As the CEO of CRDB Bank, it is my privilege to reflect on the progress we have made and the opportunities that lie ahead. Over the past year, we have reaffirmed our commitment to innovation, sustainability, and financial inclusion while maintaining strong financial performance and operational excellence.

Our vision remains steadfast: to empower communities and transform lives through reliable and globally accessible financial solutions. This year, we have expanded our footprint across the East African region, deepening our partnerships with individuals, SMEs, and corporations. From pioneering digital banking solutions to driving inclusive growth, we continue to set benchmarks for the financial sector.

Sustainability is at the heart of our agenda. We have championed green financing initiatives and promoted environmentally responsible projects, demonstrating our commitment to building a resilient future. Equally, we have focused on fostering a dynamic work culture, ensuring our employees feel valued and motivated to deliver exceptional service to our customers.

Looking ahead, I am optimistic about the opportunities within our reach. Our strategic focus on innovation and adaptability positions us to navigate challenges and capitalize on emerging trends in the financial landscape. I extend my gratitude to our shareholders for their trust, our employees for their dedication, and our customers for choosing CRDB Bank as their financial partner.