Fullerton Financial Holdings (FFH) invests and operates in financial institutions that are based in the emerging markets. We create shareholder value by building on our strengths as a Centre of Excellence, enhancing growth in our entities through disciplined development, and execution of unique business models that focus on the mass market and SME customer segments. FFH is a wholly owned subsidiary of Temasek (Private) Holdings, an investment company based in Singapore. FFH currently has 8 entities in 6 different countries including Malaysia, China, India, Dubai, Cambodia and Myanmar. Today, our entities have more than 28,000 employees, serving over 7.3 million customers across Asia. Our innovative and flexible business strategies are uniquely designed to thrive in the individual market conditions, where our entities can best empower the local micro entrepreneurs, SMEs and Mass-Market consumers. We believe in elevating the underbanked and underserved, driving innovative cost-effective methods to reach our customers. Financial inclusion lies in the heart of what we do at FFH, and it is essential in increasing growth as well as reducing inequality and poverty in these local communities. Our entities bring a positive social impact that unlocks opportunities and builds self-reliance in our customers.