Integrated Report 2020

Group Structure	2
Cim at a Glance	4
Main Events of the Year	6
Value Creation Model	8
Financial Highlights	10
Chairperson’s Message	14
Directors’ Profiles	16
Group Review	22
Digital Transformation Initiatives	25
Human Capital	26
Senior Executive Team	28
Management Team	30
Corporate Social Responsibility	40
Risk Management Report	44
Corporate Governance Report	48
Other Statutory Disclosures	56
Directors’ Report	57
Secretary’s Certificate	58
Statement of Compliance	59
Independent Auditor’s Report	62
Financial Statements	66
Directors of Subsidiary Companies	156

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