A Year of

at CIB ... and counting!Sustainability

Issue 01 - Q1 - 2014

Dr. Medhat Hassanein's succinct, eloquent, expressive and moving quotation ...

"Sustainability is the mercy of God bestowed on human beings to coexist"

3

14

06

07

08

10

12

C o n t e n t sMessage from the Chairman

Message from Dr. Nadia

Sustainability Governance

Sustainability Pillars 2013

Achievements with a purpose

PC Sleep Mode

Capture the Beauty of Egypt

Sustainability Training

CIB & AUC: Professorship Endowment

Circulating Success

CIB sponsors Youth Salon

Did you Know?

Contribute to Sustainability

منور يا عم” أنور“

15

16

17

18

20

22

25

21

6

Message from theChairman

Banking is very much a service profession … it is all about people, relationships, trust, responsible business and sustainable growth. This is the essence of our forward-thinking Corporate Sustainability Initiative, launched in March 2013, as part of steady efforts to “lead by example”. Sustained leadership in today’s competitive banking industry is based on a holistic vision of the future … a vision that strikes a sound balance between the legitimate goal of increased profitability and financial health, as well as serving broader socio-economic and environmental interests. As such, business goals are inseparable from the well-being of society and the environment in which we operate; the backbone of any durable success.

That said, I am aware of the encouraging efforts of the newly established Sustainability Development Department and the positive momentum that continues to be generated in this promising field, particularly the growing engagement of our staff, our real wealth.

At the same time, I realize that an inclusive bank-wide commitment will gradually develop over time, based on penetrating analysis, best practices and lessons learnt, as well as global considerations. In the meantime, we need to build on our strengths and achievements … and they are many … and together, continue to grow our sustainability structures and collaborative action plans. Last but certainly not least, we should never lose sight of our characteristic “can-do-spirit” … as CIB advances into a true model of what can be!

Message from the

ChairmanHisham Ezz Al Arab

7

The CIB Board of Directors – and I am honoured to be one of them – continues to follow with admiration the strong commitment of the bank’s Chairman, senior executive management and staff to the internationally–recognized principles, standards and best practices of corporate sustainability.

Translating these into pragmatic results is reflected in the implementation of the bank’s forward-thinking Sustainability Strategy through a steady, inclusive and participatory approach.

When all is said and done:

• Corporate sustainability will advance the bank’s profitability and noble goals

• Open doors for new connections and fresh market forces

• Deepen support and recognition at various levels

• Provide a refreshing ripple effect.

All are rooted in a passionate desire to serve the interests of Egypt and humanity selflessly and enthusiastically, while attaining durable financial safety and soundness for the bank.

Message from

Dr. NadiaNadia Makram Ebeid

8

Sustainability Steering Committee 19/2/2014

Sustainability Governance

9

Sustainability Advisory Board:Approves sustainability frameworks, strategies, policies, initiatives and international affiliations & memberships.

Sustainability Steering Committee:Supports, reviews and monitors implementation of sustainability initiatives in line with CIB’s corporate sustainability strategy.

Sustainable Development Department:Develops, manages and reports on CIB’s sustainability efforts (strategies, policies, systems, initiatives, quick wins) & liaises with third party branding & training efforts.

Sustainability Green Team:Recommends new quick win ideas, implement various sustainability initiatives and spreads going green awareness.

SustainabilityAdvisory Board

SustainabilitySteering Committee

SustainabilityGreen TeamsS

usta

inab

le D

evel

op

men

t D

epar

tmen

t

CIB is already standing out as a leader on sustainability in the emerging markets on what will increasingly become a key differentiator for financial institutions Mark Goldsmith ( ACTIS Responsible Investment, Environmental, Social and Governance Expert )

10

Sustainability Pillars 2013

CIB FoundationWhat Did the Foundation Do?Over the past year the CIB Foundation has continued to support its existing programs including the 6/6 Eye Exam, Caravan volunteer project as well introduce new initiatives such as our blood donation campaigns.

Why?At the CIB Foundation we recognize the daily struggle Egyptians face in accessing quality affordable health care. Health institutions are overcrowded, underfunded and under-resourced. In an effort to bridge these gaps the CIB Foundation is committed to enhancing the quality of services provided to ensure the best possible care for our youngest citizens.

What Were the Results?

In 2013 alone the CIB Foundation provided over 4000 public elementary school children with free eye exams and care, supported over 450 children’s surgeries, collected roughly 800 blood bags from CIB employees, donated EGP 14 million to the Magdi Yacoub Heart Foundation to exclusively sponsor the second Pediatric floor in the Aswan Heart Centre’s Outpatient Clinic and allocated EGP 10 million to renovate and upgrade the Abou El Reesh El Mounira Children’s Hospital’s Emergency Ward and Reception Area.

For more info about the CIB Foundation check its annual report on the Intranet.

11

Assessment of Social and Environmental practices at CIBThe Sustainable Development Department coordinated and managed 22 meetings with 16 departments from all over the bank for an external consultant. This resulted in an assessment report and a gap analysis.

Why? To:• Consolidate the positive social and

environmental practices across CIB.

• Develop the sustainability framework (constitution document for sustainability) together with the sustainability road map (short-term and long-term sustainability milestones).

Awareness &Communication

The process of initiating a communication plan started in June 2013 to raise sustainability awareness and share “Green News”. This was implemented in October 2013 and will be an ongoing process.

LEEDWhat is LEED?Leadership in Energy & Environmental Design (LEED) is a third-party certification program and an internationally-accepted benchmark for the design, construction and operation of high-performance green buildings.

Developed by the U.S. Green Building Council (USGBC), LEED is intended to help building owners and operators find and implement ways to be environmentally responsible and resource-efficient.

Why? To:• Conserve energy and reduce water

consumption.• Save money & increase building value.• Improve indoor air quality and health.• Make better building material choices and

drive innovation.

What is CIB doing?In October 2013 a LEED Expert undertook an assessment. to turn the new Smart Village building into becoming LEED EBOM (Existing Buildings Operations and Maintenance) certified. follow up maintained.

Sustainability combines several different issues, from a risk perspective, the understanding of the Social and Environmental Risk Assessment will evolve by practice - Walid Fawzy (Head of Credit and Investment Exposure Management)

12

Rooftop GardenIn June 2013 a rooftop garden was developed in our New Smart Village building where fresh & organic vegetables and fruits are grown for home use.

Why? To:√ Create a healthy, relaxing and aesthetically

welcoming environment where CIB staff can take breaks and host events.

√ Enhance the working environment of CIB staff by applying innovative environmental solutions which can be replicated.

√ Plant large areas using water-efficient technologies.

√ Promote CIB’s green image in line with the bank’s Going Green Initiative.

1. Herbs Peppermint, Lavender, Rosemary, Thyme, Marjoram, Oregano, Spearmint, Lemon, Grass, Ginger and Basil.

2. Fruits & VeggiesStrawberries, Lettuce, Rocket, Parsley and Celery.

3. Indigenous PlantsPapyrus and Desert Shrubs.

4. List of GreensRocket, Jew’s Mallow, Radish, Dill, Parsnips, Parsley, Celery and Taro.

Sustainability is about respecting the environment since ‘we are living on a planet that is actually alive’. Everyone at CIB needs to understand the importance of being sustainable and saving the environment - Suzanne Omar (Trainers Manager at Human Resources)

Achievements With a Purpose!

13

Green WallA green living wall was established in the New Smart Village Building as a pilot branch to provide a green aesthetic touch inside the building.

Why? To:√ Improve the indoor air quality.

√ Provide employees and clients with a pleasant working environment.

√ Reduce the amount of energy used to maintain a inviting internal temperature in the building.

√ Promote CIB’s green image in line with the bank’s Going Green Initiative.

Sustainability is not just about saving trees or preserving the environment but has more to it such as creating a healthy lifestyle for the employees - Abeer Saleh (Director - Bank Assurance Head)

14

CIBians continue to provide creative ideas! A suggestion by Islam Marzouk, a green team member, was the PC sleep mode. Immediate implementation started in June 2013. All staff PCs enter a Sleep Mode after 5 minutes to save energy (previously every 30 minutes)

Sleep mode is taking your computer into the minimum power consumption mode and then back to work when pressing any key or mouse move.

Why? To:√ Reduce the computer kilowatts consumption by

25% to 40%.

√ Lower the depreciation for computers in the long-run.

√ Promote CIB’s green image in line with the bank’s Going Green Initiative.

PC Sleep Mode

By Islam Marzouk

Sustainability will increase the profit of CIB and that over the long-term it is much cheaper to be sustainable - Sally Assad (Associate at Corporate Banking Group)

15

CIBians … get ready to rediscover Egypt’s beauty through your Camera!√ An introductory workshop on professional/semi-

professional photography was held to give quick tips on how to capture the right moment.

√ Competition unveiled the artistic gifts of CIB’s multi-talented staff and gave them their chance to stand out!

√ Illustrated the rich diversity of Egypt’s natural heritage

√ Winners:1st Mohamed Tarek Ahmed

Alex Port Branch

2nd Micheal Ibrahim October Branch

3rd Ahmed Abdel KaderOperations Group

Capture the beauty of EGYPTPhotography Contest

1st place photo

البنك التجارى الدولى عامل زى نهر النيل اللى يمشى منه الزم يرجع له تانى – عم أنور

16

An ongoing training strategy has been prepared to institutionalize sustainability training at CIB for three main types of training:

1. Training of Trainers (ToT) sessions28 employees received the Sustainability Awareness session in 2013. Two ToT sessions were conducted covering 20 instructors from various departments to conduct the awareness sessions to the rest of the staff.

2. Sustainability Staff Awareness SessionIn October 2013, 12 sessions were dilivered to 1046 CIB employees in different departments across the four Head Offices in Cairo: Strategic Relations, Operations, IT, Human Resource, Call Center, Corporate Services, Credit Admin, Corporate and Risk. Also Nine Awareness sessions were

conducted targeting the Delta and Alexandria region.

3. Social and Environmental TrainingTwo sessions covering 18 selected members from Business and Risk group attended a two day S&E brainstorming workshop in 2013 to:

• Ingrain Sustainability into the mindset of all CIB employees to become part of their everyday life and promote it within their internal and external communities.

• Prepare the selected Social and Environmental Management System (SEMS) team attendees who will play a pivotal role in 2014 through the development of SEMS.

Sustainability Training

17

In light of CIB’s endeavours to promote the knowledge of banking via solid educational

programs, the bank along with the American University in Cairo have agreed to design the CIB

Professorship Endowment, for the creation of the position of “Professorship in Banking”. Founding

this new senior position at AUC conforms with CIB’s strategy of social responsibility of developing talent in the banking field in Egypt. The initiative will concentrate on developing the undergraduate curriculum in business education in the field of retail banking, satisfying the need for skilled human capital in the job market.

CIB is a leading private bank in Egypt it knows the way in the Egyptian banking sector to move forward because Sustainability is a very important process globally - Omar Khan (Ex-Chief Operations Officer)

CIB & AUC Establish The CIB Professorship Endowment

18

Samia Abdel NasserHuman Resources Group

Nadia HosnyCustody - Operations Group

Sally AssaadCorporate Banking Group

Ihab AshoubCorporate Services - Operations Group

Islam MarzoukCredit Administration - Risk Group

With our collective efforts, we’ll escort CIB towards a well-managed long-term sustainability journey where CIB be-sides being the “Best Bank in Egypt” can be justifiably recognized as “Egypt’s Number one green bank”

- Nihal Badawi ( Head of Sustainable Development )

Circulating SUCCESS

Top achievers were rewarded for their green accomplishments and proactive role towards the environment! On behalf of CIB and Sustainability team, we thank you for your creat ive initiatives.

For further details on their contributions, please refer to the intranet page.

19

Nader FouadHuman Resources Group

Ahmed NabilSustainable Development

Salma RamySustainable Development

Heba FaridRisk Exposure - Risk Group

Ahmed SamirCIB Brand

Mohamed SaberCorporate Services - Operations Group

Suzanne OmarHuman Resources Group

The main sustainability challenge is to change the mindset of the people - Adel El-Ashmawi (Director at Credit Exposure Management)

20

A Unique Young Generation of Egyptian Art√ CIB supports the work of young talented artists

as part of its national duty and sponsorship of art.

√ The art collection reflects a new blossoming Egypt, ingrained in those young artists’ hearts and minds and indeed many Egyptians.

√ This salon brings together a diverse group of artists from all over the country. Not only does CIB make an investment in art pieces and art crafts, but also, in encouraging those young talents to strive for further success and national pride.

CIB sponsors Youth Salon

21

Did you Know?* This info reflects 2013 collected data

22

Contribute to sustainability!

NONSMOKING

Adopting a tobacco-free environment provides a safe & healthy place for people to work and customers to visit while supporting a healthy bottom line for the workplace.

Glass BOTTLEEach glass bottle put back into circulation allows for enough energy savings for a 100 watt bulb to shine for 4 hours.

WasteOne plastic cup takes 300 years to biodegrade! CIB employees in the head offices only used 31,000 plastic cups weekly in 2013!by switching to reusable water bottles, we help save the environment.

Sort your waste according to material: paper, organic waste and others ...

Embedding sustainability initiativesinto our daily lives:

23

Don’t forget to switch off the lights.

Switching off five lights in hallways and rooms in your house – when you don’t need them – can save around EGP 1000 a year. This prevents the release of approximately 400 kg of CO2 gas/year.

SavingWaterWith your contribution in saving water consumption we can contribute to maintaining and sustaining our precious natural resources with a rewarding rate of return on future generations.

CAR “POOL”If you live far away from work instead of driving alone to and from your office each day, start a car pooling initiative with your colleagues and share the responsibility. It will save you time, petrol and help the environment!

SAY NOto plastic or paper bags

The plastic bags you use but for a few minutes can last for as long as 15 to 1000 years in the environment. Don’t get a new plastic bag each time you go shopping. Get a re-useable cotton bag instead and say ‘no thanks’ to plastic or paper bags.

25

١. أهال يا عم أنور. تعالى نبتدى من البداية. بقى لك اد ايه فى البنك التجارى الدولى؟

أهال بحضرتك. أنا فى البنك من سنة ١٩٧٥.

٢. يا ترى اشتغلت فى حته تانية قبل البنك؟قضيت تسع سنين فى البنك األهلى.

وانطباعاتك دى العمر رحلة من نستفيد عاوزين .٣وذكرياتك عنها. شايفها شاقة واال شّيقة؟

فى عملى خصوصا األحيان، أغلب فى وممتعة شيقة

البنك التجارى الدولى. أصل بنكنا ده فى الحقيقة مدرسة ... مدرسة للحياة ... اتعملت فيها ومنها الكثير. لكن أعظم العاملين بتميز اللى الحميدة ما شوفته هنا هى األخالق فى البنك، سواء كانوا من المديرين أو الموظفين. وأهم ما يتصف به البنك بتاعنا، ورئاسته ومجلس إدارته العليا اإلنسانى البعد هو ... الواضحة للكفاءة باإلضافة ...البنك شئون إدارة فى الحكيمة والتصرفات والقرارات

وحل أى مشكلة.٤. ايه اللى خالك متمسك بالبنك العمر الطويل ده؟

روح التسامح الجميلة واألخالق النبيلة والعمل بروح الفريق

منور يا عم ”أنور“

24

أحب شغلى وأكثر، خالنى ده، ... كل المتبادل واالحترام وأتفانى فيه خالل األربعين سنة اللى فاتت ... أصل دايمًا األيام الحلوة بتمر بسرعة رهيبة ... غير ان البنك العظيم ده ليه فضل كبير عّلى. أنا فاكر مثال أول أرباحى، تعرفى حضرتك كانت كام؟ ما تعدتش ستة جنيه وقتها! دلوقتى، أنا الحمد لله نجحت فى بناء بيتى، وحجيت وعملت عمرة ... والفضل كله، بعد ربنا، للبنك. وده خالنى أحس باالنتماء للبنك وأتمنى له دايمًا كل نجاح وتقدم كمان وكمان يارب.

وعاصرت التاريخ" على بيقولوا "شاهد ما زى انت .٥مراحل مختلفة فى البنك ... احكى لنا يا عم أنور ...

بنك كان الجديد، البنك الشغل فى كنت خايف جدًا من بصرامة بيتعاملوا األجانب من أعضاؤه وكان مبتدئ شديدة مع العمال. أفتكر "الخواجة" اللى كان يدخل ويخرج بيكبر البنك إزاى شفت ولكن الوقت! طول "يزعبب" بصورة ملحوظة وإزاى كان عمالئه من الناس والشركات المميزين والمحترمين. البنك دلوقتى بيجرى ... ما شاء الله

على إدارة األستاذ هشام خالل ١٢ سنة ... حاجة تفرح ...

فى يوم تانى. الساعة بعقارب نرجع تعالى طيب، .٦حياة عم أنور فى أول درجات السلم كان شكله إيه؟

كنت بصور وأوزع الجوابات التعريفية للبنك بنفسى. فأبدأ رحلتى من مدينة نصر وانتهى فى حلوان كل يوم. أصلى كنت باشتغل فى البنك من أيام ما كان عدد الموظفين

لسه مش كبير زى النهارده ما شاء الله.

٧. بتوفق بين حياتك الشخصية والشغل إزاى؟"للصبح" بشتغل كنت شغلى بداية فى افتكر ما على وأحيانًا تضطرنى الظروف إنى أبيت فى البنك، لكن دايمًا

كنت فخور ومطمن للشغل فى المؤسسة دى.

٨. لو رجع بيك الزمن كنت حتكمل فى البنك؟ معظم اللى بيعمل فى البنك هنا ما يقدرش يتخلى عنه يسيبه اللى ... العظيم النيل نهر زى ده البنك بسهولة. بيبقى عايز دايمًا يرجعله تانى ... أتمنى أشوف البنك ده

دايمًا فى أحسن حال.

٩. يا ترى سمعت عن مبادرة "االستدامة" يا عم أنور؟داخلين إحنا لألسف طبعا سمعت، وبساهم فيها كمان.

النهضة سد عن بنسمع شوية وكل ميه، أزمة على والبنزين. الكهربا فى كبير عجز عندنا وكمان ومشاكله. مبادرة "االستدامة" كويسة جدًا علشان هاتساعد فى الحد من المشاكل دى وهنوفر مع بعض فى استخدام الطاقة وبالشكل الطبيعية، ونحافظ على مواردنا والورق والميه دايمًا والبنك والدنا. ومستقبل بنأمن مستقبلنا إحنا ده

بيضرب المثل األعلى.

١٠. عظيم ... تفتكر الكل ممكن يساعد إزاى؟أنا متعود أتمشى فى اإلدارة علشان أتأكد إن أجهزة التكييف أنا الفاضية. واألماكن المكاتب فى شغالة مش والنور ميزانية بيحمل الكهربا، فى خصوصًا الفاقد، إن عارف واحيانًا الكهربا باطفى وبالتالى جدًا كبيرة تكلفة البنك بابدلها بلمبات "نيون" أو إضاءة موفره للطاقة، وبحاول دايمًا أقلل من استخدام النور الزيادة بشكل عام. وباستمرار أنا بابذل جهد فى الكالم مع زمالئى على ضرورة التوفير فى االستهالك العام فى الكهربا والميه فى البنك. وكمان بيلتزم بمبادرة االستدامة اللى باشوفه من زمالئى مش لو قللنا من فاتورة انه افكره البنك، اللى بيحرص عليها مرتباتنا هاتزيد وبالتالى البنك ربحية هاتزيد مثال، الكهربا المبادرة على الحرص وبعدين سنة. كل أرباحنا ونسبة فاليه ما أى حاجة، الموظف االيجابية دى مش هايكلف نبقاش كلنا حريصين على االلتزام بيها من أجل المصلحة

العامة وعلشان ربنا يبارك لنا كلنا؟

١١. أنا باحييك على الوعى الكبير ده يا عم أنور. ياريت الحضارى ده. طيب بالشكل مصر كلها تفكر وتتصرف إيه لموظف جاى تقول ده، الممتع الحديث نهاية فى

جديد فى البنك؟ربنا بيحبك!

منور دايمًا يا عم أنور ...ده نوركم طبعا ...

Let Your Creativity Shine!

Sustainability SuggestionsCIB is endowed with some of the best and brightest

minds!Share with us your inspiring and creative ideas on

sustainability.development@cibeg.com