About this Report Reporting Boundary and Scope This annual report aims to offer a comprehensive and connected overview of CIM Financial Services Ltd’s (‘CFSL’) performance covering the period 1 October 2023 to 30 September 2024. Any material events after this date, and up to the date of approval of this report, have also been included. We report on the primary activities of CFSL and its subsidiaries, collectively referred to as ‘Cim Finance’ or ‘the Group’ throughout the report. Our report extends beyond financial information and also includes information about our business model, strategy, operational performances, risks and opportunities, stakeholder relationships and corporate governance practices to give stakeholders a more well-rounded view of how we create value. Theme of this Report Through life’s defining moments – when it matters most – Cim Finance is there. From the smallest victories, to the greatest milestones, Cim Finance is there. We do not just provide solutions – we offer a lifeline; a steady hand to guide you. A way to overcome challenges, look beyond obstacles, and believe in the possibilities ahead. Suddenly, no ambition seems too bold, no aspiration too distant. Everything we do works seamlessly together to support you at every stage of life. Each effort, each connection, comes together to form a greater whole – a system of trust and empowerment to help you take the next step forward. This foundation gives you the freedom to dream bigger, push further, and achieve what once felt out of reach. With the right partner, progress has no limits. 3 Introduction Group Overview Leadership Strategy & Performance Risk Management Corporate Governance Statutory Disclosures Financial
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