CFSL Integrated Report 2025

INTRODUCTION

5

Group Overview

Leadership

Strategy & Performance

Introduction

MESSAGE TO SHAREHOLDERS Dear Shareholders, The Board of Directors is pleased to present the Annual Report of CIM Financial Services Ltd for the year ended 30 September 2025. This report was approved by the Board on 12 December 2025.

Aisha C. Timol

Independent Director & Chairperson

Tioumitra (Ambrish) Maharahaje

Executive Director & Group Chief Executive Officer

When Finance Meets Purpose We believe that finance is more than numbers. It is a catalyst for progress, rooted in people, communities, dreams and possibilities. Every product, service and initiative begins with a clear purpose to empower lives and create opportunities for all. Purpose comes to life in the moments that matter - when a young entrepreneur grows a business through our support, a family manages its finances with greater ease, or a couple starts building the home they have always dreamed of. These are not just transactions, but milestones that reflect our belief that finance should open doors, not close them. Through innovative, responsible and inclusive financial solutions, we help individuals achieve their ambitions, businesses grow with confidence, and communities build a sustainable future. Purposeful in vision, practical in delivery, inclusive in reach and transformative in impact, together we are empowering lives through finance that truly serves people.