Sapphire is often regarded as the gemstone of prosperity. It symbolises prosperity that is patiently built through wisdom, trust, and strong foundations. Its brilliance comes from its ability to create lasting value over time.

Our Affordable Housing and Emerging Markets business segments are Sapphire, symbol of growth, prosperity and hope, segments that open the door to homeownership for aspiring families. Representing 40% of our portfolio, backed by 80% of our branch network, and contributing 48% of retail disbursements, they create value for customers by building a place they can call home. They embody prosperity with purpose, creating value not only for the business, but also for thousands of families whose dreams are finding a foundation to grow.

For a first-time homeowner, a home is more than an asset — it is security, dignity, and a gateway to new opportunities. By extending responsible and accessible housing finance to these customers, we are helping transform aspirations into reality. As the Affordable Housing and Emerging Markets segments continue to grow and contribute a significant share of the retail business, they serve as a powerful source of sustainable growth for us.