ANNUAL REPORT

PHINMA Corporation creates better value and builds better lives through our businesses in education, construction materials, property development, and hospitality. We answer the call of the times for companies to go beyond mere profit generation. We are determined to reach more families and communities, providing them improved access to the essentials of a dignified life. The company has successfully achieved major milestones operating from a 3-tier bottom line perspective benefitting People, Planet, and Profit. We have expanded the scale and depth of our investments so that each measured step makes a huge difference to people with the most urgent needs. Based on the proven resiliency and innovative strategies of its business units, we believe PHINMA Corporation has established a strong base for sustained growth.