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Q1 FY25 (Apr鈥揓un 2025, J-GAAP) snapshot:

• Ordinary income 楼2.13 tn, 鈥�10.5 % YoY on softer trading and loan yields.
• Ordinary profit 楼368.6 bn, +4.0 % YoY; net profit attributable to owners 楼290.5 bn, +0.4 % (EPS 楼115.90).
• Total assets fell 1.6 % since Mar-25 to 楼278.7 tn; own-capital ratio edged up to 3.7 %.
• NPL ratio improved to 0.73 % (鈥�23 bp); credit-related costs a modest 楼11.4 bn.

Guidance & shareholder returns: Full-year profit target lifted 8.5 % to 楼1.02 tn (15 % YoY growth), implying FY EPS 楼407.81. Dividend outlook unchanged at 楼145/share (up 楼5 YoY) with 楼72.5 interim.

Segment colour: Retail & Business Banking and CIBC drove net business profit growth; Global Markets cooled as ETF-related gains shrank to 楼3.2 bn (vs 楼31.7 bn). Net interest income rose 30 % YoY while trading income slid 14 %.

Balance-sheet trends: Loans down 楼0.14 tn to 楼94.0 tn; deposits down 楼0.62 tn to 楼154.3 tn. Unrealised gains on securities up 楼162 bn to 楼1.37 tn, aided by equity market strength. Treasury stock grew to 14.4 m shares.

Takeaway: Upgraded guidance, better asset quality and stable dividends offset revenue pressure and a still-thin capital base, signalling cautious but improving fundamentals.

On 24 Jul 2025, City Office REIT (CIO) director Mark W. Murski received 306 restricted stock units (RSUs) via dividend-equivalent accrual under the company鈥檚 Equity Incentive Plan. Each RSU converts into one CIO common share upon vesting, which mirrors the original award鈥檚 schedule of three equal annual installments, contingent on continued service.

No shares were sold and no cash consideration was exchanged; the transaction simply increases the director鈥檚 equity exposure. After the grant, Murski beneficially owns 21,392 RSUs. The event is a routine insider equity adjustment with negligible effect on share count, liquidity or corporate operations.

City Office REIT (CIO) Form 4 鈥� filed 07/25/2025 reports that director Michael Mazan acquired 269 Restricted Stock Units (RSUs) on 07/24/2025 under the company鈥檚 Equity Incentive Plan. The RSUs were issued as a dividend-equivalency payment tied to previously granted awards and convert to common stock on a 1-for-1 basis.

The new units will vest in three equal annual installments on each anniversary of the original grant date; vested shares will be delivered promptly upon vesting. After this transaction, Mazan directly holds 18,830 RSUs. No common shares were sold, no cash consideration was involved, and the filing reflects routine equity compensation rather than an active buy or sell decision.

City Office REIT (CIO) 鈥� Form 4, filed 07/25/2025

Director John R. McLernon reported a routine equity-based transaction dated 07/24/2025. He acquired 306 Restricted Stock Units (RSUs) classified under transaction code 鈥淎鈥� (grant/acquisition) at no stated cash price. The RSUs were issued as a dividend-equivalency payment tied to previously granted RSUs and convert to common shares on a one-for-one basis. The new units will vest on the same schedule as the underlying award鈥攖hree equal annual installments鈥攃ontingent on continued board service. Following the grant, McLernon鈥檚 total derivative holdings rise to 21,392 RSUs; direct/indirect ownership is listed as 鈥淒鈥� (direct).

No shares were sold, and there was no impact on the public float. While the size is immaterial to CIO鈥檚 market capitalization, the transaction marginally increases insider alignment and signals continued participation in the company鈥檚 long-term incentive program.

Insider filing highlight: City Office REIT (CIO) Chief Financial Officer Anthony Maretic reported the grant of 884 Restricted Stock Units (RSUs) on 07/24/2025, as disclosed in a Form 4 filed 07/25/2025.

The RSUs were issued as a dividend-equivalency award under the company鈥檚 Equity Incentive Plan, convert to common stock on a 1-for-1 basis, and will vest on the same dates and terms as the underlying awards granted earlier (three equal annual installments, contingent on continued service).

Following this transaction, the executive鈥檚 derivative holdings rise to 61,886 RSUs, all recorded as directly owned. No open-market purchases or sales of common shares were reported, indicating this is routine, non-cash equity compensation rather than a discretionary investment.

City Office REIT (CIO) Form 4: President & COO Gregory Tylee reported an insider transaction dated 07/24/2025. The executive acquired 1,960 Restricted Stock Units (RSUs) issued as a dividend-equivalency payment on previously awarded RSUs. Each unit converts 1-for-1 into CIO common shares upon vesting.

The dividend RSUs vest on the same three-year, equal-installment schedule as the underlying grant, contingent on Tylee鈥檚 continued employment. After this grant, the officer now holds 137,153 derivative RSUs, recorded as directly owned.

The disclosure represents routine equity-incentive accrual and is not expected to materially affect the company鈥檚 share count or fundamentals.

Customers Bancorp (CUBI) 鈥� Form 4 insider filing

On 07/23/2025 President Samvir S. Sidhu was awarded 225,000 performance-based restricted stock units (RSUs), coded 鈥淎鈥� (grant). The stated grant-date price is $62.55, implying a potential face value of roughly $14.1 million. The RSUs vest 100 % on 01/01/2031 only if (i) the average closing price of CUBI common stock reaches or exceeds $125 for 20 consecutive trading days between 01/01/2026 and 01/01/2031 and (ii) Sidhu remains employed on the vesting date.

Following the grant, Sidhu鈥檚 direct beneficial ownership increases to 518,367 shares, including 272,478 unvested RSUs. No shares were sold and no derivative transactions were reported. The filing signals long-term incentive alignment with a share-price objective roughly double the grant-date reference price, while creating potential dilution if the performance hurdle is achieved.

City Office REIT (CIO) Form 4: Director John Sweet reported an automatic acquisition of 306 restricted stock units (RSUs) on 07/24/2025 as a dividend-equivalency grant under the company鈥檚 Equity Incentive Plan. Each RSU converts 1-for-1 into common stock upon vesting and will be delivered when the related underlying awards vest. Following the transaction, Sweet directly owns 21,392 RSUs. No common-stock sales, purchases, or option exercises were disclosed, indicating the filing is a routine equity-compensation update rather than a directional trade. The grant marginally increases insider alignment but does not affect the public float or signal any strategic shift.