CalBank PLC Announces its Annual Report for the Full Year 2023

The year 2021 was characterised by slow economic growth globally with concomitant impact on our local economy largely arising from the continuous ravaging effect of the pandemic on individuals and businesses. Management and staff demonstrated remarkable resilience and resourcefulness as we embraced
new ways of working.

Insurance
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Corporate Financing
How we are performing on the GSE

Chairman's report

Building an organisation which is resilient and sustainable in the long-term

Over the past 12 months, we have confronted the
interlocking challenges facing our world. It has been a
year of economic uncertainty, with the banking sector
facing arguably the biggest macroeconomic challenges
of the modern era. Despite these external obstacles, the
progress we have made at CalBank, as detailed in this
report, is more impressive, albeit fraught with a significant
downgrade in our credit portfolio, mainly from one single
large exposure.

Corporate governance

Build and sustain shareholder value

At CalBank, we are committed to the highest standards of corporate governance.