The environment was marked by regulatory changes and persistently high interest rates, exerting significant pressures on our cost of funding, and in particular on the consumer finance segment. Leveraging our flexible funding approach and making selective interest rate adjustments has allowed us to minimise the impact on our business.

Amid these challenges, we also seized opportunities. In the leasing segment, the increasing demand for green financing has become a major driver of growth, supported by the issuance of our green bond. This initiative has positioned Cim Finance as a leader in sustainable finance, allowing us to meet the growing demand for environmentally conscious solutions while advancing our broader ESG goals.

As consumer preferences lean further toward digital platforms, we have made significant progress in building a robust and secure digital infrastructure, while innovating continuously to meet customer expectations at every touchpoint.

Extract of the ‘Insights from the Group CEO’’ .