Announcement PDF Delivering Today for Tomorrow. 2026 ANNUAL REPORT East Perth, Garden Towers. Image contains artist impression Defining Perth’s Skyline since 1995. We are privileged to have helped shape Perth into a vibrant modern city through over 80 landmark developments. 2 Finbar Group Annual Report 2026 CONTENTS About Finbar 04 FY26 Highlights 06 Chair's Report 08 CEO's Report 10 Financial Performance 12 Operational Performance 14 Pipeline 24 ESG 28 Financial Report 37 Directors' Report 38 Remuneration Report 41 Risk Management 46 Company Information 95 Finbar Group Annual Report 2026 3 ABOUT FINBAR Delivering Today for Tomorrow Since its inception in 1995, Finbar has been at the forefront of Perth’s urban transformation and has established itself as Western Australia’s largest and most trusted apartment developer. With more than three decades of experience, Finbar has played a defining role in shaping Perth’s skyline, delivering more than 80 developments comprising 7,603 apartments, with a combined value of $4.6 billion. Finbar’s strategy focuses on delivering affordable, high-quality mid-market apartments in well-connected infill locations close to established amenities, transport and employment opportunities. Through practical, market-responsive design, we create desirable living environments that offer enduring value for residents while contributing to more accessible and liveable communities. Delivering Today for Tomorrow reflects both Finbar’s achievements during the year and the foundations we are building for sustainable future growth. Through disciplined project delivery, a strong development pipeline and a considered response to the evolving needs of Perth’s housing market, we are translating today’s performance into opportunities for the years ahead. 31 Year History 80 Landmark Developments 7603 Units Completed 100% Delivery Track Record 19 RENWICK STREET THE LINKS SEVILLE ON THE POINT 167 MELVILLE PDE PADDINGTON PLACE MATILDA BAY CORFIELD ST MEDICAL CENTRE 1990s LAYING THE FOUNDATIONS 2000s EXPANDING HORIZONS ALBANY HWY MEDICAL CENTRE KINGSTON SOL CIRCLE EAST BLUE 2 AVENA REFLECTIONS WEST WELLINGTON PLACE 175 HAY SOHO REFLECTIONS EAST THE RISE MARKET RISE DEL MAR ROYALE THE 10TH TEE RIVERSTONE DOMUS HORIZON - SIXTH 85 MILLPOINT ROAD COSMOPOLITAN ALTAIR HORIZON - CENTRAL CHELSEA GARDENS WESTRALIAN INFINITY VERVE BLUEWATER SAMPHIRE CERESA MONTEREY BAY ARUM CODE ST THOMAS SQUARE ONE28 CIRCLE WEST 4 Finbar Group Annual Report 2026 In FY2026, new project launches confirmed the depth of demand for Finbar’s well- located, affordable mid-tier apartments. We continued to replenish our project pipeline, supporting sustained growth while helping address Perth’s need for new, well- connected housing. Western Australia's apartment market continues to benefit from housing undersupply, population growth and Perth's relative affordability compared with other capital cities. Demand remains strong for apartments combining location, quality, amenity and value – Finbar’s core market. By delivering today's commitments and advancing tomorrow's projects, we aim to create enduring value for shareholders, property investors, residents and wider stakeholders. SABINA ONE KENNEDY RIVERENA DIANELLA AT238 AURORA THE POINT CIVIC HEART BEL-AIR 2010s ACHIEVING MILESTONES 2020s DEFINING THE SKYLINE THE SAINT PELAGO EAST LINQ THE EDGE AU MOTIVE X2 ECCO CONCERTO 18 ON PLAIN 52 MILL POINT RD AURELIA FAIRLANES PERTH SPRING VIEW TOWERS AIRE PELAGO WEST SUBI STRAND VUE TOWER LIME TOCCATA REVA KNIGHTSGATE NORWOOD PALMYRA EAST ADAGIO ARBOR NORTH ST MARKS UNISON ON TENTH Finbar Group Annual Report 2026 5 NPAT of $20.3 million, up 40.9% from $14.4 million in the prior corresponding period, meeting guidance Underlying NPAT of $22.1 million, up 36.5% on $16.2 million in FY2025 Revenue of $204.3 million compared with $284.5 million in FY2025, reflecting project completion timing Shareholder returns supported by a fully franked final dividend of 3 cps, bringing total FY2026 dividends to 5.5 cps Net debt reduction of $36.4 million Cash balance increased to $50.7 million at 30 June 2026. Record pre-sales of $567.2 million Settlements totaling $263.7 million in value across 287 lots, including prior possessions Completed Bel-Air Apartments Garden Towers, Riverbank Residences and Palmyra West Apartments under construction Launched Romeo Applecross & Commenced Construction H1 FY27 Projects under construction represented $515.1 million in estimated end value** Financial Performance Strongest profit since FY15 Record pre-sales and strong order book Operational Performance ¹Underlying NPAT removes the impact of yearly variation in valuation of property portfolio. **excluding Romeo Applecross. FY26 HIGHLIGHTS Total Revenue $204.3M FY25 $284.5M ↓ 28.2% YoY Underlying NPAT¹ $22.1M FY25 $16.2M ↑ 36.5% YoY NPAT $20.3M FY25 $14.4M ↑ 40.9% YoY Earnings per share 7.4 cents FY25 5.3 cents ↑ 39.6% YoY Dividends per share 5.5 cents fully franked FY25 2.0 cents ↑ 3.5 cents YoY NTA per share 94 cents FY25 92 cents ↑ 2.2% YoY 6 Finbar Group Annual Report 2026 Five-year development pipeline of $1.95 billion in estimated end value, and 1,900+ lots Acquired Leeder Residences and subsequently lodged and secured development approval Secured two further South Perth sites at Lyall Street and Bowman Street Obtained development approval for $73 million Parkside Residences in Rivervale Acquired significant Ascot development site Development pipeline supports the delivery of new housing supply amid continued undersupply, inward migration and Perth’s relative affordability compared with other capital cities 100% development record, delivered 7,600+ apartments, contributing to increased housing supply, providing more homes on less land Pioneer of BubbleDeck® technology with Hanssen, >60,000t CO2 avoided to date and ~47% reduced emissions compared to conventional construction methods Passive design and high-performance facades reduce heating and energy consumption by ~17%; and central heat pump systems deliver ~60% energy and carbon savings Average NatHERS ratings exceed industry benchmarks, with some projects achieving up to 8.6 stars; while Aurora received a 5 star Green Star rating Supporting vibrant communities through investment in social infrastructure, public art and heritage restoration Strong governance practices promoting ethical, accountable and responsible operations Advancing $1.95 billion five-year pipeline with supportive conditions Commitment to operating to high standards of ESG performance Development Pipeline ESG *updated as of 20.08.2026. Sales $528.8M FY25 $236M ↑ 124% YoY Under Construction (end value) $515.1M FY25 $391M ↑ 31.7% YoY Pre-Sales $567.2M FY25 $294.1M ↑ 92.8% YoY Five-Year Development Pipeline 1900+ Lots Valued at $1.95B* Settlements $263.7M² FY25 $352M ↓ 25.1% YoY Average Off The Plan Sales per Month $29.1M 2 Settlement of completed stock (including prior possessions) and assets held for sale. Finbar Group Annual Report 2026 7 Dear Shareholders, As Finbar marks 31 years of delivering residential developments in Western Australia, I am pleased to present the Company’s Annual Report for the financial year ended 30 June 2026. This year’s report highlights how we are translating today’s performance into tomorrow’s opportunities, delivering projects, earnings and shareholder returns while strengthening the foundations for future growth. This was a year of strong financial progress. Finbar reported its strongest profit since FY15 with a net profit after tax of $20.3 million in FY26, within the guidance range for the year, and notably an increase of 40.9% from the $14.4 million recorded in FY25. The balance sheet also strengthened materially, providing Finbar with the flexibility to progress our development program while maintaining a disciplined approach to capital allocation and risk management. After considering the Company’s performance, capital requirements and market conditions, the Board declared a fully franked final dividend of 3 cents per share. Together with the interim dividend of 2.5 cents per share, this brings total fully franked dividends for FY26 to 5.5 cents per share. Delivering regular dividends while retaining capacity to progress our pipeline reflects the health and sustainability of the business. Finbar’s strengthened balance sheet gives the Company greater capacity to pursue wholly owned development opportunities, supporting a strategy focused on retaining a greater proportion of project earnings for shareholders. Approximately 70% of Finbar’s $1.95 billion future development pipeline, by estimated end value, comprises wholly owned projects. This provides greater control over project timing, design, delivery and capital allocation, while enabling shareholders to benefit from a larger share of project returns. Joint ventures will nevertheless remain an important and complementary part of Finbar’s development strategy. The Company has a long and successful history of working with established joint venture partners and will continue to draw on these relationships where they enhance our capacity to secure and deliver large-scale development opportunities. This approach allows Finbar to pursue compelling acquisitions that may otherwise require a significant commitment of capital, while maintaining appropriate capital efficiency, risk sharing and return thresholds. Looking ahead, the market backdrop remains supportive. While recent changes to capital gains tax and negative gearing have created uncertainty across parts of the broader property market, housing demand in Western Australia remains resilient. Finbar’s customer base comprises a strong mix of owner-occupiers and investors. With the focus on delivering new housing, the Company is well positioned to benefit from policies that encourage investment in newly Delivering regular dividends while retaining capacity to progress our pipeline reflects the health and sustainability of the business. Together with the interim dividend of 2.5 cents per share, this brings total fully franked dividends for FY26 to 5.5 cents per share. CHAIR’S REPORT JOHN CHAN “ ” Our operating performance was equally significant. Finbar converted strong market demand into a record pre-sales position of $567.2 million at 30 June 2026, demonstrating continued demand for well- located, affordable and mid-tier apartments from customers seeking quality homes and investments. Our five-year development pipeline now represents approximately $1.95 billion in estimated end value. 8 Finbar Group Annual Report 2026 constructed dwellings. These proposed reforms are expected to provide further support for buyer activity across Finbar’s apartment projects. This outlook is further supported by federal and state initiatives aimed at increasing housing supply, assisting first-home buyers, enabling infrastructure delivery and encouraging infill development. Finbar welcomes measures that support the delivery of new housing, while maintaining its disciplined approach to project selection, with a continued focus on demonstrated demand, affordability and appropriate risk-adjusted returns. Finbar continues to prioritise practical, proven sustainability initiatives that deliver measurable environmental benefits, including double glazing, heat- pump-boosted central hot water systems and rooftop solar panels, which enhance building performance while reducing energy consumption and operating costs for residents. In partnership with Hanssen, Finbar pioneered the use of BubbleDeck® technology in Australian apartment development and has since incorporated it across more than 1.1 million square metres of its portfolio. By significantly reducing the volume of concrete required in floor slabs, BubbleDeck® has delivered substantial material efficiencies and avoided more than 60,000 tonnes of embodied CO2, representing an estimated 47% reduction compared with conventional construction methods. These initiatives demonstrate our commitment to delivering homes that are not only high quality and affordable, but also more efficient, sustainable and resilient over the long term. They reflect Finbar’s disciplined approach to innovation and our focus on creating enduring value for residents, communities and shareholders alike. The Board recognises that Finbar’s culture remains central to the Company’s long-term success. During the year, the Board continued to support Ronald and the executive leadership team in maintaining a stable, accountable and collaborative culture across the business. Finbar’s experienced team, long-standing relationships and shared commitment to delivering quality outcomes continue to underpin the Company’s performance. FY26 also marked Ronald’s first full financial year as Chief Executive Officer. His more than 20 years with Finbar, including his tenure as Chief Operating Officer from 2013, enabled a seamless leadership transition and ensured a strong level of continuity and stability across the Company. His deep knowledge of the business, established relationships and understanding of Finbar’s strategy provide a solid foundation for the next phase of growth. Supported by an experienced executive leadership team, Ronald has brought discipline, energy and clear direction to the business. The Board welcomes the leadership and progress achieved by Ronald and the team during the year. On behalf of the Board, I thank Ronald, the executive team and all Finbar employees for their commitment during the year. I also acknowledge our customers, our relationship builder Hanssen, joint venture partners, financiers, architects, consultants, suppliers and sales teams. Their contribution is fundamental to our ability to deliver high-quality homes and create enduring value. Finally, I thank our shareholders for their continued confidence and support. Finbar enters FY27 with a record pre-sales book, a materially stronger balance sheet, an experienced team and a substantial pipeline of well-located projects. Building on these strong foundations, we remain focused on delivering today with discipline while investing in the homes, communities and opportunities of tomorrow. John Chan Chair Finbar Group Annual Report 2026 9 CEO’S REPORT RONALD CHAN Dear Shareholders, I am delighted to present Finbar’s report for the financial year ended 30 June 2026, my first full financial year as Chief Executive Officer. Delivering Today for Tomorrow reflects both the year’s achievements and the foundations we continue to build for sustainable future growth. Our progress was supported by sustained buyer demand, a stronger balance sheet and the continued delivery of our pipeline. Financial Performance Finbar reported net profit after tax of $20.3 million for FY26, an increase of 40.9% on FY25 and our strongest reported profit since FY15. Underlying NPAT, excluding movements in property portfolio valuations, was $22.1 million, up 36.5% from $16.2 million. Revenue was $204.3 million, compared with $284.5 million in the prior year, reflecting the timing and mix of project completions and settlements. The Company recorded settlements with a total value of $263.7 million across 287 lots during FY26, including prior possessions. We closed the year with cash of $50.7 million, up $14.3 million from 30 June 2025, and reduced net debt by $36.4 million. The balance sheet strength positions us well to advance our pipeline. Delivering Projects with Discipline A highlight of the year was the delivery of Bel-Air, completed on time despite industry-wide construction and cost pressures. All residential and commercial lots were sold before construction was completed, making Bel-Air the first Finbar project in more than a decade to sell out ahead of completion. Garden Towers continued to progress well and is expected to complete in the coming months. As at 30 June 2026, our construction program also included Riverbank Residences and Palmyra West, with total projects under construction representing $515.1 million in estimated end value. Converting Demand into Future Revenue Finbar achieved record pre-sales of $567.2 million at 30 June 2026, supported by the successful launches of Riverbank Residences, Palmyra West Apartments and Romeo Applecross. Average monthly- off-the-plan sales were $29.1 million across 35 lots, providing clear visibility over future settlements as projects progress through construction. First half sales of $368 million across 409 units represented our strongest half- year sales result in 30 years, confirming the demand for Finbar’s well-situated, affordable and mid-tier apartments. Advancing the Next Wave of Supply During the year, Riverbank Residences and Palmyra West moved from launch into construction. Romeo Applecross commenced construction in the first half of FY2027, while Parkside Residences received development approval and is expected to launch in the same period. We also continued to replenish our pipeline. We lodged a development application for 236 Railway Parade in West Leederville during FY26, with development approval subsequently received in August 2026, and secured a further two development sites in South Perth with settlement of the Bowman Street site completed post year end. Subsequent to year end, we also acquired a significant development site in Ascot, which is targeted for market launch in calendar year 2027. Across projects under construction, market-ready projects, opportunities pending market release, and longer-term site release, the five- year pipeline represents $1.95 billion in estimated end value. Improving Visibility over Delivery Outcomes Greater certainty around construction costs and project margins is supporting better informed decisions across our portfolio. Our longstanding relationship with our builder Hanssen, remains a material competitive advantage, providing delivery capacity and contributing Underlying NPAT, excluding property valuations, was $22.1 million, up 36.5% from $16.2 million. Finbar reported net profit after tax of $20.3 million for FY26, an increase of 40.9% on FY25 “ ” 10 Finbar Group Annual Report 2026 to cost and margin protection in a Western Australian construction market constrained by limited skilled labour and industry capacity. Another key aspect is Finbar’s long- standing relationships with major financial institutions, which provide reliable access to competitive, high-quality funding, creating an important foundation for the execution of our development pipeline. These relationships enhance funding certainty and flexibility, helping Finbar pursue projects efficiently and capitalise on opportunities that support long-term shareholder value. This delivery capability is underpinned by prudent financial management and strong partner relationships. Pre- sales thresholds remain a central risk-management tool, helping us align construction commitments with demonstrated demand, validate market acceptance of Finbar’s apartment products, and support project funding. Outlook and Market Conditions The Federal Government’s 2026–27 Budget reforms will generally limit negative gearing from 1 July 2027 to new residential dwellings, while qualifying investors will retain access to the existing 50% capital gains tax discount as an alternative to inflation-based indexation. While some implementation details remain subject to final legislation, the current Treasury exposure draft proposes a relatively flexible definition of a “new residential dwelling”, allowing qualifying status to be retained for acquisitions within 24 months of the first certificate of occupancy, regardless of prior occupation or the number of transactions during that period. If enacted in this form, the changes should improve liquidity and flexibility for purchasers of Finbar apartments and enhance the relative attractiveness of new-build product to investors. While investor enquiry has moderated as the market assesses the reforms and their implementation, Finbar believes the policy direction towards incentivising investment in new housing supply should ultimately provide additional support for buyer activity across its project portfolio. Western Australian Government initiatives, including first-home buyer assistance, stamp duty concessions, the Infrastructure Development Fund and broad planning measures promoting higher-density infill development, reinforce the outlook. Housing undersupply, the continuing strength in population growth and Perth’s relative affordability also continue to support demand. Nevertheless, our decisions will remain guided by sustainable sales volumes, project returns and disciplined capital allocation. Our People and Partners My first full year as CEO has reaffirmed the depth of talent, experience and commitment across Finbar. I thank the Board, our executive team and all employees for their dedication and focus. I also acknowledge the contribution of all of our partners whose support helped deliver this year’s strong result. Finbar enters FY27 with a record pre-sales position, a stronger balance sheet and a substantial pipeline. Our immediate priorities are to complete Garden Towers, progress Riverbank Residences and Palmyra West, advance Romeo Applecross and our next market- ready projects, and continue replenishing the pipeline with opportunities that meet our investment criteria. We will maintain the same discipline that underpinned FY26: protecting capital, managing costs, responding to proven demand and remaining focused on delivery. Thank you to our shareholders for your continued support. By delivering today’s commitments and preparing tomorrow’s projects, we intend to create valued homes, sustainable earnings and long- term value for all stakeholders. Garden Towers East Perth Ronald Chan Chief Executive Officer Executive Director Finbar Group Annual Report 2026 11 FY2026 was a year of strong financial progress and meaningful value creation for Finbar’s shareholders. The successful execution of the Company’s strategy contributed to net profit after tax (NPAT) of $20.3 million, up 40.9% from $14.4 million in FY2025, and the strongest reported profit since FY15. Underlying NPAT, excluding movements in property portfolio valuations, was $22.1 million, up 36.5% on the prior year. Earnings per share rose 39.6% to 7.44 cents, demonstrating how strong operational execution translated into higher earnings on a per-share basis. Revenue was $204.3 million, compared with $284.5 million in FY2025, reflecting the timing and mix of project settlements during the period. Bel-Air reached practical completion in FY2026, compared to the completion of Aurora and The Point in the prior year, with its more affordable product offering contributing to the lower revenue figure. Notwithstanding this, gross profit grew 19.8% to $41.2 million, and gross profit margin increased to 20.2% from 12.1% in FY2025, underpinned by disciplined cost management and a 27% reduction in administration costs. Finbar delivered a strong order book, recording settlements totalling $263.7 million across 287 lots, including prior possessions. Average monthly off-the- plan sales were $29.1 million across 35 lots, and total pre-sales reached a record $567.2 million at 30 June 2026. The balance sheet strengthened materially during the year. Cash closed at $50.7 million, up $14.3 million from 30 June 2025, supported by $77 million in completed stock sell down at Civic Heart, Aurora and The Point (excluding Pelago), alongside Bel-Air settlements and asset sales. The Company achieved a net debt reduction of $36.4 million during the year, with asset facilities fully repaid. Reflecting this performance and the Board’s commitment to delivering shareholder value, a fully franked final dividend of 3 cents per share was declared, bringing total fully franked dividends for FY2026 to 5.5 cents per share – a substantial increase from the 2 cents per share paid in FY2025, when regular dividends were first resumed. Looking ahead, Finbar's five-year development pipeline represents approximately $1.95 billion in estimated end value, with projects under construction totalling $515.1 million. Supported by a record pre-sales book and a disciplined capital management framework, the Company is well positioned to continue delivering long- term value for shareholders. FINANCIAL PERFORMANCE per Share Fully Franked Interim Dividend 2.5c Fully Franked Final Dividend 3.0c Full Year Fully Franked Dividend 5.5c 12 Finbar Group Annual Report 2026 0.04 0.04 0.00 0.08 0.02 2021 2022 2023 2024 2025 2026 FINANCIAL HIGHLIGHTS EARNINGS PER SHARE $ PER SHARE 0.04 0.01 0.06 0.05 0.07 2021 2022 2023 2024 2025 2026 $MILLION 8.9 11.0 2.8 16.4 14.4 20.3 2021 2022 2023 2024 2025 2026 TOTAL COMPREHENSIVE INCOME FULLY FRANKED DIVIDEND $ PER SHARE Interim Dividend Final Dividend 0.055 2021 2022 2023 2024 2025 2026 CASH $MILLION BORROWINGS $MILLION 18.2 220.1 33.2 36.4 50.7 71.5 85.2 177.1 388.8 50.3 13.9 2021 2022 2023 2024 2025 2026 52.6 DEVELOPMENT INCOME Civic 32% Bel-Air 28% Aurora 20% The Point 12% 2 Homelea Court 7% REVA 1% 0.03 Finbar Group Annual Report 2026 13 WHERE WE BUILD Elevating inner-city apartment living → Prime, walkable, transit-connected precincts across metropolitan Perth → Developments designed to enhance lifestyle, connectivity and community WHAT WE DELIVER Shaping Perth’s skyline with purpose → Large-scale residential and mixed-use projects → A mid-market focus that contributes to Western Australia’s housing supply → A preference for wholly owned projects, supporting greater control over delivery and returns HOW WE COMPETE Trusted partnerships. Proven performance → 31 year history, 28% repeat buyers → Longstanding builder relationship supporting delivery certainty → Access to capital on efficient and competitive terms through major financial institutions OUR RECOGNITION Excellence that stands tall → A portfolio of recognised developments, including award-winning Civic Heart and precinct landmark Sabina Applecross → Recognised by UDIA WA and the Property Council for design innovation, urban renewal, community value and sustainability. OUR FUTURE Sustained growth from strong foundations → $1.95+ billion five-year development pipeline → A strong balance sheet and supportive market fundamentals, including population growth and housing undersupply → Continued delivery of high-quality, well-located apartment projects From Delivery to Pipeline Growth: A Year of Progress FY2026 demonstrated Finbar's core strengths: disciplined delivery of well-located, mid-market apartments, underpinned by trusted builder partnerships and a strengthened balance sheet. Bel-Air was completed on schedule and became Finbar’s first development in more than a decade to sell out before completion. Record pre-sales of $567.2 million were secured and the development pipeline advanced, providing a platform for growth, backed by 31 years of experience. OPERATIONAL PERFORMANCE 14 Finbar Group Annual Report 2026 OPERATIONAL HIGHLIGHTS SETTLEMENTS 287 Lots | $263.7M2 FY25 351 Lots at $352M 25.1% Value YoY SALES 566 Lots | $528.8M FY25 $236M 124% Value YoY UNDER CONSTRUCTION (END VALUE) 615 Lots | $515.1M FY25 $391M 31.7% Value YoY NEW PROJECTS 3 Project Launches 428 Lots | $411M 80% Sold 2 Settlement of completed stock (including prior possessions) and assets held for sale. *updated as of 20.08.2026 9% 11% 15% 19% 19% 28% 2021 2022 2023 2024 2025 2026 167 310 396 413 294 567 2021 2022 2023 2024 2025 2026 REPEAT BUYERS PRE-SALES $MILLION FIVE-YEAR DEVELOPMENT PIPELINE $1.95B | 1,900+ Lots* FY25 $1.0B | 1,300+ Lots Finbar Group Annual Report 2026 15 OPERATIONAL RELATIONSHIPS Finbar's development success is built on a three-decade partnership with architect Sin Chang and builder Gerry Hanssen, the founders of Chang Architects and building firm Hanssen, respectively. This collaboration has shaped many of our landmark buildings in Perth, guided by a shared philosophy of practical, efficient design and construction. Finbar’s ability to deliver high‑quality residential projects is founded on these enduring and collaborative relationships. Together, these partnerships enable us to translate early‑stage design and engineering into on‑time, on‑budget delivery while embedding Finbar’s standards for build quality, sustainability and whole‑of‑life performance. Chang Architects: A Partnership Built on Enduring Design Chang Architects has designed the majority of Finbar's apartment developments reflecting a professional relationship spanning more than three decades. Sin Chang and Finbar Chair John Chan met in Perth in the early 1990s, establishing a relationship that would grow into a long-standing development partnership. Their work together progressed from smaller residential projects, including villas and townhouses, to increasingly substantial apartment developments. As the development pipeline grew, Sin Chang agreed to work exclusively with Finbar. This arrangement retained design knowledge within the business and supported continuity across projects. Chang Architects’ approach focuses on commercially viable, practical and market- responsive solutions that balance design quality with cost. Hanssen: Three Decades of Construction Excellence Hanssen has been Finbar’s principal construction partner for 30 years, delivering the Company’s apartment projects. The relationship began when Gerry Hanssen’s firm was invited to tender for Bluewater, Finbar’s first high-rise development. Their experience in the construction of larger buildings enabled Finbar to expand beyond low-rise projects. Together, Finbar, Hanssen and Chang Architects established an integrated working model that combines development, design and construction expertise. Hanssen has also invested in construction technology and in-house capability. Initiatives including BubbleDeck, precast concrete, steel fabrication and window manufacturing have improved program efficiency and strength