CFSL Integrated Report 2025

STRATEGY & PERFORMANCE

49

Introduction

Group Overview

Leadership

Our Strategic Plan

Our Strategic Plan Cim Finance’s strategy is grounded in a clear long-term vision, supported by the discipline to remain focused on what matters most, and the flexibility to adapt as conditions evolve. The economic, market, labour, consumer and digital landscapes continue to shift at pace, prompting us to prioritise a strategy that remains relevant, resilient and actionable. Rather than viewing these changes as constraints, we see them as opportunities to refine our approach, strengthen our capabilities and accelerate innovation. This mindset has guided the continued implementation of our long-term plan, which is structured around three strategic priorities. These priorities are anchored in strong governance and regulatory compliance, and are designed to address both near-term pressures and emerging long-term trends. Together, they ensure that Cim Finance is well positioned to sustain responsible growth, enhance competitiveness, and create lasting value for all stakeholders. Each year, we report on our main initiatives and outcomes delivered under each pillar.

Drive Business Growth and Scale

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Expand and diversify our lending and payments franchise across priority customer segments and markets.

Our Pillars

• Grow digital and ecosystem-led products that deepen customer relationships and unlock new revenue streams.

•

Launched MoPay, a seamless digital instalment payment solution.

• Launched the Cashback Credit Card, offering uncapped rewards and full MoFinans integration. • Broadened footprint to three new African countries as part of Loinette’s growth. • Launched the Noubiznes card for SMEs.

FY 2025 Key Initiatives