As we celebrate Izola Bank's 30th anniversary, I feel it opportune to reflect on our evolution and achievements over the years. Founded by my father, Carl, in 1994, Izola Bank began as an in-house bank serving the Group and its suppliers' needs. Over the years, we've grown into a trusted credit institution, expanding our services to external customers while steadfastly adhering to our family values and commitment to community impact.

Our approach to banking is rooted in integrity, innovation and partnership. We prioritise digital-based processing and collaboration with trusted partners to deliver seamless financial solutions to our clients. From factoring to savings platforms, we aim to empower businesses and individuals to thrive in an ever-changing world.

Looking ahead, we remain dedicated to diversifying our banking and factoring product offerings to meet the financial needs of a varied business and personal customer base in Malta and Europe. Our recent relocation to Castille Place in Valletta symbolises our firm commitment to Malta.

I want to thank our valued clients, depositors, bondholders and team for their unwavering trust and support. Together, we have built a legacy of excellence and resilience that will guide us forward as we continue to navigate the complexities of the financial landscape.

Thank you for being an integral part of our story.

Here's to 30 years of progress, partnership and prosperity.

Caroline van Marcke

Chairperson

Reflecting on the history of Izola Bank since its formation, I feel especially thankful for the overall evolution and numerous achievements along the way. Throughout the years, I have witnessed our team's unwavering commitment to driving our bank forward by embracing innovation while upholding our core values. While technology has undoubtedly played a pivotal role in our success, it is ultimately the dedication and passion of our people that have been the driving force behind our stability and growth.

Looking towards the future, I am confident in the resilience of Izola Bank and the opportunities that lie ahead. Our foundation is strong, our vision is clear and our team is poised to overcome any challenges that may arise. Together, we will continue to navigate the ever-changing banking landscape, always guided by our commitment to excellence and integrity.

As we embark on the next chapter, I extend my heartfelt gratitude to our team, clients and stakeholders for their unwavering support and trust.

Leading Izola Bank thus far has been an honour and a privilege, and I am excited about the future possibilities that await us.

Andrew Mifsud

CEO