Environmental, Social, and Governance

SBC’s Environmental, Social and Governance Commitments:

• Financial inclusion to under-banked with built- in lending mechanisms to ensure customer affordability.
• Credit life insurance embedded in loan products to customers.
• Group ESG policy based on international best practise adopted in July 2025.
• BB- Social Rating for Lesotho operations in 2020.
• Malkerns Square meets IFC Edge Level 1 standard, with at least 20% savings in energy, water, and materials compared to a local baseline.
• Long-term affiliations with leading development finance institutions (DFIs) and impact investors.
• Significant contribution to African capital market development.
• SBC’s operations are aligned to 8 of the 17 United Nations Sustainable Development Goals (UN SDGs).