CIM FINANCE. INTEGRATED REPORT 2022 | 21 Immaculée de Marie – Cité CIM - in Rivière du Rempart, where our involvement has contributed to improving the quality of life of its residents via decent housing. Our CSR report on pages 58 to 61 sets out the many initiatives carried out during the year to drive progress in the areas of Education, the Environment and Engagement. How do you see the next year unfolding? Looking ahead, it is reasonable to assume that wewill continue operating in a difficult environment, characterised by high interest rates and persisting inflation. Geopolitical tensions are exacerbating the erosion of purchasing power, while dealing with a major shock to commodity prices. Our efforts will be targeted on protecting our customers to the best of our ability and ensuring they have the means to cover their basic needs. Froma business perspective, I amoptimistic that CimFinance’s solid foundations and strategic direction will continue to yield positive results. Having emerged from an unforeseen pandemic on strong footing, with a strong balance sheet, I have full confidence that we will be able to continue leveraging our strengths and competencies to be better positioned to compete in the marketplace. We have ambitious projects underway, several more in the pipeline, and a clear ESG roadmap, all of which are breathing a renewed sense of purpose into the organisation. This brings me to our people, Cim Finance’s workforce, whose tireless efforts have enabled us to overcome these difficult times. Our results hold amirror to their hardwork and combined strength, which will certainly take us to greater heights. Likewise, our leadership and management teams, led by our CEO, have demonstrated the courage and confidence to offer new, sometimes unconventional, solutions that benefit all our stakeholders. Thank you for setting a wonderful example of steadfast dedication and responsibility. To my fellow members on the Board, I am grateful for your guidance and perspectives that are helping chart our present and future as a sustainable and community-drivenorganisation. Your Chairperson AISHA TIMOL
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