CFSL Integrated Report 2025

1

Introduction

Group Overview

Leadership

Strategy & Performance

TABLE OF CONTENTS

INTRODUCTION

LEADERSHIP

Message to Shareholders When Finance Meets Purpose

5 5 6 6 7

Chairperson's Message

29 31 37 41

Board of Directors

About This Report

Insights from the Group CEO

Navigating Our Report

Senior Executive Team

Group Structure

GROUP OVERVIEW

STRATEGY & PERFORMANCE

FY 2025 at a Glance Financial Highlights

11 13 14 15 15 17 21 23

Consolidated Value Added Statement

This is Cim Finance

Our Strategic Plan Business Review

49 51 57 69

Our Journey Our Activities

Human Capital Report

Value Creation Model Stakeholder Engagement

Environmental and Social Report