CFSL - Annual report 2018

Table of Contents	1
Group Structure	2
Financial Highlights	4
Chairman’s Message	8
Directors’ Profiles	11
Senior Executives’ Profiles	17
Group CEO’s Outlook	18
Business Review - Cim Finance	20
Business Review - Lavastone Properties	22
Corporate Governance Report	26
Human Resources	34
Corporate Social Responsibility	37
Internal Audit Function	41
Other Statutory Disclosures	44
Directors’ Report	45
Secretary’s Certificate	46
Statement of Compliance	47
Independent Auditor’s Report	50
Financial Statements	56
Directors of Subsidiary Companies	140

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