CFSL Integrated Report 2025

50

Risk Management

Corporate Governance

Statutory Disclosures

Financial

Improve Operational Excellence

Empower Our Workforce

• Strengthen risk, data and technology foundations to deliver faster, simpler and more reliable services to customers and partners. • Optimise processes and cost-to-income to support sustainable and profitable growth.

• Build an engaged, future-ready workforce with the skills, tools and culture needed to execute our strategy. • Foster an inclusive workplace where our people can grow and thrive.

• Launched pilot phase to transition to the new core lending system. • Implemented Laserfiche to drive process simplification, straight-through processing and cost-efficiency programmes across the Group. • Strengthened data governance, analytics and credit decisioning via our data platform and MoFinans engine.

• Rolled out leadership and culture programmes aligned with our Purpose and PACE values. • Invested in learning, reskilling and digital capabilities for front-line and support teams. • Enhanced employee wellbeing, diversity & inclusion, and recognition initiatives.