Assalamu Alaikum,

I address you at the end of our 2024 year with mixed feelings of optimism and ambiguity.

The period was marked by a balancing act where Bangladesh experienced a mixture of economic resilience, infrastructure development, and social progress, alongside significant political unrest, economic challenges, and natural disasters. While the country continued to make strides in areas like digital transformation, healthcare, and climate adaptation, it also faced rising political tensions, inflation, and vulnerability to natural disasters and environmental degradation.

How Bangladesh navigates the challenges will likely determine its long-term political stability and economic trajectory.

I want to acknowledge the incredible efforts of our ACI family during what has undoubtedly been a difficult period. These times have tested us in ways we could never have anticipated, but I firmly believe that challenges are the breeding ground for resilience, growth, and eventual success. This company has faced hardships, but we are not defined by the obstacles in front of us, we are defined by how we respond to them.

Our purpose has always been greater than the immediate challenges. We are building something meaningful, not just for ourselves, but for our customers, our families, and the community.

Thank you for standing by us-not just as investors, but as true partners in this journey. Your support empowers us to continue striving toward excellence, and it motivates us to keep pushing forward, no matter how difficult the road may seem. Together, we will overcome these challenges and continue building a strong, sustainable future

M. Anis Ud Dowla

Chairman, ACI Group