CFSL Integrated Report 2025

GROUP OVERVIEW

21

Introduction

Leadership

Strategy & Performance

Value Creation Model

OUR DIVERSIFIED ACTIVITIES ARE GUIDED BY A CLEAR STRATEGIC PLAN CAPITAL INPUTS

OUR ACTIVITIES

FINANCIAL CAPITAL Shareholders’ equity and debt, managed strategically and with discipline to fuel growth, maintain financial stability and deliver dividends.

CONSUMER FINANCE

HUMAN CAPITAL The expertise, skills and knowledge of our 1,000+ employees, continuously nurtured through training, development and wellbeing initiatives.

FACTORING

LEASING

INTELLECTUAL CAPITAL Proprietary processes, scorecard, mobile app and relationships that drive innovation and competitive advantage.

CREDIT CARDS

RELATIONSHIP CAPITAL Trusted partnerships with our people, customers, merchants, suppliers and society that strengthen collaboration and create shared value.

POS SERVICES

SME LOANS

MANUFACTURED CAPITAL Physical assets, including our network of counters and buildings, increasingly designed and operated with sustainability and Leadership in Energy and Environmental Design (LEED) standards in mind.

ECOMMERCE SERVICE

SOCIAL & NATURAL CAPITAL Engagement with community members and non-governmental organisations (NGOs), and responsible resource consumption to reduce environment impact and support societal wellbeing.

INSURANCE