Integrated Report 2020

INTEGRATED REPORT 2020 CIM FINANCIAL SERVICES LTD Value Creation Model INPUT FINANCIAL CAPITAL • Shareholders’ fund • Reinvestment • Debt HUMAN CAPITAL • Diversified competent and engaged workforce • Continuous development • Strong leadership team INTELLECTUAL CAPITAL • Branding • Innovation • Values RELATIONSHIP CAPITAL • Wide network of merchants • Visa and MasterCard Accreditation Credit facilities to individuals for the purchase of mobile phones, consumer electronic goods and furniture Personal unsecured loans to individuals to finance projects or personal requirements Credit protection plan to protect customers 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 MANUFACTURED CAPITAL • Proprietary Scorecard • Network of counters OUR ACTIVITIES & OPERATIONS Sustainable Growth Digitalisation Operational Excellence Customer Centricity STRATEGIC IMPERATIVES SOCIAL & NATURAL CAPITAL • Corporate Social Responsibility • Responsible lender • Partnership with Government for SMEs Risk Appetite Main Risks Risk Response RISK MANAGEMENT FRAMEWORK 8