13 I N T E G R A T E D R E P O R T 2 0 2 1 V A L U E C R E A T I O N MO D E L OUTPUT 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 grow their business MANUFACTURED CAPITAL • Accessibility • Sound credit decisions • Low impairment levels SOCIAL & NATURAL CAPITAL • Responsible lender • Support to the community Credit protection plan to protect customers against unforeseen circumstances Cards and Payment Solutions Solutions for the acquisition of vehicles and equipment Help SMEs meet their cashflow needs through our Factoring services Risk Appetite Main Risks Risk Response RISK MANAGEMENT FRAMEWORK
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