CFSL Integrated Report 2021

Group Structure	8
This is Cim	10
Value Creation Model	12
Financial Highlights	15
Chairperson’s Message	18
Directors’ Profiles	22
Group Review	29
Human Capital	34
Senior Executive Team	42
Management Team	44
Corporate Social Responsibility	52
Risk Management Report	56
Corporate Governance Report	68
Other Statutory Disclosures	82
Directors’ Report	83
Secretary’s Certificate	84
Statement of Compliance	85
Independent Auditor’s Report	88
Financial Statements	92
Directors of Subsidiary Companies	188

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