CFSL - Annual report 2018

TABLE OF CONTENTS Helping people uplift their lives and build better futures 41 Internal Audit Function 44 Other Statutory Disclosures 45 Directors’ Report 46 Secretary’s Certificate 47 Statement of Compliance 50 Independent Auditor’s Report 56 Financial Statements 140 Directors of Subsidiary Companies 02 Group Structure 04 Financial Highlights 08 Chairman’s Message 12 Directors’ Profiles 17 Senior Executives’ Profiles 18 Group CEO’s Outlook 20 Business Review - Cim Finance 22 Business Review - Lavastone Properties 26 Corporate Governance Report 34 Human Resources 37 Corporate Social Responsibility 1 CIM FINANCIAL SERVICES LTD ANNUAL REPORT 2018