Commercial Bank of Kuwait Issues 2025 Sustainability Report

Reinforcing Its Position as an Active Partner in the Sustainable Development Journey
Commercial Bank of Kuwait has announced the release of its 2025 Annual Sustainability Report, marking a new milestone in its ongoing commitment to integrating the three pillars of sustainability—Environmental, Social, and Governance (ESG)—into its core operational and strategic business. The Report reflects the tangible progress the Bank has achieved under the key drivers of its "Shaping the Future 2022–2026" Strategy, of which the most important is sustainable finance being a key leverage for advancing towards a more balanced and sustainable economy.

The Report underscores the Bank’s steadfast dedication to translating the Kuwait Vision 2035 and the directives of the Central Bank of Kuwait into tangible outcomes, by enhancing sustainable finance and contributing to the pillars of the State’s Development Plan, which are aligned with the United Nations Sustainable Development Goals (SDGs). This cements the Bank’s position as one of the active financial institutions within Kuwait’s sustainable finance ecosystem.

In this context, Ms. Ebtissam Al-Haddad, General Manager of Strategic Planning and Follow up Division, said: " At Commercial Bank of Kuwait, we are pleased to issue our 2025 Sustainability Report, which presents a comprehensive and integrated overview of the Bank's multifaceted approach to sustainable development. It highlights our key activities in environmental sustainability, social responsibility, and governance, supported by statistics and figures that clearly demonstrate our progress in these areas."

Significant Expansion in Sustainable Finance and Green Bonds

Al-Haddad added that the Bank has continued to reinforce its role in sustainable finance throughout 2025 by expanding its portfolio of financing products and solutions directed towards projects that have positive environmental and social impact. The share of green bonds has witnessed a notable increase of 64.9% since 2024—a clear indicator of growing demand for sustainable finance instruments and the market confidence in these products. In parallel, the Bank extended loans and financing facilities to a number of companies operating in environmentally friendly sectors, covering strategic projects in clean energy, water treatment, recycling, and infrastructure enhancement, thereby serving national development goals and aligning with global environmental commitments.

She further explained that the Bank's commitment to leveraging ESG-linked finance is a key pillar in supporting sustainable economic development, noting that these credit facilities constituted 7.6% of the Bank's total corporate financing in 2025, focusing on sectors and projects with positive environmental and developmental impact.
Sectoral Diversification Reflecting an Integrated Strategy

Al-Haddad noted that the Bank's sustainable finance portfolio breakdown reveals a balanced sectoral distribution that reflects a comprehensive strategic vision. Water treatment projects accounted for the largest share at 24.4% of total ESG-linked financing, followed by clean energy and refinery projects at 11.4%. In parallel, the Bank continued to support financing facilities associated with economic diversification efforts, with developmental projects capturing the largest portion of total financing at 43.7%. This underscores the Bank’s role as a financial partner supporting strategic projects that contribute to fostering sustainable economic growth in the State of Kuwait.

Environmental Responsibility Delivering Tangible Outcomes

On the environmental responsibility front, Al-Haddad highlighted that the Bank continued implementing a range of initiatives aimed at minimizing its operational environmental footprint and enhancing resources efficiency. To this end, the Bank has equipped 25 branches with solar panels, cutting down 82.6 metric tonnes of CO2 equivalent (tCO2e) in emissions. The Bank also achieved a 16.4% reduction in total greenhouse gas (GHG) emissions. Additionally, it increased the adoption of more sustainable transport options, with eco-friendly vehicles now comprising 33.3% of the Bank’s total fleet—a step that reflects its commitment to responsible environmental practices and supporting the gradual transition towards more sustainable solutions.

Investing in Human Capital and Community Support

For the social responsibility and public participations, the Bank strengthened its presence in community service by adopting meaningful initiatives focused on community empowerment and supporting social causes. The Bank allocated 80.1% of its total sustainability expenditure to community empowerment projects and social initiatives, reflecting its commitment to enhancing positive impact and actively contributing to sustainable development. The Bank also continued its "Ya Zeen Turathna" campaign, aimed at preserving Kuwait's cultural heritage and reinforcing national identity, alongside ongoing efforts for youth empowerment and talent development through programs and initiatives focused on capacity building and nurturing young national potentials.

Digital Transformation: A Pillar of Operational Sustainability

Concluding, Al-Haddad indicated that for keeping pace with technological advancements, Commercial Bank of Kuwait has continued to enhance its digital experience and develop banking services to meet customer needs with more convenient and efficient solutions. Customers’ percentage using digital services reached 79.6% of the Bank’s total customer base. The Bank also expanded its network of smart self-service centers to 21 by the end of 2025—a move that facilitates innovative and rapid banking services, promotes financial inclusion, reduces reliance on traditional processes, and strengthens the concept of operational sustainability through the deployment of cutting-edge technologies.

For the full 2025 Sustainability Report, please visit the Bank’s official website or scan the attached QR code.