We want banks to be able to modernise their technology with confidence, capability and flexibility, and to serve their customers, staff and communities better. In the first year of our strategic plan, we grew faster than the market and strengthened our position. Our growth has three main drivers: strengthening our leadership in our product portfolio, developing modular core banking solutions for tier-1 and tier-2 banks, and expanding into adjacent technology and specialist solutions where demand is growing.

As banks modernise their technology, they are also grappling with greater regulatory complexity, operating costs and pressure from new digital competitors. This is pushing them toward technology platforms that are flexible, reliable, quick to implement, and cost-effective over the long term. Reducing complexity, using an integrated platform instead of several technology vendors and achieving measurable operational gains are now among financial institutions’ top investment priorities.

We are continuing to invest in technological innovation. We have launched our first AI agent, built jointly with customers. Drawing on deep experience of the banking sector and the trust of our customers, we are developing technology that can solve their real problems. Our strategy is clear. We will implement the plan with discipline, invest where it matters and stay focused on creating long-term value for shareholders, customers and employees.