CFSL Integrated Report 2025

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Risk Management

Corporate Governance

Statutory Disclosures

Financial

ENSURE WE EXECUTE OUR STRATEGIC ROADMAP

OUTPUTS AND OUTCOMES

FINANCIAL CAPITAL • Delivered improved turnover and profit after tax, generating greater returns and reinforcing shareholder value.

HUMAN CAPITAL • Collaborative and high-performing teams driving customer excellence. • A diverse workforce engaged through continuous training and development.

Drive Business Growth and Scale

Improve Operational Excellence

INTELLECTUAL CAPITAL •

Streamlined processes and operations. Omnichannel solutions/services.

Optimise and Stabilise Workforce

• • •

Customer satisfaction.

Well-known brand and strong reputation.

RELATIONSHIP CAPITAL •

Strengthened customer engagement through tailored services. Growth in SME businesses through personalised advisory support. • Long-term partnerships with all stakeholder groups. •

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.

MANUFACTURED CAPITAL • Enhanced operational efficiency and reduced costs through LEED-aligned buildings. • Well-maintained infrastructure supporting safe, efficient and green operations.

SOCIAL & NATURAL CAPITAL • Positioned as a leading group in sustainable finance through the SEMSI inclusion, the Green Bond and responsible lending. • Reduced environmental footprint through lower energy, water and waste consumption. • Meaningful support to NGOs and communities, driving positive impact.