Regional Management(RM) - 2023 Q3 - Earnings Call Presentation

Net income of $8.8 million and diluted EPS of$ 0.91 Total revenue increased $9.4 million, or 7.2% • Interest and fee income up 7.8% due to a 10.0% increase in ANR • Insurance income, net decreased by 5.0% due to lower premiums Provision for credit losses increased$ 2.9 million, or 5.9% • Net credit losses up $11.7 million from higher ANR and macro conditions • Lower provision build of$ 8.8 million year-over-year Operating expense ratio improved 0.5% • Revenue growth outpaced G&A expense growth by 2.4x compa ...