CFSL Integrated Report 2025

STRATEGY & PERFORMANCE

51

Introduction

Group Overview

Leadership

Business Review

CONSUMER FINANCE

WHAT WE OFFER

Credit purchase

Personal loans

Insurance product

24% increase in loans disbursed

PERFORMANCE HIGHLIGHTS • The year unfolded in a challenging socio-economic environment, marked by rising living costs, increased emigration and growing pressure on household budgets. The demographic landscape is also shifting, with a less favourable dependency ratio and continued youth emigration reducing the size of the active workforce. • Despite this environment, we saw a 13% increase in the volume of loans and credit issued during the year, reflecting growing demand for accessible financing solutions. • All lending decisions continue to be guided by disciplined risk management and our data-driven scorecards, helping customers access financing responsibly and sustainably (see Risk Management Report, page 89). • As part of our operational excellence agenda, we continued to streamline key processes, including the digitalisation of credit applications initiated in locations where Cim Finance employees are not present. This initiative has helped improve turnaround times, strengthen service levels, and reduce reliance on paper-based procedures.

PRIORITIES FOR FY 2026 • While we expect a challenging operating environment in the year ahead, we plan to maintain our focus on customer needs and operational efficiency. • Pursue the phased rollout of the new core lending system, building on the progress in Rodrigues and extending its implementation across Mauritius. • Develop and integrate fintech solutions to deepen customer engagement. • Work towards a fully paperless process, reducing administrative burdens and improving efficiency across operations.