CHAIRMAN’S REVIEW

Dear Valued Shareholders,

Thank you for trusting us with your investments in the capital of AfrAsia Bank Limited. This is the Bank’s first Integrated Report 2018, detailing a year of further consolidation of its financial soundness and business model for enhanced value creation for all our stakeholders. The Bank has produced another good performance while keeping up its transformation drive to a more client-focused organization.

MAURICE LAM

Chairman

CEO’S MESSAGE

Dear Valued Partner,

The financial year ended June 2018 has been marked by significant achievements. We moved ahead on our journey to be a reference in customer service and employer of choice in the banking industry. We kept pace with the challenging business environment as well as economic, social, regulatory and technological changes. I am pleased to share with you our first Integrated Report. This provides a clear roadmap of the Bank’s activities as well as its preparedness to create and sustain value for all its stakeholders. It looks at the nterconnectedness of financial, human, intellectual, natural, manufactured, social and relationship capital.

SANJIV BHASIN

Chief Executive Officer