The financial services sector continues to evolve rapidly, shaped by rising regulatory expectations, shifting customer behaviours, and a sharper focus on responsible lending, customer protection and financial inclusion.

Against this backdrop, I am encouraged by how Cim Finance navigated the year: with clarity of purpose, operational rigour, and a long-term perspective.

This progress did not happen overnight. It is the result of several years of deliberate work to strengthen our foundations: governance, risk management, compliance, digital capabilities and culture. We have addressed structural gaps, reinforced controls and refined our operating model. Today, that groundwork is visible in the way we conduct ourselves as an institution — acting with intention, delivering solid operational performance, and generating sustainable profits and shareholder returns. This balance between responsibility and performance is not only a marker of this year, but a defining principle of the Cim Finance we are building.

Extract of the Interview with the Chairperson.