Dear Shareholders,

The Arab International Bank aims to protect the rights of all shareholders, customers, and employees, while ensuring the provision of high-quality financial services that meet their needs and aspirations. This is achieved through the implementation of governance policies and procedures, which serve as a general culture and a sustainably applied strategy.

Being a cornerstone of the bank’s culture and an essential pillar for ensuring the trust of all our stakeholders, the Arab International Bank Board of Directors believes in the important role of governance as a fundamental value in conducting its business.

Accordingly, we have established a well-structured and robust governance framework designed to facilitate the decision-making process and foster strong relationships with the bank’s stakeholders. This framework is embodied in a transparent organizational structure that clearly reflects the supervisory role of the Board of Directors and the executive role of the Senior Management. Additionally, it ensures high-quality disclosures and mitigates risks encountered by the bank in its regular operations.

The Board of Directors believes that this framework should possess characteristics that contribute to effective governance, support continuous development, and apply best practices in a rapidly and continuously changing business environment while ensuring integrity and fairness for all parties. This framework aligns with the bank's strategic objectives and reflects the applicable regulatory and guiding principles, including the banking governance instructions issued by the Central Bank of Egypt and related complementary instructions concerning the regulatory environment.

In conclusion, I would like to express my sincere gratitude to the Board of Directors, who are the fundamental driving force and key partners in developing and achieving our desired plans and strategies. I also extend my appreciation to the Senior Management Team as well as the bank’s employees, for being the main factor in achieving the bank's successes.

We look forward to exerting more efforts in the coming years, with greater creativity to maintain the distinguished position of the Arab International Bank in the Egyptian banking sector.