- Low economic growth
- Ongoing load-shedding
- Challenges in the premium collections environment
- Higher than expected policyholder withdrawals
- Instability in the collections environment
- Negative impacts from a third-party service provider
- Increased attrition rate on co-branded single premium business (reduced from 20% to 3%)
- Challenging economic environment impacting employee well-being and policyholder payments
Clientèle Limited
Greenhouse gas emissions & sustainability report data
In its 2023 reporting, Clientèle Limited disclosed greenhouse gas emissions of 3.2K metric tonnes of CO2e (Scope 1 and 2). By scope: Scope 1: 690 metric tonnes of CO2e; Scope 2: 2.5K metric tonnes of CO2e; Scope 3: 1.2K metric tonnes of CO2e. Figures are as stated in the company's own report and may use different boundaries, units or methods (for example market-based vs location-based Scope 2), so compare with care.
GHG Emissions
3.2K metric tonnes of CO2e (Scope 1 and 2)
2023
Renewable Energy
30%
of total energy
Water Usage
780.0K liters
2023
📊 Emissions by Scope (2023)
| Scope | What it covers | Reported value |
|---|---|---|
| Scope 1 | Direct emissions from sources the company owns or controls (fuel combustion, company vehicles, process and fugitive emissions). | 690 metric tonnes of CO2e |
| Scope 2 | Indirect emissions from purchased electricity, steam, heat and cooling. | 2.5K metric tonnes of CO2e |
| Scope 3 | Other indirect emissions across the value chain (purchased goods, business travel, use of sold products, etc.). | 1.2K metric tonnes of CO2e |
New to scopes? Read Scope 1, 2 and 3 emissions explained and market-based vs location-based Scope 2.
📈 Emissions by Report Period
| Report period | Headline emissions figure reported |
|---|---|
| 2023 | 3.2K metric tonnes of CO2e (Scope 1 and 2) |
| 2022 | 3.1K tCO2e/year (Scope 1 & 2) |
Each row is the headline figure extracted from a different report; scope coverage and methodology can change between years.
✅ Reported Environmental Achievements
- Installation of solar panels at Clientèle Office Park, generating 806,287 kilowatt hours of renewable energy (equivalent to 839 metric tonnes of CO2 emissions reduction)
- Water harvesting amounting to approximately 780,000 liters
🎯 Climate & Sustainability Targets
🔜 Short-term
- Resolve challenges in the premium collections environment
- Improve stability in the collections environment
- Continue to focus on increasing production of quality business
📅 Medium-term
- Implement IFRS 17
- Further embed risk management throughout the Group
- Enhance internal controls for business areas
🔭 Long-term
- Achieve sustainable growth and value creation in the target market
- Continue to improve ESG practices and reporting
🌱 ESG Focus Areas
TransformationEmployee Well-beingClient Well-beingEnvironmental SustainabilityCorporate Social Investment