06 Group Structure 10 This is Cim 12 Value Creation Model 14 Financial Highlights 15 Consolidated Value Added Statement 16 Interview with the Chairperson 20 Directors’ Profiles 26 Discussion with the Group CEO 30 Human Capital Report 40 Senior Executive Team 42 Management Team 48 Corporate Social Responsibility 56 Green Bond 58 Risk Management Report 76 Corporate Governance Report 88 Other Statutory Disclosures 89 Directors’ Report 90 Secretary’s Certificate 91 Statement of Compliance 94 Independent Auditor’s Report 98 Financial Statements 207 Directors of Subsidiary Companies 5
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