信达金融 2025年度报告

2025 Shareholders’ Letter Financial Highlights The metrics presented below highlight the successful execution of our growth strategy, which drove Wintrust’s29th consecutive year of profitability, the robust expansion of our markets, and the continued differentiation of theservice we provide to our customers. At Wintrust, our business model is simple:we provide sophisticated financial solutions to consumers andbusinesses while living our community banking philosophy. Our approach delivers better customer service, deeperrelationships, and meaningful impact in the communities weserve. In 2025, our differentiated model also drove recordnet income, a 29th consecutive year of profitable operationsand increased tangible book value for our shareholders. 2025 Year in Review Clients choose to do business with us because they knowthey can count on us to understand their goals, deliver theright solutions and build deep and lasting relationships,contributing to their success. To do that, we keep our teamfocused on three key strategic priorities that continueto generate positive returns for our shareholders: $71.1 Billion Deliver a differentiated customer experienceto growprofitable relationships across our banking, insurance financeand wealth management businesses. $53 Billion TOTAL LOANS Ensure disciplined and strategic growththat generates strongfinancial performance, prudent risk management and stabilitythrough market cycles. $58 BillionTOTAL DEPOSITS Build the foundation for our futureby developing andhiring the best talent, leveraging technology and data, creatingoperational efficiencies and continually enhancing thecustomer experience. We empower our team members to deliver on theseimperatives. We keep decision-making close to ourclients while leveraging the centralized strength of oursupport teams to manage our business efficiently. $824 MillionNET INCOME Client-first focus remainsour greatest differentiator Our comprehensive suite of fi nancial solutions and ourrelentless focus on client relationships once again droveincreases in net income, loans and deposits. Our ability to growlending relationships, protect asset quality, keep expenses low,and manage deposit costs – especially as rates began to fall –led to our strong 2025 results as compared to 2024. In manycases, our 2025 results were signifi cantly better than our peers. • Net income of $824 million, a 19% increase• Total loans reached $53 billion, an 11% increase• Total deposits of $58 billion, a 10% increase All this drove total assets to $71.1 billion as of December 31,2025, up from $64 billion at December 31, 2024. Strategic growth deliversconsistent quality results Wintrust serves over 300,000 consumer banking householdsand more than 400,000 commercial and business clients. Wecontinue to enhance our ability to deliver both high-tech andhigh-touch solutions. In 2025, we opened four new bankinglocations to support customers’ needs in our communities andhave more than 200 branch locations across Illinois, Wisconsin,northwest Indiana, west Michigan and southwest Florida aswell as offices in other key markets that align with our businessstrategy. We believe branches remain an important part of ourmodel, putting team members who provide expert guidanceand service in the communities where our customers live andwork. At the same time, we deliver online and mobile solutionsthat enable our customers to bank when they want, where theywant. Our online tools help customers transact business as wellas plan and track budgets and spending. In 2025, we achieved 11% organic loan growth, with ourspecialty banking businesses and our insurance premiumfi nance businesses showing very strong results. Our loan growth remains well-diversifi ed across industries,specialties and geographies. We do this deliberately aspart of our conservative approach to risk management toprotect our asset quality from regional economic downturnsor sector challenges. Our lending businesses reach into all 50 states and Canada.About 42% of our total loan portfolio is generated from ourMidwestern base. Credit quality remained very strong in 2025, with non-performing loans just 0.35% of total loans at December 31 andcharge-offs of 0.14% of total average loans. Our approach ofstaying close to our clients and working with them to addresschallenges early allows us to manage risk in our portfolio. Our goal is to be a partner to our clients through all of life’sfi nancial milestones. Our wealth professionals help our clients build, preserveand transfer wealth and partner closely with their bankingcolleagues to deliver a full suite of solutions to clients.Our wealth management businesses continue to performwell, bolstered by new client acquisition and strong equitymarkets in 2025. Our results continue a consistent trend. Over the last 10years, we delivered 12% annualized loan and deposit growthand 18% annualized net income growth, along with top quartilecredit performance. Buy