Cards and Payments Performance Highlights Achieved a threefold increase in new credit card customers and a 1.5x growth in new merchants over the last FY. • Enhanced customer engagement through targeted campaigns, such as the Mother’s Day campaign and a 1% merchant discount, aimed at boosting customer spending while simultaneously promoting Cim Finance’s merchants. • Onboarded customers for e-statements for credit cards, reducing both costs and our environmental footprint. • Strengthened strategic partnerships and collaboration with non-acquiring banks and fintech players to extend acquiring services to their merchant networks, both online and in-store. • Launched Dynamic MauCas QR code payments on Cim POS, providing an additional payment solution for merchants and their customers. 2025 Priorities • Enhance convenience for customers by rolling out digital servicing options such as card applications via WhatsApp, limit increase requests, and simplified balance checks, reducing reliance on physical branch visits. • Launch a new credit card revolving around enhanced benefits for customer spending. • Provide merchants with a comprehensive solution through a range of offerings, including POS, merchant business cards, Soft POS and MauCAS. Product Portfolio • Credit cards (retail and corporate) • Shell card (specialised card for fuel purchases) • POS terminals • Merchant services Business Review (continued) ACTIVE CREDIT CARDS 45,000 52
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