; and trialling Strategic Partnerships with Mayoral Strategic Authorities to develop richer pipelines for regional investment.

    This appointment followed a fair and open recruitment process, and he is expected to take up his post on 1 November.

    Chancellor of the Exchequer, Rachel Reeves said:

    I would like to congratulate Oliver on his appointment as CEO of the National Wealth Fund.

    Oliver brings a wealth of private sector expertise and public service experience to this critical role. His expertise will be instrumental in delivering the government’s growth and clean energy missions.

    I would like to thank John Flint for his leadership in successfully transforming the UK Infrastructure Bank into the National Wealth Fund and for laying a strong foundation for its future growth.

    Incoming CEO of the National Wealth Fund, Oliver Holbourn said:

    The National Wealth Fund has an important role to play in the economic success of the UK; so I am deeply honoured to be taking the reins as Chief Executive at such a pivotal time.

    I am excited to get to work – using the NWF’s expertise and resources to partner with businesses, investors, mayoral combined and local authorities, and ministers and stakeholders to mobilise private investment alongside public sector finance. This will help drive sustainable economic growth across the UK and support the clean energy transition.

    Chair of the National Wealth Fund, Chris Grigg said:

    Oliver is the ideal person to lead the Fund into our next phase. He is passionately committed to our mission, brings a rare combination of senior leadership across both the public and private sectors, and has a background in banking, which is at the heart of what we do. 

    I look forward to working with Oliver to realise the full potential of our expanded mandate, delivering the Government’s ambitions for growth and clean energy, underpinned by the new Industrial Strategy.

    Biography

    Oliver Holbourn was until very recently the CEO of RBS International Holdings, a subsidiary of the NatWest Group, where he was on the Group Executive Committee for over four years.

    With over 25 years of experience across investment banking, government investments, and strategic leadership. Oliver brings deep expertise in managing capital to deliver public value having previously served as Chief Executive Officer of UK Financial Investments (UKFI), where he was responsible for managing the government’s shareholdings in RBS, Lloyds and UK Asset Resolution, overseeing complex, high-value shareholdings on behalf of the UK taxpayer.

    Earlier in his career, Oliver spent over a decade at Bank of America, latterly as Managing Director of Equity Capital Markets for the UK, Ireland, and South Africa. His career has been defined by a strong track record in financial leadership, capital markets, and public sector engagement.

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    Published 15 July 2025

    MIL OSI United Kingdom –

    July 15, 2025

  • MIL-OSI Europe: ECB launches design contest for future euro banknotes

    Source: European Central Bank

    15 July 2025

    • Designers from across Europe invited to apply, starting 15 July 2025
    • Application platform open until 18 August 2025
    • Governing Council’s decision on final design expected by end of 2026 following a public survey

    The European Central Bank (ECB) today launched a public contest for the design of future euro banknotes – the next step in the euro banknote redesign process. The ECB’s Governing Council has already selected two possible themes for the future euro banknotes after consulting experts and the public. These are: “European culture”, focusing on shared cultural spaces and important Europeans; and “Rivers and birds”, focusing on the resilience and diversity of Europe’s natural ecosystems. In January the Governing Council also selected motifs to illustrate the two possible themes.

    The design contest, which is open to graphic designers residing in the European Union, aims to identify the best design proposals for the future euro banknotes. The contest will proceed in two phases: an application phase and a design proposal phase. During the application phase, designers must meet the specific requirements listed in the contest notice. The applicants will be assessed on the basis of their qualifications and achievements.
    Selected designers will be invited to participate in the second phase and submit their design proposals. A group of independent experts – the Design Contest Jury – will evaluate the proposals and select up to five per theme.

    “The euro is more than a currency – it symbolises European unity and diversity. Through this contest, we invite designers across Europe to shape the future of our banknotes to reflect our shared cultural identity and natural heritage,” said ECB President Christine Lagarde.

    After the contest finishes, the public will be invited to provide feedback on the designs selected. The Governing Council is expected to decide on the final design by the end of 2026. The new banknotes will be ready to enter circulation some years after this decision and following the production process. For detailed information about the contest, please refer to the ECB’s website and the Official Journal of the European Union. Designers interested in participating are invited to submit their application by 12:00 CET on 18 August.

    For media queries, please contact Alessandro Speciale, tel.: +49 172 1670791, or Benoit Deeg, tel.: +49 172 1683704.

    Notes

    • It is the duty of the ECB and the euro area national central banks to ensure that euro banknotes remain an innovative, secure and efficient means of payment. Developing new series of banknotes regularly is standard practice for all central banks. In a world where banknote reproduction technologies are rapidly evolving and counterfeiters can easily access information and materials, it is necessary to issue new banknotes on a regular basis. Beyond security considerations, the ECB is committed to reducing the environmental impact of euro banknotes throughout their life cycle, while also making them more relatable and inclusive for Europeans of all ages and backgrounds, including vulnerable groups such as the visually impaired. For more information, see the Future banknotes page on the ECB’s website.
    • The theme of the current euro banknotes is “Ages and styles” and the main motifs on each banknote are windows, doorways and bridges based on architectural styles from various periods in European history. For more information, see the Design elements page on the ECB’s website.

    MIL OSI Europe News –

    July 15, 2025

  • MIL-OSI Europe: ECB launches design contest for future euro banknotes

    Source: European Central Bank

    15 July 2025

    • Designers from across Europe invited to apply, starting 15 July 2025
    • Application platform open until 18 August 2025
    • Governing Council’s decision on final design expected by end of 2026 following a public survey

    The European Central Bank (ECB) today launched a public contest for the design of future euro banknotes – the next step in the euro banknote redesign process. The ECB’s Governing Council has already selected two possible themes for the future euro banknotes after consulting experts and the public. These are: “European culture”, focusing on shared cultural spaces and important Europeans; and “Rivers and birds”, focusing on the resilience and diversity of Europe’s natural ecosystems. In January the Governing Council also selected motifs to illustrate the two possible themes.

    The design contest, which is open to graphic designers residing in the European Union, aims to identify the best design proposals for the future euro banknotes. The contest will proceed in two phases: an application phase and a design proposal phase. During the application phase, designers must meet the specific requirements listed in the contest notice. The applicants will be assessed on the basis of their qualifications and achievements.
    Selected designers will be invited to participate in the second phase and submit their design proposals. A group of independent experts – the Design Contest Jury – will evaluate the proposals and select up to five per theme.

    “The euro is more than a currency – it symbolises European unity and diversity. Through this contest, we invite designers across Europe to shape the future of our banknotes to reflect our shared cultural identity and natural heritage,” said ECB President Christine Lagarde.

    After the contest finishes, the public will be invited to provide feedback on the designs selected. The Governing Council is expected to decide on the final design by the end of 2026. The new banknotes will be ready to enter circulation some years after this decision and following the production process. For detailed information about the contest, please refer to the ECB’s website and the Official Journal of the European Union. Designers interested in participating are invited to submit their application by 12:00 CET on 18 August.

    For media queries, please contact Alessandro Speciale, tel.: +49 172 1670791, or Benoit Deeg, tel.: +49 172 1683704.

    Notes

    • It is the duty of the ECB and the euro area national central banks to ensure that euro banknotes remain an innovative, secure and efficient means of payment. Developing new series of banknotes regularly is standard practice for all central banks. In a world where banknote reproduction technologies are rapidly evolving and counterfeiters can easily access information and materials, it is necessary to issue new banknotes on a regular basis. Beyond security considerations, the ECB is committed to reducing the environmental impact of euro banknotes throughout their life cycle, while also making them more relatable and inclusive for Europeans of all ages and backgrounds, including vulnerable groups such as the visually impaired. For more information, see the Future banknotes page on the ECB’s website.
    • The theme of the current euro banknotes is “Ages and styles” and the main motifs on each banknote are windows, doorways and bridges based on architectural styles from various periods in European history. For more information, see the Design elements page on the ECB’s website.

    MIL OSI Europe News –

    July 15, 2025

  • MIL-OSI Africa: World Bank Report Highlights Gender Dynamics and Opportunities in Botswana

    Source: APO


    .

    The World Bank has released a comprehensive report, “Trends and Opportunities to Advance Gender Equality in Botswana”, analyzing gender dynamics across life-cycle stages to guide policymakers, the civil society, and development partners on key challenges and opportunities for advancing gender equality. It reveals how structural barriers in education access, financial inclusion, and labor market participation disproportionately affect women and young Batswana and provides recommendations to address these barriers.

    “This report offers important insights to accelerate our ongoing efforts to create a more equitable Botswana. By addressing systemic barriers such as limited access to finance, skills gaps, and societal norms, we can unlock the full potential of youth, women, and men as drivers of economic growth. We are committed to fostering inclusivity while emphasizing various roles in advancing gender equality. The Government remains steadfast in promoting equal opportunities for all Batswana,” said Honourable Lesego Chombo, Minister of Youth and Gender Affairs, at the report’s launch in Gaborone.

    The report outlines five strategic priorities to address critical challenges:

    (i)       Increase women’s participation in decision-making at local and national levels and strengthen gender equality under the law.

    (ii)      Strengthen capacity for all-of-government gender mainstreaming.

    (iii)     Reduce high rates of gender-based violence (GBV) and improve access to justice and to integrated GBV survivor support services.

    (iv)     Support girls and boys to reach their full potential of human capital; and

    (v)      Close wage and productivity gender gaps in entrepreneurship and employment.

    “Women now account for 57% of university graduates, and Botswana has significantly expanded access to maternal health services, with most births taking place in health facilities. However, persistent gaps in women’s economic participation limit the country’s growth potential,” says World Bank Country Director for Botswana, Satu Kahkonen. “The World Bank will continue to support Botswana’s efforts to achieve gender equality and youth empowerment.  Ww have committed to do so globally in our Gender Strategy 2024–2030.”

    The assessment identifies gender disparities in three key areas: human capital (health, education, social protection), economic inclusion, voice and agency. Boys face higher rates of childhood stunting and lower early childhood education access, while 1 in 10 girls becomes pregnant before the age of 20, making it the leading cause of school dropout for young women. Maternal mortality, though improved, remains high at 131 deaths per 100,000 live births, and HIV continues to disproportionately affects women, with a 26% prevalence – nearly twice that of men.

    Despite educational gains, women in Botswana have lower labor force participation (63% vs 73% for men), earn less, and are concentrated in informal, vulnerable jobs. The COVID-19 pandemic worsened these disparities, with women accounting for over half of all job losses. Rural and informal women workers are especially vulnerable to climate and economic shocks, underlining the need for inclusive, resilient economic systems. Despite advancements in the legal framework for gender equality, social norms and informal barriers still limit women’s full economic inclusion. Women-are more likely to run informal businesses, have less access to finance and remain underrepresented in political leadership and traditional leadership. High rates of gender-based violence, especially among marginalized groups, are worsened by weak institutional coordination and fragmented support systems.

    The assessment was conducted in consultation with the Government of Botswana, development partners, and civil society organizations, and benefits from prior research and reports.

    Distributed by APO Group on behalf of The World Bank Group.

    MIL OSI Africa –

    July 15, 2025

  • MIL-OSI Africa: Cameroon’s Economic Update: Harnessing Forests and Natural Wealth for Sustainable Growth

    Source: APO


    .

    The World Bank Group today launched the 2025 Cameroon Economic Update, titled ‘’Cameroon’s Green Gold: Unlocking the Value of Forests and Natural Capital’’. The report provides a comprehensive analysis of the nation’s recent economic developments, medium-term outlook, and the critical role of wealth accounting in assessing the country’s economic performance. The report places a special emphasis on the importance of sustainable forests and natural resources management as drivers of inclusive and resilient development.

    According to the report, Cameroon’s GDP grew by 3.5% in 2024, up from 3.2% in 2023, driven by rising cocoa prices, enhanced cotton yields, and improved power supply. Average inflation declined sharply from 7.4% to 4.5% between 2023 and 2024, thanks to tighter monetary policy, price controls, and reduced import inflation. The current account deficit narrowed from 4.1% to 3.4% of GDP%, mainly due to the cocoa price surge. However, the overall fiscal deficit widened to 1.5% of GDP, compared to 0.7% of GDP in 2023, due to a slippage in current expenditures and weaker-than-expected revenues. Public debt rose slightly from 46.1% to 46.8% of GDP, with most of this increase in the form of external debt.

    The medium-term outlook is moderately positive, with an anticipated average real GDP growth of 3.9% from 2025 to 2028, supported by improved power generation and increased public investment – particularly in the construction sector. Average inflation is expected to decline further, reaching the 3% CEMAC convergence criteria by 2027. However, the current account deficit is expected to increase at around 4.0% of GDP over the medium term, due to declining oil production and prices, mixed results from government industrial policies, and increased inputs as a result of higher public and private investment. While Cameroon’s external and overall public debt are expected to remain sustainable, the country faces a high risk of debt distress due to liquidity issues.

    “Cameroon’s economy has demonstrated resilience amidst external shocks, yet multiple structural weaknesses – particularly infrastructure gaps – impede its potential,” said Robert Utz, World Bank Lead Country Economist and one of the report’s authors. ‘’A bold fiscal reform agenda is imperative to bridge those gaps and boost economy-wide productivity.”

    The report also introduces national wealth accounting as a critical tool for policy makers to better understand Cameroon’s economic capacity to generate future income and sustain development. Although total national wealth grew from $311 billion in 1995 to $553 billion in 2020, national wealth per capita declined by 11% over the same period. Adjusted net savings (ANS) – a broader picture of a nation’s economic sustainability – was moderately negative between 2010 and 2020, suggesting that Cameroon is depleting its wealth slightly faster than it is accumulating new assets. Forest depletion accelerated dramatically after 2010, with the conversion of lowland forests for agricultural use between 2010 and 2020, five times the rate of the previous decade. At the same time, the ecological condition of Cameroon’s forests has deteriorated significantly, with satellite data showing declines in tree height, canopy cover, forest connectivity, and landscape naturalness

    “To minimize the environmental impact of growth and preserve natural wealth, Cameroon could prioritize its high-value, vulnerable ecosystems and transition to a forest-based service economy, leveraging ecotourism, medicinal services with its unique flora, and forest-based knowledge,” said Cheick F. Kanté, World Bank Division Director for Cameroon, Central African Republic, the Republic of Congo, Gabon and Equatorial Guinea.

    The report underscores that to achieve its goal of becoming an emerging economy by 2035, Cameroon must diversify beyond primary commodities. With one of Africa’s most unique ecosystems, a competitive tourism sector could become a key driver of growth and employment—leveraging natural capital that few other countries can match.

    Distributed by APO Group on behalf of The World Bank Group.

    MIL OSI Africa –

    July 15, 2025

  • India’s Q1 passenger vehicle sales cross one million for second consecutive year

    Source: Government of India

    Source: Government of India (4)

    India’s passenger vehicle sales crossed the one million mark for the second consecutive April–June quarter (Q1), with exports showing strong double-digit growth, according to data released by the Society of Indian Automobile Manufacturers (SIAM) on Tuesday.

    Passenger vehicle exports — including utility vehicles and cars — reached a record high of 2.04 lakh units in Q1 of 2025–26, marking a 13.2% rise over the same period last year.

    SIAM attributed the growth to steady demand in key overseas markets, with the Middle East and Latin America performing well, alongside a revival in neighbouring countries like Sri Lanka and Nepal. Rising demand from Japan and higher exports under free trade agreements, including with Australia, also contributed to the uptick.

    Two-wheeler exports rose to 1.14 million units, recording a robust 23.2% growth compared to Q1 last year. This was supported by recovery in neighbouring markets and continued momentum in major destinations.

    Exports of three-wheelers climbed to 0.96 lakh units, an increase of 34.4% year-on-year, while commercial vehicle exports grew by 23.4% to around 0.2 lakh units.

    Despite the positive export figures, domestic passenger vehicle sales in Q1 stood at 1.01 million units — down 1.4% compared to the same quarter last year — due to slower sales in the latter part of the quarter.

    The two-wheeler segment sold 4.67 million units, posting a 6.2% decline year-on-year, largely due to inventory corrections. However, retail registrations for two-wheelers rose by 5%, boosted by the wedding season and stable demand. The scooter segment’s share within two-wheelers also increased by 2.15% year-on-year.

    The three-wheeler category recorded its highest ever Q1 sales at 1.65 lakh units, mainly driven by strong demand in the passenger carrier segment. SIAM noted that increased economic activity and urban mobility needs supported this growth, while the cargo segment’s retail registrations continued to rise on the back of demand for intracity low-load transport and easier financing.

    Meanwhile, the commercial vehicle segment saw a marginal decline of 0.6% year-on-year to 2.23 lakh units, though passenger carriers within the category maintained positive growth, reflecting steady demand for public transport.

    Looking ahead, SIAM said the industry remains cautiously optimistic for the second quarter. The upcoming festive season, an above-normal monsoon aiding rural incomes, and the Reserve Bank of India’s recent 100-basis-point repo rate cut over six months could help lift demand for passenger vehicles and two-wheelers.

    However, SIAM cautioned that supply-side challenges persist, particularly the recent export licensing requirements imposed by China on rare earth magnets, which are critical components for vehicle manufacturing.

    — IANS

    July 15, 2025

  • India’s Q1 passenger vehicle sales cross one million for second consecutive year

    Source: Government of India

    Source: Government of India (4)

    India’s passenger vehicle sales crossed the one million mark for the second consecutive April–June quarter (Q1), with exports showing strong double-digit growth, according to data released by the Society of Indian Automobile Manufacturers (SIAM) on Tuesday.

    Passenger vehicle exports — including utility vehicles and cars — reached a record high of 2.04 lakh units in Q1 of 2025–26, marking a 13.2% rise over the same period last year.

    SIAM attributed the growth to steady demand in key overseas markets, with the Middle East and Latin America performing well, alongside a revival in neighbouring countries like Sri Lanka and Nepal. Rising demand from Japan and higher exports under free trade agreements, including with Australia, also contributed to the uptick.

    Two-wheeler exports rose to 1.14 million units, recording a robust 23.2% growth compared to Q1 last year. This was supported by recovery in neighbouring markets and continued momentum in major destinations.

    Exports of three-wheelers climbed to 0.96 lakh units, an increase of 34.4% year-on-year, while commercial vehicle exports grew by 23.4% to around 0.2 lakh units.

    Despite the positive export figures, domestic passenger vehicle sales in Q1 stood at 1.01 million units — down 1.4% compared to the same quarter last year — due to slower sales in the latter part of the quarter.

    The two-wheeler segment sold 4.67 million units, posting a 6.2% decline year-on-year, largely due to inventory corrections. However, retail registrations for two-wheelers rose by 5%, boosted by the wedding season and stable demand. The scooter segment’s share within two-wheelers also increased by 2.15% year-on-year.

    The three-wheeler category recorded its highest ever Q1 sales at 1.65 lakh units, mainly driven by strong demand in the passenger carrier segment. SIAM noted that increased economic activity and urban mobility needs supported this growth, while the cargo segment’s retail registrations continued to rise on the back of demand for intracity low-load transport and easier financing.

    Meanwhile, the commercial vehicle segment saw a marginal decline of 0.6% year-on-year to 2.23 lakh units, though passenger carriers within the category maintained positive growth, reflecting steady demand for public transport.

    Looking ahead, SIAM said the industry remains cautiously optimistic for the second quarter. The upcoming festive season, an above-normal monsoon aiding rural incomes, and the Reserve Bank of India’s recent 100-basis-point repo rate cut over six months could help lift demand for passenger vehicles and two-wheelers.

    However, SIAM cautioned that supply-side challenges persist, particularly the recent export licensing requirements imposed by China on rare earth magnets, which are critical components for vehicle manufacturing.

    — IANS

    July 15, 2025
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