CTSL’s journey from 2021 to 2023 shows how disciplined management can turn risk into recovery. After BPNG placed the fund under statutory management to stabilise governance and finances, the priority was protecting members’ savings. By 2023, stronger governance, tighter cost control, and improved investments helped assets grow from about K615 million to K714 million, while member returns rose from 2% to 7.3%. For members, that means real growth in their retirement savings — proof that steady reform and responsible management can rebuild confidence and deliver results.