Integrated Report 2020

INTEGRATED REPORT 2020 CIM FINANCIAL SERVICES LTD OUTPUT CONSOLIDATED VALUE ADDED STATEMENT FINANCIAL CAPITAL • Optimal funding mix • Achieving targeted ROE HUMAN CAPITAL • Employer of choice • Empowered employees • Work/life balance INTELLECTUAL CAPITAL • New products • Cim Culture • Strong brand & reputation RELATIONSHIP CAPITAL • Helping our partners to grow their business MANUFACTURED CAPITAL • Accessibility • Sound credit decisions • Low impairment levels SOCIAL & NATURAL CAPITAL • Responsible lender • Support to the community FY 19 36% 39% 5% 5% 34% 36% 25% 20% FY 20 Providers of Capital Government (Income Tax) Employees Reinvested FY 20 FY 19 MUR m MUR m Income 2,082 1,810 Bought-in materials & services (561) (205) Total value added 1,521 1,605 Applied as follows: EMPLOYEES 600 575 GOVERNMENT 77 86 Dividends paid to: Shareholders of CIM Financial Services 109 157 Banks & other lenders 431 388 PROVIDERS OF CAPITAL 540 545 Depreciation 189 146 Amortisation 33 27 Retained Profit 82 226 REINVESTED 304 399 1,521 1,605 9