Financial Report

The report presents 2024 profit before tax of USD 16 458 564 and total income of USD 25 903 202, alongside a 32.8% CET1 ratio. Its ESG disclosures describe responsible lending, ESG integration into credit decisions, UN Global Compact membership, selected SDGs 5, 8, 14 and 16, and Board-level responsibility for ESG. The report also states that 39% of employees and 43% of the seven board members are female, while noting no serious occupational accidents or incidents resulting in significant material damage or personal injury.