Annual Report 2019

• Risk Appetite • Main Risks • Risk Response • Credit facilities to individuals to purchase of mobile phones, consumer electronic goods and furniture • Personal unsecured loans to individuals to finance of projects or personal requirements • Credit protection plan to protect customers OUTCOME RELATIONSHIP CAPITAL • Wide network of merchants • Visa and MasterCard Accreditation RELATIONSHIP CAPITAL • Helping our partners to grow their business MANUFACTURED CAPITAL • Proprietary Scorecard • Network of counters MANUFACTURED CAPITAL • Accessibility • Sound credit decisions • Low impairment levels SOCIAL & NATURAL CAPITAL • Corporate Social Responsibility • Responsible lender • Partnership with Government for SMEs SOCIAL & NATURAL CAPITAL • Responsible lender • Support to the community OUR ACTIVITIES & OPERATIONS against unforeseen circumstances • Cards and Payment Solutions • Solutions for the acquisition of vehicles and equipment • Help SMEs to meet their cashflow needs through our Factoring services RISK MANAGEMENT FRAMEWORK (please refer to pages 50 to 52) CIM FINANCIAL SERVICES LTD / ANNUAL REPORT 2019 7