2021 has passed, a year that we have had a difficult, unpredictable year as COVID-19 has affected how we work, customers’ needs and the priorities for our employees. If we are looking backward and reflect on the past 2021, we will see that the more importance of how we all will lead the company to achieve its goals as we are looking forward to 2022. Despite these uncertainties, we continue to grow and expand our capacities to serve our customers and provide quality projects, build our operating system, and invest in human resources to be more efficient for our businesses to succeed in the market. Therefore, we are ready to prepare for a successful operation in 2022.

For the last two years, we have had a significant impact on our day-to-day operations as we have not changed our overall goal of developing strategies and initiatives to support our vision of a "Your trusted partner".

To support those needs, we will continue to expand our strategy nationwide, providing innovative solutions and complete services to address the overall needs of our customers through our strategy.

Main Achievements in 2021

Bamboo managed to achieve 399 percent year-on-year growth in Net Profit After Tax to reach US$ 223,422 (2020: US$44,745) in spite of the outbreak of the COVID-19 pandemic, which impacted economic activities in 2021. This generated the Return on Equity of 9.01 percent and Return on Asset of 1.81 percent.

Total loans outstanding at the end of 2021 were US$11.61 million increased by 47 percent, while the portion of the portfolio at risk for more than 30 days was only 1.96 percent. The number of borrowers increased by 39 percent to around 7,050. Bamboo provides loans to all kinds of customers and sectors to use for their own business or personal use. Bamboo focuses on customers in suburban areas with low and medium standards of living as well as micro and small business customers who wish to expand their business activities. At the end of 2021, Bamboo has 2,647 female borrowers and 4,403 male borrowers.

This outstanding achievement is the result of adhering to the principles of effective leadership, good governance, integrity, excellence, trustworthiness, as well as high commitment and perseverance.

Finally, I would like to express my sincere thanks to our customers, board of directors, management and staff for their support, hard and smart working and highlycommitted to performing their work with integrity, ethics,professionalism and accountability in anticipation of happy and prosperous coming years.