On behalf of the Board of Directors and in my personal capacity, I am honored to extend my sincere appreciation for the confidence you have placed in our institution. Your continued trust is the foundation of our progress and the driving force behind our commitment to deliver exceptional Islamic banking services across Libya.

Over the past year, the Libyan Islamic Bank has taken meaningful steps forward—strengthening our governance, enhancing operational efficiency, and investing in modern infrastructure, particularly in digital banking technologies. These developments were achieved amidst significant economic challenges both locally and globally, including inflation, liquidity constraints, and uncertainty across international markets.

Despite these conditions, our team remained steadfast and united in our mission. Through strategic planning, sound risk management, and unwavering dedication, we were able to ensure financial stability, maintain consistent profitability, and deliver reliable services to our clients. We are especially proud of our ability to adapt and evolve—turning challenges into opportunities for innovation and growth.

Looking ahead, our vision remains clear: to position LIB as a trusted leader in Islamic banking, one that embodies operational excellence, ethical finance, and long-term value for all stakeholders. We are committed to expanding the diversity of our offerings, deepening customer relationships, and aligning our services with international best practices—all while staying true to the principles of Shariah-compliant banking.

As we move forward, I would like to express my deepest gratitude to our shareholders, customers, Board members, the Shariah Supervisory Board, the Audit Committee, and the executive and operational teams. Your contributions, support, and belief in our shared mission are instrumental to our continued success.

May Allah Almighty guide us in our efforts to serve our nation and contribute to a prosperous future for Libya.