ANNUAL REPORT
2022/23

CDB in Action

Our vision for the next decade is to transform into a Quarter Trillion Asset Base (Q-TAB) Company by leveraging two key pillars: Tech Disruption and Sustainability Agenda that encompasses both social and environmental dimensions.

Our Business and Context

OUR STRATERGY FOR 2021-2030

Our business model and strategy aim to transform our Company into a quarter trillion asset base by embracing sustainability and technology disruption. With a David vs Goliath mindset, we position ourselves as a disruptor in the industry, competing with larger incumbents. Our strategy includes two verticals: Deliberate and Emergent. Deliberate strategy focuses on redefining conventional business lines through tech disruptions, while Emergent Strategy involves crowd sourcing based on our patpat ecosystem. The synergy between sustainability and technology enables us to expand capacity without increasing our physical distribution network, reducing our carbon footprint. We also reach remote and vulnerable markets, becoming a net lender to the rural economy and promoting financial inclusion.

The sustainability pillar consists of two verticals: Net-Zero and socially conscious, complementing our business strategy and creating new opportunities. Under Net Zero, we prioritise Sustainable mobility and renewable energy. Financial Inclusion and Community Impact are prioritised under socially conscious pillar. Our business strategy emphasises “extraordinary results through ordinary people” and “strategy bets on people.” We recruit team members from diverse backgrounds, providing employment, a positive working culture, and extensive training. Mindful and engaged team members are a core area of our business strategy.

Overall, our business model combines sustainability, technology disruption, and a people-centric approach to drive growth, efficiency, and social impact. As a regulated institution, we maintain high compliance standards and a responsible corporate citizen culture.

Our vision for the next decade is to transform into a Quarter Trillion Asset Base (Q-TAB) Company by leveraging two key pillars: Tech Disruption and Sustainability Agenda that encompasses both social and environmental dimensions.

Our tech disruption strategy aligns with sustainability strategy enabling net zero and resource efficiency. It empowers us to reach underserved markets, promote financial inclusion, and to compete as a responsible corporate citizen. We position CDB as a disruptor, driven by our purpose and shared values, transcending social and geographic boundaries.

Our sustainability agenda is comprehensive, encompassing both social and environmental dimensions. We are deeply committed to minimising our carbon footprint and achieving net zero status. Our agenda prioritises key verticals of promoting renewable energy-based mobility and household solutions, fostering a shared economy, conserving biodiversity, ensuring financial inclusion, driving community impact initiatives, and cultivating an engaged and mindful team members, a responsible and a sustainable brand.

Together, the pillars of tech disruption and sustainability drive our transformation towards becoming a Quarter Trillion Asset Base Company. We are dedicated to leaving a lasting and positive legacy, while actively shaping a sustainable future for all.

 

Surveying our operating context
Engaging with our stakeholders and identifying their concerns
Determining our priority material issues
Assessing our risks and opportunities
Business model
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