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Message from the CEO
I am proud to share that Kaebauk continues to thrive, having provided financial credit to more than 22,000 households. By the end of 2025, we achieved total revenue exceeding USD 10 million and a total loan portfolio of just over USD 45 million.
In addition, Kaebauk has continued to work closely with our counterparts to promote and prioritize financial inclusion across Timor-Leste. Our collective resilience, strong commitment to our clients, and the trust of the communities we serve have been central to the sustained growth of our institution. We reaffirmed our role as a critical player in advancing financial inclusion in Timor-Leste and allocated USD 100,000 to support financial inclusion initiatives—programs that will continue into the future.
To better serve our clients and contribute more broadly to the economic development of Timor-Leste, upgrading Kaebauk’s license from an Other Deposit-Taking Institution (ODTI) to a Level C banking license is a key strategic priority. Kaebauk has operated as a licensed ODTI since 2016, and our long-held aspiration to become a bank is now coming to fruition. Together with the Board, management has established a Business Transformation Committee, which has made strong progress in preparing for the banking license application.
While we have made significant strides from 2016 to 2024, the year 2025 also presented several notable challenges. Client business relocations resulting from government eviction notices, along with increased competition from local banks and other financial institutions, intensified market pressures. These circumstances tested our flexibility and our ability to further support client needs, even as demand for microloans remained strong.
In 2024, Kaebauk successfully completed the upgrade of its core banking system (E-Fimo) and officially went live in March 2024, supported by new back-end servers. Looking ahead to 2025 and beyond, the IT team has conducted cybersecurity penetration testing and is progressing toward the future rollout of internet banking, mobile banking, and agent banking services.
Finally, we remain proud and confident in Kaebauk’s journey. Since becoming an ODTI, our progress has been both successful and productive, laying the foundation for new and ongoing initiatives still to be achieved. Kaebauk will continue to expand access to financial services for historically underserved populations, with the goal of uplifting thousands of families, entrepreneurs, women-led businesses, and communities across the country.
Angelo B.C Soares
Chief Executive Officer-Executive Director.
OUR SERVICES
Services That Works for You
WHY CHOOSE US
Empowering Communities
Building Trust
For over two decades, Kaebauk has been more than a financial institution — we’ve been a trusted partner in helping Timorese individuals and businesses grow. Our commitment to financial inclusion, responsible lending, and community development sets us apart in every service we provide.
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Trusted Experience: Over 20 years of empowering local entrepreneurs across Timor-Leste.
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Inclusive Approach: Bringing financial access to rural and underserved communities.
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Sustainable Impact: Focused on long-term growth and economic stability for all.
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KAEBAUK
Ami Ho Ita
A partner in every step of your journey.
Branches Nationwide
Municiplities Covered
Staff Members
Total Clients Served
(Since March 2016)
Total Loans Disbursed
(Since March 2016)
Total Loan Value Disbursed
(Since March 2016)
$
M
Active Loan Clients
Female Clients
%
Rural Loan Portfolio
%
Loan Portfolio
M
$
A STRUCTURED STEP-BY-STEP LENDING WORKFLOW
Credit Process
Initial Meeting
The client meets Kaebauk’s representative either at the client’s location or at a Kaebauk office.
Document Submission
The client completes and submits all required application documents.
Document Review & Verification
Kaebauk’s representative reviews the client’s documents. This review may include visits to the client’s business and/or home.
Application Approval
Upon successful review of the client’s documents, the loan application proceeds to the approval phase.
Client Training Session
The client is invited to visit the Kaebauk office for a training session on the provisions of the loan agreement.
Loan Agreement Signing
Once the client accepts the provisions of the loan agreement, the loan contract is signed by both parties.
Loan Disbursement
The loan proceeds are transferred into the client’s savings account, from which the client may withdraw funds as needed.
Promotions
FAST. SIMPLE. AFFORDABLE
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Get a Personal Loan at Attractive Interest Rates
Whether you’re planning home improvements, managing education expenses, or investing in your small business — Kaebauk makes it easy. Enjoy quick approvals, flexible repayment options, and competitive rates designed to support your goals and empower your future.
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Flexible Repayments – Tailored loan terms that fit your income and lifestyle.
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Quick Processing – Fast approval and disbursement to help you act when it matters.
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Transparent Rates – No hidden fees — just clear, honest financing.
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