Ladies and Gentlemen, Visitors of the Official Website of Ashur International Bank for Investment,

It is my pleasure to welcome you to the official website of Ashur International Bank for Investment, and to address you at an important stage in the Bank’s journey; a stage marked by accelerating economic, financial, and technological transformations, as well as growing requirements for institutional development, sound governance, compliance, digital transformation, and the enhancement of trust in the banking sector.

Over the past years, the Bank has established an important foundation for its journey, built on accumulated experience, achievements, and institutional growth. This places upon us today a greater responsibility to build on what has been achieved, and to develop a banking model that is more efficient, resilient, and capable of keeping pace with the requirements of the next phase, serving customers, enhancing shareholders’ interests, and actively contributing to the support of the national economy.

The banking sector is currently undergoing a profound transformation that is not limited to the development of products and services, but also extends to the efficiency of capital management, the strength of business models, the quality of internal control systems, the effectiveness of risk management, and the ability to employ technology to improve performance and enhance the customer experience. From this perspective, the Board of Directors of Ashur International Bank for Investment believes that sustainable banking excellence is not based on financial results alone, but on an integrated system of effective governance, sound management, institutional discipline, responsible innovation, and commitment to regulatory and professional standards.

During the coming phase, and in cooperation with the executive management and all the Bank’s staff, we will work to strengthen the Bank’s financial and institutional structure, develop its ability to manage capital efficiently, support well-studied expansion, diversify revenue sources, improve the quality of banking services, and build a stronger and more sustainable relationship with customers, shareholders, and partners.

Institutional and digital transformation will also receive particular attention among the Bank’s priorities, as a strategic pillar for business development and operational efficiency, rather than merely a technical option. We will ensure well-planned investment in technological infrastructure, the development of digital capabilities, and the enhancement of integration between technology and banking operations, enabling the Bank to respond to market requirements, improve service quality, and reinforce its long-term competitiveness.

In this context, we highly value the pivotal role played by the Central Bank of Iraq in consolidating monetary and financial stability, strengthening the resilience of the banking sector, and developing regulatory and supervisory frameworks in line with best practices. We also express our appreciation to the Iraqi Private Banks League for its efforts in supporting banking activity, enhancing cooperation among banks, and contributing to the development of the banking environment in a manner that serves the national economy and strengthens confidence in the financial sector.

The human element remains at the heart of our vision. The Bank’s success is the result of collective work based on integration among the Board of Directors, executive management, the Bank’s employees, shareholders, customers, and partners. Accordingly, we will continue to support a culture of high performance, empower talents, and promote an institutional environment founded on professionalism, accountability, transparency, and initiative.

Our commitment to shareholders lies in working to enhance the long-term value of their investments through prudent resource management, the development of income sources, and achieving a balance between growth and risk. We also affirm our commitment to our customers by providing secure and advanced banking services that meet their needs, keep pace with their aspirations, and strengthen their confidence in the Bank.

In the coming phase, we look forward to consolidating the position of Ashur International Bank for Investment as a leading financial institution that is resilient, competitive, committed to the highest professional and regulatory standards, and actively contributes to supporting sustainable economic development in Iraq.

Please accept my highest respect and appreciation.

Abdul hakeem omar awadh al-ojaili

Chairman of the Board of Directors