OUR DIVERSIFIED ACTIVITIES ARE GUIDED BY A CLEAR STRATEGIC PLAN FINANCIAL CAPITAL Strategic management of shareholders’ equity and debt, and disciplined financial management to drive growth, maintain financial stability and generate dividends. HUMAN CAPITAL The collective know-how, skills and knowledge of our 1,000+ employees, through continuous investments in training, development and wellbeing. INTELLECTUAL CAPITAL Our proprietary processes and scorecard, mobile apps, innovation capacity and relationships that lend us a competitive advantage. RELATIONSHIP CAPITAL Mutually beneficial relationships with our partners, network of merchants, suppliers and customers, rooted in trust and respect. MANUFACTURED CAPITAL Our portfolio of assets, including our network of counters and buildings, increasingly moving towards Leadership in Energy and Environmental Design (LEED) standards. SOCIAL & NATURAL CAPITAL Strong relationships with community members and NGOs, the responsible use of resources and integration of sustainable practices to minimise our carbon emissions and contribute positively to society. CAPITAL INPUTS Value Creation Model Consumer Finance Factoring Leasing Credit Cards OUR ACTIVITIES ENSURE WE EXECUTE OUR STRATEGIC ROADMAP UNDERPINNED BY SOUND GOVERNANCE AND RISK MANAGEMENT PRACTICES To deliver on our purpose of levelling the playing field for all Mauritians, ensuring they have the freedom to build a better future for themselves. 16
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