ForteBank reported a net profit of KZT 191.0 billion for 2025, with return on equity (ROE) reaching 32.9% - one of the highest levels in Kazakhstan’s banking sector. Throughout the year, the Bank strengthened its market position, increasing its share to 10% across total assets, loan portfolio, and deposit base. A key milestone was the completion of the acquisition of Home Credit Bank Kazakhstan, reinforcing ForteBank’s position in the retail segment and creating additional opportunities for business scaling. Total assets grew by 49% year-on-year to KZT 6.1 trillion. Net interest income increased by 19.5% to KZT 313.9 billion, driven by loan portfolio expansion and improved asset yields. Equity rose by 36% to KZT 774.9 billion, supporting a strong capital buffer well above regulatory requirements. The deposit base expanded by 50% to KZT 4.3 trillion, reflecting high customer confidence and stable funding. The loan portfolio more than doubled, growing by 103% year-on-year. Retail lending was the primary driver, with the portfolio nearly tripling on the back of growth in consumer loans, including the contribution of Home Credit Bank, auto lending, and digital sales channels. SME and corporate segments also demonstrated steady growth, supported by increased financing in priority sectors of the economy. ForteBank recorded the highest loan portfolio growth among second-tier banks. The integration of Home Credit Bank contributed significantly to the retail business, accounting for 44% of the retail loan portfolio and 32% of the retail deposit base. Asset quality remained solid, with the non-performing loan (NPL) ratio at 4.7% and a coverage ratio of 86%, significantly above market averages. The Bank continues to maintain a strong capital position, with a K2 capital adequacy ratio of 21.4%, comfortably exceeding regulatory requirements. In 2025, ForteBank further strengthened its capital base through the successful placement of USD 400 million in perpetual subordinated bonds (Additional Tier 1). Digital transformation remains a key pillar of ForteBank’s strategy. The Bank continues to expand its digital ecosystem, increase the share of online sales and transactions, and enhance operational efficiency through advanced analytics and technology development. Looking ahead to 2026, ForteBank plans to sustain its growth momentum, focusing on the development of its digital ecosystem, further integration and scaling of Home Credit Bank, expansion of retail and SME offerings, and maintaining strong profitability and capitalization. The Bank remains committed to sustainable growth and operational excellence.

About ForteBank ForteBank is one of the largest private banks in Kazakhstan, providing a wide range of services to corporate, retail, and SME clients. The Bank consistently ranks among the leaders in terms of assets and capital, actively implements digital solutions, supports sustainable financing, and has received international awards for innovation and quality of customer service. License of the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan: No. 1.2.29/197/36 dated February 3, 2020, issued to ForteBank JSC. — Press Contacts ForteBank JSC press@fortebank.com +7 (7172) 599 999 Investor Relations Contact ForteBank JSC ir@fortebank.com