Message from The Chairman Of Global Treasure bank

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Dear Esteemed Shareholders arud Customers,

I am pleased to extend my warmest wishes for auspiciousness, physical and mental ' wellbeing to all of you. Our Global Treasure Bank Public Company Limited was founded on 15 February 1996 under the name of Myanma Livestock and Fisheries Development Bank. Its name was changed to "Global Treasure Bank Public Company Limited" on 1 July 2013 and providing banking and financial business to the customers continually.Global Treasure Bank has almost 23 years of experience in offering banking services.As long as the Bank's experience in services, bank's development is also accelerated and moving forward in parallel with other private banks as well. As at 1 January 1999 the bank had a total of 4 branches including Head Office only. Since then, we have opened many bank branches throughout the country.

Nowadays, our branches network has a total of 156 branches. Among the private bank GTB is fourth in term of bank branches network in Myanmar, more new branches will be opened during 2018-2019 frnancial year.As the more and more gaining public's trust and reliance on Global Treasure Bank, public 'cash deposits also increased continually. In line with Financial Institutions Law, Board of Directors of the bank formed five committees namely Risk Management Committee, Audit Committee, Remuneration Committee, Credit Committee and Liability & Assets Committee.Credit Committee is providing loan to entrepreneurs with systematic screening. Due to the accelerated momentum of the bank's financial business and achievements, GTB was ranked the top six tax payers among 1,000 tax paying companies, and in second position among all private banks in the country in 2014-15 income year. In 2015-2016 income year, GTB was ranked top six tax payer and in third position among all Myanmar Banks. In 2016-2017 income year, GTB was ranked eleventh tax payer among 1,000 tax paying companies and in third position among all banks accordingly.

With the permission of the Central Bank of Myanmar (CBM), Global Treasure Bank has been- established correspondent banking relationships with UOB (United Overseas Bank of Singapore), FGB (First Gulf Bank of Singapore), OCBC (Oversea Chinese Banking Corporation Limited of Singapore), UBI(United Bank of India), Vietin Bank of Germany, Krung Thai Bank of Thailand, BIDV Bank (Yangon), Shinhan Bank Korea, Kasikorn Bank of Thailand and ICBC (Yangon Branch) which are Myanr4ar's major trading partners, to serve the needs of our customers in international banking and trade finance services. GTB in cooperation with Western Union Company of USA has been offering international money transfer services successfully with over 200 countries. In order to banking services modernization and development, financial cooperation is being carrying out with overseas banks from Japan, China, Thailand, Malaysia and India regarded as first priority for cooperation and other international banks are under discussion and negotiation for further cooperation.

With regard to technical cooperation with Infosys, Core Banking System will be go live in November 2018. GTB is pursuing continuous effort in order to provide modern banking service same as other financial institutions. So GTB in cooperation with China based Union Pay International (UPI GTB i going to issues International Credit Cards (GTB-UPI Credit Card) customers can used in local and over 160 countries as well.In order to issue such Credit Card GTB hired Card Management System (CMS) of China Union Pay Data Services(CUP-Data) Company as a prerequisite from outsourcing. Now, inserting necessary parameters, testing of off-line and online program are successfully implemented andthen Core Banking System will Go-Live in November 2018. As a public company, GTB plans to be listed on Yangon Stock Exchange. GTB objective is to reward our shareholders with capital gain rather than mere dividend payout over the long term.

GTB is active participation in Corporate Social Responsibility for the benefit of social societies in 2015-2016 financial year Global Treasure Bank donated Kyats 1,011 lakh, in 2016-2017 financial year donated Kyats 364 laldtand in 2017-2018 financial year Global Treasure Bank donated over Kyats 1,038 lakh in Corporate Social Responsibility Program for the wellbeing of Social Societies in the field of health care, natural disasters rehabilitation, community development etc. So far, a total of Kyats 2,413lakh donated for CSR activities.Even though Global Treasure Bank is pursuing to provide financial assistance to the public and continuous arrangement and implementation are being done continually for the profit of our shareholders. As we pursue,banking technology development and modemization, and financial business development in line with our motto "Your Dream, Your Success, Global Treasure Bank". I firmly confident that Global Treasure Bank could continue to be one of the leading banks in domestic and international banking services in the Republic of the Union of Myanmar.

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