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Our Latest Sustainability Report

Sustainability

All In, All Together

We leverage our ASEAN leadership to help clients manage climate, resource and social challenges while advancing a more resilient, greener and inclusive economy.

Background

Our Sustainability Progress

Meaningful change cannot happen in isolation; it takes all of us — banks, clients, shareholders, partners, regulators and communities —  working together with urgency, courage and hope, to address the pressing issues that will shape our future.

CIMB Leadership

  • Stewardship of ASEAN’s Transition

    CIMB aims to be a steady hand in ASEAN’s transition, working with governments, businesses and communities to build progress that endures.

  • Inclusive Progress by 2030

    By 2030, CIMB aims to stand for progress that includes everyone, supporting businesses, communities and economies to move forward responsibly and with resilience.

  • A Legacy Beyond Risk

    CIMB aims to be remembered not for the risks we avoided, but for the futures we helped build — for the communities we refused to leave behind, the environment we chose to protect, and the integrity we never traded away.

  • Integrating Interconnected Risks

    Climate, nature and human rights are no longer treated as separate concerns — they are interconnected drivers of financial, operational and reputational risk requiring an integrated governance response.

  • A Focused Strategy for Impact

    Our strategy over the years ahead is focused and deliberate: to finance the real-economy transition, expand financial access for underserved communities and strengthen long-term resilience for both the Bank and the region we serve.

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Sustainability Key Highlights in 2025

  • Mobilised RM39.8 billion in Green, Social, Sustainable Impact Products and Services

  • Four out of six sector-specific 2030 interim Net Zero targets are aligned with reference scenarios

  • Provided RM6.5 billion in financing to low-income families across ASEAN

  • Published Banking on Nature: Advancing our Nature Journey

  • Completed our Human Rights Saliency Assessment to identify and manage our most critical human rights risks

  • Disbursed RM28.7 million and contributed over 200,000 volunteer hours to local communities

  • #1 globally among 400 financial institutions and #2 in inclusive finance in the World Benchmarking Alliance’s 2025 Financial System Benchmark

  • MSCI ESG Rating upgraded to AAA up from AA previously

  • 88th percentile on the S&P Global Corporate Sustainability Assessment (CSA)

  • Earned our first CDP A-List recognition in the Supplier Engagement Assessment (SEA) for the 2025 disclosure cycle

Our Principles Background

Our Principles

Our Principles

  • Proactively integrate economic, environmental and social considerations in our business decisions, including financing, investments, and procurement, and in managing our people and operational impacts.

  • Recognise and be guided by internationally accepted principles from key organisations to promote responsible business performance.

  • Exercise a precautionary approach, taking due care and diligence to evaluate, adopt and advocate measures that will prevent and minimise environmental harm as well as promote social equality and equity.

  • Create net positive impact, adopting an inclusive approach to positively influence our business relations in their sustainability performance, and taking a holistic approach in striving for a Just Transition to a greener economy.

  • Engage actively and openly with our stakeholders regarding the management of sustainability risk, and to identify opportunities for sustainable development.

Sustainability at CIMB

Securing Future

Strong governance and disciplined risk management enable CIMB to serve stakeholders responsibly and support economic resilience. We strengthened our approach to climate and nature-related risks, human rights, and data-informed decision-making. Close engagement between leadership teams across the region helps ensure we remain responsible, relevant and adaptable.

  • Appointed Board Champions across key CIMB Boards to strengthen sustainability oversight and accountability at the regional level
  • Earned our first CDP A-List recognition in the Supplier Engagement Assessment
  • Established climate risk appetite thresholds for Malaysia, Indonesia, Singapore and Thailand
  • Completed the inaugural 2024 Bank Negara Malaysia Climate Risk Stress Testing (CRST) exercise for Malaysia, based on exposures as at 31 December 2023
  • Reduced Scope 1 & 2 (market-based) emissions by 50% from the 2019 baseline, exceeding our 2025 target of 45% and on putting us track toward our target of 100% reduction by 2030
  • Continued to manage our financed emissions, with four out of our six sectoral targets aligned with Net Zero reference pathways, working towards full alignment for all six sectors by 2030
  • Introduced a water risk assessment framework for selected water-intensive projects to evaluate water dependencies, availability and emerging risks
  • Published our inaugural Nature and Biodiversity Report aligned with Taskforce for Nature-Related Financial Disclosures recommendations, and with four key sectors in Malaysia assessed in line with the Locate-Evaluate-Assess-Prepare approach
  • Completed our first human rights saliency assessment to deepen understanding on sector and country-specific human rights risks
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Empowering Customers

Across ASEAN, businesses and individuals are adapting to rapid digital, economic and sustainability changes, increasing demand for accessible and reliable banking services. We continue to enhance our green and transition finance offerings while improving customer service. We also strengthened digital platforms, cybersecurity, and data and AI governance to support customers in a more connected and complex environment.

  • CIMB Malaysia was ranked among the top three for customer experience in the market in an industry-wide survey
  • Met 92% of core customer experience service level agreement indicators across Malaysia, Indonesia, Singapore and Thailand
  • Achieved 99.95% and 99.97% service uptime for retail banking and non-retail digital applications platforms respectively
  • Introduced the Extra Care initiative, which provides tailored support to customers who may require additional assistance, including elderly individuals, customers with physical or mental health conditions, those with visual, hearing or speech impairments, individuals with temporary or permanent disabilities or mobility challenges, customers with low financial literacy, and those who are less confident or proficient in using digital tools
  • Developed a set of Responsible AI Principles to guide how AI is designed, deployed and used across the Group
  • Mobilised RM39.8 billion of Green, Social, Sustainable Impact Products and Services to support our Wholesale, Commercial and Consumer Banking clients
  • Rolled out GreenBizReadyTM for SMEs in Indonesia and the Beyond Banking Sustainability programme in Singapore, providing tools, training and financing incentives to support measurable environmental and social progress
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Driving Actions

We advance our purpose by expanding access to financial services, supporting SMEs, and investing in the communities where we operate. We demonstrate our commitment through the capital we mobilise, the partnerships we build and the practical support we provide to individuals and businesses navigating an uneven economic landscape. We also continue to invest in our people, strengthening digital, sustainability and leadership capabilities while working with partners and the CIMB Foundation to promote more inclusive and sustainable development.

  • Extended RM6.5 billion of financing to low-income individuals across the region, and RM5.4 billion to micro and small enterprises
  • Onboarded over 43,000 registered refugees in Malaysia to the TNG e-Wallet, enabling them to receive and transfer funds digitally
  • Expanded financial literacy programmes, as well as fraud and scam awareness initiatives across the region, reaching children, youth, adults and senior citizens
  • Delivered 2.16 million training hours regionally, driving tangible business improvements and fostering professional and personal development for #teamCIMB
  • Maintained a gender pay ratio of 1.00 for males and 1.01 for females, indicating a very small gender pay gap at the overall Group level
  • Expanded employment opportunities for the differently-abled across the Group
  • Launched the Kita Bagi Jadi Komuniti to inspire Malaysians to embrace resilience and positivity in their daily lives
  • Invested RM28.7 million and contributed over 200,000 volunteer hours to local communities
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