CFSL Integrated Report 2021

12 C I M F I N A N C I A L S E R V I C E S L T D Value Creation Model V A L U E C R E A T I O N MO D E L 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 MANUFACTURED CAPITAL • Proprietary Scorecard • Network of counters SOCIAL & NATURAL CAPITAL • Corporate Social Responsibility • Responsible lender • Partnership with Government for SMEs OUR ACTIVITIES & OPERATIONS 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 STRATEGIC IMPERATIVES Sustainable Growth Digitalisation Operational Excellence Customer Centricity

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