Annual Report 2019

Value Creation Model INPUT FINANCIAL CAPITAL • Shareholders’ fund • Reinvestment • Debt FINANCIAL CAPITAL • Optimal funding mix • Achieving targeted ROE HUMAN CAPITAL • Diversified competent and engaged workforce • Continuous development • Strong leadership team HUMAN CAPITAL • Employer of choice • Empowered employees • Work/life balance INTELLECTUAL CAPITAL • Branding • Innovation • Values INTELLECTUAL CAPITAL • New products • Cim Culture • Strong brand & reputation STRATEGIC IMPERATIVES Sustainable growth Digital isation Operational excel lence Customer centricity CIM FINANCIAL SERVICES LTD / ANNUAL REPORT 2019 6