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Category: Health

  • MIL-OSI New Zealand: Be prepared and plan ahead for Anzac weekend

    Source: Auckland Council

    After last week’s dose of wet and windy weather, Aucklanders are getting a bit of a reprieve for Anzac Day but may see rain over the weekend, most likely Sunday. We’re reminding people to check drains and gutters again; plan travel carefully and stay up to date with weather forecasts.

    Auckland Emergency Management General Manager Adam Maggs says Aucklanders did a great job preparing for the impacts of ex-tropical Cyclone Tam and responding to the weather conditions over the Easter weekend.

    “Aucklanders across the region experienced heavy rain, strong winds and flooding in places just days ago, over the Easter long weekend.

    “While there’s still a high degree of uncertainty, we could see some wet weather in parts of Tāmaki Makaurau over the Anzac long weekend.

    “We understand Aucklanders may be sick of hearing about the weather, but it doesn’t take long to do a few important things – a quick check of gutters and drains on your property, and a regular update on the weather forecast over the weekend,” says Adam.

    Keep up to date with the weather forecast

    MetService has not issued any current weather watches or warnings for the weekend as it’s too early to predict how the weekend weather will pan out. A top tip is to download the MetService app from the App Store or Google Play and sign up for push notifications to your phone.

    “At this stage, it looks like we’re in for rain overnight on Saturday and into Sunday morning – right about the time when people may start heading home from school holidays or long weekend breaks.

    “There is still uncertainty about when and where bad weather will hit, so make sure you check the forecast when planning any weekend travel or activities and check it again for any changes before you go out. Don’t forget, if you’re heading to another region, check the weather there too.

    “With soil saturation levels now very high, there is always the possibility of flooding if heavy rain eventuates.

    “If you’re on the roads, drive to the conditions, take care and give yourself plenty of time,” he says.

    Add property prep to your weekend checklist

    Taking half an hour to make sure your home and property are prepared for bad weather could prevent unnecessary damage and disruption.

    “Securing or storing outdoor furniture and umbrellas ahead of bad weather doesn’t take much time and could stop these items from getting damaged or damaging your property.

    “If we get gusty winds, these can easily pick up small or loose items, flip trampolines or lightweight outdoor furniture and play equipment,” says Adam.

    Checking drains, gutters and trees or plants on your property that can lose branches or clog drains is a good idea at this time of year.

    “Auckland Council’s Healthy Waters team has again been out this week checking hot spots and clearing drains. It’s important that residents do this too.

    “Anything on your property that may wash into the stormwater system and cause blockages should be removed. Clearing gutters and drains on your property will also help prevent damage, leaks and flooding. 

    “It’s always a good time to check your emergency readiness supplies – in the unlikely event the power goes out or, for those in more remote parts of the region, you get temporarily cut off.

    “Visit our website (aucklandemergencymanagement.govt.nz) or getready.govt.nz for good advice on getting your household prepared for an emergency,” says Adam.

    Always in the know: top tips for wild weather

    • Follow weather forecasts for regular updates – forecasts can change.
    • Plan your travel carefully and never drive through floodwater.
    • If life or property is at risk, phone 111.
    • If you live somewhere prone to flooding, slips or power outages, ensure you have a supply of food and provisions in case you become isolated.
    • Treat power lines as live at all times.
    • Report flooding and blocked stormwater drains to Auckland Council on 09 301 0101.
    • Visit aucklandcouncil.govt.nz and click “Report a problem” to report trees down on public land.
    • If your property is damaged, take photographs for your insurer as early as possible.

    MIL OSI New Zealand News –

    April 24, 2025
  • MIL-OSI Russia: Applications are now being accepted for two internships in the Moscow Government

    Translation. Region: Russian Federal

    Source: Moscow Government – Government of Moscow –

    Applications are now being accepted for two internships in the Moscow Government for young professionals. Graduates and students of specialized educational institutions are invited to join the program.

    The internship will last six months. Students will be able to combine it with their studies, because they themselves choose a convenient schedule – full-time or part-time. Official employment and salary are also provided.

    Moscow transport

    Graduating students will be able to become part of a large Moscow transport team and work on projects in one of seven areas: Information Technologies, Transport Environment, Transport Management, HR City, Media City, Legal Space, and Urban Economics and Finance.

    80 young specialists have already joined the first internship stream in Moscow transport. Since February, they have been gaining unique experience and helping to develop the most significant city projects, including driverless trams, a high-speed railway, the Big Circle Line of the metro, Moscow Parking, and river transport.

    The new stream, which will begin on August 1, promises to be no less informative. Beginning specialists will be able to learn all the intricacies of working in one of the best transport systems in the world and apply their knowledge, skills and talents to solve difficult but interesting problems.

    During the internship, each participant in the program will be supported by an experienced mentor who will help them adapt to the new place and teach them how to effectively handle all assignments.

    Applicants can apply for an internship on the Moscow Government career portalThen they will have to take a test, record a video business card and meet with the manager.

    Veterinary Internship

    Students and graduates of specialized colleges and universities will be able to gain their first experience in one of the 26 clinics of the State Budgetary Institution “Moscow Veterinary Association”. The organization is part of the State Veterinary Service of the capital and ensures the protection of citizens from the spread of diseases common to humans and animals, as well as the veterinary safety of food products.

    Beginning specialists will be able to choose one of four areas: medical and preventive, surgical, therapeutic and diagnostic. Under the guidance of experienced doctors, young people will learn how to conduct outpatient appointments, collect anamnesis, give injections, make a diagnosis and develop a treatment plan. In addition, interns will learn how to work with documents and electronic databases in the field of veterinary medicine. The most goal-oriented and responsible guys can become permanent employees of state veterinary clinics.

    Thus, Olga Kozyreva, a graduate of the veterinary faculty of the International Veterinary Academy named after K.I. Skryabin, was hired as an outpatient doctor after just one month of internship at the Station for the Control of Animal Diseases of the Eastern and South-Eastern Districts.

    “I always dreamed of treating animals and helping them. The decision to come to this internship was connected with the desire to gain practical experience, which is impossible to master only at a desk at the institute. I wanted to immerse myself in the real work of the clinic, learn to make decisions in stressful situations and understand how the process is organized from the inside,” said Olga Kozyreva.

    To take part in a veterinary internship, you need to fill out a questionnaire on the career portal Moscow Government and take several online tests on logic and motivation. The best candidates will advance to the second stage of the competition, during which they will spend a test day in one of the capital’s clinics.

    The Personnel Services Department has been running an internship program in the Moscow Government since 2011. During this time, more than 2.5 thousand young specialists have joined the work on capital projects and helped make our city even more convenient and comfortable to live in.

    Get the latest news quickly official telegram channelthe city of Moscow.

    Please note: This information is raw content directly from the source of the information. It is exactly what the source states and does not reflect the position of MIL-OSI or its clients.

    Please Note; This Information is Raw Content Directly from the Information Source. It is access to What the Source Is Stating and Does Not Reflect

    https: //vv.mos.ru/nevs/ite/153104073/

    MIL OSI Russia News –

    April 24, 2025
  • MIL-OSI USA: “Devastating Loss”: Senator Murray Slams Trump Gutting Women’s Health Initiative—WHI is the Largest and Most Influential National Study of Women’s Health & Based out of Fred Hutch in Seattle

    US Senate News:

    Source: United States Senator for Washington State Patty Murray
    ICYMI from Science: “NIH guts its first and largest study centered on women”
    ICYMI: In Senate Forum on NIH Research, Senator Murray Highlights How Trump and Elon’s Devastating Funding Cuts and Mass Layoffs are Putting Lifesaving Research At Risk
    Washington, D.C. — Today, U.S. Senator Patty Murray (D-WA), a senior member and former Chairof the Senate Health, Education, Labor, and Pensions (HELP) Committee and former Chair of the Senate Appropriations Labor-HHS-Education & Related Agencies Subcommittee released the following statement on the Trump administration gutting the historic Women’s Health Initiative (WHI), the largest National Institutes of Health (NIH) effort studying the health needs of women. WHI has enrolled more than 160,000 participants in clinical trials and tracked the health of many thousands more over more than three decades since its inception in the early 1990s. There are currently over 42,000 participants that are actively involved. WHI’s findings have had a major influence on women’s health care, reducing rates of cancer and other diseases, and influencing clinical guidelines for multiple health factors.
    Yesterday, WHI investigators were informed that the Department of Health and Human Services (HHS) will terminate WHI Regional Center (RC) contracts at the end of their current fiscal year, September 2025. According to the WHI Funding Announcement issued yesterday, the WHI Clinical Coordinating Center, which is based at the Fred Hutchinson Cancer Research Center in Seattle, will continue operations until January 2026, after which time its funding remains uncertain. “The full implications of these funding cuts are still being determined, but these contract terminations will significantly impact ongoing research and data collection—especially the detailed participant health event data collected by RC staff. The loss of this critical data stream would severely limit WHI’s ability to generate new insights into the health of older women, one of the fastest-growing segments of our population,” the notice read.
    “This is a devastating loss for women’s health research. It’s unacceptable and truly tragic that the Trump administration has decided to pull the plug on one of the most influential studies in the world and one that has led to enormous breakthroughs in preventing chronic disease—a stated goal of HHS leadership—and helping women everywhere live healthier and longer lives.
    “The Women’s Health Initiative has not only led to major advancements in our understanding of women’s health issues, especially in older women, but it has paved the way for a generation of researchers focused on women’s health—which has long been overlooked and underfunded. Now, Trump, Elon, and our pro-disease Health Secretary RFK Jr. are taking an axe to a study that has helped millions of Americans live healthier lives and have better treatment options—yet another example of how this administration is hell-bent on cutting health research to the bone without a clue and without a care for the consequences.
    “Destroying the Women’s Health Initiative is an unbelievably shortsighted move that will have an immense long-term cost for our country—in undiscovered treatments and cures, the loss of vast amounts of data to improve women’s health, and a less healthy population overall.
    “This is an unconscionable loss—and I am calling on every one of my colleagues, especially my Republican colleagues who understand the importance of supporting research into women’s health, to join me in demanding that the Trump administration immediately reverse course.”
    Senator Murray has been leading the charge against the Trump administration’s efforts to gut lifesaving research at NIH and fire en masse more than 1,300 skilled scientists and grants administrators at the agency. When the Trump administration attempted to illegally cap indirect cost rates at 15 percent, Senator Murray immediately and forcefully condemned the move, led the entire Senate Democratic caucus in a letter decrying the proposed change, and introduced amendments to Senate Republicans’ budget resolution to reverse it, which Republicans blocked.
    As a longtime appropriator and former Chair of the Senate HELP Committee, Senator Murray has always championed women’s health care and fought to boost investments in women’s health care research in particular. As the former Chair of the Senate Appropriations Labor-HHS-Education & Related Agencies Subcommittee, Senator Murray has fought for increases in women’s health research programs across NIH, including the Implementing a Maternal Health and Pregnancy Outcomes Vision for Everyone (IMPROVE) Initiative and the Office of Research on Women’s Health. As the top Democrat on the Senate HELP Committee, Murray led negotiations and passage of the 21st Century Cures Act in 2016, bipartisan legislation that provided $4.8 billion over the next 10 years to invests in a wide range of health priorities including with regards to women’s health care. Murray leads and has repeatedly introduced the Jeanette Acosta Invest in Women’s Health Act, which would increase women’s access to preventive and lifesaving cancer screenings. Murray has also been a strong advocate for women veterans’ health care—transforming the VA over decades to meet the needs of women veterans, whether by authoring and passing the Women Veterans Health Care Improvement Act in 2010, helping to pass the Deborah Sampson Act and MAMMO Act to address gender disparities at VA and expand access to breast cancer screening and treatment at VA, or by delivering annual funding as an appropriator to help VA provide the necessary care for women veterans.
    Last year as Chair of the Senate Appropriations Committee, Senator Murray delivered a record $900 million investment in women veterans’ health care, as well as a $300 million funding boost for NIH. Senator Murray also leads landmark bipartisan legislation endorsed by Halle Berry to boost menopause research and, for the first time, coordinate the federal government’s existing programs related to menopause and mid-life women’s health. Earlier this month, Senator Murray introduced separate bipartisan legislation to require VA and the Department of Defense (DoD) to research and study the effects of menopause on women servicemembers and women veterans
    Over her years as a senior member of the Appropriations Committee, Senator Murray secured billions of dollars in increases for biomedical research at the National Institutes of Health, and during her time as Chair of the HELP Committee, she established the new ARPA-H research agency as part of her PREVENT Pandemics Act to advance some of the most cutting-edge research in the field.

    MIL OSI USA News –

    April 24, 2025
  • MIL-Evening Report: ER Report: A Roundup of Significant Articles on EveningReport.nz for April 24, 2025

    ER Report: Here is a summary of significant articles published on EveningReport.nz on April 24, 2025.

    The ocean can look deceptively calm – until it isn’t. Here’s what ‘hazardous surf’ really means
    Source: The Conversation (Au and NZ) – By Samuel Cornell, PhD Candidate, Beach Safety Research Group, School of Population Health, UNSW Sydney Over the Easter weekend, seven people drowned along the Australian coast. Most were swept off rock platforms – extremely dangerous locations that are increasingly prevalent in Australia’s coastal fatality data. The weather was

    The major parties have announced their plans to address domestic and family violence. How do they stack up?
    Source: The Conversation (Au and NZ) – By Kate Fitz-Gibbon, Professor (Practice), Faculty of Business and Economics, Monash University In the past week, at least seven women have been killed in Australia, allegedly by men. These deaths have occurred in different contexts – across state borders, communities and relationships. But are united by one truth:

    The biggest losers: how Australians became the world’s most enthusiastic gamblers
    Source: The Conversation (Au and NZ) – By Wayne Peake, Adjunct research fellow, School of Humanities and Communication Arts, Western Sydney University The story goes that the late billionaire Australian media magnate Kerry Packer once visited a Las Vegas casino, where a Texan was bragging about his ranch and how many millions it was worth.

    A golden era for personalized medicine is approaching, but are we ready?
    Source: The Conversation (Au and NZ) – By Nazia Pathan, PhD, Postdoctoral Researcher, Population Health Research Institute, McMaster University Biobanks have become some of the most transformative tools in medical research, enabling scientists to study the relationships between genes, health and disease on an unprecedented scale (Piqsels/Siyya) If there’s a disease that seems to run

    The billions spent on NZ’s accommodation supplement is failing to make rent affordable – so what will?
    Source: The Conversation (Au and NZ) – By Edward Yiu, Associate Professor, School of Business, University of Auckland, Waipapa Taumata Rau Pixelbliss/Shutterstock New Zealand’s unaffordable housing market has left many low and middle-income families reliant on the accommodation supplement to cover rent and mortgage payments. But our new research has found the scheme, which costs

    Fossil teeth show extinct giant kangaroos spent their lives close to home – and perished when the climate changed
    Source: The Conversation (Au and NZ) – By Christopher Laurikainen Gaete, PhD Candidate, University of Wollongong Chris Laurikainen Gaete Large kangaroos today roam long distances across the outback, often surviving droughts by moving in mobs to find new food when pickings are slim. But not all kangaroos have been this way. In new research published

    The billions spent on NZ’s accomodation supplement is failing to make rent affordable – so what will?
    Source: The Conversation (Au and NZ) – By Edward Yiu, Associate Professor, School of Business, University of Auckland, Waipapa Taumata Rau Pixelbliss/Shutterstock New Zealand’s unaffordable housing market has left many low and middle-income families reliant on the accommodation supplement to cover rent and mortgage payments. But our new research has found the scheme, which costs

    The gambling industry has women in its sights. Why aren’t policymakers paying attention?
    Source: The Conversation (Au and NZ) – By Simone McCarthy, Postdoctoral Research Fellow – Commercial Determinants of Health, Deakin University Wpadington/Shutterstock Whatever the code, whatever the season, Australian sports fans are bombarded with gambling ads. Drawing on Australians’ passion, loyalty and pride for sport, the devastating health and social consequences of gambling – including financial

    When ‘equal’ does not mean ‘the same’: Liberals still do not understand their women problem
    Source: The Conversation (Au and NZ) – By Carol Johnson, Emerita Professor, Department of Politics and International Relations, University of Adelaide “Women’s” issues are once again playing a significant role in the election debate as Labor and the Liberals trade barbs over which parties’ policies will benefit women most. In the latest salvo, the opposition

    Tremors, seizures and paralysis: this brain disorder is more common than multiple sclerosis – but often goes undiagnosed
    Source: The Conversation (Au and NZ) – By Benjamin Scrivener, PhD Candidate, Faculty of Medical and Health Sciences, University of Auckland, Waipapa Taumata Rau Kateryna Kon/Shutterstock Imagine suddenly losing the ability to move a limb, walk or speak. You would probably recognise this as a medical emergency and get to hospital. Now imagine the doctors

    The origin story of the Anzac biscuit is largely myth – but that shouldn’t obscure the history of women during the war
    Source: The Conversation (Au and NZ) – By Garritt C. Van Dyk, Senior Lecturer in History, University of Waikato Australian Comforts Fund buffet in Longueval, France, 1916. Australian War Memorial The Anzac biscuit is a cultural icon, infused with mythical value, representing the connection between women on the home front and soldiers serving overseas during

    Politics with Michelle Grattan: historian Frank Bongiorno on dramatic shifts in how elections are fought and won
    Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra This election has been lacklustre, without the touch of excitement of some past campaigns. Through the decades, campaigning has changed dramatically, adopting new techniques and technologies. This time, we’ve seen politicians try to jump onto viral podcasts. To discuss old

    Albanese government announces $1.2 billion plan to purchase critical minerals
    Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra A re-elected Albanese government will take the unprecedented step of buying or obtaining options over key critical minerals to protect Australia’s national interest and boost its economic resilience. The move follows US President Donald Trump’s ordering a review into American

    Why special measures to boost Fiji women’s political representation remain a distant goal
    RNZ Pacific Despite calls from women’s groups urging the government to implement policies to address the underrepresentation of women in politics, the introduction of temporary special measures (TSM) to increase women’s political representation in Fiji remains a distant goal. This week, leader of the Social Democratic Liberal Party (Sodelpa), Cabinet Minister Aseri Radrodro, and opposition

    Albanese government announces $1.2 billion in plan to purchase critical minerals
    Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra A re-elected Albanese government will take the unprecedented step of buying or obtaining options over key critical minerals to protect Australia’s national interest and boost its economic resilience. The move follows US President Donald Trump’s ordering a review into American

    Flooding incidents in Ghana’s capital are on the rise. Researchers chase the cause
    Source: The Conversation (Au and NZ) – By Stephen Appiah Takyi, Senior Lecturer, Department of Planning, Kwame Nkrumah University of Science and Technology (KNUST) Urban flooding is a major problem in the global south. In west and central Africa, more than 4 million people were affected by flooding in 2024. In Ghana, cities suffer damage

    Australia needs bold ideas on defence. The Coalition’s increased spending plan falls disappointingly short
    Source: The Conversation (Au and NZ) – By Peter Layton, Visiting Fellow, Strategic Studies, Griffith University Just as voting has begun in this year’s federal election, the Coalition has released its long-awaited defence policy platform. The main focus, as expected, is a boost in defence spending to 3% of Australia’s GDP within the next decade.

    Sniping koalas from helicopters: here’s what’s wrong with Victoria’s unprecedented cull
    Source: The Conversation (Au and NZ) – By Liz Hicks, Lecturer in Law, The University of Melbourne Roberto La Rosa/Shutterstock Snipers in helicopters have shot more than 700 koalas in the Budj Bim National Park in western Victoria in recent weeks. It’s believed to be the first time koalas have been culled in this way.

    Rather than short-term fixes, communities need flexible plans to prepare for a range of likely climate impacts
    Source: The Conversation (Au and NZ) – By Tom Logan, Senior Lecturer Above the Bar of Civil Systems Engineering, University of Canterbury Dave Rowland/Getty Images As New Zealanders clean up after ex-Cyclone Tam which left thousands without power and communities once again facing flooding, it’s tempting to seek immediate solutions. However, after the cleanup and

    Why do Labor and the Coalition have so many similar policies? It’s simple mathematics
    Source: The Conversation (Au and NZ) – By Gabriele Gratton, Professor of Politics and Economics and ARC Future Fellow, UNSW Sydney Pundits and political scientists like to repeat that we live in an age of political polarisation. But if you sat through the second debate between Prime Minister Anthony Albanese and Opposition leader Peter Dutton

    MIL OSI Analysis – EveningReport.nz –

    April 24, 2025
  • MIL-OSI New Zealand: World Immunisation Week shows importance of health targets

    Source: New Zealand Government

    World Immunisation Week, celebrated in the last week of April, is an opportunity for parents and caregivers to ensure their children are up to date with their immunisations, Health Minister Simeon Brown says.

    “High immunisation coverage is critical to protect not only the health of individuals, but the community from the spread of preventable diseases.

    “This week is an opportunity to emphasise our focus on childhood immunisation and achieving our target of 95 per cent of children aged 24 months being fully immunised.

    “We know that immunisation for both children and their parents and families is one of the best tools we have to protect Kiwi kids from serious illnesses like whooping cough (pertussis) and measles.

    “Last month, a Taranaki healthcare provider hit 100 per cent for all enrolled children under eight months of age. This is an incredible achievement, and one that we want to see replicated around the country.”

    The recent spread of measles internationally has highlighted the importance of ensuring Kiwis are vaccinated against the disease. 

    “A measles outbreak in New Zealand would mean kids off school, in hospital and, as we’ve seen overseas, could cost some children their lives,” Mr Brown says. 

    “Raising the country’s childhood immunisation rates is a priority for this Government. High rates of immunisation are a safe and effective way to better protect New Zealanders from disease, including measles, and saves lives.”

    Results released in the second quarter 2024/25 earlier this show more children are now fully immunised, with 77 per cent of two-year-olds being immunised in the second quarter of this year, up from 75.7 per cent in the previous quarter.

    MIL OSI New Zealand News –

    April 24, 2025
  • MIL-Evening Report: The ocean can look deceptively calm – until it isn’t. Here’s what ‘hazardous surf’ really means

    Source: The Conversation (Au and NZ) – By Samuel Cornell, PhD Candidate, Beach Safety Research Group, School of Population Health, UNSW Sydney

    Over the Easter weekend, seven people drowned along the Australian coast. Most were swept off rock platforms – extremely dangerous locations that are increasingly prevalent in Australia’s coastal fatality data.

    The weather was unseasonably warm, the surf at times looking calm and at others foreboding. And yet, despite warnings from Surf Life Saving, emergency services and meteorologists, many still entered the water – often unaware of how deceptively dangerous the conditions could be.

    It was a tragic reminder that many people don’t understand ocean conditions and how waves and swells work. Current water safety warnings aren’t doing enough to change behaviour – but with simple improvements and better education around long-period swells, we could save lives.

    The difference between waves and swells

    Waves on the ocean are caused by wind. Some, called sea waves, are generated by nearby winds. Others, known as swell waves, are created by distant weather systems, such as storms far away, and travel long distances.

    Swells can travel thousands of kilometres and may still be present even if the local wind is calm. It’s estimated that up to 75% of wave action across the globe is caused by distant storms, not local winds. This makes the predicting of swells and waves a complex science.

    A long-period swell refers to waves that arrive at longer intervals, typically 12 to 20 seconds apart. These swells carry more energy than short-period ones, travel greater distances, and tend to produce sets of larger waves when they hit the coast.

    Long-period swells can result in sudden large waves that crash into the beach with more energy.
    Sneaky Buddy/Shutterstock

    What makes long-period swells so dangerous?

    Over Easter, hazardous long-period swells generated by an ex-cyclone offshore were hitting much of the east coast. The Bureau of Meteorology issued warnings, and Surf Life Saving reinforced these messages with media alerts and beach closures.

    But the surf didn’t always look threatening – at least not all of the time.

    The misleading nature of long-period swells is part of the problem. They create deceptively calm periods, and lulls between these wave sets can last ten or 15 minutes. During that time, people feel safe entering the water, wading out, going onto a rock platform or relaxing near the shoreline.

    When the next set arrives, it can be unexpected and forceful – knocking people over, pulling them into the water or creating unexpected currents.

    Unlike short-period waves, long-period swells carry momentum that enables them to surge much further up beaches and rock platforms, increasing the chances of sweeping people into the water. When these waves break, they do so with considerable force, and the powerful backwash can drag people into deep water.

    The sudden arrival of these waves, without a gradual buildup, makes them especially dangerous in exposed areas like rock shelves or platforms.

    Rock platforms are dangerous because of a combination of environmental exposure and low visibility in our approach to coastal safety. They’re often exposed to powerful waves, have uneven, slippery surfaces, and lack easy exit points.

    If someone is knocked into the water, there’s usually nothing to hold onto, and climbing back up is almost impossible – especially in heavy clothing or fishing gear.

    Why current warnings don’t cut through

    Australians may be familiar with fire danger ratings, cyclone warnings and the UV index.

    But the way we communicate surf risk – particularly around swell behaviour – is vague and technical. Phrases like “hazardous surf” or “long-period swell” are accurate, but fail to convey what people will actually experience at the shoreline.

    Most members of the public don’t know what a 16-second swell interval means, or how it affects where and how waves break. As a result, warnings go unnoticed, or people believe they can assess the risk themselves by looking at the water – which, during a lull, can seem completely harmless.

    Social media compounds this problem. Over Easter, videos of huge waves circulated widely, but so did footage of people playing or standing near the water with no apparent concern. The public sees mixed signals – and the science and warnings don’t always cut through.

    How to improve coastal hazard communication

    If we want to reduce coastal deaths during swell events, we need to bridge the gap between forecasts and real-world understanding.

    1. Translate forecasts into direct, behavioural warnings

    Instead of just saying “hazardous surf”, add language that explains what that means: “Conditions may appear calm, but large sets of waves will arrive every 10–15 minutes. Stay well back from the waterline”.

    2. Use visual risk systems

    Just like fire danger ratings, a colour-coded coastal risk index could be introduced for days when swell conditions are particularly hazardous. Simple signage at beaches could indicate the risk level and explain the reason for it.

    3. Integrate live updates at key sites

    SMS alerts or digital signage at car parks and entry points could provide real-time hazard updates. These should be visual and multilingual to reach a broader audience.

    4. Make ocean science public knowledge

    Government campaigns, surf clubs and schools should all help explain the basics of swell behaviour – including what long-period swell is, why wave sets arrive and why calm periods aren’t always safe. Just like “swim between the flags” became a known rule, so, too, should basic awareness of wave cycles. Surfers could be champions of this education.

    The conditions that contributed to the Easter drownings were forecast, monitored and forewarned. But most people don’t make decisions based on marine forecasts – they make them based on what they see in front of them.

    Long-period swell is a classic hidden hazard. It tricks even experienced beach goers, not because the science is unclear, but because the risk isn’t made clear to the public.

    Samuel Cornell receives funding from Meta Platforms, Inc. His research is supported by a University of New South Wales Sydney, University Postgraduate Award. His research is supported by Royal Life Saving Society – Australia to aid in the prevention of drowning. Research at Royal Life Saving Society – Australia is supported by the Australian government. He has been affiliated with Surf Life Saving Australia and Surf Life Saving NSW in a paid and voluntary capacity.

    – ref. The ocean can look deceptively calm – until it isn’t. Here’s what ‘hazardous surf’ really means – https://theconversation.com/the-ocean-can-look-deceptively-calm-until-it-isnt-heres-what-hazardous-surf-really-means-255011

    MIL OSI Analysis – EveningReport.nz –

    April 24, 2025
  • MIL-OSI United Nations: 24 April 2025 News release Increases in vaccine-preventable disease outbreaks threaten years of progress, warn WHO, UNICEF, Gavi

    Source: World Health Organisation

    Immunization efforts are under growing threat as misinformation, population growth, humanitarian crises and funding cuts jeopardize progress and leave millions of children, adolescents and adults at risk, warn WHO, UNICEF, and Gavi during World Immunization Week, 24–30 April.

    Outbreaks of vaccine-preventable diseases such as measles, meningitis and yellow fever are rising globally, and diseases like diphtheria, that have long been held at bay or virtually disappeared in many countries, are at risk of re-emerging. In response, the agencies are calling for urgent and sustained political attention and investment to strengthen immunization programmes and protect significant progress achieved in reducing child mortality over the past 50 years.

    “Vaccines have saved more than 150 million lives over the past five decades,” said WHO Director-General, Dr Tedros Adhanom Ghebreyesus. “Funding cuts to global health have put these hard-won gains in jeopardy. Outbreaks of vaccine-preventable diseases are increasing around the world, putting lives at risk and exposing countries to increased costs in treating diseases and responding to outbreaks. Countries with limited resources must invest in the highest-impact interventions – and that includes vaccines.”

    Rising outbreaks and strained health systems

    Measles is making an especially dangerous comeback. The number of cases has been increasing year on year since 2021, tracking the reductions in immunization coverage that occurred during and since the COVID-19 pandemic in many communities. Measles cases reached an estimated 10.3 million in 2023, a 20% increase compared to 2022.

    The agencies warn that this upward trend likely continued into 2024 and 2025, as outbreaks have intensified around the world. In the past 12 months, 138 countries have reported measles cases, with 61 experiencing large or disruptive outbreaks – the highest number observed in any 12-month period since 2019.

    Meningitis cases in Africa also rose sharply in 2024, and the upward trend has continued into 2025. In the first three months of this year alone, more than 5500 suspected cases and nearly 300 deaths were reported in 22 countries. This follows approximately 26 000 cases and almost 1400 deaths across 24 countries last year.

    Yellow fever cases in the African region are also climbing, with 124 confirmed cases reported in 12 countries in 2024. This comes after dramatic declines in the disease over the past decade, thanks to global vaccine stockpiles and use of yellow fever vaccine in routine immunization programmes. In the WHO Region of the Americas, yellow fever outbreaks have been confirmed since the beginning of this year, with a total of 131 cases in 4 countries.

    These outbreaks come amidst global funding cuts. A recent WHO rapid stock take with 108 country offices of WHO – mostly in low- and lower-middle-income countries – shows that nearly half of those countries are facing moderate to severe disruptions to vaccination campaigns, routine immunization and access to supplies due to reduced donor funding. Disease surveillance, including for vaccine-preventable diseases, is also impacted in more than half of the countries surveyed.

    At the same time, the number of children missing routine vaccinations has been increasing in recent years, even as countries make efforts to catch up children missed during the pandemic. In 2023, an estimated 14.5 million children missed all of their routine vaccine doses – up from 13.9 million in 2022 and 12.9 million in 2019. Over half of these children live in countries facing conflict, fragility, or instability, where access to basic health services is often disrupted.

    “The global funding crisis is severely limiting our ability to vaccinate over 15 million vulnerable children in fragile and conflict-affected countries against measles,” said UNICEF Executive Director Catherine Russell. “Immunization services, disease surveillance, and the outbreak response in nearly 50 countries are already being disrupted – with setbacks at a similar level to what we saw during COVID-19. We cannot afford to lose ground in the fight against preventable diseases.”

    Continued investment in the ‘Big Catch-Up initiative’, launched in 2023 to reach children who missed vaccines during the COVID-19 pandemic, and other routine immunization programmes will be critical.

    How immunization addresses these challenges

    Joint efforts by WHO, UNICEF, Gavi and partners have helped countries expand access to vaccines and strengthen immunization systems through primary health care, even in the face of mounting challenges. Every year, vaccines save nearly 4.2 million lives against 14 diseases – with nearly half of these lives saved in the African Region.

    Vaccination campaigns have led to the elimination of meningitis A in Africa’s meningitis belt, while a new vaccine that protects against five strains of meningitis holds promise for broader protection, with efforts underway to expand its use for outbreak response and prevention.

    Progress has also been made in reducing yellow fever cases and deaths through increasing routine immunization coverage and emergency vaccine stockpiles, but recent outbreaks in Africa and in the Region of the Americas highlight the risks in areas with no reported cases in the past, low routine vaccination coverage and gaps in preventive campaigns.

    In addition, the past two years have seen substantial progress in other areas of immunization. In the African Region, which has the highest cervical cancer burden in the world, HPV vaccine coverage nearly doubled between 2020 and 2023 from 21% to 40%, reflecting a concerted global effort towards eliminating cervical cancer. The progress in immunization also includes increases in global coverage of pneumococcal conjugate vaccines, particularly in the South-East Asia Region, alongside introductions in Chad and Somalia, countries with high disease burden.

    Another milestone is the sub-national introduction of malaria vaccines in nearly 20 African countries, laying the foundation to save half a million additional lives by 2035 as more countries adopt the vaccines and scale-up accelerates as part of the tools to fight malaria.

    Call to action

    UNICEF, WHO, and Gavi urgently call for parents, the public, and politicians to strengthen support for immunization. The agencies emphasize the need for sustained investment in vaccines and immunization programmes and urge countries to honour their commitments to the Immunization Agenda 2030 (IA2030).

    As part of integrated primary health-care systems, vaccination can protect against diseases and connect families to other essential care, such as antenatal care, nutrition or malaria screening. Immunization is a ‘best buy’ in health with a return on investment of $54 for every dollar invested and provides a foundation for future prosperity and health security.

    “Increasing outbreaks of highly infectious diseases are a concern for the whole world. The good news is we can fight back, and Gavi’s next strategic period has a clear plan to bolster our defences by expanding investments in global vaccine stockpiles and rolling out targeted preventive vaccination in countries most impacted by meningitis, yellow fever and measles,” said Dr Sania Nishtar, CEO of Gavi, the Vaccine Alliance. “These vital activities, however, will be at risk if Gavi is not fully funded for the next five years and we call on our donors to support our mission in the interests of keeping everyone, everywhere, safer from preventable diseases.”

    Gavi’s upcoming high-level pledging summit taking place on 25 June 2025 seeks to raise at least US$ 9 billion from our donors to fund our ambitious strategy to protect 500 million children, saving at least 8 million lives from 2026–2030.

    #####

    Notes to editor:

    Download multimedia content here: https://weshare.unicef.org/Package/2AM4086M4S1G

    About WHO
    Dedicated to the health and well-being of all people and guided by science, the World Health Organization leads and champions global efforts to give everyone, everywhere, an equal chance at a safe and healthy life. We are the UN agency for health. We connect nations, partners and people on the front lines in 150+ locations – leading the world’s response to health emergencies, preventing disease, addressing the root causes of health issues and expanding access to medicines and health care. Our mission is to promote health, keep the world safe and serve the vulnerable. www.who.int

    About UNICEF
    UNICEF works in some of the world’s toughest places, to reach the world’s most disadvantaged children. Across more than 190 countries and territories, we work for every child, everywhere, to build a better world for everyone. For more information about UNICEF and its work, visit: www.unicef.org.

    About Gavi, the Vaccine Alliance
    Gavi, the Vaccine Alliance is a public-private partnership that helps vaccinate more than half the world’s children against some of the world’s deadliest diseases. Since its inception in 2000, Gavi has helped to immunize a whole generation – over 1.1 billion children – and prevented more than 18.8 million future deaths, helping to halve child mortality in 78 lower income countries. Gavi also plays a key role in improving global health security by supporting health systems as well as funding global stockpiles for Ebola, cholera, meningococcal and yellow fever vaccines. After two decades of progress, Gavi is now focused on protecting the next generation, above all the zero-dose children who have not received even a single vaccine shot. The Vaccine Alliance employs innovative finance and the latest technology – from drones to biometrics – to save lives, prevent outbreaks before they can spread and help countries on the road to self-sufficiency. Learn more at www.gavi.org.

    MIL OSI United Nations News –

    April 24, 2025
  • MIL-OSI New Zealand: Update: Road remains closed after crash – SH 1, Tokoroa

    Source: New Zealand Police (District News)

    State Highway 1 north of Tokoroa remains closed following a crash earlier today.

    A person injured in the crash has been flown to Waikato Hospital in a critical condition.

    The road is expected to remain closed until at least 3pm today.

    Motorists are advised to take alternative routes or delay travel where possible.

    ENDS

    Issued by Police Media Centre. 

    MIL OSI New Zealand News –

    April 24, 2025
  • MIL-OSI United Kingdom: Government launches call for evidence on men’s health 

    Source: United Kingdom – Executive Government & Departments

    Press release

    Government launches call for evidence on men’s health 

    It will inform England’s first ever men’s health strategy to tackle the life expectancy gap.

    • Call for evidence will inform England’s first ever men’s health strategy to tackle life expectancy gap
    • Members of the public and healthcare experts will get their say on ways to tackle biggest health problems facing men as part of Plan for Change to improve health care for everyone
    • This follows government’s first ever Men’s Health Summit held in partnership with Movember, co-hosted by Arsenal and Premier League 

    The government is today (Thursday 24 April) calling for men of all ages to come forward and feed into England’s first ever men’s health strategy.

    The 12-week call for evidence will gather vital insights from the public, health and social care professionals, academics and employers so the government can properly consider how to prevent and tackle the biggest issues facing men from all backgrounds.  

    It will ask for their views on what is working and what more needs to be done to close the life expectancy gap between men and women, as men in England die nearly four years earlier than women on average. 

    Health and Social Care Secretary Wes Streeting said: 

    Every day, men across England are dying early from preventable causes. Men are hit harder by a range of conditions, while tragically suicide is the leading cause of death for men under 50. 

    Our Plan for Change means we will tackle these issues head on through a men’s health strategy, and today’s call for evidence is the crucial next step in understanding what works, what doesn’t, and how we can design services men will actually use. I urge people to come forward to share their views.

    The call for evidence will seek responses on how the government’s Plan for Change can work across the board to improve the health and wellbeing of men, through: 

    • Prevention – finding the right areas and the right ways to promote healthier behaviours  
    • Diagnosis and treatment – improving outcomes for health conditions that hit men harder
    • Encouragement to come forward – improving men’s access to, engagement with and experience of the health service

    This government is committed to fixing the NHS and getting a grip on the stark health inequalities that exist across the country through the Plan for Change, which will rebuild the health service and deliver better care for everyone. With a clearer, more tailored approach for both men and women, their distinct health needs will be met better.

    In women’s health, we’re turning the commitments in the women’s health strategy into tangible actions – taking urgent action to tackle gynaecology waiting lists through the Elective Reform Plan, investing in a major AI breast cancer screening trial, and implementing key priority areas outlines in our strategy – alongside taking wider government action to tackle violence against women and girls.

    Amy O’Connor, Global Lead, Policy and Advocacy at Movember, said:

    Too many men are dying too young, the men’s health strategy is a once in a generation opportunity to invest in positive change for men and their loved ones. Share your solutions – whether it’s more community support groups, improved education, or enhancing clinical training, to create a lasting impact on the future of men’s health.

    Julie Bentley, Samaritans CEO, said:

    Suicide is the biggest killer of men under 50 so it’s critical that suicide prevention is front and centre of this strategy. With men making up 75 percent of all suicides, this strategy is a real opportunity to prevent thousands of deaths.  

    Recognising what works for different groups of men, focusing on key risk factors and providing evidenced based support will be crucial and we’d encourage everyone to submit evidence to this important consultation. We look forward to working with Government on meaningful ways to cut suicide rates and save lives.

    Cllr David Fothergill, Chairman of the LGA’s Community and Wellbeing Board, said: 

    We are pleased that the Government has announced plans to launch the first-ever Men’s Health Strategy with a call for evidence. It’s a significant step towards improving men’s health outcomes and ensuring that men can live healthier, longer, happier lives.

    The call for evidence will be open for views on the Department of Health and Social Care website until 17 July. The government aims to launch the men’s health strategy later this year. 

    Notes to editors 

    • The call for evidence will run for 12 weeks from 24 April 2025 to 17 July 2025. 
    • Men are disproportionately affected by a number of health conditions including cancer, cardiovascular disease and type 2 diabetes. 
    • Around 3 in 4 people who died by suicide in 2023 were men. Suicide is the biggest cause of death in men under the age of 50. 
    • Those in the most deprived areas of England are expected to live almost 10 years less than those in the least deprived areas. 
    • The men’s health strategy was announced by the Health Secretary at the Men’s Health Summit held in partnership with Movember, hosted by Arsenal and the Premier League, in November. For more information see here Secretary of State commits to first ever men’s health strategy – GOV.UK

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    Published 24 April 2025

    MIL OSI United Kingdom –

    April 24, 2025
  • MIL-OSI USA News: Reinstating Common Sense School Discipline Policies

    Source: The White House

    class=”has-text-align-left”>By the authority vested in me as President by the Constitution and the laws of the United States of America, and to ensure safety and order in American classrooms, it is hereby ordered:

    Section 1.  Purpose and Policy.  The Federal Government will no longer tolerate known risks to children’s safety and well-being in the classroom that result from the application of school discipline based on discriminatory and unlawful “equity” ideology.

     In January 2014, the Department of Education and the Department of Justice jointly issued a “Dear Colleague” letter regarding school discipline.  In that letter, the Department of Education and the Department of Justice explained that schools could be found to violate Title VI of the Civil Rights Act of 1964 — and therefore could lose Federal funding — if their disciplinary decisions ran afoul of a newly imposed disparate-impact framework under which race-neutral disciplinary policies, applied in an even-handed manner, may be improper if members of any racial groups are suspended, expelled, or referred to law enforcement at higher rates than others.  The letter effectively required schools to discriminate on the basis of race by imposing discipline based on racial characteristics, rather than on objective behavior alone. 

    The consequences harmed students and schools.  A 2018 report from the Federal Commission on School Safety (Commission) noted evidence that, because of the 2014 letter, “schools ignored or covered up — rather than disciplined — student misconduct in order to avoid any purported racial disparity in discipline numbers that might catch the eye of the federal government.”  As a result, students who should have been suspended or expelled for dangerous behavior remained in the classroom, making all students less safe. 

    As the Commission found:  “When school leaders focus on aggregate school discipline numbers rather than the specific circumstances and conduct that underlie each matter, schools become less safe,” and “[r]esearch clearly indicates that the failure of schools to appropriately discipline disruptive students has consequences for overall student achievement.”  The Commission’s seemingly obvious conclusion was that “disciplinary decisions are best left in the hands of classroom teachers and administrators” and should be based on student behavior, rather than racial statistics.

    Following the Commission’s report on December 18, 2018, the 2014 Dear Colleague letter was rescinded.  In 2023, however, the previous administration’s Department of Education and Department of Justice issued new guidance noting that statistical racial disparities in student discipline may indicate violations of law, and encouraging schools to collect, analyze, and adjust their disciplinary policies in light of racial disciplinary data.  The 2023 guidance thus effectively reinstated the practice of weaponizing Title VI to promote an approach to school discipline based on discriminatory equity ideology.  As a consequence of these policies, teachers and students are suffering increased levels of classroom disorder and school violence.

    Sec. 2.  Definitions.  As used herein:
    (a)  The definitions in the Executive Order of January 29, 2025 (Ending Radical Indoctrination in K-12 Schooling), shall apply to this order.
    (b)  “Behavior Modification Techniques” means any school discipline policies or practices that incorporate or are based on discriminatory equity ideology.

    Sec. 3.  Ensuring Commonsense School Discipline Policies.      (a)  Within 30 days of the date of this order, the Secretary of Education, in consultation with the Attorney General, shall issue new guidance to local educational agencies (LEAs) and State educational agencies (SEAs) regarding school discipline and their obligations not to engage in racial discrimination under Title VI in all contexts, including school discipline.
    (b)  The Secretary of Education shall take appropriate action with respect to LEAs and SEAs that fail to comply with Title VI protections against racial discrimination in the application of school discipline.
    (c)  Within 60 days of the date of this order, the Secretary of Education and the Attorney General shall initiate coordination with Governors and State Attorneys General regarding the prevention of racial discrimination in the application of school discipline.
    (d)  Within 90 days of the date of this order, the Secretary of Defense shall issue a revised school discipline code that appropriately protects and enhances the education of the children of America’s military-service families.
    (e)  Within 120 days of the date of this order, the Secretary of Education shall, in coordination with the Attorney General, the Secretary of Health and Human Services, and the Secretary of Homeland Security, submit a report to the President, through the Assistant to the President for Domestic Policy, regarding the status of discriminatory-equity-ideology-based school discipline and behavior modification techniques in American public education .  The report shall include:
              (i)    an inventory and analysis of the nature and consequences of all Title VI discipline-related investigations since 2009;
              (ii)   an assessment of the role of non-profit organizations that are Federal grant recipients in promoting discriminatory-equity-ideology-based discipline and behavior modification techniques, and recommendations to ensure that Federal taxpayer funds do not flow to programs or activities, including those of non-profit organizations, that promote discriminatory-equity-ideology-based discipline and behavior modification techniques;
             (iii)  an assessment of discipline-related policies and curricular options that do not promote discriminatory equity ideology; and
              (iv)   model school discipline policies that promote common sense, protect the safety and educational environment of students, do not promote unlawful discrimination, and are rooted in American values and traditional virtues.

         Sec. 4.  General Provisions.  (a)  Nothing in this order shall be construed to impair or otherwise affect:
              (i)   the authority granted by law to an executive department or agency, or the head thereof; or
              (ii)  the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.
    (b)  This order shall be implemented consistent with applicable law and subject to the availability of appropriations.
    (c)  This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.

                                  DONALD J. TRUMP

    THE WHITE HOUSE,
        April 23, 2025.

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI New Zealand: More than 900 health graduates to receive financial boost through bonding scheme

    Source: New Zealand Government

    More than 900 newly qualified health professionals are set to receive financial support to kick-start their careers, Health Minister Simeon Brown says.“The Government is committed to growing and strengthening our health workforce, and retaining health professionals is a key part of that,” Mr Brown says.“We want more of our nurses, midwives, anaesthetic technicians, and other critical health professions to stay in New Zealand after they graduate. “The Voluntary Bonding Scheme provides financial incentives to encourage new graduates to stay and work in the country – particularly in hard-to-staff regions and specialities where they’re needed most.”The scheme, which was launched under the previous National government, was expanded in 2024 to include new and recent graduate anaesthetic technicians and pharmacists. It offers after-tax payments ranging from $14,165 to $50,000 over a bonding period of three to five years, depending on the profession.The 2024 intake of 925 graduates includes: 

    477 registered and enrolled nurses
    172 midwives
    77 anaesthetic technicians
    70 rural and regional general practice trainees
    48 pharmacists
    23 dentists
    22 oral health therapists
    20 radiation therapists
    15 Sonographers
    One medical physicist 

    “We are relentlessly focused on ensuring Kiwis have access to timely, quality healthcare in the community. “The scheme is a practical way to build and strengthen key parts of our health workforce, particularly in areas and specialities that face the greatest recruitment challenges.“We know there is further work needed to improve access to primary care and boost the primary care workforce, which will be the focus of the intake for 2025.“This builds on the primary care package announced in March, including: 

    100 clinical placements for overseas-trained doctors in primary practice.
    Recruitment incentives for up to 400 graduate nurses annually for five years to work in primary practice.
    100 additional doctor training places over the course of this Government at our medical schools.
    Up to 50 graduate doctors training in primary care annually.
    Up to 120 training places for nurse practitioners in primary care.
    Accelerated tertiary education for up to 120 primary care nurses. 

    “I want to congratulate the most recent cohort of graduates who are entering the scheme and will be working in vital health roles across the country,” Mr Brown says.

    MIL OSI New Zealand News –

    April 24, 2025
  • MIL-OSI USA: Cornyn Urges USDA, HHS, EPA to Safeguard MAHA Work From Environmental Activists

    US Senate News:

    Source: United States Senator for Texas John Cornyn

    AUSTIN – U.S. Senator John Cornyn (R-TX) sent a letter to Agriculture Secretary Brooke Rollins, Health and Human Services Secretary Robert F. Kennedy Jr., and Environmental Protection Agency Administrator Lee Zeldin calling for the use of sound science and risk-based analysis as the Make America Healthy Again (MAHA) Commission finalizes its work, particularly on crop protection tools and food-grade ingredients:

    The lawmakers wrote: “We write to express our strong appreciation for your leadership and interest in working with each of you to ensure America has the healthiest people in the world. In recent decades, chronic illness rates have risen. This warrants our careful scrutiny to support better health outcomes. It is essential that policies supported by sound science and risk-based analyses are used to accomplish this goal.”

    “We have concerns that environmentalists are advancing harmful health, economic, or food security policies under the guise of human health. Despite insinuations to the contrary, regular testing by FDA and USDA finds that more than 99% of all pesticide residues meet extremely conservative limits established by EPA according to the best available science.”

    Other signatories include Senators Pete Ricketts (R-NE), Deb Fischer (R-NE), Steve Daines (R-MT), Mike Crapo (R-ID), Joni Ernst (R-IA), Jim Justice (R-WV), Jim Risch (R-ID), Todd Young (R-IN), Roger Wicker (R-MS), Chuck Grassley (R-IA), and Mike Rounds (R-SD).

    Read the full letter here or below:

    Dear Secretary Kennedy, Secretary Rollins, and Administrator Zeldin:

    We write to express our strong appreciation for your leadership and interest in working with each of you to ensure America has the healthiest people in the world. In recent decades, chronic illness rates have risen. This warrants our careful scrutiny and to support better health outcomes. It is essential that policies supported by sound science and risk-based analyses are used to accomplish this goal.

    We also urge you to safeguard the work of the Make America Healthy Again Commission (Commission) from activist groups promoting misguided and sometimes even malicious policies masquerading as health solutions. The influence of these groups in the Commission would result in shoddy science; a less abundant, less affordable food supply; greater reliance on foreign adversaries for our food; diminished U.S. agricultural production and manufacturing; and, ultimately, poorer health outcomes.

    President Trump recently stated environmental activists were holding the economic prosperity of our country hostage. We now have concerns that they are seeking to influence the work of the Commission to advance their agenda. For decades activist groups have tried to ban safe, well-regulated agricultural inputs by any means necessary. Without these products, yields and quality are negatively impacted by otherwise avoidable insects, fungus, weeds, and other pest pressures. This drives up food prices for American consumers and forces reliance of food imports.

    The same groups have seized upon the Commission’s work as an opportunity to misrepresent the science on common food and feed categories or ingredients, such as plant-based oils. These inputs are subject to a robust, risk-based regulatory system which focuses on protecting human health. Unfounded accusations harm the U.S. farmers who grow our food, upend food and feed supply chains, and significantly increase grocery food prices – all without public health benefit.

    We have concerns that environmentalists are advancing harmful health, economic, or food security policies under the guise of human health. Despite insinuations to the contrary, regular testing by FDA and USDA finds that more than 99% of all pesticide residues meet extremely conservative limits established by EPA according to the best available science.

    We applaud the Commission’s desire to improve the health and well-being of Americans. We implore you to ensure policy decisions are grounded in sound science and risk-based analyses. With unity, we can protect American agricultural producers from environmental activists’ attacks on proven-safe inputs critical to their profitability and long-term viability while promoting positive health outcomes.

    Sincerely,

    /s/

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI Security: Memphis Woman Sentenced in Healthcare Fraud Scheme and Schemes to Defraud COVID-19 Relief Program

    Source: Office of United States Attorneys

    Memphis, TN – A federal judge has sentenced Nakita Cannady, 49, to 14 months in federal prison to be followed by two years of supervised release for healthcare fraud and making false statements in connection with loan applications for the Covid-19 Relief Program.  The final sentencing hearing was concluded on April 4, 2025, with the entry of an order by Senior United States District Judge John T. Fowlkes, Jr. directing the defendant to pay more than $500,000.00 dollars in restitution to the victims.  Joseph C. Murphy, Jr., Interim United States Attorney for the Western District of Tennessee, announced the sentence today.

    According to the original federal indictment in the healthcare fraud case, Cannady owned and operated What About Us In-Home Healthcare, a home healthcare services business that purported to provide custodial healthcare services 24-hours a day, 7 days a week to mostly elderly patients. From May 29, 2017 through December 23, 2019, Cannady fraudulently billed Cigna Insurance for 24 hours a day of home healthcare when she knew the patients had only received 8 or 12 hours a day of home healthcare. Cannady was ordered to make restitution to Cigna Insurance in the amount of $193,508.10.

    According to the second federal indictment, from June 17, 2020 through April 15, 2021, Cannady submitted six fraudulent Paycheck Protection Program (PPP) and Economic Injury Disaster Loan (EIDL) applications for four purported businesses she controlled, specifically: What About Us Childcare, What About Us Foundation, What About Us Adult Daycare, and What About Us In-Home Healthcare. Cannady’s loan applications contained false information concerning the dates of operation, gross revenues, costs of goods sold, number of employees, and amount of payroll related to the businesses. Cannady was ordered to make restitution to the Small Business Administration in the amount of $346,882.13.   

    “Those who exploit health care programs for personal gain will be held accountable to the fullest extent of the law,” said Special Agent in Charge Joseph E. Carrico of the Federal Bureau of Investigation (FBI) Nashville Field Office. “Health care fraud is a priority for the FBI, and we will continue to work with our partners to investigate those who prioritize greed over the well-being of others.”

    Interim United States Attorney Joseph C. Murphy, Jr. and Assistant United States Attorney Raney Irwin prosecuted this case on behalf of the United States. Assistant United States Attorney Christopher Cotten and former Assistant United States Attorneys Courtney Lewis and Murrell Foster also assisted in the prosecution of this case.  The FBI Nashville Field Office – Memphis Resident Agency and the Tennessee Bureau of Investigation investigated this case.

    ###

    For more information, please contact the media relations team at USATNW.Media@usdoj.gov. Follow the U.S. Attorney’s Office on Facebook or on X at @WDTNNews for office news and updates.

    MIL Security OSI –

    April 24, 2025
  • MIL-Evening Report: A golden era for personalized medicine is approaching, but are we ready?

    Source: The Conversation (Au and NZ) – By Nazia Pathan, PhD, Postdoctoral Researcher, Population Health Research Institute, McMaster University

    Biobanks have become some of the most transformative tools in medical research, enabling scientists to study the relationships between genes, health and disease on an unprecedented scale (Piqsels/Siyya)

    If there’s a disease that seems to run in your family, if you’ve had a negative reaction to a drug or wondered why a standard treatment didn’t work on you, the answers may lie in your genes.

    The unique sequence of DNA that acts as a blueprint for building and maintaining your body often plays a major role in shaping your predisposition to diseases and reactions to drugs.

    Genes in the DNA make proteins, which can act as biomarkers or influence other types of biomarkers. Biomarkers are molecules in the body that help measure health conditions, such as those detected in blood or urine tests.

    Blood glucose, for example, is a biomarker for diabetes, cholesterol levels can be biomarkers for heart diseases and albumin is a protein used to assess kidney and liver functions.

    Tailoring treatments

    By understanding a patient’s unique genetic profile, biomarker readings and lifestyle information, doctors could tailor the most effective and safest treatments for that individual.

    Genetics offer the opportunity for individualized health care that can improve patient outcomes, save lives and alleviate strain on the health-care system.

    This is the promise of personalized medicine, which is already making a difference in areas such as cardiovascular diseases, cancer, mental health and rare diseases.

    The question is, are we prepared to seize this golden opportunity in Canada?

    Genetic testing and data

    Canadians are not averse to genetic testing. By 2018, a survey by Abacus Data showed around 11 per cent of Canadian adults had used direct-to-consumer genetic testing and analysis kits, and 60 per cent were open to ordering a test.

    This level of interest highlights a general acceptance of and readiness for genetic advancements in health care, which is encouraging, since we need much more reliable, population-level genetic information to make the most of this opportunity.

    Current genetic data is either scattered across relatively small, fragmented groups, which is severely limiting from a broader research perspective, or held by private companies. These companies have varying regulatory standards, raising concerns about privacy and data security, especially if a company is financially unstable or ceases to exist. This recently occurred when genetic testing company 23andMe filed for bankruptcy.




    Read more:
    With 23andMe filing for bankruptcy, what happens to consumers’ genetic data?


    The better model is publicly managed biobanks, which prioritize broad societal health over profit and offer stronger data protection through robust regulation of access, storage and usage. Strict oversight ensures the protection of individual privacy while promoting transparency.

    The potential of biobanks

    In this age of big data, biobanks have become some of the most transformative tools in medical research, enabling scientists to study the relationships between genes, health and disease on an unprecedented scale.

    This is possible because of technological advancements that allow large-scale genetic and biomarker testing, the adoption of cloud-based servers, and improvements in statistical modelling, machine learning and artificial intelligence.

    Establishing a biobank begins with collecting small amounts (five to 10 millilitres) of blood, saliva or tissue from consenting participants in the presence of health experts.

    Biobanks use next-generation sequencers to perform the genetic sequences at high speed, while the latest proteomics platforms enable measurement of thousands different biomarkers from a very small amount of blood. The resulting genetic and biomarker profiles are curated and made accessible through platforms like a national library.

    Countries such as the United Kingdom and the United States are paving the way with national efforts such as the UK Biobank and the All of Us Research Program.

    The British Biobank houses genetic and health data from more than 500,000 participants. Similarly, the U.S. program aims to enrol more than one million participants.

    Genomics in Canada

    As a genetic epidemiologist, I have had the opportunity to identify several potential genetic targets by using these treasure troves of information.

    The problem is that we don’t yet have a ready way of knowing if the results are directly applicable to the Canadian population.

    This is about to change. Genome Canada has launched the Canadian Precision Health Initiative to sequence the genomes of at least 100,000 Canadians.

    Biobanks enable scientists to study the relationships between genes, health and disease on an unprecedented scale.
    (Pixabay/Shameersrk)

    A Pan-Canadian Genome Library (PCGL) is also in the works to harmonize genetic data produced across Canada. It aims to capture, store and provide access to Canadian genomic data in a secure and ethical manner. Although this work is in the developmental phase, and the target population size remains unclear, these efforts are significant.

    These visions are closer to becoming a reality with the recent announcement of a $200 million investment in the Canadian Precision Health initiative. This is in addition to the more than $1 billion previously invested in health genomics research projects.

    These funds will support Canada’s Genomic centres, the PCGL, and enhance the translation of genomics into real-world applications, boosting the development of personalized medicine and advanced diagnostics to treat diseases.

    A potential model for the world

    Canada, with its uniquely diverse population, has a rare opportunity to lead the way in equitable, multi-ethnic genetic research that would address current biases that predominantly focus on individuals with European ancestry.

    This would ensure that everyone in Canada, including Indigenous communities, can benefit from this health-care revolution in an equitable, ethical and safe manner that balances privacy with the opportunities for groundbreaking research.

    With public trust and robust oversight, and making population-level data internationally accessible, Canada’s biobank initiative could become a model for the world in the golden era of personalized medicine.

    Nazia Pathan, PhD 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. A golden era for personalized medicine is approaching, but are we ready? – https://theconversation.com/a-golden-era-for-personalized-medicine-is-approaching-but-are-we-ready-250336

    MIL OSI Analysis – EveningReport.nz –

    April 24, 2025
  • MIL-OSI USA: Wittman, Warner, Kaine Call for Stronger Oversight of Nursing Homes Following Troubling Reports in Colonial Heights

    US Senate News:

    Source: United States Senator for Virginia Tim Kaine
    Published: April 23 2025

    WASHINGTON, D.C. – Today, Congressman Rob Wittman (VA-01), Senator Mark Warner (D-VA), and Senator Tim Kaine (D-VA) called on the Centers for Medicare and Medicaid Services (CMS) to conduct enhanced oversight of nursing homes and implement stronger safeguards to protect seniors in the wake of alarming reports of alleged abuse, neglect, and falsified records coming out of Colonial Heights Rehabilitation and Nursing Center. 
    “These reports are simply heartbreaking; it is critical that our seniors receive the quality care they’ve earned and deserve,” the letter states. “We share the same goal of quality care for all seniors, and it is critical that we conduct rigorous review of the reports at Colonial Heights Rehabilitation and Nursing Center. … We look forward to working with CMS to improve Medicare for all Americans to ensure accountability and transparency in all Medicare expenditures.”
    Their letter references a December 2024 report from the U.S. Department of Health and Human Services Office of Inspector General (HHS OIG), which found that half of the sampled Skilled Nursing Facilities (SNFs) failed to properly adjust related-party costs in their Medicare reporting—resulting in over $1.7 million in overstated costs.
    Read the full letter here and below.

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI USA: Over 500 Justice and Behavioral Health Professionals Attend 2025 Criminal Justice Conference Emphasizing Collaboration and Resiliency

    Source: US State of Pennsylvania

    April 23, 2025 – State College, PA

    Over 500 Justice and Behavioral Health Professionals Attend 2025 Criminal Justice Conference Emphasizing Collaboration and Resiliency

    The Pennsylvania Commission on Crime and Delinquency (PCCD) kicked off the 2025 Criminal Justice Advisory Board (CJAB) Conference in State College. The two-day event brought together over 530 criminal justice and behavioral health professionals from across the Commonwealth, the largest gathering since the conference’s inception in 2007. Throughout the conference, participants engaged in discussions on new and reemerging issues impacting the criminal justice and behavioral health systems and innovative solutions to address evolving trends.

    Under the Shapiro-Davis Administration, the Commonwealth has achieved notable improvements in public safety. According to data released by CeaseFirePA, Pennsylvania has seen a 42% decrease in total victims of gun violence statewide, and a 38% drop in gun deaths by firearm since 2022. These outcomes reflect the impact of intentional, cross-system collaboration among law enforcement, behavioral health and criminal justice professionals, community-based organizations, courts, and policymakers.

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI USA: UConn Health Half Marathon: Motivational Mantras That Work

    Source: US State of Connecticut

    Long distance running is a challenge both physically and mentally. Some runners use phrases or “mantras” to keep them focused on the present and to build resilience on especially difficult runs. UConn Health internal medicine physician, Jennifer Ozimek, has run the UConn Health Half Marathon in Simsbury for the past 5 years and has several mantras that help keep her motivated through to the finish line.

    [embedded content]

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI USA: Two UConn School of Nursing Students Attend a ‘Once in a Lifetime’ Conference Visiting State Senators and Representatives on Capitol Hill

    Source: US State of Connecticut

    DNP student Ryan Davis, CRNA, MSN and Sean Flaherty ’25 (NURS), have a passion for advocating, on a federal basis, for nurses and the profession itself.

    Accompanied by the School of Nursing’s Dean Victoria Vaughan Dickson, Ph.D., RN, FAHA, FHFSA, FAAN, these two students were able to take that passion to the Capitol where they attended the American Association of Colleges of Nursing annual Student Policy Summit.

    Established in 1969, the AACN currently represents over 875 schools of nursing in universities nationwide, UConn being one of them.

    The conference was held on March 30-31 in Washington, DC, open to baccalaureate and graduate nursing students. Only two students from each AACN member institution can attend and permission from the dean is acquired.

    “Nurses play a crucial role in health policy advocacy, influencing healthcare legislation and shaping the future of healthcare,” said Dean Victoria Vaughan Dickson, PhD, RN, FAHA, FHFSA, FAAN. “The Student Policy Summit provides student nurses with the unique opportunity to experience how nurses can effectively advocate for changes that benefit patients, their communities, and the broader healthcare system.”

    Ryan Davis, CRNA, MSN, posing at the American Association of Colleges of Nursing annual Student Policy Summit on March 30, 2025, in Washington DC. (Contributed Photo)

    Davis, a certified registered nurse anesthetist (CRNA) was nominated by her advisor Joy Elwell, DNP, FNP-BC, CNE, FAAN, FAANP, based on her DNP project which deals with recognizing CRNAs as advanced practice registered nurses (APRN) in her home state of New York, which is the only state in the nation that does not recognize them as such.

    The conference was an invaluable experience for Davis. She was able to witness a panelist who, like her, is a CRNA. Seeing him advocate on a federal level inspired and motivated her to continue doing the same.

    “Having these people in bigger platforms and on the federal level, just advocating for our profession is really nice to see,” Davis said.

    Like Davis, Flaherty has always had an interest in the legislative side of nursing, and after being nominated to go to the conference by the dean, he couldn’t say no.

    “I looked at this and I thought what a great opportunity, to go to Washington DC and do something completely different than what we traditionally are doing in this four-year program, which is nursing completely at the bedside,” he said.

    Sharing similar remarks to Davis, Flaherty said the conference was very insightful and showed him a side to the nursing profession that he is not used to seeing.

    It was humbling to see “how complex the field of nursing is and how many different alleys you can go down and still be extremely successful and influential,” Flaherty said.

    “It sounds so simple,” he added, but it was really “learning about the government.”

    Beyond the Bedside

    A key takeaway for both Davis and Flaherty was how nursing can go beyond the bedside.

    “Hearing some of the speakers and the panels, how they advocate and what they advocate for is just so inspiring for me to want to take it beyond my practice of doing nurse anesthesia and take it more politics and health policy,” said Davis.

    The importance of advocacy and being exposed to multiple nursing avenues was a crucial part in the students’ experience at the conference.

    “To be involved in the other side of nursing, this legislative making process with all of the rules and regulations, the laws and the practices of what we [as nurses] practice by was really neat to kind of open my eyes to that side of nursing,” Flaherty said.

    Using Your Voice

    The conference taught Davis a lot – how to speak to legislators, write letters, and follow up – but what she really learned, was how to use her voice.

    “What I got from it in terms of applying it to my DNP project and even as a UConn student is to not be afraid to use my voice when it comes to advocating for something that I believe in or something that my profession needs, such as being APRNs,” she said.

    They had the opportunity to visit with Connecticut Senators and Representatives “to discuss the importance of support for nursing, nursing research, and nursing education,” said Dickson.

    Specifically, they discussed the importance of the PRECEPT Nurses Act and the Title VIII Nursing Workforce Development Programs.

    The PRECEPT Nurses Act is a bill that provides a tax credit for nurses “who serve at least 200 hours as a clinical preceptor to nursing students, advanced practice nursing students, or newly hired licensed nurses in a Health Professional Shortage Area,” according to the AACN website.

    The Title VIII Nursing Workforce Development Programs address nursing workforce demand including education, retention, practice, and recruitment.

    Flaherty also advocated for university funding. As an out-of-state student from upstate NY, he knows how crucial financial aid is in supporting the nursing workforce.

    There’s plenty of people who want to be in the workforce and continue their education in the nursing field, but they can’t afford the education of a state school, said Flaherty. “If you’re going to talk about how we have this nursing shortage, the quick solution would be to get more nurses,” he said. “And how do we do that? It’s funding students to be able to have that education because the number one barrier is going to be the cost.”

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI Global: A golden era for personalized medicine is approaching, but are we ready?

    Source: The Conversation – Canada – By Nazia Pathan, PhD, Postdoctoral Researcher, Population Health Research Institute, McMaster University

    Biobanks have become some of the most transformative tools in medical research, enabling scientists to study the relationships between genes, health and disease on an unprecedented scale (Piqsels/Siyya)

    If there’s a disease that seems to run in your family, if you’ve had a negative reaction to a drug or wondered why a standard treatment didn’t work on you, the answers may lie in your genes.

    The unique sequence of DNA that acts as a blueprint for building and maintaining your body often plays a major role in shaping your predisposition to diseases and reactions to drugs.

    Genes in the DNA make proteins, which can act as biomarkers or influence other types of biomarkers. Biomarkers are molecules in the body that help measure health conditions, such as those detected in blood or urine tests.

    Blood glucose, for example, is a biomarker for diabetes, cholesterol levels can be biomarkers for heart diseases and albumin is a protein used to assess kidney and liver functions.

    Tailoring treatments

    By understanding a patient’s unique genetic profile, biomarker readings and lifestyle information, doctors could tailor the most effective and safest treatments for that individual.

    Genetics offer the opportunity for individualized health care that can improve patient outcomes, save lives and alleviate strain on the health-care system.

    This is the promise of personalized medicine, which is already making a difference in areas such as cardiovascular diseases, cancer, mental health and rare diseases.

    The question is, are we prepared to seize this golden opportunity in Canada?

    Genetic testing and data

    Canadians are not averse to genetic testing. By 2018, a survey by Abacus Data showed around 11 per cent of Canadian adults had used direct-to-consumer genetic testing and analysis kits, and 60 per cent were open to ordering a test.

    This level of interest highlights a general acceptance of and readiness for genetic advancements in health care, which is encouraging, since we need much more reliable, population-level genetic information to make the most of this opportunity.

    Current genetic data is either scattered across relatively small, fragmented groups, which is severely limiting from a broader research perspective, or held by private companies. These companies have varying regulatory standards, raising concerns about privacy and data security, especially if a company is financially unstable or ceases to exist. This recently occurred when genetic testing company 23andMe filed for bankruptcy.




    Read more:
    With 23andMe filing for bankruptcy, what happens to consumers’ genetic data?


    The better model is publicly managed biobanks, which prioritize broad societal health over profit and offer stronger data protection through robust regulation of access, storage and usage. Strict oversight ensures the protection of individual privacy while promoting transparency.

    The potential of biobanks

    In this age of big data, biobanks have become some of the most transformative tools in medical research, enabling scientists to study the relationships between genes, health and disease on an unprecedented scale.

    This is possible because of technological advancements that allow large-scale genetic and biomarker testing, the adoption of cloud-based servers, and improvements in statistical modelling, machine learning and artificial intelligence.

    Establishing a biobank begins with collecting small amounts (five to 10 millilitres) of blood, saliva or tissue from consenting participants in the presence of health experts.

    Biobanks use next-generation sequencers to perform the genetic sequences at high speed, while the latest proteomics platforms enable measurement of thousands different biomarkers from a very small amount of blood. The resulting genetic and biomarker profiles are curated and made accessible through platforms like a national library.

    Countries such as the United Kingdom and the United States are paving the way with national efforts such as the UK Biobank and the All of Us Research Program.

    The British Biobank houses genetic and health data from more than 500,000 participants. Similarly, the U.S. program aims to enrol more than one million participants.

    Genomics in Canada

    As a genetic epidemiologist, I have had the opportunity to identify several potential genetic targets by using these treasure troves of information.

    The problem is that we don’t yet have a ready way of knowing if the results are directly applicable to the Canadian population.

    This is about to change. Genome Canada has launched the Canadian Precision Health Initiative to sequence the genomes of at least 100,000 Canadians.

    Biobanks enable scientists to study the relationships between genes, health and disease on an unprecedented scale.
    (Pixabay/Shameersrk)

    A Pan-Canadian Genome Library (PCGL) is also in the works to harmonize genetic data produced across Canada. It aims to capture, store and provide access to Canadian genomic data in a secure and ethical manner. Although this work is in the developmental phase, and the target population size remains unclear, these efforts are significant.

    These visions are closer to becoming a reality with the recent announcement of a $200 million investment in the Canadian Precision Health initiative. This is in addition to the more than $1 billion previously invested in health genomics research projects.

    These funds will support Canada’s Genomic centres, the PCGL, and enhance the translation of genomics into real-world applications, boosting the development of personalized medicine and advanced diagnostics to treat diseases.

    A potential model for the world

    Canada, with its uniquely diverse population, has a rare opportunity to lead the way in equitable, multi-ethnic genetic research that would address current biases that predominantly focus on individuals with European ancestry.

    This would ensure that everyone in Canada, including Indigenous communities, can benefit from this health-care revolution in an equitable, ethical and safe manner that balances privacy with the opportunities for groundbreaking research.

    With public trust and robust oversight, and making population-level data internationally accessible, Canada’s biobank initiative could become a model for the world in the golden era of personalized medicine.

    Nazia Pathan, PhD 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. A golden era for personalized medicine is approaching, but are we ready? – https://theconversation.com/a-golden-era-for-personalized-medicine-is-approaching-but-are-we-ready-250336

    MIL OSI – Global Reports –

    April 24, 2025
  • MIL-OSI USA: Attorney General Bonta Charges Operators of Peppermint Palm Placement Services for Financial Elder Abuse

    Source: US State of California

    Wednesday, April 23, 2025

    Contact: (916) 210-6000, agpressoffice@doj.ca.gov

    SACRAMENTO – California Attorney General Rob Bonta today announced the filing of felony charges against two operators of Peppermint Palm Placement Services (PPPS) for embezzling more than $350,000 from elderly victims through their placement agencies. The defendants operated over a dozen placement agencies, including PPPS, Peppermint Palm Senior Care, Porus Placements, Persimmon Placements, Red Cardinal Management Corporation, and others. They are being charged with 28 felonies, including theft from an elder, identity theft, grand theft by embezzlement, filing a false or forged document with a public office, money laundering, conspiracy, and a white-collar crime enhancement. 

    “When caregivers put illegal profit over the health and safety of those in their care, everyone loses,” said Attorney General Bonta. “At the California Department of Justice, we are dedicated to combating all forms of elder abuse and neglect. We will act swiftly to hold accountable anyone who harms or takes advantage of these at-risk members of our community.”

    The California Department of Justice received a report alleging that the operators of PPPS secured contracts with individuals seeking assistance for residential placements, charging them a placement fee equivalent to 150% of the client’s rent. Clients’ families or payees would send rent payments to PPPS with the understanding that PPPS would then forward the payment to the home operator or landlord. It is alleged that PPPS would obtain their “placement fee” and would then stop paying the rent and abruptly relocate the client to a different residence, restarting the cycle. Many of these clients struggle with mental health or substance abuse issues, and the majority are beneficiaries of Medi-Cal.  

    It is important to note that criminal charges must be proven in a court of law. Every defendant is presumed innocent until proven guilty.

    The California Department of Justice’s Division of Medi-Cal Fraud and Elder Abuse (DMFEA) works to protect Californians by investigating and prosecuting those responsible for abuse, neglect, and fraud committed against elderly and dependent adults in the state, and those who perpetrate fraud on the Medi-Cal program.
     
    DMFEA receives 75 percent of its funding from the U.S. Department of Health and Human Services under a grant award totaling $69,244,976 for Federal fiscal year (FY) 2025. The remaining 25 percent is funded by the State of California. FY 2025 is from October 1, 2024, through September 30, 2025.
     
    A copy of the complaint can be found here.

    # # #

    MIL OSI USA News –

    April 24, 2025
  • MIL-Evening Report: Tremors, seizures and paralysis: this brain disorder is more common than multiple sclerosis – but often goes undiagnosed

    Source: The Conversation (Au and NZ) – By Benjamin Scrivener, PhD Candidate, Faculty of Medical and Health Sciences, University of Auckland, Waipapa Taumata Rau

    Kateryna Kon/Shutterstock

    Imagine suddenly losing the ability to move a limb, walk or speak. You would probably recognise this as a medical emergency and get to hospital.

    Now imagine the doctors at the hospital run some tests and then say, “Good news! All your tests were normal, clear scans, and nothing is wrong. You can go home!” Yet, you are still experiencing very real and disabling symptoms.

    Unfortunately, this is the experience of many people with functional neurological disorder. Even worse, some are blamed and reprimanded for exaggerating or faking their symptoms.

    So, what is this disorder, and why is it so challenging to recognise and treat?

    What is functional neurological disorder?

    Neurological disorders are conditions that affect how the nervous system works. The nervous system sends and receives messages between the brain and other parts of your body to regulate a wide range of functions, such as movement, speaking, vision, thinking and digestion.

    To the untrained eye, functional neurological disorder can resemble other conditions such as stroke, multiple sclerosis or epilepsy.

    But, unlike these conditions, functional neurological symptoms aren’t due to damage or a disease process affecting the nervous system. This means the disorder doesn’t appear on routine brain imaging and other tests.

    Functional symptoms are, instead, due to dysfunction in the processing of information between several brain networks. Simply put, it’s a problem of the brain’s software, not the hardware.

    What are the symptoms?

    Functional neurological disorder can produce a kaleidoscope of diverse and changing symptoms. This often adds to confusion for patients and make diagnosis more challenging.

    Symptoms may include paralysis or abnormal movements such as tremors, jerks and tics. This often leads to difficulty walking or coordinating movements.

    Sensory symptoms may involve numbness, tingling or loss of vision.

    Dissociative symptoms, such as functional seizures and blackouts, are also common.

    Some people experience cognitive symptoms including brain fog or problems finding the right words. Fatigue and chronic pain frequently coexist with these symptoms.

    These symptoms can be severe and distressing and, without treatment, can persist for years. For example, some people with functional neurological disorder cannot walk and must use a wheelchair for decades.

    Diagnosis involves identifying established diagnostic signs and ensuring no other diagnoses are missed. This process is best carried out by an experienced neurologist or neuropsychiatrist.

    Functional neurological disorder can affect movement and some people may be unable to walk.
    Fit Ztudio/Shutterstock

    How common is it?

    Functional neurological disorder is one of the most common medical conditions seen in emergency care and in outpatient neurology clinics.

    It affects around 10–22 people per 100,000 per year. This makes it more common than multiple sclerosis.

    Despite this, it is often under-recognised and misunderstood by health-care professionals. This leads to delays in diagnosis and treatment.

    This lack of awareness also contributes to the perception that it’s rare, when it’s actually common among neurological disorders.

    Who does functional neurological disorder affect?

    This condition can affect anyone, although it is more common in women and younger people. Around two thirds of patients are female, but this gender disparity reduces with age.

    Understanding of the disorder has developed significantly over the past few decades, but there’s still more to learn. Several biological, psychological, and social factors can predispose people.

    Genetics, traumatic life experiences, anxiety and depression can increase the risk. Stressful life events, illness, or physical injuries can trigger or worsen existing symptoms.

    But not everyone with the disorder has experienced significant trauma or stress.

    How is it treated?

    If left untreated, about half the people with this condition will remain the same or their symptoms will worsen. However, with the help of experienced clinicians, many people can make rapid recoveries when treatment starts early.

    There are no specific medications for functional neurological disorder but personalised rehabilitation guided by experienced clinicians is recommended.

    Some people may need a team of multidisciplinary clinicians that may include physiotherapists, occupational therapists, speech therapists, psychologists and doctors.

    People also need accurate information about their condition, because understanding and beliefs about the disorder play an important role in recovery. Accurate information helps patients to develop more realistic expectations, reduces anxiety and can empower people to be more active in their recovery.

    Treating common co-existing conditions, such as anxiety or depression, can also be helpful.

    Symptoms can include headaches and brain fog.
    PeopleImages.com – Yuri A/Shutterstock

    A dark history

    The origins of the disorder are deeply rooted in the sexist history of its pre-scientific ancestor – hysteria. The legacy of hysteria has cast a long shadow, contributing to a misogynistic bias in perception and treatment. This historical context has led to ongoing stigma, where symptoms were often labelled as psychological and not warranting treatment.

    Women with functional symptoms often face scepticism and dismissal. In some cases, significant harm occurs through stigmatisation, inadequate care and poor management. Modern medicine has attempted to address these biases by recognising functional neurological disorder as a legitimate condition.

    A lack of education for medical professionals likely contributes to stigma. Many clinicians report low confidence and knowledge about their ability to manage the disorder.

    A bright future?

    Fortunately, awareness, research and interest has grown over the past decade. Many treatment approaches are being trialled, including specialist physiotherapy, psychological therapies and non-invasive brain stimulation.

    Patient-led organisations and support networks are making headway advocating for improvements in health systems, research and education. The goal is to unite patients, their families, clinicians, and researchers to advance a new standard of care across the world.

    Benjamin Scrivener receives funding from the Health Research Council of New Zealand and is a supporting member of Functional Neurological Disorder Aotearoa.

    – ref. Tremors, seizures and paralysis: this brain disorder is more common than multiple sclerosis – but often goes undiagnosed – https://theconversation.com/tremors-seizures-and-paralysis-this-brain-disorder-is-more-common-than-multiple-sclerosis-but-often-goes-undiagnosed-250501

    MIL OSI Analysis – EveningReport.nz –

    April 24, 2025
  • MIL-Evening Report: The gambling industry has women in its sights. Why aren’t policymakers paying attention?

    Source: The Conversation (Au and NZ) – By Simone McCarthy, Postdoctoral Research Fellow – Commercial Determinants of Health, Deakin University

    Wpadington/Shutterstock

    Whatever the code, whatever the season, Australian sports fans are bombarded with gambling ads.

    Drawing on Australians’ passion, loyalty and pride for sport, the devastating health and social consequences of gambling – including financial stress, homelessness, family violence, and mental health issues – are largely sidelined.

    Instead, ads continue to normalise gambling, encouraging punters to embrace mateship and “have a crack” on gambling apps.

    A missed opportunity

    This prolific advertising has continued despite the findings of a landmark Australian parliamentary inquiry in 2022, which made 31 recommendations to curb the tactics of the gambling industry.

    Chair of the inquiry, the late Peta Murphy MP, concluded:

    If the status quo of online gambling regulation, including but not limited to advertising, was to continue, Australians would continue to lose more – more money, more relationships, more love of sport for the game rather than the odds.

    However, instead of acting on the major findings of the report, the Australian government indefinitely shelved any meaningful advertising reforms after meeting with major sporting codes, broadcasters and the gambling industry.

    Instead, we have been left to settle for a range of soft options, including taglines at the end of ads that encourage us to: “imagine what you could be buying instead”.

    It’s hard to be convinced these calls to action are having much impact compared to the seductive tactics of the gambling industry, with gambling losses continuing to spiral during a cost-of-living crisis.




    Read more:
    The gambling industry is pulling out all the stops to prevent an ad ban, but the evidence is against it


    A new market

    While the government hesitates to act on gambling ads, the gambling industry has a new set of customers in its promotional sights: women.

    Public perception is that most forms of gambling are largely male-dominated.

    However, in Victoria, 51% of women gamble each year (compared to 56% of men), and in NSW, 48.5% of women gamble (compared to 58.7% of men).

    Women are also gambling regularly. The 2023 Victorian Population Gambling and Health study found that of those women who gamble, 22.8% do so at least once a week (compared to 29.3% of men).

    Our research shows a combination of new marketing strategies, easy-to-use technology and social activities aligned with gambling venues and products may be changing the way women (and girls) think about and participate in gambling.

    How it begins

    For some young women it is a tradition to “go down to the pokies” or the casino when they turn 18.

    Some visit these venues for other entertainment options and end up gambling. For others, gambling ads encourage them to open online accounts. As one 25-year-old woman told us:

    That’s how I started sports betting, because it was on TV. Bonus bet, sign up today. Okay, that sounds good. So that’s what got me in.

    Young women are also diversifying their gambling across multiple products, with technology making it more accessible, easier and more socially acceptable.

    This includes women betting with groups of friends, but also on their own:

    You’ll sit around and all watch the footy, but you’ll all be gambling because it’s just more accessible. It’s easy. Also, I think it’s easier for females to go and seek it out on their own too, you know, if they have the app available. It’s not like they’re going up to someone at the pub and betting.

    Parents have even told us their daughters and their friends now talk about the outcomes of sporting matches based on the odds of the game.

    A different landscape

    Gambling companies and events, including racing, are also reshaping the image of gambling, making it seem fun and glamorous.

    This includes embedding gambling into spaces and experiences that align with women’s social and lifestyle interests, such as fashion and beauty, and peer group belonging.

    In racing, gambling is embedded as part of an overall experience for women. As one 23-year-old told us:

    I went to the races with my friends. We dressed up pretty and went, and that was like a girl’s day out thing […] I bet on horses just like once, just like for fun, as part of the experience.

    New gambling products are branded to appeal to women, and betting markets are now offered on popular reality shows such as Married at First Sight, the box office numbers for the opening weekend of the new Snow White movie, who will win Eurovision, and Time’s Person of the Year.

    But it is perhaps the use of celebrities and social media influencers that may have the most appeal to women and more concerningly, girls.

    Women influencers on TikTok and Instagram promote betting as an extension of social activities.

    In our recent study one 13-year-old girl told us:

    When you recognise someone from an ad, it makes it more interesting and it makes you want to watch it more.

    Gambling companies are also sponsoring women’s sports, supporting women’s health initiatives, and even aligning with International Women’s Day.

    We’ve seen this approach before

    The gambling industry is following a well-worn playbook, one mastered by the tobacco industry: when their core market of men became saturated, Big Tobacco turned its attention to women, crafting targeted marketing strategies and novel products to engage new, long-term consumers.

    However, rather than learning the lessons from tobacco, policymakers have been slow to recognise and respond to the playbook of the gambling industry.

    If we want to disrupt the status quo and prevent harm for all Australians, we must take action against the gambling industry and its tactics, rather than the individual, as the key vector of harm.

    Dr Simone McCarthy has received funding for gambling and related research from ACT Office of Gaming and Racing Commision, the Victorian Responsible Gambling Foundation, VicHealth, Department of Social Services, and Deakin University. She is currently a member of the Editorial Board of Health Promotion International.

    Dr Hannah Pitt has received funding from the Australian Research Council. Victorian Responsible Gambling Foundation, VicHealth, NSW Office of Responsible Gambling, Department of Social Services, ACT Office of Gambling and Racing Commission, and Deakin University. She is currently a member of the Editorial Board of Health Promotion International.

    Professor Samantha Thomas has received funding for gambling and related research from the Australian Research Council, ACT Office of Gaming and Racing, Department of Social Services, VicHealth, Victorian Responsible Gambling Foundation, Healthway, NSW Office of Responsible Gambling, Deakin University. She is currently Editor in Chief for Health Promotion International an Oxford University Press journal. She receives an honorarium for this role.

    – ref. The gambling industry has women in its sights. Why aren’t policymakers paying attention? – https://theconversation.com/the-gambling-industry-has-women-in-its-sights-why-arent-policymakers-paying-attention-251914

    MIL OSI Analysis – EveningReport.nz –

    April 24, 2025
  • MIL-OSI: Northrim BanCorp Earns $13.3 Million, or $2.38 Per Diluted Share, in First Quarter 2025

    Source: GlobeNewswire (MIL-OSI)

    ANCHORAGE, Alaska, April 23, 2025 (GLOBE NEWSWIRE) — Northrim BanCorp, Inc. (NASDAQ:NRIM) (“Northrim” or the “Company”) today reported net income of $13.3 million, or $2.38 per diluted share, in the first quarter of 2025, compared to $10.9 million, or $1.95 per diluted share, in the fourth quarter of 2024, and $8.2 million, or $1.48 per diluted share, in the first quarter a year ago. The increase in first quarter 2025 profitability as compared to the first quarter a year ago was primarily the result of an increase in purchased receivable income, higher net interest income, increased mortgage banking income, and a benefit for the provision for credit losses, which were only partially offset by higher other operating expenses. Purchased receivable income increased primarily due to the Company’s acquisition of Sallyport Commercial Finance, LLC (“Sallyport or SCF”), which was completed on October 31, 2024. Sallyport and its direct and indirect subsidiaries provide services and products related to purchased receivable factoring and asset-based lending in the United States, Canada, and the United Kingdom.

    Dividends per share in the first quarter of 2025 increased to $0.64 per share as compared to $0.62 per share in the fourth quarter of 2024 and $0.61 per share in the first quarter of 2024.

    “Our record first quarter earnings are the result of Northrim’s focus on profitable, market share driven growth,” said Mike Huston, Northrim’s President and Chief Executive Officer. “Our strong financial performance is due to our history of investing in our people and banking infrastructure to consistently deliver ‘Superior Customer First Service’. We remain confident that our dedication to serving our customers and communities will support future growth.”

    First Quarter 2025 Highlights:

    • Net interest income in the first quarter of 2025 increased 1% to $31.3 million compared to $30.8 million in the fourth quarter of 2024 and increased 18% compared to $26.4 million in the first quarter of 2024.
    • Net interest margin on a tax equivalent basis (“NIMTE”)* was 4.61% for the first quarter of 2025, up 14-basis points from the fourth quarter of 2024 and up 39-basis points from the first quarter a year ago.
    • Return on average assets (“ROAA”) was 1.76% and return on average equity (“ROAE”) was 19.70% for the first quarter of 2025. ROAA was 1.19% and ROAE was 13.84% for the first quarter of 2024.
    • Portfolio loans were $2.12 billion at March 31, 2025, down slightly from the preceding quarter and up 17% from a year ago. Portfolio loans in the first quarter of 2025 decreased from the preceding quarter primarily due to the reclassification of $100 million of consumer mortgages previously held as residential real estate loans to loans held for sale. The consumer mortgages are expected to be sold in the second quarter of 2025 to reduce the concentration of residential real estate loans and provide additional liquidity for future commercial and construction loan growth.
    • Total deposits were $2.78 billion at March 31, 2025, up 4% from the preceding quarter, and up 14% from $2.43 billion a year ago. Non-interest bearing demand deposits increased 5% from the preceding quarter and increased 4% year-over-year to $742.6 million at March 31, 2025 and represent 27% of total deposits.
    • The average cost of interest-bearing deposits was 2.01% at March 31, 2025, down from 2.15% at December 31, 2024 and 2.13% at March 31, 2024.
    • Mortgage loan originations were $121.6 million in the first quarter of 2025, down from $185.9 million in the fourth quarter of 2024 and up from $101.7 million in the first quarter a year ago. Mortgage loans funded for sale were $108.5 million in the first quarter of 2025, compared to $162.5 million in the fourth quarter of 2024 and $84.3 million in the first quarter of 2024.
    Financial Highlights Three Months Ended
    (Dollars in thousands, except per share data) March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024
    Total assets $ 3,140,960   $ 3,041,869   $ 2,963,392   $ 2,821,668   $ 2,759,560  
    Total portfolio loans $ 2,124,330   $ 2,129,263   $ 2,007,565   $ 1,875,907   $ 1,811,135  
    Total deposits $ 2,777,977   $ 2,680,189   $ 2,625,567   $ 2,463,806   $ 2,434,083  
    Total shareholders’ equity $ 279,756   $ 267,116   $ 260,050   $ 247,200   $ 239,327  
    Net income $ 13,324   $ 10,927   $ 8,825   $ 9,020   $ 8,199  
    Diluted earnings per share $ 2.38   $ 1.95   $ 1.57   $ 1.62   $ 1.48  
    Return on average assets   1.76 %   1.43 %   1.22 %   1.31 %   1.19 %
    Return on average shareholders’ equity   19.70 %   16.32 %   13.69 %   14.84 %   13.84 %
    NIM   4.55 %   4.41 %   4.29 %   4.24 %   4.16 %
    NIMTE*   4.61 %   4.47 %   4.35 %   4.30 %   4.22 %
    Efficiency ratio   64.47 %   66.96 %   66.11 %   68.78 %   68.93 %
    Total shareholders’ equity/total assets   8.91 %   8.78 %   8.78 %   8.76 %   8.67 %
    Tangible common equity/tangible assets*   7.41 %   7.23 %   8.28 %   8.24 %   8.14 %
    Book value per share $ 50.67   $ 48.41   $ 47.27   $ 44.93   $ 43.52  
    Tangible book value per share* $ 41.47   $ 39.17   $ 44.36   $ 42.03   $ 40.61  
    Dividends per share $ 0.64   $ 0.62   $ 0.62   $ 0.61   $ 0.61  
    Common stock outstanding   5,520,892     5,518,210     5,501,943     5,501,562     5,499,578  
                                   

    * References to NIMTE, tangible book value per share, and tangible common equity to tangible common assets, (both of which exclude intangible assets) represent non-GAAP financial measures. Management has presented these non-GAAP measurements in this earnings release, because it believes these measures are useful to investors. See the end of this release for reconciliations of these non-GAAP financial measures to GAAP financial measures.

    Alaska Economic Update
    (Note: sources for information included in this section are included on page 13.)

    The Alaska Department of Labor (“DOL”) has reported Alaska’s seasonally adjusted unemployment rate in February of 2025 was 4.7% compared to the U.S. rate of 4.1%. The total number of payroll jobs in Alaska, not including uniformed military, increased 1.6% or 5,200 jobs between February of 2024 and February of 2025.

    According to the DOL, the Oil and Gas sector had the largest growth rate in new jobs of 7.5% through February 2025 compared to the prior year, up 600 direct jobs. The Construction sector added 1,000 positions for a year-over-year growth rate of 6.1% in February of 2025. The larger Health Care sector grew by 1,400 jobs for an annual growth rate of 3.4%. Transportation, Warehousing and Utilities added 1,100 jobs for a 5% growth rate. Leisure and Hospitality increased 500 jobs year-over-year through February of 2025, up 1.6%.

    The Government sector grew by 600 jobs for 0.7% growth, adding 100 Federal jobs, and 500 State positions in Alaska over the same period. Declining sectors between February 2024 and February 2025 were Manufacturing (primarily seafood processing) shrinking 500 positions (-4.4%), Financial Activities, down 100 jobs (-0.9%), and Retail lost 100 jobs (-0.3%).

    Alaska’s seasonally adjusted personal income was $56.5 billion in the fourth quarter of 2024 according to the Federal Bureau of Economic Analysis (“BEA”). This was an annualized improvement in the fourth quarter of 4.7% for Alaska, compared to the national average of 4.6%. Alaska enjoyed an annual personal income improvement of 6% in 2024 compared to the U.S. increase of 5.4%, ranking Alaska 6th best in the nation. The $650 million increase in personal income in the fourth quarter in Alaska came from a $446 million increase in net earnings from wages, $154 million growth in government transfer receipts, and a $49 million increase in investment income.

    Alaska’s Gross State Product (“GSP”) in 2024, reached $70 billion for the first time according to the BEA. Alaska’s inflation adjusted “real” GSP increased 1.5% in 2024 and 4% annualized in the fourth quarter of 2024, placing Alaska third best of all 50 states for the quarter. The average U.S. GDP growth rate was 2.8% for the year and 2.4% in the fourth quarter of 2024. Alaska’s real GSP improvement in the fourth quarter of 2024 was primarily caused by growth in the Mining, Oil & Gas; Transportation & Warehousing; and to a lesser extent the Health Care sector. Construction played a larger role in the annual state GSP performance.

    Based on data from the U.S. Chamber of Commerce, Alaska exported $5.2 billion in goods to foreign countries in 2023. China is the largest importer of Alaska’s products at $1.2 billion, followed by Japan at $710 million and Korea at $702 million in 2023. Fish and related maritime products accounted for the largest volume at $2.1 billion, followed by minerals and ores $1.5 billion, and primary metals at $780 million in 2023. Chief Credit Officer and Bank Economist Mark Edwards stated, “President Trump’s significant changes to international tariffs has created uncertainty in trade markets. At this time, it is unknown how each country will respond. Alaska’s natural resources are highly valued commodities throughout the world. If issues arise with one country, such as China, it is most likely that Alaska’s products will be redirected to other markets like Japan and South Korea or sold domestically in the United States. Canada is the largest long-term investor in Alaska’s mining industry. This involves significant fixed capital investments made over decades that are unlikely to shift dramatically in the short-run.”

    According to the US Bureau of Labor Statistics, the Consumer Price Index, or CPI, for the U.S. increased 2.8% between February of 2024 and February of 2025. In Alaska, the rate of increase was 2.9% for the same time period. Food and beverage; housing rents and mortgage rates; transportation; and medical care costs are the largest causes for inflation. Declining motor fuel prices, new and used car prices, and household furnishing costs have helped moderate inflationary pressures in Alaska.

    The monthly average price of Alaska North Slope (“ANS”) crude oil was $76.39 in January, $74.03 in February and $73.39 in March of 2025. The Alaska Department of Revenue (“DOR”) calculated ANS crude oil production was 461 thousand barrels per day (“bpd”) in Alaska’s fiscal year ending June 30, 2024. Through nine months of the fiscal year 2025, production has averaged slightly above the State of Alaska forecast of 467 thousand bpd. In the Spring 2025 Revenue Forecast published March 12, 2025, the DOR expects production to continue to grow to 663 thousand bpd by fiscal year 2034. This is primarily a result of new production coming on-line in and around the NPR-A region west of Prudhoe Bay. A partnership between Santos and Repsol is constructing the new Pikka oil field and ConocoPhillips is developing the new Willow oil field. There are also a number of smaller new oil fields in Alaska’s North Slope that are contributing to the State of Alaska’s production growth estimates.

    The Alaska Permanent Fund is seeded annually by the oil wealth the State continues to save each year and has grown significantly over 40 years of successful investment. As of February 28, 2025 the funds value was $81.35 billion. According to the DOR it is scheduled to contribute $3.7 billion to the Alaska General Fund in fiscal year 2025 for general government spending and to pay the annual dividend to Alaskan residents.

    According to the Alaska Multiple Listing Services, the average sales price of a single family home in Anchorage rose 6.2% in 2024 to $510,109, following a 5.2% increase in 2023. This was the seventh consecutive year of price increases.

    The average sales price for single family homes in the Matanuska Susitna Borough rose 3.8% in 2024 to $412,859, after increasing 4% in 2023. This continues a trend of average price increases for more than a decade in the region. These two markets represent where the vast majority of the residential lending activity for Northrim Bank (the”Bank”) occurs.

    The Alaska Multiple Listing Services reported a 3.4% increase in the number of units sold in Anchorage when comparing 2024 to 2023. There was virtually no change in the number of homes sold in the Matanuska Susitna Borough, with only four fewer homes sold in 2024 than in 2023 or -0.2%.

    Northrim Bank sponsors the Alaskanomics blog to provide news, analysis, and commentary on Alaska’s economy. Join the conversation at Alaskanomics.com, or for more information on the Alaska economy, visit: www.northrim.com and click on the “Business Banking” link and then click “Learn.” Information from our website is not incorporated into, and does not form, a part of this earnings release.

    Review of Income Statement

    Consolidated Income Statement

    In the first quarter of 2025, Northrim generated a ROAA of 1.76% and a ROAE of 19.70%, compared to 1.43% and 16.32%, respectively, in the fourth quarter of 2024 and 1.19% and 13.84%, respectively, in the first quarter a year ago.

    Net Interest Income/Net Interest Margin

    Net interest income increased 1% to $31.3 million in the first quarter of 2025 compared to $30.8 million in the fourth quarter of 2024 and increased 18% compared to $26.4 million in the first quarter of 2024. Interest expense on deposits decreased to $9.9 million in the first quarter of 2025 compared to $10.6 million in the fourth quarter of 2024 and increased compared to $9.2 million in the first quarter of 2024.

    NIMTE* was 4.61% in the first quarter of 2025 up from 4.47% in the preceding quarter and 4.22% in the first quarter a year ago. NIMTE* increased 39 basis points in the first quarter of 2025 compared to the first quarter of 2024 primarily due to a favorable change in the mix of earning-assets towards higher loan balances as a percentage of total earning-assets, slightly higher yields on those assets, and a decrease in costs on interest-bearing liabilities. The weighted average interest rate for new loans booked in the first quarter of 2025 was 7.30% compared to 7.23% in the fourth quarter of 2024 and 7.84% in the first quarter a year ago. The yield on the investment portfolio in the first quarter of 2025 increased to 2.97% from 2.84% in the fourth quarter of 2024 and 2.82% in the first quarter of 2024. “We are starting to see some benefit from lower deposit costs that benefit our net interest margin and outweigh the impact of the recent Fed rate cuts on our loan portfolio, which we could continue to see for the next couple of quarters,” said Jed Ballard, Chief Financial Officer. Northrim’s NIMTE* continues to remain above the peer average of 3.23% posted by the S&P U.S. Small Cap Bank Index with total market capitalization between $250 million and $1 billion as of December 31, 2024.

    Provision for Credit Losses

    Northrim recorded a benefit to the provision for credit losses of $1.4 million in the first quarter of 2025, which was comprised of a benefit to the provision for credit losses on loans of $1.1 million, a $322,000 benefit to the provision for credit losses on unfunded commitments, and a provision for credit losses on purchased receivables of $46,000. This compares to a provision for credit losses of $1.2 million in the fourth quarter of 2024, and provision for credit losses of $149,000 in the first quarter a year ago.

    The benefit to the provision for unfunded commitments in the first quarter of 2025 was primarily due to a decrease in estimated loss rates due to changes in mix that was only partially offset by management’s assessment of economic conditions and estimated funding rates. The decrease to the provision for credit losses on loans in the first quarter of 2025 as compared to the prior quarter and the same quarter a year ago was primarily a result of the reclassification of $100 million in mortgage loans to loans held for sale, which provided a benefit to the provision of $2.2 million in the Home Mortgage Lending segment for the first quarter of 2025. This benefit was only partially offset by a $1.5 million provision for credit losses in the Home Mortgage Lending segment due to changes in the Company’s loss rate regression models for home mortgage loans. Additionally, the Company recorded $1.7 million net benefit for credit losses in the Community Banking segment related to changes in the Company’s loss rate regression models for commercial, commercial real estate, and construction loans. These decreases in the provision were only partially offset by increases in estimated loss rates for management’s assessment of economic conditions, an increase for higher loan balances in other loan segments, and specific provisions for credit losses in the Specialty Finance segment. These items reduced the overall benefit by $1.3 million. The provision for credit losses related to the Specialty Finance segment of $666,000 in the first quarter of 2025 consisted of a $621,000 provision for credit losses on loans and a $46,000 provision for credit losses on purchased receivables and represents management’s estimate of collateral shortfalls for four loans.

    Nonperforming loans, net of government guarantees, increased during the quarter to $8.0 million at March 31, 2025, compared to $7.5 million at December 31, 2024, and $5.3 million at March 31, 2024.

    The allowance for credit losses on loans was 262% of nonperforming loans, net of government guarantees, at the end of the first quarter of 2025, compared to 292% three months earlier and 333% a year ago.

    Other Operating Income

    In addition to home mortgage lending, Northrim has interests in other businesses that complement its core community banking activities, including purchased receivables financing and wealth management. Other operating income contributed $14.2 million, or 31% of total first quarter 2025 revenues, as compared to $13.0 million, or 30% of revenues in the fourth quarter of 2024, and $7.8 million, or 23% of revenues in the first quarter of 2024. The increase in other operating income in the first quarter of 2025 as compared to the preceding quarter and the first quarter of 2024 was primarily the result of increased purchased receivable income due to the Company’s acquisition of Sallyport on October 31, 2024. The fair market value of marketable equity securities decreased $50,000 in the first quarter of 2025 compared to a decrease of $364,000 in the prior quarter and an increase of $314,000 in the first quarter of 2024. Additionally, the increase in other operating income in the first quarter of 2025 as compared to the fourth quarter of 2024 was partially offset by a decrease in mortgage banking income due to a lower volume of mortgage activity. See further discussion regarding mortgage activity contained under “Home Mortgage Lending” below.

    Other Operating Expenses

    Operating expenses were $29.3 million in the first quarter of 2025, compared to $29.4 million in the fourth quarter of 2024, and $23.6 million in the first quarter of 2024. The decrease in other operating expenses in the first quarter of 2025 compared to the fourth quarter of 2024 was primarily due to a decrease in salaries and other personnel expense, including $623,000 in lower mortgage commissions expense due to lower mortgage volume and a decrease in profit share expense. Professional fees decreased in the first quarter of 2025 compared to the fourth quarter of 2024 primarily due to one-time deal costs associated with the acquisition of Sallyport of $1.1 million recorded in the fourth quarter of 2024. These decreases were only partially offset by $600,000 in compensation expense for Sallyport acquisition payments and an increase in other operating expense for a decrease in fair value of loans held for sale of $1.2 million as a result of reclassifying the consumer mortgages discussed above. The increase in other operating expenses in the first quarter of 2025 compared to the first quarter a year ago was primarily due to an increase in salaries and other personnel expense, the increase in compensation expense for Sallyport acquisition payments, the increase in other operating expense for the decrease in fair value of loans held for sale, as well as an increase in other real estate owned, or OREO, expense due to a gain on sale recorded in the first quarter of 2024 for proceeds received related to a government guarantee on an OREO property in prior years. Total other operating expense increased $2.7 million in the Specialty Finance segment in the first quarter of 2025 compared to the first quarter of 2024 from the addition of Sallyport on October 31, 2024.

    Income Tax Provision

    In the first quarter of 2025, Northrim recorded $4.3 million in state and federal income tax expense for an effective tax rate of 24.2%, compared to $2.4 million, or 17.8% in the fourth quarter of 2024 and $2.3 million, or 21.9% in the first quarter a year ago. The increase in the tax rate in the first quarter of 2025 as compared to the fourth and first quarters of 2024 is primarily the result of a decrease in tax credits and tax exempt interest income as a percentage of pre-tax income in 2025 as compared to 2024.

    Community Banking

    Northrim is committed to meeting the needs of the diverse communities in which it operates. As a testament to that support, the Bank has branches in four regions of Alaska identified by the Federal Reserve as ‘distressed or underserved non-metropolitan middle-income geographies’.

    Net interest income in the Community Banking segment totaled $28.2 million in the first quarter of 2025, compared to $27.6 million in the fourth quarter of 2024 and $24.2 million in the first quarter of 2024. Net interest income increased slightly in the first quarter of 2025 as compared to the fourth quarter of 2024 mostly due to lower interest expense on deposits and borrowings and higher interest income on loans. These increases were only partially offset by lower interest income on investments.

    Other operating expenses in the Community Banking segment totaled $18.6 million in the first quarter of 2025, down $535,000 or 3% from $19.1 million in the fourth quarter of 2024, and up $1.4 million or 8% from $17.2 million in the first quarter a year ago. The decrease in the first quarter of 2025 as compared to the prior quarter was mostly due to decreases in salaries and other personnel expense, marketing expense, and professional and outside services expense. The increase in the first quarter of 2025 as compared to the first quarter a year ago was primarily due to an increase in OREO expense due to a gain on sale recorded in the first quarter of 2024 for proceeds received related to a government guarantee on an OREO property sold in prior years, as well as increases in data processing expense, insurance expense, salaries and other personnel expense, and marketing expense.

    The following table provides highlights of the Community Banking segment of Northrim:

      Three Months Ended
    (Dollars in thousands, except per share data) March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024
    Net interest income $ 28,151   $ 27,643   $ 25,928   $ 24,318   $ 24,215  
    (Benefit) provision for credit losses   (1,768 )   771     1,492     (184 )   197  
    Other operating income   2,703     2,535     3,507     2,450     2,468  
    Other operating expense   18,581     19,116     18,723     18,068     17,178  
    Income before provision for income taxes   14,041     10,291     9,220     8,884     9,308  
    Provision for income taxes   3,253     1,474     2,133     1,786     1,966  
    Net income $ 10,788   $ 8,817   $ 7,087   $ 7,098   $ 7,342  
    Weighted average shares outstanding, diluted   5,608,102     5,597,889     5,583,055     5,558,580     5,554,930  
    Diluted earnings per share attributable to Community Banking $ 1.93   $ 1.58   $ 1.26   $ 1.27   $ 1.32  
                                   

    Home Mortgage Lending

    During the first quarter of 2025, mortgage loans funded for sale were $108.5 million, compared to $162.5 million in the fourth quarter of 2024, and $84.3 million in the first quarter of 2024.

    During the first quarter of 2025, the Bank purchased loans of $13.1 million from its subsidiary, Residential Mortgage. of which approximately half were jumbos, one-quarter were mortgages for second homes, and one-quarter were adjustable rate mortgages, with a weighted average interest rate of 6.39%, as compared to $23.4 million and 6.30% in the fourth quarter of 2024, and $17.4 million and 6.65% in the first quarter of 2024. Net interest income contributed $3.0 million to total Home Mortgage Lending revenue in the first quarter of 2025, down from $3.3 million in the prior quarter, and up from $2.2 million in the first quarter a year ago.

    The income statement impact from the reclassification of the consumer mortgages was a decrease in provision for credit losses of $2.2 million and a $1.2 million decrease in the fair value of mortgages.

    The Arizona, Colorado, and Pacific Northwest mortgage expansion markets were responsible for 20% of Residential Mortgage’s $122 million total production in the first quarter of 2025, 19% of $186 million total production in the fourth quarter of 2024, and 19% of $102 million total production in the first quarter of 2024.

    The net change in fair value of mortgage servicing rights decreased mortgage banking income by $855,000 during the first quarter of 2025 compared to an increase of $873,000 for the fourth quarter of 2024 and a decrease of $25,000 for the first quarter of 2024. Mortgage servicing revenue decreased to $2.7 million in the first quarter of 2025 from $2.8 million in the prior quarter and increased from $1.6 million in the first quarter of 2024 due to an increase in production of Alaska Housing Finance Corporation (AHFC) mortgages, which contribute to servicing revenues at origination. In the first quarter of 2025, the Company’s servicing portfolio increased $24.0 million compared to a $294.1 million increase in the fourth quarter of 2024, which included the purchase of the AHFC servicing portfolio of $235.6 million, and an increase of $15.5 million in the first quarter of 2024.

    As of March 31, 2025, Northrim serviced 6,391 loans in its $1.48 billion home-mortgage-servicing portfolio, a 2% increase compared to the $1.46 billion serviced as of the end of the fourth quarter of 2024, and a 40% increase from the $1.06 billion serviced a year ago.

    The following table provides highlights of the Home Mortgage Lending segment of Northrim:

      Three Months Ended
    (Dollars in thousands, except per share data) March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024
    Mortgage commitments $ 68,258   $ 32,299   $ 77,591   $ 88,006   $ 56,208  
               
    Mortgage loans funded for sale $ 108,499   $ 162,530   $ 209,960   $ 152,339   $ 84,324  
    Mortgage loans funded for investment   13,061     23,380     38,087     29,175     17,403  
    Total mortgage loans funded $ 121,560   $ 185,910   $ 248,047   $ 181,514   $ 101,727  
    Mortgage loan refinances to total fundings   11 %   11 %   6 %   6 %   4 %
    Mortgage loans serviced for others $ 1,484,714   $ 1,460,720   $ 1,166,585   $ 1,101,800   $ 1,060,007  
               
    Net realized gains on mortgage loans sold $ 2,740   $ 3,747   $ 5,079   $ 3,188   $ 1,980  
    Change in fair value of mortgage loan commitments, net   660     (665 )   60     391     386  
    Total production revenue   3,400     3,082     5,139     3,579     2,366  
    Mortgage servicing revenue   2,696     2,847     2,583     2,164     1,561  
    Change in fair value of mortgage servicing rights:          
    Due to changes in model inputs of assumptions1   (322 )   1,372     (566 )   239     289  
    Other2   (533 )   (499 )   (402 )   (320 )   (314 )
    Total mortgage servicing revenue, net   1,841     3,720     1,615     2,083     1,536  
    Other mortgage banking revenue   170     238     293     222     129  
    Total mortgage banking income $ 5,411   $ 7,040   $ 7,047   $ 5,884   $ 4,031  
               
    Net interest income $ 3,046   $ 3,280   $ 2,941   $ 2,775   $ 2,232  
    Provision (benefit) for credit losses   (307 )   305     571     64     (48 )
    Mortgage banking income   5,411     7,040     7,047     5,884     4,031  
    Other operating expense   7,650     7,198     7,643     6,697     6,086  
    Income (loss) before provision for income taxes   1,114     2,817     1,774     1,898     225  
    Provision (benefit) for income taxes   310     842     497     532     63  
    Net income (loss) $ 804   $ 1,975   $ 1,277   $ 1,366   $ 162  
               
    Weighted average shares outstanding, diluted   5,608,102     5,597,889     5,583,055     5,558,580     5,554,930  
    Diluted earnings per share attributable to Home Mortgage Lending $ 0.14   $ 0.35   $ 0.23   $ 0.25   $ 0.03  

    1Principally reflects changes in discount rates and prepayment speed assumptions, which are primarily affected by changes in interest rates.
    2Represents changes due to collection/realization of expected cash flows over time.

    Specialty Finance

    The Company’s Specialty Finance segment includes Northrim Funding Services and Sallyport Commercial Finance. Northrim Funding Services is a division of the Bank and has offered factoring solutions to small businesses since 2004. Sallyport is a leading provider of factoring, asset-based lending and alternative working capital solutions to small and medium sized enterprises in the United States, Canada, and the United Kingdom that the Company acquired on October 31, 2024 in an all cash transaction valued at approximately $53.9 million. The composition of revenues for the Specialty Finance segment are primarily purchased receivable income, but also includes interest income and other fee income.

    The acquisition of Sallyport included $1.1 million in one-time deal related costs which are reflected in other operating expenses for the fourth quarter of 2024 in the tables below. Total pre-tax income for Sallyport for the first quarter of 2025 was $1.3 million compared to $945,000 for the two months of operations in the fourth quarter of 2024, excluding transaction costs.

    Average purchased receivables and loan balances at Sallyport were $59.9 million for the first quarter of 2025, and yielded 35.8%. This included the recognition of $899,000 in fee income collected during the quarter related to two nonperforming receivables that was previously deferred and the collection of a $350,000 line termination fee. The yield excluding these items for the first quarter of 2025 was 27.4%.

    The following table provides highlights of the Specialty Finance segment of Northrim:

      Three Months Ended
    (Dollars in thousands, except per share data) March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024
    Purchased receivable income $ 6,150   $ 3,526   $ 1,033   $ 1,243   $ 1,345  
    Other operating income   (64 )   (68 )   —     —     —  
    Interest income   596     407     158     170     212  
    Total revenue   6,682     3,865     1,191     1,413     1,557  
    Provision for credit losses   666     125     —     —     —  
    Compensation expense – SCF acquisition payments   600     —     —     —     —  
    Other operating expense   2,500     3,063     362     429     374  
    Interest expense   496     489     185     210     212  
    Total expense   4,262     3,677     547     639     586  
    Income before provision for income taxes   2,420     188     644     774     971  
    Provision for income taxes   688     53     183     218     276  
    Net income Specialty Finance segment $ 1,732   $ 135   $ 461   $ 556   $ 695  
    Weighted average shares outstanding, diluted   5,608,102     5,597,889     5,583,055     5,558,580     5,554,930  
    Diluted earnings per share attributable to Specialty Finance $ 0.31   $ 0.02   $ 0.08   $ 0.10   $ 0.13  
                                   

    Balance Sheet Review

    Northrim’s total assets were $3.14 billion at March 31, 2025, up 3% from the preceding quarter and up 14% from a year ago. Northrim’s loan-to-deposit ratio was 76% at March 31, 2025, down from 79% at December 31, 2024, and up from 74% at March 31, 2024.

    At March 31, 2025, our liquid assets, investments, and loans maturing within one year were $1.11 billion and our funds available for borrowing under our existing lines of credit were $571.7 million. Given these sources of liquidity and our expectations for customer demands for cash and for our operating cash needs, we believe our sources of liquidity to be sufficient for the foreseeable future.

    Average interest-earning assets were $2.78 billion in the first quarter of 2025, down slightly from $2.79 billion in the fourth quarter of 2024 and up 9% from $2.56 billion in the first quarter a year ago. The average yield on interest-earning assets was 6.10% in the first quarter of 2025, up slightly from 6.02% in the preceding quarter and up from 5.69% in the first quarter a year ago.

    Average investment securities decreased to $523.8 million in the first quarter of 2025, compared to $565.8 million in the fourth quarter of 2024 and $670.9 million in the first quarter a year ago. The average net tax equivalent yield on the securities portfolio was 2.97% for the first quarter of 2025, up from 2.84% in the preceding quarter and up from 2.82% in the year ago quarter. The average estimated duration of the investment portfolio at March 31, 2025, was approximately 2.4 years compared to approximately 2.7 years at March 31, 2024. As of March 31, 2025, $70.0 million of available for sale securities with a weighted average yield of 2.25% are scheduled to mature in the next six months, $80.7 million with a weighted average yield of 1.16% are scheduled to mature in six months to one year, and $168.6 million with a weighted average yield of 1.67% are scheduled to mature in the following year, representing a total of $319.4 million or 11% of earning assets that are scheduled to mature in the next 24 months.

    Total unrealized losses, net of tax, on available for sale securities decreased by $2.8 million in the first quarter of 2025 resulting in total unrealized loss, net of tax, of $5.5 million compared to $8.3 million at December 31, 2024, and $17.2 million a year ago. The average maturity of the available for sale securities with the majority of the unrealized loss is 1.3 years. Total unrealized losses on held to maturity securities were $1.1 million at March 31, 2025, compared to $1.0 million at December 31, 2024, and $3.4 million a year ago.

    Average interest bearing deposits in other banks decreased to $38.0 million in the first quarter of 2025 from $72.2 million in the fourth quarter of 2024 and decreased from $61.6 million in the first quarter of 2024, as cash was used to fund the loan growth and provide liquidity.

    Loans held for sale increased to $159.6 million at March 31, 2025, compared to $60.0 million at December 31, 2024, and $43.8 million a year ago, largely due to the reclassification of $100 million consumer mortgage loans from portfolio loans in the first quarter of 2025. Management expects to sell these loans with servicing retained which will result in an increase to mortgage servicing rights when the sale closes in the second quarter of 2025.

    Portfolio loans were $2.12 billion at March 31, 2025, consistent with the preceding quarter and up 17% from a year ago. Portfolio loans, excluding consumer mortgage loans, were $1.94 billion at March 31, 2025, up $77.4 million or 4% from the preceding quarter and up 22% from a year ago. This increase in the first quarter of 2025 was diversified throughout the loan portfolio including nonowner-occupied commercial real estate and multi-family loans increasing by $70.8 million, commercial loans increasing by $55.4 million, and commercial real estate owner-occupied loans increasing $10.4 million from the preceding quarter. These increases were partially offset by a $57.9 million decrease in construction loans. Average portfolio loans in the first quarter of 2025 were $2.17 billion, which was up 5% from the preceding quarter and up 21% from a year ago. Yields on average portfolio loans in the first quarter of 2025 decreased to 6.89% from 6.93% in the fourth quarter and increased from 6.75% in the first quarter of 2024. The decrease in the yield on portfolio loans in the first quarter of 2025 compared to the fourth quarter of 2024 is primarily due to a change in the mix of loans as construction loans decreased and commercial real estate loans increased as a percentage of the overall portfolio. The yield on new portfolio loans, excluding consumer mortgage loans, was 7.43% in the first quarter of 2025 as compared to 7.40% in the fourth quarter of 2024 and 8.39% in the first quarter of 2024.

    Northrim’s loans and credit lines are subject to approval procedures and amount limitations. These limitations apply to the borrower’s total outstanding indebtedness and commitments to us, including the indebtedness of any guarantor. Generally, Northrim is permitted to make loans to one borrower of up to 15% of the unimpaired capital and surplus of the Bank. The legal lending limit was $37.6 million at March 31, 2025. At March 31, 2025, Northrim had 23 relationships totaling $520.2 million in portfolio loans whose total direct and indirect commitments were greater than 50% of the legal lending limit.

    Alaskans continue to account for substantially all of Northrim’s deposit base. Total deposits were $2.78 billion at March 31, 2025, up 4% from $2.68 billion at December 31, 2024, and up 14% from $2.43 billion a year ago. “The increase in deposits in the first quarter of 2025 was not consistent with our customers’ normal business cycles as we normally see decreases in balances during the first quarter, however deposits from new relationships in the quarter were more than able to offset our normal seasonal deposit movement,” said Ballard. At March 31, 2025, 74% of total deposits were held in business accounts and 26% of deposit balances were held in consumer accounts. Northrim had approximately 34,000 deposit customers with an average balance of $61,000 as of March 31, 2025. Northrim had 27 customers with balances over $10 million as of March 31, 2025, which accounted for $694.7 million, or 26%, of total deposits. Demand deposits increased by 5% from the prior quarter and increased 4% from the prior year to $742.6 million at March 31, 2025. Demand deposits remained consistent at 27% of total deposits at both March 31, 2025 and December 31, 2024 and were down from 29% of total deposits at March 31, 2024. Average interest-bearing deposits were up 2% to $2.00 billion with an average cost of 2.01% in the first quarter of 2025, compared to $1.95 billion and an average cost of 2.15% in the fourth quarter of 2024, and up 16% compared to $1.73 billion and an average cost of 2.13% in the first quarter of 2024. Uninsured deposits totaled $1.04 billion or 37% of total deposits as of March 31, 2025 compared to $1.08 billion or 40% of total deposits as of December 31, 2024.

    Shareholders’ equity was $279.8 million, or $50.67 book value per share, at March 31, 2025, compared to $267.1 million, or $48.41 book value per share, at December 31, 2024 and $239.3 million, or $43.52 book value per share, a year ago. Tangible book value per share* was $41.47 at March 31, 2025, compared to $39.17 at December 31, 2024, and $40.61 per share a year ago. The increase in shareholders’ equity in the first quarter of 2025 as compared to the fourth quarter of 2024 was largely the result of earnings of $13.3 million and an increase in the fair value of the available for sale securities portfolio, which increased $5.5 million, net of tax, which were only partially offset by dividends paid of $3.6 million. The Company did not repurchase any shares of common stock in the first quarter of 2025 and currently has no plans to continue to repurchase shares. Tangible common equity to tangible assets* was 7.41% as of March 31, 2025, compared to 7.23% as of December 31, 2024 and 8.14% as of March 31, 2024. Northrim continues to maintain capital levels in excess of the requirements to be categorized as “well-capitalized” with Tier 1 Capital to Risk Adjusted Assets of 9.76% at March 31, 2025, compared to 9.76% at December 31, 2024, and 11.55% at March 31, 2024.

    Asset Quality

    Northrim believes it has a consistent lending approach throughout economic cycles, which emphasizes appropriate loan-to-value ratios, adequate debt coverage ratios, and competent management.

    Nonperforming assets (“NPAs”) net of government guarantees were $12.3 million at March 31, 2025, up from $11.6 million at December 31, 2024 and $5.4 million a year ago. Of the NPAs at March 31, 2025, $4.5 million are attributable to the Community Banking segment and $7.6 million are attributable to the Specialty Finance segment.

    Net adversely classified loans were $20.4 million at March 31, 2025, as compared to $9.6 million at December 31, 2024, and $7.2 million a year ago. Adversely classified loans are loans that Northrim has classified as substandard, doubtful, and loss, net of government guarantees. The increase in adversely classified loans, net of government guarantees, at March 31, 2025 as compared to the prior quarter and prior year is mostly attributable to two commercial relationships totaling $9.4 million. Net loan recoveries were $34,000 in the first quarter of 2025, compared to net loan recoveries of $51,000 in the fourth quarter of 2024, and net loan recoveries of $42,000 in the first quarter of 2024. Additionally, Northrim had three new loan modifications to borrowers experiencing financial difficulty totaling $813,000, for a total of 14 totaling $3.8 million, net of government guarantees in the first quarter of 2025.

    Northrim had $140.7 million, or 7% of portfolio loans, in the Healthcare sector, $122.5 million, or 6% of portfolio loans, in the Tourism sector, $110.9 million, or 5% of portfolio loans, in the Accommodations sector, $91.2 million, or 4% of portfolio loans, in the Retail sector, $85.7 million, or 4% of portfolio loans, in the Aviation (non-tourism) sector, $75.5 million, or 4% of portfolio loans, in the Fishing sector, and $60.2 million, or 3% in the Restaurants and Breweries sector as of March 31, 2025.

    Northrim estimates that $106.3 million, or approximately 5% of portfolio loans, had direct exposure to the oil and gas industry in Alaska, as of March 31, 2025, and $1.5 million of these loans are adversely classified. As of March 31, 2025, Northrim has an additional $32.6 million in unfunded commitments to companies with direct exposure to the oil and gas industry in Alaska, and no unfunded commitments on adversely classified loans. Northrim defines direct exposure to the oil and gas sector as loans to borrowers that provide oilfield services and other companies that have been identified as significantly reliant upon activity in Alaska related to the oil and gas industry, such as lodging, equipment rental, transportation and other logistics services specific to this industry.

    About Northrim BanCorp

    Northrim BanCorp, Inc. is the parent company of Northrim Bank, an Alaska-based community bank with 20 branches throughout the state and differentiates itself with its detailed knowledge of Alaska’s economy and its “Customer First Service” philosophy. The Bank has two wholly-owned subsidiaries, Sallyport Commercial Finance, LLC, a specialty finance company and Residential Mortgage Holding Company, LLC, a regional home mortgage company. Pacific Wealth Advisors, LLC is an affiliated company.

    www.northrim.com

    Forward-Looking Statement
    This release may contain “forward-looking statements” as that term is defined for purposes of Section 21E of the Securities Exchange Act of 1934, as amended. These statements are, in effect, management’s attempt to predict future events, and thus are subject to various risks and uncertainties. Readers should not place undue reliance on forward-looking statements, which reflect management’s views only as of the date hereof. All statements, other than statements of historical fact, regarding our financial position, business strategy, management’s plans and objectives for future operations are forward-looking statements. When used in this report, the words “anticipate,” “believe,” “estimate,” “expect,” and “intend” and words or phrases of similar meaning, as they relate to Northrim and its management are intended to help identify forward-looking statements. Although we believe that management’s expectations as reflected in forward-looking statements are reasonable, we cannot assure readers that those expectations will prove to be correct. Forward-looking statements, are subject to various risks and uncertainties that may cause our actual results to differ materially and adversely from our expectations as indicated in the forward-looking statements. These risks and uncertainties include: descriptions of Northrim’s and Sallyport’s financial condition, results of operations, asset based lending volumes, asset and credit quality trends and profitability and statements about the expected financial benefits and other effects of the acquisition of Sallyport by Northrim Bank; expected cost savings, synergies and other financial benefits from the acquisition of Sallyport by Northrim Bank might not be realized within the expected time frames and costs or difficulties relating to integration matters might be greater than expected; the ability of Northrim and Sallyport to execute their respective business plans; potential further increases in interest rates; the value of securities held in our investment portfolio; the impact of the results of government initiatives, including tariffs, on the regulatory landscape, natural resource extraction industries, and capital markets; the impact of declines in the value of commercial and residential real estate markets, high unemployment rates, inflationary pressures and slowdowns in economic growth; changes in banking regulation or actions by bank regulators; potential further increases in inflation, supply-chain constraints, and potential geopolitical instability, including the wars in Ukraine and the Middle East; financial stress on borrowers (consumers and businesses) as a result of higher rates or an uncertain economic environment; the general condition of, and changes in, the Alaska economy; our ability to maintain or expand our market share or net interest margin; the sufficiency of our allowance for credit losses and the accuracy of the assumptions or estimates used in preparing our financial statements, including those related to current expected credit losses accounting guidance; our ability to maintain asset quality; our ability to implement our marketing and growth strategies; our ability to identify and address cyber-security risks, including security breaches, “denial of service attacks,” “hacking,” and identity theft; disease outbreaks; and our ability to execute our business plan. Further, actual results may be affected by competition on price and other factors with other financial institutions; customer acceptance of new products and services; the regulatory environment in which we operate; and general trends in the local, regional and national banking industry and economy. In addition, there are risks inherent in the banking industry relating to collectability of loans and changes in interest rates. Many of these risks, as well as other risks that may have a material adverse impact on our operations and business, are identified in the “Risk Factors” section of our Annual Report on Form 10-K for the fiscal year ended December 31, 2024, and from time to time are disclosed in our other filings with the Securities and Exchange Commission. However, you should be aware that these factors are not an exhaustive list, and you should not assume these are the only factors that may cause our actual results to differ from our expectations. These forward-looking statements are made only as of the date of this release, and Northrim does not undertake any obligation to release revisions to these forward-looking statements to reflect events or conditions after the date of this release.

    References:

    https://www.bea.gov/

    http://almis.labor.state.ak.us/

    http://www.tax.alaska.gov/programs/oil/prevailing/ans.aspx

    http://www.tax.state.ak.us/

    www.mba.org

    https://www.alaskarealestate.com/MLSMember/RealEstateStatistics.aspx

    https://www.akleg.gov/basis/Bill/Text/34?Hsid=HJR011C

    https://www.uschamber.com/assets/static/maps/international-trade/AK_Chamber_2024.pdf

    https://tax.alaska.gov/programs/programs/reports/RSB.aspx?Year=2025&Type=Spring

    https://www.capitaliq.spglobal.com/web/client?auth=inherit&overridecdc=1&#markets/indexFinancials

    Income Statement      
    (Dollars in thousands, except per share data) Three Months Ended
    (Unaudited) March 31, December 31, March 31,
        2025     2024     2024  
    Interest Income:      
    Interest and fees on loans $ 37,470   $ 37,059   $ 30,450  
    Interest on portfolio investments   3,675     3,844     4,520  
    Interest on deposits in banks   416     883     838  
    Total interest income   41,561     41,786     35,808  
    Interest Expense:      
    Interest expense on deposits   9,935     10,568     9,180  
    Interest expense on borrowings   329     377     181  
    Total interest expense   10,264     10,945     9,361  
    Net interest income   31,297     30,841     26,447  
           
    (Benefit) provision for credit losses   (1,409 )   1,201     149  
    Net interest income after provision for credit losses   32,706     29,640     26,298  
           
    Other Operating Income:      
    Purchased receivable income   6,150     3,526     1,345  
    Mortgage banking income   5,411     7,040     4,031  
    Bankcard fees   1,074     1,148     917  
    Service charges on deposit accounts   677     622     549  
    Unrealized gain (loss) on marketable equity securities   (50 )   (364 )   314  
    Other income   938     949     688  
    Total other operating income   14,200     13,033     7,844  
           
    Other Operating Expense:      
    Salaries and other personnel expense   17,223     18,254     15,417  
    Data processing expense   3,104     3,108     2,659  
    Occupancy expense   1,889     1,893     1,962  
    Professional and outside services   1,115     1,967     755  
    Insurance expense   1,017     894     779  
    Marketing expense   672     965     513  
    Compensation expense – SCF acquisition payments   600     —     —  
    OREO expense, net rental income and gains on sale   3     2     (391 )
    Other operating expense   3,708     2,294     1,944  
    Total other operating expense   29,331     29,377     23,638  
           
    Income before provision for income taxes   17,575     13,296     10,504  
    Provision for income taxes   4,251     2,369     2,305  
    Net income $ 13,324   $ 10,927   $ 8,199  
           
    Basic EPS $ 2.41   $ 1.99   $ 1.49  
    Diluted EPS $ 2.38   $ 1.95   $ 1.48  
    Weighted average shares outstanding, basic   5,519,998     5,509,078     5,499,578  
    Weighted average shares outstanding, diluted   5,608,102     5,597,889     5,554,930  
                       
    Balance Sheet      
    (Dollars in thousands)      
    (Unaudited) March 31, December 31, March 31,
        2025     2024     2024  
           
    Assets:      
    Cash and due from banks $ 29,671   $ 42,101   $ 30,159  
    Interest bearing deposits in other banks   35,852     20,635     50,205  
    Investment securities available for sale, at fair value   463,096     478,617     592,479  
    Investment securities held to maturity   36,750     36,750     36,750  
    Marketable equity securities, at fair value   8,669     8,719     13,467  
    Investment in Federal Home Loan Bank stock   5,342     5,331     3,236  
    Loans held for sale   159,603     59,957     43,818  
           
    Portfolio loans   2,124,330     2,129,263     1,811,135  
    Allowance for credit losses, loans   (20,922 )   (22,020 )   (17,533 )
    Net portfolio loans   2,103,408     2,107,243     1,793,602  
    Purchased receivables, net   95,489     74,078     37,698  
    Mortgage servicing rights, at fair value   26,814     26,439     20,055  
    Other real estate owned, net   —     —     —  
    Premises and equipment, net   37,070     37,757     40,836  
    Lease right of use asset   7,632     7,455     8,867  
    Goodwill and intangible assets   50,824     50,968     15,967  
    Other assets   80,740     85,819     72,421  
    Total assets $ 3,140,960   $ 3,041,869   $ 2,759,560  
           
    Liabilities:      
    Demand deposits $ 742,560   $ 706,225   $ 714,244  
    Interest-bearing demand   1,187,465     1,108,404     889,581  
    Savings deposits   256,650     250,900     246,902  
    Money market deposits   193,842     196,290     209,785  
    Time deposits   397,460     418,370     373,571  
    Total deposits   2,777,977     2,680,189     2,434,083  
    Other borrowings   13,136     23,045     13,569  
    Junior subordinated debentures   10,310     10,310     10,310  
    Lease liability   7,682     7,487     8,884  
    Other liabilities   52,099     53,722     53,387  
    Total liabilities   2,861,204     2,774,753     2,520,233  
           
    Shareholders’ Equity:      
    Total shareholders’ equity   279,756     267,116     239,327  
    Total liabilities and shareholders’ equity $ 3,140,960   $ 3,041,869   $ 2,759,560  
           

    Additional Financial Information
    (Dollars in thousands)
    (Unaudited)

    Composition of Portfolio Loans                        
      March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
      Balance % of total   Balance % of total   Balance % of total   Balance % of total   Balance % of total
    Commercial loans $ 573,593   27 %   $ 518,148   24 %   $ 492,414   24 %   $ 495,781   26 %   $ 475,220   26 %
    Commercial real estate:                            
    Owner occupied properties   430,442   20 %     420,060   20 %     412,827   20 %     383,832   20 %     372,507   20 %
    Nonowner occupied and multifamily properties   690,277   32 %     619,431   29 %     584,302   31 %     551,130   30 %     529,904   30 %
    Residential real estate:                            
    1-4 family properties secured by first liens   188,219   9 %     270,535   13 %     248,514   12 %     222,026   12 %     218,552   12 %
    1-4 family properties secured by junior liens & revolving secured by first liens   53,836   3 %     48,857   2 %     45,262   2 %     41,258   2 %     35,460   2 %
    1-4 family construction   34,017   2 %     39,789   2 %     39,794   2 %     29,510   2 %     27,751   2 %
    Construction loans   156,211   7 %     214,068   10 %     185,362   9 %     154,009   8 %     153,537   8 %
    Consumer loans   7,424   — %     7,562   — %     7,836   — %     6,679   — %     6,444   — %
    Subtotal   2,134,019         2,138,450         2,016,311         1,884,225         1,819,375    
    Unearned loan fees, net   (9,689 )       (9,187 )       (8,746 )       (8,318 )       (8,240 )  
    Total portfolio loans $ 2,124,330       $ 2,129,263       $ 2,007,565       $ 1,875,907       $ 1,811,135    
                                 
    Composition of Deposits                        
      March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
      Balance % of total   Balance % of total   Balance % of total   Balance % of total   Balance % of total
    Demand deposits $ 742,560   27 %   $ 706,225   27 %   $ 763,595   29 %   $ 704,471   29 %   $ 714,244   29 %
    Interest-bearing demand   1,187,465   43 %     1,108,404   41 %     979,238   37 %     906,010   36 %     889,581   37 %
    Savings deposits   256,650   9 %     250,900   9 %     245,043   9 %     238,156   10 %     246,902   10 %
    Money market deposits   193,842   7 %     196,290   7 %     204,821   8 %     195,159   8 %     209,785   9 %
    Time deposits   397,460   14 %     418,370   16 %     435,870   17 %     420,010   17 %     373,571   15 %
    Total deposits $ 2,777,977       $ 2,680,189       $ 2,628,567       $ 2,463,806       $ 2,434,083    
                                                     

    Additional Financial Information
    (Dollars in thousands)
    (Unaudited)

    Asset Quality March 31,   December 31,   March 31,
        2025       2024       2024  
    Nonaccrual loans – Community Banking $ 4,274     $ 4,337     $ 4,472  
    Nonaccrual loans – Home Mortgage Lending   221       233       263  
    Nonaccrual loans – Specialty Finance   3,573       2,946       525  
    Nonaccrual loans – Total   8,068       7,516       5,260  
    Loans 90 days past due and accruing – Community Banking   —       17       —  
    Loans 90 days past due and accruing – Total   —       17       —  
    Total nonperforming loans – Community Banking   4,274       4,354       4,472  
    Total nonperforming loans – Home Mortgage Lending   221       233       263  
    Total nonperforming loans – Specialty Finance   3,573       2,946       525  
    Total nonperforming loans – Total   8,068       7,533       5,260  
    Nonperforming loans guaranteed by gov’t – Community Banking   80       —       —  
    Nonperforming loans guaranteed by gov’t – Total   80       —       —  
    Net nonperforming loans – Community Banking   4,194       4,354       4,472  
    Net nonperforming loans – Home Mortgage Lending   221       233       263  
    Net nonperforming loans – Specialty Finance   3,573       2,946       525  
    Net nonperforming loans – Total   7,988       7,533       5,260  
                 
    Repossessed assets – Community Banking   297       297       —  
    Repossessed assets – Total   297       297       —  
                 
    Nonperforming purchased receivables – Specialty Finance   4,007       3,768       183  
                 
    Net nonperforming assets – Community Banking   4,491       4,651       4,472  
    Net nonperforming assets – Home Mortgage Lending   221       233       263  
    Net nonperforming assets – Specialty Finance   7,580       6,714       708  
    Net nonperforming assets – Total $ 12,292     $ 11,598     $ 5,443  
                 
    Adversely classified loans, net of gov’t guarantees – Community Banking $ 16,592     $ 6,332     $ 6,374  
    Adversely classified loans, net of gov’t guarantees – Home Mortgage Lending   252       358       307  
    Adversely classified loans, net of gov’t guarantees – Specialty Finance   3,573       2,946       525  
    Adversely classified loans, net of gov’t guarantees – Total $ 20,417     $ 9,636     $ 7,206  
                 
    Special mention loans, net of gov’t guarantees – Community Banking $ 14,496     $ 19,769     $ 9,976  
    Special mention loans, net of gov’t guarantees – Home Mortgage Lending   637       —       —  
    Special mention loans, net of gov’t guarantees – Total $ 15,133     $ 19,769     $ 9,976  
                           
    Asset Quality, Continued March 31, December 31, March 31,
        2025     2024     2024  
    Nonperforming loans, net of government guarantees / portfolio loans   0.38 %   0.35 %   0.29 %
    Nonperforming loans, net of government guarantees / portfolio loans, net of government guarantees   0.40 %   0.38 %   0.31 %
    Nonperforming assets, net of government guarantees / total assets   0.39 %   0.38 %   0.20 %
    Nonperforming assets, net of government guarantees / total assets net of government guarantees   0.41 %   0.40 %   0.20 %
                 
    Loans 30-89 days past due and accruing, net of government guarantees / portfolio loans   0.04 %   0.11 %   0.03 %
    Loans 30-89 days past due and accruing, net of government guarantees / portfolio loans, net of government guarantees   0.04 %   0.11 %   0.04 %
                 
    Allowance for credit losses for loans / portfolio loans   0.98 %   1.03 %   0.97 %
    Allowance for credit losses for loans / portfolio loans, net of gov’t guarantees   1.06 %   1.10 %   1.03 %
    Allowance for credit losses for loans / nonperforming loans, net of government guarantees   262 %   292 %   333 %
                 
    Gross loan charge-offs for the quarter – Community Banking $ 50   $ 44   $ 25  
    Gross loan charge-offs for the quarter – Specialty Finance   —     105     —  
    Gross loan charge-offs for the quarter – Total   50     149     25  
                 
    Gross loan recoveries for the quarter – Community Banking   (84 )   (200 )   (67 )
    Gross loan recoveries for the quarter – Home Mortgage Lending   —     —     —  
    Gross loan recoveries for the quarter – Specialty Finance   —     —     —  
    Gross loan recoveries for the quarter – Total $ (84 ) $ (200 ) $ (67 )
                 
    Net loan (recoveries) charge-offs for the quarter – Community Banking $ (34 ) $ (156 ) $ (42 )
    Net loan (recoveries) charge-offs for the quarter – Specialty Finance   —     (105 )   —  
    Net loan (recoveries) charge-offs for the quarter – Total $ (34 ) $ (51 ) $ (42 )
                 
    Net loan charge-offs (recoveries) for the quarter / average loans, for the quarter   — %   — %   — %
                 
    Allowance for credit losses for purchased receivables / purchased receivables   3.72 %   4.69 %   — %
                 
    Net purchased receivable charge-offs (recoveries) for the quarter $ —   $ —   $ —  
                 

    Additional Financial Information
    (Dollars in thousands)
    (Unaudited)

    Average Balances, Yields, and Rates                
      Three Months Ended
      March 31, 2025   December 31, 2024   March 31, 2024
        Average     Average     Average
      Average Tax Equivalent   Average Tax Equivalent   Average Tax Equivalent
      Balance Yield/Rate   Balance Yield/Rate   Balance Yield/Rate
    Assets                
    Interest bearing deposits in other banks $ 37,969   4.44 %   $ 72,212   4.72 %   $ 61,561   5.38 %
    Portfolio investments   523,753   2.97 %     565,785   2.84 %     670,937   2.82 %
    Loans held for sale   46,223   5.86 %     83,304   5.97 %     32,635   6.13 %
    Portfolio loans   2,173,425   6.89 %     2,066,216   6.93 %     1,793,425   6.75 %
    Total interest-earning assets   2,781,370   6.10 %     2,787,517   6.02 %     2,558,558   5.69 %
    Nonearning assets   293,415         251,364         201,137    
    Total assets $ 3,074,785       $ 3,038,881       $ 2,759,695    
                     
    Liabilities and Shareholders’ Equity                
    Interest-bearing deposits $ 2,002,594   2.01 %   $ 1,954,495   2.15 %   $ 1,731,923   2.13 %
    Borrowings   37,081   3.55 %     29,251   3.95 %     23,944   2.95 %
    Total interest-bearing liabilities   2,039,675   2.04 %     1,983,746   2.18 %     1,755,867   2.14 %
                     
    Noninterest-bearing demand deposits   697,534         738,911         705,134    
    Other liabilities   63,348         49,815         60,407    
    Shareholders’ equity   274,228         266,409         238,287    
    Total liabilities and shareholders’ equity $ 3,074,785       $ 3,038,881       $ 2,759,695    
    Net spread   4.06 %     3.84 %     3.55 %
    NIM   4.55 %     4.41 %     4.16 %
    NIMTE*   4.61 %     4.47 %     4.22 %
    Cost of funds   1.52 %     1.59 %     1.53 %
    Average portfolio loans to average interest-earning assets   78.14 %       74.12 %       70.10 %  
    Average portfolio loans to average total deposits   80.49 %       76.71 %       73.59 %  
    Average non-interest deposits to average total deposits   25.83 %       27.43 %       28.93 %  
    Average interest-earning assets to average interest-bearing liabilities   136.36 %       140.52 %       145.71 %  
                                 

    Additional Financial Information
    (Dollars in thousands, except per share data)
    (Unaudited)

    Capital Data (At quarter end)          
      March 31, 2025   December 31, 2024   March 31, 2024
    Book value per share $ 50.67     $ 48.41     $ 43.52  
    Tangible book value per share* $ 41.47     $ 39.17     $ 40.61  
    Total shareholders’ equity/total assets   8.91 %     8.78 %     8.67 %
    Tangible Common Equity/Tangible Assets*   7.41 %     7.23 %     8.14 %
    Tier 1 Capital / Risk Adjusted Assets   9.76 %     9.76 %     11.55 %
    Total Capital / Risk Adjusted Assets   10.62 %     10.94 %     12.47 %
    Tier 1 Capital / Average Assets   8.02 %     7.68 %     9.01 %
    Shares outstanding   5,520,892       5,518,210       5,499,578  
    Total unrealized loss on AFS debt securities, net of income taxes $ (5,452 )   $ (8,295 )   $ (17,205 )
    Total unrealized gain on derivatives and hedging activities, net of income taxes $ 1,097     $ 1,272     $ 1,172  
                           
    Profitability Ratios                            
      March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
    For the quarter:                            
    NIM 4.55 %   4.41 %   4.29 %   4.24 %   4.16 %
    NIMTE* 4.61 %   4.47 %   4.35 %   4.30 %   4.22 %
    Efficiency ratio 64.47 %   66.96 %   66.11 %   68.78 %   68.93 %
    Return on average assets 1.76 %   1.43 %   1.22 %   1.31 %   1.19 %
    Return on average equity 19.70 %   16.32 %   13.69 %   14.84 %   13.84 %

    *Non-GAAP Financial Measures
    (Dollars and shares in thousands, except per share data)
    (Unaudited)

    Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied, and are not audited. Although we believe these non-GAAP financial measures are frequently used by stakeholders in the evaluation of the Company, they have limitations as analytical tools and should not be considered in isolation or as a substitute for analysis of results as reported under GAAP.

    Net interest margin on a tax equivalent basis

    Net interest margin on a tax equivalent basis (“NIMTE”) is a non-GAAP performance measurement in which interest income on non-taxable investments and loans is presented on a tax equivalent basis using a combined federal and state statutory rate of 28.43% in both 2025 and 2024. The most comparable GAAP measure is net interest margin and the following table sets forth the reconciliation of NIMTE to net interest margin for the periods indicated.

      Three Months Ended
      March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
    Net interest income $ 31,297     $ 30,841     $ 28,842     $ 27,053     $ 26,447  
    Divided by average interest-bearing assets   2,781,370       2,787,517       2,674,291       2,568,266       2,558,558  
    Net interest margin (“NIM”)2   4.55 %     4.41 %     4.29 %     4.24 %     4.16 %
                       
    Net interest income $ 31,297     $ 30,841     $ 28,842     $ 27,053     $ 26,447  
    Plus: reduction in tax expense related to tax-exempt interest income   379       379       385       378       379  
      $ 31,676     $ 31,220     $ 29,227     $ 27,431     $ 26,826  
    Divided by average interest-bearing assets   2,781,370       2,787,517       2,674,291       2,568,266       2,558,558  
    NIMTE2   4.61 %     4.47 %     4.35 %     4.30 %     4.22 %
                                           

    2Calculated using actual days in the quarter divided by 365 for the quarters ended in 2025 and 366 for the quarters ended in 2024, respectively.

    *Non-GAAP Financial Measures
    (Dollars and shares in thousands, except per share data)
    (Unaudited)

    Tangible Book Value Per Share

    Tangible book value per share is a non-GAAP measure defined as shareholders’ equity, less intangible assets, divided by shares outstanding. The most comparable GAAP measure is book value per share and the following table sets forth the reconciliation of tangible book value per share and book value per share for the periods indicated.

      March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
                       
    Total shareholders’ equity $ 279,756     $ 267,116     $ 260,050     $ 247,200     $ 239,327  
    Divided by shares outstanding   5,521       5,518       5,502       5,502       5,500  
    Book value per share $ 50.68     $ 48.41     $ 47.26     $ 44.93     $ 43.52  
                                           
      March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
                       
    Total shareholders’ equity $ 279,756     $ 267,116     $ 260,050     $ 247,200     $ 239,327  
    Less: goodwill and intangible assets   50,824       50,968       15,967       15,967       15,967  
      $ 228,932     $ 216,148     $ 244,083     $ 231,233     $ 223,360  
    Divided by shares outstanding   5,521       5,518       5,502       5,502       5,500  
    Tangible book value per share $ 41.47     $ 39.17     $ 44.36     $ 42.03     $ 40.61  
                                           

    Tangible Common Equity to Tangible Assets

    Tangible common equity to tangible assets is a non-GAAP ratio that represents total equity less goodwill and intangible assets divided by total assets less goodwill and intangible assets. The most comparable GAAP measure of shareholders’ equity to total assets is calculated by dividing total shareholders’ equity by total assets and the following table sets forth the reconciliation of tangible common equity to tangible assets and shareholders’ equity to total assets for the periods indicated.

    Northrim BanCorp, Inc. March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
                       
    Total shareholders’ equity $ 279,756     $ 267,116     $ 260,050     $ 247,200     $ 239,327  
    Total assets   3,140,960       3,041,869       2,963,392       2,821,668       2,759,560  
    Total shareholders’ equity to total assets   8.91 %     8.78 %     8.78 %     8.76 %     8.67 %
    Northrim BanCorp, Inc. March 31, 2025   December 31, 2024   September 30, 2024   June 30, 2024   March 31, 2024
    Total shareholders’ equity $ 279,756     $ 267,116     $ 260,050     $ 247,200     $ 239,327  
    Less: goodwill and other intangible assets, net   50,824       50,968       15,967       15,967       15,967  
    Tangible common shareholders’ equity $ 228,932     $ 216,148     $ 244,083     $ 231,233     $ 223,360  
                       
    Total assets $ 3,140,960     $ 3,041,869     $ 2,963,392     $ 2,821,668     $ 2,759,560  
    Less: goodwill and other intangible assets, net   50,824       50,968       15,967       15,967       15,967  
    Tangible assets $ 3,090,136     $ 2,990,901     $ 2,947,425     $ 2,805,701     $ 2,743,593  
    Tangible common equity ratio   7.41 %     7.23 %     8.28 %     8.24 %     8.14 %
                                           
    Contact:     Mike Huston, President, CEO, and COO
    (907) 261-8750
    Jed Ballard, Chief Financial Officer
    (907) 261-3539
         

    Note Transmitted on GlobeNewswire on April 23, 2025, at 12:15 pm Alaska Standard Time.

    The MIL Network –

    April 24, 2025
  • MIL-OSI: Univest Financial Corporation Reports First Quarter Results

    Source: GlobeNewswire (MIL-OSI)

    SOUDERTON, Pa., April 23, 2025 (GLOBE NEWSWIRE) — Univest Financial Corporation (“Univest” or the “Corporation”) (NASDAQ: UVSP), parent company of Univest Bank and Trust Co. (the “Bank”) and its insurance, investments and equipment financing subsidiaries, announced net income for the quarter ended March 31, 2025 of $22.4 million, or $0.77 diluted earnings per share, compared to net income of $20.3 million, or $0.69 diluted earnings per share, for the quarter ended March 31, 2024.

    Dividend
    On April 23, 2025, Univest declared a quarterly cash dividend of $0.22 per share to be paid on May 21, 2025 to shareholders of record as of May 7, 2025, which represents an increase of $0.01 per share, or 4.8%. Univest had last increased its dividend by $0.01 per share in May 2022.

    One-Time Items
    The financial results for the quarter included tax-free bank owned life insurance (“BOLI”) death benefits claims of $1.0 million, which represented $0.04 diluted earnings per share.

    Loans
    Gross loans and leases increased $6.5 million, or 0.1% (0.4% annualized), from December 31, 2024. Gross loans and leases increased $254.0 million, or 3.9%, from March 31, 2024, primarily due to increases in commercial, commercial real estate, residential mortgage loans and home equity loans, partially offset by decreases in construction loans and lease financings.

    Deposits, Borrowings and Liquidity
    Total deposits decreased $100.8 million, or 1.5% (6.0% annualized), from December 31, 2024, primarily due to seasonal declines in public funds deposits and decreases in commercial and consumer deposits, partially offset by an increase in brokered deposits. Total deposits increased $253.1 million, or 4.0%, from March 31, 2024, due to increases in consumer, commercial, and public funds deposits, partially offset by a decrease in brokered deposits. Noninterest-bearing deposits totaled $1.4 billion and represented 21.5% of total deposits at March 31, 2025, compared to $1.4 billion representing 20.9% of total deposits at December 31, 2024. Unprotected deposits, which excludes insured, internal, and collateralized deposit accounts, totaled $1.5 billion at March 31, 2025 and December 31, 2024. This represented 21.9% of total deposits at March 31, 2025, compared to 22.0% at December 31, 2024.

    Total borrowings decreased $57.0 million, or 14.8%, from December 31, 2024, primarily due to maturities of long-term FHLB advances totaling $50.0 million. These borrowings were replaced with brokered deposits during the quarter.

    As of March 31, 2025, the Corporation and its subsidiaries reported cash and cash equivalents totaling $169.1 million and had committed borrowing capacity of $3.7 billion, of which $2.3 billion was available. The Corporation and its subsidiaries also maintained uncommitted funding sources from correspondent banks of $468.0 million at March 31, 2025. Future availability under these uncommitted funding sources is subject to the prerogatives of the granting banks and may be withdrawn at will.

    Net Interest Income and Margin
    Net interest income of $56.8 million for the first quarter of 2025 increased $5.3 million, or 10.3%, from the first quarter of 2024 and $1.3 million, or 2.4%, from the fourth quarter of 2024. The increase in net interest income for the first quarter of 2025 compared to the first quarter of 2024 was driven by higher average balances of loans and increased yields on interest earning assets, as well as a reduction in our overall cost of funds. The increase in net interest income for the first quarter of 2025 compared to the fourth quarter of 2024 was primarily driven by lower average balances of interest-bearing liabilities and related costs outpacing decreases in income from interest-earning deposits with other banks.

    Net interest margin, on a tax-equivalent basis, was 3.09% for the first quarter of 2025, compared to 2.88% for the first and fourth quarters of 2024. Excess liquidity reduced net interest margin by approximately three basis points for the quarter ended March 31, 2025 compared to approximately 14 basis points for the quarter ended December 31, 2024 and approximately three basis points for the quarter ended March 31, 2024. Excluding the impact of excess liquidity, the net interest margin, on a tax-equivalent basis, would have been 3.12% for the quarter ended March 31, 2025 compared to 3.02% for the quarter ended December 31, 2024 and 2.91% for the quarter ended March 31, 2024.

    Noninterest Income
    Noninterest income for the quarter ended March 31, 2025 was $22.4 million, a decrease of $3.2 million, or 12.4%, from the comparable period in the prior year.

    Other service fee income decreased $3.7 million, or 57.8%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to a $3.4 million net gain from the sale of mortgage servicing rights associated with $591.1 million of serviced loans in the first quarter of 2024. Additionally, net servicing fees on sold mortgage loans decreased by $177 thousand, primarily attributable to the previously mentioned sale of mortgage servicing rights.

    Other income decreased $780 thousand, or 76.1%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to decreases in other real estate owned income, fees on risk participation agreements for interest rate swaps and gains on sale of Small Business Administration loans.

    Net gain on mortgage banking activities decreased $292 thousand, or 31.1%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to decreased salable volume.

    Insurance commission and fee income decreased $312 thousand, or 4.3%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to a decrease in contingent income of $700 thousand, which was $1.6 million and $2.3 million, for the three months ended March 31, 2025 and 2024, respectively. Contingent income is largely recognized in the first quarter of the year. The decrease was partially offset by an increase of $404 thousand in revenue for commercial lines.

    BOLI income increased $1.1 million, or 132.7%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to the previously discussed death benefits claims.

    Investment advisory commission and fee income increased $419 thousand, or 8.1%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to new customer relationships and appreciation of assets under management and supervision.

    Service charges on deposit accounts increased $323 thousand, or 17.3%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to an increase in treasury management income.

    Noninterest Expense
    Noninterest expense for the quarter ended March 31, 2025 was $49.3 million, a decrease of $746 thousand, or 1.5%, from the comparable period in the prior year.

    Salaries, benefits and commissions decreased $512 thousand, or 1.6%, for the quarter ended March 31, 2025 compared to the comparable period in the prior year, primarily due to an increase in compensation capitalized and a decrease in medical claims expense, partially offset by an increase in incentive compensation due to increased profitability.

    Tax Provision
    The effective income tax rate was 18.7% and 20.5% for the quarters ended March 31, 2025 and March 31, 2024, respectively. The discrete tax effect of vested equity compensation awards favorably impacted the first quarter of 2025 by 71 basis points and unfavorably impacted the first quarter of 2024 by 74 basis points. Additionally, the effective tax rate for the three months ended March 31, 2025 was favorably impacted by 76 basis points from the proceeds of BOLI death benefits. Excluding the discrete impact of vested equity compensation awards and BOLI death benefits, the effective tax rate was 20.2% for the three months ended March 31, 2025 compared to 19.8% for the three months ended March 31, 2024.

    Asset Quality and Provision for Credit Losses
    Nonperforming assets totaled $34.0 million at March 31, 2025, $33.2 million at December 31, 2024, and $40.0 million at March 31, 2024.

    Net loan and lease charge-offs were $1.7 million for the three months ended March 31, 2025 compared to $767 thousand and $1.4 million for the three months ended December 31, 2024 and March 31, 2024, respectively.

    The provision for credit losses was $2.3 million for the three months ended March 31, 2025 compared to $2.4 million and $1.4 million for the three months ended December 31, 2024 and March 31, 2024, respectively. The allowance for credit losses on loans and leases as a percentage of loans and leases held for investment was 1.28% at March 31, 2025 and December 31, 2024, and 1.30% at March 31, 2024.

    Share Repurchases
    During the quarter ended March 31, 2025, the Corporation repurchased 221,760 shares of common stock at an average price of $29.22 per share. Including brokerage fees and excise tax, the average price per share was $29.54. As of March 31, 2025, 1,178,394 shares are available for repurchase under the Share Repurchase Plan.

    Conference Call
    Univest will host a conference call to discuss first quarter 2025 results on Thursday, April 24, 2025 at 9:00 a.m. EST. Participants may preregister at https://www.netroadshow.com/events/login?show=175e015e&confId=80607. The general public can access the call by dialing 1-833-470-1428; using Access Code 021974. A replay of the conference call will be available through May 1, 2025 by dialing 1-866-813-9403; using Access Code 718470.

    About Univest Financial Corporation
    Univest Financial Corporation (UVSP), including its wholly-owned subsidiary Univest Bank and Trust Co., Member FDIC, has approximately $8.0 billion in assets and $5.2 billion in assets under management and supervision through its Wealth Management lines of business at March 31, 2025. Headquartered in Souderton, Pa. and founded in 1876, the Corporation and its subsidiaries provide a full range of financial solutions for individuals, businesses, municipalities and nonprofit organizations primarily in the Mid-Atlantic Region. Univest delivers these services through a network of more than 50 offices and online at www.univest.net.  

    This press release and the reports Univest files with the Securities and Exchange Commission often contain “forward-looking statements” relating to trends or factors affecting the financial services industry and, specifically, the financial condition and results of operations, business, prospects and strategies of Univest. These forward-looking statements involve certain risks and uncertainties in that there are a number of important factors that could cause Univest’s future financial condition, results of operations, business, prospects or strategies to differ materially from those expressed or implied by the forward-looking statements. These factors include, but are not limited to: (1) competition and demand for financial services in our market area; (2) inflation and/or changes in interest rates, which may adversely impact our margins and yields, reduce the fair value of our financial instruments, reduce our loan originations and/or lead to higher operating costs and higher costs we pay to retain and attract deposits; (3) changes in asset quality, prepayment speeds, loan sale volumes, charge-offs and/or credit loss provisions; (4) fluctuations in real estate values and both residential and commercial real estate market conditions; (5) changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio; (6) our ability to access cost-effective funding; (7) changes in economic conditions nationally and in our market, including potential recessionary conditions and the levels of unemployment in our market area; (8) changes in the economic assumptions or methodology used to calculate our allowance for credit losses; (9) legislative, regulatory, accounting or tax changes; (10) monetary and fiscal policies of the U.S. government, including the policies of the Board of Governors of the Federal Reserve System; (11) the imposition of tariffs or other domestic or international governmental policies; (12) the failure to maintain current technologies and to successfully implement future information technology enhancements; (13) technological issues that may adversely affect our operations or those of our customers; (14) a failure or breach in our operational or security systems or infrastructure, including cyberattacks; (15) changes in the securities markets; (16) the current or anticipated impact of military conflict, terrorism or other geopolitical events; (17) our ability to enter into new markets successfully and capitalize on growth opportunities and/or (18) risk factors mentioned in the reports and registration statements Univest files with the Securities and Exchange Commission.

     

    (UVSP – ER)

     
    Univest Financial Corporation
    Consolidated Selected Financial Data (Unaudited)
    March 31, 2025
    (Dollars in thousands)                  
                       
    Balance Sheet (Period End) 03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
    ASSETS                  
    Cash and due from banks $ 73,319     $ 75,998     $ 78,346     $ 66,808     $ 49,318  
    Interest-earning deposits with other banks   95,815       252,846       426,354       124,103       152,288  
    Cash and cash equivalents   169,134       328,844       504,700       190,911       201,606  
    Investment securities held-to-maturity   130,889       134,111       137,681       140,112       143,474  
    Investment securities available for sale, net of allowance for credit losses   364,503       357,361       354,100       342,776       350,819  
    Investments in equity securities   1,667       2,506       2,406       2,995       3,355  
    Federal Home Loan Bank, Federal Reserve Bank and other stock, at cost   35,732       38,980       40,235       37,438       37,394  
    Loans held for sale   13,150       16,653       17,131       28,176       13,188  
    Loans and leases held for investment   6,833,037       6,826,583       6,730,734       6,684,837       6,579,086  
    Less: Allowance for credit losses, loans and leases   (87,790 )     (87,091 )     (86,041 )     (85,745 )     (85,632 )
    Net loans and leases held for investment   6,745,247       6,739,492       6,644,693       6,599,092       6,493,454  
    Premises and equipment, net   47,175       46,671       47,411       48,174       48,739  
    Operating lease right-of-use assets   27,182       28,531       29,260       29,985       30,702  
    Goodwill   175,510       175,510       175,510       175,510       175,510  
    Other intangibles, net of accumulated amortization   8,061       8,309       7,158       7,701       7,473  
    Bank owned life insurance   139,482       139,351       138,744       137,823       137,896  
    Accrued interest and other assets   117,435       112,098       106,708       114,753       102,958  
    Total assets $ 7,975,167     $ 8,128,417     $ 8,205,737     $ 7,855,446     $ 7,746,568  
                       
    LIABILITIES                  
    Noninterest-bearing deposits $ 1,433,995     $ 1,414,635     $ 1,323,953     $ 1,397,308     $ 1,401,806  
    Interest-bearing deposits:   5,224,503       5,344,624       5,530,195       5,098,014       5,003,552  
    Total deposits   6,658,498       6,759,259       6,854,148       6,495,322       6,405,358  
    Short-term borrowings   4,031       11,181       8,256       11,781       4,816  
    Long-term debt   175,000       225,000       225,000       250,000       250,000  
    Subordinated notes   149,386       149,261       149,136       149,011       148,886  
    Operating lease liabilities   30,062       31,485       32,246       33,015       33,744  
    Accrued expenses and other liabilities   54,718       64,930       59,880       62,180       60,095  
    Total liabilities   7,071,695       7,241,116       7,328,666       7,001,309       6,902,899  
                       
    SHAREHOLDERS’ EQUITY                  
    Common stock, $5 par value: 48,000,000 shares authorized and 31,556,799 shares issued   157,784       157,784       157,784       157,784       157,784  
    Additional paid-in capital   300,634       302,829       301,262       300,166       298,914  
    Retained earnings   541,776       525,780       512,938       500,482       488,790  
    Accumulated other comprehensive loss, net of tax benefit   (37,922 )     (43,992 )     (41,623 )     (54,124 )     (54,740 )
    Treasury stock, at cost   (58,800 )     (55,100 )     (53,290 )     (50,171 )     (47,079 )
    Total shareholders’ equity   903,472       887,301       877,071       854,137       843,669  
    Total liabilities and shareholders’ equity $ 7,975,167     $ 8,128,417     $ 8,205,737     $ 7,855,446     $ 7,746,568  
                       
                       
      For the three months ended,
    Balance Sheet (Average) 03/31/25   12/31/24   06/30/24   03/31/24   12/31/23
    Assets $ 7,981,043     $ 8,163,347     $ 8,005,265     $ 7,721,540     $ 7,696,575  
    Investment securities, net of allowance for credit losses   500,078       500,748       493,334       493,140       500,983  
    Loans and leases, gross   6,856,503       6,758,649       6,730,791       6,640,536       6,577,365  
    Deposits   6,617,653       6,804,483       6,641,324       6,353,752       6,303,854  
    Shareholders’ equity   896,811       880,237       864,406       844,572       842,546  
                                           
    Univest Financial Corporation
    Consolidated Summary of Loans by Type and Asset Quality Data (Unaudited)
    March 31, 2025
    (Dollars in thousands)                  
                       
    Summary of Major Loan and Lease Categories (Period End) 03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
    Commercial, financial and agricultural $ 1,034,361     $ 1,037,835     $ 1,044,043     $ 1,055,332     $ 1,014,568  
    Real estate-commercial   3,546,402       3,530,451       3,442,083       3,373,889       3,283,729  
    Real estate-construction   281,785       274,483       285,616       313,229       379,995  
    Real estate-residential secured for business purpose   536,082       536,095       530,674       532,628       524,196  
    Real estate-residential secured for personal purpose   992,767       994,972       969,562       952,665       922,412  
    Real estate-home equity secured for personal purpose   189,119       186,836       182,901       179,150       177,446  
    Loans to individuals   16,930       21,250       26,794       26,430       27,200  
    Lease financings   235,591       244,661       249,061       251,514       249,540  
    Total loans and leases held for investment, net of deferred income   6,833,037       6,826,583       6,730,734       6,684,837       6,579,086  
    Less: Allowance for credit losses, loans and leases   (87,790 )     (87,091 )     (86,041 )     (85,745 )     (85,632 )
    Net loans and leases held for investment $ 6,745,247     $ 6,739,492     $ 6,644,693     $ 6,599,092     $ 6,493,454  
                       
                       
    Asset Quality Data (Period End) 03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
    Nonaccrual loans and leases, including nonaccrual loans held for sale $ 11,126     $ 12,667     $ 15,319     $ 16,200     $ 20,363  
    Accruing loans and leases 90 days or more past due   322       321       310       205       268  
    Total nonperforming loans and leases   11,448       12,988       15,629       16,405       20,631  
    Other real estate owned   22,433       20,141       20,915       20,007       19,220  
    Repossessed assets   79       76       79       149       167  
    Total nonperforming assets $ 33,960     $ 33,205     $ 36,623     $ 36,561     $ 40,018  
    Nonaccrual loans and leases / Loans and leases held for investment   0.16 %     0.19 %     0.23 %     0.24 %     0.31 %
    Nonperforming loans and leases / Loans and leases held for investment   0.17 %     0.19 %     0.23 %     0.25 %     0.31 %
    Nonperforming assets / Total assets   0.43 %     0.41 %     0.45 %     0.47 %     0.52 %
                       
    Allowance for credit losses, loans and leases $ 87,790     $ 87,091     $ 86,041     $ 85,745     $ 85,632  
    Allowance for credit losses, loans and leases / Loans and leases held for investment   1.28 %     1.28 %     1.28 %     1.28 %     1.30 %
    Allowance for credit losses, loans and leases / Nonaccrual loans and leases   789.05 %     687.54 %     561.66 %     529.29 %     420.53 %
    Allowance for credit losses, loans and leases / Nonperforming loans and leases   766.86 %     670.55 %     550.52 %     522.68 %     415.06 %
                       
                       
      For the three months ended,
      03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
    Net loan and lease charge-offs $ 1,686     $ 767     $ 820     $ 809     $ 1,406  
    Net loan and lease charge-offs (annualized)/Average loans and leases   0.10 %     0.05 %     0.05 %     0.05 %     0.09 %
                       
    Univest Financial Corporation
    Consolidated Selected Financial Data (Unaudited)
    March 31, 2025
    (Dollars in thousands, except per share data)                  
      For the three months ended,
    For the period: 03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
    Interest income $ 103,416   $ 107,476   $ 106,438   $ 99,832   $ 98,609
    Interest expense   46,635     52,004     53,234     48,805     47,142
    Net interest income   56,781     55,472     53,204     51,027     51,467
    Provision for credit losses   2,311     2,380     1,414     707     1,432
    Net interest income after provision for credit losses   54,470     53,092     51,790     50,320     50,035
    Noninterest income:                  
    Trust fee income   2,161     2,265     2,110     2,008     2,108
    Service charges on deposit accounts   2,194     2,192     2,037     1,982     1,871
    Investment advisory commission and fee income   5,613     5,457     5,319     5,238     5,194
    Insurance commission and fee income   6,889     4,743     5,238     5,167     7,201
    Other service fee income   2,707     3,473     1,815     3,044     6,415
    Bank owned life insurance income   1,959     1,012     921     1,086     842
    Net gain on sales of investment securities   –     –     18     –     –
    Net gain on mortgage banking activities   647     1,320     1,296     1,710     939
    Other income   245     868     1,396     745     1,025
    Total noninterest income   22,415     21,330     20,150     20,980     25,595
    Noninterest expense:                  
    Salaries, benefits and commissions   30,826     31,518     30,702     30,187     31,338
    Net occupancy   2,853     2,751     2,723     2,679     2,872
    Equipment   1,122     1,147     1,107     1,088     1,111
    Data processing   4,364     4,146     4,154     4,161     4,495
    Professional fees   1,797     1,669     1,579     1,466     1,688
    Marketing and advertising   353     552     490     715     416
    Deposit insurance premiums   1,151     1,102     1,097     1,098     1,135
    Intangible expenses   130     155     164     188     187
    Other expense   6,732     7,618     6,536     7,126     6,832
    Total noninterest expense   49,328     50,658     48,552     48,708     50,074
    Income before taxes   27,557     23,764     23,388     22,592     25,556
    Income tax expense   5,162     4,823     4,810     4,485     5,251
    Net income $ 22,395   $ 18,941   $ 18,578   $ 18,107   $ 20,305
    Net income per share:                  
    Basic $ 0.77   $ 0.65   $ 0.64   $ 0.62   $ 0.69
    Diluted $ 0.77   $ 0.65   $ 0.63   $ 0.62   $ 0.69
    Dividends declared per share $ 0.21   $ 0.21   $ 0.21   $ 0.21   $ 0.21
    Weighted average shares outstanding   29,000,567     29,070,039     29,132,948     29,246,977     29,413,999
    Period end shares outstanding   28,962,648     29,045,877     29,081,108     29,190,640     29,337,919
                       
    Univest Financial Corporation
    Consolidated Selected Financial Data (Unaudited)
    March 31, 2025
                       
                       
                       
      For the three months ended,
    Profitability Ratios (annualized) 03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
                       
    Return on average assets   1.14 %     0.92 %     0.92 %     0.94 %     1.06 %
    Return on average shareholders’ equity   10.13 %     8.56 %     8.55 %     8.62 %     9.69 %
    Return on average tangible common equity (1)(3)   12.69 %     10.79 %     10.84 %     11.01 %     12.38 %
    Net interest margin (FTE)   3.09 %     2.88 %     2.82 %     2.84 %     2.88 %
    Efficiency ratio (2)   61.6 %     65.5 %     65.7 %     67.1 %     64.6 %
                       
    Capitalization Ratios                  
                       
    Dividends declared to net income   27.2 %     32.2 %     33.0 %     33.9 %     30.5 %
    Shareholders’ equity to assets (Period End)   11.33 %     10.92 %     10.69 %     10.87 %     10.89 %
    Tangible common equity to tangible assets (1)   9.31 %     8.92 %     8.71 %     8.81 %     8.80 %
    Common equity book value per share $ 31.19     $ 30.55     $ 30.16     $ 29.26     $ 28.76  
    Tangible common equity book value per share (1) $ 25.06     $ 24.43     $ 24.05     $ 23.17     $ 22.70  
                       
    Regulatory Capital Ratios (Period End)                  
    Tier 1 leverage ratio   9.80 %     9.51 %     9.53 %     9.74 %     9.65 %
    Common equity tier 1 risk-based capital ratio   10.97 %     10.85 %     10.88 %     10.72 %     10.71 %
    Tier 1 risk-based capital ratio   10.97 %     10.85 %     10.88 %     10.72 %     10.71 %
    Total risk-based capital ratio   14.35 %     14.19 %     14.27 %     14.09 %     14.11 %
                       
    (1) Non-GAAP metric. A reconciliation of this and other non-GAAP to GAAP performance measures is included below.        
    (2) Noninterest expense to net interest income before loan loss provision plus noninterest income adjusted for tax equivalent income.    
    (3) Net income before amortization of intangibles to average tangible common equity.                
                       
    Univest Financial Corporation  
    Average Balances and Interest Rates (Unaudited)  
        For the Three Months Ended,      
    Tax Equivalent Basis March 31, 2025   December 31, 2024  
      Average Income/ Average   Average Income/ Average  
    (Dollars in thousands) Balance Expense Rate   Balance Expense Rate  
    Assets:                
    Interest-earning deposits with other banks $ 119,997   $ 1,360 4.60 % $ 402,753   $ 4,852 4.79 %
    Obligations of state and political subdivisions*   879     4 1.85     1,290     7 2.16  
    Other debt and equity securities   499,199     4,019 3.27     499,458     3,815 3.04  
    Federal Home Loan Bank, Federal Reserve Bank and other stock   37,561     687 7.42     39,407     746 7.53  
    Total interest-earning deposits, investments and other interest-earning assets   657,636     6,070 3.74     942,908     9,420 3.97  
                     
    Commercial, financial, and agricultural loans   990,860     17,020 6.97     972,840     17,492 7.15  
    Real estate—commercial and construction loans   3,704,232     52,676 5.77     3,631,142     53,163 5.82  
    Real estate—residential loans   1,729,146     21,542 5.05     1,708,795     21,249 4.95  
    Loans to individuals   19,438     393 8.20     25,803     522 8.05  
    Tax-exempt loans and leases   230,133     2,861 5.04     233,036     2,652 4.53  
    Lease financings   182,694     3,240 7.19     187,033     3,296 7.01  
    Gross loans and leases   6,856,503     97,732 5.78     6,758,649     98,374 5.79  
    Total interest-earning assets   7,514,139     103,802 5.60     7,701,557     107,794 5.57  
    Cash and due from banks   56,690           56,989        
    Allowance for credit losses, loans and leases   (87,822 )         (86,812 )      
    Premises and equipment, net   46,852           47,155        
    Operating lease right-of-use assets   27,761           28,891        
    Other assets   423,423           415,567        
    Total assets $ 7,981,043         $ 8,163,347        
                     
    Liabilities:                
    Interest-bearing checking deposits $ 1,222,012   $ 7,075 2.35 % $ 1,275,348   $ 8,504 2.65 %
    Money market savings   1,840,194     18,035 3.97     1,954,246     20,653 4.20  
    Regular savings   702,543     763 0.44     705,222     817 0.46  
    Time deposits   1,476,495     16,106 4.42     1,499,998     17,247 4.57  
    Total time and interest-bearing deposits   5,241,244     41,979 3.25     5,434,814     47,221 3.46  
                     
    Short-term borrowings   6,909     14 0.82     7,102     1 0.06  
    Long-term debt   217,500     2,361 4.40     225,000     2,501 4.42  
    Subordinated notes   149,319     2,281 6.20     149,194     2,281 6.08  
    Total borrowings   373,728     4,656 5.05     381,296     4,783 4.99  
    Total interest-bearing liabilities   5,614,972     46,635 3.37     5,816,110     52,004 3.56  
    Noninterest-bearing deposits   1,376,409           1,369,669        
    Operating lease liabilities   30,675           31,864        
    Accrued expenses and other liabilities   62,176           65,467        
    Total liabilities   7,084,232           7,283,110        
    Total interest-bearing liabilities and noninterest-bearing deposits (“Cost of Funds”)   6,991,381     2.71     7,185,779     2.88  
                     
    Shareholders’ Equity:                
    Common stock   157,784           157,784        
    Additional paid-in capital   302,653           301,895        
    Retained earnings and other equity   436,374           420,558        
    Total shareholders’ equity   896,811           880,237        
    Total liabilities and shareholders’ equity $ 7,981,043         $ 8,163,347        
    Net interest income   $ 57,167       $ 55,790    
                     
    Net interest spread     2.23       2.01  
    Effect of net interest-free funding sources     0.86       0.87  
    Net interest margin     3.09 %     2.88 %
    Ratio of average interest-earning assets to average interest-bearing liabilities   133.82 %         132.42 %      
                     
    * Obligations of states and political subdivisions are tax-exempt earning assets.          
    Notes: For rate calculation purposes, average loan and lease categories include deferred fees and costs and purchase accounting adjustments.
    Net interest income includes net deferred costs amortization of $554 thousand and $676 thousand for the three months ended March 31,
    2025 and December 31, 2024, respectively.              
    Nonaccrual loans and leases have been included in the average loan and lease balances. Loans held for sale have been included  
    in the average loan balances. Tax-equivalent amounts for the three months ended March 31, 2025 and December 31, 2024 have  
    been calculated using the Corporation’s federal applicable rate of 21.0%.          
                     
    Univest Financial Corporation  
    Average Balances and Interest Rates (Unaudited)  
       For the Three Months Ended March 31,    
    Tax Equivalent Basis 2025   2024  
      Average Income/ Average   Average Income/ Average  
    (Dollars in thousands) Balance Expense Rate   Balance Expense Rate  
    Assets:                
    Interest-earning deposits with other banks $ 119,997   $ 1,360 4.60 % $ 120,845   $ 1,609 5.36 %
    Obligations of state and political subdivisions*   879     4 1.85     1,951     12 2.47  
    Other debt and equity securities   499,199     4,019 3.27     499,032     3,647 2.94  
    Federal Home Loan Bank, Federal Reserve Bank and other stock   37,561     687 7.42     39,115     724 7.44  
    Total interest-earning deposits, investments and other interest-earning assets   657,636     6,070 3.74     660,943     5,992 3.65  
                     
    Commercial, financial, and agricultural loans   990,860     17,020 6.97     934,649     16,523 7.11  
    Real estate—commercial and construction loans   3,704,232     52,676 5.77     3,575,142     50,641 5.70  
    Real estate—residential loans   1,729,146     21,542 5.05     1,618,188     19,555 4.86  
    Loans to individuals   19,438     393 8.20     27,315     548 8.07  
    Tax-exempt loans and leases   230,133     2,861 5.04     232,380     2,464 4.26  
    Lease financings   182,694     3,240 7.19     189,691     3,169 6.72  
    Gross loans and leases   6,856,503     97,732 5.78     6,577,365     92,900 5.68  
    Total interest-earning assets   7,514,139     103,802 5.60     7,238,308     98,892 5.49  
    Cash and due from banks   56,690           54,870        
    Allowance for credit losses, loans and leases   (87,822 )         (86,495 )      
    Premises and equipment, net   46,852           50,592        
    Operating lease right-of-use assets   27,761           31,121        
    Other assets   423,423           408,179        
    Total assets $ 7,981,043         $ 7,696,575        
                     
    Liabilities:                
    Interest-bearing checking deposits $ 1,222,012   $ 7,075 2.35 % $ 1,180,696   $ 8,218 2.80 %
    Money market savings   1,840,194     18,035 3.97     1,705,291     19,220 4.53  
    Regular savings   702,543     763 0.44     769,926     905 0.47  
    Time deposits   1,476,495     16,106 4.42     1,238,878     13,630 4.42  
    Total time and interest-bearing deposits   5,241,244     41,979 3.25     4,894,791     41,973 3.45  
                     
    Short-term borrowings   6,909     14 0.82     10,127     5 0.20  
    Long-term debt   217,500     2,361 4.40     292,486     2,883 3.96  
    Subordinated notes   149,319     2,281 6.20     148,818     2,281 6.16  
    Total borrowings   373,728     4,656 5.05     451,431     5,169 4.61  
    Total interest-bearing liabilities   5,614,972     46,635 3.37     5,346,222     47,142 3.55  
    Noninterest-bearing deposits   1,376,409           1,409,063        
    Operating lease liabilities   30,675           34,166        
    Accrued expenses and other liabilities   62,176           64,578        
    Total liabilities   7,084,232           6,854,029        
    Total interest-bearing liabilities and noninterest-bearing deposits (“Cost of Funds”)   6,991,381     2.71     6,755,285     2.81  
                     
    Shareholders’ Equity:                
    Common stock   157,784           157,784        
    Additional paid-in capital   302,653           300,679        
    Retained earnings and other equity   436,374           384,083        
    Total shareholders’ equity   896,811           842,546        
    Total liabilities and shareholders’ equity $ 7,981,043         $ 7,696,575        
    Net interest income   $ 57,167       $ 51,750    
                     
    Net interest spread     2.23       1.94  
    Effect of net interest-free funding sources     0.86       0.94  
    Net interest margin     3.09 %     2.88 %
    Ratio of average interest-earning assets to average interest-bearing liabilities   133.82 %         135.39 %      
                     
    * Obligations of states and political subdivisions are tax-exempt earning assets.          
    Notes: For rate calculation purposes, average loan and lease categories include deferred fees and costs and purchase accounting adjustments.
    Net interest income includes net deferred costs amortization of $554 thousand and $453 thousand for the three months ended
    March 31, 2025 and 2024, respectively.
    Nonaccrual loans and leases have been included in the average loan and lease balances. Loans held for sale have been included
    in the average loan balances. Tax-equivalent amounts for the three months ended March 31, 2025 and 2024 have been
    calculated using the Corporation’s federal applicable rate of 21.0%.
                     
    Univest Financial Corporation
    Loan Portfolio Overview (Unaudited)
    March 31, 2025
             
    (Dollars in thousands)        
    Industry Description Total Outstanding Balance   % of Commercial Loan Portfolio  
    CRE – Retail $ 469,397   8.7 %
    Animal Production   394,279   7.3  
    CRE – Multi-family   360,743   6.7  
    CRE – Office   299,751   5.6  
    CRE – 1-4 Family Residential Investment   278,386   5.2  
    CRE – Industrial / Warehouse   253,136   4.7  
    Hotels & Motels (Accommodation)   207,710   3.8  
    Specialty Trade Contractors   189,427   3.5  
    Nursing and Residential Care Facilities   177,053   3.3  
    Motor Vehicle and Parts Dealers   146,911   2.7  
    Merchant Wholesalers, Durable Goods   146,037   2.7  
    Homebuilding (tract developers, remodelers)   140,612   2.6  
    Repair and Maintenance   134,183   2.5  
    Crop Production   110,882   2.1  
    CRE – Mixed-Use – Residential   109,872   2.0  
    Wood Product Manufacturing   101,606   1.9  
    Professional, Scientific, and Technical Services   95,730   1.8  
    Food Services and Drinking Places   86,916   1.6  
    Administrative and Support Services   83,145   1.5  
    Merchant Wholesalers, Nondurable Goods   83,088   1.5  
    Fabricated Metal Product Manufacturing   78,181   1.4  
    Real Estate Lenders, Secondary Market Financing   75,461   1.4  
    Religious Organizations, Advocacy Groups   65,857   1.2  
    CRE – Mixed-Use – Commercial   64,683   1.2  
    Miniwarehouse / Self-Storage   64,553   1.2  
    Personal and Laundry Services   64,508   1.2  
    Education   62,362   1.2  
    Amusement, Gambling, and Recreation Industries   61,437   1.1  
    Food Manufacturing   56,400   1.0  
    Industries with >$50 million in outstandings $ 4,462,306   82.7 %
    Industries with <$50 million in outstandings $ 936,324   17.3 %
    Total Commercial Loans $ 5,398,630   100.0 %
             
             
    Consumer Loans and Lease Financings Total Outstanding Balance      
    Real Estate-Residential Secured for Personal Purpose   992,767      
    Real Estate-Home Equity Secured for Personal Purpose   189,119      
    Loans to Individuals   16,930      
    Lease Financings   235,591      
    Total – Consumer Loans and Lease Financings $ 1,434,407      
    Total $ 6,833,037      
             
    Univest Financial Corporation
    Non-GAAP Reconciliation
    March 31, 2025
                             
     
     
    Non-GAAP to GAAP Reconciliation
    Management uses non-GAAP measures in its analysis of the Corporation’s performance. These measures should not be considered a substitute for GAAP basis measures nor should they be viewed as a substitute for operating results determined in accordance with GAAP. Management believes the presentation of the non-GAAP financial measures, which exclude the impact of the specified items, provides useful supplemental information that is essential to a proper understanding of the financial results of the Corporation. See the table below for additional information on non-GAAP measures used throughout this earnings release.
                             
            As of or for the three months ended,
    (Dollars in thousands) 03/31/25   12/31/24   09/30/24   06/30/24   03/31/24
    Net income $ 22,395     $ 18,941     $ 18,578     $ 18,107     $ 20,305  
    Amortization of intangibles, net of tax   103       122       130       149       148  
    Net income before amortization of intangibles $ 22,498     $ 19,063     $ 18,708     $ 18,256     $ 20,453  
                             
    Shareholders’ equity $ 903,472     $ 887,301     $ 877,071     $ 854,137     $ 843,669  
    Goodwill   (175,510 )     (175,510 )     (175,510 )     (175,510 )     (175,510 )
    Other intangibles (a)     (2,104 )     (2,263 )     (2,147 )     (2,157 )     (2,273 )
    Tangible common equity $ 725,858     $ 709,528     $ 699,414     $ 676,470     $ 665,886  
                             
    Total assets $ 7,975,167     $ 8,128,417     $ 8,205,737     $ 7,855,446     $ 7,746,568  
    Goodwill   (175,510 )     (175,510 )     (175,510 )     (175,510 )     (175,510 )
    Other intangibles (a)     (2,104 )     (2,263 )     (2,147 )     (2,157 )     (2,273 )
    Tangible assets $ 7,797,553     $ 7,950,644     $ 8,028,080     $ 7,677,779     $ 7,568,785  
                             
    Average shareholders’ equity $ 896,811     $ 880,237     $ 864,406     $ 844,572     $ 842,546  
    Average goodwill   (175,510 )     (175,510 )     (175,510 )     (175,510 )     (175,510 )
    Average other intangibles (a)     (2,162 )     (2,146 )     (2,086 )     (2,222 )     (2,318 )
    Average tangible common equity $ 719,139     $ 702,581     $ 686,810     $ 666,840     $ 664,718  
                             
    (a) Amount does not include mortgage servicing rights                  
                             

    The MIL Network –

    April 24, 2025
  • MIL-OSI Europe: REPORT on the European Water Resilience Strategy – A10-0073/2025

    Source: European Parliament

    MOTION FOR A EUROPEAN PARLIAMENT RESOLUTION

    on the European Water Resilience Strategy

    (2024/2104(INI))

    The European Parliament,

    – having regard to the Treaty of the Functioning of the European Union (TFEU), in particular Article 191 thereof,

    – having regard to the Agreement adopted at the 21st Conference of the Parties to the UNFCCC (COP21) in Paris on 12 December 2015 (the Paris Agreement),

    – having regard to the United Nations 2030 Agenda for Sustainable Development and the Sustainable Development Goals (SDGs), with particular emphasis on the SDG 6 onclean water and sanitation,

    – having regard to the Kunming-Montreal Global Biodiversity Framework, adopted in December 2022,

    – having regard to the Stockholm Convention on Persistent Organic Pollutants of 22 May 2021,

    – having regard to the precautionary principle and the principles that preventive action should be taken, that environmental damage should, as a priority, be rectified at source and that the polluter should pay, as enshrined in Article 191(2) TFEU,

    – having regard to Regulation (EU) 2021/1119 of the European Parliament and of the Council of 30 June 2021 establishing the framework for achieving climate neutrality and amending Regulations (EC) No 401/2009 and (EU) 2018/1999 (European Climate Law)[1],

    – having regard to Directive 2000/60/EC of the European Parliament and of the Council of 23 October 2000 establishing a framework for Community action in the field of water policy[2] (Water Framework Directive),

    – having regard to Directive 2006/118/EC of the European Parliament and of the Council of 12 December 2006 on the protection of groundwater against pollution and deterioration[3] (Groundwater Directive),

    – having regard to Directive 2008/105/EC of the European Parliament and of the Council of 16 December 2008 on environmental quality standards in the field of water policy, amending and subsequently repealing Council Directives 82/176/EEC, 83/513/EEC, 84/156/EEC, 84/491/EEC, 86/280/EEC and amending Directive 2000/60/EC of the European Parliament and of the Council[4] (Environmental Quality Standards Directive),

    – having regard to Directive 2007/60/EC of the European Parliament and of the Council of 23 October 2007 on the assessment and management of flood risks[5],

    – having regard to Directive (EU) 2020/2184 of the European Parliament and of the Council of 16 December 2020 on the quality of water intended for human consumption[6] (Drinking Water Directive),

    – having regard to Regulation (EU) 2020/741 of the European Parliament and of the Council of 25 May 2020 on minimum requirements for water reuse[7] (Water Reuse Regulation),

    – having regard to Directive 2008/56/EC of the European Parliament and of the Council of 17 June 2008 establishing a framework for community action in the field of marine environmental policy (Marine Strategy Framework Directive)[8],

    – having regard to Directive (EU) 2024/3019 of the European Parliament and of the Council of 27 November 2024 concerning urban wastewater treatment[9] (revised Urban Wastewater Treatment Directive),

    – having regard to Directive (EU) 2024/1785 of the European Parliament and of the Council of 24 April 2024 amending Directive 2010/75/EU on industrial emissions (integrated pollution prevention and control) and Council Directive 1999/31/EC on the landfill of waste[10],

    – having regard to Council Directive 91/676/EEC of 12 December 1991 concerning the protection of waters against pollution caused by nitrates from agricultural sources[11],

    – having regard to Regulation (EU) 2024/1991 of the European Parliament and of the Council of 24 June 2024 on nature restoration and amending Regulation (EU) 2022/869[12],

    – having regard to Directive (EU) 2022/2557 of the European Parliament and of the Council of 14 December 2022 on the resilience of critical entities and repealing Council Directive 2008/114/EC[13] (Critical Entities Resilience Directive),

    – having regard to Directive (EU) 2022/2555 of the European Parliament and of the Council on 14 December 2022 on measures for a high common level of cybersecurity across the Union, amending Regulation (EU) No 910/2014 and Directive (EU) 2018/1972, and repealing Directive (EU) 2016/1148 (NIS 2 Directive)[14],

    – having regard to Directive 2009/128/EC of the European Parliament and of the Council of 21 October 2009 establishing a framework for Community action to achieve the sustainable use of pesticides[15],

    – having regard to Regulation (EU) 2021/2115 of the European Parliament and of the Council of 2 December 2021 establishing rules on support for strategic plans to be drawn up by Member States under the common agricultural policy (CAP Strategic Plans) and financed by the European Agricultural Guarantee Fund (EAGF) and by the European Agricultural Fund for Rural Development (EAFRD) and repealing Regulations (EU) No 1305/2013 and (EU) No 1307/2013[16],

    – having regard to Commission Regulation (EU) 2024/3190 of 19 December 2024 on the use of bisphenol A (BPA) and other bisphenols and bisphenol derivatives with harmonised classification for specific hazardous properties in certain materials and articles intended to come into contact with food, amending Regulation (EU) No 10/2011 and repealing Regulation (EU) 2018/213[17],

    – having regard to the Commission communication of 19 February 2021 entitled ‘A Vision for Agriculture and Food’ (COM(2025)0075),

    – having regard to the Commission communication of 11 December 2019 on the European Green Deal (COM(2019)0640),

    – having regard to the Commission communication of 29 January 2025 entitled ‘A Competitiveness Compass for the EU’ (COM(2025)0030),

    – having regard to the Commission communication of 12 May 2021 entitled ‘Pathway to a Healthy Planet for All – EU Action Plan: ‘Towards Zero Pollution for Air, Water and Soil’’ (COM(2021)0400),

    – having regard to the Commission communication of 24 February 2021 entitled ‘Forging a climate-resilient Europe – the new EU Strategy on Adaptation to Climate Change’ (COM(2021)0082),

    – having regard to the Commission communication of 18 July 2007 on addressing the challenge of water scarcity and droughts in the European Union (COM(2007)0414),

    – having regard to the Commission communication of 11 March 2020 entitled ‘A new Circular Economy Action Plan: For a cleaner and more competitive Europe’ (COM(2020)0098),

    – having regard to the Commission communication of 14 November 2012 entitled ‘A Blueprint to Safeguard Europe’s Water Resources’ (COM(2012)0673),

    – having regard to the EU biodiversity strategy for 2030,

    – having regard to the COP29 Declaration on Water for Climate Action, endorsed by the European Union,

    – having regard to the European Oceans Pact announced by Commission President von der Leyen in her political guidelines for the next European Commission (2024-2029) on 18 July 2024,

    – having regard to the European climate adaptation plan and the European water resilience strategy announced by Commission President von der Leyen in her political guidelines for the next European Commission (2024-2029) on 18 July 2024,

    – having regard to the EU’s 8th environment action programme,

    – having regards to its resolution of 5 October 2022 entitled ‘Access to water as a human right – the external dimension’[18],

    – having regard to its resolution of 19 September 2024 on the devastating floods in central and eastern Europe, the loss of lives and the EU’s preparedness to act on such disasters exacerbated by climate change[19],

    – having regard to its resolution of 6 October 2022 on momentum for the ocean: strengthening ocean governance and biodiversity[20],

    – having regard to its resolution of 28 November 2019 on the climate and environment emergency[21],

    – having regard to its resolution of 14 November 2024 on the UN climate change conference in Baku, Azerbaijan (COP29)[22],

    – having regard to the Commission report  of 4February 2025 on the implementation of the Water Framework Directive (2000/60/EC) and the Floods Directive (2007/60/EC) entitled ‘Third river basin management plans – Second flood risk management plans’ (COM(2025)0002),

    – having regard to the European Court of Auditors special report 15/2024 of 16 October 2024 entitled ‘Climate adaptation in the EU – action not keeping up with ambition’,

    – having regard to former Finnish President Sauli Niinistö’s report of 30 October 2024 entitled ‘Safer Together – Strengthening Europe’s civil and military preparedness and readiness’,

    – having regard to Enrico Letta’s report of April 2024 entitled ‘Much more than a market’,

    – having regard to its resolution of 17 December 2020 on the implementation of the EU water legislation[23],

    – having regard to the European Court of Auditors special report 33/2018 of 18 December 2018 entitled ‘Combating desertification in the EU: a growing threat in need of more action,

    – having regard to the European citizens’ initiative (ECI) on the right to water,

    – having regard to its resolution of 8 September 2015 on the follow-up to the European Citizens’ Initiative Right2Water[24],

    – having regard to UN General Assembly Resolution 64/292 of 28 July 2010, which recognises the human right to water and sanitation,

    – having regard to the Strategic Dialogue on the future of EU agriculture,

    – having regard to the European Court of Auditors special report 20/2024 of 30 September 2024 entitled ‘Common Agricultural Policy Plans – Greener, but not matching the EU’s ambitions for the climate and the environment’,

    – having regard to European Environment Agency report 07/2024 of 15 October 2024 entitled ‘Europe’s state of water 2024: the need for improved water resilience’ (EEA Report 07/2024),

    – having regard to the Environment Council conclusions of 17 June 2024 on the 8th environment action programme,

    – having regard to European Court of Auditors special report 20/2021 of 28 September 2021 entitled ‘Sustainable water use in agriculture: CAP funds more likely to promote greater rather than more efficient water use’,

    – having regard to the European Economic and Social Committee declaration of 26 October 2023 for an EU Blue Deal,

    – having regard to the Commission proposal of 5 July 2023 for a directive of the European Parliament and of the Council on Soil Monitoring and Resilience (Soil Monitoring Law) (COM(2023)0416),

    – having regard to its position  at first reading of 24 April 2024 on the proposal for a directive of the European Parliament and of the Council amending Directive 2000/60/EC establishing a framework for Community action in the field of water policy, Directive 2006/118/EC on the protection of groundwater against pollution and deterioration and Directive 2008/105/EC on environmental quality standards in the field of water policy[25],

    – having regard to Rule 55 of its Rules of Procedure,

    – having regard to the opinion of the Committee on Agriculture and Rural Development,

    – having regard to the report of the Committee on the Environment, Climate and Food Safety (A10-0073/2025),

    A. whereas water is essential for life and humanity; whereas the EU has to manage current and future water resources efficiently and respond effectively to the current water challenges, as they directly affect human health, the environment and its ecosystems, strategic socio-economic activities such as energy production, agriculture and food security, and the EU’s competitiveness;

    B. whereas water is a scarce and limited resource and, while 70 % of the earth’s surface is water-covered, available and usable fresh water accounts for only 0.5 % of water on earth[26]; whereas mountains are real water towers and important freshwater reservoirs in Europe, the Alps alone providing 40 % of Europe’s fresh water[27];

    C. whereas groundwater supplies two thirds of the EU’s drinking water and supports many ecosystems[28]; whereas the services provided by freshwater ecosystems are worth over EUR 11 trillion in Europe, and provide considerable health and recreational benefits, such as from angling[29];

    D. whereas water stress is already occurring in Europe, affecting approximately 20 % of Europe’s territory and 30 % of the population on average every year, figures that are likely to increase in the future on account of climate change[30], despite the fact that total water abstraction at the EU-27 level appeared to decrease by 15 % between 2000 and 2019; whereas the increase in the number and recurrence of extreme weather events such as droughts and floods, and the fact that they are expected to become yet more frequent in the near future, poses a risk to human life and the EU’s food sovereignty and could lead to regions in Europe becoming uninhabitable;

    E. whereas 78 % of Europeans consider that the EU should propose additional measures to address water-related issues in Europe and 21 % of Europeans consider pollution to be the main threat linked to water in their country[31];

    F. whereas the human right to water and sanitation was recognised as a human right in a resolution adopted by the UN General Assembly on 28 July 2010;

    G. whereas the European Citizens’ Initiative Right2Water was the first ever to gather the required number of signatories, calling for the EU to ensure the right to water for all;

    H. whereas the provisions of Article 14 TFEU and Protocol No 26 thereto on Services of General Interest are key elements to be prominently taken into account in all aspects of the design and implementation of the European water resilience strategy (EWRS), thus safeguarding the status of Europe’s water services as essential public services, and ensuring accessibility, equity, affordability and the maintenance of high quality standards;

    I. whereas the Member States should follow up on the recommendations of the Commission report of November 2023[32] in order to improve water balances as the knowledge basis for making decisions about water allocation;

    J. whereas substantive corporate value may be at risk owing to worsening water insecurity, with a decrease in the capacity of production or its complete halt as a consequence; whereas assets in water-stressed regions could become stranded, temporarily or permanently, if assumptions made about water availability and access prove inaccurate, if regulatory responses are unanticipated or if risk mitigation and stewardship plans are not put in place[33];

    K. whereas the deadline set by the Water Framework Directive (WFD) for European rivers, lakes, transitional waters, coastal waters and groundwaters to achieve ‘good’ status was 2015, with a possible postponement to 2027 under certain conditions; whereas the objective of achieving good chemical status for all EU water bodies by 2027 remains far from being achieved, primarily due to substances such as mercury, brominated flame retardants and polycyclic aromatic hydrocarbons[34];

    L. whereas the 2025 report on the implementation of the WFD shows that delays in meeting the WFD’s targets are not due to a deficiency in the legislation but to a lack of funding, slow implementation and insufficient integration of environmental objectives into sectoral policies; whereas analysis has shown that the Member States are not meeting the annual investment needs, which are estimated to be EUR 77 billion, with a financing gap currently estimated at around EUR 25 billion a year; whereas the report also shows the clear need for the Member States to increase their level of ambition and accelerate action to reduce the compliance gap as much as possible before 2027, to increase investment and ensure adequate financing, including via EU funds, to achieve the objectives of their programmes of measures, as well as to put in place additional measures to reduce current persistent environmental challenges to and improve transboundary cooperation;

    M. whereas the water legislation has been evaluated as fit for purpose; whereas it establishes a framework for the protection of inland surface waters, transitional waters, coastal waters and groundwater; whereas, at the same time, it allows for less stringent environmental objectives to be achieved if socio-economic needs served by such human activity cannot be achieved by other means and it allows for a failure to achieve the objectives for water bodies if the reason for the failure is overriding public interest; whereas the legislation is proportionate and mandates the authorities of the Member States, in line with the principle of subsidiarity, to decide on the overriding public interest; whereas in some cases this may be the protection of the environment and in others a socio-economic activity;

    N. whereas industry accounts for approximately 40 % of total water abstraction in Europe; whereas the largest categories of the annual water abstraction in the EU-27, according to the statistical classification of economic activities in the European Community (NACE), are abstraction for cooling in electricity generation (34 %), followed by abstraction for agriculture (29 %), public water supply (21 %) and manufacturing (15 %)[35]; whereas data on water abstraction and use in the EU is historical and poor[36];

    O. whereas electricity production is the largest water-abstracting sector, but most of the water is returned to the environment after cooling or turbine propulsion; whereas overall, agriculture is the highest net water-consuming sector at the EU level, as most of the water is consumed by the crop or evaporates; whereas other uses, such as industry and water utilities, abstract and consume comparatively less water, but they can represent significant pressures at a local level, especially on groundwater[37];

    P. whereas all industrial activity requires water to produce its end products or to support production activities; whereas businesses depend on water for their daily operations, and as water scarcity increases, it can disrupt operations, raise costs and create regulatory and reputational risks;

    Q. whereas the energy sector relies heavily on water resources; whereas this dependency poses a serious risk as water scarcity can impact energy production processes and supply security, especially where water is used as feedstock or for cooling; whereas the transition to renewable energy, particularly wind and solar energy, offers sustainable and water-efficient decarbonisation pathways and the opportunity to halt or reverse the trend of increasing water consumption;

    R. whereas water is an essential resource for agriculture in the production of high-quality food, feed and renewable raw materials; whereas agriculture depends on water availability and irrigation helps to shield farmers from irregular rainfall and to increase the viability, yield and quality of the crops, but is a significant drain on water resources; whereas in view of climate change, changing weather patterns and increased frequency of floods and droughts, the importance of water as a resource for the production of high-quality agricultural products and of the need for water to be used efficiently will therefore be fundamental to the security of food supply and to the solutions to address water scarcity; whereas reducing pressure on surface water and groundwater from agriculture must go hand in hand with investment aimed at the use of reclaimed water and innovative desalination technologies, thereby achieving a better water balance as well as promoting clean alternative energies such as green hydrogen;

    S. whereas reliable data on water accounting, that is, the systematic study of the current status and trends in water supply, demand, accessibility and use in domains that have been specified[38], is crucial for an assessment of the current situation in the EU and for European competitiveness;

    T. whereas the potential of wastewater as an alternative water supply is underestimated, given that 60-70 % of the potential value of wastewater across the EU is currently unexploited[39] and less than 3 % of treated wastewater is reused in the EU[40]; whereas there is significant potential for circular approaches to water in households, as only a small amount of the water in households is used for drinking and eating and therefore requires the highest quality standards;

    U. whereas a very large quantity of water is lost due to obsolete or ageing water networks and the lack of necessary maintenance; whereas investment in the maintenance, improvement and development of resilient innovative irrigation infrastructures is essential for reducing and improving the efficiency of water consumption in agriculture; whereas such improvements in efficiency enable the water saved to be used for other purposes or enable the natural flow rates of watercourses to be maintained;

    V. whereas clean and sufficient water is an essential element in implementing and achieving a real sustainable circular economy in the EU;

    W. whereas water leakage is an underestimated global issue, which significantly exacerbates water scarcity, with an average of 23 % of treated water lost during distribution in the EU due to leaky pipes, outdated treatment facilities and insufficient reservoirs[41]; whereas the revised Drinking Water Directive included measures to reduce water leakages, as well as risk assessment and management of the catchment areas for drinking water abstraction;

    X. whereas in 2021, 91 % of Europe’s groundwater bodies were reported as having achieved ‘good quantitative status’, while 77 % were reported as having ‘good chemical status’[42];

    Y. whereas in 2021, only 37 % of Europe’s surface water bodies were reported as being in ‘good’ or ‘high’ ecological status, while 29 % achieved ‘good chemical status’[43];

    Z. whereas the European Environment Agency emphasises that the proportion of surface waters failing to achieve good ecological status is uneven across Europe, and that these are more prevalent in parts of central and western Europe, and stresses that differences in water status between the Member States may be caused by different pressures, but that those differences may also result from varying approaches to monitoring and assessment[44];

    AA. whereas the quality of surface waters across the continent reflects continuing and combined pressures, in particular diffuse pollution and the degradation of their natural flow and physical features; whereas pollution by nutrients and persistent priority substances, as well as by substances newly emerging as pollutants, continues; whereas groundwaters are affected by diffuse pollution and also suffer from intensive abstraction[45];

    AB. whereas groundwater supplies 65 % of water for drinking and 25 % of water for agricultural irrigation in the EU[46]; whereas it is a finite resource that needs to be protected from pollution and over-exploitation[47];

    AC. whereas monitoring data from the European Environment Agency indicates widespread pollution by per- and polyfluoralkyl substances (PFAS), commonly referred to as ‘forever chemicals’, in European waters, posing significant risks to aquatic ecosystems and human health; whereas short-chain PFAS trifluoroacetic acid (TFA) has been detected in drinking water all over Europe; whereas PFAS persist in the environment, bioaccumulate in living organisms and cause adverse (eco)toxicological effects; whereas from a group of 6 000 to 10 000 individual substances, only a few have been extensively studied and their impact on human health and environment is known; whereas 99 % of PFAS remain undetected in the environment as a result of limits in monitoring;

    AD. whereas the lack of EU-wide quality standards for PFAS in groundwater and insufficient monitoring of less-studied PFAS compounds exacerbate the challenge of achieving good chemical status for EU waters in line with the WFD and pose a substantial technical and financial burden on health systems and on water service providers while jeopardising applications of water and sewage sludge reuse;

    AE. whereas hazardous chemicals, including heavy metals and other pollutants, released into water bodies by industrial activities, significantly impact water quality and aquatic ecosystems[48];

    AF. whereas pharmaceutical substances are increasingly identified in surface water and groundwater; whereas pollution caused by pharmaceutical residues necessitates advanced water treatment technologies, including membrane filtration, activated carbon treatment, advanced oxidation processes and other innovative purification techniques;

    AG. whereas Directive 2010/75/EU[49] mandates that the potential aggravation of the impact of industrial discharges on the state of water bodies due to variations of water flow dynamics should be explicitly taken into account in the granting and reviewing of permits; whereas the best available techniques will newly incorporate notions of environmental performance levels related to water and permits, which translate the use of these techniques into environmental performance limit values; whereas this is a welcome change with a potential improvement to the industry’s resilience, as EU installations may already face a lower production capacity seasonally due to water scarcity;

    AH. whereas urban wastewater is one of the main sources of water pollution, if not properly collected and treated; whereas the objectives of the Urban Wastewater Treatment Directive should not be lowered, and its scope should be extended to other sectors and substances that contribute to water pollution;

    AI. whereas nutrient pollution in EU water bodies leads to eutrophication, loss of biodiversity, and degradation of aquatic ecosystems[50]; whereas pesticide run-off contaminates surface water and groundwater, threatening water quality and human health;

    AJ. whereas research indicates that exposure in Europe to the synthetic chemical bisphenol A (BPA), which is used in products ranging from plastic and metal food containers to reusable water bottles, is well above acceptable health safety levels[51];

    AK. whereas soil and nutrient management lies at the basis of improving water quality and availability; whereas the EWRS should focus on improving nutrient management, with the aim of closing nutrient loops to reduce nutrient emissions to waterways; whereas the safe use of sewage sludge in agriculture will also reduce the EU’s very high dependency on the import of phosphorus mineral fertiliser, for example, from Russia; whereas the safe use of sludge should therefore also be considered as contributing to European resilience and strategic autonomy;

    AL. whereas climate change represents a major threat to water resources and aquatic ecosystems; whereas many impacts of climate change are felt through water, such as more intense and frequent droughts, more extreme flooding and more erratic seasonal rainfall; whereas floods and water scarcity compromise food and water security, and the health of the general population, ultimately affecting social cohesion, economic prosperity and stability, as well as jeopardising the long-term availability of this valuable resource;

    AM. whereas the European climate risk assessment recognised that Europe’s policies and adaptation actions are not keeping pace with the rapidly growing risks that threaten ecosystems, infrastructure, food and water supply and people’s health, as well as the economy and finance[52];

    AN. whereas assessments by the Intergovernmental Panel on Climate Change show that the sea level rise due to climate change is leading to an increase in the salinity of soils and freshwaters, compromising ecosystem health and water quality, as well as affecting 80 million Europeans living in low elevation coastal zones and flood plains; whereas freshwater and marine ecosystems are interconnected as riverine pollution, disruption to sediment flows and water shortages all have a very strong impact on the health of marine ecosystems, particularly the coastal ones, as well as on the viability of social and economic activities that depend on them, such as transport, fisheries, agriculture, aquaculture and tourism;

    AO. whereas prolonged drought, extreme heat and large-scale flooding events, caused by changing weather patterns, will intensify and become more frequent throughout the continent, damaging ecosystems and human health and leading to major disruption to economic activities and decreasing the overall quantity and quality of available water; whereas preserving water resources and the natural functions of rivers, while supplying sufficient water of good quality, is becoming a major challenge that will require increased climate change mitigation and adaptation efforts, effective management and innovative measures to increase water availability; whereas managing water scarcity and flood risks affordably and sustainably will increasingly become important across the EU;

    AP. whereas in 2022, Europe experienced its hottest summer and the second warmest year on record, leading to drought impacting over 15 % of EU territory; whereas the average annual economic loss caused by droughts in the EU between1981 and 2010 was estimated at around EUR 9 billion per year; whereas with no adaptation measures, it is estimated that annual drought losses in Europe and the UK could increase to EUR 45 billion per year up to 2100 with warming of 3°C[53]; whereas in the period of 1998-2020, floods comprised 43 % of all disaster events in Europe; whereas climate change impacts and socio-economic developments are leading to more frequent flooding, affecting an increasing number of people and causing increasing damage; whereas 12 % of Europe’s population lives in floodplains[54];

    AQ. whereas the cost of inaction in addressing water-related challenges is extremely high, given that 90 % of disasters are related to water[55]; whereas without policy action, the cost of economic losses from coastal floods alone could exceed EUR 1 trillion per year by the end of the century in the EU[56] and the economic cost of droughts in Europe could exceed EUR 65 billion a year by 2100[57];

    AR. whereas significant differences exist between the Member States in water availability, management strategies and usage patterns, and vulnerability to climate change impacts can vary considerably; whereas a tailored approach is required to enhance water resilience and ensure sustainable water management;

    AS. whereas droughts constitute one of the chief catastrophic consequences of climate change; whereas around 23 % of the EU’s territory is moderately susceptible to desertification and 8 % is highly susceptible to it; whereas Hungary, Bulgaria, Spain and Italy are among the countries most affected, and 74 % of Spain’s surface area is at risk of desertification; whereas the EWRS should look beyond prolonged droughts, but rather address the reality that the semi-arid line is moving north, resulting in increasing areas in the EU that will face chronic long-term unavailability of sufficient freshwater resources;

    AT. whereas policies related to desertification, water consumption and climate change are closely interconnected; whereas as part of the United Nations Convention to Combat Desertification, the EU reaffirmed in 2015 and later re-confirmed in 2024[58] its commitment to achieving land degradation neutrality by 2030, which, according to the European Court of Auditors special report on desertification, is unlikely to be achieved;

    AU. whereas water infrastructure can help maintain a constant and predictable flow and supply of water; whereas in 2022, the annual average river discharge across Europe was the second lowest since records began in 1991[59];

    AV. whereas downstream areas are particularly dependent on upstream water management and abstraction; whereas the Member States should refrain from implementing measures that significantly increase flood risks upstream or downstream of other countries in the same river basin, in accordance with the WFD;

    AW. whereas nature-based solutions are pertinent interventions that, when tailored to specific ecosystems and needs, can increase resilience in the water cycle and provide multiple benefits in terms of biodiversity protection, carbon sequestration, improved water quality, nutrient retention, supply of drinking water, wildfire prevention and flood risk mitigation; whereas nature-based solutions can enhance the effectiveness and the operable life of water infrastructure, therefore ensuring, in many cases, complementarity of both solutions;

    AX. whereas natural water retention measures are nature-based solutions that aim to store water in natural, agricultural, forested and urban landscapes;

    AY. whereas water is not a commercial product like any other but, rather, a heritage which must be protected, defended and treated as such; whereas, under Directive (EU) 2024/1203 on the protection of the environment through criminal law[60], abstraction of surface water or groundwater within the meaning of the WFD constitutes a criminal offence where such conduct is unlawful and intentional, and causes, or is likely to cause, substantial damage to the ecological status or the ecological potential of surface water bodies or to the quantitative status of groundwater bodies;

    AZ. whereas soil biodiversity and soil organic carbon affect water retention capacity; whereas soil erosion, compaction and certain soil management practices that cause soil degradation lead to a steady decrease in the water retention capacity of soil, which as a consequence exacerbates drought and flood events with a direct negative impact on farming; whereas healthy soil is therefore one of the drivers of water resilience, which itself should be approached and managed at river basin level; whereas better land management is key to preventing disasters;

    BA. whereas the current multiannual financial framework (MFF) includes an ambitious but non-binding target of dedicating at least 7.5 % of annual EU spending to the biodiversity objectives in 2024 and 10 % in both 2026 and 2027; whereas the new financial framework should incorporate a water perspective with a view to allocating sufficient resources to the future EWRS in order to ensure resilient water ecosystems and infrastructure, and security of water supply, and to facilitate investments in innovative solutions;

    BB. whereas cohesion funding has played a crucial role in improving water and sanitation services across the Member States; whereas continued support is required to ensure their long-term resilience and compliance with increasingly stringent quality standards;

    BC. whereas pricing policies can improve the efficiency of water use; whereas such policies are a national competence and account for the regional differences in water availability and the source of water supply; whereas pricing can play a significant role in prompting households and other economic sectors to optimise consumption, as well as in ensuring that water users effectively participate in recovering the costs of water services; whereas pricing policies should also consider affordability for households and small businesses;

    BD. whereas digitalisation and innovation can effectively assist the Member States, regional bodies and the Commission in collecting data on and monitoring water management; whereas the EU is at the forefront of new technological developments in the water sector, accounting for 40 % of all international patent families in this sector between 1992 and 2021[61], a position that needs to be fostered and nurtured, and the potential of the internal market fully exploited; whereas hurdles for the introduction and scaling-up of new water technologies need to be examined and a just European level playing field guaranteed; whereas continued support for research in water technology innovation is needed to secure and to create jobs and boost European competitiveness;

    BE. whereas innovation is a crucial tool to help the water sector meet the challenges of the United Nation’s SDGs, adapt to climate change and become more water-efficient;

    BF. whereas deployment of monitoring and modelling technologies is still lagging behind in many Member States, and the digitalisation of the sector is too slow; whereas provisions on the river basin management plans in the WFD do not explicitly include concrete measures to digitise the water sector; whereas common shortcomings for the current policies harnessing the potential digital solutions are related to the lack of technology guidance, monitoring standards, policy integration, standardisation and public involvement;

    BG. whereas the water sector is vulnerable to various threats, including physical attacks, cyberattacks and contamination with harmful agents; whereas such incidents could result in widespread illness, casualties and service disruptions, significantly impacting public health, the environment and economic stability; whereas the digitalisation of  water management might introduce further security risks in a context of increasing hostile attacks on critical infrastructure; whereas the implementation of the NIS2 Directive and Critical Entities Resilience Directive can contribute to mitigating security risks to vital (drinking) water systems and (drinking) water infrastructure, arising from geopolitical tensions;

    BH. whereas advances in sensor technology, computing, artificial intelligence (AI) and big data management can help monitor water quantity and quality and inform the operational decisions of the policymakers and water management companies; whereas innovations in nature-based systems to manage water are available and can contribute to resilient water management;

    BI. whereas water is a vital component in the life cycle of AI, both in the operation of data centres and the manufacture of hardware; whereas the rapid expansion of AI could result in an exponential increase in water demand; whereas that dependency on an increasingly scarce resource poses significant challenges in terms of sustainability; whereas strategic technologies, such as semiconductors, hydrogen, electric vehicle batteries and data centres, play a key role in achieving a competitive and autonomous EU;

    BJ. whereas chiller and cooling tower systems, based on innovative cooling technologies such as evaporative and closed-loop cooling, are already available and can contribute to reducing water consumption in industrial, heating, ventilation and air conditioning systems applications;

    BK. whereas research must be promoted with a view to producing alternative active ingredients to combat pests, to ensure greater plant health and reduce the use of inputs and phytosanitary products;

    BL. whereas water resilience is crucial in education and teaching, and in raising awareness and giving information about the functioning of the water cycle;

    BM. whereas limited access to water and related infrastructure has a negative impact, especially on women, as it undermines the realisation of other human rights, such as self-determination, economic independence and education;

    BN. whereas 60 % of European river basin districts are transnational, which makes effective transboundary cooperation crucial; whereas 20 European countries depend on other countries for more than 10 % of their water resources, with five countries relying on more than 75 % of their resources coming from abroad via rivers[62]; whereas this cooperation should be strengthened to account for current and future climate challenges such as droughts and floods;

    BO. whereas United Nations Secretary-General António Guterres appointed a Special Envoy on Water, aiming to enhance international cooperation and synergies among international water processes;

    BP. whereas clean water access and sustainable and resilient sanitation infrastructure are key components of the One Health approach, recognising the interconnection between the health of humans and water pollution;

    BQ. whereas water cooperation across borders and sectors generates many benefits, including enhancing food security, sustaining healthy livelihoods and ecosystems, helping address resilience to climate change, contributing to disaster risk reduction, providing renewable energy, supporting cities and industry, and fostering regional integration and peace;

    BR. whereas geopolitical developments demonstrate that the EU should be ready to withstand the challenges that go beyond the environmental sphere; whereas non-environmental threats, such as recent accidents related to the damaged cable in the Baltic Sea, send the EU a strong message that strengthening transboundary cooperation is key in addressing both the environmental and security-related objectives;

    BS. whereas about 41 000 kilometres of inland waterways flow through 25 of the Member States; whereas inland waterways, which rely on the availability of water resources, perform a crucial role in optimising water supply and mitigating the impact of droughts and floods, as well as supporting the economic activities and the development of regions;

    BT. whereas the increasing water scarcity, inequalities in access to water, and external shocks to the water sector have heightened interdependencies, increasing competition for water and leading to complex economic repercussions;

    General remarks

    1. Welcomes and supports President von der Leyen’s announcement in the political guidelines for the next European Commission (2024-2029) on putting forward a European Water Resilience Strategy (EWRS) addressing water efficiency, scarcity, pollution and water-related risks, as well as the recognition that water is an indispensable resource that is increasingly under stress from climate change and increasing demands;

    2. Believes that while implementing legislation, economic competitiveness should be taken into account in line with the Competitiveness Compass; calls for the implementation of EU environmental legislation in order to build a resilient and competitive Europe, mitigate and adapt to climate change, halt biodiversity loss, prevent pollution, ensure food security, limit resource use and waste, and strive towards efficient use of resources, including water, while taking into account the precautionary principle, the control-at-source principle and the polluter-pays principle; highlights the fact that water availability impacts the quantity, quality, variety and seasonal availability of foods that can be produced;

    3. Calls for the EU to integrate its commitments to the COP29 Baku Dialogue on Water for Climate Action and the UN 2023 Water Conference into the international dimension of the strategy;

    4. Stresses the urgent need to enhance water resilience and management to ensure sustainable freshwater supplies for people, the economy and the environment; emphasises that the EWRS should be developed in coordination with the European Oceans Pact, ensuring a cohesive and integrated approach to managing freshwater and ocean resources, addressing interconnected challenges, enhancing competitiveness and promoting sustainable water management across inland and marine environments, while ensuring a holistic ‘source-to-sea’ approach;

    5. Insists on the need for a comprehensive and holistic EWRS that integrates water quality, quantity, security, infrastructure, technology and management aspects and includes the restoration of the water cycle as a key element, as it underpins economic activities, ensures resource availability and contributes to climate regulation;

    6. Stresses the importance of water supply, in particular drinking water, as well as water security of supply; points out that all environmental restoration projects should take into account the water security aspects, prioritising solutions that not only provide environmental benefits, but also guarantee the supply and efficient management of water; emphasises, furthermore, that ecological restoration measures should be carried out in synergy with the development of the EU’s renewable energy potential and not impact the overall energy resilience;

    7. Recommends that lakes and other freshwater-dependent habitats be included in the strategy, alongside rivers, transitional waters and groundwater, as essential components of the EU’s water resilience efforts;

    8. Stresses the urgent need to improve crisis-warning systems with regard to heavy water incidents, as well as to improve preventive measures;

    9. Calls on the Commission to present a European climate adaptation plan, including concrete legislative proposals and actions, particularly regarding infrastructure resilience, water management and nature-based solutions, while prioritising the protection of vulnerable communities, to make the EU more resilient and to lead by example;

    10. Reiterates that access to clean and safe drinking water and sanitation is a human right; emphasises that this right must be unequivocally ensured, with everyone having access to affordable and good quality water services, including the inhabitants of islands and outermost regions;

    11. Notes that industrial activities and agricultural production require water to produce their end products or to support production activities, with the amount of water used varying depending on the type of activity; highlights the fact that ensuring Europe’s competitiveness and strategic autonomy requires a water-smart society where technology and data enhance a circular economy, fostering sustainable and water-efficient practices; calls on all relevant actors to accelerate the transition towards water-efficient, circular industry and agriculture by promoting and investing in innovative solutions, including digital tools and technologies, resource recovery, water reuse, renewable energy production, infrastructure, nature-based solutions and inclusive governance mechanisms;

    12. Urges the Commission to integrate and mainstream the water dimension into internal and external EU policies through a cross-sectoral approach in order to ensure that water resilience, sustainability and security is woven into the fabric of European policies; calls on the Commission, in particular, to carry out a water-related assessment of any regulatory measure, including related to energy, as part of the socio-economic and environmental impact assessment; emphasises that assessing how each EU policy, and EU-funded projects and infrastructure, can impact water resources in terms of quantity, quality and accessibility would ensure that water resilience is a cornerstone of policy formulation and implementation, thus shifting the paradigm from treating water as an infinite resource to recognising its intrinsic value for humanity and for the EU’s ecological and socio-economic landscape and its competitiveness;

    Water efficiency

    13. Stresses that efficient water use is essential for preserving the EU’s water resources and that water efficiency should be a key objective of the EU; calls, in this regard, for a consequential reduction in water demand, including by addressing excessive leakage levels, investing in research and innovative solutions, modernising industrial and production processes, upgrading water infrastructure, managing water resources and peak demands sustainably, prioritising uses and ensuring that higher water efficiency results in a reduction in overall freshwater consumption as well as in an increase in water availability in water-stressed areas at the local and regional levels; believes that areas affected by prolonged drought and desertification should be given priority;

    14. Calls for a legislative framework setting sectoral water efficiency and water abstraction targets at basin level, based on up-to-date assessments of water availability and climate risks, including a water valuation approach that accounts for ecosystem services and long-term sustainability, and covering all water uses, including industry, energy, agriculture, public institutions and households; underlines the fact that these targets should be ambitious yet adaptable, taking into account the specific circumstances and progress already achieved by each Member State to ensure continued efforts towards efficiency gains across all regions; stresses the importance of efficient and uniform data collection practices across the Member States and all sectors, including through the use of innovative technologies, as well as real-time data collection points for more transparency on water consumption; emphasises the need to carry out an appropriate assessment of the environmental and socio-economic impacts of water use;

    15. Reiterates the need to develop a common EU methodology for setting water efficiency and water abstraction targets to ensure the sustainable use of available renewable water resources within an integrated water resources management framework which gives due consideration to linkages beyond the water sector through the water-energy-food-ecosystems nexus, thus enabling decision-makers and economic actors to plan the necessary investment to ensure water supply security in an increasingly sustainable manner, while giving due consideration to the characteristics of the water bodies concerned;

    16. Calls for close collaboration on integrated energy and water resource planning and related technologies across all sectors at national, regional and local levels, including between all stakeholders, in order to establish mechanisms for ensuring coherence across water and energy policies;

    17. Calls on the Commission to put forward a comprehensive policy on sustainable water management for industry based on reducing, recovering, reusing and recycling, including a focus on the use of water-efficient and circular technologies, water recycling, pollutant reduction strategies and the promotion of closed-loop systems;

    18. Recalls that the growing threat of water scarcity is jeopardising industries and projects that are key to Europe’s competitiveness drive, including semiconductors, data centres, renewable hydrogen and electric vehicle battery production; notes that these industries will increasingly face pressure to reduce their environmental impact and improve water resource efficiency, including both direct and indirect water usage; calls on the Member States to support water-intensive industries in setting up water-efficiency plans aimed at saving, reusing and recycling water, preventing water pollution and implementing water-efficient technologies; calls on the Commission to incorporate comprehensive water management strategies into relevant EU industrial policies and sector-specific transition pathways, with a particular focus on strategic water-intensive sectors;

    19. Stresses that knowledge, data, research and technology are key for efficient water use; calls for adequate financial and technical support to be given to the Member States to implement efficient water management measures, including by means of innovative and modern technologies;

    20. Welcomes the recommendations of the final report of the Strategic Dialogue on the future of EU agriculture underlining that sustainable farming practices and new business models need to be scaled up to promote more efficient use of natural resources, especially water;

    21. Calls for the transition to a more sustainable and competitive farming model, assisted by the implementation of sustainable practices and innovative solutions that promote biodiversity, reduce chemical inputs and enable water resources to be managed efficiently, including nature-based solutions, regenerative management, smart precision irrigation technologies, digital monitoring systems, advanced treatment methods and smart water distribution networks, optimising consumption and preventing water resource depletion, and that help ensure continued productivity while enabling agriculture to reduce pollution, use pesticides and fertilisers efficiently, improve the hydrological cycle, enhance groundwater recharge and adapt to lower water use; considers that technological solutions can also include measures that can increase water absorption, infiltration and retention in agricultural systems, which are important amid increasing occurrences of both drought and heavy rains;

    22. Points out that innovative irrigation solutions and practices can enhance water efficiency in agriculture, gaining an economic advantage while also reducing environmental burdens; notes that farmers generally lack sufficient means and incentives to know about water use by crops, actual irrigation applications, the yield responses of crops to different water management practices, and thus current on-farm water-efficiency levels; calls on the Commission and the Member States to incentivise the uptake and support the maintenance of innovative irrigation solutions such as drip irrigation to allow for an active management of water levels and efficient use of water resources, as well as to promote continuous knowledge exchange, so that all relevant stakeholders can share greater responsibility across the entire water supply chain;

    23. Recommends better consideration of the nutrient cycle in agricultural production and the exploitation of the value in urban wastewater; calls for more research into the effective use of nutrients and the development of nutrient recovery technologies, in order to decrease the Union’s dependence on imported raw materials; recognises the high potential for nutrient recovery from water and calls on the Member States to support the agricultural sector to optimise their nutrient consumption including by using resources (nitrate and phosphorus) recovered from wastewater treatment plants; calls on the Commission to propose an integrated nutrient management action plan to effectively address loss of valuable agricultural inputs, recycling of nutrients, nutrient pollution and inefficiencies in the nutrient cycle;

    24. Emphasises, in line with the final report of the Strategic Dialogue on the future of EU agriculture, the need to support the transition to regionally adapted crop and seed varieties and the switch to different crops, with reduced water requirements and greater drought resistance, as well as the need to support the adoption of appropriate soil management practices; considers the need for stronger support for scientific research and technological development related to the breeding of new species, to enable the production and supply of foodstuffs to be diversified and their quality enhanced, while raising the level of protection for human health and the environment; notes the potential of plant varieties that are more resistant to water stress and pests and could play a role in reducing water use and could reduce the environmental footprint of crops;

    25. Calls for financial and technical support for farmers and rural communities, particularly in water-stressed areas, to help them adopt sustainable land management practices that improve soil and water quality, contribute to biodiversity and mitigate climate change; emphasises the need for special attention to be given to regions that are particularly vulnerable to soil degradation and water scarcity;

    26. Points to the success of the agricultural  European Innovation Partnership EIP‑AGRI and calls for the continuation of knowledge exchange, expertise and peer-to-peer learning via the EU’s Common Agricultural Policy (CAP) Network;

    27. Notes the links between carbon sinking and water availability, and calls for coherence between the water resilience strategy and carbon farming schemes;

    28. Reiterates that the Water Reuse Regulation aims at reducing the pressure on water bodies by setting out provisions on reusing water after appropriate treatment extends its life cycle, thereby preserving water resources; emphasises, however, that regulatory, financial and technological barriers, including the economic competitiveness of reclaimed wastewater, risk management planning and the sharing of responsibilities, contribute to the slow uptake of reuse of reclaimed water for agriculture; calls, therefore, on the Commission and the Member States to adopt supportive policies, at both the EU and the local level, that incentivise water reuse practices, taking into account the importance of adapting wastewater treatment and quality requirements to the intended water use; notes that treated wastewater also finds valuable applications in various industrial processes and urban contexts, contributing to reducing the pressure on freshwater resources and the conservation of drinking water; calls therefore on the Commission to assess a possible extension of the scope of the Water Reuse Regulation in order to establish, at EU level, minimum water quality standards for safe water reuse for industrial and urban purposes;

    29. Calls on the Commission and the Member States to specify systems of regulatory and financial incentives for the reuse of treated wastewater in water-intensive sectors and to provide specific funding for the construction of infrastructure connecting wastewater treatment plants and refined water distribution networks; urges a streamlined approach in EU legislation to remove administrative barriers and promote safe and efficient water recycling across the Member States; calls on the Member States to set up national water reuse and saving plans to incentivise cross-sectoral cooperation in water management;

    30. Reiterates that reused water could alleviate abstraction from rivers, lakes and groundwater for irrigated agriculture; underlines the fact that reused water can contribute to maintaining base flows and minimum water levels during dry periods;

    31. Highlights the potential of the building sector to save water, for example, with the help of smart sub-metering systems, efficient greywater systems, reuse of domestic wastewater or rainwater harvesting; stresses that the energy performance of buildings can be enhanced by water efficiency, reducing greenhouse gas emissions; calls on the Member States and local authorities to incentivise water-saving features in new buildings; stresses, in this regard, that water-efficient practices should be factored into urban planning; highlights the fact that harvesting rain water as well as using and reusing water efficiently can improve climate adaptation in cities;

    32. Calls for the transition, in industry and in the energy and digital sectors, to optimised cooling efficiency and alternative cooling methods that are less water-dependent, in order to ensure significant water savings in these sectors;

    33. Points out that, while households represent 10 % of the overall water consumption in the EU, action on improving domestic water efficiency is also necessary; notes that water-saving technological solutions are readily available and can reduce water consumption in households without compromising comfort or requiring high investment; calls on the Member States to support consumers in transitioning towards such technologies and to strengthen consumer awareness of water consumption and potential efficiency gains by anchoring domestic water efficiency in water, building and consumer policies across the EU;

    34. Notes that the leakage rates from pipes are high in some Member States, which increases the total share of domestic water consumption; welcomes the provisions of the new Drinking Water Directive on leakage rates and the ongoing work of the Commission to evaluate those rates and set threshold values that will trigger action in the Member States concerned; calls on the Member States to urgently tackle leakage in water supply networks and to fully implement the monitoring and reporting requirements of the Drinking Water Directive, so that the Commission can set a threshold value for leakage by January 2028; emphasises the need for sustainable urban irrigation networks to be modernised, to curb leakages and reduce their water footprint; calls on the Member States to regularly inform the public about the efficiency and effectiveness of their water supplies;

    35. Points out that public sector organisations provide significant untapped potential for saving water by virtue of their size or their nature as public organisations; believes that the public sector should act as a role model for other sectors;

    36. Calls on the Commission and the Member States to promote easily accessible and free information, training, advisory programmes and information campaigns aimed at raising public awareness of sustainable water resource management;

    37. Recommends that water-efficiency aspects, such as reductions in water loss and reuse of water, be integrated in the upcoming revision of the public procurement framework;

    Water pollution

    38. Underlines the fact that the existing EU water policy framework is designed to address the effective management of water resources and the protection and restoration of freshwater and marine ecosystems, but that its poor implementation and enforcement, insufficient funding and lack of proper cost-benefit analyses of the implementation measures undermine its effectiveness;

    39. Calls on the Commission and the Member States to implement and enforce the current legislation, in particular the WFD and its ‘daughter’ directives (the Groundwater Directive and the Environmental Quality Standards Directive), with a particular focus on strengthening the monitoring and reporting mechanisms to ensure that all Member States consistently implement the required water protection measures; recalls the need for sufficient funding to implement these acts;

    40. Stresses that the chemical pollution of surface water and groundwater poses a threat to the aquatic environment, with effects such as acute and chronic toxicity in aquatic organisms, accumulation of pollutants in the ecosystem and loss of habitats and biodiversity, as well as to human health;

    41. Calls for the establishment of a comprehensive EU-wide quality standard for PFAS totals in groundwater and surface water; stresses that respective updates of the relevant directives are essential for safeguarding water quality and achieving good chemical status for water bodies as mandated under the WFD;

    42. Insists that essential uses of PFAS, for example for medical devices, pharmaceuticals and products necessary for the transition to climate neutrality, are not endangered; calls on the Commission to propose to phase out forever chemicals (PFAS) in consumer goods with proven concerns for human health and the environment, and only where there are safe alternatives;

    43. Calls on the Commission to propose updated limits on PFAS in drinking water, taking into account the latest scientific knowledge;

    44. Emphasises the urgency of addressing, primarily at the source, and effectively monitoring pollution from pharmaceuticals, bisphenols, antimicrobial resistance genes, persistent organic pollutants and other existing and emerging pollutants, to align with the EU’s zero pollution ambition and the goal of achieving good chemical status for all water bodies;

    45. Calls on the Commission to close the gaps with enhanced funding and the enforcement of current laws, and the integration of circular economy principles to mitigate pollution at its source and safeguard water ecosystems for future generations; underscores the fact that antibiotic-resistant bacteria and certain emerging pollutants remain insufficiently addressed, necessitating further innovation and investment; emphasises the need for all sectors to apply sustainable production processes and circular practices, proactively preventing pollutants from entering water systems;

    46. Recalls that microplastics may enter drinking water sources in a number of ways: from surface run-off (for example, after a rain event) to wastewater effluent (both treated and untreated), combined sewer overflows, industrial effluent, degraded plastic waste and atmospheric deposition; calls on the Commission to put forward, in line with the requirements of the Drinking Water Directive, a full risk assessment of microplastics in drinking water, while continuously working on reliable and robust sampling and analytical methods in order to appropriately address the potential threat of this emerging pollutant to sources of water intended for human consumption;

    47. Emphasises the need to improve the monitoring and regulation of plastic pollution in freshwater and marine environments, with particular attention to microplastics and single-use plastics; encourages the Commission to assess current enforcement mechanisms and consider further measures to protect water quality;

    48. Calls on the stakeholders to develop safe water contact materials, to substitute BPA and other bisphenols and ensure compliance with Regulation (EU) 1935/2004 on materials and articles intended to come into contact with food[63] and the recently adopted provisions as regards the use of BPA and other bisphenols and bisphenol derivatives (Commission Regulation (EU) 2024/3190);

    49. Recalls that the revised Urban Wastewater Treatment Directive, in effect since 1 January 2025, imposes new obligations regarding water purification, requiring pharmaceutical and cosmetic producers to cover at least 80 % of the costs of removing micropollutants from wastewater, with the aim of reducing harmful substances in the environment;

    50. Calls for increased EU support for local authorities for the modernisation of wastewater treatment plants and the promotion of water reuse, to align with the EU’s zero pollution ambition, ensuring that municipal wastewater management contributes effectively to good chemical and ecological water status;

    51. Calls for increased monitoring of pesticide residues in water bodies and enforcement of pesticide application regulations to mitigate their impact on water quality; stresses the need for increased funding to support farmers in the adoption of low-input and organic farming practices that reduce reliance on chemical pesticides and fertilisers, as well as to provide appropriate training and independent advisory services to farmers and other operators on the use, effectiveness and toxicity of pesticides, as well as best practice;

    52. Insists on the integration of circular economy principles to reduce hazardous chemical use in industrial processes; stresses the need for additional funding to support industries in transitioning to clean technologies that minimise water pollution[64];

    53. Recognises the role of treated sludge as a local and circular source of fertiliser, contributing to soil health, nutrient recycling and reduced dependency on synthetic fertilisers; emphasises the importance of preventing PFAS, heavy metals, microplastics and other harmful substances from entering sewer networks in order to enable the safe and sustainable use of high-quality sewage sludge in agriculture;

    54. Calls on the Commission to include an overview of measures in an annex to the EWRS, with a timeline for achieving the objectives in question;

    Adaptation to climate change: floods, droughts, stress areas, disaster preparedness

    55. Calls for the climate adaptation proofing of all new EU legislative and non-legislative acts in order to ensure the integration of climate adaptation into sectoral plans and policy measures affecting water and land use; highlights, in this regard, the need for increased climate ambition as part of the fight against climate change, while urging the Member States to ensure that all climate adaptation measures affecting water use contribute to long-term, improved water resilience; calls on the Commission to take fully into account the geographical and environmental conditions in the Member States, as well as the specific situation of islands, outermost regions and other areas of high vulnerability, such as areas affected by desertification, when adopting new legislative and non-legislative proposals; asks the Commission to present a roadmap for current and ongoing legislative and non-legislative policy measures, including targets and monitoring requirements affecting water and land use;

    56. Emphasises the need for tailored climate adaptation measures for the Mediterranean region, which faces unique challenges such as prolonged droughts and saline intrusion into freshwater resources;

    57. Stresses the specific challenges faced by island areas due to the scarcity of drinking water and calls for targeted measures to protect island water resources, including improving rainwater collection and storage infrastructure, and implementing alternative water sources, while enhancing water resource monitoring and management systems; calls, further, on the Member States to take better account of mountainous regions in national adaptation plans in order to meet the specific challenges of water management in mountainous areas;

    58. Reiterates that climate change mitigation and adaptation solutions should not come at the cost of ecosystem degradation, and should avoid increasing the demand for water- and energy-intensive activities, and should instead prioritise energy- and water-efficient innovation and technologies as part of moving towards a more resource-efficient economy, without undermining its productivity, while ensuring equitable access to water for all; points out that, in order to be effective, climate change mitigation and adaptation solutions should be tailored to national circumstances, while enhancing competitiveness and productivity in the short and long term; points out the possibilities of synergies, in this regard, with innovative energy production such as photovoltaics and biogas, as it can also contribute to an increase in agricultural income;

    59. Recognises the importance of reserving water for nature and the need to maintain healthy freshwater ecosystems, for the good functioning of the water cycle, for human activities and for mitigating the impacts of droughts and water scarcity; underlines, in the context of restoring freshwater ecosystems and the natural functions of rivers, the importance of removing ‘obsolete barriers’, namely artificial barriers that no longer fulfil their original purpose or are no longer needed, wherever such opportunities exist, on the basis of current knowledge and experience; calls for the establishment of specific programmes for the cleaning and conservation of river channels, ensuring minimum flow and reducing the accumulation of debris and sediment that can affect water storage and distribution capacity;

    60. Insists that, with climate change impact becoming more persistent, flood and drought management must fully integrate the arising risks, including changing weather patterns, such as increased rain patterns leading to excess of water; is convinced that a combination of monitoring and data collection, preparedness, emergency and recovery responses taking into account the principle of ‘building back better’[65]on the one hand, and adapting societal and economic activities on the other, is essential to reduce vulnerability and increase resilience, especially in the light of the quantitative aspect of water becoming more prominent; stresses, in this regard, the need for climate-resilient nature-based solutions and infrastructure that take into account the impact of extreme climate events in their development to ensure their viability in the face of extreme climate events;

    61. Recalls that in 2007, the WFD was supplemented by Directive 2007/60/EC on the assessment and management of flood risks, which aims to establish a framework to reduce the adverse consequences of flooding on human health, the environment, cultural heritage and economic activity; notes that making the two directives mutually compatible is achieved through risk management plans and river basin flood management plans as the components of an integrated water management system in which coordination is crucial; recalls that flood prevention is closely connected to urban green spaces, soil protection strategies and investment in drainage networks;

    62. Stresses that preparedness for water scarcity and drought can be significantly improved in the EU, considering that no drought management plans are in place in several Member States[66]; calls on the Member States and, where applicable, competent regional and local authorities, to develop drought management plans, particularly with a view to ensuring the provision of drinking water, ensuring food production and integrating digitalised monitoring, control and early warning systems in order to support effective and data-based decisions on protection, response and communication measures with clearly defined areas of responsibility; points out the need to introduce EU-level provisions as regards drought management plans, similar to the ones on flood management plans;

    63. Insists, in view of the numerous climatic events, such as floods, droughts and cyclones, which have affected Europe, on the importance of the EU having a robust mechanism for responding to such crises, including systems for warning and providing assistance to the civilian population; points out that digital monitoring, adequate public display of relevant data and early warning systems are key to developing effective drought and flood management plans at the level of the Member States; emphasises, further, the importance of fully using the available EU tools, such as the flood forecasts of the European Flood Awareness System and the Global Flood Awareness System, and the Global Flood Monitoring tool, as part of the Copernicus Emergency Management Service;

    64. Stresses the importance of the Union Civil Protection Mechanism (UCPM) in helping countries hit by water-related disasters such as flood and droughts; calls for increased funding to provide the UCPM with sufficient and upgraded resources in order to increase preparedness and improve capacity building;

    65. Calls on the Commission and the Member States to enhance citizen preparedness in the event of water-related disasters or crisis; stresses the importance of information campaigns and demonstration exercises in education facilities, public administration and businesses in order to build a ‘preparedness culture’ for citizens;

    66. Calls on the Member States to systematically renew and upgrade their water infrastructure, including drinking water and sanitation infrastructure, as well as infrastructure regulating river flows, and to invest in innovative solutions based on good practice, making water systems more resilient to climate change, ensuring stable drinking water supply, enabling the early detection of losses and reducing water leakages and waste, while optimising water transport and storage systems; highlights the fact that funding for innovative water infrastructure is insufficient compared to the investment needs across the EU; calls, in this regard, for dedicated funding, on national, regional or EU level, to ensure adequate financing for the development, maintenance and modernisation of water-resilient infrastructure, to foster innovative solutions and technologies and ensure long-term sustainability of that water infrastructure;

    67. Regrets that, despite the threat that desertification poses to water quality and availability, soil fertility and food production, and despite the fact that 13 Member States have declared themselves to be affected by desertification in the context of the United Nations Convention to Combat Desertification, the Commission is not addressing desertification effectively and efficiently; urges the Commission, therefore, in line with the Council conclusions of 14 October 2024 on desertification, land degradation and drought, to present an integrated EU-wide action plan to combat desertification, land degradation and drought, aiming at building resilience to drought and achieving land degradation neutrality in the EU by 2030, based on a full impact assessment;

    68. Calls on the Member States to create natural water reserves based on up-to-date assessments of climate risks to protect critical water supplies and their catchments, and taking into consideration the environmental and socio-economic impact of developing such reserves; points out that such natural water reserves would complement the WFD’s requirement for Member States to identify water bodies used for drinking water abstraction, making sure they meet the objectives set out in Article 4 WFD and in the Drinking Water Directive, and would ensure their necessary protection; notes that such natural water reserves already exist under different forms in various Member States; stresses that assistance should be given to Member States or local and regional governments to help them develop natural water reserves;

    69. Notes the potential of retention infrastructure as an example of water generation systems created using the best available, cost-effective techniques that have the lowest environmental impact, including by means of wastewater reuse or rainwater collection, in order to reduce the risks of droughts and floods, increase water security and foster circularity, water reclamation and reuse; believes that water retention facilities may be useful tools provided that they are authorised by local or national authorities under clear conditions, including the capacity of local groundwater to sustain such activities and the need for farmers accessing the water resource to adapt their practices to more sustainable practices, in particular in terms of water needs and water quality; calls on the Commission to use its available tools, including financial support, to streamline this approach among the Member States;

    70. Deplores the unlawful or intentional abstraction of water, which is likely to cause substantial damage to water bodies; calls for strong dissuasive measures to be applied, including through the criminal law, to protect the ecological status or the ecological potential of surface water bodies or of the quantitative status of groundwater bodies; notes that additional support for training and knowledge transfer for national enforcement capacities is needed;

    71. Notes the important cross-cutting role of nature-based solutions in addressing the challenges of the triple planetary crisis and restoring the natural water cycle; calls on the Commission and the Member States to prioritise, taking into account the environmental and socio-economic impacts, the deployment of nature-based solutions for water resilience in their policy actions and recommendations, such as the re-wetting of wetlands and peatlands to increase ground water availability and surrounding soil moisture, the restoration and protection of floodplains, natural water retention measures, revegetation as a barrier against floods, and rainwater conservation, in order to strengthen water availability, mitigate climate change risks and support long-term resilience for communities, businesses and food production; underlines that, in addition to nature-based solutions, complementary investment in engineering solutions remains necessary to ensure successful climate adaptation and water resilience in the long term;

    Funding and pricing

    72. Notes that nature-based solutions and natural water retention measures have the potential to restore groundwater levels and support ecological flows while reducing water-related risks from water scarcity, floods and droughts; notes that in flood management, nature-based solutions cannot usually replace existing solutions and may not be effective for the most extreme events; points out, however, that nature-based solutions can enhance the effectiveness and operable life of grey infrastructure by increasing water absorption capacity, reducing water velocity and regulating peak flows; reiterates, in this regard, that the effectiveness of nature-based solutions is context-specific and must be adapted to the local situation; emphasises in this regard that a ‘one solution that fits all’ does not exist;

    73. Stresses the need to provide financial support for sustainable innovative methods and solutions, while having due regard to public-private partnerships;

    74. Stresses, in the context of climate adaptation, the importance of healthy soils in ensuring water security and circularity; emphasises that the natural water retention of soils must be improved through measures to enhance soil health, minimising carbon losses, as well as actions at the level of the water body, such as the stabilisation of riverbanks, including through re-naturalisation, and the restoration of the retention capacities of aquifers;

    75. Notes that thoroughly designed forest management measures can improve watershed health, regulate water flow and reduce drought and flood stress, given the essential role of trees and forests in water cycle regulation, through their ability to purify water, increase the availability of water resources and improve soil moisture retention; proposes that this be duly considered when the Commission, in cooperation with the Member States, develops Union disaster resilience goals and that it be considered in the development and refinement of disaster risk management and contingency planning; highlights the need, in this regard, for more research, data collection, innovation and funding to support land managers in preventing the impact of environmental stressors such as drought floods and diminishing watershed function;

    76. Recognises that urban areas are increasingly vulnerable to water-related climate risks such as flooding, water shortages and heat stress; calls for the integration of urban water resilience planning into climate adaptation strategies, including investment in green roofs, permeable infrastructure, rainwater harvesting and storm water retention systems, as well as measures aimed at increasing green and blue spaces in urban areas, in order to mitigate extreme weather impacts and to reduce the risks to human life and property; calls further for the maintenance of, and regained access to, urban waterways in cities;

    77. Emphasises that the EWRS should ensure adequate funding from public and private sources in order to support the modernisation, upgrading, adaptation and maintenance of resilient water infrastructure, sustainable water management, data collection, research, effective monitoring, digitalisation, upskilling, nature-based solutions, the development and the uptake of innovative water-efficient technologies, as well as to ensure environmental and socio-economic sustainability in line with the goals set by the new European Competitiveness Compass;

    78. Calls on the Commission to create a separate and dedicated fund for water resilience within the upcoming MFF; believes that specific financial mechanisms should also be established within the European Regional Development Fund and the Cohesion Fund to support water-smart technologies and water investment; strongly believes that, in the interim, water should be prioritised in existing funding frameworks, including the Cohesion Fund; stresses that EU funding mechanisms must incorporate considerations of social equity and affordability, in particular in the context of providing water services to the population, ensuring support for Member States and citizens with greater financial constraints and specific realities, while meeting water management obligations; highlights the importance of adjusting existing funding, subsidies and financing streams related to water management and other related land uses, moving away from outdated engineering solutions to innovative ones, as well as nature-based solutions or a combination thereof;

    79. Calls for targeted funding, via Horizon Europe and the EIP-AGRI, for field trials on the water relations of different cropping systems; calls for the recognition of the role of women in water policies and for specific funding to be identified to promote their access to agriculture;

    80. Recalls that the lack of dedicated funding for water or binding funding targets within the current MFF limits the EU’s capacity to direct targeted investment towards essential water resilience measures, including infrastructure modernisation, innovation, climate adaptation measures and the implementation of nature-based solutions, and thus its competitive capacity, as the absence of a water balance creates an additional burden for the economy of the regions; notes that outermost and mountainous regions and islands in the EU are particularly struggling to access funding or public-private partnerships to support local and regional investment in water management and infrastructure;

    81. Stresses the important role of the European Investment Bank (EIB) in water financing; highlights the fact that the EIB is actively investing in and supporting the water sector; stresses that the EU should collaborate with the EIB to share best practice and calls, further, on the EIB and other financial institutions to strengthen their role in the funding of innovative and resilient water infrastructure, improved sanitation and drinking water infrastructure, digitalisation, as well as to support projects aimed at flood risk reduction, erosion prevention and the revitalization of watercourses, by facilitating favourable conditions for water investment;

    82. Urges the Commission to explore and promote innovative financing mechanisms, including payments for ecosystem services and green bonds, while ensuring regulatory clarity and safeguards to prevent market distortions; calls on the EIB and other financial institutions to prioritise low-interest loans and credits for Member States and regional and local authorities undertaking large-scale restoration projects, with specific provisions to support economically disadvantaged regions;

    83. Highlights the importance of public-private partnerships as a source of funding for water investment; calls on the Commission to incentivise private investment in the water sector by creating a supportive regulatory framework that may include co-financing opportunities and public-private partnerships in order to drive innovation, improve infrastructure and ensure sustainable water management solutions across the Member States; underlines, nevertheless, that the involvement of private investment in the EU water sector must not undermine the status of water as a public good and a public service, and that the long-term resilience of the sector, as well as the principles of accessibility, affordability and sustainability must be ensured;

    84. Calls on the Member States to adopt governance frameworks that clearly define the roles and responsibilities of stakeholders in planning, financing and implementing nature-based solutions; believes that these frameworks should integrate funding from diverse sources, including philanthropic contributions and private-sector partnerships, while ensuring equitable access to resources for small-scale projects, particularly managed at local or regional levels;

    85. Urges the Commission and the Member States to address water aspects in their budgets and to improve governance within the regions in the use of EU funds;

    86. Underlines the need to provide targeted financial and technical assistance to municipalities to facilitate compliance with water-related legislation;

    87. Encourages the Member States to accelerate the granting of authorisations for sustainable and innovative resilient water infrastructure projects to enable their rapid implementation in the face of the urgent challenges;

    88. Notes that the application of the cost recovery principle on water services, which provides that all water users effectively and proportionately participate financially in the recovery of the costs of water services, remains low to non-existent in several Member States; calls on the Member States and their regional authorities to implement adequate water pricing policies and apply the cost recovery principle for both environmental and resource costs in line with the WFD; calls on the Member States to take into account the long investment cycles when implementing the cost recovery principle and to ensure sufficient funding is available for needed (re)investment;

    89. Stresses the importance of ensuring that water pricing supports long-term water security by reflecting the economic, environmental and resource costs of water use; encourages the Member States and competent regional and local authorities to ensure that water pricing is economically sustainable, socially fair and promotes efficient water use, and that it reflects the availability of water across different Member States and regions, particularly in water-stressed regions, while safeguarding affordability for households and small businesses; calls on the Member States and competent regional and local authorities to insure transparent water prices and to raise awareness of the value of water services;

    90. Points out that competent national water authorities will play a central role in implementing new water management and conservation plans at the level of the Member States; calls, therefore, on the Members States to financially and technically increase the capacity of those competent authorities to play a more significant enabling and advisory role in sustainable and future-proof water management and storage infrastructure; believes that EU funds, such as the Just Transition Fund, should be used to further assist Member States and water agencies in implementation;

    Digitalisation, security and technological innovation

    91. Stresses the potential and the necessity for digitalisation and AI in improving the management and monitoring of bodies of water and water infrastructure, as well as in reporting and ensuring the comparability of data reflecting different geographical flow conditions;

    92. Calls on the Commission, the Member States and water providers to mainstream transparency and digitalisation as fundamental principles in water management and to enhance the use of management and metering data, with the aim of strengthening  monitoring, assessment, accountability and decision-making, while optimising and simplifying reporting obligations; calls for digitally enabled water technologies to facilitate real-time, sample-based and distance monitoring and reporting on water quality, leakages, usage and resources; calls for improved efficiency in the use of public funds and public spending in this area; recognises that widespread deployment of innovative digital technologies needs to be accompanied by digital skills training;

    93. Emphasises the need to promote digitalisation and data-centric solutions in building a water-smart society; stresses the need to develop digital solutions for monitoring water consumption and optimising the use of water resources across all sectors; calls on the Commission, in cooperation with the Member States, to provide financial support for the implementation of smart water management systems, focusing on the needs of small and medium-sized enterprises (SMEs);

    94. Points out that water systems, including water treatment and distribution systems, are considered one of the nation’s critical infrastructures and security pillars, and hence key for the EU’s strategic autonomy, and require increased protection and the ability of utilities to detect, respond to, and recover from physical and cyberthreats and cyberattacks; notes that a higher level of digitalisation comes with new vulnerabilities; points out that, in the event of a threat or an attack, water system operators can lose their ability to control the flow and quality of the water or lose the ability to track the true status of the water system; insists that vulnerability assessments and an emergency response plan should be an integral part of the water management system in every Member State; encourages the promotion of information sharing about threats to cybersecurity and procedures to exchange best practice among operators, as well as to establish a cybersecurity culture through technical security measures, competence building and awareness creation and communication; draws attention to the measures and provisions in the NIS2 Directive and the Critical Entities Resilience Directive which could help mitigate the arising security risks; calls on the Commission to take the lead in reinforcing the EU-level coordination formats and to propose effective tools in the upcoming Preparedness Union Strategy with the aim of ensuring timely preparedness to tackle environmental and non-environmental risks to the water bodies that are threatening the EU’s overall security;

    95. Calls on the Commission and the Member States to increase the involvement of women in decisions regarding water resilience; calls for the adoption of a methodological approach that effectively considers gender-related needs in the implementation of water supply projects, by implementing monitoring, reporting and tracking that use tools and indicators disaggregated by gender;

    96. Notes that better data and data analysis are key to evidence-based decision-making and the swift identification of small changes in water quality that could present a threat to bodies of water, together with the evaluation of best practice and identification of the most cost-effective and impactful measures;

    97. Stresses that improved, reliable and interoperable data on water supply, demand, distribution, accessibility and use are needed and that data points need to be established; urges the Commission and the Member States to enhance data collection and improve data interoperability across all levels to support the implementation of current water legislation, as well as to facilitate circular economy and water-smart industrial symbiosis strategies; highlights the fact that data and AI could be used in modelling water and energy consumption as well as reuse and recycling capacities;

    98. Calls on the Commission to better recognise the fundamental role of the water sector in bolstering EU competiveness by fostering research and innovation and promoting entrepreneurship and talent; emphasises, in this regard, the importance of ramping up innovation in the water sector; points out that the European Innovation Centre for Industrial Transformation and Emissions, created as part of Directive 2010/75/EU, could play a role in this regard, as it evaluates the environmental performance of industrial technologies and gathers information on innovative industrial environmental techniques; points, further, to existing partnerships like the Water4All Partnership, a funding programme for scientific research;

    99. Believes that there is a need to build and nurture multi-stakeholder platforms to promote innovation uptake at all levels, local and national; recommends that these platforms involve a wide range of participants – the public and private sectors, and civil society associations – to build a coalition of partners to bring about change; supports the promotion of knowledge sharing on how digital water technologies can support the implementation of existing EU water legislation, as well as capacity building at local, regional and national levels; calls on the Commission and the Members States to expand digital skills, and research and development (R&D) programmes targeting water, including through collaboration with universities, research centres and SMEs;

    100. Acknowledges the critical role of data centres in the digital economy; notes with concern that the rapid expansion of the technology could lead to a substantial increase in AI’s demand for water resources associated with their operations, which could undermine the environmental benefits that AI promises to deliver, such as resource optimisation and carbon emission reductions, and stresses the need to integrate water efficiency measures in their design and operation; urges the Commission to address the use of water resources by information and communications technologies (ICT) and, in particular, by AI and data centres in its EWRS, in particular by encouraging data centres to reuse treated water and to promote the design of more efficient chips and components to reduce the need for cooling; recommends that the Member States prioritise water resilience strategies that address the specific challenges posed by data centres to ensure the sustainability of both the digital and the environmental agendas;

    101. Recalls that seawater desalination is the process of removing salt from sea or brackish water to make it useable for a range of ‘fit for use’ purposes, including drinking, and that it is thus an important technological solution for people’s livelihoods; notes that, at the same time, desalination is an energy-intensive process and should ideally be done using renewable energy, whenever possible, in order to minimise environmental impacts; reiterates that desalination produces a by-product, brine (a concentrated salt solution), that must be properly disposed of to avoid adverse impacts on the marine environment; considers, therefore, that desalination based on reverse osmosis or thermal technologies should be applied, if other more environmentally sustainable options are not available or cannot be implemented, particularly in remote areas and islands; highlights, in this regard, the ongoing work on new technological solutions, such as microbial desalination cells, offering an environmentally sustainable and innovative alternative to traditional desalination methods, particularly to provide clean water and wastewater treatment to small, isolated locations without electricity;

    102. Stresses the need for increased funding and R&D into technologies such as innovative desalination techniques in order to increase the efficiency, sustainability and the scaling up of such technologies; calls for research into the possibilities of using such technologies in agriculture to diversify the water supply points and therefore decrease the vulnerability of the sector to water stress;

    103. Notes that in the last decade, there have been many scientific breakthroughs for making water treatment smarter and more circular, with these solutions offering opportunities for using digital solutions, AI and remote sensing to use water more efficiently and by reusing treated wastewater for irrigation and recovering energy and nutrients from wastewater;

    104. Calls on the Commission and the Member States to address the regulatory obstacles within the single market to facilitate the development, scaling-up, and placing on the market of innovative biotechnology and biomanufacturing solutions and the promotion of cleaner manufacturing and circularity;

    105. Calls for the funding, development and authorisation of innovative solutions for crop protection and fertilisation, including biological control agents and active substances with lower impact on the environment, which are needed for a just transition to more sustainable agricultural systems;

    106. Calls for specific programmes to be established for the cleaning and conservation of river channels, ensuring adequate flow and reducing the accumulation of debris and sediment that can affect water storage and distribution capacity;

    Cross-border and international cooperation

    107. Stresses the need for a comprehensive EWRS that fosters cross-border cooperation, more uniform data collection and reporting, sharing best practice between local, regional and national actors, ensuring sustainable water management and equitable resource distribution among the Member States, preventing water challenges such as scarcity and flood risk from being passed on to other Member States;

    108. Emphasises that climate change represents a major threat to water resources and aquatic ecosystems; notes that floods and water scarcity compromise food and water security and the health of the general population, ultimately affecting social cohesion and stability; recognises that water resilience is crucial for preventing and addressing current and future health, food, energy and security crises; emphasises that water resilience promotes transboundary water cooperation, serving as a catalyst for peace and security, as countries are interconnected through shared rivers and groundwater resources;

    109. Calls for increased cross-border cooperation between the Member States in the management of shared river basins and groundwater aquifers and in the effective collection and sharing of data on water quality, pollution levels and water levels; recommends the establishment of regional cooperation centres to coordinate the implementation of joint water resilience strategies, taking into account the climate, social and economic challenges of each territory;

    110. Calls for enhanced international cooperation, including at the level of river basins, to address the growing water crisis, ensure clean and high-quality water, promote sustainable water management and implement various innovative water technologies, including nature-based solutions; calls for the anchoring of cooperation across borders at operational, tactical and strategic levels;

    111. Calls for the establishment of cross-border projects under Interreg and other EU funds to improve regional cooperation in the management of water resources, with a particular focus on ensuring the fair distribution of water between sectors and Member States;

    112. Stresses the need to strengthen EU monitoring capacities through digitalisation and modern technologies, including satellite surveillance and real-time pollution tracking, which are essential for preventing and combating cross-border pollution;

    113. Urges the Commission to implement a specific diplomatic role dedicated to resolving water-related conflicts, promoting water cooperation and protecting water sources and systems, particularly during armed conflicts and in transboundary contexts;

    114. Urges the EU to lead international efforts to protect and restore water ecosystems in line with the SDG 6 on clean water and sanitation;

    °

    ° °

    115. Instructs its President to forward this resolution to the Council and the Commission.

    MIL OSI Europe News –

    April 24, 2025
  • MIL-OSI Europe: RECOMMENDATION on the draft Council decision inviting Member States to accept, in the interest of the European Union, the amendments to the International Health Regulations (2005) contained in the Annex to Resolution WHA77.17 and adopted on 1 June 2024 – A10-0064/2025

    Source: European Parliament

    PR_NLE-AP_LegAct

     

     

    Symbols for procedures

     * Consultation procedure

     *** Consent procedure

     ***I Ordinary legislative procedure (first reading)

     ***II Ordinary legislative procedure (second reading)

     ***III Ordinary legislative procedure (third reading)

     

    (The type of procedure depends on the legal basis proposed by the draft act.)

     

     

     

    CONTENTS

    Page

    DRAFT EUROPEAN PARLIAMENT LEGISLATIVE RESOLUTION

    EXPLANATORY STATEMENT

    ANNEX: ENTITIES OR PERSONS FROM WHOM THE RAPPORTEUR HAS RECEIVED INPUT

    PROCEDURE – COMMITTEE RESPONSIBLE

    FINAL VOTE BY ROLL CALL BY THE COMMITTEE RESPONSIBLE

    DRAFT EUROPEAN PARLIAMENT LEGISLATIVE RESOLUTION

    on the draft Council decision inviting Member States to accept, in the interest of the European Union, the amendments to the International Health Regulations (2005) contained in the Annex to Resolution WHA77.17 and adopted on 1 June 2024

    (17046/2024 – C10‑0005/2025 – 2024/0299(NLE))

    (Consent)

    The European Parliament,

    – having regard to the draft Council decision (17046/2024),

    – having regard to the request for consent submitted by the Council in accordance with Article 168(5) and Article 218(6)(a), sub-points (iii) and (v), of the Treaty on the Functioning of the European Union (C10‑0005/2025),

    – having regard to Rule 107(1) and (4) of its Rules of Procedure,

    – having regard to the recommendation of the Committee on Public Health (A10-0064/2025),

    1. Gives its consent to the draft Council decision;

    2. Instructs its President to forward its position to the Council and the Commission.

    EXPLANATORY STATEMENT

    The International Health Regulations (2005) are the primary instrument under international law to notify the World Health Organization (WHO) of disease outbreaks, and defining the Parties’ rights and obligations in handling public health events and emergencies that have a cross-border potential. They are legally binding for 196 countries.

    In light of the experience of the COVID-19 pandemic, in January 2022, the Executive Board of WHO, through decision EB150(3), urged Member States to take all appropriate measures to consider potential amendments to the International Health Regulations (2005), to strengthen the global preparedness and response capacity to public health emergencies.

    Amongst other, the amendments have introduced a “pandemic emergency”, which constitutes the highest level of global alert that the Director-General may issue.

    They imply the issuance of Temporary Recommendations to States Parties – which, by definition, are not legally binding – to guide them in preparing for and responding to the Public Health Emergency of International Concern (PHEIC). They also enshrine the principle of solidarity and equity through increased cooperation between the Member States themselves, as well as with WHO, and set up a coordinating financial mechanism for more efficient use of funds to build up the core capacities needed for the IHR. 

    Countries are better supported by WHO when investigating undetermined disease outbreaks and the WHO’s publication of information on events that threaten public health is simplified. Furthermore, the amendment package includes provisions on possible recommendations by WHO on the availability and distribution of relevant healthcare products, the maintenance of essential supply chains, the travel possibilities by healthcare staff, and the possibility of using digital proof in healthcare crises.

    This Decision does not make use of the possibility for the Union to exercise its external competence concerning areas in relation to which Union rules do not already exist. The Member States remain competent in respect of the matters covered by the amendments, as far as the amendments do not affect Union rules or alter the scope thereof, including foreseeable future developments of those rules. In addition, Member States remain solely responsible for the definition of their health policy and for the organisation and delivery of health services and medical care, in accordance with Article 168(7) TFEU. Furthermore, this Decision does not create additional financial obligations for Member States. None of the amendments is contrary to Union law, and it is therefore not necessary to make reservations in respect of the amendments falling within the competence of the Union.

    The Union needs to be ready for more effective independent actions, but needs to also be ready to cooperate with international partners. Only within the framework of international cooperation, future global health threats can be prevent and mitigated effectively.

    The Rapporteur welcomes the finalization of the IHR amendments negotiations by the Commission, and supports the Council Decision inviting Member States to accept, in the interest of the European Union, the amendments to the International Health Regulations (2005).

    ANNEX: ENTITIES OR PERSONS FROM WHOM THE RAPPORTEUR HAS RECEIVED INPUT

     

    The rapporteur declares under his exclusive responsibility that he did not receive input from any entity or person to be mentioned in this Annex pursuant to Article 8 of Annex I to the Rules of Procedure.

     

    PROCEDURE – COMMITTEE RESPONSIBLE

    Title

    Amendments to the International Health Regulations contained in the Annex to Resolution WHA77.17 and adopted on 1 June 2024

    References

    17046/2024 – C10-0005/2025 – 2024/0299(NLE)

    Date of consultation or request for consent

    28.1.2025

     

     

     

    Committee(s) responsible

    SANT

     

     

     

    Rapporteurs

     Date appointed

    Adam Jarubas

    19.2.2025

     

     

     

    Discussed in committee

    19.3.2025

     

     

     

    Date adopted

    9.4.2025

     

     

     

    Result of final vote

    +:

    –:

    0:

    27

    8

    0

    Members present for the final vote

    Christine Anderson, Vytenis Povilas Andriukaitis, Bartosz Arłukowicz, Monika Beňová, Stine Bosse, Marie-Luce Brasier-Clain, Laurent Castillo, Veronika Cifrová Ostrihoňová, Christophe Clergeau, Margarita de la Pisa Carrión, Ondřej Dostál, Viktória Ferenc, Martin Häusling, Romana Jerković, Ondřej Knotek, András Tivadar Kulja, Peter Liese, Ignazio Roberto Marino, Tilly Metz, Letizia Moratti, Elena Nevado del Campo, Michele Picaro, Jessica Polfjärd, Oliver Schenk, Tomislav Sokol, Dario Tamburrano, Laurence Trochu, Vlad Vasile-Voiculescu, Tiemo Wölken

    Substitutes present for the final vote

    Valérie Deloge, Marta Temido, Ingeborg Ter Laak, Kristian Vigenin

    Members under Rule 216(7) present for the final vote

    Sakis Arnaoutoglou, Sandra Gómez López

    Date tabled

    14.4.2025

     

    MIL OSI Europe News –

    April 24, 2025
  • MIL-OSI USA: Peters Joins Colleagues in Demanding Answers About Closure of Michigan’s Regional Head Start Office

    US Senate News:

    Source: United States Senator for Michigan Gary Peters
    WASHINGTON, D.C. – U.S. Senator Gary Peters (MI) joined a group of his Senate colleagues in demanding answers about the closure of five regional Head Start Offices across the country, including Chicago’s Region 5 office which serves Michigan’s Head Start centers. In a letter to U.S. Secretary of Health and Human Services Robert F. Kennedy Jr., Peters made clear that this decision will negatively impact the early educational programs that children and families depend on, while also cutting jobs for dedicated educators.  
    “This announcement – which contained no guidance for grantees in impacted regions – has created confusion and chaos for Head Start centers, employees, and families across various states, including those in Region 5 (Illinois, Indiana, Michigan, Minnesota, Ohio, and Wisconsin),” Peters and his colleagues wrote.  
    The Head Start program serves in-need children and their families across both rural and urban communities in Michigan. There are currently 620 Head Start centers operating in Michigan, with capacity to serve more than 20,500 children ages 3 to 5 in Head Start programs and close to 7,000 enrollees in Early Head Start programs.  
    “Head Start centers run on tight budgets, and without a regional office, grantees will not be able to receive approval to draw down funds, forcing many to consider laying off staff—or even shuttering their doors,” the senators wrote. 
    They continued: “This will have devastating effects for children, families, child care workers, and the economy if children fail to receive care, child care staff lose their jobs, and parents cannot go to work.” 
    Peters concluded the letter by demanding answers about how the closure of the Region 5 office in Chicago will impact Head Start grantees across Michigan and families that rely on this program. 
    A copy of the letter is available here.  

    MIL OSI USA News –

    April 24, 2025
  • MIL-OSI Asia-Pac: LegCo Subcommittee on Promoting the Development of Hong Kong into an International Education Hub visits Hong Kong Metropolitan University (with photos)

    Source: Hong Kong Government special administrative region

    The following is issued on behalf of the Legislative Council Secretariat:

         The Legislative Council (LegCo) Subcommittee on Promoting the Development of Hong Kong into an International Education Hub visited the Hong Kong Metropolitan University (HKMU) today (April 23) to learn about the important role played by vocational and professional education and training (VPET) in developing Hong Kong into an international post-secondary education hub. Being Hong Kong’s first university of applied sciences (UAS), the HKMU offers a range of VPET programmes that blend theory and practice.

         Accompanied by the Under Secretary for Education, Dr Jeff Sze, Members first visited the Chemical and Microbiological Testing and Certification Laboratory and the Physical and Mechanical Testing and Certification Laboratory at the Jockey Club Campus of the HKMU. They received a briefing by the HKMU representatives on how the laboratories’ equipment and technology help equip students with the necessary skills for future employment.

         Members then visited the Digital Virtual Dissection System and the Clinical Simulation Education Units at the Jockey Club Institute of Healthcare of the HKMU. They gained a better understanding of how the HKMU employs cutting-edge technologies to provide advanced and interactive nursing skills training for students.

         During the visit, Members exchanged views with the HKMU Vice President (Strategic Initiatives), Professor Alan Au, and non-local student representatives on issues such as the development of UAS and VPET, learning experience of non-local students at the HKMU and promotion of the “Study in Hong Kong” brand to Mainland and overseas institutions.

         Members who participated in the visit were the Chairman of the Subcommittee Mr Tang Fei, Subcommittee members Professor Priscilla Leung and Mr Lam Chun-sing; as well as non-Subcommittee member Mr Edmund Wong.

            

    MIL OSI Asia Pacific News –

    April 24, 2025
  • MIL-OSI Asia-Pac: CHP investigates severe paediatric case of COVID-19 co-infected with human metapneumovirus

    Source: Hong Kong Government special administrative region

    The Centre for Health Protection (CHP) of the Department of Health today (April 23) received a report of a case of severe paediatric COVID-19 and human metapneumovirus (hMPV) infection and reminded the public to observe personal, hand and environmental hygiene at all times. High-risk individuals should receive a COVID-19 vaccination as soon as possible and receive booster doses at appropriate times to minimise the risk of serious complications and death after infection.
          
    The case involves an eight-month-old girl with good past health, who developed a fever and runny nose since April 19 and sought medical attention from a private doctor the next day. She developed cough and shortness of breath on April 21 and sought medical attention from another private doctor. She attended the Accident and Emergency Department of Hong Kong Adventist Hospital – Tsuen Wan on April 22 and was transferred to the Paediatric Intensive Care Unit of Princess Margaret Hospital for treatment on the same day. Her respiratory specimen tested positive for SARS-CoV-2 virus and hMPV upon laboratory testing. The clinical diagnosis was COVID-19 co-infectedwith hMPV complicated with croup. She is still hospitalised and is in critical condition.
          
    A preliminary investigation revealed that the patient had not received COVID-19 vaccine and had no travel history during the incubation period. Two of her household contacts had presented with respiratory symptoms and had recovered.
          
    “There has been a recent increase in the activity of COVID-19 in the local community. In the past few weeks, the load of SARS-CoV-2 virus from sewage surveillance, the laboratory test positivity rate and the consultation rate of COVID-19 cases in general out-patient clinics have continued to rise. As of April 12, the viral load per capita of SARS-CoV-2 virus was around 390 000 copy/litre, which was significantly higher than the week ending March 15 previously, when it was 85 000 copy/litre,” said the Controller of the CHP, Dr Edwin Tsui.
          
    “Genetic analysis has shown that the predominant circulating strains in Hong Kong are still JN.1 and its related variants, and the vaccines currently used in Hong Kong can effectively prevent the related variants. Scientific data shows that timely booster doses of the COVID-19 vaccine for high-risk persons help lower the risk of severe illness and death. Members of the public who have not received the initial dose of the COVID-19 vaccine (including infants and children) should get vaccinated as soon as possible. Those at high risk (particularly the elderly and persons with underlying comorbidities) should receive a booster dose as soon as possible for effective prevention against COVID-19,” Dr Tsui added.
          
    Persons with hMPV infection can present with symptoms such as fever, cough, difficulty in breathing or shortness of breath etc. hMPV infection may progress to bronchiolitis or pneumonia. hMPV infection can occur all year round and is more common in late spring and summer locally in general.

    Apart from vaccination, in order to prevent COVID-19, influenza, hMPV infection, and other respiratory illnesses as well as transmission in the community, the public should maintain strict personal and environmental hygiene at all times and note the following:
          

    • Patients can wear surgical masks to prevent transmission of respiratory viruses. Therefore, it is essential for persons who are symptomatic (even if having mild symptoms) to wear a surgical mask;
    • High-risk persons (e.g. persons with underlying medical conditions or persons who are immunocompromised) should wear surgical masks when visiting public places. The general public should also wear a surgical mask when taking public transport or staying in crowded places. It is important to wear a mask properly, including performing hand hygiene before wearing and after removing a mask;
    • Avoid touching one’s eyes, mouth and nose;
    • Practise hand hygiene frequently, wash hands with liquid soap and water properly whenever possibly contaminated;
    • When hands are not visibly soiled, clean them with 70 to 80 per cent alcohol-based handrub;
    • Cover the mouth and nose with tissue paper when sneezing or coughing. Dispose of soiled tissue paper properly into a lidded rubbish bin, and wash hands thoroughly afterwards;
    • Maintain good indoor ventilation;
    • Avoid sharing personal items;
    • When having respiratory symptoms, wear a surgical mask, consider to refrain from going to work or school, avoid going to crowded places and seek medical advice promptly; and
    • Maintain a balanced diet, perform physical activity regularly, take adequate rest, do not smoke and avoid overstress.

     
    For more information on the COVID-19 Vaccination Programme and the latest recommendations on vaccine use, please refer to the CHP’s website.

    MIL OSI Asia Pacific News –

    April 24, 2025
  • MIL-OSI Asia-Pac: World Health Summit Regional Meeting 2025 to Spotlight Traditional Medicine as a Key Driver of Global Health Equity

    Source: Government of India

    World Health Summit Regional Meeting 2025 to Spotlight Traditional Medicine as a Key Driver of Global Health Equity

    World Health Summit  Regional Meeting is a timely opportunity to advance global dialogue on traditional medicine: Union Minister of State (I/C), Ministry of Ayush, Shri Prataprao Jadhav

    Ayush Participation to Highlight India’s Role in Promoting Holistic Health at WHS Regional Meeting in New Delhi

    Posted On: 23 APR 2025 5:31PM by PIB Delhi

    The World Health Summit (WHS) Regional Meeting, scheduled to take place from April 25–27, 2025, in New Delhi, is set to provide a vital platform for shaping the global health agenda, with a special focus on the integration and scaling up of traditional medicine systems. Among the key highlights of the summit is a session titled “Restoring Balance: Scaling up Access to Traditional Medicine for Health and Well-being”, which promises to serve as a major milestone for the global traditional medicine sector.

    The Union Minister of State (I/C), Ministry of Ayush, Shri Prataprao Jadhav, underlined the significance of the event and mentioned, “The WHS Regional Meeting is a timely opportunity to advance global dialogue on traditional medicine. The dedicated session reflects growing global interest in holistic health. As we prepare for the 2nd WHO Traditional Medicine Global Summit in December, hosted in Delhi and anchored by the WHO-GTMC in Jamnagar, India reaffirms its commitment to global well-being.”

    Organized under the overarching theme “Scaling Access to Ensure Health Equity,” the WHS Regional Meeting will bring together ministers, leading scientists, CEOs, UN officials, and civil society stakeholders to explore innovative, inclusive, and sustainable pathways to achieving health for all. Of particular significance is the dedicated session on traditional medicine, which seeks to harness the transformative potential of combining time-tested traditional knowledge with cutting-edge scientific research.

    The session on traditional medicine will delve into how holistic health systems rooted in ancient wisdom can help meet the growing global demand for person-centred care and contribute to health equity. Experts will examine opportunities to advance universal access to safe and effective traditional medicine practices by leveraging technological innovations, evidence-based research, and evolving regulatory frameworks.

    This session holds particular relevance in the lead-up to the 2nd WHO Traditional Medicine Global Summit, to be held from December 2–4, 2025, in New Delhi. Vaidya Rajesh Kotecha, Secretary, Ministry of Ayush, stated, “The WHS Regional Meeting offers a crucial platform to promote evidence-based traditional medicine within global health discussions. The session on traditional medicine sets the stage for the 2nd WHO Traditional Medicine Global Summit in December, supported by the WHO-GTMC and reflecting India’s leadership in advancing traditional medicine globally.”

    The GTMC, established under a Host Country Agreement between the Government of India through the Ministry of Ayush and the World Health Organisation in 2022, is the first and only WHO outposted global Centre for traditional medicine. It plays a critical role in advancing the safe, effective, and sustainable use of traditional medicine across WHO Member States by integrating indigenous knowledge systems with global health strategies.

    As anticipation builds for the 2nd WHO Traditional Medicine Global Summit, the WHS Regional Meeting in New Delhi is poised to catalyse critical dialogues and partnerships that will shape the trajectory of traditional medicine in the global health landscape. It will also amplify India’s leadership role in promoting traditional medicine, reaffirming its commitment to global well-being and sustainable health solutions rooted in cultural heritage.

    The upcoming discussions are expected to pave the way for renewed international collaboration, innovation, and policy-making in traditional medicine, aligning with the United Nations Sustainable Development Goals and the WHO’s vision of universal health coverage.

    ****

    MV/AKS

    (Release ID: 2123865) Visitor Counter : 127

    MIL OSI Asia Pacific News –

    April 24, 2025
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