Integrated Report and Financial Statements

The report presents Family Bank Group's 2025 financial and sustainability performance, including sustainability integration across operations and lending, renewable-energy and efficiency initiatives, and a bank-wide Environmental and Social Management System. It reports 2025 climate targets of 29% reduction for Scope 1 and 2 emissions and 17.5% for Scope 3 emissions by 2030 against a 2023 baseline. The people section reports workforce gender parity, board gender parity, training, wellbeing, and community programmes, while the financial statements show strong Group profit and balance-sheet growth.