Integrated Report 2020

CIM FINANCIAL SERVICES LTD OUR GUIDING PRINCIPLES OUR SERVICES OUR PEOPLE We nurture our people. We believe that they are our most valuable asset, the cornerstone of our existence and our growth drivers. We believe engagement thrives in an environment filled with energy, trust, challenge, personal growth and fairness. COLLABORATION We work as one. We believe in the power of working together as the only way to progress and evolve towards a better future. CUSTOMER CENTRICITY We see the world through our customers’ eyes. We are dedicated to caring for our customers in a highly proactive way and we are committed to improving their lifestyle. INTEGRITY We do the right thing. We conduct our business with utmost respect for the highest standards of professional behaviour and ethics. INNOVATION We are constantly evolving. We anticipate change and shape it to fit our objectives. We are committed to be at the forefront of a fast-moving environment, by always rethinking our products and services to anticipate our customers’ needs. INTEGRATED REPORT 2020 Factoring Cim Finance launched its Factoring business in 2004, offering recourse factoring to its domestic customers; non-recourse factoring in 2006 and international factoring in 2019. Our specialised, professional and dynamic team has more than 10 years of experience in the factoring industry. Leasing Cim Finance was a pioneer in the Mauritian leasing industry, with the launch of leasing activities in 1996 to finance vehicles and equipment. Cim Finance offers finance and operating leases to individuals, entrepreneurs, SMEs and large corporates. Consumer Finance Cim Finance offers a wide range of credit purchase facilities to individual clients through an extensive network of dedicated counters and a large chain of authorised merchants across Mauritius and Rodrigues. Cards & Payments Cim Finance offers acquiring services for Visa, MasterCard and Union Pay and issuing services for Visa and MasterCard. We were the first non- banking financial institution in Sub- Saharan Africa to be a principal member of Visa and MasterCard. Insurance Agent In collaboration with Mauritius Union Assurance Co Ltd, Cim Finance offers credit protection plans for all credit purchases made through us. 5