KAEBAUK'S NEWS

Building Trust, Sharing Growth

Women Awards

Kaebauk is honored to announce that our staff member, Mrs. Gracia Eugenia Albino, Chief Chief Compliance Officer, was recognized at this prestigious event, highlighting her leadership and contribution to Kaebauk. Mrs. Gracia Albino was awarded women corporate leader of the year for 2025.

In addition, Kaebauk is especially proud that one of our valued client’s, Mrs. Juneita de Araujo, from the Municipality of Covalima, won the award for “Top Women-Led Business Owner of the Year” for 2025. Her achievement reflects the strength, resilience, and innovation of women entrepreneurs supported by Kaebauk.

This event was particularly meaningful for Kaebauk, as it demonstrated both the strength and success of one of Kaebauk’s senior management team member’s and the positive impact of a successful Kaebauk loan within the community.

Kaebauk remains firmly committed to supporting women in leadership within the organization and entrepreneurship for our clients. We strongly believe that empowering women leads to improved household livelihoods, increase diverse economic activity, and will lead to a a stronger national economy, while also inspiring future generations of women leaders..

Mrs. Gracia Albino - Chief Compliance Officer at Kaebauk Investimentu no Finansas, S.A. (Women Corporate Leader 2025)

Woman Corporate Leader of the Year: This category honors a top female executive who has shown exceptional leadership and management skills in her role.

From Company Secretary to Chief Compliance Officer – A Decade of Dedicated Service and Leadership with Broader Contributions to Agriculture and Health.

Mrs. Juneita de Araujo - Client Kaebauk Investimentu no Finanasas, S.A. (Top Women Led Business Owner of the year 2025

Recognizes a female business owner who has successfully led her business for more than 3 years, demonstrating excellence and leadership.

Kaebauk Client Mrs. Junita De Araujo. From a microloan client to one of the most successful SME clients in Kaebauk - setting an example for all Business Owners to diversify their income and promoting the importance of Business planning & use of Digital Marketing.

Environmental & Social Governance (ESG)

In 2025, Kaebauk continued to strengthen its commitment to implementing effective Environmental, Social, and Governance (ESG) management practices across its operational activities, while ensuring compliance with the Company’s ESG Policy. At the same time, Kaebauk remains attentive to ESG-related legislation in Timor-Leste and to relevant international best practices that may be adopted in the future.

Kaebauk’s ESG commitment has been reinforced through participation in a series of two-day ESG training programs delivered by Agents for Impact (AFI).

These trainings were conducted across three different periods and locations:

Ubud, Bali, Indonesia (2023), attended by Mr. Antonio H. Soares, Chief Development & Marketing Officer;
Valencia, Spain (2024), attended by Mr. Antonio H. Soares and Mr. Tarsisio da Costa, Deputy CEO – Business & Operations; and
Ubud, Bali, Indonesia (2025), attended by Mr. Jacob Neto, representing Kaebauk.

The training programs emphasized the importance of ESG principles for financial institutions and covered key topics such as the Global Reporting Initiative (GRI) framework, ESG corporate strategy and alignment, and sustainability practices within microfinance institutions. Participants also examined case studies, assessed waste impacts in the tourism sector, and explored the United Nations Sustainable Development Goals (SDGs) as global sustainability benchmarks.

🌱 During the first day of the training, participants gained a strong foundation in ESG principles and explored how corporate strategies can be transformed to support long-term sustainability and resilience.

🌱 Key topics included sustainability and climate-related risks and their impacts on financial institutions, as well as balancing Net Zero commitments with Diversity, Equity, and Inclusion (DEI) objectives within ESG strategies.

🌱 The training also featured practical components, including simulated exercises and interactive activities, which challenged participants to develop solutions aligned with ESG principles and to apply sustainability concepts in real-world scenarios.

🌱 In addition, participants had the opportunity to observe ESG in action through a field visit to sustainable and eco-friendly landscapes, providing practical insights into environmental stewardship and responsible development.

Looking ahead, Kaebauk will continue to prioritize and integrate ESG practices throughout 2025. In 2026, the Company plans to further strengthen its ESG framework by engaging a third-party organization to conduct an independent ESG assessment and to develop a long-term ESG action plan. This initiative will enable Kaebauk to align with global ESG standards, obtain an official assessment of its current ESG performance, and implement tailored actions that reflect both Kaebauk’s operational context and the regulatory and social environment of Timor-Leste.

Kaebauk held an important event with the European Investment Bank (EIB)

On 29 May 2026, Kaebauk Investimentu no Finansas, S.A. attended the seminar titled “Promoting Private Sector Development for Equitable
Development” at JL World, Rua Metiaut, Cristo Rei, Dili Timor-Leste. One of the key highlights of the event was the signing of the Official
Statement of Intention between European Investment Bank (EIB) and Kaebauk. The partnership aims to support investments in climate action,
agriculture micro-enterprises, Small and Medium-sized enterprises (SMEs), the blue economy, and women’s empowerment in Timor-Leste.

The signing event brought together prominent figures from the country’s political, financial, and diplomatic sectors, underscoring the international significance of this partnership. Notable attendees included:

Vice Minister for ASEAN Affairs of Timor-Leste
EU Ambassador to Timor-Leste
Representatives from the Central Bank of Timor-Leste
Representatives from the World Bank Group
Representatives from the Asian Development Bank (ADB)
Other key entities and private sector development partners

This operation reinforces the growth trajectory of Kaebauk, which currently serves more than 22,000 clients nationwide. The deployment of this
new fund reaffirms the confidence of international financial institutions in KIF as Timor-Leste's premier fully licensed microfinance institution,

driving sustainable development across the country's private sector.