Dear Shareholders,

It is my pleasure to present to you the Arab International Bank's 2025 Annual Report, which reflects a year marked by significant risks and challenges. The Bank's achievements during the year were the result of a balanced approach founded on sound corporate governance and effective oversight, strengthening our ability to adapt to changing circumstances while successfully delivering on our strategic objectives.

Throughout the year, the Board of Directors remained focused on reinforcing the principles of good corporate governance, promoting proactive risk management, and maintaining a strong capital position that safeguards our shareholders' interests and supports the Bank's long-term financial stability.

During 2025, we navigated a domestic and regional economic landscape characterized by profound transformation. While the region experienced geopolitical shocks and heightened tensions that weighed on financial and credit markets, the Egyptian market underwent a strategic shift in monetary policy toward monetary easing and the gradual reduction of interest rates. Against this evolving backdrop, the Arab International Bank's unique business model once again proved to be a source of strength and stability. Supported by our well-balanced financial structure, we successfully managed risks, enhanced our financial resilience, improved our operational efficiency, and delivered solid growth and performance that reflect our institutional ambitions and our unwavering commitment to all stakeholders.

In closing, I would like to express my sincere appreciation to our customers and shareholders for their continued trust and support. I also extend my gratitude to my fellow members of the Board of Directors for their wise leadership, and to the Chief Executive Officer and Managing Director, the senior management team, and all employees of the Arab International Bank for their dedication and outstanding achievements throughout a year of exceptional performance.