OUTPUTS Digitalisation Customer Centricity Risk Appetite Main Risks Risk Response RISK MANAGEMENT FRAMEWORK FINANCIAL CAPITAL • Optimal funding mix • Achieving targeted ROE RELATIONSHIP CAPITAL • Helping our partners grow their business HUMAN CAPITAL • Employer of choice • Empowered employees • Work-life balance INTELLECTUAL CAPITAL • New products • Cim Culture • Strong brand & reputation MANUFACTURED CAPITAL • Accessibility • Sound credit decisions • Low impairment levels SOCIAL & NATURAL CAPITAL • Responsible lender • Support to the community 13 OUR YEAR AT A GLANCE OUR PEOPLE GOVERNANCE FINANCIAL STATEMENTS
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