Climate Change Data

Environmental Metrics

ESG Focus Areas

• Climate Action
• Water Management
• Waste Management
• Energy Efficiency
• Workforce Diversity
• Employee Training and Development
• Financial Inclusion
• Islamic Banking
• Community Welfare
• Sustainable Procurement

Environmental Achievements

• Issued the first Green Bond (Kijani Bond) in Tanzania, valued at US$300 million, the largest in Sub-Saharan Africa; first tranche oversubscribed by 429.6%
• Reduced paper usage by 5%
• Reduced water consumption by 6%
• Recycled 50,293 kgs of waste
• Green asset ratio of 7%

Social Achievements

• Increased customer base to over 4 million (29% YoY growth)
• Expanded agency banking network to 34,627 agents (23% YoY growth)
• Invested TZS 2.8 billion in corporate social initiatives
• Improved employee satisfaction survey score to 87% (from 70% in 2020)
• Achieved 44% female representation in the workforce (targeting 50:50 by 2027)
• 42 women promoted to middle and senior management levels
• Onboarded 112,621 customers and financed TZS 139 billion through Islamic banking

Governance Achievements

• Established an Environmental, Social, and Climate Management Risk Policy
• Implemented a robust risk management framework
• Achieved ISO 27001 and PCI DSS certifications for cybersecurity and data privacy
• Paid TZS 505 billion in taxes and social security contributions (2022: TZS 421 billion)
• Implemented a whistle-blowing policy

Climate Goals & Targets

Environmental Challenges

• Climate change impacts on customers' creditworthiness and business disruptions
• Regulatory changes and policy standards
• Risk of stranded assets

Mitigation Strategies

• Integrating ESG factors into lending processes and risk assessments
• Developing climate risk assessment tools and procedures
• Creating a climate risk dashboard
• Strengthening governance processes and risk frameworks
• Building staff capacity on climate and ESG matters
• Applying international best practices (including IFC Performance Standards)

Supply Chain Management

Responsible Procurement

• Prioritizing environmental and social considerations
• Ethical business practices
• Competitive tendering
• Preference for local suppliers

Climate-Related Risks & Opportunities

Physical Risks

• Adverse impact on customers' creditworthiness
• Business disruptions

Transition Risks

• Regulatory changes
• Policy standards
• Stranded assets

Opportunities

• Financing sustainable projects
• Investment in eco-friendly technology
• Issuance of sustainable bonds

Reporting Standards

Frameworks Used: GRI Universal Standards, Dar es Salaam Stock Exchange (DSE) guidelines, Central Bank of Tanzania’s Guidelines on Climate-Related Financial Risk Management, 2022

Certifications: ISO 27001, PCI DSS, ISO 22301:2019 BCMS

UN Sustainable Development Goals

• SDG 5: Gender equality
• SDG 8: Decent work and economic growth
• SDG 10: Reduced inequalities
• SDG 13: Climate action

Initiatives supporting women's empowerment, financial inclusion, sustainable finance, and community development

Sustainable Products & Innovation

• Kijani Bond
• Climate adaptation technologies and practices
• Credit guarantee facility
• Weather-indexed insurance product

Awards & Recognition

• Global Islamic Finance Award (GIFA)
• Africa Procurement and Supply Chain Awards: Excellence in Procurement Innovation