Dear Valued Clients,

FY 2025 was a year that tested our resilience and demonstrated the strength of FINBANK s.a. Despite a challenging operating environment, the Bank delivered a solid improvement in performance, with Profit Before Tax rising by 49% compared to the previous year. Both operating income and total assets grew meaningfully, reflecting the dedication, professionalism, and discipline of our teams across the institution.

A major milestone during the year was achieving the BRB regulatory capital requirement of BIF 30 billion. This was made possible through the confidence and commitment of our shareholders who supported the Bank with a capital injection combined with the profitability generated throughout the year. This strengthened capital position provides a robust foundation for the growth and transformation ahead.

As we enter 2026, our foundations are stronger, our direction is clearer, and our ambition is greater. Under the leadership of Mr. Willy Rwankineza as Managing Director, we remain committed to expanding our business, deepening client relationships, and accelerating our evolution into a more dynamic and digitally capable institution.

We are not simply operating a bank. We are building an institution that matters for businesses, for communities, and for the future of Burundi.

Thank you for your trust and partnership on this journey.

Mr. Hassan Hannouf

Chairman, Board of Directors

FINBANK S.A.