| CIM FINANCE. INTEGRATED REPORT 2022 14 Creation Model Value Sustainable Growth Digitalisation Operational Excellence Customer Centricity STRATEGIC IMPERATIVES 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 protectionplan toprotect customers against unforeseen circumstances INPUTS FINANCIAL CAPITAL • Shareholders’ funds • Reinvestment • Debt RELATIONSHIP CAPITAL • Wide network of merchants • Visa and MasterCard Accreditation HUMAN CAPITAL • Diversified, competent and engaged workforce • Continuous development • Strong leadership team INTELLECTUAL CAPITAL • Branding • Innovation • Values MANUFACTURED CAPITAL • Proprietary scorecard • Network of counters SOCIAL & NATURAL CAPITAL • Corporate Social Responsibility • Responsible lender • Partnership with Government for SMEs
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