j hotel iloilo Deal on Elgin Marbles ‘still some distance’ away, says George Osborne

Vinod Kumar is with The Times of India’s Punjab Bureau at Chandigarh. He covers news concerning Punjab politics, Health, Education, Employment and Environment. ​How to make Masala Chicken Curry at home​ 10 beautiful animals that are pink in colour 10 easy-to-care-for beautiful freshwater fish for home aquariums 9 vegetarian dishes shine in the ‘100 Best Dishes in the World’ list ​10 rare animals found only in Asia​ In pics: Sai Pallavi's vacation to Australia 8 books that will help develop discipline and good habits in 2025 Sanskrit names for baby boy that sound modern 18 stews and soups shine among the '100 Best Dishes in the World' 9 foods that provide over 30 grams of protein when cooked

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Cummins Inc. stock rises Thursday, outperforms marketA deal which could see the Elgin Marbles returned to Greece is “still some distance” away, George Osborne has signalled. The former Tory chancellor, now chairman of the British Museum , suggested Sir Keir Starmer had contributed to a warmer spirit of the negotiations over the famous ancient artworks. Greece has long called for the return of the Marbles, also known as the Parthenon sculptures, and maintains they were illegally removed from Athens’ acropolis during a period of foreign occupation. The British Museum – where they are currently on display – is forbidden by law from giving away any of its artefacts, and the Government has no plans to change the law to permit a permanent move. But under Mr Osborne’s leadership, the museum is negotiating the possibility of a long-term loan of the sculptures, in exchange for rolling exhibitions of famous artworks. No 10 has indicated the Prime Minister is unlikely to stand in the way of such a deal. Speaking on Political Currency, the podcast he hosts alongside former Labour politician Ed Balls, Mr Osborne said the museum was “looking to see if we can come to some arrangement where at some point some of the sculptures are in Athens, where, of course, they were originally sited”. He added: “And in return, Greece lends us some of its treasures, and we made a lot of progress on that, but we’re still some distance from any kind of agreement.” The Greek government has suggested negotiations with the museum have taken a warmer tone since Labour came to power in the summer. Mr Osborne appeared to concur with this view and praised Sir Keir’s hands-off approach, adding: “It is not the same as Rishi Sunak, who refused to see the Greek prime minister, if you remember, he sort of stood him up. “So it seems to me a more sensible and diplomatic way to proceed.” Kyriakos Mitsotakis, the Greek premier, discussed the Elgin Marbles with Sir Keir when they met on Tuesday morning at Downing Street, he said after returning to Athens. Mr Mitsotakis has signalled his government is awaiting developments on the negotiations. A diplomatic spat between the Greek leader and Mr Sunak emerged last year when the then-prime minister refused to meet his counterpart. Mr Mitsotakis had compared splitting the Elgin Marbles from those still in Athens to cutting the Mona Lisa in half. The marble statues came from friezes on the 2,500-year-old Parthenon temple and have been displayed at the British Museum for more than 200 years. They were removed by Lord Elgin in the early 19th century when he was British ambassador to the Ottoman Empire. Some of the remaining temple statues are on display in the purpose-built Acropolis Museum in Athens, and Greece has called for the collections to be reunited.Jaland Lowe flirted with a triple-double as Pitt improved to 6-0 with a 74-63 win over LSU on Friday afternoon at the Greenbrier Tip-Off in White Sulphur Springs, W.Va. Lowe finished with a game-high 22 points to go along with eight rebounds and six assists for the Panthers, who have won their first six games of a season for the first time since the 2018-19 campaign. It would have been the second straight triple-double for Lowe, who had 11 points, 10 rebounds and 10 assists against VMI Monday. Ishmael Leggett chipped in 21 points and Cameron Corhen supplied 14, helping Pitt outshoot the Tigers (4-1) 44.4 percent to 37.3 percent overall. Vyctorius Miller and Jalen Reed recorded 14 points apiece for LSU, with Reed also snatching seven boards. Cam Carter contributed 11 points. Pitt took control in the first four-plus minutes of the second half, opening the period on a 13-0 run to build a 40-28 lead. The Tigers were held scoreless following the break until Carter converted a layup with 13:13 to go. It was still a 12-point game after Zack Austin hit a pair of free throws with 12:50 remaining, but LSU then rallied. Corey Chest, Reed and Jordan Sears each had a bucket down low for the Tigers during an 8-1 spurt that made it 43-38. However, Lowe stemmed the tide, answering with back-to-back 3-pointers to put the Panthers up 49-38 with 9:31 left. Miller did everything he could to keep LSU in contention, scoring eight points in a span of 1 minute, 23 seconds, with his four-point play getting the Tigers within 56-52 with 6:03 to play. But Pitt never let LSU get the upper hand, and it led by at least six for the final 5:05 of the contest. The Tigers had a 28-27 edge at intermission after ending the first half on an 8-2 run. LSU overcame a quick start by the Panthers, who raced out to a 12-6 advantage and led by as many as eight in the first 20 minutes of action. --Field Level Media

Dibrugarh: In a public meeting held on Tuesday, citizens of Dibrugarh and Northeast Frontier (NF) Railway officials gathered to deliberate the fate of the 141-year-old Dibrugarh Town Railway Station (DBRT). A majority of residents advocated for its closure and the consolidation of services at the new Dibrugarh Railway Station (DBRG). The historic station, established in 1883, currently serves only two trains: the Dibrugarh-New Delhi Rajdhani Express and the Dibrugarh-Ledo DEMU. In contrast, 36 other trains operate from the newer Banipur facility, which opened in 2009. The station is slated to add three more services, including the prestigious Vande Bharat Express . Dibrugarh MLA Prasanta Phukan, who has been spearheading the campaign for closure, spoke about the infrastructural challenges posed by the old station. He highlighted how the railway line from the old station has effectively bisected Dibrugarh town into two parts, creating severe congestion at multiple railway crossings. “The railway tracks running through the town have created severe bottlenecks, leading to constant traffic jams and accidents. This causes immense inconvenience to commuters, students, and patients alike. The Banipur station offers superior facilities, including systematic parking arrangements and state-of-the-art amenities. It makes logical sense to consolidate all operations there,” Phukan said during the meeting. The proposal to close the station has garnered support from urban planners and citizens who see an opportunity to address the town’s pressing infrastructure needs. We also published the following articles recently Dibrugarh debates future of historic railway station Dibrugarh residents and railway officials discussed the potential closure of the 141-year-old Dibrugarh Town Railway Station. With only two trains currently operating from the old station, compared to 36 at the newer Banipur station, MLA Prasanta Phukan highlighted the traffic congestion caused by the old station's railway line. Dibrugarh villagers capture black panther Villagers in Dibrugarh, India, captured a black panther that had been terrorizing their livestock for over ten days. Using a hen as bait in a homemade iron cage trap, the residents of Nohajar Sonowal village successfully caught the panther, nicknamed "Ghoong," early Saturday morning. Mass protest in Dibrugarh against persecution of Hindus in Bangladesh In Dibrugarh, hundreds protested against the attacks on Hindus and ISKCON temples in Bangladesh. Marching to the DC office, they condemned the violence and the arrest of ISKCON monk Chinmoy Krishna Das. Protesters called it systematic persecution, a humanitarian crisis demanding international attention, and urged the Indian government to intervene diplomatically for the safety of Bangladeshi Hindus and Das's release. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .

What Is Impoundment? Trumps New Plan To Control Spending In Second TermThe former Tory chancellor, now chairman of the British Museum, suggested Sir Keir Starmer had contributed to a warmer spirit of the negotiations over the famous ancient artworks. Greece has long called for the return of the Marbles, also known as the Parthenon sculptures, and maintains they were illegally removed from Athens’ acropolis during a period of foreign occupation. The British Museum – where they are currently on display – is forbidden by law from giving away any of its artefacts, and the Government has no plans to change the law to permit a permanent move. But under Mr Osborne’s leadership, the museum is negotiating the possibility of a long-term loan of the sculptures, in exchange for rolling exhibitions of famous artworks. No 10 has indicated the Prime Minister is unlikely to stand in the way of such a deal. Speaking on Political Currency, the podcast he hosts alongside former Labour politician Ed Balls, Mr Osborne said the museum was “looking to see if we can come to some arrangement where at some point some of the sculptures are in Athens, where, of course, they were originally sited”. He added: “And in return, Greece lends us some of its treasures, and we made a lot of progress on that, but we’re still some distance from any kind of agreement.” The Greek government has suggested negotiations with the museum have taken a warmer tone since Labour came to power in the summer. Mr Osborne appeared to concur with this view and praised Sir Keir’s hands-off approach, adding: “It is not the same as Rishi Sunak, who refused to see the Greek prime minister, if you remember, he sort of stood him up. “So it seems to me a more sensible and diplomatic way to proceed.” Kyriakos Mitsotakis, the Greek premier, discussed the Elgin Marbles with Sir Keir when they met on Tuesday morning at Downing Street, he said after returning to Athens. Mr Mitsotakis has signalled his government is awaiting developments on the negotiations. A diplomatic spat between the Greek leader and Mr Sunak emerged last year when the then-prime minister refused to meet his counterpart. Mr Mitsotakis had compared splitting the Elgin Marbles from those still in Athens to cutting the Mona Lisa in half. The marble statues came from friezes on the 2,500-year-old Parthenon temple and have been displayed at the British Museum for more than 200 years. They were removed by Lord Elgin in the early 19th century when he was British ambassador to the Ottoman Empire. Some of the remaining temple statues are on display in the purpose-built Acropolis Museum in Athens, and Greece has called for the collections to be reunited.

Tech review: Earbuds and phones for those on your holiday list

AI Powers the Fight Against ALS LAS VEGAS , Dec. 4, 2024 /PRNewswire/ --A partnership between Compass UOL, an AI transformation services company, and non-profit EverythingALS is using artificial intelligence to address Amyotrophic Lateral Sclerosis (ALS), one of the most intractable puzzles in medicine. EverythingALS and Compass UOL will officially launch their partnership on December 4 at 4:00 PM PT at the annual AWS re:Invent conference in this city, at the AWS for Healthcare and Life Sciences booth within the AWS for Industries Pavilion. The initiative aims to accelerate breakthroughs in ALS care and research by training and supporting 2,000 computational biologists and AI engineers dedicated to understanding and combating ALS and related neurodegenerative diseases as part of Vision 2030 program of EverythingALS. EverythingALS, a patient-focused non-profit set up by The Peter Cohen Foundation, is driving innovation in ALS research by combining biotechnology with data science, working closely with Harvard Medical School , Massachusetts General Hospital, MIT , and pharmaceutical and biotech companies, including Johnson & Johnson, AbbVie, Eli Lilly, Bristol Myers Squibb, and MT Pharma, among others. "The time is now," said Indu Navar , whose foundation honors the memory of Peter Cohen , her late husband and an Amazon.com veteran and senior founding team member of AWS. Cohen held multiple leadership roles during his tenure at Amazon before losing his life to ALS in 2019. "AI and computational power are unlocking mysteries of the brain that were once inaccessible," Navar said. Navar, a tech entrepreneur herself and Peter Cohen's wife, founded EverythingALS to fulfill her husband's vision of applying technological innovation to cure ALS. Navar has made it her mission to save millions of lives from brain diseases. "This partnership allows us to honor Peter's legacy by harnessing data and technology to better understand ALS and ultimately save lives," she said. Compass UOL contributes its AI transformation experience and the work of a team of over 6,000 experts in AI, data and digital platforms at the AI Revolution Company, its parent organization. "We are racing to train the next generation of experts in computational biology to tackle diseases such as ALS and related brain diseases," said Dao Jensen , President of Compass UOL's AWS Business Unit in the U.S. Last year, Compass UOL announced a training initiative with AWS support to help 15,000 computer science students in universities worldwide learn to program cloud platforms using generative AI tools. ALS is a nervous system disease that affects control of the muscles needed to move, speak, eat, and breathe. There is still no cure for this fatal disease, made more widely known by baseball legend Lou Gehrig . "I may have had a tough break, but I have an awful lot to live for," said Gehrig in closing his speech. He might have well said it for the Compass UOL and EverythingALS alliance, which 85 years and a several technological and scientific breakthroughs later, is racing for a cure in the same unbreakable spirit. About Compass UOL Compass UOL is a global company that is part of the AI Revolution Company, which drives the transformation of organizations through Artificial Intelligence, Generative AI, and Digital Technologies. We design and build digital native platforms using cutting-edge technologies to help companies innovate, transform businesses, and drive success in their markets. With a focus on attracting and developing the best talent, we create opportunities that improve lives and highlight the positive impact of disruptive technologies on society. About EverythingALS Since 2020, EverythingALS has been dedicated to advancing research, fostering innovation, and offering support for individuals and families affected by ALS. EverythingALS is a non-profit 501(c)(3) organization that operates under the Peter Cohen Foundation. EverythingALS has established a well-connected ALS community network comprising 7,000 subscribers, 1,400 research participants, and over 300,000 visitors to its YouTube channel from 50 countries. Furthermore, EverythingALS collaborates with a consortium of pharmaceutical companies, sharing research findings and insights through its unique citizen-driven research with an open innovation model. With a strong emphasis on collaboration and data-driven approaches, EverythingALS is committed to accelerating the development of curative therapies for ALS, aiming for a world free from the burdens of ALS. http://www.everythingals.org and http://v2030.org View original content: https://www.prnewswire.com/news-releases/everythingals-and-compass-uol-partner-to-advance-artificial-intelligence-and-computational-biology-by-training-and-supporting-2-000-top-talent-to-cure-als-at-aws-reinvent-2024--302323034.html SOURCE Compass UOLFrom waste to wealth: Part - II This production could reduce carbon emissions by 70-80 per cent compared to conventional jet fuels This representational image shows a solid waste dump. — AFP/File The metropolitan municipal solid waste (MSW) generation, of which 75 per cent is organic, remains largely untapped. Organic MSW with higher calorific value given our national consumption of fatty oils and foods holds significant potential for conversion into biofuels, while non-recyclable fractions can be processed into biodiesel and SAF through technologies like hydro-processed esters and fatty acids (HEFA). Feedstocks such as used cooking oil (UCO), soap stock, and poultry feather acid oil can enable Pakistan to produce around 680,000 MT of SAF annually. googletag.cmd.push(function() { googletag.display('div-gpt-ad-1700472799616-0'); }); This production could reduce carbon emissions by 70-80 per cent compared to conventional jet fuels. Beyond meeting domestic SAF requirements, Pakistan’s annual production capacity positions it to export significant quantities to regions with high demand, such as Europe and North America. Formalised waste collection systems, particularly in urban centres such as Karachi where an estimated 22,000 MT per day is generated, are crucial and offer another climate-linked investment opportunity on a PPP basis as there are use cases in other countries. Engaging informal waste pickers in structured recycling programmes can further enhance feedstock availability and encourage financial inclusion by incentivising them through rewards participation programmes as the estimated earnings for waste pickers in Karachi is over Rs100,000 per month. Results-based financing (RBF) can be used to reward waste processors for achieving recycling and energy production targets. Effective waste management systems in urban areas reduce environmental pollution, enhance resource recovery, and foster sustainable cities which are central to SDG11. Thus far there has only been one SAF project in Pakistan where two multilateral development banks have supported with patient capital the climate-linked project. New projects can attract funding by local investors and authorities linking up with the Global Environment Facility (GEF) which has provided grants and technical support for SAF R&D and pilot projects in developing countries including in India to support decarbonisation of the aviation sector. Another avenue Pakistani lenders and investors should explore is the Climate Investment Funds (CIF) which channels concessional finance to private investors in emerging markets primarily through its Clean Technology Fund to scale SAF production. Although the federal government introduced a biodiesel programme in 2008 targeting a 5.0 per cent biodiesel blend in diesel fuel by 2015 and a 10 per cent blend by 2025, it is not being promoted even after the Alternative and Renewable Energy (ARE) Policy of 2011 was developed to promote biofuels as part of the country's renewable energy. The ministries of energy and finance ought to design a specific framework which promotes and incentivises producers and investors as well as mandates via provincial departments the collection and recycling of organic and agricultural waste. Tax incentives for biofuel and SAF producers and SAF blending targets for the aviation industry will stimulate investment in this sector, as well as capital relief on risk-weighted assets deployed by domestic lenders to provide transition and climate-friendly development financing to biofuel facilities and refineries. To unlock this potential via the SIFC, which champions the successful ‘whole of government’ approach, opportunities must be created for sovereign wealth funds and institutional investors to invest and build infrastructure for WtB on a public-private partnership basis too. In May 2024 for instance, the UAE’s Mubadala Capital announced a $13.5 billion investment into Brazil through Acelen Renovaveis to produce up to 1 billion litres of biofuels/SAF annually with the US giant Honeywell which shall implement renewable fuels technology and begin moduled production by the end of 2026. The investment would be through a mix of equity and debt tranched into five modules, and each will consist of a new biorefinery with associated infrastructure and planted areas to grow the input crop with an output processing capacity of 20,000 barrels of fuel per day. Why should the UAE not invest so close to home with low freight charges when it has its SAF targets set to produce 700 million litres of SAF annually by 2030, accounting for at least 1.0 per cent of the total fuel supplied at its airports by 2031 where up to $9 billion of investment is required in SAF facilities and supporting value chains to meet these targets. A similar case can be made for the Saudis since the Public Investment Fund (PIF) has announced a target to achieve net-zero greenhouse gas emissions by 2050 and should be invited to assess alongside ARAMCO the potential to set up biofuels refineries in Pakistan using agricultural and municipal waste. Pakistan must not miss out on this climate-linked development finance opportunity. By adopting a multi-stakeholder partnership approach that aligns with SDG17 the private sector should lead, fueled primarily by viability gap funding (VCF) from state-owned banks and development finance institutions whose prime responsibility is to create economic growth avenues, and the government which facilitates the PPP model, Pakistan should enhance energy security while driving inclusive and export-oriented economic growth. (If you are interested in the dynamics and opportunities of the biofuel and waste management sectors, please contact the writer for a detailed white paper on ‘Creating a Sustainable Circular Economy in Waste Management’). Concluded The writer is a seasoned banker with 30 years of international expertise in global markets and developmentfinance. He can be reached at:1adnanpasha@gmail.com

Opinion: Teachers lack resources to meet classroom needs, and absences shouldn't surprise us

ANDOVER, Mass., Dec. 04, 2024 (GLOBE NEWSWIRE) -- MKS Instruments, Inc. (NASDAQ: MKSI), a global provider of enabling technologies that transform our world, was recognized today as one of America's Most Responsible Companies for 2025 , presented by Newsweek and Statista, Inc. "We are honored to be recognized for the second consecutive year as one of our nation's most responsible companies by Newsweek and Statista,” said John T.C. Lee, President and Chief Executive Officer of MKS. "We are committed to providing our customers with world-leading innovative technology to help them succeed in a manner that also protects our planet and the communities in which we work and live.” The America's Most Responsible Companies ranking analyzes companies through a holistic view of corporate responsibility. An overall score is calculated for each company based on over 30 key performance indicators for the top 2,000 publicly traded U.S. companies by revenue and a public survey of 26,000 U.S. residents evaluating each company's corporate social responsibility reputation. About MKS Instruments MKS Instruments enables technologies that transform our world. We deliver foundational technology solutions to leading edge semiconductor manufacturing, electronics and packaging, and specialty industrial applications. We apply our broad science and engineering capabilities to create instruments, subsystems, systems, process control solutions and specialty chemicals technology that improve process performance, optimize productivity and enable unique innovations for many of the world's leading technology and industrial companies. Our solutions are critical to addressing the challenges of miniaturization and complexity in advanced device manufacturing by enabling increased power, speed, feature enhancement, and optimized connectivity. Our solutions are also critical to addressing ever-increasing performance requirements across a wide array of specialty industrial applications. Additional information can be found at www.mks.com . Contacts: Bill Casey Senior Director, Marketing Communications Telephone: +1 (630) 995-6384 Email: [email protected] Kelly Kerry, Partner Kekst CNC Email: [email protected]• Total Revenues of $138.8M , up 14% year-over-year • Subscription Revenues of $119.9M , up 14% year-over-year • GAAP Operating Margin of (1)% , up ~1,000 basis points year-over-year • Non-GAAP Operating Margin of 20% , up ~350 basis points year-over-year WILMINGTON, N.C., Dec. 04, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the third quarter of fiscal year 2025, ended October 31, 2024. "We are very pleased with our third quarter results, once again exceeding expectations for both revenues and non-GAAP operating income," said Pierre Naudé, Chairman and CEO at nCino. "The team delivered solid execution globally, with over 30 multi-solution deals and more gross bookings from net new customers than the previous two quarters combined. Multi-solution deals continue to show the demand for a true end-to-end platform for financial institutions to onboard customers, open accounts, originate loans and manage the portfolio across multiple business lines. We remain focused on innovation and delivering efficiencies that create real business value, and we're excited by the strength and expansion we saw in our business this quarter as a result of that reputation." Financial Highlights Revenues: Total revenues for the third quarter of fiscal 2025 were $138.8 million, a 14% increase from $121.9 million in the third quarter of fiscal 2024. Subscription revenues for the third quarter were $119.9 million, up from $104.8 million one year ago, an increase of 14%. Income (Loss) from Operations: GAAP loss from operations in the third quarter of fiscal 2025 was $(0.8) million compared to $(12.9) million in the same quarter of fiscal 2024. Non-GAAP operating income in the third quarter of fiscal 2025 was $28.0 million compared to $20.4 million in the third quarter of fiscal 2024, an increase of 38%. Net Income (Loss) Attributable to nCino: GAAP net loss attributable to nCino in the third quarter of fiscal 2025 was $(5.3) million compared to $(16.4) million in the third quarter of fiscal 2024. Non-GAAP net income attributable to nCino in the third quarter of fiscal 2025 was $24.4 million compared to $16.2 million in the third quarter of fiscal 2024, an increase of 51%. Net Income (Loss) Attributable to nCino per Share: GAAP net loss attributable to nCino in the third quarter of fiscal 2025 was $(0.05) per basic and diluted share compared to $(0.15) per basic and diluted share in the third quarter of fiscal 2024. Non-GAAP net income attributable to nCino in the third quarter was $0.21 per diluted share compared to $0.14 per diluted share in the third quarter of fiscal 2024. Remaining Performance Obligation: Total Remaining Performance Obligation (RPO) as of October 31, 2024, was $1.095 billion, compared with $917.1 million as of October 31, 2023, an increase of 19%. RPO expected to be recognized in the next 24 months was $730.0 million, an increase of 16% from $627.6 million as of October 31, 2023. Cash: Cash, cash equivalents, and restricted cash were $258.3 million as of October 31, 2024, which reflected refinancing the revolving credit facility and included $129.7 million that was subsequently utilized to acquire FullCircl on November 5, 2024. Recent Business Highlights Completed acquisition of FullCircl: Closed the acquisition of FullCircl on November 5, 2024, expanding nCino's onboarding capabilities by adding data aggregation components to the platform for financial institutions in EMEA. Signed a multi-solution expansion agreement with a top-40 bank in the U.S.: Shortly after quarter end, expanded relationship with a top-40 bank in the U.S. for Commercial and Small Business Lending, Commercial Pricing & Profitability, Automated Spreading and Banking Advisor. Signed first Banking Advisor deal in Australia: Extended relationship with a top-5 Australian bank for three years with the addition of Banking Advisor. Signed largest customer in Japan: Tokushima Taisho Bank selected nCino to transform its business lending operations, making the bank nCino’s largest customer in Japan. Signed an expansion agreement with the largest bank in Norway: The bank expanded its adoption of nCino Commercial Lending, including Banking Advisor, and will also be running Credit Portfolio Management and ESG reporting on nCino. One of the largest home builders in the U.S. went live on the nCino Mortgage Solution: The affiliate mortgage company of a large, national home builder completed its rollout of the nCino Mortgage Solution. Financial Outlook nCino is providing guidance for its fourth quarter ending January 31, 2025 , as follows: Total revenues between $139.5 million and $141.5 million. Subscription revenues between $122.5 million and $124.5 million. Non-GAAP operating income between $23.25 million and $24.25 million. Non-GAAP net income attributable to nCino per diluted share of $0.18 to $0.19. nCino is providing guidance for its fiscal year 2025 ending January 31, 2025 , as follows: Total revenues between $539.0 million and $541.0 million. Subscription revenues between $467.0 million and $469.0 million. Non-GAAP operating income between $95.0 million and $96.0 million. Non-GAAP net income attributable to nCino per diluted share of $0.75 to $0.76. Conference Call nCino will host a conference call at 4:30 p.m. ET today to discuss its financial results and outlook. The conference call will be available via live webcast and replay at the Investor Relations section of nCino’s website: https://investor.ncino.com/news-events/events-and-presentations . About nCino nCino (NASDAQ: NCNO) is powering a new era in financial services. The Company was founded to help financial institutions digitize and reengineer business processes to boost efficiencies and create better banking experiences. With over 1,800 customers worldwide - including community banks, credit unions, independent mortgage banks, and the largest financial entities globally - nCino offers a trusted platform of best-in-class, intelligent solutions. By integrating artificial intelligence and actionable insights into its platform, nCino is helping financial institutions consolidate legacy systems to enhance strategic decision-making, improve risk management, and elevate customer satisfaction by cohesively bringing together people, AI and data. For more information, visit www.ncino.com. Forward-Looking Statements: This press release contains forward-looking statements about nCino's financial and operating results, which include statements regarding nCino’s future performance, outlook, guidance, the assumptions underlying those statements, the benefits from the use of nCino’s solutions, our strategies, and general business conditions. Forward-looking statements generally include actions, events, results, strategies and expectations and are often identifiable by use of the words “believes,” “expects,” “intends,” “anticipates,” “plans,” “seeks,” “estimates,” “projects,” “may,” “will,” “could,” “might,” or “continues” or similar expressions and the negatives thereof. Any forward-looking statements contained in this press release are based upon nCino’s historical performance and its current plans, estimates, and expectations and are not a representation that such plans, estimates, or expectations will be achieved. These forward-looking statements represent nCino’s expectations as of the date of this press release. Subsequent events may cause these expectations to change and, except as may be required by law, nCino does not undertake any obligation to update or revise these forward-looking statements. These forward-looking statements are subject to known and unknown risks and uncertainties that may cause actual results to differ materially including, but not limited to risks associated with (i) adverse changes in the financial services industry, including as a result of customer consolidation or bank failures; (ii) adverse changes in economic, regulatory, or market conditions, including as a direct or indirect consequence of higher interest rates; (iii) risks associated with acquisitions we undertake, (iv) breaches in our security measures or unauthorized access to our customers’ or their clients' data; (v) the accuracy of management’s assumptions and estimates; (vi) our ability to attract new customers and succeed in having current customers expand their use of our solution; (vii) competitive factors, including pricing pressures, consolidation among competitors, entry of new competitors, the launch of new products and marketing initiatives by our competitors, and difficulty securing rights to access or integrate with third party products or data used by our customers; (viii) the rate of adoption of our newer solutions and the results of our efforts to sustain or expand the use and adoption of our more established solutions; (ix) fluctuation of our results of operations, which may make period-to-period comparisons less meaningful; (x) our ability to manage our growth effectively including expanding outside of the United States; (xi) adverse changes in our relationship with Salesforce; (xii) our ability to successfully acquire new companies and/or integrate acquisitions into our existing organization; (xiii) the loss of one or more customers, particularly any of our larger customers, or a reduction in the number of users our customers purchase access and use rights for; (xiv) system unavailability, system performance problems, or loss of data due to disruptions or other problems with our computing infrastructure or the infrastructure we rely on that is operated by third parties; (xv) our ability to maintain our corporate culture and attract and retain highly skilled employees; and (xvi) the outcome and impact of legal proceedings and related fees and expenses. Additional risks and uncertainties that could affect nCino’s business and financial results are included in our reports filed with the U.S. Securities and Exchange Commission (available on our web site at www.ncino.com or the SEC's web site at www.sec.gov ). Further information on potential risks that could affect actual results will be included in other filings nCino makes with the SEC from time to time. Non-GAAP Financial Measures In nCino’s public disclosures, nCino has provided non-GAAP measures, which are measurements of financial performance that have not been prepared in accordance with generally accepted accounting principles in the United States, or GAAP. In addition to its GAAP measures, nCino uses these non-GAAP financial measures internally for budgeting and resource allocation purposes and in analyzing our financial results. For the reasons set forth below, nCino believes that excluding the following items provides information that is helpful in understanding our operating results, evaluating our future prospects, comparing our financial results across accounting periods, and comparing our financial results to our peers, many of which provide similar non-GAAP financial measures. Amortization of Purchased Intangibles. nCino incurs amortization expense for purchased intangible assets in connection with certain mergers and acquisitions. Because these costs have already been incurred, cannot be recovered, are non-cash, and are affected by the inherent subjective nature of purchase price allocations, nCino excludes these expenses for our internal management reporting processes. nCino’s management also finds it useful to exclude these charges when assessing the appropriate level of various operating expenses and resource allocations when budgeting, planning and forecasting future periods. Although nCino excludes amortization expense for purchased intangibles from these non-GAAP measures, management believes it is important for investors to understand that such intangible assets were recorded as part of purchase accounting and contribute to revenue generation. Stock-Based Compensation Expenses. nCino excludes stock-based compensation expenses primarily because they are non-cash expenses that nCino excludes from our internal management reporting processes. nCino’s management also finds it useful to exclude these expenses when they assess the appropriate level of various operating expenses and resource allocations when budgeting, planning and forecasting future periods. Moreover, because of varying available valuation methodologies, subjective assumptions and the variety of award types that companies can use, nCino believes excluding stock-based compensation expenses allows investors to make meaningful comparisons between our recurring core business operating results and those of other companies. Acquisition-Related Expenses. nCino excludes expenses related to acquisitions as they limit comparability of operating results with prior periods. We believe these costs, which are primarily related to legal, consulting and other professional services fees, are non-recurring in nature and outside the ordinary course of business. Litigation Expenses. nCino excludes fees and expenses related to litigation expenses incurred from legal matters outside the ordinary course of our business as we believe their exclusion from non-GAAP operating expenses will facilitate a more meaningful explanation of operating results and comparisons with prior period results. Restructuring Costs. nCino excludes costs incurred related to bespoke restructuring plans and other one-time costs that are fundamentally different in strategic nature and frequency from ongoing initiatives. We believe excluding these costs facilitates a more consistent comparison of operating performance over time. Tax Benefit Related to Acquisitions. In connection with deferred tax liabilities assumed from acquisitions, nCino may reduce the valuation allowance against deferred tax assets, resulting in a one-time tax benefit recorded in Income tax provision (benefit). We believe that the exclusion of this benefit from our non-GAAP net income attributable to nCino and non-GAAP net income attributable to nCino per share provides a more direct comparison to all periods presented. Income Tax Effect on Non-GAAP Adjustments. The income tax effects are related to the imputed tax impact on the difference between GAAP and non-GAAP costs and expenses. Adjustment to Redeemable Non-Controlling Interest. nCino adjusts the value of redeemable non-controlling interest of its joint venture nCino K.K. in accordance with the operating agreement for that entity. nCino believes investors benefit from an understanding of the company’s operating results absent the effect of this adjustment, and for comparability, has reconciled this adjustment for previously reported non-GAAP results. There are limitations to using non-GAAP financial measures because non-GAAP financial measures are not prepared in accordance with GAAP and may be different from non-GAAP financial measures provided by other companies. The non-GAAP financial measures are limited in value because they exclude certain items that may have a material impact upon our reported financial results. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by nCino’s management about which items are adjusted to calculate its non-GAAP financial measures. nCino compensates for these limitations by analyzing current and future results on a GAAP basis as well as a non-GAAP basis and also by providing GAAP measures in its public disclosures. Non-GAAP financial measures should not be considered in isolation from, or as a substitute for, financial information prepared in accordance with GAAP. nCino encourages investors and others to review our financial information in its entirety, not to rely on any single financial measure to evaluate our business, and to view our non-GAAP financial measures in conjunction with the most directly comparable GAAP financial measures. A reconciliation of GAAP to the non-GAAP financial measures has been provided in the tables below. 1 Columns may not foot due to rounding. 2 These amounts represent the non-interest component of payments towards financing obligations for facilities. CONTACTS INVESTOR CONTACT Harrison Masters nCino +1 910.734.7743 Harrison.masters@ncino.com MEDIA CONTACT Natalia Moose nCino Natalia.moose@ncino.com

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Lebawit Lily Girma | (TNS) Bloomberg News When winter rolls around, travelers predictably turn their attention to beaches. And this year, it’s the destination that comedian Tony Hinchcliffe called “a floating island of garbage in the middle of the ocean” that’s experiencing outsize demand from Americans planning a warm island vacation. Talk about trashing stereotypes. Puerto Rico has recovered overseas visitors (excluding those from Canada and Mexico) faster than any U.S. state or territory — a staggering 85% increase over its 2019 overseas inbound visitor levels as of 2023, according to an October study from the U.S. National Travel and Tourism Office. There are now more daily flights from the U.S. West Coast, and hotel bookings are 6% higher so far in this last quarter of 2024 year-over-year. It’s a trifecta of tourism growth: more visitors, but also longer stays and a higher spend that reached a record $9.8 billion in 2023, boosting small businesses as well as major brands. “We don’t have a slow season in Puerto Rico anymore,” says Brad Dean, chief executive officer at Discover Puerto Rico. Even if they’re not booking, people are dreaming about “La Isla.” By tracking flight searches for trips between November 2024 and February 2025, a measure of “inspirational” demand, tourism intelligence company Mabrian Technologies reports Puerto Rico is up 9% compared with the same period last year and leads Barbados, the Dominican Republic, Jamaica and the Bahamas in the Caribbean proper. Only Costa Rica ranked higher in the wider region. Dean attributes Puerto Rico’s ongoing tourism growth to a strategic effort to reposition the island’s brand as more than a sun-and-sea destination, starting back in 2018. That led to the Live Boricua campaign, which began in 2022 and leaned heavily on culture, history and cuisine and was, Dean says, “a pretty bold departure” in the way Puerto Rico was showcased to travelers. He adds that at least $2 billion in tourism spend is linked to this campaign. “We (also) haven’t shied away from actively embracing the LGBTQ+ community, and that has opened up Puerto Rico to audiences that may not have considered the Caribbean before,” Dean says. Hotels are preparing to meet this growing demand: A number of established boutique properties are undergoing upgrades valued between $4 million and more than $50 million, including Hotel El Convento; La Concha, which will join the Marriott Autograph Collection; Condado Vanderbilt Hotel; and the Wyndham Grand Rio Mar. That’s in addition to ultra-chic options that are coming online in 2025, including the adults-only Alma San Juan, with rooms overlooking Plaza Colón in the heart of Old San Juan, and the five-star Veranó boutique hotel in San Juan’s trendy Santurce neighborhood. The beachfront Ritz-Carlton San Juan in Isla Verde will also be reopening seven years after Hurricane Maria decimated the island. The travel industry’s success is helping boost employment on the island, to the tune of 101,000 leisure and hospitality jobs as of September 2024, a 26% increase over pre-pandemic levels, according to the U.S. Bureau of Labor Statistics. Efforts to promote Puerto Rico’s provinces beyond the San Juan metro area — such as surfing hub Rincón on the west coast, historical Ponce on the south coast and Orocovis for nature and coffee haciendas in the central mountains —have spread the demand to small businesses previously ignored by the travel industry. Take Sheila Osorio, who leads workshops on Afro-Puerto Rican bomba music and dance at Taller Nzambi, in the town of Loíza, 15 miles east of San Juan; or Wanda Otero, founder of cheese-producing company Vaca Negra in Hatillo, an hour’s drive west of Old San Juan, where you can join a cheese-making workshop and indulge in artisanal cheese tastings. “The list of businesses involved in tourism has gone from 650 in 2018 to 6,100, many of which are artists and artisans,” Dean says. While New Yorkers and Miami residents have always been the largest visitor demographic, Dean says more mainland Americans now realize that going to Puerto Rico means passport-free travel to enjoy beaches, as well as opportunities to dine in Michelin-rated restaurants, hike the only rainforest in the U.S. and kayak in a bioluminescent bay. Visitors from Chicago and Dallas, for example, have increased by approximately 40% from July 1, 2023, to June 30, 2024, compared with the same period in 2022-2023, and more travelers are expected from Denver now that United Airlines Holdings Inc. has kicked off its first nonstop service to San Juan, beginning on Oct. 29. Previously, beach destinations that were easy to reach on direct flights from Denver included Mexico, Belize and California, but now Puerto Rico joins that list with a 5.5-hour nonstop route that cuts more than two hours from the next-best option. Given United Airlines’ hub in San Francisco, it could mean more travelers from the Golden State in the near future, too. In December, U.S. airlines will have 3,000 more seats per day to the territory compared with the same period last year, for a total of 84,731 — surpassing even Mexico and the Dominican Republic in air capacity, according to data from aviation analytics firm Cirium. Luis Muñoz Marín International Airport, the island’s primary gateway, is projecting a record volume of 13 million passengers by year’s end — far surpassing the 9.4 million it saw in 2019. As for Hinchcliffe’s “floating island of garbage” line, Dean says it was “a terribly insensitive attempt at humor” that transformed outrage into a marketing silver lining, with an outpouring of positive public sentiment and content on Puerto Rico all over social media. Success, as that old chestnut goes, may be the best revenge. “It was probably the most efficient influencer campaign we’ve ever had,” Dean says, “a groundswell of visitors who posted their photos and videos and said, ‘This is the Puerto Rico that I know.’” ©2024 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.Jonah Goldberg: This is the trouble with Elon Musk's debut as a federal budget negotiator