Dear valued customers, partners, and stakeholders,

     On behalf of iM Lao Non-Deposit Taking Microfinance Institution Co., Ltd. (iMMC), I extend our heartfelt gratitude for your continued trust, collaboration, and support. Your confidence in us has been instrumental in our journey—from a newly established Non-Deposit Taking Microfinance Institution in Lao PDR to becoming one of the top four microfinance institutions in the country in terms of total assets and loan portfolio.

     At iMMC, we are driven by a clear mission: to expand access to fair, transparent, and inclusive financial services that empower individuals, families, and businesses across Laos. Our rapid growth is not merely a reflection of numbers—it is a testament to the strength of our partnerships, the dedication of our team, and the shared belief that financial inclusion is a cornerstone of sustainable development.

     As we look ahead, we remain committed to operational excellence, and responsible lending practices. We will continue to invest in technology, talent, and service quality to ensure that every customer experience reflects our values of integrity, reliability, and care.

     Together, we are building more than a financial institution—we are shaping a future where opportunity is accessible to all.

Thank you for being part of our journey.

Warm regards,

Kim Min Woo,

Chief Executive Officer

iM Lao Non-Deposit Taking Microfinance Institution Co., Ltd. (iMMC)