Better Health for All
-10
CIMB Group's core financial services are considered health-neutral, thus its principal goods or services have no significant direct positive or negative health impact. The company does not generate revenue from products with direct negative health outcomes, nor does it offer health-related products requiring price accessibility, direct safety records, or addiction mitigation. Similarly, its operations do not directly involve health innovation, data management, clinical trials, pharmaceutical patents, or nutrition and food safety. However, CIMB Foundation supports various health-related programs. In 2024, CIMB invested RM8.4 million in Health and Community Wellbeing initiatives, and RM13.8 million in Education, which includes financial literacy programs.
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Total community contributions were RM28.3 million in 2024, benefiting 99,977 individuals.
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Specific initiatives include the 'Mobile Health Screening & Am I Healthy Community Program' providing health screenings and kidney disease prevention in suburban and rural areas, the '20/20 Perfect Vision Programme' offering free eye screenings to approximately 20,000 underprivileged students, and the 'Sarawak Health Access Programme' facilitating medical treatment for about 170 individuals.
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The 'Water Gravity Programme' supplies clean piped water to 98 homes in three rural villages, impacting approximately 500 villagers and 120 students.
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A foodbank project provided essential supplies to 500 Orang Asli families.
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The company also provided 760,000 microinsurance policies via TNG eWallet between 2021 and 2024.
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These programs demonstrate substantial efforts in health equity, preventative health, and healthcare education, reaching specific vulnerable populations.
Fair Money & Economic Opportunity
-50
CIMB Group's financing to low-income individuals across ASEAN totaled RM8.7 billion and to micro and small enterprises was RM6.2 billion in 2023.
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This combined RM14.9 billion represents approximately 3.38% of the Group's gross loans, advances, and financing of RM440.92 billion.
2
The company incurred an additional fee to the Stock Exchange of Thailand for not meeting free-float criteria and had a Shariah Non-Compliant event for overcharged late payment charges in property auction sales, which is awaiting a refund process.
3
In 2023, CIMB invested RM32.9 million in communities, which is 0.34% of its RM9.54 billion profit before taxation and zakat.
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Fair Pay & Worker Respect
30
CIMB Group Holdings Berhad reported that all permanent employees in Malaysia, representing approximately 45.1% of its total global workforce, earned above the national living wage threshold of RM3,100 per month as of July 3, 2025.
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The company's Group-wide collective bargaining coverage was 37% in 2023.
2
The Lost Time Injury Frequency Rate (LTIFR) for Malaysia was 1.03 in 2024,
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while CIMB Thai reported zero recordable work-related injuries in 2023.
4
The overall male-to-female remuneration ratio for the Group was 1.00:1.01 from 2022-2024.
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The Organisational Health Index (OHI) score, an indicator of employee engagement, was 84% in 2025.
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The voluntary employee turnover rate was 9.3% in 2024.
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The company reported one substantiated human rights complaint in 2024
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and one incident of corruption in 2023 (Malaysia only), with the involved employees terminated.
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Temporary staff constituted 4.5% of the workforce in 2024.
10
Fair Trade & Ethical Sourcing
-10
CIMB Group Holdings Berhad, as a financial institution, does not procure or trade physical commodities, therefore the 'fair_trade_cert_share' KPI is not applicable. For 'ethical_clause_coverage', 78% of CIMB's vendors committed to an enhanced Vendor Code of Conduct, with 75% of suppliers in Malaysia acknowledging it.
1
This maps to the -20 tier. For 'materials_risk_index', CIMB's lending portfolio to the palm oil sector accounts for 2.6% of its total lending as of December 2024.
2
This is a high-risk sector, but the KPI asks for 'share of spend on high-risk materials', and as a financial institution, CIMB does not have direct spend on these materials. Therefore, this KPI is not applicable. For 'supplier_diversity_spend', 85% of CIMB's procurement spend is with local suppliers.
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This maps to the -40 tier.
Honest & Fair Business
0
CIMB Group Holdings Bhd was fined RM760,000 (approximately $172,000 USD) by Bank Negara Malaysia on July 29, 2024, for service disruptions on April 8 and 9, 2024.
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This penalty was for non-compliance with the Risk Management in Technology Policy Document, which mandates high availability for critical systems.
2
The company has an S&P Global ESG Score of 82, last updated October 24, 2025, and received an upgrade to the highest MSCI ESG Rating of AAA, reflecting improved disclosures.
3
CIMB has a comprehensive whistleblowing policy that applies to all employees, customers, and stakeholders, covering various improper conduct and offering protection against harassment and retaliation.
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However, it notes that a whistleblower's identity may be revealed on a need-to-know basis with consent.
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The company also has an Anti-Bribery and Corruption Policy Statement, effective July 1, 2024, outlining a zero-tolerance approach, prohibiting facilitation payments, and requiring annual ABC declarations from all employees.
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Kind to Animals
-10
CIMB Islamic pledged RM1.5 million through a three-year partnership with World Wide Fund for Nature Malaysia for conservation projects and committed RM20 million for environmental conservation and restoration efforts from 2026 to 2030.
1
Over the last five years, RM12 million was directed into EcoSave-i initiatives, resulting in the planting of over 10,000 trees.
2
CIMB Group has a 'No Deforestation, No Peat, No Exploitation (NDPE)' commitment for clients in the Palm Oil and Forestry sectors.
3
However, CIMB has not strengthened safeguards around livestock operations, and a benchmark study found that none of the evaluated banks, including CIMB, have established measurable standards or exclusions for caged or low-welfare systems.
4
CIMB does not reference animal welfare principles in its lending policies.
5
CIMB contributes to national biodiversity policy development through its participation in the National Business Advisory Group on the implementation of Malaysia’s National Biodiversity Strategy and Action Plan (NBSAP).
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No War, No Weapons
-40
CIMB Group Holdings Berhad's Human Rights Policy, approved by the Board, commits to the UN Guiding Principles on Business and Human Rights and International Labour Organisation conventions.
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The company conducts human rights due diligence with half-yearly reviews of sustainability due diligence, and formally reports on human rights performance.
2
In 2024, 95% of clients completed agreed human rights action plans.
3
However, only 75% of suppliers in Malaysia acknowledged the Vendor Code of Conduct, which includes human rights commitments.
4
The company states it will seek to distance itself from business relations with repeated human rights infringements, but does not provide a specific compliance rate for ethical red lines, only that violations automatically terminate relationships.
5
Planet-Friendly Business
0
No evidence available to assess CIMB Group Holdings Berhad on Planet-Friendly Business.
Respect for Cultures & Communities
-40
CIMB's Artober Fashion Week faced public scrutiny and accusations of cultural appropriation due to the 'Mah Meri by Anuar Faizal' show, which allegedly mocked the Mah Meri indigenous community in Malaysia.
1
The Mah Meri Orang Asli community lodged a police report against Faizal.
2
CIMB engaged 13 Bumiputra suppliers in 2017.
3
The company extended its human rights grievance mechanism to communities impacted by clients and suppliers, but the effectiveness of its response to cultural incidents is not quantified.
4
CIMB Thai's Human Rights Policy requires clients in high-risk sectors like Palm Oil and Forestry to obtain Free, Prior, and Informed Consent (FPIC) from affected communities prior to major land use conversion projects, but the company's direct participation rate in FPIC processes is not specified.
5
CIMB Islamic committed RM20 million from 2026 to 2030 to environmental conservation and restoration initiatives, which include empowering Orang Asli youth as forest stewards and indigenous communities with sustainable livelihood opportunities.
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CIMB Islamic contributed RM443,900 to the Fraser’s Hill Conservation Programme in 2022, and RM2 million in donations in 2023, but the percentage of revenue donated to cultural heritage organizations is not provided.
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Safe & Smart Tech
0
No evidence available to assess CIMB Group Holdings Berhad on Safe & Smart Tech.
Zero Waste & Sustainable Products
-40
CIMB Group Holdings Berhad achieved a waste diversion rate of 6.26% in 2024, with 87,086 kg recycled and 53,047 kg composted out of 2,237,185 kg total waste generated.
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The company has implemented numerous waste reduction initiatives, including the ABCDE Challenge, Experiential Learning Workshops, Zero Waste to Landfill initiatives at bank events, a 'Bring Your Container' activity for employees, and 'Greening the Branches' projects.
2
CIMB Thai reported no hazardous waste generated or disposed of in 2023.
3
The company had no waste disposal violations in the past three years. Company-wide waste reduction targets with timelines are in place, and an Environmental Management Policy sets reduction targets for waste.
4
Waste requirements are in place for all tier-1 suppliers through a Vendor Code of Conduct.
5
Basic disposal information is provided on most products and packaging, and the company offers financial literacy information through its 'Financial Guru' section.
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