Annual Integrated Report

The report describes a resilient 2025, with DBH maintaining an NPL ratio of 0.84% amid sector-wide credit stress. It highlights the company's first comprehensive measurement of Scope 1, 2 and 3 emissions, totaling 25,744.99 tCO2e, with financed emissions dominating the footprint. The report also records 431 employees at year-end and continued expansion of affordable housing lending. Sustainability disclosures were aligned with IFRS S1 and S2, and the company used a double materiality assessment to identify 14 material topics.