• • Cover Page00
  • Cover Story01
  • Content02
• OUR BANK
  • About Us 04
  • About this Report 06
  • Financial Highlights 08
  • A Snapshot of the Bank 09
  • Our Products 10
• OUR LEADERSHIP
  • Chairman’s Message 16
  • Chief Executive Officer’s Review 20
  • Board of Directors 24
  • Corporate Management 30
  • Chief Managers 32
  • Senior Management 34
• OUR VALUE CREATION STORY
  • Operating Environment 39
  • Stakeholder Needs and Expectations 42
  • Material Matters 45
  • Our Value Creation Model 48
  • Delivering on Our Strategic Ambitions 50
  • Approach to Sustainability 54
  • Managing our Risks 58
• HOW WE PERFORMED
  • Financial Capital 70
  • Social and Relationship Capital 74
  • Manufactured Capital 82
  • Human Capital 84
  • Natural Capital 88
  • Intellectual Capita 91
• CORPORATE GOVERNANCE AND STEWARDSHIP
  • Message from the Chairman on Corporate Governance 94
  • Governance and Compliance 95
  • Compliance Status 99
  • Report of the Board Integrated Risk Management Committee 127
  • Report of the Board Audit Committee 128
  • Report of the Board Human Resources and Remuneration Committee 131
  • Report of the Board Selection and Nomination Committee 132
  • Report of the Board Related Party Transactions Review Committee 133
  • Report of the Board Strategic Planning Committee 134
  • Report of the Board Credit Committee 135
• FINANCIAL PERFORMANCE
  • Financial Calendar 137
  • Annual Report of the Board of Directors on the Affairs of the Bank 138
  • Directors’ Statement on Internal Control over Financial Reporting 148
  • Independent Assurance Report 150
  • Chief Executive Officers’ and Chief Financial Officers’ Responsibility Statement 151
  • Statement of Directors’ Responsibility for Financial Reporting 152
  • Independent Auditors’ Report 153
  • Statement of Comprehensive Income 156
  • Statement of Financial Position 157
  • Statement of Changes in Equity 158
  • Statement of Cash Flows 159
  • Notes to the financial statements 160
• SUPPLEMENTARY INFORMATION
  • Ten Years at a Glance 243
  • Disclosures as per Pillar III of Banking Act No. 1 of 2016, Capital Requirements under Basel III 246
  • Sources and Utilisation of Income 254
  • Quarterly Performance of the Bank 255
  • Investor Relations 256
  • Abbreviations 267
  • Glossary of Terms 269
  • 25th Annual General Meeting 275
  • Note276
  • Corporate Information277