Investments Overview

As of 31 March 2025

BANKING
Yoma Bank
Yoma Bank Limited	66.47%

HEALTHCARE SERVICE
YOMA-OUE Healthcare
Pun Hlaing International Hospital Limited	60.00%
Yoma OUE Pun Hlaing Hospital Limited	60.00%

TOURISM
Memories Group
Memories (2022) Pte. Limited	16.66%

REAL ESTATE
YOMA LAND
StarCity
Thanlyin Estate Development Limited	30.00%
City Loft West
CLW Development Limited	25.00%
FMI Riverside Development Limited	47.50%
The Peninsula Yangon
Peninsula Yangon Holdings Pte. Limited	6.00%
Yoma Central
Meeyahta Development Limited	12.00%
Meeyahta International Hotel Limited	20.00%
Pun Hlaing Links
Pun Hlaing Links Services Company Limited	30.00%
FMI Garden Development
FMI Garden Development Limited	47.50%
KrisPLAZA
LSC FMI Company Limited	50.00%

STRATEGIC INVESTMENTS
FMIDecaux Company Limited	40.00%

Our Goal & Operating Principles

1. To bring the best value propositions to its investors, customers and employees.

Creating sustainable investment opportunities by leading with integrity and robust business practices
Serving our customers by being their trusted partner to deliver the best products and services for their needs
Investing in our people to build careers around a shared culture of fairness, diversity, empowerment and recognition

2. To strengthen the financial landscape of Myanmar through operating responsible bank branches across the country.

Focusing on empowering and delivering impact to Myanmar businesses
Expanding our presence throughout Myanmar to make it easy and simple for Myanmar’s small and large companies to have access to capital and financial services
Prioritizing innovation and partake in Myanmar’s transformation towards digitalized banking
Delivering excellent services and products to improve our banking experience for customers as well as businesses

3. To provide a holistic care that is both affordable and accessible to the Myanmar healthcare community.

Increasing our hospital and clinics footprint across the country to increase accessibility and better serve our residents in Myanmar
Transforming Myanmar’s healthcare scene by introducing and offering affordable medical services and expand the spectrum of services available to attract patients to seek healthcare locally
Digital transformation is a focus area that we are actively striving to expand its services, deliver easier and enhanced patient experience

4. To bring out the beauty of Myanmar to the rest of the world.

Through our 3 collections of hotels ranging from high-end to budget, we aim to offer our hospitality services to hotel-goers from all walks of life
With widened selections of hotels, experiences and services, we aim to serve a wider range of areas as well as customers, both locals and tourists
Continue our commitment to operate in the most sustainable and socially responsible way across our entire portfolio of hotels and resorts

5. To build better communities for the future of Myanmar.

Venture into mass-market product offerings with the intention of catering to a much larger proportion of Myanmar’s population in the Real Estate Business
Transforming Myanmar’s living standards by developing residential, business and hospitality areas that are not only better, but also well-equipped, accessible and affordable

6. To embrace innovative workplace that is people-driven and technology-forward.

With belief that the employees are the most valuable assets of the company, we are committed towards the training, development and talent retention of our people
We are also committed to promote diversity and inclusion, health, safety and environment, human rights and labor rights
Promote a high-performance and dynamic working culture that employees as well as the business can thrive successfully
Embrace and keep abreast with developing technologies for effective operations and strengthened securities

7. Underpinning the philosophy of “thinking globally, acting locally” to cater to the needs of people living across Myanmar.

With our Mission, we are committed towards “Build a better Myanmar for its People”, to create value and profit for all our stakeholders while also ensuring that the Company’s business goals and value chain are aligned with its sustainability goals
To provide solutions for the needs of Myanmar people while taking into consideration on the globalized situations
Together with our group’s entities, we aspire to contribute towards nation building and the long-term economic development to raise the quality of life in Myanmar

Our Value Chain

Strategic Vision

FMI focuses on Financial Services, Real Estate, Healthcare and Tourism sectors in Myanmar while maintaining a portfolio of strategic investments. Across all its core businesses, FMI aspires to contribute towards nation building and the long-term economic development of Myanmar. Being the investment partner of choice, the Company is relentlessly striving to be a human-centric conglomerate driven by a strong legacy of good governance and responsible conduct of business with a sustainable growth of profit.

STRATEGY WE TARGET FROM	WHAT WE DO	WHAT WE ACHIEVED
Being an agile Myanmar corporation driven by a strong legacy of good governance and responsible conduct of business with a sustainable growth for the benefit of its people. Underpinning the philosophy of “thinking globally, acting locally” to cater to the needed of people living across Myanmar. Embracing innovative workplace that is people-driven and technology-forward.	FMI Group is brought the best value propositions to its investors, customers, and employees.	One of the Philippines’ leading conglomerates, Ayala Corporation still investing US$ 82.5 million for a 20% stake in FMI to grow the Group’s core businesses FMI implemented Updated Corporate Governance Framework guided by SECM and YSX in 2021 The Group launched “Yoma Connect” app across the group which is an one stop app to transform digital lifestyle for employees Sustained as market leading conglomerate and continued to strength corporate governance to attract investors Provided Vaccination Program to 99% of employee workforce The total revenue of MMK 554.7 billion in FY2025
Strengthening the financial landscape of Myanmar through operating responsible bank branches and digital platforms across the country.	Yoma Bank is driven by three strategic priorities: people, governance, and technology, and has put people at the center of its operation since inception.	32+ years of being responsible for bank making significant investments in strategic priorities Positioned at one of the top Banks in Myanmar First Bank in Myanmar reactivate ATMs with the launch of Flexi MPU Debit Card to provide strong physical cash and liquidity position Yoma Bank Protects 3200+ of its Employees through Prudential Myanmar’s Group Life Insurance Plan Accessible with 95 branches across the country Yoma Bank has provided over 71,500 courses since the launch of “Learning Hub” and 97% employees attain learning with average 7.7 hours per employees 100,000+ Direct beneficiaries through CSR and non-profit initiatives Played a strategic role in launching Myanmar Pay in 2024 Served as the settlement bank for Wave Money Implemented a Merchant Management System to support the seamless migration of Wave merchants Expanded product offerings with the launch of the MasterCard Co-Badged Card Achieved 3rd rank across local banks in Pwint Thit Sa 2024 Report The total revenue of MMK 450 billion in FY2025
Providing a holistic care that is both affordable accessible to the Myanmar healthcare community.	PHSH strategy is to deliver international quality healthcare that is affordable, accessible and equitable to all socio-economic segments across the country through its national network of hospitals. The model is built on the foundation of full-time doctors, state of the art equipment, emergency services and digital technology.	First private hospital to obtain FDA approval to import Covid-19 vaccines officially. Became the first private hospital in Myanmar to be permitted by the Myanmar’s National Central Committee for Covid 19 Protection, Control and Treatment to test, treat, and care for since December 2020. Set up four vaccines centers across Myanmar with the capacity to vaccinate up to 10,000 people daily. Received the Healthcare Asia Award 2022 for The COVID Management Initiative of the Year - Myanmar Patient Safety Initiative of the Year - Myanmar Service Delivery Innovation Initiative of the Year - Myanmar The coveted Hospital of the Year – Myanmar. Only hospital in Myanmar received Joint Commission International Accreditation in July 2021 Secured 3rd Joint Commission International (JCI) Accreditation in May 2024 The percentage of total outpatient and inpatient volumes grow over 15% in comparison to the same period last year. served as a one-stop centre for COVID-19 testing and had over 840 staff inflicted with COVID, provided treatment to over 1,000 COVID-19 patients, and inoculated 170,000 doses of the COVID-19 vaccine. Achieved major clinical milestones: Delivered successful renal transplants—a leading hospital in Myanmar’s private sector Performed open-heart surgeries through multidisciplinary care teams Introduced advanced neurosurgical services to strengthen tertiary care 20th Anniversary in May 2025, marking two decades of innovation and trust in healthcare Currently operating three hospitals, four clinics, two medical towers and one histopathology lab The total revenue of MMK 104.5 billion in FY2025
Building Better Communities for the future of Myanmar.	Yoma Land’s strategy is to build communities that are attractive, safe and vibrant that appeal to those seeking a healthy and community-centric lifestyle.	Implemented a new division of modern landed homes called StarVillas which was successfully sold-out 100% Build Starferry Water Bus service and StarFerry Jetty with the purpose of accessible community The launch of Padauk Garden which has 156 units of Padauk residential villas, and 94 units of Padauk Shop Houses set on 23.56 acres Maintained a leading property developer and landlord in Myanmar with one of the largest landbanks comprising 9.3 million square feet across three developments in Yangon The launch of City Villa with 130 villas set on 10.72 acres of land in Aug 22 The launch of City Villa Extension with 77 villas set on 6.7 acres of land in Jan 23 The launch of the 1st Tower (TC1) of City Loft West in May 2023 Completed the final tower (Tower 11) of City Loft at StarCity, marking the completion of City Loft project — a key residential milestone in Mar 2024 All 690 units of eco-friendly Estella townhouse were sold after its launch in Oct 2023 Launched 634 units of the ARA project as of May 2025
Bringing out the beauty of Myanmar to the rest of the world.	Memories Group’s strategy is to create a collection of sustainable, responsible and complementary hospitality and tourism brands in Myanmar. Besides catering to local and international leisure and business travelers, the group is also focused on improving the lives of the Myanmar people.	Has ventured into new food and beverage (“F&B”) outlets and restaurant management services, overseen by its F&B management team. Memories Group provided food and essential supplies to over 12,000 people in Myanmar as well as participated and/or organised other community programs Initiated Step-In Step-Up Program to make a difference to the lives of the young and vulnerable people and to date, has delivered and sourced employment for over 300 men and women from the age of 18 and up Set up solar panels in Awei Pila, resulting in energy cost savings and positive environmental impact Achieved the reopening of the esteemed Governor’s Residence, an iconic heritage hotel situated in the heart of downtown Yangon

Yoma Bank is driven by three strategic priorities: people, governance, and technology, and has put people at the center of its operation since inception.

PHSH strategy is to deliver international quality healthcare that is affordable, accessible and equitable to all socio-economic segments across the country through its national network of hospitals. The model is built on the foundation of full time doctors, state of the art equipment, emergency services and digital technology.

Yoma Land’s strategy is to build communities that are attractive, safe and vibrant that appeal to those seeking a healthy and community-centric lifestyle.

Memories Group’s strategy is to create a collection of sustainable, responsible and complementary hospitality and tourism brands in Myanmar. Besides catering to local and international leisure and business travellers, the group is also focused on improving the lives of the Myanmar people.

Steering Through Challenging Times

There was some disruption due to the challenging macro-economic and other unexpected situations which led to an impact on the ability of FMI’s business units particularly with respect to cash liquidity issues, foreign exchange transactions, shortage of human resources, business operating services, health and safety of our employees and challenges in fulfilling compliance matters. However, the Group is closely monitoring developments and has been dynamically adjusting its approach to ensure commercial survival, business resilience, and sustainability for each of its business units. We will continue to focus on strengthening our core businesses, maintaining disciplined balance sheet, prioritizing profitability over expansion for new opportunities and finding ways of how our businesses can work together to help each other. FMI has continued to adapt to the evolving macroeconomic situation by prioritising the following areas:

1. Supporting our employees for their financial difficulties
2. Protecting health and safety of our employees
3. Uplifting our Risk, Compliance, and Audit culture
4. Promoting local talent
5. Upgrading stakeholders engagement
6. Digital Transformation.

80 +

Yoma Bank branches nationwide

1st

Hospital in Myanmar Awarded JCIA

1st Bank

Received FDI from IFC, GIC, Norfund in Myanmar

345

Beds across 3 hospitals and 3 clinics

3 +

Real Estate projects in Yangon

7 +

Key tourism destinations

2,000 +

Affordable residential built

3

Areas of leadership in Myanmar Tourism