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’’.
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The year in context

This year has been a milestone in Cim Finance’s journey, defined by reaching the MUR 1bn profit mark – a symbol of our collective efforts and strategic direction. Despite the challenges of previous years, our traditional businesses in consumer finance and leasing have continued to deliver strong results, reaffirming our role as a partner of choice for businesses and individuals. This achievement has also reinforced a sense of pride and shared accomplishment among our teams, inspiring us to push further in driving financial inclusion and supporting economic progress.

Extract of the Interview with the Chairperson.

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