Dear Valued Shareholders & Stakeholders,

I am delighted to extend a warm welcome to you on behalf of ABK. As the Chairman of our esteemed Bank, I am honored to share our vision, progress, and commitment to creating sustainable value for our shareholders and stakeholders.

At ABK, we believe in the power of innovation, resilience, and strategic thinking. Our journey has been marked by significant achievements, and we are resolutely focused on building a future that is not only prosperous but lays the foundation for a transparent, accountable, and ethical business environment. We also have a fiduciary duty to our clients and shareholders to act in their best interest. Upholding this means always putting their needs first, fostering a culture of trust and fairness, and complying with all legal and regulatory obligations.

Sustainability is integral to our business strategy. We are committed to minimizing our environmental footprint, upholding ethical business practices, and fostering a diverse and inclusive workforce. Through these efforts, we not only aim to create lasting value for our shareholders but also contribute positively to the communities in which we operate. This includes maintaining a high standard of risk management, encouraging responsible lending practices, and promoting ethical behaviour across all our business dealings.

We believe in transparent and open communication with our investors to provide the insights you need to make informed decisions about your investment in ABK. As you explore the Investor Relations section of our website, you will find comprehensive information about our financial performance, strategic direction, and imperative ABK updates for investors.

I would like to express my gratitude to our dedicated employees, supportive partners, and of course, our shareholders, for their continued trust and commitment.

Thank you for your interest in ABK. We look forward to fostering a strong relationship with you.

Best Regards,

Talal Mohammed Reza Behbehani
Chairman