Sustainability and Social Responsibility

1. Our Mission

"Sustainability at the heart of our banking identity."

At CAC Bank, we believe that true growth is growth that respects the rights of future generations. We are committed to integrating environmental, social, and governance (ESG) standards into the core of our operations to support Yemen transition toward a green and inclusive economy.

2. Strategic Pillars

We have built our strategy around three pillars designed to create tangible and inclusive impact:

• Green finance and climate:

We direct our financial resources toward environmentally friendly projects. This includes financing renewable-energy solutions for homes and commercial facilities, supporting climate-smart agricultural technologies, and investing in resilient and sustainable infrastructure.

• Financial inclusion and social impact:

We extend our services to the most remote communities. We focus on empowering rural communities, small farmers, and marginalized groups by providing accessible financial services that improve livelihoods, create decent job opportunities, and strengthen community resilience in times of crisis.

• Responsible operations and governance:

We start with ourselves. We apply strict policies to rationalize energy and resource consumption in our buildings, integrate climate risk into credit assessment standards, and remain fully committed to transparency and disclosure of our environmental and social performance.

Agricultural and Fisheries Finance

1. Introduction

"Food security is a national responsibility."

Building on our development role, we launched a comprehensive program to support the agricultural and fisheries sectors. We do not simply provide loans; we adopt national initiatives that aim to achieve self-sufficiency and support value chains for authentic Yemeni products.

2. Initiative Tracks

Our financing solutions are built around four strategic tracks aimed at strengthening production and sustainability:

First: Supporting national products

We work to enhance the competitiveness of cash crops that distinguish Yemen globally:

• "Bun" Initiative: Integrated support for cultivating and exporting Yemeni coffee, from nursery to roastery.
• "Shahd" Initiative: Empowering beekeepers to produce and market high-quality Yemeni honey.

Second: Sustainable water resources

In response to water challenges, we launched the "Ray" Initiative to finance the shift toward modern agriculture by providing water-saving irrigation networks and solar-powered pumps, ensuring agricultural production that does not deplete water reserves.

Third: Strengthening food security

We seek to reduce the food gap by financing projects that provide daily food needs:

• "Anaam" Initiative: Supporting livestock development, fattening projects, and poultry production.
• "Ghitha" Initiative: Providing essential agricultural inputs such as seeds, fertilizers, and greenhouses to increase crop yields.

Fourth: Developing the blue economy

We support fishermen in coastal areas through the "Bihar" Initiative, which provides financing for boat maintenance, engines, and cooling equipment to preserve the quality of fish resources and sustain fishermen income.

3. Target Groups

These initiatives are designed to serve everyone, from small farmers and fishermen in rural and coastal areas to cooperative associations and investment projects in food processing.