Business Review Consumer Finance Performance Highlights Consumer Finance remained the largest contributor to Cim Finance’s turnover, supported by an expanded merchant network spanning over 700 and the introduction of new products eligible for refinancing. • We introduced tailored longer term products offering lower monthly instalments to help address affordability challenges. • By continuously optimising our credit scorecard, we maintained a healthy loan book and ensured consistent recovery rates. • NPLs returned to pre-COVID-19 levels, at 4%, reflecting diligent credit decision-making and responsible lending practices. Customer repayment rates remained strong, reflecting the success of our risk management strategies and client support initiatives. • We continued to provide unsecured loans, supported by robust credit assessments and tailored repayment solutions, balancing risk and client needs. • We enhanced our credit protection insurance plans and onboarded two new insurance partners, namely SICOM and Swan Life. 2025 Priorities • Implement our new core lending system. • Refine product offerings and continue expanding merchant network, aligning with emerging market needs and consumer demands. • Further optimise the scorecard to maintain low NPL rates. • Leverage on digitalisation to streamline loan approval processes. Product Portfolio • Credit purchase • Personal loans • Insurance product INCREASE IN MERCHANT BASE 8% 48
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