Category: Health

MIL-Evening Report: People’s mental health goes downhill after repeated climate disasters – it’s an issue of social equity

Source: The Conversation (Au and NZ) – By Ang Li, ARC DECRA and Senior Research Fellow, NHMRC Centre of Research Excellence in Healthy Housing, Melbourne School of Population and Global Health, The University of Melbourne

Across Australia, communities are grappling with climate disasters that are striking more frequently and with greater intensity. Bushfires, floods and cyclones are no longer one-off events. And this pattern is predicted to worsen due to climate change.

As it becomes more common to face climate disasters again and again, what does this mean for the mental health and wellbeing of people affected?

In a new study published today in the Lancet Public Health, we found experiencing repeated disasters leads to more severe and sustained effects on mental health compared to experiencing a single disaster.

What we did in our study

We drew on ten years of Australian data (2009–19) from the nationally representative Household, Income and Labour Dynamics in Australia survey.

Specifically, our study involved data from 1,511 people who experienced at least one disaster. We tracked them from the year before the first disaster, at the first disaster, and, where applicable, each subsequent disaster, and a few years after each disaster.

We also included 3,880 people who did not experience disasters during this time but shared similar demographic, socioeconomic, health and place-based characteristics for comparison.

We measured exposure to climate disasters based on whether respondents reported a weather-related disaster (for example, flood, bushfire or cyclone) damaged or destroyed their home in the previous year.

The mental health outcomes were measured using two questionnaires commonly administered to assess depression and anxiety disorders (the 5-item mental health inventory) and psychological distress (the Kessler Psychological Distress Scale).

Cumulative effects

Our results show mental health declines became more severe with repeated disasters.

The graph below plots the mental health trajectories for everyone in our study who experienced at least one disaster, and the control group who did not experience any disasters. We looked at a maximum of three disasters in the study due to data availability.

It shows experiencing one disaster led to a decline in mental health during the disaster year, followed by a recovery to pre-disaster levels in the post-disaster period.

However, with repeated disasters, mental health trajectories declined further and it took longer to recover to pre-disaster levels.

We also found experiencing an additional disaster close to a previous disaster (for example, one or two years apart) was linked to greater mental health declines than disasters that were spaced further apart.

Some risk factors

We observed that certain factors consistently shaped mental health outcomes. For instance, having social support was consistently a protective factor, while having a long-term health condition consistently increased the risk of poorer mental health. This was true regardless of the number of disasters someone experienced.

On the other hand, some risk factors became stronger with each disaster. In particular, households with lower incomes, those in rural areas, and younger people appeared to experience greater effects of cumulative disasters.

There are some limitations to our research. For example, the data we had did not detail the type or severity of each disaster. It also was limited in what it could tell us about the mental health effects of three or more disasters.

Nonetheless, our study provides novel insights into the mental health consequences of multiple climate disasters. This highlights the need for better support for communities facing an increasing number of emergencies.

Our findings also align with other studies that have observed increasing risk to mental health with multiple disasters.

At the same time, our findings add a new perspective by showing how trajectories can change over time. People’s mental health often recovers to pre-disaster levels after a single disaster, but repeat disasters can delay or halt this recovery.

Why might repeated disasters lead to worse mental health?

Repeated disasters, especially when they occur in close succession, can lead to cumulative stress driven by trauma and uncertainty. This can create a reinforcing cycle. People already facing social disadvantages – such as poor health and low income – are more likely to be exposed to disasters. In turn, these events disproportionately affect those facing existing disadvantages.

The result is a compounding effect that can contribute to worsening mental health outcomes and slower recovery over multiple disasters. This means disasters are an issue of social equity and must be considered in efforts to reduce poverty and improve social outcomes, as well as health outcomes.

Repeated disasters in particular can drain financial, social and community resources. They can exacerbate existing strain on household savings, disrupted social ties due to displacement, and reduced access to services after disasters – especially in rural areas.

What can we do to support people through multiple disasters?

We need to transform the way we think about disasters. It’s estimated children born today will experience up to seven times the number of extreme weather events across their lifetimes than someone born in 1960.

We are starting to get a better picture of what people need to recover from climate disasters. Our research points to the need for clinical services (for example, GPs) to screen for past disaster exposures in mental health assessments.

Emergency services need to plan services to reach at-risk groups during disasters. They also need to ensure recovery planning considers the effects of past disasters, for example by making sure support programs are not just tied to one disaster, but can be used across multiple.

The current approach to emergency services that looks at “one disaster at a time” doesn’t work anymore. As the climate continues to change, we urgently need to consider the effects of multiple disasters in public health, welfare and disaster services.

Ang Li receives funding from the Australian Research Council.

Claire Leppold does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. People’s mental health goes downhill after repeated climate disasters – it’s an issue of social equity – https://theconversation.com/peoples-mental-health-goes-downhill-after-repeated-climate-disasters-its-an-issue-of-social-equity-254475

MIL OSI Analysis – EveningReport.nz –

April 30, 2025
MIL-OSI New Zealand: Health and Employment – Auckland theatre nurses to strike tomorrow – NZNO

Source: New Zealand Nurses Organisation

Te Toka Tumai Auckland Te Whatu Ora theatre nurses will strike for two hours tomorrow over attempts by Health New Zealand not to pay them appropriately for involuntary overtime.

The 370 perioperative (which includes preoperative, theatre and postoperative) nurses are members of the New Zealand Nurses Organisation Tōpūtanga Tapuhi Kaitiaki O Aotearoa (NZNO) working at Auckland City Hospital, Starship Hospital and Greenlane Hospital.

NZNO delegate and perioperative nurse Alissa Baker says nurses are standing up against involuntary overtime. This stand is part of the current collective agreement bargaining between NZNO and Te Whatu Ora.

“Nurses should be paid appropriately for the work we are doing, and that does not include forced overtime as the Te Whatu Ora proposal seeks to enforce,” Alissa Baker says.

NZNO chief executive Paul Goulter says it is appropriate the perioperative nurses are striking on May Day.

“May Day is a day for workers and unions around the world to celebrate workers’ rights and the union movement. It is timely that our perioperative nurses are making a stand for fair pay on May Day.

“The Government continues to chronically under-resource health, is increasing the privatisation of health services and fails to address the crisis in primary and aged residential care. This is another insult to other nurses and health care workers around the country.

“This year NZNO members will join their fellow union members around the country at Fight Back for Health and Fight Back Together events,” Paul Goulter says.

Notes:

– Striking perioperative nurses will join senior doctors and cross-union members for the May Day Fight Back for Heath event outside the front of Auckland City Hospital from 9am to 1pm tomorrow (Thursday 1 May)

– NZNO perioperative members from Auckland City Hospital, Starship Hospital and Greenlane Clinical Centre will strike between 9am-11am.

– NZNO perioperative members working in Post Anaesthesia Care Units on level 4, 8 and 9 at Auckland City Hospital, Starship Hospital and Greenlane Clinical Centre will strike between 11.30am-1.30pm.

– Information about Fight Back for Health events can be found here: https://maranga-mai.nzno.org.nz/fight_back_for_health

– Information about Fight Back Together can be found here: https://www.together.org.nz/may_day_hui

MIL OSI New Zealand News –

April 30, 2025

MIL-OSI: Credit Agricole Sa: Results first quarter 2025 – INCREASED REVENUES, STRONG PROFITABILITY DESPITE EXCEPTIONAL HIGH TAX IMPACT

Source: GlobeNewswire (MIL-OSI)

INCREASED REVENUES, STRONG PROFITABILITY DESPITE EXCEPTIONAL HIGH TAX IMPACT

	CRÉDIT AGRICOLE S.A.		CRÉDIT AGRICOLE GROUP
	Q1 2025	Var. Q1/Q1	Q1 2025	Var Q1/Q1
Revenues	7,256	+6.6%	10,048	+5.5%
Expenses	-3,991	+8.8%	-5,992	+7.2%
Gross Operating Income	3,266	+4.1%	4,056	+3.0%
Cost of risk	-413	+3.4%	-735	+12.9%
Net pre-tax income	2,900	+4.6%	3,399	+1.6%
Net income group share	1,824	-4.2%	2,165	-9.2%
C/I ratio	55.0%	+1.1 pp	59.6%	+1.0 pp
NET PRE-TAX INCOME UP Record quarterly revenues and strong growth, fuelled by the excellent performance by Asset Gathering and Large Customers High profitability: contained cost/income ratio (increase in expenses of +3.2% Q1/Q1 excluding exceptional elements) and 15.9% return on tangible equity Stable cost of risk Results impacted by additional corporate tax charge EXCELLENT PERFORMANCE IN CIB AND ASSET GATHERING DIVISION High CIB, asset management and insurance business, reflected in the increased level of insurance revenues with contributions from all activities, net inflows (medium-long term) and a record level of assets under management, as well as a new record reached by CIB Loan production in France recovered compared with the low point in early 2024 without confirming the end-of-year momentum and consumer finance down, impacted by decreased activity in automotive financing; international credit activity at a high level. CAPITAL OPERATIONS AND STRATEGIC PROJECTS Creation of the GAC Sofinco Leasing joint venture Partnership created between Amundi and Victory Capital Stake in the capital of Banco BPM increased to 19.8% Planned acquisition of Banque Thaler announced by Indosuez Wealth Management AS EXPECTED, SOLVENCY RATIOS BENEFITING FROM THE POSITIVE IMPACT OF CRR3. Crédit Agricole S.A.’s phased-in CET1 at 12.1% and Group phased-in CET1 at 17.6% CONTINUED SUPPORT FOR THE ENERGY TRANSITION Continued withdrawal from fossil energies and reallocation to low-carbon energy sources Support for the transition of households and businesses

Dominique Lefebvre,
Chairman of SAS Rue La Boétie and Chairman of the Crédit Agricole S.A. Board of Directors

“Quarter after quarter, Crédit Agricole continues its action to support the major societal, environmental, agricultural and agri-food transitions, which are solid development levers for the entire Group. I would like to thank each of our employees for their daily commitment to serving our customers.“

Philippe Brassac,
Chief Executive Officer of Crédit Agricole S.A.

“The Group has published high-level results this quarter, driven by strong revenue growth, despite exceptional taxation. Crédit Agricole S.A. posted record revenues this quarter and high profitability.”

This press release comments on the results of Crédit Agricole S.A. and those of Crédit Agricole Group, which comprises the Crédit Agricole S.A. entities and the Crédit Agricole Regional Banks, which own 62.8% of Crédit Agricole S.A.

All financial data are now presented stated for Crédit Agricole Group, Crédit Agricole S.A. and the business lines results, both for the income statement and for the profitability ratios.

Crédit Agricole Group

Group activity

The Group’s commercial activity during the quarter continued at a steady pace across all business lines, with a good level of customer capture. In the first quarter of 2025, the Group recorded +550,000 new customers in retail banking. More specifically, over the year, the Group gained +433,000 new customers for Retail Banking in France and 117,000 new International Retail Banking customers (Italy and Poland).

At 31 March 2025, in retail banking, on-balance sheet deposits totalled €835 billion, up +1.3% year-on-year in France and Italy (+1.6% for Regional Banks and LCL and -2.1% in Italy). Outstanding loans totalled €881 billion, up +1.0% year-on-year in France and Italy (+1.0% for Regional Banks and LCL and +1.6% in Italy). The upturn in home loan production continued in France compared to the low point observed at the beginning of 2024, without confirming the end-of-year momentum, partly explained by the seasonal effect, recording an increase of +37% for the Regional Banks and +46% for LCL compared to the first quarter of 2024, and -4.3% and -34% respectively compared to the fourth quarter of 2024. Home loan production by CA Italia is high and up +19% compared with the first quarter of 2024. The property and casualty insurance equipment rate¹ rose to 44.2% for the Regional Banks (+0.8 percentage points compared to the first quarter of 2024), 28.0% for LCL (+0.2 percentage point) and 20.3% for CA Italia (+1.0 percentage point).

In asset management, quarterly inflows remained strong at +€31.1 billion, fuelled by strong medium/long-term assets, excluding JVs (+€37 billion). In insurance, savings/retirement gross inflows rose to a record €10.8 billion over the quarter (+27% year-on-year), with the unit-linked rate in production staying at a high 34.3%. Net inflows were positive at +€4 billion, growing for both euro-denominated and unit-linked contracts. The strong performance in property and casualty insurance was driven by price changes and portfolio growth (16.8 million contracts at end-March 2025, +5% year-on-year). Assets under management totalled €2,878 billion, up +8.7% in the year for all three segments: asset management rose +6.2% over the year to €2,247 billion; life insurance was up +5.2% to €352 billion; and wealth management (Indosuez Wealth Management and LCL Private Banking) increased +41.3% year-on-year to €278 billion, notably with the positive impact of the consolidation of Degroof Petercam (€69 billion in assets under management consolidated in the second quarter of 2024).

Business in the SFS division decreased. At CAPFM, consumer finance outstandings increased to €120.7 billion, up +5.6% compared with the end of March 2024, with car loans representing 54%² of total outstandings, while new loan production decreased slightly, by -6.4% compared with end-March 2024, mainly due to the economic context negatively impacting the automotive market in Europe and China. Regarding Crédit Agricole Leasing & Factoring (CAL&F), production of lease financing outstandings was up +5.7% compared to March 2024 to €20.5 billion, with a particularly strong contribution from property leasing and renewable energy financing in France.

Large Customers again posted record revenues for the quarter in Corporate and Investment Banking. Capital Markets and Investment Banking was driven by all activities, supported by high volatility, while Financing activities reaped the benefits of growth in commercial activities. Asset Servicing recorded a high level of assets under custody of €5,467 billion and assets under administration of €3,575 billion (+9% and +4.7%, respectively, compared with the end of March 2024), with good sales momentum and positive market effects over the year.

Continued support for the energy transition

The Group is continuing the mass roll-out of financing and investment to promote the transition. The Crédit Agricole Group increased its exposure to low-carbon energy financing³ by +141% between the end of 2020 and the end of 2024, with €26.3 billion in financing at 31 December 2024. Investments in low-carbon energy⁴ totalled €6 billion at 31 December 2024.

At the same time, as a universal bank, Crédit Agricole is supporting the transition of all its customers. Thus, outstandings related to the environmental transition⁵ amounted to €111.7 billion at 31 December 2024, including €86.7 billion for energy-efficient buildings and €5.3 billion for clean transport and mobility.

In addition, the Group is continuing its exit path from carbon-based energy financing and disclosed its exposure to hydrocarbon extraction project financing⁶, down to $0.96 billion at the end of 2024, i.e. -30% compared to 2020. The target of a -25% reduction of exposure to oil extraction at the end of 2025 compared to 2020 was greatly exceeded at the end of 2024 and stands at -56%.

Group results

In the first quarter of 2025, Crédit Agricole Group’s net income Group share came to €2,165 million, down

-9.2% compared to the first quarter of 2024.

Credit Agricole Group, Income statement Q1-25 and Q1-2024

€m	Q1-25	Q1-24	∆ Q1/Q1
Revenues	10,048	9,525	+5.5%
Operating expenses	(5,992)	(5,589)	+7.2%
Gross operating income	4,056	3,936	+3.0%
Cost of risk	(735)	(651)	+12.9%
Equity-accounted entities	75	68	+9.5%
Net income on other assets	4	(7)	n.m.
Change in value of goodwill	–	–	n.m.
Income before tax	3,399	3,347	+1.6%
Tax	(1,041)	(755)	+37.9%
Net income from discont’d or held-for-sale ope.	(0)	–	n.m.
Net income	2,358	2,592	(9.0%)
Non controlling interests	(193)	(208)	(7.2%)
Net income Group Share	2,165	2,384	(9.2%)
Cost/Income ratio (%)	59.6%	58.7%	+1.0 pp

In the first quarter of 2025, revenues amounted to €10,048 million, up +5.5% compared to the first quarter of 2024, driven by favourable results from most of the business lines. Revenues were up in French Retail Banking, while the Asset Gathering division benefited from good business momentum and the integration of Degroof Petercam, the Large Customers division enjoyed a high level of revenues across all of its business lines and the Specialised Financial Services division benefited from a positive price effect, compensating slightly down revenues in international retail banking. Operating expenses were up +7.2% in the first quarter of 2025, totalling €5,992 million. Overall, Credit Agricole Group saw its cost/income ratio reach 59.6% in the first quarter of 2025, up by +1.0 percentage point. As a result, the gross operating income stood at €4,056 million, up +3.0% compared to the first quarter of 2024.

The cost of credit risk stood at -€735 million, a year-on-year increase of +12.9% compared to the first quarter of 2024. This figure comprises an amount of -€47 million to prudential provisions on performing loans (stages 1 and 2) and an amount of -€677 million for the cost of proven risk (stage 3). There was also an addition of -€11 million for other risks. The provisioning levels were determined by taking into account several weighted economic scenarios and by applying some flat-rate adjustments on sensitive portfolios. The weighted economic scenarios for the first quarter are the same used for the previous quarter. The cost of risk/outstandings⁷reached 27 basis points over a four rolling quarter period and 24 basis points on an annualised quarterly basis⁸.

Pre-tax income stood at €3,399 million, a year-on-year increase of +1.6% compared to first quarter 2024. This includes the contribution from equity-accounted entities for €75 million (up +9.5%) and net income on other assets, which came to +€4 million over this quarter. The tax charge was -€1,041 million, up +37.9% over the period, with the tax rate this quarter rising by +8.3 percentage points to 31.3%. This increase is related to the exceptional corporate income tax of €-207 million at the Crédit Agricole Group level, corresponding to an estimation of €-330 million in 2025 (assuming 2025 fiscal result being equal to 2024 fiscal result). Net income before non-controlling interests was down -9.0% to €2,358 million. Non-controlling interests decreased -7.2%.

Regional banks

Gross customer capture stands at +319,000 new customers. The percentage of customers using demand deposits as their main account is stable and those who use digital tools continued to increase. Credit market share (total credits) stood at 22.7% (at the end of December 2024, source Banque de France), up by 0.1 percentage point compared to December 2023. Loan production was up +19.4% compared to the first quarter of 2024, reflecting the +37% rise in home loans and 8% in specialised markets. However, home loan production has slowed compared to the strong activity at the end of the year (-4.8% compared to the fourth quarter of 2024). The average lending production rate for home loans stood at 3.18%⁹ over January and February 2025, -17 basis points lower than in the fourth quarter of 2024. By contrast, the global loan stock rate showed a gradual improvement (+11 basis points compared to the first quarter of 2024). Outstanding loans totalled €649 billion at the end of March 2025, up by 0.8% year-on-year across all markets and up slightly by +0.2% over the quarter.
Customer assets were up +2.5% year-on-year to reach €915.7 billion at the end of March 2025. This growth was driven both by on-balance sheet deposits, which reached €603.2 billion (+1.3% year-on-year), and off-balance sheet deposits, which reached €312.6 billion (+5% year-on-year) benefiting from strong inflows in life insurance. Over the quarter, demand deposits slightly decreased by -1.1% compared to the fourth quarter of 2024, while term deposits are stable. The market share of on-balance sheet deposits is up compared to last year and stands at 20.1% (Source Banque de France, data at the end of December 2024, i.e. +0.2 percentage points compared to December 2023). The equipment rate for property and casualty insurance¹⁰ was 44.2% at the end of March 2025 and continues to rise (up +0.8 percentage point compared to March 2024). In terms of payment instruments, the number of cards rose by +1.8% year-on-year, as did the percentage of premium cards in the stock, which increased by 1.8 percentage point year-on-year to account for 17% of total cards.
In the first quarter of 2025, the Regional Banks’ consolidated revenues stood at €3,339 million, up +1.3% compared to the first quarter of 2024, notably impacted by a base effect of +€41 million related to the reversal of the Home Purchase Savings Plan provision in the first quarter of 2024¹¹. Excluding this item, revenues were up +2.6% compared to the first quarter of 2024, benefiting from the increase in the intermediation margin and stable fee and commission income, mainly driven by account management and payment instruments (+3.3%). Operating expenses posted a contained increase (+1.8%). Gross operating income was stable year-on-year (+5.2% excluding the base effect¹¹). The cost of risk increased by +28.7% compared to the first quarter of 2024 to -€318 million. The cost of risk/outstandings (over four rolling quarters) remained under control at 21 basis points (a 1 basis point increase compared to fourth quarter 2024).
Thus, the net pre-tax income was down -11.6% and stood at €522 million. The Regional Banks’ consolidated net income was €346 million, down -21.2% compared to the first quarter of 2024, especially impacted by the corporate income tax surcharge (-15.3% excluding the base effect ¹¹).
The Regional Banks’ contribution to net income Group share was €341 million in the first quarter of 2025, up -23% compared to the first quarter of 2024 (-17% excluding base effect¹¹).

Crédit Agricole S.A.

Results

Crédit Agricole S.A.’s Board of Directors, chaired by Dominique Lefebvre, met on 29 April 2025 to examine the financial statements for the first quarter of 2025.

Credit Agricole S.A. – Income statement, Q1-25 and Q1-24

En m€	T1-25	T1-24	∆ T1/T1
Revenues	7,256	6,806	+6.6%
Operating expenses	(3,991)	(3,669)	+8.8%
Gross operating income	3,266	3,137	+4.1%
Cost of risk	(413)	(400)	+3.4%
Equity-accounted entities	47	43	+9.2%
Net income on other assets	1	(6)	n.m.
Change in value of goodwill	–	–	n.m.
Income before tax	2,900	2,773	+4.6%
Tax	(827)	(610)	+35.5%
Net income from discont’d or held-for-sale ope.	0	–	n.m.
Net income	2,073	2,163	(4.1%)
Non controlling interests	(249)	(259)	(3.9%)
Net income Group Share	1,824	1,903	(4.2%)
Earnings per share (€)	0.56	0.50	+11.4%
Cost/Income ratio (%)	55.0%	53.9%	+1.1 pp

In the first quarter of 2025, Crédit Agricole S.A.’s net income Group share amounted to €1,824 million, a decrease of -4.2% from the first quarter of 2024. The results of the first quarter of 2025 are based on high revenues, a cost/income ratio maintained at a low level and a controlled cost of risk, but are impacted by the corporate income tax surcharge. Pre-tax income is high, up +4.6% compared to the first quarter of 2024.

In the first quarter of 2025, revenues were at a record level, standing at €7,256 million. They were up sharply (+6.6%) compared to the first quarter of 2024. This growth was driven by growth in the Asset Gathering division (+15%) which in turn was driven by strong activity and the rise in outstandings across all business lines, including the integration of Degroof Petercam¹². Large Customer division revenues (+6.3%) were driven by good results from all business lines with continued revenue growth in corporate and investment banking (with a record revenue level for Crédit Agricole CIB) in the first quarter, in addition to an improvement in the net interest margin and fee and commission income within CACEIS. Specialised Financial Services division revenues (+2.6%) benefited mainly from positive price effects in the Personal Finance and Mobility business line. French Retail Banking growth (+1.0%) was driven by the rise in fee and commission income, and International Retail Banking revenues (-3.0%) were impacted by a base effect related to exceptional foreign exchange activity in Egypt in the first quarter of 2024. Revenues from the Corporate Centre recorded an increase of +€40 million, favourably impacted by the revaluation of the stake in Banco BPM.

Operating expenses totalled -€3,991 million in the first quarter of 2025, an increase of +8.8% compared to the first quarter of 2024, reflecting the support given to business line development. The increase in expenses of -€322 million between the first quarter of 2024 and the first quarter of 2025 is partly made up of a scope effect and integration costs of -€138 million¹³ and IFRIC impact of -€72 million. Other expenses increase by -€113 million (+3.2%).

The cost/income ratio thus stood at 55.0% in the first quarter 2025, increasing by +1.1 percentage point compared to the first quarter of 2024.

Gross operating income in the first quarter of 2025 stood at €3,266 million, an increase of +4.1% compared to the first quarter of 2024.

As at 31 March 2025, risk indicators confirm the high quality of Crédit Agricole S.A.’s assets and risk coverage level. The diversified loan book is mainly geared towards home loans (26% of gross outstandings) and corporates (45% of Crédit Agricole S.A. gross outstandings). The Non Performing Loans ratio showed little change from the previous quarter and remained low at 2.3%. The coverage ratio¹⁴ was high at 74.9%, up +0.8 percentage points over the quarter. Loan loss reserves amounted to €9.4 billion for Crédit Agricole S.A., a -€0.2 billion decline from end-December 2024. Of those loan loss reserves, 36.6% were for performing loans (percentage up +0.8% from the previous quarter).

The cost of risk was a net charge of -€413 million, up +3.4% compared to the first quarter of 2024, and came mainly from a provision for non-performing loans (level 3) of -€411 million (compared to a provision of -€384 million in the first quarter of 2024). Net provisioning on performing loans (levels 1 and 2) was almost zero this quarter, compared to a provision of -€12 million in the first quarter of 2024. Also noteworthy is a provision of -€2 million for other items (legal provisions) versus -€5 million in the first quarter of 2024. By business line, 60% of the net provision for the quarter came from Specialised Financial Services (55% at end-March 2024), 22% from LCL (30% at end-March 2024), 16% from International Retail Banking (20% at end-March 2024), 5% from the Corporate Centre (3% at end-March 2024) and recovered for Large Customers (same as end-March 2024). The provisioning levels were determined by taking into account several weighted economic scenarios and by applying some flat-rate adjustments on sensitive portfolios. The weighted economic scenarios for the first quarter are the same used for the previous quarter. In the first quarter of 2025, the cost of risk/outstandings was 34 basis points over a rolling four-quarter period¹⁵ and 30 basis points on an annualised quarterly basis¹⁶ (a decrease of one basis point, versus the first quarter of 2024).

The contribution from equity-accounted entities amounted to €47 million in the first quarter of 2025, up +9.2% compared to the first quarter of 2024, mainly due to the growth of equity-accounted entities in the Personal finance and mobility business line.

Pre-tax income, discontinued operations and non-controlling interests therefore increased by +4.6% to €2,900 million.

The effective tax rate stood at 29.0%, up +6.6 percentage points compared to the first quarter of 2024. The tax charge was -€827 million, up +35.5% in connection with the impact in the first quarter of 2025 of the exceptional corporate tax surcharge of €-123 million, corresponding to an estimation of -€200 million in 2025 (assuming 2025 fiscal result being equal to 2024 fiscal result). Net income before non-controlling interests was down -4.1% to €2,073 million. Non-controlling interests amounted to -€249 million in first quarter 2025, down -3.9%.

Earnings per share in the first quarter of 2025 reached €0.56, increasing by +11.4% compared to the first quarter of 2024.
RoTE¹⁷, which is calculated on the basis of an annualised Net Income Group Share ¹⁸ and IFRIC charges and additional corporate tax charge linearised over the year, net of annualised Additional Tier 1 coupons (return on equity Group share excluding intangibles) and net of foreign exchange impact on reimbursed AT1, and restated for certain volatile items recognised in equity (including unrealised gains and/or losses), reached 15.9% in the first quarter of 2025, decreasing of 0.1 percentage point compared to the first quarter of 2024.

Analysis of the activity and the results of Crédit Agricole S.A.’s divisions and business lines

Activity of the Asset Gathering division

In the first quarter of 2025, the assets under management of the Asset gathering (AG) division stood at €2,878 billion, up +€11 billion over the quarter (i.e. +0.4%), mainly due to positive net inflows in the three insurance, asset management, and wealth management businesses, offset by an unfavourable market and foreign exchange impact effect over the period. Over the year, assets under management rose by +8.7%.

Insurance activity (Crédit Agricole Assurances) was very strong, with total premium income of €14.8 billion, up +20.7% compared to the first quarter of 2024 and up in all three segments: savings/retirement, property and casualty, and death & disability/creditor/group insurance.

In Savings/Retirement, first quarter 2025 premium income stood at €10.8 billion, up +27% compared to the first quarter of 2024. Activity was driven by the success of euro payment bonus campaigns in France (full effect of commercial events over the quarter), which boosted gross euro inflows. As a result, unit-linked rate in gross inflows is down -4.7 percentage points over the year at 34.3%¹⁹.The quarter’s record net inflows totalled +€4.0 billion (up +€1.5 billion compared to the fourth quarter of 2024), comprised of +€2.0 billion net inflows from unit-linked contracts and +€1.9 billion from euro funds.

Assets under management (savings, retirement and funeral insurance) continued to grow and came to €352.4 billion (up +€17.5 billion year-on-year, or +5.2%). The growth in outstandings was driven by the very high level of quarterly net inflows and favourable market effects. Unit-linked contracts accounted for 30% of outstandings, up +0.5 percentage point compared to the end of March 2024.

In property and casualty insurance, premium income stood at €2.6 billion in the first quarter of 2025, up +8%²⁰ compared to the first quarter of 2024. Growth stemmed from a price effect, with the increase in the average premium benefiting from revised rates and changes in the product mix, and a volume effect, with a portfolio of over €16.8 million²¹ policies at the end of March 2025 (an increase of +5% over the year). Lastly, the combined ratio at the end of March 2025 stood at 93.2%²², an improvement of -0.6 percentage point year-on-year.

In death & disability/creditor insurance/group insurance, premium income for the first quarter of 2025 stood at €1.4 billion, up +4% compared to the first quarter of 2024. The strong year-on-year activity was driven by an excellent quarter in group insurance (+24% compared to the first quarter of 2024) due to the entry into effect of the collective health contract with the Ministry of Agriculture and Food Sovereignty²³. Creditor (+2%) and individual death & disability (+3%) activities were resilient.

In Asset Management (Amundi), assets under management by Amundi increased by +0.3% and +6.2% respectively over the quarter and the year, reaching a new record of 2,247 billion at the end of March 2025, benefiting from a high level of inflows over 12 months (+€70 billion), and despite a significantly negative foreign exchange impact this quarter (-€26 billion). Over the quarter, net inflows in asset management (Amundi) stood at +€31.1 billion, driven by a record quarterly inflow of medium-long term assets²⁴(+€37 billion). This good performance is illustrated in particular by the continued dynamic in the strategic aeras (ETF +€10 billion, Third Party Distribution +€8 billion, Asia +€8 billion). In the institutional segment, net inflows of €22.4 billion over the quarter continued their strong commercial activity, driven by medium-long term assets, mainly the acquisition of a large ESG equity index mandate with The People’s Pension in the United Kingdom (+€21 billion). In return, Corporates recorded a seasonal outflow in treasury products. Finally, JVs posted a net inflow of €2.9 billion over the period, with good inflows in Korea, stabilisation in China and an outflow in India related to the end of the financial year and the local market correction from the fourth quarter of 2024. Furthermore, the finalisation of the partnership with Victory Capital was announced on 1 April 2025.

In Wealth management, total assets under management (CA Indosuez Wealth Management and LCL Private Banking) amounted to €278 billion at the end of March 2025, and were up +41.3% compared to March 2024 and stable compared to December 2024.

For Indosuez Wealth Management, outstandings at the end of March stood at €213 billion²⁵, down -0.7% compared to end-December 2024. Despite activity remaining positive with positive net inflows of €0.8 billion, the market and foreign exchange impact for the quarter was unfavourable by -€2 billion. Compared to the end of March 2024, assets under management were up by +€80 billion (or +60.2%), taking into account a scope effect of €69 billion (integration of Degroof Petercam in June 2024). The announcement on 4 April 2025 of the planned acquisition of Banque Thaler in Switzerland is also noteworthy.

Results of the Asset Gathering division

In the first quarter of 2025, the Asset Gathering division generated €2,058 million in revenues, up +15.0% compared to the first quarter of 2024, driven by all the division’s business lines. Expenses increased +24.1% to -€936 million and gross operating income came to €1,123 million, +8.4% compared to first quarter of 2024. The cost/income ratio for the first quarter of 2025 stood at 45.5%, up +3.3 percentage points compared to the same period in 2024. As a result, pre-tax income increased by +8.2% to €1,139 million in the first quarter of 2025. Net income Group share recorded a drop of 5%, taking into account corporate tax additional charge in France.

In the first quarter of 2025, the Asset Gathering division contributed by 35% to the net income Group share of the Crédit Agricole S.A. core businesses and 28% to revenues (excluding the Corporate Centre division).

As at 31 March 2025, equity allocated to the division amounted to €13.4 billion, including €10.8 billion for Insurance, €1.8 billion for Asset Management, and €0.8 billion for Wealth Management. The division’s risk-weighted assets amounted to €51.7 billion, including €24.3 billion for Insurance, €19.2 billion for Asset Management and €8.2 billion for Wealth Management.

Insurance results

In first quarter 2025, insurance revenues stood at €727 million, a slight increase of +0.7% compared to the first quarter of 2024, supported by Savings/Retirement (related to the increase in outstandings) and property and casualty insurance, offsetting a narrowing of technical margins in Creditor insurance combined with methodological effects. Revenues for the quarter included €505 million from savings/retirement and funeral insurance²⁶, €103 million from personal protection²⁷ and €122 million from property and casualty insurance²⁸.

The Contractual Service Margin (CSM) totalled €25.8 billion at the end of March 2025, an increase of +2% compared to the end of December 2024.

Non-attributable expenses for the quarter stood at -€96 million, up +4.7% over the first quarter of 2024. As a result, gross operating income reached €632 million, stable (+0.1%) compared to the same period in 2024. Net pre-tax income was stable, amounting to €631 million. Excluding the effect of replacing Tier 1 debt with Tier 2 debt in September 2024²⁹, it was up by +2%. For the same reason, non-controlling interests amounted to -€3 million compared to -€14 million in the first quarter of 2024, due to the inclusion of accounting items on the redemption of Tier 1 instruments²⁹. Net income Group share stood at €439 million, down -11.0% compared to the first quarter of 2024, taking into account the corporate tax additional charge in France.

Insurance contributed 23% to the net income Group share of Crédit Agricole S.A.’s business lines (excluding the Corporate Centre division) at end-March 2025 and 10% to their revenues (excluding the Corporate Centre division).

Asset Management results

In the first quarter of 2025, revenues amounted to €892 million, showing double-digit growth of +11.0% compared to the first quarter of 2024. Net management fee and commission income showed a sustained increase of +7.7% on the first quarter of 2024 in a context of market appreciation. Performance fee and commission income was also up by +30.7% compared to the first quarter of 2024. Amundi Technology’s revenues continued their sustained growth and increased by +46.2% compared to the first quarter of 2024, thanks to the integration of aixigo, a European leader in Wealth Tech, whose acquisition was finalised in November 2024, amplifying organic growth, which remained strong (+21%). Operating expenses amounted to -€496 million, up +10.6% compared to the first quarter of 2024. They include the scope effects related to Alpha Associates and aixigo, as well as the integration costs related to Victory Capital. Apart from these effects, expenses increased by +6.3% over the period. The cost/income ratio at 55.6%, is down -0.2 percentage points despite Victory Capita^l³⁰ integration costs. Restated from the latter, the cost/income ratio stood at 54.8%. Gross operating income stood at €396 million, an increase of +11.6% compared to the first quarter of 2024. The contribution of equity-accounted entities, including the contribution of Amundi’s Asian joint ventures, amounted to €28 million, down slightly compared to the first quarter of 2024. Consequently, pre-tax income came to €419 million, a +9.3% increase compared to the first quarter of 2024. Net income Group share stood at €183 million, down -7.3% compared to the first quarter of 2024, taking into account the impact of the corporate tax additional charge in France.

Wealth Management results³¹

In the first quarter of 2025, revenues from wealth management amounted to €439 million, up +66.4% compared to the first quarter of 2024, benefiting from the impact of the integration of Degroof Petercam in June 2024³². Apart from this effect, revenues were supported by the strong activity of transactional fee and commission income, and the net interest margin held up well over the period. Expenses for the quarter amounted to -€344 million, up +60.7% compared to the first quarter of 2024, impacted by a Degroof Petercam scope effect³² and -€13 million in integration costs. Restated for these impacts, growth in expenses was stable compared to the first quarter of 2024. The cost/income ratio for the first quarter of 2025 stood at 78.4%, down -2.8 percentage points compared to the same period in 2024. Restated for integration costs, it amounted to 75.5%. Gross operating income reached €95 million, up sharply (+91.3%) compared to the first quarter of 2024. Cost of risk remained moderate at -€6 million. Net income Group share reached €58 million, up sharply (x 2.3) compared to the first quarter of 2024.

Wealth Management contributed 3% to the net income Group share of Crédit Agricole S.A.’s business lines (excluding the Corporate Centre division) at end-March 2025 and 6% of their revenues (excluding the Corporate Centre division).

At 31 March 2025, equity allocated to Wealth management was €0.8 billion and risk-weighted assets totalled €8.2 billion.

Activity of the Large Customers division

The large customers division posted good activity in the first quarter of 2025, thanks to very good performance from Corporate and Investment banking (CIB) and strong activity in asset servicing.

Corporate and Investment Banking’s first quarter 2025 revenues rose sharply to €1,887 million, an increase of +7.3% compared to the first quarter of 2024, driven by growth in its two business lines. Capital Markets and Investment Banking grew its revenues to €1,017 million, an increase of +10.0% compared with the first quarter of 2024. This was fuelled by new growth in revenues across all Capital Market activities (+5.9% compared to the first quarter of 2024) in a context of high volatility, and by the good level of activity in Investment Banking (+31.6% compared to the first quarter of 2024) thanks to the good dynamics of Structured Equities activities. Financing activity revenues were also up at €870 million, an increase of +4.4% relative to the first quarter of 2024. This was mainly due to the performance of Commercial Banking (+1.7% compared to the first quarter of 2024), driven by the performance of assets financing and project financing, particularly in Green Energy and Aerospace, and by Trade and Export Finance activities. The structured finance activity also recorded an increase in revenues of +9.4% compared to the first quarter of 2024.

Financing activities consolidated its leading position in syndicated loans (#1 in France³³ and #2 in EMEA³³). Crédit Agricole CIB reaffirmed its strong position in bond issues (#2 All bonds in EUR Worldwide³³) and was ranked #1 in Green, Social & Sustainable bonds in EUR³⁴. Average regulatory VaR stood at €10.5 million in the first quarter of 2025, up slightly from €9.5 million in the fourth quarter of 2024, reflecting changes in positions and financial markets. It remained at a level that reflected prudent risk management.

For Asset servicing, business growth was supported by strong commercial activity and favourable market effects, which offset the planned exit of ISB customers.

Assets under custody (AuC) rose by +3.3% at end-March 2025 compared to end-December 2024, up +9.0% from end-March 2024, to reach €5,467 billion. Assets under administration also increased by +5.3% this quarter and were up +4.7% year-on-year, totalling €3,575 billion at end-March 2025.

Results of the Large Customers division

In the first quarter of 2025, revenues of the Large Customers division once again reached a record level, with €2,408 million, up +6.3% compared with the first quarter of 2024, buoyed by an excellent performance in the Corporate and Investment Banking and Asset Servicing business lines.

Operating expenses increased by +4.9% due to IT investments and business line development. As a result, the division’s gross operating income was up +8.2% from the first quarter of 2024 to €1,048 million. The business line recorded a net reversal in the cost of risk of +€25 million, compared to a reversal of +33 million in the first quarter of 2024. Pre-tax income amounted to €1,078 million, up +7.2% compared to the first quarter of 2024. The tax charge stood at -€305 million in the first quarter of 2025, taking into account the additional corporate income tax charge. Finally, net income Group share totalled €723 million in the first quarter of 2025, stable (+0.2%) compared to the first quarter of 2024.

The business line contributed 38% to the net income Group share of Crédit Agricole S.A.’s core businesses (excluding the Corporate Centre division) at end-March 2025 and 33% to revenues excluding the Corporate Centre.

At 31 March 2025, the equity allocated to the division was €13.5 billion and its risk-weighted assets were €141.7 billion.

Corporate and Investment Banking results

In the first quarter of 2025, Corporate and Investment Banking revenues reached a record of €1,887 million, up +7.3% compared to the first quarter of 2024. This was the best quarter recorded for Corporate and Investment Banking.

Operating expenses rose by +7.5% to -€992 million, mainly due to IT investments and the development of business line activities. Gross operating income rose sharply by +7.1% compared to the first quarter 2024, taking it to a high level of +€895 million. The cost/income ratio was stable at 52.6% (+0.1 percentage point over the period). The cost of risk recorded a net reversal of +€24 million, notably related to new synthetic securitisation transactions. Lastly, pre-tax income in the first quarter of 2025 stood at €919 million, up +5.3% compared to the first quarter of 2024. Finally, net income Group share recorded a decrease of -0.5%, impacted by the additional corporate tax charge, to reach €648 million in the first quarter of 2025.

Asset servicing results

In the first quarter of 2025, the revenues of Asset Servicing were up +2.7% compared to the first quarter of 2024, standing at €522 million. This increase was driven by the favourable evolution of the net interest margin and fee and commission income on flow activities and transactions. Operating expenses were down by -1.6% to
-€368 million, due to the decrease in ISB integration costs compared to the first quarter of 2024³⁵. Apart from this effect, expenses were up slightly pending the acceleration of synergies. As a result, gross operating income was up by +14.7 and stood at €153 million in the first quarter of 2025. The cost/income ratio for the first quarter of 2025 stood at 70.6%, down -3.1 percentage points compared to the same period in 2024. Consequently, pre-tax income was up by +19.1% and stood at €160 million in the first quarter of 2025. Net income Group share recorded an increase of +6% taking into account the additional corporate tax charge.

Specialised financial services activity

The commercial production of Crédit Agricole Personal Finance & Mobility (CAPFM) totalled €11.0 billion in the first quarter of 2025. It was down by -6.4% compared to the first quarter of 2024, related to the economic context negatively impacting the automotive market in Europe and China. The share of automotive financing³⁶ in quarterly new business production stood at 48.5%. The average customer rate for production was up slightly by +3 basis points from the fourth quarter of 2024. As a result, CAPFM’s assets under management stood at €120.7 billion at end-March 2025, up +5.6% compared to end-March 2024, driven by all scopes: Automotive +8.6%³⁷, LCL and Regional Bank +4.4%, Other Entities +3.0%. Automotive benefited from the consolidation of GAC Leasing this quarter as well as the development of car rental activities. Lastly, consolidated outstandings totalled €68.7 billion at end-March 2025, up 0.8% compared to the first quarter of 2024.

Crédit Agricole Leasing & Factoring (CAL&F) commercial production increased by +3.0% in leasing, compared to the first quarter of 2024. This was driven by property leasing and renewable energy financing in France. Leasing outstandings rose +5.7% year-on-year, both in France (+4.5%) and internationally (+10.6%), to reach €20.5 billion at end-March 2025 (of which €16.1 billion in France and €4.4 billion internationally). Commercial production in factoring was down by -5.1% compared to the first quarter of 2024; International sales were down -31.6% due to a base effect linked to Germany, which recorded significant deals in the first quarter of 2024; France was up +16%, benefiting from significant contracts this quarter. Factoring outstandings at end-March 2025 were up +14.4% compared to end-March 2024, and factored revenues were up by +5.4% compared to the same period in 2024.

Specialised financial services’ results

The revenues of the Specialised Financial Services division were €868 million in the first quarter of 2025, up +2.6% compared to the first quarter of 2024. Expenses stood at -€474 million, up +4.4% compared to the first quarter of 2024. The cost/income ratio stood at 54.5%, up +0.9 percentage points compared to the same period in 2024. Gross operating income thus came to €395 million, up +0.6% compared to the first quarter of 2024. Cost of risk amounted to -€249 million, up +13.8% compared to the third quarter of 2024. The results of equity-accounted entities amounted to €36 million, up +18.5% compared to the first quarter of 2024; restated for non-recurring items from the first quarter of 2025 for €12 million, it was down -21.0%. Pre-tax income for the division amounted to €182 million, down -10.6% compared to the same period in 2024. Net income Group share includes the corporate tax additional charge in France and amounted to €148 million, up +4.1% compared to the same period in 2024.

The business line contributed 8% to the net income Group share of Crédit Agricole S.A.’s core businesses (excluding the Corporate Centre division) at end-March 2025 and 12% to revenues excluding the Corporate Centre.

At 31 March 2025, the equity allocated to the division was €7.5 billion and its risk-weighted assets were €79.0 billion.

Personal Finance and Mobility results

CAPFM revenues reached €683 million in the first quarter of 2025, up +2.0% compared to the first quarter of 2024, with a positive price effect thanks in particular to the production margin rate, which improved by +32 basis points in the first quarter of 2025 compared to the first quarter of 2024 (up +9 basis points compared to the fourth quarter of 2024). Expenses amounted to -€370 million, an increase of +4.3% due to employee expenses and IT expenses and compared to the first quarter of 2024, which was low. Gross operating income therefore stood at €313 million, stable compared to the first quarter of 2024 (-0.5%). The cost/income ratio stood at 54.2%, up +1.2 percentage points compared to the same period in 2024. The cost of risk stood at -€225 million, up +13.0% from the first quarter of 2024. The cost of risk/outstandings thus stood at 130 basis points³⁸, a deterioration of +13 basis points compared to the first quarter of 2024, especially in international subsidiaries. The Non-Performing Loans ratio was 4.5% at the end of March 2025, down -0.2 percentage point compared to the end of December 2024, while the coverage ratio reached 73.5%, up +0.3 percentage points compared to the end of December 2024. The contribution from equity-accounted entities rose by +18.1% compared to the same period in 2024. Restated for non-recurring items from the first quarter of 2025 for €12 million, the results for equity-accounted entities dropped by -19.3% in connection with the Chinese market. Pre-tax income amounted to €126 million, down -14.3% compared to the same period in 2024. The net income Group share includes the corporate tax additional charge in France and reached €106 million, up +7.5% compared to the previous year.

Leasing & Factoring results

CAL&F’s revenues totalled €185 million, up +4.8% compared to the first quarter 2024. This increase was driven by equipment leasing and factoring. Expenses stood at -€104 million, up +4.6% in connection with the growth of the system, and the cost/income ratio stood at 56.0%, an improvement of -0.1 percentage point compared to the first quarter of 2024. Gross operating income stood at €82 million, up +5.0% compared to the first quarter of 2024. Cost of risk totalled -€24 million, up +21.5% compared to the same period in 2024. This rise was due to the small business and SME markets. Cost of risk/outstandings stood at 25 basis points³⁸, up +3 basis points compared to first quarter 2024. Pre-tax income amounted to €56 million, stable (-0.7%) compared to the same period in 2024. Net income Group share includes the corporate tax additional charge in France and amounted to €42 million, down -3.7% compared to the previous year.

Crédit Agricole S.A. Retail Banking activity

In retail banking at Crédit Agricole S.A. this quarter, loan production in France continued its upturn compared to the first half of 2024 and the dynamic momentum continues in Italy. The number of customers with insurance is progressing.

Retail banking activity in France

In the first quarter of 2025, activity remained steady, albeit with a slowdown in property loans compared to the previous quarter and a stability in inflows and non-remunerated demand deposits over the quarter. Customer acquisition remained dynamic, with 67,000 new customers this quarter.

The equipment rate for car, multi-risk home, health, legal, all mobile phones or personal accident insurance rose by +0.2 percentage points to stand at 28.0% at end-March 2025.

Loan production totalled €6.7 billion, representing a year-on-year increase of +32%. The first quarter of 2025 recorded a slowdown in the production of property loans(+46% compared to the first quarter of 2024 and -34% compared to the fourth quarter of 2024), partially due to the seasonal effect. The average production rate for home loans came to 3.18%, down -6 basis points from the fourth quarter of 2024 and -102 basis points year on year. The home loan stock rate improved by +5 basis points over the quarter and by +19 basis points year on year. The strong momentum continued in the corporate market (+49% year on year) and the small business market (+6.4% year on year) but slowed for the consumer credit segment (-10.3%), in a challenging economic environment.

Outstanding loans stood at €171 billion at end-March 2025, stable over the quarter and increasing by +1.6% year-on-year (of which +1.7% for home loans, +1.1% for loans to professionals, +2.0% for loans to corporates). Customer assets totalled €256.5 billion at end-March 2025, up +2.2% year on year, driven by interest-earning deposits and off-balance sheet funds. Over the quarter, customer assets were also up by +0.6%, including term deposits by +0.9%, in an environment that remains uncertain. Off-balance sheet deposits benefited from a positive year-on-year (unfavourable in the quarter) market effect across all segments and positive net inflows in life insurance.

Retail banking activity in Italy

In the first quarter of 2025, CA Italia posted gross customer capture of 53,000.

Loan outstandings at CA Italia stood at €61.1 billion at end-March 2025³⁹, up +1.6% compared with end-March 2024, in a stable Italian market⁴⁰, driven by the retail segment, which posted an increase in outstandings of +3.0%, and with a stable corporate segment. The loan stock rate was down -34 basis points compared to the fourth quarter of 2024, in line with the evolution in market rates. Loan production, buoyed by the solid momentum in all markets, rose +19.2% compared with the first quarter of 2024.

Customer assets at end-March 2025 totalled €118.2 billion, up +1.7% compared with end-March 2024; on-balance sheet deposits were down -2.1% compared to end-March 2024, while the cost of on-balance sheet deposits decreased. Finally, off-balance sheet deposits increased by +6.5% over the same period and benefited from net flows and a positive market effect.

CA Italia’s equipment rate in car, multi-risk home, health, legal, all mobile phones or personal accident insurance exceeded 20.0%, at 20.3%, up +1.0 percentage point compared with the first quarter of 2024.

International Retail Banking activity excluding Italy

For International Retail Banking excluding Italy, loan outstandings were €7.4 billion, up +5.8% at current exchange rates at end-March 2025 compared with end-March 2024 (+4.7% at constant exchange rates). Customer assets rose by +€12 billion and were up +11.1% over the same period at current exchange rates (+11.5% at constant exchange rates).

In Poland in particular, loan outstandings increased by +3.6% compared to end-March 2024 (+0.7% at constant exchange rates) driven by the retail segment and on-balance sheet deposits of +17.0% (+13.8% at constant exchange rates). Loan production in Poland was stable this quarter compared to the first quarter of 2024 (+3.4% at current exchange rates and +0.3% at constant exchange rates). In addition, gross customer capture in Poland reached 64,000 new customers this quarter.

In Egypt, commercial activity was strong in all markets. Loan outstandings rose +19.7% between end-March 2025 and end-March 2024 (+27.8% at constant exchange rates). Over the same period, on-balance sheet deposits increased by +5.4%% and were up +12.5% at constant exchange rates.

Liquidity is still very strong with a net surplus of deposits over loans in Poland and Egypt amounting to +€2.3 billion at 31 March 2025, and reached €3.9 billion including Ukraine.

French retail banking results

In the first quarter of 2025, LCL revenues amounted to €963 million, up (+1.0%) compared to the first quarter of 2024. The increase in fee and commission income (+3.6% Q1/Q1) was driven by all activities (excluding securities management), but mainly by strong momentum in insurance (life and non-life). NIM is down by -1.7% Q1/Q1 and benefited from the increase in credit yields (stock repricing +19 bp Q1/Q1 and +5 bp Q1/Q4) and the reduction in the cost of resources, making it possible to mitigate the lower contribution of macro-hedging.

Expenses are up by +3.8% and stood at -€625 million linked to the acceleration of investments (IT and employee expenses). The cost/income ratio stood at 64.9%, an increase by 1.8 percentage point compared to first quarter 2024. Gross operating income fell by -3.9% to €338 million.

The cost of risk was down -22.9% compared to the first quarter of 2024 and stood at -€92 million (including a provision of -€95 million on proven risk and a recovery of €3 for contingent liabilities). The cost of risk/outstandings therefore stood at 20 basis points, with its level still high on the professional market. The coverage ratio stood at 63.0% at end-March 2025 (+0.4 percentage points compared to end-December 2024). The Non-Performing Loans ratio reached 2.0% at the end of March 2025, stable compared to the end of December 2024.

In the end, pre-tax income stood at €247 million, up +5.3% compared to the first quarter of 2024, and net income Group share was down -25.6% compared to the first quarter 2024, impacted by the corporate income tax.

In the end, the business line contributed 7% to the net income Group share of Crédit Agricole S.A.’s core businesses (excluding the Corporate Centre division) in the first quarter of 2025 and 13% to revenues excluding the Corporate Centre division.

At 31 March 2025, the equity allocated to the business line stood at €5.1 billion and risk-weighted assets amounted to €53.9 billion.

International Retail Banking results⁴¹

In the first quarter of 2025, revenues for International Retail Banking totalled €1,025 million, down compared with the fourth quarter of 2024 (-3.0% at current exchange rates, -0.7% at constant exchange rates). Operating expenses were under control at -€515 million, an increase of +1.8% (+2.6% at constant exchange rates). Gross operating income consequently totalled €511 million, down -7.5% (-3.9% at constant exchange rates) for the period. Cost of risk amounted to -€66 million, down -18.9% compared to first quarter 2024 (-19.0% at constant exchange rates).

All in all, net income Group share for CA Italia, CA Egypt, CA Poland and CA Ukraine amounted to €246 million in the first quarter of 2025, down -4.3% (and stable at -0.4% at constant exchange rates).

At 31 March 2025, the capital allocated to International Retail Banking was €4.1 billion and risk-weighted assets totalled €43.4 billion.

Results in Italy

In the first quarter of 2025, Crédit Agricole Italia revenues stood at €777 million, stable (+0.3%) compared to the first quarter of 2024. The decrease in net interest margin (-5.8% compared to the first quarter of 2024) is offset by the increase in fee and commission income (+7.4% compared to the first quarter of 2024), which was driven by fee and commission income on assets under management (+11.6% compared to the first quarter of 2024). Operating expenses were -€384 million, contained and stable at +0.5% over the first quarter of 2024.

Cost of risk amounted to -€56 million in first quarter 2025, down -7.9% compared to first quarter 2024, and corresponded almost entirely to provisions for proven risk. Cost of risk/outstandings⁴² stood at 39 basis points, up 1 basis point compared to the fourth quarter of 2024. The NPL ratio stood at 2.8%, improved compared to the fourth quarter of 2024, while the coverage ratio stood at 77.9% (+2.8 percentage points compared to the fourth quarter of 2024). Net income Group share for CA Italia was therefore €178 million, stable (-0.8%) compared to the first quarter of 2024.

International Retail Banking results – excluding Italy

In the first quarter of 2025, revenues for International Retail Banking excluding Italy totalled €248 million, down -12.2% (+3.9% at constant exchange rates) compared to the first quarter of 2024. Revenues in Poland were up +8.6% compared to the first quarter of 2024 (+5.3% at constant exchange rates), with a higher net interest margin. Revenues in Egypt were down -35.7% (-13.2% at constant exchange rates) with a base effect related to the exceptional foreign exchange activity of the first quarter of 2024, but benefited from an increased net interest margin. Operating expenses for International Retail Banking excluding Italy amounted to €131 million, up +5.8% compared to the first quarter of 2024 (+9.4% at constant exchange rates) due to the effect of employee expenses and taxes in Poland as well as employee expenses and inflation in Egypt. Gross operating income amounted to €117 million, down -26.3% (+15.3% at constant exchange rates) compared to the first quarter of 2024. The cost of risk remained contained at -€10 million, versus -€21 million in the first quarter of 2024. Furthermore, at end-March 2025, the coverage ratio for loan outstandings remained high in Poland and Egypt, at 122% and 144% respectively. In Ukraine, the local coverage ratio remains prudent (450%). All in all, the contribution of International Retail Banking excluding Italy to net income Group share was €67 million, down -12.4% compared with the first quarter of 2024 at current exchange rates and stable at constant exchange rates (+0.8%).

At 31 March 2025, the entire Retail Banking business line contributed 19% to the net income Group share of Crédit Agricole S.A.’s core businesses (excluding the Corporate Centre division) and 27% to revenues excluding the Corporate Centre.

At 31 March 2025, the division’s equity amounted to €9.2 billion. Its risk-weighted assets totalled €97.2 billion.

Corporate Centre results

The net income Group share of the Corporate Centre was -€102 million in first quarter 2025, up +€5 million compared with first quarter 2024. The positive contribution of the Corporate Centre division can be analysed by distinguishing between the “structural” contribution (-€55 million) and other items (-€48 million).
The contribution of the “structural” component (-€55 million) was up by +€52 million compared with the first quarter of 2024 and can be broken down into three types of activity:

The activities and functions of the Corporate Centre of the Crédit Agricole S.A. Parent Company. This contribution was -€315 million in the first quarter of 2025, down -€20 million, mainly explained by the accounting of the IFRIC tax in a single payment this quarter, whereas it had been spread over two quarters last year

The business lines that are not part of the core businesses, such as CACIF (private equity), CA Immobilier, CATE and BforBank (equity-accounted). Their contribution, at +€252 million in the first quarter of 2025, was up +€67 million compared to the first quarter of 2024, including a positive impact of the revaluation of Banco BPM shares.
Group support functions. Their contribution amounted to +€9 million this quarter (+€4 million compared with first quarter 2024).

The contribution from “other items” amounted to -€48 million, down -€47 million compared to the first quarter of 2024, mainly explained by a negative variance related to ESTER/BOR volatility.

At 31 March 2025, risk-weighted assets stood at €35.1 billion.

Financial strength

Crédit Agricole Group has the best level of solvency among European Global Systemically Important Banks.

Capital ratios for Crédit Agricole Group are well above regulatory requirements. At 31 March 2025, the phased Common Equity Tier 1 ratio (CET1) for Crédit Agricole Group stood at 17.6%, or a substantial buffer of 780 basis points above regulatory requirements. The change in the CET1 ratio over the quarter is explained by the impacts of (a) +56 basis points linked to CRR3 impact (b) +25 basis points linked to retained earnings, (c) -17 bp related to the organic growth of the business lines and (d) -17 basis points for methodological effects, M&A and other effects, taking into account in the -9 basis points of the latest IFRS 9 phasing and -8 basis points related to the purchase of shares in Crédit Agricole S.A.

Crédit Agricole S.A., in its capacity as the corporate center of the Crédit Agricole Group, fully benefits from the internal legal solidarity mechanism as well as the flexibility of capital circulation within the Crédit Agricole Group. The phased-in CET1 capital ratio stood at 12.1% at 31 March 2025, or a buffer of 350 basis points above regulatory requirements. The change in the CET1 ratio over the quarter is explained by the impacts of (a) +44 basis points linked to CRR3 impact (b) +21 basis points linked to retained earnings, (c) -9 bp related to the organic growth of the business lines and (d) -10 basis points for methodological effects, M&A and other effects, taking into account in the -5 basis points of the latest IFRS 9 phasing. Including M&A transactions completed after March 31, 2025 and the estimated impact from the crossing of the exemption threshold in Q2 2025, the proforma CET1 ratio would be 11.8%.

The breakdown in risk weighted assets for Crédit Agricole S.A. by business line resulted from the combined effects of (a) -€12.9 billion related to the impact of CRR3 and, excluding this effect, (b) -€0.2 billion in the Retail Banking divisions, (c) +€1.4 billion in Asset Gathering, in particular in connection with the increase in the Equity Accounted Value of insurance (d) +€1.9 billion in specialized financial services, (e) -€0.8 billion in Large Customers and (f) +€0.1 billion in Corporate Center.

For the Crédit Agricole Group, the impact of CRR3 was -€18.2 billion and the increase in risk weighted assets at the Retail Banking divisions was +€1.3 billion excluding the CRR3 effect. The evolution of the other businesses follows the same trend as for Crédit Agricole S.A.

Crédit Agricole Group’s financial structure

	Crédit Agricole Group			Crédit Agricole S.A.
	*31/03/25*	*31/12/24*	Requirements 31/03/25	*31/03/25*	*31/12/24*	Requirements 31/03/25
Phased-in CET1 ratio⁴³	17.6%	17.2%	9.8%	12.1%	11.7%	8.6%
Tier1 ratio⁴³	19.0%	18.3%	11.7%	14.3%	13.4%	10.4%
Total capital ratio⁴³	21.8%	20.9%	14.1%	18,4%	17.4%	12.8%
Risk-weighted assets (€bn)	641	653		405	415
Leverage ratio	5.6%	5.5%	3.5%	4.0%	3.9%	3.0%
Leverage exposure (€bn)	2,173	2,186		1,434	1,446
TLAC ratio (% RWA) ⁴³^,⁴⁴	28.5%	26.9%	22,32%
TLAC ratio (% LRE)⁴⁴	8.4%	8.0%	6.75%
Subordinated MREL ratio (% RWA) ⁴³	28.5%	26.9%	22.57%
Subordinated MREL ratio (% LRE)	8.4%	8.0%	6.25%
Total MREL ratio (% RWA) ⁴³	34.0%	32.4%	26.33%
Total MREL ratio (% LRE)	10.0%	9.7%	6.25%
Distance to the distribution restriction trigger (€bn)⁴⁵	46	43		14	12

For Crédit Agricole S.A., the distance to the trigger for distribution restrictions is the distance to the MDA trigger⁴⁵, i.e. 354 basis points, or €14 billion of CET1 capital at 31 March 2025. Crédit Agricole S.A. is not subject to either the L-MDA (distance to leverage ratio buffer requirement) or the M-MDA (distance to MREL requirements).

For Crédit Agricole Group, the distance to the trigger for distribution restrictions is the distance to the L-MDA trigger at 31 March 2025. Crédit Agricole Group posted a buffer of 210 basis points above the L-MDA trigger, i.e. €46 billion in Tier 1 capital.

At 31 March 2025, Crédit Agricole Group’s TLAC and MREL ratios are well above requirements⁴⁴. Crédit Agricole Group posted a buffer of 590 basis points above the M-MDA trigger, i.e. €38 billion in CET1 capital. At this date, the distance to the M-MDA trigger corresponded to the distance between the subordinated MREL ratio and the corresponding requirement. The Crédit Agricole Group’s 2025 target is to maintain a TLAC ratio greater than or equal to 26% of RWA excluding eligible senior preferred debt.

Liquidity and Funding

Liquidity is measured at Crédit Agricole Group level.

As of 31 December 2024, changes have been made to the presentation of the Group’s liquidity position (liquidity reserves and balance sheet, breakdown of long term debt). These changes are described in the 2024 Universal Registration Document.

Diversified and granular customer deposits remain stable compared to December 2024 (€1,148 billion at end-March 2025).

The Group’s liquidity reserves, at market value and after haircuts⁴⁶, amounted to €487 billion at 31 March 2025, up +€14 billion compared to 31 December 2024.

Liquidity reserves covered more than twice the short term debt net of treasury assets.

This increase in liquidity reserves is notably explained by:

The increase in the securities portfolio (HQLA and non-HQLA) for +€6 billion;
The increase in collateral already pledged to Central Banks and unencumbered for +€5 billion, including a €2 billion increase in self-securitisations;
The increase in central bank deposits for €3 billion.

Crédit Agricole Group also continued its efforts to maintain immediately available reserves (after recourse to ECB financing). Central bank eligible non-HQLA assets after haircuts amounted to €144 billion.

Standing at €1,691 billion at 31 March 2025, the Group’s liquidity balance sheet shows a surplus of stable funding resources over stable application of funds of €197 billion, up +€20 billion compared with end-December 2024. This surplus remains well above the Medium-Term Plan target of €110bn-€130bn.

Long term debt was €315 billion at 31 March 2025, up compared with end-December 2024. This included:

Senior secured debt of €89 billion, up +€5 billion;
Senior preferred debt of €162 billion, up +€3 billion due to the increase in entities’ issuances;
Senior non-preferred debt of €40 billion, up +€3 billion due to the MREL/TLAC eligible debt;
And Tier 2 securities of €24 billion, down -€1 billion.

Credit institutions are subject to a threshold for the LCR ratio, set at 100% on 1 January 2018.

At 31 March 2025, the average LCR ratios (calculated on a rolling 12-month basis) were 139% for Crédit Agricole Group (representing a surplus of €92 billion) and 144% for Crédit Agricole S.A. (representing a surplus of €89 billion). They were higher than the Medium-Term Plan target (around 110%).

In addition, the NSFR of Crédit Agricole Group and Crédit Agricole S.A. exceeded 100%, in accordance with the regulatory requirement applicable since 28 June 2021 and above the Medium-Term Plan target (>100%).

The Group continues to follow a prudent policy as regards medium-to-long-term refinancing, with a very diversified access to markets in terms of investor base and products.

At 31 March 2025, the Group’s main issuers raised the equivalent of €15.6 billion⁴⁷in medium-to-long-term debt on the market, 82% of which was issued by Crédit Agricole S.A.

In particular, the following amounts are noted for the Group excluding Crédit Agricole S.A.:

Crédit Agricole Assurances issued €750 million in RT1 Perpetual NC10.75 year;
Crédit Agricole Personal Finance & Mobility issued:
- €500 million in EMTN issuances through Crédit Agricole Auto Bank (CAAB);
- €420 million in securitisations through Agos;
Crédit Agricole Italia issued one senior secured debt issuance for a total of €1 billion;
Crédit Agricole next bank (Switzerland) issued two tranches in senior secured format for a total of 200 million Swiss francs, of which 100 million Swiss francs in Green Bond format.

At 31 March 2025, Crédit Agricole S.A. raised the equivalent of €11.2 billion through the market⁴⁸^,⁴⁹.

The bank raised the equivalent of €11.2 billion, of which €4.7 billion in senior non-preferred debt and €1.4 billion in Tier 2 debt, as well as €1.3 billion in senior preferred debt and €3.8 billion in senior secured debt at end-March. The financing comprised a variety of formats and currencies, including:

€1.75 billion⁵⁰^,⁵¹;
3.5 billion US dollars (€3.4 billion equivalent);
0.8 billion pounds sterling (€1 billion equivalent);
94.3 billion Japanese yen (€0.6 billion equivalent);
0.4 billion Singapore dollars (€0.3 billion equivalent);
0.6 billion Australian dollars (€0.4 billion equivalent).

At end-March, Crédit Agricole S.A. had issued 76%⁵²^,⁵³ of its funding plan in currencies other than the euro.

In addition, on 13 February 2025, Crédit Agricole S.A. issued a PerpNC10 AT1 bond for €1.5 billion at an initial rate of 5.875% and announced on 30 April 2025 the regulatory call exercise for the AT1 £ with £103m outstanding (XS1055037920) – ineligible, grandfathered until 28/06/2025 – to be redeemed on 30/06/2025.

The 2025 MLT market funding programme was set at €20 billion, with a balanced distribution between senior preferred or senior secured debt and senior non-preferred or Tier 2 debt.

The programme was 56% completed at 31 March 2025, with:

€3.8 billion in senior secured debt;
€1.3 billion equivalent in senior preferred debt;
€4.7 billion equivalent in senior non-preferred debt;
€1.4 billion equivalent in Tier 2 debt.

Appendix 1 – Credit Agricole Group : income statement by business line

Credit Agricole Group – Results by business line, Q1-25 and Q1-24

	Q1-25
€m	RB	LCL	IRB	AG	SFS	LC	CC	Total

Revenues	3,352	963	1,048	2,049	868	2,408	(640)	10,048
Operating expenses	(2,530)	(625)	(535)	(936)	(474)	(1,360)	468	(5,992)
Gross operating income	822	338	513	1,113	395	1,047	(172)	4,056
Cost of risk	(319)	(92)	(67)	(11)	(249)	25	(22)	(735)
Equity-accounted entities	6	–	–	28	36	6	–	75
Net income on other assets	3	1	(0)	(0)	0	0	0	4
Income before tax	511	247	445	1,130	182	1,078	(194)	3,399
Tax	(170)	(112)	(137)	(351)	(12)	(305)	46	(1,041)
Net income from discont’d or held-for-sale ope.	–	–	0	–	–	–	(0)	(0)
Net income	341	135	308	779	170	773	(148)	2,358
Non controlling interests	0	(0)	(42)	(101)	(21)	(36)	7	(193)
Net income Group Share	341	135	266	679	148	738	(141)	2,165

	Q1-24
€m	RB	LCL	IRB	AG	SFS	LC	CC	Total

Revenues	3,314	954	1,081	1,793	846	2,266	(728)	9,525
Operating expenses	(2,484)	(602)	(524)	(754)	(454)	(1,297)	527	(5,589)
Gross operating income	830	351	556	1,039	392	969	(201)	3,936
Cost of risk	(247)	(119)	(84)	(3)	(219)	33	(13)	(651)
Equity-accounted entities	5	–	–	29	30	4	–	68
Net income on other assets	2	2	(0)	(8)	(0)	0	(2)	(7)
Income before tax	589	234	472	1,056	203	1,006	(216)	3,347
Tax	(147)	(53)	(143)	(220)	(42)	(235)	85	(755)
Net income from discont’d or held-for-sale ope.	–	–	–	–	–	–	–	–
Net income	442	181	330	837	161	772	(131)	2,592
Non controlling interests	(0)	(0)	(51)	(112)	(19)	(34)	7	(208)
Net income Group Share	442	181	279	725	142	738	(123)	2,384

Appendix 2 – Credit Agricole S.A. : Income statement by business line

Crédit Agricole S.A. – Résults by business line, Q1-25 and Q1-24

	Q1-25
En m€	AG	LC	SFS	FRB (LCL)	IRB	CC	Total

Revenues	2,058	2,408	868	963	1,025	(67)	7,256
Operating expenses	(936)	(1,360)	(474)	(625)	(515)	(81)	(3,991)
Gross operating income	1,123	1,048	395	338	511	(148)	3,266
Cost of risk	(11)	25	(249)	(92)	(66)	(21)	(413)
Equity-accounted entities	28	6	36	–	–	(22)	47
Net income on other assets	(0)	0	0	1	(0)	0	1
Income before tax	1,139	1,078	182	247	444	(191)	2,900
Tax	(352)	(305)	(12)	(112)	(137)	92	(827)
Net income from discontinued or held-for-sale operations	–	–	–	–	0	–	0
Net income	787	774	170	135	308	(99)	2,073
Non controlling interests	(107)	(50)	(21)	(6)	(62)	(3)	(249)
Net income Group Share	680	723	148	129	246	(102)	1,824

	Q1-24
En m€	AG	LC	SFS	FRB (LCL)	IRB	CC	Total

Revenues	1,789	2,266	846	954	1,057	(107)	6,806
Operating expenses	(754)	(1,297)	(454)	(602)	(505)	(56)	(3,669)
Gross operating income	1,035	969	392	351	552	(163)	3,137
Cost of risk	(3)	33	(219)	(119)	(82)	(11)	(400)
Equity-accounted entities	29	4	30	–	–	(20)	43
Net income on other assets	(8)	0	(0)	2	(0)	–	(6)
Income before tax	1,053	1,006	203	234	470	(194)	2,773
Tax	(220)	(235)	(42)	(53)	(142)	82	(610)
Net income from discontinued or held-for-sale operations	–	–	–	–	–	–	–
Net income	834	772	161	181	328	(112)	2,163
Non controlling interests	(117)	(50)	(19)	(8)	(71)	5	(259)
Net income Group Share	716	722	142	173	257	(107)	1,903

Appendix 3 – Data per share

Credit Agricole S.A. – Earnings p/share, net book value p/share and RoTE

(€m)

Q1-2025
Q1-2024

Net income Group share

1,824
1,903

– Interests on AT1, including issuance costs, before tax

(129)
(138)

– Foreign exchange impact on reimbursed AT1

–
(247)

NIGS attributable to ordinary shares

[A]
1,695
1,518

Average number shares in issue, excluding treasury shares (m)

[B]
3,025
3,018

Net earnings per share

[A]/[B]
0.56 €
0.50 €

(€m)

31/03/2025
31/03/2024

Shareholder’s equity Group share

77,378
72,429

– AT1 issuances

(8,726)
(7,184)

– Unrealised gains and losses on OCI – Group share

1,222
1,021

– Payout assumption on annual results*

(3,327)
(3,181)

Net book value (NBV), not revaluated, attributable to ordin. sh.

[D]
66,546
63,086

– Goodwill & intangibles** – Group share

(17,764)
(17,280)

Tangible NBV (TNBV), not revaluated attrib. to ordinary sh.

[E]
48,783
45,807

Total shares in issue, excluding treasury shares (period end, m)

[F]
3,025
3,026

NBV per share , after deduction of dividend to pay (€)
+ Dividend to pay (€)

TNBV per share, after deduction of dividend to pay (€)

TNBV per sh., before deduct. of divid. to pay (€)

[D]/[F]
22.0 €
20.9 €

[H]
1.10 €
1.05 €

[G]=[E]/[F]
16.1 €
15.1 €

[G]+[H]
17.2 €
16.2 €

* dividend proposed to the Board meeting to be paid

** including goodwill in the equity-accounted entities

(€m)

Q1-25
Q1-24

Net income Group share

[K]
1,824
1,903

Impairment of intangible assets

[L]
0
0

Additional corporate tax

[LL]
-123
–

IFRIC

[M]
-173
-110

NIGS annualised (1)

[N]
8,111
7,944

Interests on AT1, including issuance costs, before tax, foreign exchange impact, annualised

[O]
-515
-799

Result adjusted

[P] = [N]+[O]
7,596
7,145

Tangible NBV (TNBV), not revaluated attrib. to ord. sh. – avg *** (2)

[J]
47,752
44,671

Stated ROTE adjusted (%)

= [P] / [J]
15.9%
16.0%

*** including assumption of dividend for the current exercice

(1) ROTE calculated on the basis of an annualised net income Group share and linearised IFRIC costs over the year
(2) Average of the NTBV not revalued attributable to ordinary shares, calculated between 31/12/2024 and 21/03/2025 (line [E]), restated with an assumption of dividend for current exercises

Alternative Performance Indicators⁵⁴

NBV Net Book Value (not revalued)
The Net Book Value not revalued corresponds to the shareholders’ equity Group share from which the amount of the AT1 issues, the unrealised gains and/or losses on OCI Group share and the pay-out assumption on annual results have been deducted.

NBV per share Net Book Value per share – NTBV Net Tangible Book Value per share
One of the methods for calculating the value of a share. This represents the Net Book Value divided by the number of shares in issue at end of period, excluding treasury shares.

Net Tangible Book Value per share represents the Net Book Value after deduction of intangible assets and goodwill, divided by the number of shares in issue at end of period, excluding treasury shares.

EPS Earnings per Share
This is the net income Group share, from which the AT1 coupon has been deducted, divided by the average number of shares in issue excluding treasury shares. It indicates the portion of profit attributable to each share (not the portion of earnings paid out to each shareholder, which is the dividend). It may decrease, assuming the net income Group share remains unchanged, if the number of shares increases.

Cost/income ratio
The cost/income ratio is calculated by dividing operating expenses by revenues, indicating the proportion of revenues needed to cover operating expenses.

Cost of risk/outstandings
Calculated by dividing the cost of credit risk (over four quarters on a rolling basis) by outstandings (over an average of the past four quarters, beginning of the period). It can also be calculated by dividing the annualised cost of credit risk for the quarter by outstandings at the beginning of the quarter. Similarly, the cost of risk for the period can be annualised and divided by the average outstandings at the beginning of the period.

Since the first quarter of 2019, the outstandings taken into account are the customer outstandings, before allocations to provisions.

The calculation method for the indicator is specified each time the indicator is used.

Doubtful loan
A doubtful loan is a loan in default. The debtor is considered to be in default when at least one of the following two conditions has been met:

a payment generally more than 90 days past due, unless specific circumstances point to the fact that the delay is due to reasons independent of the debtor’s financial situation.
the entity believes that the debtor is unlikely to settle its credit obligations unless it avails itself of certain measures such as enforcement of collateral security right.

Impaired loan
Loan which has been provisioned due to a risk of non-repayment.

Impaired (or non-performing) loan coverage ratio
This ratio divides the outstanding provisions by the impaired gross customer loans.

Impaired (or non-performing) loan ratio
This ratio divides the impaired gross customer loans on an individual basis, before provisions, by the total gross customer loans.

Net income Group share
Net income/(loss) for the financial year (after corporate income tax). Equal to net income Group share, less the share attributable to non-controlling interests in fully consolidated subsidiaries.

Net income Group share attributable to ordinary shares
The net income Group share attributable to ordinary shares represents the net income Group share from which the AT1 coupon has been deducted, including issuance costs before tax.

RoTE Return on Tangible Equity
The RoTE (Return on Tangible Equity) measures the return on tangible capital by dividing the Net income Group share annualised by the Group’s NBV net of intangibles and goodwill. The annualised Net income Group share corresponds to the annualisation of the Net income Group share (Q1x4; H1x2; 9Mx4/3) excluding impairments of intangible assets and restating each period of the IFRIC impacts in order to linearise them over the year.

Disclaimer

The financial information on Crédit Agricole S.A. and Crédit Agricole Group for first quarter 2025 comprises this presentation and the attached appendices and press release which are available on the website: https://www.credit-agricole.com/finance/publications-financieres.

This presentation may include prospective information on the Group, supplied as information on trends. This data does not represent forecasts within the meaning of EU Delegated Act 2019/980 of 14 March 2019 (Chapter 1, article 1, d).

This information was developed from scenarios based on a number of economic assumptions for a given competitive and regulatory environment. Therefore, these assumptions are by nature subject to random factors that could cause actual results to differ from projections. Likewise, the financial statements are based on estimates, particularly in calculating market value and asset impairment.

Readers must take all these risk factors and uncertainties into consideration before making their own judgement.

Applicable standards and comparability

The figures presented for the three-months period ending 31 March 2025 have been prepared in accordance with IFRS as adopted in the European Union and applicable at that date, and with regulations currently in force. This financial information does not constitute a set of financial statements for an interim period as defined by IAS 34 “Interim Financial Reporting” and has not been audited.

Note: The scopes of consolidation of the Crédit Agricole S.A. and Crédit Agricole groups have not changed materially since the Crédit Agricole S.A. 2024 Universal Registration Document and its A.01 update (including all regulatory information about the Crédit Agricole Group) were filed with the AMF (the French Financial Markets Authority).

The sum of values contained in the tables and analyses may differ slightly from the total reported due to rounding.

Other information

Crédit Agricole S.A.’s Combined General Meeting will take place on 14 May 2025 in Paris.

As announced at the time of the publication of Crédit Agricole S.A.’s 2024 results, the Board of Directors will propose to the General Meeting a cash dividend of €1.10 per share

26 May 2025: ex-dividend date
27 May 2025: Record date
28 May 2025: Dividend payment

Financial Agenda

14 May 2025                General Meeting
31 July 2025                Publication of the 2025 second quarter and the first half-year results
30 October 2025                Publication of the 2025 third quarter and first nine months results

Contacts

CREDIT AGRICOLE PRESS CONTACTS

CRÉDIT AGRICOLE S.A. INVESTOR RELATIONS CONTACTS

Institutional investors	+ 33 1 43 23 04 31	investor.relations@credit-agricole-sa.fr
Individual shareholders	+ 33 800 000 777 (freephone number – France only)	relation@actionnaires.credit-agricole.com

Cécile Mouton	+ 33 1 57 72 86 79	cecile.mouton@credit-agricole-sa.fr
Equity investor relations:
Jean-Yann Asseraf Fethi Azzoug	+ 33 1 57 72 23 81 + 33 1 57 72 03 75	jean-yann.asseraf@credit-agricole-sa.fr fethi.azzoug@credit-agricole-sa.fr
Oriane Cante	+ 33 1 43 23 03 07	oriane.cante@credit-agricole-sa.fr
Nicolas Ianna	+ 33 1 43 23 55 51	nicolas.ianna@credit-agricole-sa.fr
Leila Mamou	+ 33 1 57 72 07 93	leila.mamou@credit-agricole-sa.fr
Anna Pigoulevski	+ 33 1 43 23 40 59	anna.pigoulevski@credit-agricole-sa.fr


Debt investor and rating agency relations:
Gwenaëlle Lereste	+ 33 1 57 72 57 84	gwenaelle.lereste@credit-agricole-sa.fr
Florence Quintin de Kercadio	+ 33 1 43 23 25 32	florence.quintindekercadio@credit-agricole-sa.fr
Yury Romanov	+ 33 1 43 23 86 84	yury.romanov@credit-agricole-sa.fr

See all our press releases at: www.credit-agricole.com – www.creditagricole.info

1 Car, home, health, legal, all mobile phones or personal accident insurance.
2 CA Auto Bank, automotive JVs and automotive activities of other entities
3 Low-carbon energy outstandings made up of renewable energy produced by the clients of all Crédit Agricole Group entities, including nuclear energy outstandings for Crédit Agricole CIB.
4CAA outstandings (listed investments managed directly, listed investments managed under mandate and unlisted investments managed directly) and Amundi Transition Energétique.
5 Crédit Agricole Group outstandings, directly or via the EIB, dedicated to the environmental transition according to the Group’s internal sustainable assets framework, as of 31/12/2024. Change of method compared with the outstandings reported at 30/09/2024: with the same method, the outstandings at 31/12/2024 would be €115.5 billion.
6 Direct exposure to project financing of hydrocarbon extraction (gross exposure excl. export credit cover).

7 The cost of risk/outstandings (in basis points) on a four-quarter rolling basis is calculated on the cost of risk of the past four quarters divided by the average outstandings at the start of each of the four quarters
8 The cost of risk/outstandings (in basis points) on an annualised basis is calculated on the cost of risk of the quarter multiplied by four and divided by the outstandings at the start of the quarter
9 Average rate of loans to monthly production for January and February 2025.
10 Equipment rate – Home-Car-Health policies, Legal, All Mobile/Portable or personal accident insurance
11 Home Purchase Savings Plan base effect (reversal of the Home Purchase Savings Plan provision) in Q1-24 totalling +€41m in revenues and +€30m in net income Group share
12 Scope effect of Degroof Petercam revenues: +€164 million in the first quarter of 2025
13 Includes -€115 million in scope effect on Degroof Petercam

14 Provisioning rate calculated with outstandings in Stage 3 as denominator, and the sum of the provisions recorded in Stages 1, 2 and 3 as numerator.
15 The cost of risk/outstandings (in basis points) on a four-quarter rolling basis is calculated on the cost of risk of the past four quarters divided by the average outstandings at the start of each of the four quarters
16 The cost of risk/outstandings (in basis points) on an annualised basis is calculated on the cost of risk of the quarter multiplied by four and divided by the outstandings at the start of the quarter
17 See Appendixes for details on the calculation of the RoTE (return on tangible equity)
18 The annualised net income Group share corresponds to the annualisation of the net income Group share (Q1x4; H1x2; 9Mx4/3) by restating each period for IFRIC impacts and the corporate income tax surcharge to linearise them over the year
19 In local standards
20 Property and casualty insurance premium income includes a scope effect linked to the initial consolidation in Q2-24 of CATU (a property and casualty insurance entity in Poland) with retroactive effect at 1 January 2024: +7.7% Q1/Q1 increase in premium income at constant scope

21 Scope: property and casualty in France and abroad
22 Combined property & casualty ratio in France (Pacifica) including discounting and excluding undiscounting, net of reinsurance: (claims + operating expenses + fee and commission income)/gross premiums earned. Undiscounted ratio: 95.9% (-0.4 pp over the year)
23 The Agrica – Crédit Agricole Assurances – Groupama consortium chosen to ensure the new health care scheme for employees as of 01/01/25
24 Excluding JV
25 Excluding assets under custody for institutional clients
26 Amount of allocation of Contractual Service Margin (CSM), loss component and Risk Adjustment (RA), and operating variances net of reinsurance, in particular
27 Amount of allocation of CSM, loss component and RA, and operating variances net of reinsurance, in particular.
28 Net of reinsurance cost, including financial results
29 The charge on Tier 1 debt is recorded as a non-controlling interest while that of Tier 2 debt is deducted from the revenues.
30 Integration costs of -€7m in Q1-25 vs. -€13m in Q4-24, related to Victory and aixigo
31 Indosuez Wealth Management scope
32 Degroof Petercam data for the quarter included in Wealth Management results: Revenues of €164m and expenses of -€115m (excluding integration costs partly borne by Degroof Petercam)
33 Refinitiv LSEG
34 Bloomberg in EUR
35 ISB integration costs: -€9m in Q1-25 (€20m in Q1-24)
36 CA Auto Bank, automotive JVs and auto activities of other entities
37 CA Auto Bank and automotive JVs
38 Cost of risk for the last four quarters as a proportion of the average outstandings at the beginning of the period for the last four quarters.
39 Net of POCI outstandings
40 Source Abi Monthly Outlook April 2025: stable +0.0% March/March for all loans
41 At 31 March 2025 this scope includes the entities CA Italia, CA Polska, CA Egypt and CA Ukraine.

42 Over a rolling four quarter period.
43 SREP requirement applicable at 31 March 2025, including the combined capital buffer requirement (a) for Crédit Agricole Group a 2.5% capital conservation buffer, a 1% G-SIB buffer (which will increase to 1.5% on 1 January 2026 following the notification received from the ACPR on 27 November 2024), the countercyclical buffer set at 0.75%, as well as the 0.06% systemic risk buffer and (b) for Crédit Agricole S.A., a 2.5% capital conservation buffer, the countercyclical buffer set at 0.58% as well as the 0.09% systemic risk buffer.
44 As part of its annual resolvability assessment, Crédit Agricole Group has chosen to continue waiving the possibility offered by Article 72ter(3) of the Capital Requirements Regulation (CRR) to use senior preferred debt for compliance with its TLAC requirements in 2025.
45 In the event of non-compliance with the combined capital buffer requirement. The distributable elements of Crédit Agricole S.A. amounted to €42.9 billion, including €29.6 billion in distributable reserves and €13.3 billion in share premiums at 31 December 2024.
46From December 2024, securities within liquidity reserves are valued after discounting idiosyncratic stress (previously systemic stress) to better reflect the economic reality of central bank value.
47 Gross amount before buy-backs and amortisations
48 Gross amount before buy-backs and amortisations
49 Excl. AT1 issuances
50 Excl. AT1 issuances
51 Excl. senior secured issuances
52 Excl. AT1 issuances
53 Excl. senior secured issuances
54 APMs are financial indicators not presented in the financial statements or defined in accounting standards but used in the context of financial communications, such as net income Group share or RoTE. They are used to facilitate the understanding of the company’s actual performance. Each APM indicator is matched in its definition to accounting data.

Attachment

EN_CASA_PR_2025_Q1

The MIL Network –

April 30, 2025

MIL-OSI Asia-Pac: Suspected network intrusion probed

Source: Hong Kong Information Services

The Health Bureau’s Primary Healthcare Commission announced the suspected hacking of the outsourced network system of the Kwai Tsing District Health Centre (Kwai Tsing DHC) on April 27, resulting in a possible leakage of members’ data.

Such data include members’ names, membership numbers, dates of birth, residential districts, and the first four digits of the Hong Kong Identity Card of some members who have enrolled in a vaccination programme. The operator is currently assessing the possible number of members affected and the data involved.

The commission stressed that it is highly concerned about the incident, and has instructed the Kwai Tsing Safe Community & Healthy City Association, the operator of the Kwai Tsing DHC, to seriously follow up and submit a report within three working days.

According to the operator, the system involved is managed independently by its outsourced service provider, and is mainly used to assist with administrative work such as service booking or members sign-in at the Kwai Tsing DHC.

The Primary Healthcare Commission noted that in addition to reporting the incident to Police as well as the Office of the Privacy Commissioner for Personal Data, the operator has also notified the Digital Policy Office.

As required by the commission, the operator has immediately suspended the operation of the Kwai Tsing DHC’s network system and all external connections to its computer servers to prevent further intrusion attempts by hackers. An independent cybersecurity expert has also been hired to conduct an investigation and review.

Due to the system suspension, the appointments on blood taking and seasonal influenza vaccination of relevant Kwai Tsing DHC members will be rescheduled. The operator has started to notify those members via phone calls and text messages, and will also inform all its members of the hacking incident.

Furthermore, for the sake of prudence, as the Kwai Tsing DHC is a registered healthcare provider on eHealth, the operator’s eHealth registration has been suspended in order to protect the data privacy and system security of eHealth. During the suspension period, the Kwai Tsing DHC is unable to gain access to any electronic health record in eHealth.

The Kwai Tsing DHC’s connection with eHealth will only resume once security risks are fully eliminated.

Call 1878 222 for enquiries.

MIL OSI Asia Pacific News –

April 30, 2025
MIL-OSI USA News: ICYMI: Celebrating President Trump’s Incredible First 100 Days

Source: The White House

President Donald J. Trump has accomplished more in 100 days than most presidents do over an entire term — and he’s still just getting started. President Trump’s unprecedented work in the first 100 days has earned praise from across Capitol Hill and beyond.

Here’s what they’re saying:

Speaker Mike Johnson: “@POTUS has been able to do far more for the American people in the first 100 days than the Biden Administration did in four years. Thanks to the Trump White House, AMERICA IS BACK – and we’re just getting started.”

Senate Majority Leader John Thune: “It’s been 100 days of the new Trump administration, and @POTUS is delivering. Securing our southern border, restoring American strength, extending tax relief for Americans, unleashing American energy, saving taxpayer dollars, and restoring common sense.”

Senate Majority Whip John Barrasso: “In the first 100 days under @POTUS Trump, Republicans are fighting for the American people. Secure the border. Rebuild the economy. Restore peace through strength. Unleash American energy.”

Senate Republican Conference Chair Tom Cotton: “Joe Biden unleashed mass illegal migration across our nation during his time in office. In his first 100 days, President Trump ended the Biden Border Crisis by cracking down on criminals and following the law.”

Sen. Jim Banks: “100 days of securing the border… Thanks to President Trump’s strong leadership, the invasion along our borders is over!”

Sen. Marsha Blackburn: “Congratulations to President Trump on 100 days of Making America Great Again.”

Sen. Katie Britt: “President Trump has kept his promises in the first 100 days.”

Sen. Ted Budd: “From day one: clear goals, hard work, concrete results. At Day 100, @POTUS has built real momentum to deliver long-term prosperity for the American people — and he’s just getting started.”

Sen. Shelley Moore Capito: “Real leadership leads to real results. @SenateGOP and @POTUS are delivering on our promises in these 100 days to protect and secure our country.”

Sen. Bill Cassidy: “After 100 days, the results are clear: America is safer and the border is secure.”

Sen. John Cornyn: “I’ve worked hand-in-glove with President Trump to accomplish his agenda during his first 100 days.”

Sen. Mike Crapo: “President Trump has had phenomenal successes in his first 100 days. He has closed the border, revitalized our energy production, brought trillions of dollars of capital investment into the United States.”

Sen. Steve Daines: “In just 100 days, @POTUS has delivered win after win. Border crossings are at an all-time low, American energy is thriving & we’re kicking Biden and the left’s woke agenda to the curb. If this is what 100 days of progress looks like, can’t wait for what the future brings!”

Sen. Joni Ernst: “From a wide-open southern border to complete border security in just 100 days. That is the Trump effect.”

Sen. Chuck Grassley: “2day marks 100 days of Pres Trumps return 2 White House Ive seen the President working hard 2 KEEP HIS PROMISES + RESTORE COMMON SENSE Praise the Lord we hv a Commander in Chief who is standing on the platform he ran on& getting things done for the American ppl.”

Sen. Lindsay Graham: “In just 100 days, President Trump has delivered historic results for the American people… I look forward to continue working with the President and his team in the Senate to make sure we DELIVER his historic agenda to the American people.”

Sen. Bill Hagerty: “This has been the most effective, most impactful in a positive sense 100 days in my lifetime.”

Sen. Josh Hawley: “For the first time in decades, working Americans have a President who stands with them. Trump’s giving Americans their country back”

Sen. John Hoeven: “#100Days in, @POTUS has secured the border and now he’s empowering our energy producers to make the country energy dominant—removing barriers, driving growth, and restoring America’s place as the world’s energy leader.”

Sen. Jon Husted: “Daily border apprehensions have dropped 95% since @POTUS took office. Pres. Trump is following through on his promise to secure the border and safeguard Americans.”

Sen. Cindy Hyde-Smith: “Just 100 days in, @POTUS and the Senate Republicans are delivering for the American people – securing our border, rolling back harmful Biden policies, confirming Trump nominees, passing common-sense laws, and locking in a strong budget.”

Sen. Jim Justice: “100 days under @POTUS:
✔️American Energy Unleashed
✔️Border is secure
✔️Manufacturing is coming back to the states
✔️ West Virginia Coal making a comeback
President Trump is just getting started and I will keep working alongside him to get results for Americans!”

Sen. John Kennedy: “In just 100 days, President Trump has secured the border, fought racial quotas, and totally changed the national conversation about the budget.”

Sen. James Lankford: “An unprecedented 100 days under President Trump!” Let’s continue this moment for the American people—great job @POTUS.”

Sen. Mike Lee: “A HISTORIC FIRST 100 DAYS.”

Sen. Cynthia Lummis: “100 days of a stronger and safer America.”

Sen. Roger Marshall: “The President’s first 100 days is a return to American greatness.”

Sen. Dave McCormick: “We’re 100 days into the Trump Administration and we’re already seeing enormous change on behalf of the American people, just like the president promised.”

Sen. Ashley Moody: “Today marks President Trump’s first 100 days, and the country is already stronger and safer than it has ever been before.”

Sen. Jerry Moran: “In his first 100 days in office, President Trump has made our southern border safer by ending catch & release, signing the Laken Riley Act into law & reinstating Remain in Mexico. Illegal encounters at the southern border are down 95% thanks to these commonsense policies.”

Sen. Markwayne Mullin: “100 DAYS: PROMISES MADE, PROMISES KEPT.”

Sen. Rand Paul: “100 days of cutting government waste, securing the border, pursuing peace abroad, and simply restoring sanity to the American people.”

Sen. Pete Ricketts: “In his first 100 days in office, President Trump has delivered for the American people.”

Sen. Jim Risch: “100 days of America First”

Sen. Rick Scott: “President Trump is delivering on his promises to make our country safer, our economy stronger, and America Great Again!”

Sen. Tim Scott: “How do you describe 100 days of President Trump? Promises made, promises kept.”

Sen. Eric Schmitt: “100 days of putting America first. Us”

Sen. Tim Sheehy: “Whether it’s ending Biden’s border crisis, unleashing American energy, bolstering our military and restoring American strength, or securing better deals for hardworking families, @POTUS has delivered win after win in his first 100 days.”

Sen. Dan Sullivan: “Congratulations @POTUS on 100 days in office and thank you in particular for working to unleash Alaska’s extraordinary resource potential!”

Sen. Tommy Tuberville: “He’s done an outstanding job A+, we continue to even get better because he’s solving more problems everyday Thank you, President Trump for what you’ve done!”

Sen. Roger Wicker: “Mr. President you’re bringing the kind of peace through strength our children will talk about fifty years from now- we thank you.”

House Majority Leader Steve Scalise: “Today marks 100 DAYS of President Trump and Republican majorities in Congress. … America First and common sense are BACK. And we’re just getting started. Promises made. Promises kept.”

House Majority Whip Tom Emmer: “100 days in, President Trump is delivering for the people of Minnesota.”

House Republican Conference Chair Lisa McClain: “Today, @HouseGOP celebrates POTUS’ historic first 100 days in office. He has delivered on his promises to secure the borders, restore energy independence, show peace through strength, and make America COMPETITIVE.”

House Republican Leadership Chair Elise Stefanik: “President @realDonaldTrump is securing our borders, reining in inflation, unleashing American energy dominance, combatting antisemitism, supporting the rule of law, and restoring American greatness and peace through strength on the world stage.”

Rep. Mark Alford: “100 days ago, America was on the brink. Today, because of President Trump: Hope is back. Strength is back. America is BACK.”

Rep. Rick Allen: “Promises made, promises kept. In just 100 days, @POTUS has delivered:
✅ A secure border
✅ Safer communities
✅ Energy independence
✅ Job growth
✅ Lowers costs for essentials like gas and eggs
The list goes on and we’re just getting started!”

Rep. Jodey Arrington: “In the first 100 days of President Trump’s second term our nation has experienced unprecedented achievements in a new era of American politics defined by competent leadership, common sense policies, and a commitment to America first.”

Rep. Brian Babin: “100 days in and America is roaring back to life. The economy is up. The border is secure. Our pride is restored. The American comeback is here. FIGHT, FIGHT, FIGHT!”

Rep. Don Bacon: “I commend the Trump Administration for tackling these campaign promises in the first 100 days:
✅ Restoring energy independence & bringing prices under control
✅ Securing our border with 95% drop in illegal crossings
✅ Taking decisive action against the Houthis
The border and energy independence were top priorities this past Nov.”

Rep. Jim Baird: “In 100 days, POTUS and his administration have been reversing the disastrous Biden-era policies and are working hard to usher in the Golden Age of America. Promises made. Promises kept.”

Rep. Troy Balderson: “In President Trump’s first 100 days, he has…
us Secured the border
Unleashed American energy
Rooted out government waste
Added 345,000 jobs
…and we’re just getting started”

Rep. Andy Barr: “President @realDonaldTrump’s first 100 days have been nothing short of historic. I’m honored to stand with him as we secure the border, unleash American energy, rebuild our economy, and put America First again. Together, we’re delivering the results the American people demanded.”

Rep. Tom Barrett: “In President Trump’s first 100 days, we’ve teamed up to secure the border, bring manufacturing jobs back, and unleash American energy.
🚨 Illegal border crossings are at historic lows.
The Laken Riley Act is signed into law.
📉 Inflation and energy prices are falling..
🚔 We are making our communities safe again.
America First is back and we’re just getting started. #100Days”

Rep. Michael Baumgartner: “On National Fentanyl Awareness Day, we celebrate the progress made with record low border crossings. President Trump’s first 100 days in office set the stage for this success. Let’s continue the fight to eradicate fentanyl and protect our communities.”

Rep. Aaron Bean: “We’re celebrating #100Days of President Trump in office, and one thing is abundantly clear: America’s future is looking up! Since day one, POTUS has understood the assignment: undo the damage done by the previous administration and usher in the Golden Age of America. Working together at historic speed, we are securing our border, slashing wasteful spending, reviving our economy, and defending our American values.”

Rep. Stephanie Bice: “100 days of bringing back America first policies.”

Rep. Gus Bilirakis: “One of President Trump’s biggest success stories in his first 100 days is enhanced border security. U. S. Customs and Border Protection now has total control of the border, with daily border encounters down by 93%. March of 2025 saw the lowest monthly number of border encounters in recorded history. Also, in March of 2025, fentanyl traffic at the southern border fell by 54% compared to March of 2024. To date, the Trump Administration has also arrested more than 151,000 illegal aliens and has deported over 135,000. This includes 600 members of Tren De Aragua and thousands of MS-13 and 18thStreet Gang members. We will continue to get dangerous predators off our streets!”

Rep. Andy Biggs: “President Trump has done more for our country in his first 100 days than Democrats could dream of accomplishing in four years. Countless nations have already reached out to amend unfair trade practices.”

Rep. Sheri Biggs: “100 Days of Results: President Trump promised to secure our border—and he’s delivered. Illegal crossings are down 94%, catch & release is over, and the border is finally under control.”

Rep. Mike Bost: “What a difference 100 days make! Border apprehensions dropped by 94%, gas prices are down 6.3%, and egg prices have fallen by 56%. Over 100,000 illegal aliens have been deported, and U.S. manufacturing is roaring back.”

Rep. Josh Brecheen: “We have seen tremendous progress at our borders due to President
@realDonaldTrump taking decisive action in his first 100 days:
• Daily border encounters are DOWN by 93%.
• Over 135,000 illegal aliens have been DEPORTED.
• Illegal alien crossings are DOWN by 99.99%.
Promises made, promises kept!”

Rep. Vern Buchanan: “In his first 100 days, POTUS has delivered on his promises.”

Rep. Eric Burlison: “✅ Illegal crossings down 94%
✅ $Trillions in private investments
✅ Ended the Green New Scam
✅ Peace Through Strength
✅ Protecting women in sports
Still not tired of winning.”

Rep. Ken Calvert: “In the four years of Joe Biden’s presidency the border was in chaos as illegal immigrants and deadly drugs flowed unchecked into America. In the first 100 days of Donald Trump’s presidency order and security has been restored at the border.”

Rep. Kat Cammack: “In 100 days, President Trump has protected women and girls’ sports, reduced illegal border crossings by 95%, removed dangerous criminals from the U.S., protected our children, enhanced transparency, and more!”

Rep. Buddy Carter: “It’s been a historic and productive first 100 days of the second Trump Administration. From securing the southern border to reestablishing fair trade deals and unleashing American energy dominance, this presidency can be defined by one word: efficiency.”

Rep. Juan Ciscomani: “.@POTUS Trump delivered on his promise to secure the border in his first 100 days – and it’s making a real difference for families in #AZ06.Just ask Jim and Sue Chilton. Under President Biden, their ranch saw 5,640 illegal crossings in April 2024. Under President Trump, things have changed for the better. In April 2025, they recorded ZERO crossings in a span of three weeks — a direct result of President Trump’s strong border policies. ✅Promises made, promises kept!”

Rep. Ben Cline: “Trump’s first 100 days are a new era of American renewal”

Rep. Michael Cloud: “The difference is undeniable. In just 100 days, President Trump has reversed the failures of the Biden administration and put America back on the path to greatness.”

Rep. Andrew Clyde: “Today marks 100 days of President Trump putting America FIRST!”

Rep. Mike Collins: “This has been the most consequential first 100 days in any American presidency.
✅The border crisis is solved.
✅Domestic manufacturing is back.
✅America is respected again.
✅DEI is dead.
100 down and 1362 to go.”

Rep. James Comer: “100 Days. President Trump has delivered on dozens of promises made to the American people… America’s future is bright under President Trump’s leadership.”

Rep. Eli Crane: “Thank you, President Trump, for ending the premeditated border invasion. We didn’t need new legislation. We just needed a new President.”

Rep. Dan Crenshaw: “Today marks President Trump’s 100th day back in office. He promised action, and he’s delivering it. If you listened during the campaign, you knew this was coming — promises made, promises kept”

Rep. Warren Davidson: “President Trump in his first 100 days:
– Secured the border
– Removed woke ideology from the military
– Eliminated billions in fraud and abuse
– Deported over 100K illegal aliens
Best sequel EVER”

Rep. Monica De La Cruz: “During his first 100 days, President Trump stood up for South Texas farmers and ranchers — demanding Mexico honor its water delivery commitments, and he has delivered. Thank you, @POTUS! #PromisesMadePromisesKept”

Rep. Mario Diaz-Balart: “100 days of SUCCESS with President Trump back in the White House—leading with strength, and laying the foundation for prosperity and peace for America to be the global powerhouse for generations to come.”

Rep. Byron Donalds: “THE BEST IS YET TO COME”

Rep. Troy Downing: “President Trump in his first term talked about promises made, promises kept. This time, it’s on steroids.”

Rep. Neal Dunn: “100 days in, and the Trump administration has already achieved countless victories! From plummeting illegal border crossings to swift downsizing of the bloated federal bureaucracy, President Trump is delivering for the American people!”

Rep. Ron Estes: “Today marks 100 days of President Trump’s second term. @POTUS and House Republicans have been hard at work to turn the page on four years of open borders, a sluggish economy and runaway federal spending. In just 100 days, border encounters are down 95%, hostages have returned home, violent criminals are being deported, more than $5 trillion in new investments have been secured, and the Department of Government Efficiency has saved taxpayers $160 billion (that’s an average saving of $1.6 billion every day). But we’re just getting started – we’re working to extend the 2017 Tax Cuts and Jobs Act, preserve and protect Social Security, reduce wasteful spending and restore our energy independence.”

Rep. Mike Ezell: “During @POTUS’s first 100 days, the Coast Guard has worked around the clock to defend our maritime borders and stop the flow of illegal drugs and migrants. I’m proud that President Trump is recognizing their hard work—service that too often goes unnoticed but is vital to our national security.”

Rep. Pat Fallon: “President Trump’s border security measures have yielded incredible results in 100 days. With 113,000 arrests, over 100,000 deportations, and a 94% reduction in illegal crossings, his policies are in the best interest of all Americans and public safety.”

Rep. Julie Fedorchak: “Today is the 100 day marker for @POTUS Trump. He is tackling big issues that have long been ignored.
✅ Illegal border crossings are down 95%. Turns out we didn’t need new laws. We needed a new President that would actually enforce them.
✅ American energy is on the move. We are aggressively and responsibly developing our nation’s abundant, diverse natural resources.
✅ President Biden’s stifling regulations are being rolled back—lifting burdens off our farmers, businesses, and energy producers.
✅ Government waste, fraud and abuse is being identified and eliminated.
Promises made. Promises kept.”

Rep. Randy Feenstra: “In just 100 days, President Trump has achieved incredible victories for our country. He locked down our border, deported violent criminals, repealed ridiculous Biden-era regulations, and rooted our waste, fraud, and abuse in our government.”

Rep. Brad Finstad: “In his first 100 days in office, President Trump has delivered on his promises, with over 300,000 new jobs created, strengthened border security, and an improved economic outlook for our nation. Together, we will continue working to restore the American Dream by making our communities safer and addressing the kitchen-table issues that matter most to the American people.”

Rep. Michelle Fischbach: “In his first 100 days, @POTUS has signed the Laken Riley Act into law, has dangerous gangs and cartels shaking in their boots, and has shut our borders to illegal immigrants.”

Rep. Scott Fitzgerald: “Only 100 days in, and @POTUS has delivered real results… I’m proud to stand with President Trump and the America First agenda!”

Rep. Chuck Fleischmann: “In his first 100 Days, @POTUS is taking strong action to get America back on track! President Trump has:
Secured our borders.
Ended the war on American-made energy.
Begun rebuilding our economy.
Signed the Laken Riley Act into law.
Restored commonsense in government.”

Rep. Vince Fong: “In his first 100 days, President Trump has relentlessly pursued policies that are delivering on his promises to Central Valley families and the American people as we speak.”

Rep. Scott Franklin: “100 days back in the White House and the results speak for themselves… America is back on the path to strength, security and prosperity!”

Rep. Russell Fry: “President Trump’s first 100 days in office have been the MOST SUCCESSFUL IN THE HISTORY OF THE COUNTRY.”

Rep. Brandon Gill: “President Trump’s historic presidency delivered major wins for the American people in his first 100 days.”

Rep. Craig Goldman:” For years, we had a President who allowed millions of illegal aliens to flood across our borders. In 100 days, @POTUS has secured the border. The difference is clear:
✅ Daily apprehensions are down 94%
✅ Known gotaways are down 90%
✅ 100,000+ illegal aliens have been deported”

Rep. Tony Gonzales: “Illegal Border Crossings⬇️95%
Unleashing American Energy
Water Deliveries from Mexico to South Texas
Empowering LEOs to Tackle Crime & Protect our Communities
And we’re just getting started! #100Days”

Rep. Lance Gooden: “Just 100 days into President Donald Trump’s second term, the answer is resounding: Yes, we are better off.”

Rep. Sam Graves: “In his first 100 days, President Trump has moved quickly to secure the border, unleash American energy production, and get rid of burdensome regulations… It’s exactly what the American people voted for.”

Rep. Mark Green: “In less than three months, President Trump has restored law and order to our nation’s borders, removed criminal illegal aliens from our communities, and helped ensure the safety of the American people by empowering DHS law enforcement to do their jobs.”

Rep. Marjorie Taylor Greene: “The American people & I are SO happy with the work President Trump has done the last 100 days! Our nation is safer, common sense has been restored, and America is being put first!”

Rep. Glenn Grothman: “In his first 100 days, President Trump delivered more for the American people than Joe Biden had in four years. He’s keeping his promises, prioritizing American interests, securing our border, and leading with transparency. In the House, we’re building on that momentum to deliver real results that honor the American people’s electoral mandate.”

Rep. Brett Guthrie: “Today marks the first 100 days of President Trump’s Administration. @POTUS has delivered on his promises of securing our border, unleashing American energy and repealing burdensome red tape. Promises made, promises kept.”

Rep. Harriet Hageman: “In his first 100 days, President Trump has fixed a lot of what Biden and Kamala Harris broke and he’s on track to do a lot more.”

Rep. Abe Hamadeh: “Promises made. Promises kept. Congratulations to @POTUS on an incredibly successful First 100 Days!”

Rep. Mike Haridopolos: “President Trump is keeping the promises that he made to the American people. Just 100 days in, we’re already seeing the RESULTS.”

Rep. Pat Harrigan: “100 days in, the Trump Doctrine holds firm: American interests first, American sovereignty always.”

Rep. Mark Harris: “It’s been 100 days of:
✅Restoring common sense
✅Protecting Americans from criminal illegals
✅Rooting out government waste, fraud, and abuse
Looking forward to the next 1361 days!!”

Rep. Diana Harshbarger: “100 days of investing in America… Promises Made, Promises Kept.”

Rep. Kevin Hern: “The last 100 days have gone by quickly but so much has happened. POTUS is moving at record pace to RESTORE American strength, SAVE taxpayers’ money, and PROTECT our national security and sovereignty.”

Rep. Clay Higgins: “100 days of MAGA. President Trump’s administration is restoring common sense, securing our border, unleashing America’s energy potential, and attacking waste, fraud, abuse, and theft in the bureaucracy.”

Rep. Ashley Hinson: “Closing in on 100 days of President Trump back in the Oval, and the results speak for themselves: strong and CLOSED borders, American energy back on top, peace through strength restored on the world stage, and a more competitive America. Promises made, promises kept.”

Rep. French Hill: “100 days into his second term, and President Trump continues to move with unprecedented speed to deliver on the promises made to the American people. America is back on the path to restoring our strength, security, and prosperity. I’m looking forward to building on these early wins to lower costs, expand opportunity, and make the Trump tax cuts permanent for working families, small businesses, and the middle class.”

Rep. Erin Houchin: “President Trump is off to a strong start! In just 100 days, he’s delivering on his promises to secure our border, rebuild our economy, and restore law and order. Proud to stand with him as we fight to put America First again!”

Rep. Bill Huizenga: “President Trump is delivering on promise after promise for the American people. In just 100 days, he has secured our border, unleashed American energy, and restored common-sense regulatory policies to Washington. And we are just getting started!”

Rep. Wesley Hunt: “100 Days in and Trump is keeping his promises.
– 345,000 New Jobs
– 4th highest Payroll Growth in 2 years
– 9,000 New Manufacturing Jobs
– Unemployment Rate Decreased
– Consumer Price Decline
– Hourly Wage Growth”

Rep. Jeff Hurd: “I commend @POTUS and @HouseGOP for delivering on key promises in the first 100 days:
✅ Establishing energy dominance for rural America
✅ Securing our borders with a significant drop in illegal crossings
✅ Reviving the coal industry and identifying coal resources on federal lands”

Rep. Darrell Issa: “In only 100 days, @realDonaldTrump ended the Biden border crisis, extended economic opportunity, slashed billions in government waste, and restored our standing in the world. This is setting the pace for the next four years as we Make America Great Again.”

Rep. Jim Jordan: “President Trump said he’d stop federal censorship, defend religious liberty, and promote school choice. He’s done all of it. Promises made. Promises kept.”

Rep. Mike Kelly: “In just his first 100 days, President Trump has:
– Cracked down on illegal immigration – Compared to March 2024, Southwest border apprehensions have decreased by 94% and Northern border land encounters have decreased by 73%.
– Expanded American energy production
– Secured trillions of dollars in new U.S.-based economic investment
– Brought jobs back to the U.S. and restructured trade negotiations
– Restored accountability and transparency in government
– Secured the release of Butler County native Marc Fogel and freed hostages

@POTUS and @HouseGOP are putting America first!”

Rep. Trent Kelly: “Today marks the 100th day in office for President Donald Trump. During this time, the Trump administration has made significant progress and worked quickly to fulfill his promises by securing the border, restoring energy independence, strengthening national defense, and boosting American competitiveness.”

Rep. Brad Knott: “Never have the first 100 days of a presidency been so consequential. Following four years of disastrous and destructive policy from Biden-Harris, Americans were eager to see big, sweeping change and @POTUS delivered.”

Rep. David Kustoff: “President Trump Has Kept His Promises in the First 100 Days!
1. Strengthened border security, slashing illegal crossings to record lows 🚓
2. Fueled growth in U.S. manufacturing and industrial production 🏭
3. Curbed inflation, easing the cost-of-living crisis for Americans 💸
4. Enacted the Laken Riley Act to ensure justice for crime victims ⚖️
5. Combatted Tren de Aragua and MS-13 gangs in American communities 🚨
6. Cracked down on sanctuary cities, upholding federal immigration laws 🔒
7. Championed energy independence through robust oil and gas expansion ⛽️
8. Lifted the natural gas export ban, cementing U.S. energy dominance 🛢️
9. Dismantled DEI policies in government and DoD, recognized only male/female genders 🚻
10. Declassified JFK and RFK records for transparency 📂
11. Reduced the amount of federal bureaucracy 🏛️”

Rep. Darin LaHood: “President Trump’s first 100 days have secured our border, made our communities safer, and put U.S. foreign adversaries on notice.”

Rep. Doug LaMalfa: “In just 100 days, President Trump has delivered the most secure border this country has seen in modern history. Illegal crossings are down 95%, gotaways have dropped by 99%, and catch-and-release is over. Over 139,000 illegal immigrants have been deported, construction on the border wall is back underway, and Kamala Harris’ migrant app has been shut down for good. Violent gangs like Tren de Aragua and MS-13 are being dismantled, sanctuary cities are finally being held accountable, and the Trump administration is making clear that migrant crime will not be ignored — signing the Laken Riley Act into law to deliver justice for American families. Promises made, promises kept.”

Rep. Bob Latta: “Today marks @POTUS’s first 100 days in office. From day one, he has prioritized the American people, working to eliminate waste, fraud, and abuse. Proud to work with
@HouseGOP and President Trump to make life better for people in Ohio and across the country. Promises made, promises kept.”

Rep. Nick Langworthy: “100 days of President Trump putting America First… and we are just getting started.”

Rep. Laurel Lee: “In his first 100 days in office, President Trump is driving the American dream forward at a historic rate by securing American manufacturing, unleashing American energy, and supporting American-owned businesses.”

Rep. Julia Letlow: “In 100 days President Trump has: reduced illegal border encounters by 95%, reduced total migrant crossings by nearly 100%, ended the Biden Border Crisis.”

Rep. Barry Loudermilk: “Marking 100 days into his presidency, @POTUS continues to deliver on his promises to Make America Great Again.
• 26 hostages freed from adversarial nations
• Women’s sports protected
• Unleashing the American worker and industry
• $5 trillion in new investments/trade commitments secured
All we needed was a different President.”

Rep. Anna Paulina Luna: “In 100 days, President Trump has: Secured our border, declassified the JFK+RFK files, deported thousands of illegal alien thugs, protected American manufacturing & workers, started eliminating rampant waste, fraud, and abuse, crushed DEI in academia & business.”

Rep. Morgan Luttrell: “President Trump is ushering in a Golden Age of America.

✅ 100k+ illegal aliens deported
✅ Gas prices down
✅ Border crossings down 94%
✅ Eggs down 56%
✅ 228,000 jobs in March”

Rep. Nancy Mace: “100 days of holding the line. Thank you President Donald J. Trump.”

Rep. Tracey Mann: “On Inauguration Day, President Trump promised he would usher in the Golden Age of America. 100 days into his historic second term, he is delivering just that for the American people. Promises made, promises kept.”

Rep. Brian Mast: “Today marks 100 days of President Trump’s historic second term. We’re closing the border, bringing investments and manufacturing back to America, and reducing inflation. But we’re just getting started.”

Rep. Nicolle Malliotakis: “From securing our border and deporting criminals to attracting trillions in private investment to negotiating the release of dozens of hostages, it’s been a fast & furious first 100 days!”

Rep. Michael McCaul: “The American people gave a mandate to secure the border, and
@POTUS delivered. Today, on his 100th day in office, @HomelandGOP is working to fully fund his border security agenda & protect the homeland for years to come.”

Rep. Addison McDowell: “During President Trump’s first hundred days, the Coast Guard has defended our maritime border and stood on the front lines against illegal drugs and migrants. President Trump has made it clear—their hard work matters, and it won’t go unnoticed.”

Rep. John McGuire: “President Trump promised a secure border. In his first 100 days, border encounters are down 95%.”

Rep. Mark Messmer: “In just 100 days, @POTUS is restoring American Greatness with…
✅ Secure borders
✅ Energy independence
✅ Lower grocery prices
✅ Peace through strength”

Rep. Dan Meuser: “In just 100 days President @realDonaldTrump has worked to strengthen our national security, create an America-First economy, deliver savings for taxpayers, restore global leadership, and bring commonsense back to Washington. The border is secure, American energy is recovering, jobs are coming back, inflation is falling, and our military recruitment is surging — among much more. President Trump has a plan that will lead to long-term success for the United States.”

Rep. Mary Miller: “As we reach the first 100 days of President Donald Trump’s second term in the White House, it is abundantly clear: Christians across America once again have a powerful, unapologetic advocate in the Oval Office.”

Rep. Mariannette Miller-Meeks: “Today marks 100 days since @POTUS returned to the White House, and @HouseGOP is hard at work delivering on his America First agenda!”

Rep. Riley Moore: “It’s been an incredible first 100 days for @POTUS
✅ Sealed the border
✅ Deporting violent criminals
✅ Lowering prices & reversing inflation
✅ Only 2 genders
✅ Over $5 trillion in private investment
✅ Negotiating free and fair trade relationships
Commonsense is back!”

Rep. Tim Moore: “Since Day 1, President Trump has made it clear that rebuilding Western North Carolina and helping Hurricane Helene victims was one of his top priorities. 100 days in, there’s still a lot of work to do, but President Trump has completely turned around the federal response.”

Rep. Nathaniel Moran: “Great visiting with local and national media to highlight @POTUS successes during his first 100 days in office. We’ve delivered real results as a party—but there’s still more work to do for the American people. I look forward to advancing President Trump’s agenda in the days ahead and keeping our commitment to putting America First.”

Rep. Troy Nehls: “Today marks President Trump’s first 100 days back in the White House.
Border is secured.
Gas prices are dropping.
DEI is dead.
Historic investments secured.
American energy is back.
Common sense is restored.
Protected women’s sports.
We just keep winning!”

Rep. Ralph Norman: “Within a mere 100 days – Gas prices have dropped 7%, energy prices are down 2%, egg prices dropped over 50%. @POTUS has delivered for the American people!! Welcome to the GOLDEN AGE!”

Rep. Zach Nunn: “After 100 days of Biden: 451,063 CBP Apprehensions
After 100 days of Trump: 21,528 CBP Apprehensions
⬇️ Apprehensions down 95%
⬇️ Migrant crossings down 99.99%
✅ Iowa communities safer & more secure”

Rep. Andy Ogles: “It’s working — thanks to President Trump, ‘Made in Middle Tennessee’ is back and stronger than ever.”

Rep. Burgess Owens: “President @realDonaldTrump brought back something Washington had lost: America First leadership. 100 Days of historic and unprecedented wings for our nation. Promises made. Promises kept. us”

Rep. Gary Palmer: “In his first 100 days, President Trump has brought common sense back to the White House.”

Rep. Jimmy Patronis: “Since @POTUS took office and reversed Biden’s burdensome regulations, Americans have enjoyed 100 days of lower prices.
📉A/Cs
📉Gas Stoves
📉Water Heaters
📉Lightbulbs
📈WINNING
Having a strong quarterback in the White House matters; and it’s just the first quarter”

Rep. August Pfluger: “The first 100 days have set the foundation, the next 100 days will build the framework, and the next 100 years will showcase the lasting legacy of conservative governance done right.”

Rep. Guy Reschenthaler: “100 days of American greatness — and many more to come”

Rep. Hal Rogers: “Celebrating @POTUS ‘s first 100 days in office and the positive impact he is having in our country, including:
-Securing our borders
-Putting drug cartels on the run
-Ending unfair trade policies
-Restoring commonsense, conservative policies that protect the American people
-Strengthening our domestic energy supply, and much more.”

Rep. Mike Rogers: “President Trump has accomplished more in 100 days than Biden did in his entire presidency. I am proud to see an America that is stronger and safer than it was 100 days ago.”

Rep. John Rose: “In just 100 days, President Trump and his administration have accomplished more than Joe Biden did in four years.”

Rep. David Rouzer: “President Trump is ushering in a new Golden Age of America!
✅ Restarted construction of the southern border wall
✅ Created 345,000 jobs
✅ Unlocked America’s Energy potential—bringing gas prices down 6.3%
✅ Reversed Biden-era rules – saving the average family of four $11,000
✅ Ended DEI in the military and government”

Rep. Mike Rulli: “100 Days of Action. 100 Days of Results.
President Trump is keeping his promises to the American people:
🛑 Secured the border & ended catch-and-release
🧱 Restarted the wall & deported criminal illegals
⚡ Declared a National Energy Emergency
💸 Slashed waste, fraud & DEI bloat
🏗️ Bringing jobs back through smarter trade”

Rep. Maria Elvira Salazar: “Biden left us an open border. Now, border crossings are down 99 percent, criminals are being held accountable, and American manufacturing is coming back. It’s only the beginning.”

Rep. Derek Schmidt: “✅ Secured the border
✅ Lowered inflation
✅ Unleashed American energy
✅ Eliminated waste, fraud, & abuse
✅ Reestablished peace through strength
@POTUS’ first 100 days have been success after success- and he’s just getting started. us”

Rep. Keith Self: “President Trump’s first 100 days embody the spirit of leadership, strength, and America First values. By upholding Reagan’s legacy of peace through strength, he fights to secure our nation and defend our freedoms. Thank you, @realDonaldTrump!”

Rep. Jefferson Shreve: “Today, we mark 100 days of promises made and promises kept. .@HouseGOP
and the @WhiteHouse have been delivering — for the American people.

✅Securing our southern border
✅Unleashing American energy dominance
✅Deporting terrorists and illegal criminals
✅Investing in American manufacturing
✅Saving billions of dollars for the American taxpayers”

Rep. Mike Simpson: “100 Days: @POTUS has delivered promise after promise to make America safer, more prosperous, and stronger. From securing our southern border to reducing regulations and restoring government transparency, President Trump has followed through for the American people.”

Rep. Jason Smith: “President Trump’s first 100 days in office have been 100 days of promises made, promises kept.”

Rep. Lloyd Smucker: “Promises made, promises kept. I’m proud to work alongside the Trump administration to extend tax relief for hardworking families and small businesses, cut government waste, secure our border, unleash American energy dominance, and achieve peace through strength.”

Rep. Pete Stauber: “In his first 100 days, President Trump has delivered major wins for the American people:
✅Secured the border.
✅Deported violent illegal gang members.
✅Unleashed American energy and lowered gas prices.
✅Reduced government waste.
✅Protected women’s sports.
✅Boosted military recruitment.
✅Brought hostages home.
Promises made, promises kept!”

Rep. Greg Steube: “They laughed. They doubted. They lied. But President Trump DELIVERED. The border is secure. DEI is DEAD. Women’s sports are protected. This is what fighting for America looks like. And we’re just getting started.”

Rep. Dale Strong: “In his first 100 days, @POTUS has delivered real results for the people of North Alabama. From strengthening national security to fueling job growth and reinvigorating American industry, Trump is taking action to push back against the failed policies of the radical left that weakened America’s economy, values, and institutions.”

Rep. Dave Taylor: “President Trump is on a roll. In his first 100 days in office he has:
– Lowered border encounters by 95%
– Created 345,000 jobs
– Signed the Laken Riley Act into law
– Invested in American energy & manufacturing
– Repealed restrictive Biden-era regulations
Republicans are ready to work with President Trump to deliver on his mandate. And we’re just getting started!”

Rep. Claudia Tenney: “President Trump has had a more productive first 100 days than any other president in history!”

Rep. Tom Tiffany: “President Trump delivered in just 100 days.
Secured the border.
Lowered gas prices.
Ended DEI programs.
Boosted investments.
Cut government waste.
Brought hostages home.
Deported gang members.
Protected women’s sports.
Revived military recruitment.
Promises made. Promises kept.”

Rep. Glenn Thompson: “Over the past 100 days, President Trump has worked tirelessly to secure our border, unleash American energy, and root out waste, fraud, and abuse in our government. Promises made, promises kept.”

Rep. William Timmons: “President Trump did more in 100 days than Joe Biden did in four years.”

Rep. Jeff Van Drew: “In just 100 days, President Trump did what Biden wouldn’t in four years:
✅ Laken Riley Act: signed
✅ Remain in Mexico: reinstated
✅ CBP One App: shut down
✅ Catch and Release: ended
✅ Criminal illegals: deported
Biden opened the floodgates and Trump slammed them shut.”

Rep. Beth Van Duyne: “100 days in and we are not tired of winning!
✅ Secured the border.
✅ $5+ trillion in new private U.S. investment
✅ Unleashed American Energy
✅ Lowered prices
✅ Negotiating for free and fair trade”

Rep. Derrick Van Orden: “Over 77 million Americans and 1.7 million Wisconsinites put their trust in President Trump to get our nation back on track after four years of disastrous policy from the Biden administration. In just 100 days, President Trump has delivered on his promises to the American people.”

Rep. Tim Walberg: “100 days in, Trump creating new Golden Age.”

Rep. Randy Weber: “President Trump has been in office 100 GREAT days. Thank you for finally putting Americans FIRST. A new era of greatness has begun for our great country.”

Rep. Daniel Webster: “President Trump is getting our country back on track. In just the first 100 days, @POTUS:
✅ Secured the border – 94% drop in illegal crossings.
✅ Unleashed American energy – gas prices have fallen 6.3%.
✅ Secured trillions in new U.S. based investments, and brought back American jobs.
✅ Restored peace through Strength.
✅ Cut waste, fraud, and abuse in the federal government.
The Golden Age of America has only just begun.”

Rep. Tony Wied: “100 days of a secure border, 100 days of eliminating waste in our government, 100 days of unleashing American energy, 100 days of putting America First.”

Rep. Roger Williams: “In just 100 days under @POTUS, Illegal border encounters are DOWN by 95% and gotaways are DOWN by 99%.”

Rep. Joe Wilson: “Today marks 100 days since President Donald Trump took back the White House, and along with the Republican-led House and Senate, immediately began Promises Made, Promises Kept, delivering for American families. In just 100 days, the Trump administration has secured the borders, restored energy independence, began Peace Through Strength, and brought massive investments and jobs, making America competitive again. President Trump is keeping his promises to families, making the country strong, safe, and secure.”

Rep. Steve Womack: “In the first 100 days, @POTUS Trump has delivered huge wins for our nation, securing our borders and halting the surge of illegal crossings witnessed under Biden. National security begins with strong border policies, and I’m pleased to see this administration making it a top priority.”

Rep. Rudy Yakym: “100 days of promises made, promises kept
✅Illegal border crossings down 95%
✅Deporting violent criminals
✅Bringing dozens of hostages home
✅Restoring peace through strength
✅Unleashing American energy”

Rep. Ryan Zinke: “First 100 days of @POTUS by the numbers:
📉Border encounters down 88% since last year
📉Gas Prices down 6.3%
📉Eggs prices down 56%
📈10,000 new manufacturing jobs
📈 8,900 new auto jobs
➡️ over 100,000 illegal aliens deported”

Vice President JD Vance: “President Trump has made historic progress in the first 100 days of his presidency, but he’s also revealed the ways in which the entrenched bureaucracy in Washington is working to undermine the will of the American people. Thank God, we have a president who is fighting back.”

Secretary of the Treasury Scott Bessent: “Bringing down persistent Bidenflation has been a priority for the first 100 days of the Trump administration, and @POTUS has done a great job of leading that effort.”

Attorney General Pam Bondi: “This is all at Donald Trump’s directive, and this is what all of us have been doing, as a team, since Day One when he took office – Make America Safe Again.”

Secretary of Energy Doug Burgum: “100 Days of promises made, promises kept! This administration is bolstering our national security, reducing inflation, ending our reliance on foreign adversaries, & cementing this country as a global energy powerhouse.”

Secretary of Veterans Affairs Doug Collins: “The first 100 days of the second Trump Administration have been full of great news for America’s Veterans. Under @POTUS’ leadership, we are putting Veterans first!”

Secretary of Labor Lori Chavez-DeRemer: “In just the first 100 days, we’re witnessing a resurgence of the grit, determination, and ingenuity that built our country into a shining city on a hill.”

Secretary of Transportation Sean Duffy: “From zero to 100 days: How Donald Trump is revolutionizing transportation.”

Director of National Intelligence Tulsi Gabbard: “President Trump’s first 100 days have delivered historic change for the American people, to make our country more safe, secure, and free.”

Secretary of Health and Human Services Robert F. Kennedy, Jr.: “The first 100 days of the Trump administration have been historic—a critical course correction for a nation suffering from chronic disease and the stranglehold of corporate power.”

Small Business Administration Administrator Kelly Loeffler: “No better place to celebrate the wins of President Trump’s first 100 Days than with America’s small businesses and workers. In record time, he’s delivering the strongest pro-growth agenda in modern history– to help Main Street hire, build, and boom again.”

Secretary of Education Linda McMahon: “The American people gave us a historic mandate to restore our education system. We’re 100 days in, and we’re just getting started.”

Secretary of Homeland Security Kristi Noem: “Under the leadership of President Donald J. Trump, we have the most secure border in American history. In less than 100 days, daily border encounters are down 93%… The world is hearing our message: do not come to this country illegally. If you do, we will arrest you, deport you and you will not be allowed to return.”

Secretary of Agriculture Brooke Rollins: “As President Donald J. Trump ushers in a new golden age of prosperity for our economy, we are fighting to give farmers and ranchers a seat at the table. For far too long, the hardworking Americans who feed, fuel, and clothe the world were left on the sidelines. At USDA, I am reversing the policies of the Biden Administration that actively made life harder for America’s farmers and ranchers and instead pushing to expand market access and unleash prosperity for generations to come.”

Secretary of Housing and Urban Development Scott Turner: “After 100 Days of President Trump’s leadership, we are well on our way to restoring the American Dream.”

National Security Advisor Mike Waltz: “One hundred days into President Trump’s historic second term, America is far safer than it was during Joe Biden’s disastrous presidency.”

Secretary of Energy Chris Wright: “100 days in—President Trump’s leadership is turning policy into power.”

MIL OSI USA News –

April 30, 2025
MIL-OSI New Zealand: Government Cuts – Patient care still at risk from Govt’s deep cuts to health IT workers – PSA

Source: PSA

The Government is deliberately ignoring risks to patient safety and the security of sensitive information as it green lights damaging cuts to specialist IT health workers.

Health NZ Te Whatu Ora today confirmed deep cuts to the Data and Digital team, with impacted staff informed of their roles being disestablished and redeployment opportunities in the new structure.

“These cuts are dangerous – they threaten patient care and ignore the risks of sensitive patient information falling prey to cyber-attacks,” said Fleur Fitzsimons, National Secretary for the Public Service Association for Te Pūkenga Here Tikanga Mahi.

PSA legal action over the original restructure resulted in 175 roles being added back into the Data and Digital team, but there will still be a much smaller team with 758 vacant roles being disestablished.

“The cuts just go too deep and too wide if the Government expects to deliver the timely and quality patient care it’s promising New Zealanders.

“IT workers play a vital role in building a modern, secure and effective health system – ensuring clinicians can access patient records 24/7, maintaining ageing legacy systems, and integrating new nationwide IT systems.

“Now more than ever, Te Whatu Ora should be retaining a much larger workforce of highly skilled data and digital experts, but it’s bowing to pressure from the Government to slash numbers with little regard to consequences.

“We are seeing this reckless approach throughout the public sector and the price will be paid in the degrading of services New Zealanders need.

“The PSA remains deeply concerned that sensitive patient information will be at greater risk from cyber security breaches because of these cuts. We urge the Privacy Commissioner to reconsider his refusal to investigate these changes before they are set in concrete.”

MIL OSI New Zealand News –

April 30, 2025
MIL-OSI Australia: Construction starts on South Tuggeranong Health Centre

Source: Australian National Party

As part of ACT Government’s ‘One Government, One Voice’ program, we are transitioning this website across to our . You can access everything you need through this website while it’s happening.

Released 30/04/2025

Southsiders are set to benefit from expanded services closer to home as construction kicks off for the South Tuggeranong Health Centre in Conder.

Today Minister for Health Rachel Stephen-Smith and Head Contractor, Shape, will break ground on the new facility, which will enhance healthcare options for residents in Canberra’s south. This is part of the ACT government’s largest ever investment into ACT health care.

“This milestone means we are a step closer to improving access for people on Canberra’s southside. The new health centre will enable Tuggeranong residents to access to care closer to home, including supported telehealth appointments that will reduce the need to go into our busy hospitals or travel to other community sites,” Minister Stephen-Smith said.

“The design of the centre has been shaped by extensive engagement with clinicians and the local community to ensure it meets their needs. With 11 consultation rooms and a flexible layout, the centre will support a range of healthcare services delivered by Canberra Health Services and our non-government partners.

“The new facility is the first of the four new health centres for the ACT, with another three coming to the Inner South, North Gungahlin and West Belconnen. They will all provide localised, multidisciplinary care with a focus on preventive care and advice, early intervention and the management of chronic illnesses.”

The services for the new South Tuggeranong Health Centre include paediatrics, pathology collection, dementia care, diabetes clinics, falls and falls injury prevention, chronic disease programs and a virtual care room.

Construction is expected to be completed in August 2026, with the centre planned to open for operation in September 2026.

Site planning and preliminary design work are underway for the new health centres in North Gungahlin and the Inner South.

You can find out more about the government’s health projects at builtforcbr.act.gov.au/projects/health.

Quotes attributable to Tom Sparkes, General Manager at Shape:

“We are honoured to be part of this important project that will bring essential healthcare services closer to the South Tuggeranong community. Our team is committed to delivering a facility that meets the highest standards of quality and functionality.”

– Statement ends –

Rachel Stephen-Smith, MLA | Media Releases

«ACT Government Media Releases | «Minister Media Releases

MIL OSI News –

April 30, 2025
MIL-OSI USA: Senator Marshall: President Trump’s First 100 Days Have Been Some of the Most Consequential in American History

US Senate News:

Source: United States Senator for Kansas Roger Marshall
Washington – U.S. Senator Roger Marshall, M.D. (R-Kansas) delivered a speech on the Senate floor today recapping President Donald Trump’s historic first 100 days of his second administration.
[embedded content]
Click HERE or on the image above to watch Senator Marshall’s full speech.
Highlights from Senator Marshall’s speech include:
On the return to American greatness:
“This week, we honor and celebrate the 100th day of our 47th president, Donald J. Trump… As I searched over the last week to think about the words to describe these first 100 days, I think of the word consequential, that these first 100 days have been some of the most consequential we’ve ever seen in American history.
“… it’s exciting for me to see an 11-point surge in optimism in this country [since] January of this year alone. But to sum it up, what I’ve seen in these first 100 days is a return to American greatness… And I think I see this theme of promises made and promises kept by this president.”
On President Trump securing the border:
“President Trump campaigned to secure our border. That was his top priority: to secure our border. And think about what’s happened since he was sworn in. Under Joe Biden, we saw on days 10,000 people crossing our border illegally. Some days, it was 11,000, but under President Trump, we’re now averaging less than 300 of those border crossings a day. We went from 10,000 a day to 300 in a day. That’s a promise made and a promise kept.
“President Trump also campaigned that he would make your family safer and more secure. And to that end, he’s deported 130,000 violent criminal aliens. And as I travel the state [of Kansas] and talk to law enforcement officers… they tell me that the number of violent crimes is down, the fentanyl poisoning is down. Indeed, the president’s plan of securing our border has led to the health and safety of our families.”
On President Trump rolling back regulations, lowering gas prices:
“President Trump promised that he’d roll back regulations. To that end, of his [over] 135 executive orders, many have done just that, cutting red tape and saving American families some $2,000 each. Another promise made and another promise kept.
“President Trump said we’re going to ‘drill, baby, drill,’ one of my favorite expressions from his campaign, ‘drill, baby drill.’ And indeed, America, once again, is drilling, and we’ve seen gasoline prices drop across America. It was common just a couple years ago under Joe Biden to see gasoline at over $4 a gallon today. All across the state of Kansas, it’s averaging under $2.60 a gallon. So it’s dropped from $4 to $2.60 a gallon. That’s a promise made, and a promise kept.”
On President Trump being the American first president:
“Well, what about groceries, you asked? Last month we saw the smallest increase in the consumer price index since the spring of 2020. Since COVID, since the start of COVID. This is the smallest increase in grocery prices that we’ve seen.
“Now, it would take 30 minutes, maybe an hour, for me to talk about all the things that President Trump has accomplished in these first 100 days, but I want to just highlight a few more. He’s terminated the EV mandate. He slowed the green energy transition. He’s ended boys in girls’ sports. Under DOGE, he’s cut over $100 billion, saving American taxpayers’ money. He got America out of the World Health Organization, out of the Paris Climate Agreement, establishing, once again, that he’s an American first president.”
On President Trump bringing back jobs to America:
“But one thing I’m really excited about is this economic boom that we’re starting to see, that President Trump talks about the $7 trillion of investment into America that has been promised, and so much of that is going to lead to good paying manufacturing jobs, jobs with benefits, and that we’re seeing that already across the state of Kansas.
“These last two weeks, I was very purposeful visiting several of our manufacturing companies, probably a dozen of them… each one was describing the increase in sales that they’re having, a big increase in the number of products that are wanted in the future. Why? Because they’re American-made, because they’re using American steel and American aluminum. And I think that that’s what we can do with this Trump economy, is that his tariffs are bringing those manufacturing jobs back to this country, and indeed, they’re great jobs.”
On the Dow Jones Industrial Average:
“You know, much has been made about the stock market the last week or two. But I think that this, this chart of the Dow Jones Industrial Average over the past 100 years, is another sign of American greatness.
“You know, there’s been days which aren’t as good, but the trend here is what? It’s upward. And you look at just the last several days, the last week here, there’s a small little blip here, a very small blip, but in relationship to what? I would remind Americans that the Dow today is up 5% compared to a year ago, the NASDAQ is up almost 10% compared to a year ago. The trend is the right way. And I don’t know about you, but I’m betting on America.
“We’ve had five days in a row now the Dow Jones increasing in value – that’s the longest winning streak we’ve seen in almost a year. And who knows, maybe today will be the sixth day where we’ve seen the Dow go up as well. But to me, this stock market, is another example of American greatness, and I wouldn’t bet against us.”
On the American Dream being alive and well:
“My belief is that President Trump has declared the apology tour is over with – that we’re boldly putting America and Americans first. Gone is the despair of the Biden era. Today, families are safer, life is more affordable, and traditional family values are now thriving.
“Young Americans now have a renewed hope that they can chase their own American dream. That dream was gone the last four or five years, but today, the American dream is alive and well. What’s that American dream look like? Raising a family, owning a home, and building a brighter future. And I think a lot of this is due to President Trump’s leadership, because he’s delivering strength, prosperity, and opportunity to Americans. Again, 100 days, promises made, promises kept.”

MIL OSI USA News –

April 30, 2025
MIL-Evening Report: Is your child anxious about going on school camp? Here are 4 ways to prepare
Source: The Conversation (Au and NZ) – By Micah Boerma, Researcher, School of Psychology and Wellbeing, University of Southern Queensland

Nitinai Thabthong/Shutterstock

One of the highlights of the school year is an overnight excursion or school camp. These can happen as early as Year 3.

While many students are very excited about the chance to go away with their classmates, some may experience anxiety and even fear about being away from home and their usual routines.

Anxiety disorders are the second most common mental disorder among children and adolescents in Australia. One in 14 young people are affected.

Separation anxiety (fear or dread about being separated from caregivers) is the most common anxiety disorder amongst young people in Australia. This affects about 4% of young people aged four to 17. Students with anxiety may refuse to attend the camp. Or they may go and not participate in activities or have periods of intense anxiety.

While these trips are a small part of a young person’s school year, positive and negative experiences can form important beliefs about their self-confidence and independence.

Here are four ways to prepare your anxious child to attend and enjoy camp.

1. Understand the anxieties

Anxiety isn’t a one-size-fits-all condition. For one child, it may be the fear of not fitting in or the dread of being homesick. For another, it may be the fear of being away from parents, believing something bad will happen.

So the first step is to really listen to a child about their anxietty.
Asking open-ended questions, such as “what is the one thing about going to camp that worries you most?” can help to determine their core fear.

When they tell you, avoid jumping in quickly to reassure them they “will be fine”. This can feel dismissive and invalidate their concerns.

Instead, reflect what you hear so they feel understood. For example, “I hear you a really worried about what it will be like to spend the night away from us. You’ve never done this before.”

Ask your child what they are worried about. Maybe it’s a certain activity on camp.
Andrew Angelov/Shutterstock

2. Understand the ‘cycle of avoidance’

Anxious people tend to overestimate the likelihood of something terrible happening and underestimate their ability to cope if it occurred.

When a young person sidesteps something scary, they feel initial relief. But this avoidance prevents them from learning the feared situation may not be as dangerous as think. Importantly, they do not get the opportunity to test their coping skills and build confidence. This inadvertently increases their anxiety.

It can help to talk to your child about how avoiding camp might feel better in the short term but it makes fun activities – such as sleepovers or trips – harder in the future.

4. Build the ‘bravery muscle’

You also might want to talk about how you can build the “bravery muscle”.

This involves gradually exposing a child to their fears and building confidence in their ability to cope. This way fears lose their power.

Start with easier tasks. For example, if the main worry is “something bad will happen to mum and dad if I am not with them at night”, start with your child staying with a grandparent while you go out for dinner. Then you could try staying overnight at a grandparent or a trusted friend’s house.

You can also pair these tasks with coping tools. Your child could do a breathing exercise or a grounding excercise, where they focus on things around them, rather than the thoughts and feelings distressing them.

When organising these tasks, it is crucial parents acknowledge the distress their child might experience, while communicating their confidence the child can do it.

Celebrate every effort and task completed, no matter how small.

You could prepare for camp with a sleepover somewhere else.
NataliyaBack/Shutterstock

4. Make a plan with school

Parents and caregivers are not in this alone. So make sure you talk to your class teacher or year group leader if you haven’t already. Some helpful tips are:
- organise a “camp buddy” for the bus ride or to share a tent/room with
- organise a “go-to” teacher for your child to gain support from during camp
- access information about the accommodation and activities as soon as possible so you can practice. This could include your child camping in a tent with a friend, bike riding, or bush walking.
It’s not expected the steps above will erase your child’s anxiety entirely – that is not realistic. But they can give them coping tools to face their anxiety and come out the other side stronger. School camps can be an exciting experience where a young person may discover they are braver than they thought.

Micah Boerma does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. Is your child anxious about going on school camp? Here are 4 ways to prepare – https://theconversation.com/is-your-child-anxious-about-going-on-school-camp-here-are-4-ways-to-prepare-252290
MIL OSI Analysis – EveningReport.nz –
April 30, 2025
MIL-Evening Report: ER Report: A Roundup of Significant Articles on EveningReport.nz for April 30, 2025

ER Report: Here is a summary of significant articles published on EveningReport.nz on April 30, 2025.

Locked up for life? Unpacking South Australia’s new child sex crime laws
Source: The Conversation (Au and NZ) – By Xanthe Mallett, Criminologist, CQUniversity Australia Melnikov Dmitriy/Shutterstock It’s election time, which means the age old “tough on crime” rhetoric is being heralded by many politicians aiming to score votes. Opposition leader Peter Dutton is pushing for a national public sex offender register. Currently only Western Australia has

Why do dogs eat poo? A canine scientist explains
Source: The Conversation (Au and NZ) – By Mia Cobb, Research Fellow, Animal Welfare Science Centre, The University of Melbourne nygi/Unsplash When miniature dachshund Valerie was captured after 529 days alone in the wilds of Australia’s Kangaroo Island, experts speculated she survived partly by eating other animals’ poo. While this survival tactic may have saved

On ‘moral panic’ and the courage to speak – the West’s silence on Gaza
Palestinians do not have the luxury to allow Western moral panic to have its say or impact. Not caving in to this panic is one small, but important, step in building a global Palestine network that is urgently needed, writes Dr Ilan Pappé ANALYSIS: By Ilan Pappé Responses in the Western world to the genocide

Sick of eating the same things? 5 ways to boost your nutrition and keep meals interesting and healthy
Source: The Conversation (Au and NZ) – By Clare Collins, Laureate Professor in Nutrition and Dietetics, University of Newcastle Loquellano/Pexels Did you start 2025 with a promise to eat better but didn’t quite get there? Or maybe you want to branch out from making the same meal every week or the same lunch for work

Peace in our time? Why NZ should resist Trump’s one-sided plan for Ukraine
Source: The Conversation (Au and NZ) – By Robert G. Patman, Professor of International Relations, University of Otago GettyImages Getty Images Is it possible to reconcile increased international support for Ukraine with Donald Trump’s plan to end the war? At their recent meeting in London, Christopher Luxon and his British counterpart Keir Starmer seemed to

‘A living collective’: study shows trees synchronise electrical signals during a solar eclipse
Source: The Conversation (Au and NZ) – By Monica Gagliano, Research Associate Professor in Evolutionary Biology, Southern Cross University Zenit Arti Audiovisive Earth’s cycles of light and dark profoundly affect billions of organisms. Events such as solar eclipses are known to bring about marked shifts in animals, but do they have the same effect on

Greenpeace slams deep sea mining bid as ‘rogue’ disregard for global law
By Reza Azam Greenpeace has condemned an announcement by The Metals Company to submit the first application to commercially mine the seabed. “The first application to commercially mine the seabed will be remembered as an act of total disregard for international law and scientific consensus,” said Greenpeace International senior campaigner Louisa Casson. “This unilateral US

State of the states: the campaign is almost over, so how has it played out across Australia?
Source: The Conversation (Au and NZ) – By David Clune, Honorary Associate, Government and International Relations, University of Sydney While many Australians have already voted at pre-poll stations and by post, the politicking continues right up until May 3. So what’s happened across the country over the past five weeks? Here, six experts analyse how

‘No compassion… just blame’: how weight stigma in maternity care harms larger-bodied women and their babies
Source: The Conversation (Au and NZ) – By Briony Hill, Deputy Head, Health and Social Care Unit and Senior Research Fellow, Monash University Kate Cashin Photography According to a study from the United States, women experience weight stigma in maternity care at almost every visit. We expect this experience to be similar in Australia, where

Renewables, coal or nuclear? This election, your generation’s energy preference may play a surprising role
Source: The Conversation (Au and NZ) – By Magnus Söderberg, Professor & Director, Centre for Applied Energy Economics and Policy Research, Griffith University Christie Cooper/Shutterstock In an otherwise unremarkable election campaign, the major parties are promising sharply different energy blueprints for Australia. Labor is pitching a high-renewables future powered largely by wind, solar, hydroelectricity and

Trump says diversity initiatives undermine merit. Decades of research show this is flawed
Source: The Conversation (Au and NZ) – By Paula McDonald, Professor of Work and Organisation, Queensland University of Technology Pixel-Shot/Shutterstock US President Donald Trump declared earlier this year he would forge a “colour blind and merit-based society”. His executive order was part of a broader policy directing the US military, federal agencies and other public

Housing affordability is at the centre of this election, yet two major reforms seem all but off-limits
Source: The Conversation (Au and NZ) – By Matt Garrow, Editorial Web Developer This federal election, both major parties have offered a “grab bag” of policy fixes for Australia’s stubborn housing affordability crisis. But there are still two big policy elephants in the room, which neither side wants to touch. The first is negative gearing.

The Vietnam War ended 50 years ago today, yet films about the conflict still struggle to capture its complexities
Source: The Conversation (Au and NZ) – By Scarlette Nhi Do, Sessional Academic, The University of Melbourne Scene from Apocalypse Now (1979) Prime Video The Vietnam War (1955–1975) was more than just a chapter in the Cold War. For some, it was supposed to achieve Vietnam’s right to self-determination. For others, it was an attempt

Willis warns of a ‘tight’ budget to come, but NZ should be going for productivity, not austerity
Source: The Conversation (Au and NZ) – By Dennis Wesselbaum, Associate Professor, Department of Economics, University of Otago Hagen Hopkins/Getty Images Finance Minister Nicola Willis has warned her 2025 “Growth Budget” will be “one of the tightest budgets in a decade”, with plans to reduce spending by billions. It’s clear New Zealand is following a

50 years after the ‘fall’ of Saigon – from triumph to Trump
30 April 1975. Saigon Fell, Vietnam Rose. The story of Vietnam after the US fled the country is not a fairy tale, it is not a one-dimensional parable of resurrection, of liberation from oppression, of joy for all — but there is a great deal to celebrate. After over a century of brutal colonial oppression

Labor maintains clear lead in all polls and is likely to win election
Source: The Conversation (Au and NZ) – By Adrian Beaumont, Election Analyst (Psephologist) at The Conversation; and Honorary Associate, School of Mathematics and Statistics, The University of Melbourne Labor leads by between 52–48 and 53–47 in four new national polls from Resolve, Essential, Morgan and DemosAU. While Labor’s vote slumped from a high 55.5–44.5 in

Election Diary: Albanese will be encouraged by ‘Trump’ effect in helping Canadian Liberals to victory
Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra Labor will be encouraged by the Liberals’ victory in Canada’s election, undoubtedly much helped by US President Donald Trump. Trump’s extraordinary attack on the United States’ northern ally, with his repeated suggestion Canada should be the 51st American state, galvanised

French Minister Valls warns New Caledonia is ‘on a tightrope’, pleads for ‘innovative’ solutions
By Patrick Decloitre, RNZ Pacific correspondent French Pacific desk French Minister for Overseas Manuel Valls, who is visiting New Caledonia this week for the third time in two months, has once again called on all parties to live up to their responsibilities in order to make a new political agreement possible. Failing that, he said

Did ‘induced atmospheric vibration’ cause blackouts in Europe? An electrical engineer explains the phenomenon
Source: The Conversation (Au and NZ) – By Mehdi Seyedmahmoudian, Professor of Electrical Engineering, School of Engineering, Swinburne University of Technology The lights are mostly back on in Spain, Portugal and southern France after a widespread blackout on Monday. The blackout caused chaos for tens of millions of people. It shut down traffic lights and

Tarakinikini appointed as Fiji’s ambassador-designate to Israel
By Anish Chand in Suva Filipo Tarakinikini has been appointed as Fiji’s Ambassador-designate to Israel. This has been stated on two official X, formerly Twitter, handle posts overnight. “#Fiji is determined to deepen its relations with #Israel as Fiji’s Ambassador-designate to Israel, HE Ambassador @AFTarakinikini prepares to present his credentials on 28 April, 2025,” stated

MIL OSI Analysis – EveningReport.nz –

April 30, 2025
MIL-OSI USA: At Senate Hearing, Murray Highlights Lack of Transparency and Stonewalling at VA, Efforts to Address MST, and Need for Practical Telework Policies in Health Care Settings

US Senate News:

Source: United States Senator for Washington State Patty Murray
Senator Murray: “I hope that Secretary Collins—who says he’s running the most transparent VA in history—decides that VA can be transparent enough to let a senator hold a discussion about VA healthcare onsite at the local VA, as I have done for over 30 years and I know other members have as well.”
ICYMI: After Trump Admin Refuses to Allow VA to Host Discussion on Women Veterans’ Health Care, Senator Murray Meets with Women Veterans and Advocates In Seattle
ICYMI: At Senate Hearing, Senator Murray Highlights Devastating Cuts to VA Workforce, and Presses Nominees on Willingness to Comply with the Law
*** VIDEO of Senator Murray’s Remarks and Questioning HERE***
Washington, D.C. — Today, at a Senate Veterans’ Affairs Committee hearing to address veterans’ mental health, U.S. Senator Patty Murray (D-WA), a senior member and former Chair of the Senate Veterans’ Committee, questioned Dr. Thomas O’Toole, Acting Assistant Undersecretary for Health and Clinical Services at Veterans Health Administration, on the importance of transparency and communication between veterans and VA after the Trump administration recently prohibited VA Puget Sound from either hosting or participating in a roundtable with Senator Murray and local Seattle area veterans on women’s health. Senator Murray also questioned how the Trump administration’s mass firings might undermine care for veterans who have dealt with sexual trauma and also raised the administration’s return to office policy and its disruptive impact on patients and providers.
Senator Murray began by emphasizing the importance of hearing directly from the VA and VA providers to improve mental health care outreach and noted that last week, VA Puget Sound was denied the ability to host and participate in a roundtable discussion with Senator Murray in Seattle, asking O’Toole, “Can you explain why having both the VA and veterans together is important for a robust conversation?”
O’Toole responded, “Thank you Senator, and I appreciate it. I’m not familiar with the situation you’re describing, so unfortunately, I can’t comment to that, and to the specifics or to the approval, or lack of. But absolutely we are informed by our veterans, it helps us be a better agency and a better organization, and it’s something we try to encourage in as many capacities as we can.”
Murray pressed, “Well do you know if the new policy that prevents elected officials from meeting with veterans at VA facilities comes from within VHA or does it come from political leadership at VA Central Office?”
“I would have to defer to our leadership in terms of describing it better than I can myself,” O’Toole replied.
Murray said, “Ok, well Mr. Chairman this is really important and I hope that Secretary Collins—who says he’s running the most transparent VA in history—decides that VA can be transparent enough to let a senator hold a discussion about VA healthcare onsite at the local VA, as I have done for over 30 years and I know other members have as well. So, I am not done with this topic.”
Murray addressed the fact that women are more likely to seek care through VA, and also more likely to be dealing with depression, anxiety, or sexual trauma. In 2022, suicide rates for women veterans with histories with sexual trauma were 75 percent higher than those without. Murray stressed getting in touch with these veterans can literally mean the difference between life and death, and said, “However, in February, President Trump and Musk fired more than 2,400 VA employees, including dedicated health professionals who staff the phones at VA’s veteran crisis line.”
“What steps is VA taking now to reach survivors of military sexual trauma?” Murray asked O’Toole.
O’Toole replied, “Thank you Senator. Well, first in relation to the veteran crisis line—that decision was reversed, and we have actually seen a net increase in staff working in the veteran crisis line, and I’m happy to report that outcome. The outreach and specifically efforts for women who are victims of military sexual trauma has been incorporated into our reach vet, and reach vet algorithm, so that we are specifically identifying and engaging those women to make sure that we are providing better care. I’d like to defer to Mr. Fisher who can also speak specifically to some of the efforts at the veteran resource centers as well.”
Mr. Fischer added, “Thank you Senator for the question, so vet centers have historically gone out and reached out to any veteran cohort and servicemember cohort that’s eligible for vet center services. That includes women veterans, that includes individuals who experience military sexual trauma. We’ve continued to do this since the change of the administration. Our outreach staff, as well as our counseling staff at vet centers are exempted from any hiring freeze. And what we can say specific to women veterans is that every year we see increases in the number of women veterans that are coming into vet centers. We also see high trust scores with women veterans who receive vet center services. Last year was at 93%.”
Murray continued by pressing, “I don’t see how 80,000 employees being removed will help the VA provide services.”
Murray pivoted to how remote work agreements have allowed VA to hire more mental health providers to treat disabled, rural, and geriatric veterans who have difficulty travelling to VA hospitals for in-person appointments. Now, VA providers are being required to work in-person, Murray said, “Those providers have been working remotely since before the pandemic and now, instead of being able to take video calls in private offices, they’re speaking with veteran patients in open floor spaces where there is no privacy. This is a violation of veterans’ privacy, it’s a violation of HIPAA, it is leading doctors and counselors to look elsewhere for work. I am almost out of time, I just want to say that the elimination of telework agreements is really affecting our veterans access to mental healthcare, and we need to have a further conversation with you about how we can fix that.”
Senator Murray was the first woman to join the Senate Veterans’ Affairs Committee and the first woman to chair the Committee—as the daughter of a World War II veteran, supporting veterans and their families has always been an important priority for her. Senator Murray has been a leading voice in the Senate speaking out forcefully against President Trump and Elon Musk’s mass firing of VA employees and VA researchers across the country and Elon Musk and DOGE’s infiltration of the VA, including accessing veterans’ sensitive personal information. In recent weeks, Senator Murray and her colleagues sent letters to VA Secretary Doug Collins demanding that the VA swiftly reverse moves to cut VA researchers, as well as multiple letters pressing Secretary Collins to sever Elon Musk and DOGE’s access to any VA or other government system with information about veterans, and protect veterans, their families, and VA staff from unprecedented access to sensitive information. Senator Murray grilled Trump’s nominee for VA Deputy Secretary, Dr. Paul Lawrence, on the mass firings of VA employees and VA researchers, and voted against Doug Collins’s nomination to be VA Secretary in early February, sounding the alarm over reports of DOGE at the VA and making clear that the Trump administration’s lawlessness was putting our national security and our veterans at risk.

MIL OSI USA News –

April 30, 2025
MIL-OSI USA: In Response to Questioning by Sen. Murray, Top Watchdog Says It’s Opened 39 Impoundment Investigations

US Senate News:

Source: United States Senator for Washington State Patty Murray
At hearing on FY26 budget requests for GAO, CBO, GPO, Murray asks about Trump impoundment investigations, Republicans’ reconciliation bill
GAO Comptroller General says OMB has not been cooperative
***WATCH: Senator Murray’s questioning***
Washington, D.C. — Today—at a Senate Appropriations Legislative Branch Subcommittee hearing to review the FY26 budget requests for the Government Accountability Office, Congressional Budget Office, and the Government Publishing Office—U.S. Senator Patty Murray (D-WA), Vice Chair of the Senate Appropriations Committee, asked Gene L. Dodaro, Comptroller General of the Government Accountability Office (GAO) about the status of the agency’s work investigating this administration’s impoundment of funding approved by Congress.
[IMPOUNDMENT INVESTIGATIONS]
Senator Murray stated: “You know, from day one, President Trump has unilaterally frozen or contravened critical funding provided in our bipartisan laws. Those actions by Trump and Russ Vought have really wreaked havoc for families and communities across the country. That is really not what the Constitution envisioned. Congress has the power of the purse—period. Our Presidents cannot pick and choose which parts of a law that they can follow.”
She then asked Mr. Dorado, “You have testified that GAO is investigating the Trump Administration’s efforts to block federal funds as potential violations of the Impoundment Control Act. What is the status of those investigations?”
Dorado replied: “We have right now 39 different investigations underway. We’re trying to get the information from the agencies about what their legal position is for not expending the money. I’m looking forward to what I understand to be a submission by the administration as a recission package, which would fall in the Impoundment Control Act, so we’ll look at that. We’re monitoring all the litigation surrounding these areas that we’re investigating in. Only three agencies, so far have given us the information that we need. OMB has not been responsive, nor EPA. A number of other agencies are due to get us information this week or next week. So, I would imagine starting next month after we look to see what is in the recission package.” (Dodaro later clarified in response to a separate question that only two agencies have been responsive.)
“Next month as in May?” Senator Murray inquired.
Dorado responded in part: “Yes. …. They won’t all come at once. They’ll come as we collect and analyze all the information.”
“What options do you have if you don’t get timely, responsive information from the federal agencies?” Senator Murray followed up.
“Well, we’ll have to make decisions on our own based upon the available information. Some of it will be in the lawsuit filings that we’re following right now—and then we’ll have to go forward doing this,” Dorado responded, in part.
[REPUBLICANS RECONCILIATION BILL + MEDICAID CUTS]
Senator Murray then discussed Republicans’ reconciliation package, stating: “Republicans are, as you know, moving full speed ahead with the reconciliation package, promising to deliver more than $5.3 trillion in new tax breaks for billionaires and large corporations. And at the same time, some Republicans have promised that Medicaid – which is a lifeline for our kids and seniors – is safe. But the reality is: Republicans can’t keep both these promises.”
She asked Dr. Phillip Swagel, Director of the Congressional Budget Office (CBO), about how the math works out, “The Republican reconciliation instructions direct $880 billion in cuts within the House Energy and Commerce Committee, which has jurisdiction over Medicaid and the Children’s Health Insurance Program, or CHIP,” said Senator Murray. “You responded to a question from House Ranking Member Brendan Boyle and Frank Pallone in March regarding spending within the House Energy and Commerce Committee’s jurisdiction, excluding Medicare—which Republicans say is off the table. In your response, you said over 10 years, Medicaid outlays will account for 93% of baseline budget projections for Energy and Commerce, is that correct?”
“Yes, that is correct,” said Swagel.
“And if you add in CHIP, is it fair to say you are now talking north of 95%?” Murray followed up.
Swagel confirmed, “That’s right. Once you take out Medicaid and CHIP there is only $381 billion still in the current baseline.”
Senator Murray reiterated: “So looking at table 1 in that March 5th letter, is it fair to say the remainder is nowhere close to that $880 billion?”
“That’s correct in the letter that we sent to Mr. Boyle and Mr. Pallone, the dollars after Medicare, Medicare, and CHIP are much smaller than the instruction.” Swagel responded.
“Okay, so for the record, I just want to say it would appear to me to be impossible for Energy and Commerce – the committee with jurisdiction– to reach the spending cuts required under the Republican reconciliation instructions without cutting Medicaid, or putting Medicare back on the table,” Murray concluded.

MIL OSI USA News –

April 30, 2025
MIL-OSI Submissions: Human Rights – “People in Gaza do not have the luxury of waiting for the ICJ process” – MSF

Source: Médecins Sans Frontières/Doctors Without Borders (MSF)

30th April, 2026. “The International Court of Justice (ICJ) has begun advisory proceedings on the obligations of Israel as an occupying power to facilitate the entry of aid to Palestinians in Gaza, this decision however will take time. People in Gaza do not have that luxury.

Médecins Sans Frontières/Doctors Without Borders (MSF) has recently raised the alarm that the Gaza Strip is becoming a mass grave for Palestinians and those trying to provide aid to them.

Waiting for any kind of legal recourse to end Israel’s intentional choking of aid, food and medicine into Gaza will condemn yet more Palestinians to avoidable death, while the world watches on impassively, doing nothing to avoid this indiscriminate and abhorrent cruelty.

The situation in the Gaza Strip is dire on every level. The Israeli authorities’ full ban on all humanitarian aid and supplies since 2 March is having deadly consequences for civilians in Gaza and is severely limiting our capacity as humanitarians and medical workers to respond in any meaningful or effective way.

Israeli authorities are not only using aid as a bargaining chip but as a weapon of war and a means of collective punishment for over 2 million people living in the Strip. MSF teams are witnessing shortages of medical supplies and food. States need to do more to pressure Israeli authorities into lifting the siege and letting aid enter the war-torn enclave at scale to prevent more suffering and death.”

Claire Nicolet, MSF Head of Emergencies.

MSF is an international, medical, humanitarian organisation that delivers medical care to people in need, regardless of their origin, religion, or political affiliation. MSF has been working in Haiti for over 30 years, offering general healthcare, trauma care, burn wound care, maternity care, and care for survivors of sexual violence. MSF Australia was established in 1995 and is one of 24 international MSF sections committed to delivering medical humanitarian assistance to people in crisis. In 2022, more than 120 project staff from Australia and New Zealand worked with MSF on assignment overseas. MSF delivers medical care based on need alone and operates independently of government, religion or economic influence and irrespective of race, religion or gender. For more information visit msf.org.au

MIL OSI – Submitted News –

April 30, 2025
MIL-Evening Report: Sick of eating the same things? 5 ways to boost your nutrition and keep meals interesting and healthy
Source: The Conversation (Au and NZ) – By Clare Collins, Laureate Professor in Nutrition and Dietetics, University of Newcastle

Loquellano/Pexels

Did you start 2025 with a promise to eat better but didn’t quite get there? Or maybe you want to branch out from making the same meal every week or the same lunch for work almost every day?

Small dietary changes can make a big difference to how you feel, how your body functions and health indicators such as blood pressure, blood sugar and cholesterol levels.

You can meet your nutrient needs by eating a range of foods from the key food groups:
- vegetables and fruit
- protein (legumes, beans, tofu, meats, poultry, fish, eggs, nuts, seeds)
- grains (mostly wholegrain and high-fibre)
- calcium-rich foods (milk, yoghurt, cheese, non-dairy alternatives).
But you also need a variety of foods to get enough vitamins, minerals and phytonutrients from plant foods. Phytonutrients have antioxidant, anti-inflammatory, anti-cancer and other functions that help keep you healthy.

Use these five dietary tweaks to boost your nutrient intake and add variety to what you eat.

1. Include different types of bran to boost your fibre intake

Different types of dietary fibre help improve bowel function through fermentation by gut microbes in the colon, or large bowel. This creates larger, softer bowel motions that then stimulate the colon to contract, leading to more regular bowel movements.

Add different types of dietary fibre – such as oat bran, wheat bran or psyllium husk – to breakfast cereal or add some into recipes that use white flour:
- psyllium husk is high in soluble fibre. It dissolves in water forming viscous gel that binds to bile salts, which get excreted and your body is then not able to convert them into cholesterol. This helps lower blood cholesterol levels as well as with retaining water in your colon, making bowel motions softer. Soluble fibre also helps slow the digestive process, making you feel full and slows the normal rise in blood sugar levels after you eat
- wheat bran is an insoluble fibre, also called roughage. It adds bulk to bowel motions, which helps keep your bowel function regular
- oat bran contains beta-glucan, a soluble fibre, as well as some insoluble fibre.
Try keeping small containers topped up with the different fibres so you don’t forget to add them regularly to your breakfast.

Psyllium husk is high in soluble fibre, which dissolves in water and slows digestion.
Shawn Hempel/Shutterstock

2. Add a different canned bean to your shopping list

Dried beans are a type of legume. From baked beans to red kidney beans and chickpeas, the canned varieties are easy to use and inexpensive. Different colours and varieties have slightly different nutrient and phytonutrient profiles.

Canned beans are very high in total dietary fibre, including soluble fibre and resistant starch, a complex carbohydrate that resists digestion in the small intestine and then passes into the colon where it gets fermented.

The body digests and absorbs the nutrients in legumes slowly, contributing to their low glycemic index. So eating them makes you feel full.

Regularly eating more legumes lowers blood sugar levels, and total and LDL (bad) cholesterol.

Add legumes to dishes such as bolognese, curry, soups and salads (our No Money No Time website has some great recipes).

3. Try a different wholegrain, like buckwheat or 5-grain porridge

Wholegrain products contain all three layers of the grain. Both the inner germ layer and outer bran layer are rich in fibre, vitamins and minerals, while the inner endosperm contains mostly starch (think white flour).

Wholegrains include oats, corn (yes, popcorn too), rye, barley, buckwheat, quinoa, brown rice and foods made with wholegrains, like some breads and breakfast cereals such as rolled oats, muesli and five-grain porridge.

Wholegrains aren’t just breakfast and lunch foods. Dinner recipe ideas include tuna and veggie pasta bake,
chicken quesadillas and buckwheat mushroom risotto.

4. Try a different vegetable or salad mix every week

A review of the relationship between plant-based diets and dying of any cause followed more than half a million people across 12 long-term studies.

It found people who ate the most plants had a lower risk of dying during the study and follow-up period than those who ate hardly any.

Add a rainbow coleslaw to your meal.
Kiian Oksana/Shutterstock

Try adding a new or different vegetable or salad item to your weekly meals, such as rainbow coleslaw, canned beetroot, raw carrot, red onion, avocado or tomatoes.

Or try a stir-fry with bok choy, celery, capsicum, carrot, zucchini and herbs.

The more variety, the more colour, flavour and textures – not to mention phytonutrients.

5. Go nuts

Cashews, walnuts, almonds, macadamias, pecans and mixed nuts make a great snack.

(Peanuts are technically a legume because they grow in the ground but we count them as nuts because their nutrient profile is very similar to the tree nuts.)

You have to chew nuts well, which means your brain receives messages that you are eating and should expect to soon feel full.

Nuts are energy-dense, due to their high fat content. A matchbox portion size (30 grams) contains about 15 grams of fat, 5 grams of protein and 740 kilojoules.

While some people think you need to avoid nuts to lose weight, a review of energy restricted diets found people who ate nuts lost as much weight as those who didn’t.

My colleagues and I at the University of Newcastle have created a free Healthy Eating Quiz where you can check your diet quality score, see how healthy your usual eating patterns are and how your score compares to others. You can also get some great ideas to make your meals more interesting .

Clare Collins AO is a Laureate Professor in Nutrition and Dietetics at the University of Newcastle, NSW and a Hunter Medical Research Institute (HMRI) affiliated researcher. She is a National Health and Medical Research Council (NHMRC) Leadership Fellow and has received research grants from NHMRC, ARC, MRFF, HMRI, Diabetes Australia, Heart Foundation, Bill and Melinda Gates Foundation, nib foundation, Rijk Zwaan Australia, WA Dept. Health, Meat and Livestock Australia, and Greater Charitable Foundation. She has consulted to SHINE Australia, Novo Nordisk, Quality Bakers, the Sax Institute, Dietitians Australia and the ABC. She was a team member conducting systematic reviews to inform the 2013 Australian Dietary Guidelines update, the Heart Foundation evidence reviews on meat and dietary patterns and current Co-Chair of the Guidelines Development Advisory Committee for Clinical Practice Guidelines for Treatment of Obesity.

– ref. Sick of eating the same things? 5 ways to boost your nutrition and keep meals interesting and healthy – https://theconversation.com/sick-of-eating-the-same-things-5-ways-to-boost-your-nutrition-and-keep-meals-interesting-and-healthy-245672
MIL OSI Analysis – EveningReport.nz –
April 30, 2025
MIL-OSI USA: Padilla Joins Sanders and Over 100 Lawmakers in Reintroduction of Medicare for All

US Senate News:

Source: United States Senator Alex Padilla (D-Calif.)

Padilla Joins Sanders and Over 100 Lawmakers in Reintroduction of Medicare for All

WASHINGTON, D.C. — Today, U.S. Senator Alex Padilla (D-Calif.) joined Senator Bernie Sanders (I-Vt.) and over 100 lawmakers in reintroducing the Medicare for All Act, historic legislation that would guarantee health care as a fundamental human right to all people in the United States regardless of income or background.

Despite spending twice as much per person on health care as other wealthy nations, more than 85 million Americans are uninsured or underinsured, one out of every four Americans cannot afford their prescription drugs, over half a million people go bankrupt due to medically-related debt, and more than 60,000 die because they cannot afford to go to a doctor.

“Every American deserves access to high quality, affordable health care, regardless of their zip code or tax bracket,” said Senator Padilla. “As the Trump Administration recklessly attacks essential public health services that millions of Californians and Americans across the country depend on, guaranteeing the fundamental right to health care is more important than ever. No American should go bankrupt because of medical costs, and Congress must do better to ensure that everyone has equitable access to care.”

“The American people understand, as I do, that health care is a human right, not a privilege and that we must end the international embarrassment of the United States being the only major country on earth that does not guarantee health care to all of its citizens,” said Senator Sanders. “It is not acceptable to me, nor to the American people, that over 85 million people today are either uninsured or underinsured. Today, there are millions of people who would like to go to a doctor but cannot afford to do so. This is an outrage. In America, your health and your longevity should not be dependent on your wealth. Health care is a human right that all Americans, regardless of income, are entitled to and they deserve the best health care that our country can provide.”

Under this legislation, Medicare would provide comprehensive health care to every American with no premiums, no co-payments, and no deductibles. It would also expand Medicare to include dental, hearing, and vision care, and it would give every American the freedom to choose their doctors without endless paperwork or fighting their insurance company. The Congressional Budget Office has estimated that Medicare for All would save our health care system $650 billion a year. Further, researchers at Yale University have estimated that Medicare for All would save 68,000 lives a year.

Senator Sanders, Ranking Member of the Senate Committee on Health, Education, Labor, and Pensions (HELP), and Representatives Pramila Jayapal (D-Wash.-07) and Debbie Dingell (D-Mich.-06) lead the legislation. Including Senator Padilla, the legislation has 16 cosponsors in the Senate and 104 cosponsors in the House. The total number of cosponsors represents an increase from last Congress and also includes Senators Tammy Baldwin (D-Wis.), Richard Blumenthal (D-Conn.), Cory Booker (D-N.J.), Kirsten Gillibrand (D-N.Y.), Martin Heinrich (D-N.M.), Mazie Hirono (D-Hawaii), Ben Ray Luján (D-N.M.), Ed Markey (D-Mass.), Jeff Merkley (D-Ore.), Brian Schatz (D-Hawaii), Adam Schiff (D-Calif.), Elizabeth Warren (D-Mass.), Peter Welch (D-Vt.), and Sheldon Whitehouse (D-R.I.).

“Nurses see the failure of our country’s profit-driven health care system every time we clock in to work,” said Nancy Hagans, President of National Nurses United. “In the richest country on earth, nobody should be forced to choose between taking their medications and putting food on the table. Yet countless families are pushed to the breaking point while greedy corporations charge astronomical, ludicrous fees for care that our patients have every right to receive. Nurses are fighting for a future in which our patients’ health is put first always and that’s why we are proud to continue our support for Medicare for All. When we guarantee health care for all, corporations and billionaires will no longer be able to deny anyone the care that they need.”

“We are long overdue for a universal health care system that guarantees care for all — free of copays, deductibles, and job-based coverage restrictions,” said Dr. Diljeet K. Singh, M.D., Dr.P.H., and President of Physicians for a National Health Program. “With the passage of the Medicare for All Act, physicians can focus on healing patients, not battling insurers over denials and delays. Patients will finally be able to seek care without the constant fear of crushing medical bills. Physicians for a National Health Program proudly stands with our legislators in the fight to make excellent health care a reality for everyone in America.”

“As Donald Trump, Robert Kennedy and Congressional Republicans rush to strip health care from millions of Americans, we know this: We must not only block their cruel cuts but move America to a system that provides health care to everyone as a matter of right,” said Robert Weissman, co-president of Public Citizen. “America spends much more than other wealthy countries on health care only to have the worst health outcomes. The system works for health insurers, Big Pharma, hospital chains and private equity firms – but no one else. Medicare for All would ensure everyone in America can get the care they need throughout their lives. It is the realistic, humane, just and efficient reform we need.”

“Postal workers know the value of affordable, universal services, grounded in a commitment to putting people over profits. That’s the type of service we are committed to provide communities across the country, day in and day out,” said Mark Dimondstein, President of American Postal Workers Union. “For too long, greedy corporations and their Wall Street investors have been able to deny the people of the country the quality, affordable, universal health care working people deserve. Medicare for All, health care as a human right, will make us all healthier and financially better off. A health care system that works for working people, not the profits of the insurance companies, is long overdue. It’s time for Medicare for All.”

“Health care should be a human right. But every time we negotiate with a boss for the right to see a doctor, they nickel and dime us until people have to choose between their health and putting food on the table,” said Shawn Fain, President of the International Union, United Automobile, Aerospace and Agricultural Implement Workers of America (UAW). “We’re sick of having to go on strike just to have decent health care. We’re sick of corporate America asking us to give up raises, retirement security, or work-life balance at the bargaining table so working-class people can avoid medical bankruptcy. Our current health care system is a con job that only works for the billionaire class. Medicare for All is common sense, and it’s what the working class needs. The UAW is proud to support this bill.”

“If you want to renew the public’s faith in our political system, pass the Medicare for All Act of 2025,” said Alan Minsky, Executive Director, Progressive Democrats of America. “This one piece of legislation will instantly end the era, which has lasted far too long, when profits and wealth accumulation are more important than human life, including yours. MFA will return the general welfare, and the well-being of every individual, to the heart of our social contract. That will renew faith in America.”

“Health care is a right, not a privilege. The reintroduction of the Medicare for All Act is a crucial step toward ending a system that profits from people’s pain,” said Analilia Mejia and DaMareo Cooper, Co-Executive Directors of Popular Democracy. “Too many Americans are forced to choose between paying their rent and paying for life-saving medication, while corporations rake in billions. Medicare for All isn’t just a policy—it’s the lifeline working families desperately need. Our communities deserve a health care system that prioritizes people over profits. We will fight until we win the health care we deserve.”

“Health care is a human right and a basic need. Yet instead of getting health care, Americans get delays, denials, and bills they cannot afford. Today, predatory insurance CEOs are poised to reap the windfall from the tax scam giveaways earmarked for billionaires and corporations. The oligarchs that put Donald Trump and Dr. Oz in power want everything we have. We get sicker, make impossible choices, and go broke. They boost the stock prices of corporations – like UnitedHealth – that profit off our pain, and buy more mansions and yachts. We can put an end to those warped priorities through Medicare for All,” said Sulma Arias, executive director of People’s Action Institute. “Working people have made this the wealthiest nation in the history of the world, and there is more than enough if we don’t let the corporate crooks and billionaires steal it. So it’s time to choose: Our health care or their greed?”

Senator Padilla has long been a leader in the fight to make health care more equitable in the United States. Last year, Padilla, Senator Hirono, and Senator Booker introduced the Health Equity and Accountability Act (HEAA) of 2024 to address health disparities among racial and ethnic minorities as well as women, the LGBTQ+ community, rural populations, and socioeconomically disadvantaged communities across the United States. Additionally, Padilla and Booker introduced the Equal Health Care for All Act, bicameral legislation that would make equal access to medical care a protected civil right to help address the racial inequities and structural failures in America’s health care system.

Full text of the bill is available here.

MIL OSI USA News –

April 30, 2025
MIL-OSI New Zealand: Employment – Home Support Workers to strike over poor pay, ‘broken’ system – PSA

Source: PSA

Nearly 1000 support workers from one of the country’s largest home support companies are walking off the job tomorrow to protest chronically low pay and a recent attempt by their employer to claw back staff conditions.

Access Community Health support workers will strike from 12-2pm on Thursday, 1 May – International Workers’ Day – the same day as senior doctors and Auckland City Hospital’s perioperative nurses will also walk off the job.

“For the first time in nearly 20 years, our members have overwhelmingly voted to take strike action,” Public Service Association Te Pūkenga Here Tikanga Mahi assistant secretary Melissa Woolley says.

“Despite receiving increased public funding, Access Community Health have put up an insulting offer: no pay increase, introducing 90-day trials, reducing sick days, and taking away qualifications pay steps undermining the integrity of the 2017 care and support worker pay equity settlement.”

Most workers are on minimum wage or slightly above, but none have received a pay increase for nearly two years.

The strike follows a two-hour stop-work meeting undertaken by workers on 15 April.

“Home support workers are an incredibly dedicated group of people – it takes a lot for them to walk off the job,” Woolley says.

“But they recognise that the incredible strain on health workers is not acceptable or sustainable – as do New Zealand’s senior doctors and nurses, who are also striking tomorrow.

“The fact that Access workers are all taking industrial action tomorrow alongside senior doctors and perioperative nurses really highlights how broken the system is.”

An anonymous Access Community Health worker says that their work is hugely under-valued.

“We are paid minimum wage to deliver essential care, 24/7 and 365 days a year. Our phones are always ringing because our employer cannot attract and retain staff at their current pay rates.

“The sad thing is that while we are burnt out, we know that if we don’t provide the care then no-one will. At the end of the day, our clients are the ones that miss out.”

Support workers play an essential role within healthcare, providing in-home care for everyone from the elderly to those with mobility issues or recovering from surgery.

Their duties include using hoist equipment to lift clients, managing hygiene, administering medication, personal cares and liaising with other healthcare professionals on any changes in their clients.

MIL OSI New Zealand News –

April 30, 2025
MIL-OSI New Zealand: Reawakening Manu-kau Noa Iho / Hayman Park
Source: Auckland Council

From late April to December 2025, parts of Hayman Park in Manukau will be temporarily closed for work to further enhance its green spaces.

This will finish the full upgrade of the park and go well with the much-loved playground, which was upgraded in 2023.

Upgraded Manu-kau Noa Iho / Hayman Park playground, completed in 2023. Image: Eke Panuku.

Once a thriving wetland that filtered water before it reached Waipuhinui (Puhinui Stream), and the Manukau Harbour, Manu-kau Noa Iho / Hayman Park was a vital hub for native fish, birds, insects, and plants.

Working alongside Te Ākitai Waiohua, Ngaati Tamaoho, and Ngaati Te Ata Waiohua, Auckland Council’s Healthy Waters and flood resilience teams, the Ōtara-Papatoetoe Local Board and Eke Panuku Development Auckland are bringing this natural taonga (treasure) back to life. Rejuvenating the land and its ecosystems, preserving it as a thriving, living space for future generations.

The Manu-kau Noa Iho / Hayman Park Wetland project is a part of the Puhinui Regeneration Strategy, this project is led by Eke Panuku and proudly supported by the Ōtara-Papatoetoe Local Board.

Manukau Ward Councillor Lotu Fuli says, “This incredible project, over a decade in the making, would not be possible without the hard work of our Mana Whenua, Eke Panuku, Healthy Waters and Flood Resilience, the design team, and the wider Auckland Council whānau. A special thanks to the Ōtara-Papatoetoe Local Board for their ongoing advocacy and leadership. As we restore the land to its original wetland form, we ask for the community’s patience and understanding. Some areas of the park will be closed, so please respect the barriers for safety during this important work.”

Manu-kau Noa Iho / Hayman Park Repo (wetlands) project will rejuvenate the land and its ecosystems – keeping Manukau’s green heart healthy for future generations. Image: Eke Panuku.

Ōtara-Papatoetoe Local Board Chair Apulu Reece Autagavaia adds, “Currently there is a stagnant dead pond located on the park. It serves no purpose. Under this project, the wetlands will be revived, and we hope a habitat for our flora and fauna to live and thrive in. This is whakaoranga – bringing back to life.”

A whakaawatea karakia (blessing) in action. Image: Eke Panuku.

Manu-kau Noa Iho / Hayman Park holds deep cultural significance, particularly for local iwi Te Ākitai o Waiohua, Ngaati Te Ata Waiohua, and Ngaati Tamaoho.

A stunning shot of the whakaawatea karakia (blessing). Image: Eke Panuku.

Richard Davison, Priority Location Director at Eke Panuku says “This project has been a long time in the making, and it’s incredibly special to see it come to life. Hayman Park has always been the green jewel at the heart of Manukau, and now we’re helping it shine even brighter.”

From the park to the Auckland Botanic Gardens and beyond, new walking and cycling connections are being strengthened, along with deeper ties to nature.

Artist impression of the revived wetlands at Manu-kau Noa Iho. Image: Eke Panuku.

Why does this work need to be done?

Manu-kau Noa Iho / Hayman Park’s stormwater ponds were originally built in 1975 as part of the former Manukau City Council’s development of the city centre.

Over time, issues with sediment build-up, bank stability and litter have begun to cause problems with the ponds. It was agreed that a natural treatment process in the form of a wetland and installing a litter-capturing device would deliver the most effective solution for a cleaner, healthier environment.

What features are planned?
- A new repo (wetland) filled with native planting and rich in wildlife habitat that will improve water quality before it flows into Te Puhinui and the Manukau Harbour
- Replacing the existing ornamental pond with a new grass area for people to rest, enjoy or that can be activated through small events
- Build wider footpaths, boardwalks, and viewing platforms to help people reconnect with nature.
These features will help to clean stormwater before it flows into the Puhinui Stream and Manukau Harbour.

A nice view of the park featuring a calm pond area. Image: Eke Panuku.

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MIL OSI New Zealand News –
April 30, 2025
MIL-OSI USA: Cramer Highlights Importance of Veteran Access to Suicide Prevention Services at Senate Committee Hearing

US Senate News:

Source: United States Senator Kevin Cramer (R-ND)
***Click here to download video. Click here for audio.***
WASHINGTON, D.C. – The Senate Veterans’ Affairs Committee (SVAC) held a hearing today to discuss the importance of enhancing outreach to better support the mental health of veterans across the nation.
During the hearing, U.S. Senator Kevin Cramer (R-ND) questioned Dr. Thomas O’Toole, Acting Assistant Under Secretary of Health for Clinical Services at the Veterans Health Administration, about the U.S. Department of Veterans Affairs (VA) Staff Sergeant Parker Gordon Fox Suicide Prevention Grant Program (SSG Fox SPGP). Cramer also asked Dr. O’Toole about his legislation, the Every State Counts for Veterans Mental Health Act.
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Cramer and U.S. Senator Chris Coons (D-DE) introduced the bipartisan Every State Counts for Veterans Mental Health Act earlier this month to provide priority consideration of SSG Fox SPGP applications to entities in states which have not previously received a grant. Neither North Dakota nor Delaware, or entities serving these states, have received any funding.
The SSG Fox SPGP represents a key program to proactively reach veterans in their communities before a mental health crisis presents. While Cramer said he strongly supports the intent of the program, he is concerned many veterans are being missed due to the current distribution of funds.
“Neither North Dakota nor Delaware received any of the funds, despite a very, very good application,” said Cramer. “Particularly the one I’m most familiar with, the state of North Dakota through the North Dakota Department of Veterans Affairs.”
Cramer further highlighted how there are many qualified entities who may not get selected for the SSG Fox SPGP. He said his legislation is a simple, one-time adjustment.
“[The Every State Counts for Veterans Mental Health Act] recognizes that a couple of states didn’t receive funds from the program, and we want to prioritize states that haven’t received funds previously,” said Cramer. “It’s a one-time deal. We want to get these other states in the loop, so to speak, and then clear the deck, particularly very rural states. North Dakota is a big state, a 350– by about 200- miles rectangle in the middle of the North American continent. Literally, we have a monument to prove it, and a lot of miles between veterans. But 55,000 of them need this service. We think that’s pretty important criteria.”
Cramer said he has read the VA’s objections to his legislation and some of them reference multiple applicants within the state.
“I think when it comes to an entire state, regardless of the small population, is after all why there are two senators from every one of them,” concluded Cramer. “That every state does matter. Our founders made sure of that. I just think it’s worth fixing in a way that prioritizes states that have not received funding previously and just adding that. It’s not complicated. […] It’s very simple, and we want to make it simple.”
Dr. O’Toole said the department is interested in working with SVAC to figure out a good way to approach changes to the program.

MIL OSI USA News –

April 30, 2025
MIL-OSI Security: Statement Of U.S. Attorney Jay Clayton On The Verdict In U.S. V. Omnicare And CVS Health Corporation

Source: Office of United States Attorneys

False claims in the healthcare industry cost every American. Today, a unanimous jury found Omnicare, the country’s largest long-term care pharmacy, liable for fraudulently dispensing drugs without valid prescriptions to elderly and disabled people in assisted living facilities and other residential long-term care facilities. After a four-week trial, the jury found that Omnicare billed Medicare, Medicaid, and TRICARE for over three million false claims resulting in $135,592,814 in damages. Under the federal False Claims Act, the Government is entitled to three times the amount of these assessed damages, or $406,778,442, plus statutory penalties to be determined by the Court. This is one of the largest damages verdicts rendered by a jury in a False Claims Act case. The jury also found CVS Health Corporation, Omnicare’s parent, liable for causing Omnicare to submit false claims. I thank the women and men of our Civil Division for continuing to pursue those who seek to exploit the healthcare system. I also thank the U.S. Department of Health and Human Services and the Department of Defense for their support and assistance throughout this case.

MIL Security OSI –

April 30, 2025
MIL-OSI USA: Kaine Leads Colleagues in Releasing Report Highlighting Harm to Seniors and People with Disabilities During Trump’s First 100 Days

US Senate News:

Source: United States Senator for Virginia Tim Kaine

WASHINGTON, D.C. – Today, U.S. Senators Tim Kaine (D-VA), Bernie Sanders (I-VT), and Angela Alsobrooks (D-MD), members of the Senate Health, Education, Labor & Pensions (HELP) Committee, released a report highlighting President Trump’s first 100 days in office and his disastrous policies hurting older Americans and people with disabilities. The report details Republican attacks on Medicare, Medicaid, and Social Security; the mass layoff of federal employees at the Department of Health and Human Services (HHS), Department of Education (ED), and Social Security Administration (SSA); and proposals to further cut funding for programs that Americans rely on, including the Supplemental Nutrition Assistance Program (SNAP), Temporary Assistance for Needy Families (TANF), and Low-Income Home Energy Assistance Program (LIHEAP).

“During President Trump’s first 100 days in office, he has enacted horrendous policies that will have negative consequences for Americans for decades to come,” said Kaine. “Today, I’m releasing this report with my colleagues highlighting the reprehensible harm that President Trump and his Administration have caused for older Americans and people with disabilities. From gutting HHS and other federal agencies to rolling back policies that make it easier for Americans to access health care and afford prescription drugs, the Trump Administration has made it clear that they do not care about the well-being of our nation’s seniors or people with disabilities. I’ve heard from older Americans and individuals with disabilities in Virginia, including at a recent roundtable in Wytheville, about their concerns with what the Trump Administration is doing. I will keep pushing to protect important federal programs that support older Americans and people with disabilities, and fight against Republican proposals to slash Medicare, Medicaid, and Social Security.”

“In his first 100 days, Mr. Trump has made it abundantly clear that seniors and people with disabilities do not matter. Instead of protecting the programs and services working families rely on, Trump is getting ready to give more tax breaks for billionaires, while making it harder for Americans to access Medicare, Medicaid, Social Security & veterans benefits. That is morally obscene,” said Sanders.

“Just last week, RFK callously called for a ‘registry’ of people with autism. He’s spent 100 days firing scientists and working with this Administration to rob research facility dollars used to cure cancer and Alzheimer’s. His boss Donald Trump is trying to gut Medicaid to pay for billionaire tax cuts at the expense of vulnerable communities. It is clear that those who have been leading our country these last 100 days and making decisions about our health care are not only wildly unqualified, they are dangerous. Our families deserve better, we are sick of it,” said Alsobrooks.

The full report is available here.

MIL OSI USA News –

April 30, 2025
MIL-OSI USA: Senator Marshall: 100 Days of Promises Made, Promises Kept by President Trump

US Senate News:

Source: United States Senator for Kansas Roger Marshall

Washington – U.S. Senator Roger Marshall, M.D. (R-Kansas) released a video today highlighting the wins President Trump has delivered for Kansans – and Americans nationwide – in his first 100 days.

Click HERE to watch Senator Marshall’s video.
Transcript of Senator Marshall’s remarks:
“Well, folks, I don’t know about you, but these first 100 days with President Trump [have] been nothing but a bold blur. At the same time, though, these have been some of the most consequential days in American history. And as I think back on them, there’s one theme: promises made, promises kept.
“You know, more than anything else, President Trump campaigned to secure your border. Now think about this, under Joe Biden, there [were] over 10,000 crossings in a day on many days, but under President Trump, he’s now averaging under 300 per day. That’s a drop from 10,000 per day to 300 per day. Promise made, promise kept.
“President Trump also said he’s going to make your family safer. To that end, he’s deported over 130,000 violent criminal aliens. All over the state of Kansas, when I talk to law enforcement officers, they tell me that crime is coming down, and the fentanyl poisoning is coming down as well. Another promise made and another promise kept.
“President Trump also said he would bring down the price of gas and groceries. Now, it wasn’t too long ago here in DC that gas was over $5 a gallon, and back home, it was typically over $4 a gallon. Today, all over the state of Kansas, the price of gasoline is approaching two and a half dollars a gallon. Again, this went from $5, $4 a gallon down to two and a half dollars a gallon. That’s another promise made, and another promise kept.
“Well, what else did President Trump promise? Well, he also said that he was going to take care of the EV mandate. He’s going to slow the green energy transition and end boys in girls’ sports. All those he’s accomplished, and through DOGE, he saved Americans billions of dollars. On the world stage, he’s withdrawn us from the World Health Organization and the Paris Climate Agreement – both of those, again, putting America first.
“But what I’m really, really, really excited about in these first 100 days, President Trump has secured a $7 trillion investment in America… And what that means to me is more jobs, more good jobs for hard-working Americans. Again, the first 100 days… promises made, promises kept.”

MIL OSI USA News –

April 30, 2025
MIL-OSI USA: Gillibrand, Sanders, Wyden, Baldwin Slam Trump Administration’s Plan To Dismantle Federal Agency That Helps Seniors Live Independently, Stay In Their Homes As They Age
US Senate News:
Source: United States Senator for New York Kirsten Gillibrand

Administration For Community Living Provides Assistance To Senior Citizens And Americans With Disabilities To Age In Place

Today, U.S. Senators Kirsten Gillibrand, Bernie Sanders, Ron Wyden, and Tammy Baldwin led a group of 22 senators in slamming Secretary of Health and Human Services Robert F. Kennedy Jr.’s decision to dismantle the Administration for Community Living (ACL), a critical federal agency that helps seniors and people with disabilities live independently and fully participate in their communities. ACL provides home-delivered and congregate meals for older adults, Medicare enrollment assistance, peer supports, community living activities, and support for family caregivers, among other functions. The Trump administration recently announced that it would dismantle the agency, fire over half its workforce, and scatter its functions across several different agencies. The lawmakers are calling on Secretary Kennedy to halt this shortsighted effort that will cause tangible and enduring harm to older adults and people with disabilities.

“For over a decade, ACL and its expert staff have coordinated services across federal, state, and local governments to ensure that older adults and people with disabilities live healthy, connected, independent lives in the community,” wrote the senators. “In fact, ACL saves the Federal government and taxpayers money by keeping older adults and people with disabilities out of institutions; for example, it costs less to feed a senior for an entire year through the Older Americans Act than it does for a senior to spend one night in a hospital. Transferring ACL programs to the Administration for Children and Families, Assistant Secretary for Planning and Evaluation, and Centers for Medicare & Medicaid Services—also reeling from your devastating staffing reductions— will create havoc and disrupt delivery of bipartisan supported programs such as home-delivered and congregate meals for older adults, Medicare enrollment assistance, peer supports, community living activities, and interventions to support family caregivers.”

The senators added, “Interruption to nutrition programs means millions of older adults may go hungry without the over 220 million meals they rely on. 53 million family caregivers will be left without support, forcing some to leave the workforce to care for their loved ones. Vital evidence-based research and services for people with developmental disabilities will be in jeopardy. Your illegal attempt to dismantle ACL will have far-reaching implications…We strongly urge HHS to consider the needs of seniors, people with disabilities, and those who care for them, and halt this effort to dismantle ACL.”

The letter was signed by Senators Chuck Schumer (D-NY), Bernie Sanders (D-VT), Ron Wyden (D-OR), Tammy Baldwin (D-WI), Amy Klobuchar (D-MN), Mazie Hirono (D-HI), Lisa Blunt Rochester (D-DE), Chris Coons (D-DE), Tammy Duckworth (D-IL), Jeff Merkley (D-OR), Jack Reed (D-RI), Mark Kelly (D-AZ), Angela Alsobrooks (D-MD), Andy Kim (D-NJ), John Fetterman (D-PA), Ruben Gallego (D-AZ), Richard Blumenthal (D-CT), Tim Kaine (D-VA), Elizabeth Warren (D-MA), Raphael Warnock (D-GA), and Mark Warner (D-VA).

The full text of the letter to Secretary Kennedy is available here or below:

Dear Secretary Kennedy,

We are writing in opposition to the proposed dismantling of the Administration for Community Living (ACL) as outlined in the Department of Health and Human Services (HHS) fact sheet on March 26, 2025. ACL is essential to administering the critical programs established and funded by Congress that ensure older adults and people with disabilities can live in their communities with the dignity, security, and independence they deserve. Scattering its functions among several different agencies and firing over half of its workforce is in direct conflict with the fiscal year 2025 appropriations bill that Congress just passed and will cause tangible and enduring harm to older adults and people with disabilities.

The vague proposal to improve “efficiency” by shuttering ACL will achieve the exact opposite. ACL was created in 2012 to bring together the Administration on Aging, the Office on Disability, and the Administration on Developmental Disabilities to enhance coordination of services.

For over a decade, ACL and its expert staff have coordinated services across federal, state, and local governments to ensure that older adults and people with disabilities live healthy, connected, independent lives in the community. In fact, ACL saves the Federal government and taxpayers money by keeping older adults and people with disabilities out of institutions; for example, it costs less to feed a senior for an entire year through the Older Americans Act than it does for a senior to spend one night in a hospital. Transferring ACL programs to the Administration for Children and Families, Assistant Secretary for Planning and Evaluation, and Centers for Medicare & Medicaid Services—also reeling from your devastating staffing reductions— will create havoc and disrupt delivery of bipartisan supported programs such as home-delivered and congregate meals for older adults, Medicare enrollment assistance, peer supports, community living activities, and interventions to support family caregivers.

ACL was created to further the fundamental principle that older adults and people with disabilities should be able to live independently and fully participate in their communities. ACL has grown significantly since its creation in 2012 as it took on programs Congress transferred from other agencies. These functions include a research institute, independent living, assistive technology, and traumatic brain injury programs; paralysis and limb-loss resource centers; and programs to assist in the navigation of Medicare benefits and the health care system.

Last month Congress passed a fiscal year 2025 appropriations bill that provides funding for ACL to continue to carry out these important functions and programs. The proposed reorganization is a brazen disregard of that law. HHS has always worked closely with Congress on reorganizations such as this, including in the establishment of ACL. This time, HHS has refused to provide any information to Congress or the American people regarding exactly how these changes would take place, and how they would be enacted without resulting in delays in the implementation of programs, activities, and functions Congress just funded and tasked ACL with carrying out. There have been reports that the Department fired the entire staff of the Office of Grants Management, which raises additional concerns about how funding will reach the thousands of community-based organizations that rely on it. The obvious conclusion is these are haphazard changes, and HHS has not considered the impact they will have on older Americans and people with disabilities. You claim a mission of making Americans healthier and a commitment to “radical transparency” but both of those assertions fall flat with this proposal.

Any interruption to the effective delivery of programs administered by ACL will have detrimental consequences. For example, a breakdown in adult protective services, long-term care ombudsman programs, and other protection and advocacy programs means that older adults and people with disabilities will be more vulnerable to abuse and neglect. Interruption to nutrition programs means millions of older adults may go hungry without the over 220 million meals they rely on. 53 million family caregivers will be left without support, forcing some to leave the workforce to care for their loved ones. Vital evidence-based research and services for people with developmental disabilities will be in jeopardy. Your illegal attempt to dismantle ACL will have far-reaching implications.

ACL is critical to safeguarding the self-determination of older adults and people with disabilities. These populations should not have their decision-making power undermined and government programs they depend on put at risk simply because you decided that burying these programs within other agencies would be “more efficient.” An overwhelming majority of people prefer to live and age in their own homes where they can continue to be active members of their communities. The resources and programs administered by ACL are critical to achieving that goal, and dismantling ACL will undoubtedly harm efforts to ensure that people with disabilities and older adults can maintain and accomplish such goals.

We strongly urge HHS to consider the needs of seniors, people with disabilities, and those who care for them, and halt this effort to dismantle ACL. While we strongly oppose the decision to dismantle ACL, it is critical that HHS be transparent and provide information to Congress and the American public about the steps it is taking and plans to take with regard to ACL and all of its functions. Please respond to the following questions by April 30, 2025.
1. How many ACL employees have been fired, put on administrative leave, accepted the deferred resignation program offer, or accepted the VERA/VSIP offer since January 20, 2025?
  
  Please provide a complete breakdown by office and position. For each category of employee at each office, provide information on GS level and veteran status, and clearly state the justification for termination. Include employees who have since been reinstated or placed on administrative leave, noting that change in status. Please provide the latest data available.
  
  How many ACL employees remain in force as of April 21, 2025? How many ACL employees were fired on April 1 and have subsequently been rehired?
1. Several positions at ACL are required in statute, including the Assistant Secretary on Aging and the Administrator of ACL. Please explain how HHS will remain in compliance with relevant statutes, including but not limited to the Older Americans Act and the Rehabilitation Act of 1973, following the restructuring of the agency.
1. Provide a detailed list of all programs implemented by ACL in fiscal year 2024 and either the agency or office that HHS proposes to transfer them to or whether the program will be eliminated entirely. Include an explanation for each, addressing HHS’s decision to either eliminate a program, or to transfer a program to a new agency or office, including HHS’s reasoning on why the chosen agency or office should administer it and how that will improve the delivery of services for older Americans and people with disabilities.
  
  If changes will be made to any program (e.g., reduction of scope, cancellation of grants, contracts, or cooperative agreements) describe the consultation process HHS conducted with stakeholders, including career subject matter experts within HHS, organizations representing older adults and people with disabilities, and the expected consequences of such changes to the program.
  
  Did HHS consult with subject matter experts and external stakeholders before changing the structure of ACL? If so, what concerns did HHS career subject matter experts and external stakeholders raise about cancelling, transferring, or changing programs implemented by ACL? If not, why did HHS not engage in a transparent process to seek comment on such a significant restructuring that would dissolve ACL into other HHS agencies or offices? Please provide unredacted copies of any written documents detailing concerns about transferring, cancelling, or changing ACL programs as a consequence of HHS’s planned reorganization, including e-mails, texts, letters, memorandums, and other documents with HHS subject matter experts and external stakeholders.
1. For ACL programs that HHS proposes to transfer to another agency or office, describe how HHS would uphold all the statutory requirements currently under ACL’s purview once its functions are transferred to other agencies or offices.
1. For ACL programs that HHS proposes to transfer to another agency or office, describe how the receiving agency or office will find the necessary expertise to ensure effective operation of programs, including:
1. Existing content expertise of the program at the receiving agency or office.
2. Expertise at the receiving agency or office in coordination between stakeholders and state and local government and any other partners.
3. Any feedback that career employees at the receiving agency have provided regarding their capacity to take over the transferred programs, especially in light of recent, or planned, reduction in force efforts including firings, resignations, and buy-outs.
1. Explain how your decision to decimate ACL—the agency created to reduce duplication of programmatic efforts—will increase efficiency.
1. Which organizations representing older adults, people with disabilities, and state and local governments did HHS consult with to reach its determination that eliminating ACL would increase efficiency?
2. If HHS did not consult with groups representing older adults, people with disabilities, and state and local governments before reaching its determination that ACL would increase efficiency, please explain why HHS did not engage in a transparent process with impacted stakeholders before dissolving ACL.
1. How will you monitor the impact of transitioning programs on the lives of older adults and people with disabilities? Please include:
1. Variables to be measured and methods for assessment.
2. How HHS will include feedback, when determining the impact of its changes, from older adults and people with disabilities, and the organizations that represent them.
3. How HHS will include feedback, when determining the impact of its changes, from state and local governments and the organizations that represent them.
1. We understand that HHS will eliminate all ACL staff from HHS regional offices.
2. Can HHS confirm that there will be no ACL staff at HHS regional offices?
3. How does HHS intend to replace or address the critical functions of ACL regional staff, including technical expertise, support, and administration of Older Americans Act State and Tribal grant programs, and disaster response coordination, with the elimination or reduction in ACL regional staff?
4. How will HHS execute ACL’s fiscal year 2025 appropriations, given it explicitly funded ACL to carry out specific authorized activities, programs, and functions? Does HHS proposed reorganization include any transfer of funds?
MIL OSI USA News –
April 30, 2025
MIL-OSI New Zealand: Pilot project delivers promising results for sustainable urban design

Source: Auckland Council

Advocates for living roofs, those lush, plant-covered patches of green on our city buildings, have long championed these slices of eco-paradise in our urban jungle. Now, thanks to a pioneering project between Auckland Council and the University of Auckland, we have the data to prove their value.

The Living Roof Monitoring project was launched to assess how well these verdant rooftops perform compared to conventional ones. After months of careful monitoring, the results highlight their effectiveness as a sustainable urban solution.

Stormwater superstars

Auckland Council’s Senior Healthy Waters Specialist Rachel Devine highlights the global success of integrating nature into urban infrastructure. She explains that planting vegetation on rooftops is one of the ways that cities can effectively absorb rainfall, reduce flooding and mitigate the stormwater network from becoming overwhelmed.

“But now, having the local data to back this up gives us context that is relevant to Auckland’s climate and environment,” Ms Devine says.

University of Auckland Professor Asaad Shamseldin who leads the research with Dr Kilisimasi Latu and Dr Conrad Zorn, is pleased with the robust dataset collected by the team’s PhD students Aung Naing Soe and Sihui Dong, which focuses on assessing the benefits of plants over conventional coverings on rooftops.

Their findings show living roofs significantly reduce stormwater runoff, with some substrate types retaining nearly 80 per cent of rainfall, even during heavy downpours. And that almost every drop is retained in light rainfall, demonstrating the excellent absorption potential of these gardens.

Chair of the Policy and Planning Committee Councillor Richard Hills says the findings of this research are very promising for roof gardens, helping to prevent flooding and water pollution in built-up urban areas like the inner city.

“This preliminary research indicates that if we could retrofit roof gardens all over Auckland’s city centre it would not only enhance our place as a clean green city on the global stage but would also be a viable aid in reducing heat and help prevent or reduce flooding in parts of the city centre.

“It would also make the city look more beautiful for residents in high rise apartments, staying in hotels or working in offices and provide tangible environmental benefits, including providing habitats for native plants and birds.

“Stormwater run-off in the city centre also contributes to the pollution of the Waitematā and the Hauraki Gulf, and these findings point to roof gardens curtailing much of this run-off into our precious oceans and harbours.

Nature’s air conditioner: cooling our concrete jungles

Professor Shamseldin adds it is important to remember living roofs aren’t just about stormwater management; they are also very effective at keeping things cool.

“When urban temperatures rise, green roofs act like nature’s air conditioners,” says Professor Shamseldin.

In Auckland’s hottest months, when temperatures can exceed 25°C, the data shows living roofs lower rooftop surface temperatures by an impressive 32 per to 56 per cent. The research even uncovered a surprising ally in urban cooling: the wind.

“During the day, sea breezes help cool green roofs and delay peak temperatures, while at night, city-to-sea winds help reduce the temperature difference between green and conventional rooftops,” explains Associate Professor Shamseldin.

This translates to tangible energy savings for buildings and a potential reduction in the Urban Heat Island effect – truly, a breath of fresh air from above.

A living legacy: onshore islands

The pilot study was inspired by Auckland’s Central City Library living roof, a project developed in partnership with Ngāti Whātua Ōrākei that was launched five years ago.

Featuring over 2,000 hardy native plants, the roof reflects a shared commitment to enhance urban biodiversity and live in harmony with te taiao (the natural world).

Native grasses flourishing in the Auckland Central Library living roof.

“Kaupapa like this green roof are examples of cultural infrastructure, they integrate nature into our cities and allow us to actively elevate the mauri of our taiao,” says Etienne Neho of Ngāti Whātua Ōrākei.

Greener cities, smarter cities: a vision for the future

This collaboration already has the potential to influence Auckland’s future. By providing policymakers and urban planners with data, the project can inform smarter, greener development decisions that enhance urban environments.

“If we want to create a sustainable, healthy city, one that future generations can enjoy – working with nature is a must,” adds Ms. Devine.

“These results prove what we’ve long suspected: nature-based solutions can help our journey towards becoming a more sustainable and resilient city.”

The research team continues to monitor additional biodiversity benefits, and more updates will follow as the data flourishes. Although urbanisation and climate change present numerous challenges, one thing is certain, working with nature is a positive step towards a healthier urban environment.

MIL OSI New Zealand News –

April 30, 2025
MIL-OSI New Zealand: Right-Wing Government Strips Māori Health Safeguards and Pretends Colonisation Never Happened

Source: Te Pati Maori

Right‑wing ministers are waging a campaign to erase Māori health equity by tearing out its very foundations. ACT’s Todd Stephenson dismisses Treaty‑based nursing standards as “off‑track distractions” and insists nurses only need “skill and a kind heart,” despite clear evidence that cultural competence saves lives.

Health Minister Simeon Brown’s funding cuts, hiring freeze and “rightsizing” of hospitals have gutted kaiāwhina and other vital support roles that communities rely on. It’s indefensible to scrap proven Whānau Ora initiatives, like the Winter Preparedness vaccination programme while underperforming mainstream services such as Plunket continue.

Rather than bolster Whānau Ora’s decade‑proven model, that serviced at least 4 million whānau, Māori Development Minister Tama Potaka defended re-tendering that puts hundreds of community jobs, and hard work they did on the chopping block.

“By pretending colonisation never happened and framing equity as separatism, this government is abandoning its Treaty obligations and sacrificing our whānau and the future of Māori,” said Te Pāti Māori Co‑leader and Health spokesperson Debbie Ngarewa‑Packer, “we will not stand by as essential safeguards are stripped away.”

The Government must stop weaponising culture-war rhetoric against Māori and stop hiding behind the fact, they have no solutions to offer to the ongoing causes of inequity in Aotearoa.

MIL OSI New Zealand News –

April 30, 2025
MIL-OSI: iRhythm Technologies to Present at the Bank of America Securities 2025 Health Care Conference

Source: GlobeNewswire (MIL-OSI)

SAN FRANCISCO, April 29, 2025 (GLOBE NEWSWIRE) — iRhythm Technologies, Inc. (NASDAQ:IRTC), a leading digital health care company focused on creating trusted solutions that detect, prevent, and predict disease, today announced the company will be participating in the upcoming Bank of America Securities 2025 Health Care Conference.

iRhythm’s management is scheduled to present on Tuesday, May 13, 2025, 3:40 p.m. Pacific Time/6:40 p.m. Eastern Time. Interested parties may access a live and archived webcast of the presentation on the “Events & Presentations” section of the company’s investor website at investors.irhythmtech.com.

About iRhythm Technologies, Inc.
iRhythm is a leading digital health care company that creates trusted solutions that detect, predict, and prevent disease. Combining wearable biosensors and cloud-based data analytics with powerful proprietary algorithms, iRhythm distills data from millions of heartbeats into clinically actionable information. Through a relentless focus on patient care, iRhythm’s vision is to deliver better data, better insights, and better health for all.

Investor Contact
Stephanie Zhadkevich
investors@irhythmtech.com

Media Contact
Kassandra Perry
irhythm@highwirepr.com

The MIL Network –

April 30, 2025
MIL-OSI Economics: Shionogi’s cefiderocol shows improved outcomes with early use in treating gram-negative infections, reports GlobalData

Source: GlobalData

Shionogi’s cefiderocol shows improved outcomes with early use in treating gram-negative infections, reports GlobalData

Posted in Pharma

Japan-based Shionogi has shared new real-world evidence showing its antibiotic cefiderocol leads to better outcomes when used early to treat serious gram-negative bacterial infections. Presented at European Society of Clinical Microbiology and Infectious Diseases (ESCMID) Global 2025 conference in Vienna, the Retrospective Cefiderocol Chart Review (PROVE) study found that earlier use of cefiderocol, rather than as a last resort, improves cure rates—offering hope in the ongoing fight against antimicrobial resistance (AMR), says GlobalData, a leading data and analytics company.

AMR and the development of new antimicrobials to help combat AMR were the key themes at the ESCMID Global 2025 conference. There were over 100 presentations on these topics, one of which was the noteworthy results of the PROVE study.

Shionogi’s cefiderocol, a cephalosporin that acts as a penicillin binding protein inhibitor, is marketed in the US, EU, and Japan under the brand names Fetcroja/Fetroja for the treatment of various gram-negative bacterial infections.

The PROVE study analyzed over 560 patients in France, Germany, Italy, Spain, and the UK, who had serious gram-negative bacterial infections and were treated with cefiderocol for the first time for at least 72 hours.

The PROVE study showed a 65.3% overall clinical cure rate and the 30-day all-cause mortality (ACM) rate was 25.7%. Cure rates peaked in urinary tract infections (90.4%) and Pseudomonas infections (73.1%) and were lowest in respiratory tract infections (59.2%) and Acinetobacter cases (50.6%). Early use, empiric or targeted, yielded better outcomes than salvage therapy.

Stephanie Kurdach, Infectious Disease Analyst at GlobalData, comments: “The data presented by Shionogi at ESCMID Global 2025 demonstrates that cefiderocol is associated with better clinical outcomes when used earlier in treatment. This also suggests that cefiderocol has the potential to be a new and effective first-line therapy option, which could be particularly useful given the acceleration of AMR and the lack of effective treatment options for severe infections.”

According to the World Health Organization (WHO), bacterial pathogens of utmost public health importance to prevent and control AMR include Acinetobacter baumannii, Enterobacterales, and Pseudomonas aeruginosa, among others, all of which were analyzed in the PROVE study and are highly susceptible to cefiderocol.

Kurdach concludes: “With rising AMR threats and limited treatment options, Shionogi’s data highlights cefiderocol’s potential as a frontline therapy—underscoring the urgency for global stewardship strategies that prioritize early intervention with effective antimicrobials.”

MIL OSI Economics –

April 30, 2025
MIL-OSI USA: Warren Warns Walgreens Buyout by Private Equity May Lead to Pharmacy Closures, Lost Jobs in Massachusetts, Limit Access to Medication

US Senate News:

Source: United States Senator for Massachusetts – Elizabeth Warren
April 29, 2025
Warren seeks assurances from Sycamore Partners that its heavily-leveraged, debt-fueled acquisition of Walgreens will not lead to layoffs, store closures
After private equity looted Steward Health Care hospitals, Warren concerned that Walgreens could be next: “These private equity buyouts of companies facing financial hardship…frequently lead to worse outcomes for employees and consumers.”
Text of Letter (PDF)
Washington D.C. – U.S. Senator Elizabeth Warren (D-Mass.), Ranking Member of the Senate Banking, Housing, and Urban Affairs Committee, wrote to private equity firm Sycamore Partners (Sycamore) regarding concerns that the firm’s proposed acquisition of retail pharmacy chain Walgreens may cost hardworking Massachusetts residents their jobs and create difficulties for patients who need access to lifesaving medications.
Sycamore’s multi-billion-dollar takeover of Walgreens has been touted as an attempt to keep the struggling retail pharmacy chain alive. However, private equity buyouts have a record of running already-struggling companies into the ground and producing devastating consequences for workers and communities, as witnessed by private equity’s looting of Steward Health Care, which resulted in two shuttered hospitals in Massachusetts.
“My primary concern is that Sycamore’s acquisition of Walgreens may lead to restructuring of the company that results in layoffs and pharmacy closures in the Commonwealth,” said Senator Warren.
Walgreens has already announced plans to close nine locations across Massachusetts, in addition to the six stores closed in the state within the past year. Many of the shuttered Walgreens stores are located in vulnerable communities, leaving thousands of residents without reliable pharmacy access.
Sycamore has a troubling history of leading the companies it acquires into bankruptcy, further harming already-struggling communities.
“These private equity buyouts…frequently lead to worse outcomes for employees and consumers: private equity firms sell off assets and close locations, employees lose their jobs, and consumers lose access to essential goods and services,” wrote Senator Warren.
A review by the Private Equity Stakeholder Project (PESP) revealed that the Walgreens buyout will be heavily leveraged with debt, heightening the risk of bankruptcy and threatening the availability of critical services to customers and patients.
“These are deeply troubling conclusions, suggesting that yet another private equity firm might leverage a failing health care chain to turn a profit at the expense of Massachusetts’ patients, providers, and taxpayers,” wrote Senator Warren.
Millions of customers across the United States rely on Walgreens for primary care, essential medications, and household items, and if the Walgreens-Sycamore deal leads to even more store closures, customers could be left in “pharmacy deserts” without access to necessities.
“I seek assurances that Sycamore’s buyout of Walgreens will not damage the company further, and will not cost hardworking Americans their jobs or create difficulties for patients who need access to lifesaving medications,” concluded Senator Warren.
Senator Warren requested a response identifying the impact Sycamore’s acquisition of Walgreens will have on workers and communities by May 13, 2025.
Senator Warren has repeatedly called out the harms of private equity ownership on health care costs and quality of care and has fought to prevent companies from taking advantage of the bankruptcy system:
In February 2025, Senator Warren questioned private equity executive Stephen Feinberg, President of Cerberus Capital Management and nominee for Deputy Secretary of Defense, on his actions to enrich himself and his investors at the expense of Steward Health Care patients and workers.
In October 2024, Senator Warren led colleagues in reintroducing the Stop Wall Street Looting Act, comprehensive legislation to fundamentally reform the private equity industry and level the playing field by forcing private investment firms to take responsibility for the outcomes of companies they take over, empowering workers and protecting investors. This reintroduction comes after private equity firm Cerberus looted Steward Health Care, leaving hospitals, patients, and workers hanging out to dry.
In September 2024, Senators Warren and Markey (D-Mass.), alongside Representatives Auchincloss and Lynch, sent a letter to RHG raising concerns over its proposed acquisition of Steward Health Care’s physician group, Stewardship Health.
In September 2024, Senator Warren urged the IRS to crack down on Real Estate Investment Trusts (REITs) squeezing the health care industry.
In August 2024, Senators Warren and Markey requested information from private equity firm Apollo Global Management (Apollo) on the company’s role in Steward’s bankruptcy, and urged Apollo to work in good faith to facilitate the sale of Steward’s Massachusetts hospitals.
In July 2024, Senators Warren and Markey wrote to Medical Properties Trust and Macquarie Infrastructure Partners, owners of Steward’s eight Massachusetts hospitals, urging them to offer lease concessions to keep the hospitals open and viable.
In June 2024, Senator Warren, Representative Chu, and Representative Nadler urged CMS to increase oversight of artificial intelligence (AI) and algorithmic software tools used to guide coverage decisions in Medicare Advantage (MA) plans, citing the NaviHealth scandal as cause for concern.
In June 2024, Senators Warren and Markey introduced the Corporate Crimes Against Health Care Act of 2024 to root out corporate greed and private equity abuse in the health care system, specifically preventing what happened with Steward from happening again.
In June 2024, Senator Warren wrote to the DOJ, FTC, and HHS calling out high health care costs due to vertically-integrated insurers, private equity companies, and pharmaceutical companies that are driving health care consolidation.
In June 2024, Senators Warren, Brown (D-Ohio), and Markey wrote to the Director of the U.S. Trustee Program (USTP), calling for USTP to move to appoint a Chapter 11 trustee to run the company in place of Steward’s current management, and to monitor the hospitals’ bankruptcy proceedings to protect patients and local communities.
In May 2024, Senator Warren sent a letter to the U.S. Department of Health and Human Services and the U.S. Centers for Medicare & Medicaid Services, urging them to support communities and health care providers affected by the crisis caused by Steward’s financial mismanagement.
In April 2024, Senators Warren and Senator Markey (D-Mass.) sent a letter to six private credit funds that are holders of Steward’s debt, asking them a series of questions about their loans and calling on them to offer loan modifications that could potentially help keep the hospitals afloat.
In April 2024, Senators Warren and Markey called out Medical Properties Trust and Macquarie Infrastructure Partners for exploiting Steward Hospitals, and urged them to help keep the hospitals open.
In April 2024, Senators Warren, Markey, and the rest of the MA delegation urged the FTC and DOJ to closely scrutinize UnitedHealth Group’s proposed acquisition of Steward Health Care’s physician group, Stewardship Health.
In April 2024, Senator Warren delivered remarks at a Senate hearing in Boston titled, “When Health Care Becomes Wealth Care: How Corporate Greed Puts Patient Care and Health Workers at Risk,” which centered on Steward Health Care’s Massachusetts hospitals.
In April 2024, Senators Warren and Ed Markey (D-Mass.) called out private equity firm Cerberus Capital Management (Cerberus) for its role in creating Steward Health Care’s financial challenges, following Cerberus’s reply to the Massachusetts congressional delegation’s February 2024 probe.
In February 2024, Senator Warren slammed UnitedHealth Group for leveraging NaviHealth’s unregulated artificial intelligence algorithm to unlawfully deny health care to seniors with severe injuries.
In March 2024, Senator Warren released a statement about Steward’s plan to sell its physician group Stewardship Health to UnitedHealth Group’s subsidiary Optum.
In March 2024, Senators Warren and Markey sent a letter to Steward CEO and Chairman Dr. Ralph de la Torre, calling on him to testify at a congressional hearing in Boston.
In March 2024, Senators Warren and Markey sent a letter to Dr. de la Torre, blasting him for years of financial mismanagement, private equity schemes, and executive profiteering that have led to Steward Health Care’s financial crisis.
In February 2024, Senators Warren and Markey, along with all nine members of the Massachusetts congressional delegation, sent a letter to Cerberus seeking answers from the private equity firm for its role in creating the current financial challenges at Steward hospitals.
In January 2024, Senator Warren released a statement about Steward’s financial situation and allegations of patient neglect at Steward facilities.
In January 2024, Senator Warren led the Massachusetts congressional delegation in a letter to the CEO of Steward Health Care pressing the company to brief them on Steward’s financial position, the status of their Massachusetts facilities, and their plans to ensure the communities they serve are not abandoned.

MIL OSI USA News –

April 30, 2025
MIL-OSI Security: Jury Convicts Florida Man For Stealing $10.9 Million From Medicare

Source: Office of United States Attorneys

Tampa, FL – United States Attorney Gregory W. Kehoe announces that a federal jury has found Lino Mallari Gutierrez, a/k/a “Joe Gutierrez,” (age, Palm City) guilty of conspiracy to commit health care and wire fraud, conspiracy to violate the federal anti-kickback statute, five substantive counts of health care fraud, and four substantive counts of payment of kickbacks in connection with a heath care program. After the jury verdict, the Court remanded Gutierrez into custody. Gutierrez faces a maximum penalty of 20 years in federal prison. His sentencing hearing is scheduled for July 24, 2025. Gutierrez was indicted on August 22, 2023.

According to testimony and evidence presented at trial, Gutierrez and his co-conspirators, including Jonathan Rouffe, owned and operated two durable medical equipment (DME) companies that collectively billed Medicare more than $10.9 million for medically unnecessary DME, of which more than $5 million was paid to Gutierrez and his co-conspirators. Gutierrez and his co-conspirators paid kickbacks to marketing companies in exchange for signed doctors’ orders for unnecessary braces, which Gutierrez and the co-conspirators then used to bill Medicare. The marketing companies used call centers to solicit Medicare patients and telemedicine companies to procure prescriptions for unnecessary braces for these patients. Gutierrez and Rouffe concealed their role in the scheme by putting the DME companies in the names of straw owners.

As part of the conspiracy to commit health care and wire fraud, Gutierrez also filed false records with his employer and a private regulatory organization to conceal his involvement in the DME companies. Gutierrez and Rouffe were in the process of establishing four more DME companies with additional straw owners—including Gutierrez’s mother and two of Gutierrez’s friends—when the U.S. Department of Health and Human Services – Office of Inspector General (HHS-OIG) and the Federal Bureau of Investigation (FBI) identified the DME fraud through a national operation, which began in the Middle District of Florida, and through which dozens of co-conspirators were identified, charged, and convicted. Prior to law enforcement action, Gutierrez and Rouffe had already taken multiple steps to use these additional DME companies to bill Medicare for additional fraudulent claims. After learning of law enforcement action, Gutierrez moved Medicare proceeds from his account into other bank accounts under his control.

Rouffe previously pled guilty to conspiracy to commit health care fraud. He was sentenced to four years in prison for his role in the fraud scheme.

This case was investigated by the U.S. Department of Health and Human Services – Office of Inspector General and the Federal Bureau of Investigation. It is being prosecuted by Assistant United States Attorney Jennifer Peresie and Trial Attorney Margaret Mortimer of the Department of Justice Criminal Division’s Fraud Section.

MIL Security OSI –

April 30, 2025
MIL-OSI USA: Jayapal, Sanders, Dingell, Hundreds of Health Care Workers Introduce Medicare for All

Source: United States House of Representatives – Congresswoman Pramila Jayapal (7th District of Washington)

WASHINGTON – U.S. Representative Pramila Jayapal (WA-07), U.S. Senator Bernie Sanders (VT), and U.S. Representative Debbie Dingell (MI-06) today introduced the Medicare for All Act with hundreds of nurses, health care providers and workers from around the country at a press conference in front of the Capitol.

In America today, despite spending twice as much per person on health care as other wealthy nations, more than 85 million Americans are uninsured or underinsured, one out of every four Americans cannot afford their prescription drugs, over half a million people go bankrupt due to medically-related debt, and more than 60,000 die because they cannot afford to go to a doctor.

“It is a travesty when 85 million people are uninsured or underinsured and millions more are drowning in medical debt in the richest nation on Earth,” said Jayapal. “We don’t suffer from scarcity in America, we suffer from greed. That’s most clear in our broken health care system, which is why we need Medicare for All. People deserve and want comprehensive health care that covers mental health, long-term care, reproductive care, dental, vision and hearing, all without copays, private insurance premiums, sky-high deductibles or other hidden fees. Health care is a human right, that is exactly why it’s time to pass Medicare for All.”

“The American people understand, as I do, that health care is a human right, not a privilege and that we must end the international embarrassment of the United States being the only major country on earth that does not guarantee health care to all of its citizens,” said Sanders. “It is not acceptable to me, nor to the American people, that over 85 million people today are either uninsured or underinsured. Today, there are millions of people who would like to go to a doctor but cannot afford to do so. This is an outrage. In America, your health and your longevity should not be dependent on your wealth. Health care is a human right that all Americans, regardless of income, are entitled to and they deserve the best health care that our country can provide.”

“Every American has the right to health care, period. If you’re sick, you should be able to go to the doctor without being worried about the cost of treatment or prescription medicine. Too many families must decide between putting food on the table and getting medical care that they desperately need,” said Dingell. “A health care system that ties coverage to employment will always leave patients vulnerable. It’s flat-out wrong and Medicare for All would put a stop to it. We’ve been fighting this fight since the 1940s, when my father-in-law helped author the first universal health care bill. It’s time to get this done.”

Under this legislation, Medicare would provide comprehensive health care to every American with no premiums, no co-payments and no deductibles. It would also expand Medicare to include dental, hearing, and vision care, and it would give every American the freedom to choose their doctors without endless paperwork or fighting their insurance company. The Congressional Budget Office has estimated that Medicare for All would save our health care system $650 billion a year. Further, researchers at Yale University have estimated that Medicare for All would save 68,000 lives a year.

This legislation would also create a health care system that finally puts people over profits. In fact, since 2001, the top health care companies in America spent 95 percent of their profits, $2.6 trillion, not to make Americans healthy but to make their CEOs and stockholders obscenely rich. While nearly one out of four Americans cannot afford the life-saving medicine their doctors prescribe, ten top pharma companies made $102 billion in profits in 2024. Meanwhile, the CEOs of just 4 prescription drug companies – Pfizer, Johnson & Johnson, Eli Lilly, and Merck – together made over $100 million last year.

“Nurses see the failure of our country’s profit-driven health care system every time we clock in to work,” said Nancy Hagans, President of National Nurses United. “In the richest country on earth, nobody should be forced to choose between taking their medications and putting food on the table. Yet countless families are pushed to the breaking point while greedy corporations charge astronomical, ludicrous fees for care that our patients have every right to receive. Nurses are fighting for a future in which our patients’ health is put first always and that’s why we are proud to continue our support for Medicare for All. When we guarantee health care for all, corporations and billionaires will no longer be able to deny anyone the care that they need.”

“We are long overdue for a universal health care system that guarantees care for all — free of copays, deductibles, and job-based coverage restrictions,” said Dr. Diljeet K. Singh, M.D., Dr.P.H., and President of Physicians for a National Health Program. “With the passage of the Medicare for All Act, physicians can focus on healing patients, not battling insurers over denials and delays. Patients will finally be able to seek care without the constant fear of crushing medical bills. Physicians for a National Health Program proudly stands with our legislators in the fight to make excellent health care a reality for everyone in America.”

“As Donald Trump, Robert Kennedy and Congressional Republicans rush to strip health care from millions of Americans, we know this: We must not only block their cruel cuts but move America to a system that provides health care to everyone as a matter of right,” said Robert Weissman, co-president of Public Citizen. “America spends much more than other wealthy countries on health care only to have the worst health outcomes. The system works for health insurers, Big Pharma, hospital chains and private equity firms – but no one else. Medicare for All would ensure everyone in America can get the care they need throughout their lives. It is the realistic, humane, just and efficient reform we need.”

“Postal workers know the value of affordable, universal services, grounded in a commitment to putting people over profits. That’s the type of service we are committed to provide communities across the country, day in and day out,” said Mark Dimondstein, President of American Postal Workers Union. “For too long, greedy corporations and their Wall Street investors have been able to deny the people of the country the quality, affordable, universal health care working people deserve. Medicare for All, health care as a human right, will make us all healthier and financially better off. A health care system that works for working people, not the profits of the insurance companies, is long overdue. It’s time for Medicare for All.”

“Health care should be a human right. But every time we negotiate with a boss for the right to see a doctor, they nickel and dime us until people have to choose between their health and putting food on the table,” said Shawn Fain, President of the International Union, United Automobile, Aerospace and Agricultural Implement Workers of America (UAW). “We’re sick of having to go on strike just to have decent health care. We’re sick of corporate America asking us to give up raises, retirement security, or work-life balance at the bargaining table so working-class people can avoid medical bankruptcy. Our current health care system is a con job that only works for the billionaire class. Medicare for All is common sense, and it’s what the working class needs. The UAW is proud to support this bill.”

“If you want to renew the public’s faith in our political system, pass the Medicare for All Act of 2025,” said Alan Minsky, Executive Director, Progressive Democrats of America. “This one piece of legislation will instantly end the era, which has lasted far too long, when profits and wealth accumulation are more important than human life, including yours. MFA will return the general welfare, and the well-being of every individual, to the heart of our social contract. That will renew faith in America.”

“Health care is a right, not a privilege. The reintroduction of the Medicare for All Act is a crucial step toward ending a system that profits from people’s pain,” said Analilia Mejia and DaMareo Cooper, Co-Executive Directors of Popular Democracy. “Too many Americans are forced to choose between paying their rent and paying for life-saving medication, while corporations rake in billions. Medicare for All isn’t just a policy—it’s the lifeline working families desperately need. Our communities deserve a health care system that prioritizes people over profits. We will fight until we win the health care we deserve.”

“Health care is a human right and a basic need. Yet instead of getting health care, Americans get delays, denials, and bills they cannot afford. Today, predatory insurance CEOs are poised to reap the windfall from the tax scam giveaways earmarked for billionaires and corporations. The oligarchs that put Donald Trump and Dr. Oz in power want everything we have. We get sicker, make impossible choices, and go broke. They boost the stock prices of corporations – like UnitedHealth – that profit off our pain, and buy more mansions and yachts. We can put an end to those warped priorities through Medicare for All,” said Sulma Arias, executive director of People’s Action Institute. “Working people have made this the wealthiest nation in the history of the world, and there is more than enough if we don’t let the corporate crooks and billionaires steal it. So it’s time to choose: Our health care or their greed?”

The legislation has an additional 102 cosponsors in the House: Alma Adams (NC-12), Yassamin Ansari (AZ-03), Becca Balint (VT-AL), Nanette Diaz Barragán (CA-44), Wesley Bell (MO-01), Donald S. Beyer Jr. (VA-08), Suzanne Bonamici (OR-01), Brendan Boyle (PA-02), Shontel Brown (OH-11), Salud Carbajal (CA-24), André Carson (IN-7), Troy Carter (LA-02), Greg Casar (TX-35), Sheila Cherfilus-McCormick (FL-20), Judy Chu (CA-28), Yvette Clarke (NY-09), Emanuel Cleaver, II (MO-05), Steve Cohen (TN-09), Jasmine Crockett (TX-30), Danny K. Davis (IL-07), Diana DeGette (CO-01), Chris Deluzio (PA-17), Mark DeSaulnier (CA-10), Maxine Dexter (OR-03), Lloyd Doggett (TX-37), Veronica Escobar (TX-16), Adriano Espaillat (NY-13), Valerie Foushee (NC-04), Lois Frankel (FL-22), Laura Friedman (CA-30), Maxwell Frost (FL-10), John Garamendi (CA-08), Robert Garcia (CA-42), Jesús “Chuy” García (IL-04), Dan Goldman (NY-10), Jimmy Gomez (CA-34), Al Green (TX-09), Josh Harder (CA-09), Jahana Hayes (CT-05), Val Hoyle (OR-04), Jared Huffman (CA-02), Jonathan Jackson (IL-01), Sara Jacobs (CA-51), Henry C. “Hank” Johnson, Jr. (GA-04), Sydney Kamlager-Dove (CA-37), William Keating (MA-09), Robin Kelly (IL-02), Tim Kennedy (NY-26), Ro Khanna (CA-17), Summer Lee (PA-12), Teresa Leger Fernandez (NM-03), Mike Levin (CA-49), Ted W. Lieu (CA-36), Zoe Lofgren (CA-18), Betty McCollum (MN-04), Morgan McGarvey (KY-03), James P. McGovern (MA-02), LaMonica McIver (NJ-10), Gregory Meeks (NY-05), Grace Meng (NY-06), Kweisi Mfume (MD-07), Dave Min (CA-47), Kevin Mullin (CA-15), Jerrold Nadler (NY-12), Joe Neguse (CO-02), Eleanor Holmes Norton (DC-AL), Alexandria Ocasio-Cortez (NY-14), Ilhan Omar (MN-05), Frank Pallone (NJ-06), Jimmy Panetta (CA-19), Chellie Pingree (ME-01), Mark Pocan (WI-02), Ayanna Pressley (MA-07), Mike Quigley (IL-05), Delia Ramirez (IL-03), Emily Randall (WA-06), Jamie Raskin (MD-08), Luz Rivas (CA-29), Andrea Salinas (OR-06), Linda T. Sánchez (CA-38), Jan Schakowsky (IL-09), Robert C. “Bobby” Scott (VA-03), Brad Sherman (CA-32), Lateefah Simon (CA-12), Adam Smith (WA-09), Melanie Stansbury (NM-01), Eric Swalwell (CA-14), Mark Takano (CA-39), Shri Thanedar (MI-13), Bennie G. Thompson (MS-02), Mike Thompson (CA-04), Dina Titus (NV-01), Rashida Tlaib (MI-12), Jill Tokuda (HI-02), Paul Tonko (NY-20), Lori Trahan (MA-03), Juan Vargas (CA-52), Nydia Velázquez (NY-07), Maxine Waters (CA-43), Bonnie Watson Coleman (NJ-12), Nikema Williams (GA-05), and Frederica S. Wilson (FL-24).

The legislation also has an additional 15 cosponsors in the Senate: Tammy Baldwin (D-Wis.), Richard Blumenthal (D-Conn.), Cory Booker (D-N.J.), Kirsten Gillibrand (D-N.Y.), Martin Heinrich (D-N.M.), Mazie Hirono (D-Hawaii), Ben Ray Luján (D-N.M.), Ed Markey (D-Mass.), Jeff Merkley (D-Ore.), Alex Padilla (D-Calif.), Brian Schatz (D-Hawaii), Adam Schiff (D-Calif.), Elizabeth Warren (D-Mass.), Peter Welch (D-Vt.) and Sheldon Whitehouse (D-R.I.).

It is also endorsed by dozens of organizations, which can be found here.

Issues: Health Care

MIL OSI USA News –

April 30, 2025
MIL-OSI Security: Court Enjoins Arizona Animal Drug Manufacturer from Distributing Unapproved Drugs

Source: United States Attorneys General 4

A federal court ordered an Arizona company to stop distributing unapproved animal drugs that violate the Federal Food, Drug, and Cosmetic Act (FDCA), the Department of Justice announced.

In a civil complaint filed on August 29, 2023, in the U.S. District Court for the District of Arizona, the United States alleged that AniCell Biotech LLC and its founder and chief executive officer, Brandon T. Ames, violated the FDCA at the company’s facility in Gilbert, Arizona, by manufacturing and distributing unapproved animal drugs. According to the complaint, AniCell Biotech makes and distributes animal cell- and tissue-based products (ACTPs) derived from the amniotic tissue of horses for use in animals.

According to the complaint, AniCell and Ames claimed on their website and in promotional pamphlets that their products were intended for use in animals to treat various diseases and to promote tissue regeneration and healing. The complaint further alleged that AniCell and Ames made and sold new animal drugs that were considered adulterated and unsafe because they had not been approved by the U.S. Food and Drug Administration (FDA). According to the complaint, FDA provided defendants with multiple warnings, including a written warning letter regarding its need to submit its new animal drugs to the FDA for approval.

“Animal drug manufacturers have a duty to ensure that their products are safe and manufactured and sold in accordance with the law,” said Acting Assistant Attorney General Yaakov Roth of the Justice Department’s Civil Division. “The Department will continue to work closely with FDA to pursue appropriate actions against drug manufacturers that violate the law.”

“Marketing unapproved new animal drugs that claim to cure, mitigate, treat or prevent diseases in animals can pose serious safety risks to consumers’ pets,” said Acting Director Dr. Timothy Schell of the FDA’s Center for Veterinary Medicine. “The FDA will continue to pursue actions against those who may put animal patients in harm’s way by manufacturing and distributing unapproved new animal drugs.”

The defendants agreed to settle the suit and be bound by a consent decree permanently enjoining them from violating the FDCA. Under the court’s order, entered on April 17, the defendants must comply with specific requirements set forth in the injunction and the FDCA prior to manufacturing or distributing any new animal drugs.

Trial Attorney Coleen Schoch of the Civil Division’s Consumer Protection Branch handled the case, with assistance from Associate Chief Counsel of Enforcement Jaclyn E. Martinez Resly of the FDA’s Office of the Chief Counsel.

Additional information about the Consumer Protection Branch and its enforcement efforts may be found at http://www.justice.gov/civil/consumer-protection-branch.

MIL Security OSI –

April 30, 2025

Category: Health

What we did in our study

Cumulative effects

Some risk factors

Why might repeated disasters lead to worse mental health?

What can we do to support people through multiple disasters?

Source: New Zealand Nurses Organisation

Source: PSA

1. Understand the anxieties

2. Understand the ‘cycle of avoidance’

4. Build the ‘bravery muscle’

4. Make a plan with school

1. Include different types of bran to boost your fibre intake

2. Add a different canned bean to your shopping list

3. Try a different wholegrain, like buckwheat or 5-grain porridge

4. Try a different vegetable or salad mix every week

5. Go nuts

Padilla Joins Sanders and Over 100 Lawmakers in Reintroduction of Medicare for All

Source: PSA

Why does this work need to be done?

What features are planned?

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