Balance
$0 MDP
Assets
$0 MDP
Revenue
0MDP
Net Portfolio
Operating Profit
$0 MDP
0 MDP
Net income
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Sustainability Report
LETTER FROM THE CHAIR
Our market and our reality are constantly changing, which is why our transformation is ongoing and reflected at all levels and in all processes of our operation. Taking into account our leading position in the trust segment and our strong presence in the foreign exchange market during 2024, we are focusing on optimizing and digitizing processes to make our operation more efficient, but also more humane. That is why we invest in training our team, increasing the average number of training hours per employee from 15 to 24 in technical, regulatory, and educational topics that encourage their growth and that of the organization.
Our track record of more than 40 years in Mexico has been marked by compliance and, in recent years, by our leadership in the foreign exchange and trust sector. In 2024, we opened new doors in the corporate banking sector with the backing of DEG Development Bank (a subsidiary of the KfW Group) and carried out our first subordinated debt issue for USD 25 million, which will strengthen our participation in the national credit market, supported by our Social and Environmental Risk Management System (SARAS, for its acronym in Spanish), which we have structured with the aim of enabling our operations to identify and mitigate the risks and impacts that our loans have on our social and environmental environment.
In addition, aware of the importance of risk management in our day-to-day operations, in 2024 we audited and renewed the ISO 9001:2015 certification of our Quality Management System to prevent operations with resources derived from money laundering and terrorist financing, which has been in place since 2015.
The Sustainability Report reflects CIBanco’s ongoing commitment to maintaining sustainable operations and the trust and security of our customers, who are our priority. We will continue to focus on technological transformation as our main value proposition for our more than 3,000 employees, 5,000 suppliers, 70,000 customers, and all the individuals and companies that are part of our business ecosystem and contribute every day to the achievement of our objectives. To everyone, thank you for your trust and preference.
Sincerely
Lic. Jorge Rangel de Alba Brunel
Chairman of the Board of Directors
CIBanco S. A.
INSTITUTIONAL
PROFILE
Provision of financial services in Mexico, prioritizing sustainability as a core business principle for the mutual benefit of individuals and companies, supported by ongoing digital transformation that optimizes our operations, expands our reach, and is the hallmark of our commercial strategy. After 17 years of operation, we have consolidated our position in the foreign exchange and trustee business segments, where we are industry leaders.
We provide innovative and sustainable financial solutions, and we always value proximity and service. That is why we have 214 branches nationwide, where more than 1,800 employees are focused on serving our customers. We protect them with a cutting-edge risk management and compliance structure.
We are committed to ensuring a sustainable present for our customers, the financial sector, and the country as a whole. To this end, we seek to generate a positive impact on economic, environmental, and social development. In this report, we detail our sustainable business strategy and vision.
Sustainable Banking Solutions
Cibanco in Figures
Clients
+70K
63%
Companies
37%
Individuals
+2.8k #
Trusts
+1K #
+29K #
+2K #
Commercial loans
Consumer loans
Home loans
2,913,199 MM
Assets under management (trustee)
Infrastructure
10 #
Regional Centers
Branches
214 #
478 +
18K +
ATM's
TPV's
1,833#
Promoters and branch staff
0 #
Employees
SUSTAINABLE CHALLENGES AND ACHIEVEMENTS
(Based on the 2023 challenges)
GRI 3-3
| ODS | TARGET | ADVANCE | ACHIEVEMENT |
|---|---|---|---|
|
Corporate ethics and governance
|
The entire organization will confirm its knowledge and acceptance of our sustainability policy. |
100%
|
During July 2024, our sustainability policy was communicated to all our employees. |
| Integrate more women into decisionmaking and management positions. |
100%
|
One woman sits on the Board of Directors. | |
|
Sociales
|
Define and implement a gender equality policy. |
50%
|
The Gender Equality and Ethics Committee was formed to guide policies and plans in this area. |
| Establish a responsible purchasing protocol. |
50%
|
We developed our Green Procurement Policy in accordance with the building’s LEED certification processes. | |
| Strengthen partnerships for the promotion of sustainable finance. |
100%
|
We actively participate in the ABM’s sustainability committees. | |
|
Economic
|
Implement a Social and Environmental Risk System for corporate banking loans |
80%
|
We developed SARAS manuals and procedures and trained 20 executives to launch the pilot program in 2025. |
|
Environmental
|
LEED certification for the Corporate Building. |
50%
|
WE HAVE BEGUN THE LEED CERTIFICATION PROCESS. |
CORPORATE GOVERNANCE AND ETHICS
Achievements 2024
11 consecutive years voluntarily reporting our sustainable achievements and challenges.
We have a woman on our Board of Directors, and women also hold 26% of senior management positions..
33%
of our directors are independent.
33,824
hours of regulatory training.
Government structure
CORPORATE GOVERNANCE AND ETHICS
BOARD OF DIRECTORS
Our Board is responsible for establishing the institution’s strategic vision and for implementing, monitoring, and evaluating its execution through the corresponding committees. All meetings of the Board of Directors are recorded in detailed minutes, which are signed by the chairman, the secretary, and the auditor. These minutes allow for monitoring the implementation of recommendations and evaluating their impact. The members of the Board are selected and appointed by the Shareholders’ Meeting. The functions of the Board are:
Committees in which they participate
Risk
Credit
Communication and Control
RRemuneration
Audit
Sustainability
P
Chair
M
Member
MI
MGuest Member
ME
External Member
MS
MAlternate Member
S
Secretary
The average age of the directors is 62 years old
See a brief profile of our directors here..
SUSTAINABILITY COMMITTEE
This is an independent advisory body to the bank’s operations that strengthens the internal management system for business sustainability. It is composed of experts in environmental, social, and sustainable business issues. In 2024, the composition of the committee remained unchanged from the previous reporting year. This committee collaborates with and reports to the Sustainability Department and the CEO.
CHAIRMAN
Julio Emilio Madrazo Garcia
Independent External
Committee member since
2012
MEMBER
Françoise Lavertu
Independent External
Committee member since
2015
MEMBER
Gustavo Alanís Ortega
Independent External
Committee member since
2012
GUEST / SECRETARY
DIRECTOR OF SUSTAINABILITY
Executive
Committee member since
2012
MEMBER
Gemma Santana Medina
Independent External
Committee member since
2022
MEMBER
Rodrigo Villar Esquivel
Independent External
Committee member since
2012
GUEST
APPOINTED DIRECTOR
Executive
Committee member since
2022
NUMBER OF MEETINGS IN 2024 AND MOST RELEVANT TOPICS DISCUSSED
2 MEETINGS
Advances in the bank’s green products
Development of SARAS internal regulations
Corporate Ethics
Immersion in our ethical culture begins with the induction process, where new employees receive training on the Code and internal procedures, ensuring at every step the dissemination and maintenance of our organization’s values and ethical standards. This process was carried out for 677 people in 2024. In addition, we conduct annual regulatory training that includes sending the updated Code to employees, followed by a questionnaire to assess their knowledge of it. 2,948 employees completed the process and reaffirmed their knowledge and acceptance of the ethical principles in our Code. Additionally, we provide ongoing regulatory training on ethical topics related to our operations, ranging from gender equity to cybersecurity. Training hours increased by 178% compared to the previous year.
Regulatory Training Hours
2022
11,233
hours
2023
12,160
hours
2024
Economic Strategy
16%
of our product portfolio helps reduce emissions generation
+19%
in credit portfolio and
-2%
in delinquency rate vs. 2023
First Subordinated Debt Issuance with DEG Fund, subsidiary of German bank KFW
We developed our Social and Environmental Risk Management Policies and Manuals (SARAS) for all corporate banking operations.
Super App and Banking Portal Development
Digital Transformation
Our transformation is continuous and is reflected at all levels and processes of our operation. We evolve to strengthen the connection with our employees, diversify our board, and promote an innovative and inclusive internal culture. For the third consecutive year, digital transformation is the transversal axis of our entire operation and translates into more and better solutions for our clients.
We have developed a new banking portal and a super App with Artificial Intelligence features. We have also created a control center for preventive monitoring of operations and incorporated innovative tools such as the Viewer for promoter and client portfolios, as well as WhatsApp Business integration. This will allow us to implement a new CRM in 2025 to optimize management and understanding of our clients' needs.
In terms of security, we apply multi-layered measures to protect our customers’ data at every stage of its lifecycle, from collection and storage to transmission and proces- sing. We use advanced encryption techniques to protect information both at rest and in transit, ensuring its confidentiality and integrity at all times. During 2024, no fines or penalties were received in relation to breaches of the privacy of our customers’ or employees’ information.
The percentage of bank transactions that were conducted through digital channels in 2024 was
48%
Total transactions 2024:
5,057,881
|
2023 Scope
|
2024 Scope
|
Total Transactions 2024
|
% Transactional 2024
|
|
|---|---|---|---|---|
|
Digital Channels CINet CIMobile |
59,632 Active clients 17,159 Active clients |
68,506 Active clients 27,259 Active clients |
1,975,849 445,138
|
2,420,987 48% of total |
|
Traditional Channels ATM Bank Branch |
177 Own ATMs 73 Own ATMs 216 Branches |
176 Own ATMs 325 Own ATMs 214* Branches |
1,048,317 547,655 1,040,912 |
2,636,894 52% of total
|
|
Other Customer Service and Operation Channels CIDirect Point of Sale Terminals (POS) |
166,018 Calls received 91.3% Answered 13,289 Chats within CIBanco portal 13,289 Chats 90.4% Answered 88,730 Active terminals |
166,045 Calls received 91.3% Answered 15,546 Chats within CIBanco portal 15,546 Chats 90.4% Answered 18,172 Active terminals |
181,591 16,499,957 |
* In addition to the branches, there are 10 regional centers, 11 promotion offices and the corporate building in CDMX. |
|
2023 Scope
|
|
|---|---|
|
Digital Channels CINet CIMobile |
59,632 Active clients 17,159 Active clients |
|
Traditional Channels ATM Bank Branch |
177 Own ATMs 73 Own ATMs 216 Branches |
|
Other Customer Service and Operation Channels CIDirect Point of Sale Terminals (POS) |
166,018 Calls received 91.3% Answered 13,289 Chats within CIBanco portal 13,289 Chats 90.4% Answered 88,730 Active terminals |
|
2024 Scope
|
|
|---|---|
|
Digital Channels CINet CIMobile |
68,506 Active clients 27,259 Active clients |
|
Traditional Channels ATM Bank Branch |
176 Own ATMs 325 Own ATMs 214* Branches |
|
Other Customer Service and Operation Channels CIDirect Point of Sale Terminals (POS) |
166,045 Calls received 91.3% Answered 15,546 Chats within CIBanco portal 15,546 Chats 90.4% Answered 18,172 Active terminals |
|
Total Transactions 2024
|
|
|---|---|
|
Digital Channels CINet CIMobile |
1,975,849 445,138
|
|
Traditional Channels ATM Bank Branch |
1,048,317 547,655 1,040,912 |
|
Other Customer Service and Operation Channels CIDirect Point of Sale Terminals (POS) |
181,591 16,499,957 |
|
% Transactional 2024
|
|
|---|---|
|
Digital Channels CINet CIMobile |
2,420,987 48% of total |
|
Traditional Channels ATM Bank Branch |
2,636,894 52% of total
|
|
Other Customer Service and Operation Channels CIDirect Point of Sale Terminals (POS) |
* In addition to the branches, there are 10 regional centers, 11 promotion offices and the corporate building in CDMX. |
Risk Management
The Comprehensive Risk Management process is a set of objectives, guidelines, and procedures carried out to identify, measure, monitor, limit, control, report, and disclose the different types of risks to which we are exposed. We maintain rigorous mechanisms and controls to manage different types of risk, optimizing the risk-return relationship through methodologies such as Value at Risk (VaR), position monitoring, and portfolio diversification. We analyze portfolio concentration, probability of default, and borrower risk exposure, establishing operating limits and continuous monitoring.
Social and Environmental Risks
In 2024, we developed our Social and Environmental Risk Management System (SARAS) aligned with the Corporate Banking credit process. This system consists of an environmental policy, an exclusion list, a risk categorization, assessment, and reporting toolkit, aand specific clauses in agreements. By classifying environmental and social risks as high, medium, or low according to principles of proportionality and relevance aligned with the bank’s operations, we also define the requirements and processes that each loan/customer must comply with, depending on their risk level, ranging from self-declaration questionnaires to third- party verifications.
Our SARAS is compatible with the current environmental and social regulations in Mexico and can be adapted to internal workflows because we involve and train all areas related to credit granting, assigning clear responsibilities for managing these risks. Our system encourages the adoption of good environmental and social practices among our clients, in line with our sustainable philosophy.
In 2025, we will launch the SARAS pilot program in our banking operation, ensuring its proper implementation and continuous improvement. To this end, we are training 20 people in social and environmental risk management.
Anti-Money Laundering Prevention System (AML)
The Money Laundering Prevention System allows us to identify, monitor, direct, and report on customer transactions during the registration, transactional, and post-transactional processes, in order to ensure that the resources we manage do not originate from or finance criminal activities. This action involves the following in each process:
3,217 employees, with support from ABM, completed their AML certification process, achieving 9,642 training hours in this matter, 12% more than the previous year.
Cybersecurity
Our information security strategy is designed to protect digital assets, minimize cybersecurity risks, and ensure operational continuity. During 2024, controls were strengthened, in line with best practices, for all business areas, suppliers, and customer relationships, ensuring the protection of the technological infrastructure. All these areas contribute to maximizing return on investment.
During 2024, improvements were implemented in multiple security platforms, including cryptography, biometric authentication, privileged account monitoring, and ATM security. Also, cybersecurity investment increased by 21% compared to 2023. Staff training was key: 3,305 employees actively participated in trade association certification, generating 9,608 hours of training.
Green Products
We offer environmentally responsible financial solutions so that individuals and companies who trust us with their assets and investments can have a double positive impact: on their finances and on their environment. Products such as CIPanel Solar and CIAuto Verde contribute to reducing emissions and promoting responsible consumption of resources.
We define as Green Portfolio as products that contribute to reducing emissions, closing at $2,421 million, representing 16% of our Credit Portfolio, which in 2024 was $15,046 million.
In 2024, the Green Portfolio was
$2,421 million
16%
of the total
of our credit portfolio
|
2024
|
2023
|
Variation in the number of credits granted
|
|
|---|---|---|---|
|
Total credit portfolio (Figures in millions of pesos) |
$15,046 |
$12,679 |
2024 +14% in the number of CIPanel credits (628 credits) +780% in the number of CIAuto credits (11,688 credits) 2023 +21% in the number of CIPanel credits (550 credits) -82% in the number of CIAuto credits (149 credits) |
|
Total green portfolio CI Panel
CI Auto Verde (Electric/Hybrid)
|
$2,421 (16% of the portfolio is green) $164 (82% individuals and 18% companies) $2,256 (98% for individuals and 2% companies) |
$162 (1% of the portfolio is green) $121 (61% individuals and 39% companies) $41 (100% for individuals) |
|
|
Total traditional CIAuto portfolio |
$15,046 |
N/A |
|
2024
|
|
|---|---|
|
Total credit portfolio (Figures in millions of pesos) |
$15,046 |
|
Total green portfolio CI Panel
CI Auto Verde (Electric/Hybrid)
|
$2,421 (16% of the portfolio is green) $164 (82% individuals and 18% companies) $2,256 (98% for individuals and 2% companies) |
|
Total traditional CIAuto portfolio |
$15,046 |
|
2023
|
|
|---|---|
|
Total credit portfolio (Figures in millions of pesos) |
$12,679 |
|
Total green portfolio CI Panel
CI Auto Verde (Electric/Hybrid)
|
$162 (1% of the portfolio is green) $121 (61% individuals and 39% companies) $41 (100% for individuals) |
|
Total traditional CIAuto portfolio |
N/A |
|
Variation in the number of credits granted
|
|---|
|
2024 +14% in the number of CIPanel credits (628 credits) +780% in the number of CIAuto credits (11,688 credits) 2023 +21% in the number of CIPanel credits (550 credits) -82% in the number of CIAuto credits (149 credits) |
Our People
Risk Management
We are committed to promoting a culture of digital literacy and equality in our daily work, consolidating the Gender Equity and Ethics Committee. We also launched an internal app to strengthen our communication. Our team grew by 1%, and the overall hiring rate was three percentage points higher than the turnover rate. 298 promotions were granted and the representation of women in management positions remained at 26% during 2024. For the first time, a woman joined the board of directors.
Employee Number History
2024
3,305
2023
3,279
our team is comprised of
52%
48%
94%
have indefinite term contracts.
Our average turnover rate is
20.38%
Our average hiring rate is
23.39%
Women
Turnover rate
Man
Hiring rate
2024 Achievement Carousel
Digital Innovation
We implemented a new CIGrupo HR APP improving the work experience.
We maximized resources by reducing paper usage.
We drove digital transformation, promoting a more agile and efficient culture.
We streamlined service and reduced response times for requests.
We optimized talent management, allowing us more strategic and effective administration.
Promotions
175
123
Total
298
Alliances
With the objective of strengthening talent management, we participate in:
Human Resources Committee at ABM
Human Resources Subcommittee at AMIB
Certification Committee at AMIB.
Home Office
200
Employees in the Home Office model.
Mental Health
We updated our Psychosocial Risk Prevention Policy in 2024.
Benefits and Allowances
| Benefit | Description |
|---|---|
| Year-end Bonus | 30 days of salary per year |
| Vacations | Legal scheme |
| Savings Fund | 13% of salary with legal cap |
| Grocery Vouchers | 10% of salary with legal cap |
| Food Vouchers | $500 pesos monthly |
Fixed Compensation and Variable Compensation
Young Talent
The Trainee Program provides young talents with comprehensive training within the business, through structured rotation through different areas of the bank, according to their profile and interests.
In 2024, 7 Trainees participated in this initiative.
Recognition
276
People were recognized for their trajectory at the Bank of 10, 15, 20, 25 and 30 years
Occupational Health and Safety
GRI 403-1, 3-3
Promoting a healthy and safe work environment fosters the well-being of employees and their families. This is precisely the objective of the CI Quality of Life Institutional Program, which in 2024 achieved record participation figures and integrated meaningful experiences, reaffirming our commitment to preventing factors that contribute to work-related stress and promoting the overall health of our team. The most representative initiatives of the year were:
Human Capital Development
GRI 404-1 y 3-3
We provide employees with the skills and technical expertise necessary to ensure tthey perform their duties optimally while simultaneously promoting their growth within the bank and maximizing the potential of processes and resources.
To supervise, evaluate, monitor, and authorize all processes related to our training strategy, we have a Training Committee made up of the CEO, executive directors, and the Human Capital director. This committee is responsible for monitoring the Annual Training Plans, which are developed specifically for each business area. In 2024, training was mainly conducted in a virtual format, with a total of 370 courses, and some meetings were held in person.
In 2024, 79,258 hours of training were provided, representing a 59% increase over the previous year, when we reached a total of 49,667 hours. Our training focuses on three areas: 1) Technical: focused on processes and methodologies for operation, representing 39% of training hours. 2) Regulatory: focused on legal aspects and risk management, ccounting for 43% of training hours. 3) Educational: focused on service and general aspects of our bank, comprising 18% of training hours.
Employees
| 2024 | 2023 | 2022 | |
|---|---|---|---|
|
Training hours |
79,258 | 49,667 | 49,667 |
Training investment |
$4,745,236 | $5,732,236.16 | $5,382,381.37 |
|
Average hours |
24 | 15 | 11 |
DIVERSITY AND EQUAL OPPORTUNITIES
GRI 405-1 y 3-3
Instilling a culture that supports and promotes gender equality and business ethics requires commitment and leadership by example. That is why our Gender Equality and Ethics Committee is made up of employees and executives who help us integrate these principles into the day-to-day operations of the company.
The Gender area, established in 2023, succeeded in implementing the Committee, which held its first meeting on October 10, 2024. At this meeting, the members, their functions, the frequency of meetings, and the casuistry for the period were established. In addition, the first call for applications for the Gender Equality Course with the ABM was launched, with a total of 2,908 accredited colleagues.
26% of management and assistant management positions are held by women.
A woman joined the board of directors.
33% of employees are between 31 and 40 years old.
RESPONSIBLE CORPORATE CITIZENSHIP
We have adopted commitments to integrate best practices and sustainability principles into every aspect of our operations, promoting a fair transition of the financial sector and the country toward more responsible economic models. By strengthening our employees and suppliers, as well as our responsibility as corporate citizens, we foster a sustainable relationship with the community. Our participation and adherence to various national and international initiatives reflect our firm commitment to this purpose.
For the eighth consecutive year, we have been recognized as a Socially Responsible Company by the Mexican Center for Philanthropy (Cemefi, for its acronym in Spanish). (Cemefi)
2012
Equator Principles. We evaluate our investment projects to avoid adverse social, environmental, and climate impacts in line with this methodology.
2016
Association of Banks of Mexico. We are signatories to the Sustainability Protocol and active members of the Sustainability Committee.
United Nations Global Compact and Sustainable Development Goals. We have been signatories since 2016.
2019
Financial Initiative of the United Nations Environment Program (UNEP FI), we have been signatories since 2019.
2024
We implemented the UNEP-FI methodology to measure the (+ and -) impacts of our operations on the SDGs, and this is our initial matrix.
SOCIAL MANAGEMENT
GRI 413-1 y 3-3
Promoting social development in our community allows us to face collective challenges and strengthen a sustainable environment. This, in turn, facilitates business operations and fosters inclusive and lasting relationships with communities and various stakeholders in our areas of influence.
Through strategic alliances, we allocate resources to social initiatives that reflect our corporate philosophy and values. We evaluate the impact of these actions through constant monitoring and close collaboration with the organizations we support.
Material issue: Being a responsible corporate citizen
Community
| 2024 | 2023 | 2022 | |
|---|---|---|---|
| Total social investment | $3,121,597 | $3,015,820 | $3,972,679 |
| Total number of beneficiaries | 8,976 people | 8,750 people | 8,314 people |
| Total number of organizations supported | 4 | 5 | 11 |
SUPPLY
GRI 204-1, 3-3, 2-6
We maintain productive and mutually beneficial long-term relationships with each of our suppliers, generating value both for our business and for those involved in our operations. In the last year, our supplier network grew by 4%, reaching 5,165 suppliers in 2024, of which 1% are foreign and 99% are domestic. The composition and distribution of our supply chain did not change significantly during that year.
In 2024, spending on suppliers increased by 3% compared to the previous year, or $2.122 billion. Ninety-nine percent of this spending went to local suppliers, and the remaining 1% went to foreign suppliers. These resources represent jobs and well- being for more companies and people in our country.
- INFRASTRUCTURE AND MAINTENANCE
- SUPPLIES
- EQUIPMENT
- CONSULTING
- SECURITY
- PUBLICITY
SUPPLIERS
OPERATION
Corporate and branches
FINANCIAL PRODUCTS AND SERVICES
Transportation logistics
Clientes
CIDirecto
CIMóvil
CINet
ATM
Correspondents
Branches
Environmental Strategy
34%
of our energy consumption came from renewable sources, thanks to which we avoided emitting 1,024 tCO2e
4%
of the paper used was recycled
Implement an environmental management system in accordance with ISO 14001 standard in the corporate building
Environmental Management
We are a bank committed to sustainability, from our products to our operations we promote principles and actions to preserve and care for the environment. For this reason, we use renewable energy sources and recycled materials in our operations witch reduce our emissions and those of our costumers and cand employees. Since 2011, we have prepared and published our annual carbon footprint report to assess the impact of our operations and design strategies to mitigate any negative effects arising from our credit operations.
We have begun the LEED recertification process for our corporate building, seeking to incorporate operational and maintenance processes that promote a healthy work environment and responsible environmental performance. The recertification seeks to manage, measure, and monitor the following aspects:
Energy Ecoefficiency
Goal 7.2. By 2030, substantially increase the share of renewable energy in the global energy mix.
As a service company, electricity is our main input, and ensuring its efficient and responsible use is essential to our sustainability. Total energy consumption in 2024 was 35 million megajoules (MJ), distributed as follows:
| Source | 2024 | 2023 | 2022 | Proportion in 2024 |
|---|---|---|---|---|
| MJ | MJ | MJ | ||
| CFE | 15,873,800 | 13,507,636 | 8,943,293 | 45% |
| Renewable | 7,595,284 | 9,422,485 | 8,960,965 | 22% |
| Self-produced Solar | 712,436 | 737,525 | 589,002 | 2% |
| Diesel | 43,338 | 42,948 | 75,967 | 0% |
| LP Gas | 6,635 | 26,323 | 29,151 | 0% |
| Gasoline for vehicle fleet | 1,501,817 | 1,923,813 | 1,487,849 | 4% |
| Gasoline in paid travel allowances | 9,355,883 | 9,124,345 | 7,048,650 | 27% |
| Total | 35,089,193 | 34,785,075 | 27,134,878 | 100% |
Climate Change
GOAL 13.2 Incorporate climate change measures.
Greenhouse gas (GHG) emissions equivalent to tons of carbon dioxide (tCO2e) in 2024 reached 3,153 tCO2e. The scopes covered are as follows: scope 1 (14%) refers to fixed sources, mobile sources (fuels for support plants and utility vehicles) and fugitive sources (refrigerant gases for air conditioning); scope 2 (62%) refers to emissions from electricity consumption; scope 3 (24%) includes commercial flights and gasoline travel allowances used for bank operations.
Trends 2021—2024
2,887
794
1,643
450
237
3,153
747
1,958
448
235
4,000
3,000
2,000
1,000
Installations
Scope 3
Scope 2
Scope 1
GOAL 12.5 By 2030, substantially reduce waste generation through prevention, reduction, recycling and reuse activities.
With the aim of ensuring that the use and final disposal of this material is environmentally friendly, we have double-sided printing policies in place to optimize consumption, and we have mailboxes for the disposal and collection of used paper in three regional centers located in the cities of Monterrey, Guadalajara, and Mexico City. During 2024, 2.2 tons of paper were collected for recycling, representing an increase compared to 2023.
| Paper (t) | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Paper consumed | 57.7 | 54.4 | 45.8 | 30 |
| Paper for recycling | 2.2 | 1.9 | 3.6 | 30 |
| Paper recovery rate | 3.90% | 2.50% | 7.80% | 571 |
In 2024, paper recovery increased by 11% compared to the previous year.
Social Strategy
24
hours on average of annual training per employee.
[+62% vs. 2023]
$3.1
million in social investment and 8,976 people benefited
[+3% vs. 2023]
A gender equity and ethics committee was established, and 2,908 employees were certified on the subject.
$2,122
million in payments to suppliers, 99% of which were disbursed in Mexico
[+2% vs. 2023]