Dear Shareholders,

It gives me great pleasure to share with you these remarkable and exceptional milestones in the journey of our long-established bank, which prompt me to reaffirm my conviction that what we accomplished during 2025 represents an unprecedented achievement in the Bank's history. This success would not have been possible without the sincere dedication, close collaboration, and strong sense of belonging that unite us all within this institution.

Despite the numerous challenges facing both the domestic and global markets, these circumstances only strengthened our determination to respond proactively and with agility through forward-looking and flexible strategies. As a result, we delivered exceptional performance across all key indicators, strategic objectives, and growth metrics, reinforcing our Bank's position among the strongest banks operating in the Egyptian market.

The Bank delivered an outstanding financial performance during the year. Net profit reported in the separate financial statements reached USD 125.2 million, representing an increase of USD 47.8 million, reflecting a growth rate of 62% compared with 2024. On a consolidated basis, the Bank reported a net profit of USD 196.9 million, reflecting an increase of USD 51 million, representing a growth rate of 35% compared with 2024.

Total assets, as reported in the separate financial statements, reached USD 7,650 million, representing an increase of USD 3,024 million compared with December 2024, reflecting a growth rate of 65%. On a consolidated basis, total assets amounted to USD 11,142 million, representing an increase of USD 3,768 million compared with December 2024, representing a growth rate of 51%.

As of 31 December 2025, the consolidated financial statements reflected a return on paid-up capital of 30.35% and a return on average shareholders’ equity of 16.84%, compared with 21.50% and 13.28%, respectively, as of 31 December 2024. These results represent a strong return in terms of U.S. dollar performance.

At the level of separate financial statements, the return on paid-up capital reached 20.87%, while the return on average shareholders’ equity was 12.69% as of 31 December 2025, compared with 12.91% and 8.38%, respectively, as of 31 December 2024. These results likewise represent a strong return in terms of U.S. dollar performance.

Customer deposits reached USD 6,400 million, representing an increase of USD 2,792 million, reflecting a growth rate of 78%, compared with December 2024, driven by growth across all business segments. Meanwhile, the Bank's loan and advances portfolio to customers and banks increased to USD 630 million, representing an increase of USD 160 million, representing a 34% increase compared with December 2024.

Our achievements this year extend beyond profitability and enhanced asset quality. We also maintained a robust capital adequacy ratio, calculated on a banking group basis in accordance with the regulations of the Central Bank of Egypt, reaching 22.58% as of December 31, 2025, compared with the minimum regulatory requirement of 12.50%, including the capital conservation buffer, as prescribed by the Central Bank of Egypt.

The Bank also continued to expand and enhance its digital banking services, recognizing technology as a key strategic enabler and a source of competitive advantage for both our retail and corporate customers. Accordingly, we continued to strengthen our digital offerings to keep pace with evolving customer needs and expectations, enabling the Bank to provide the latest technologies available in the banking industry.

Our branch network has expanded from 9 branches in 2016 to 24 branches by the end of 2025. In addition, a new branch was inaugurated in April 2026, bringing the total number of branches to 25, while preparations for another branch are nearing completion, with its opening scheduled later this year. We are also establishing and outfitting the Bank's new Head Office in the New Administrative Capital.

In keeping with our commitment to ensuring that all stakeholders share in the success achieved during the year, the Board of Directors has recommended that the General Assembly approve the distribution of first and second cash dividends to shareholders for the current year, totaling USD 70 million, compared with USD 30 million distributed last year. The Board has also recommended increasing the number of months' salary to be awarded to employees as an annual bonus this year.

In closing, I would like to express my sincere appreciation to the members of the Board of Directors for their continued guidance and support. I also extend my deepest gratitude to the Bank's executive management and all employees for their unwavering dedication and tireless efforts.

We look forward to another year of continued achievement and sustained growth. On behalf of myself and the Board of Directors, I would also like to thank our valued customers and all those who do business with the Bank for their continued support and trust, which we have always greatly valued and deeply appreciated. We reaffirm our unwavering commitment to delivering distinguished banking services of the highest standard.