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EML’s balance sheet is showing recovery from prior stretched levels. December 2024's gearing (interest-bearing borrowings/equity) ratio sits at 29%, down from 57% in June 2024 and 56% in June 2023.

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Ladies and gentlemen, welcome to Marqeta Inc's first-quarter 2025 earnings conference call. (Operator Instructions) As a reminder, this conference is being recorded. It is now my pleasure to introduce ...

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