The Soil Where Food Begins:

A Call for Sustainable Management and Home Solutions

Sustainability Message by
Mr.Shahir Nashed

Deputy CEO and Group CFO

Sustainability Statement

As we continue to navigate an ever-changing business landscape, it is become clear that sustainability is no longer a choice, but a responsibility. I want to share how integral sustainability is becoming to our long-term strategy. Sustainability is more than just reducing our environmental footprint, it’s about driving financial success in a way that benefits our stakeholders, society and community.

We have the opportunity to lead by example, implementing sustainable practices across our operations and decision-making processes. By doing so, we not only reduce risk but we creatively unlock new avenues for growth and innovation. This will help us differentiate ourselves from the rest.

Each one of us plays a vital role in this journey. Whether it’s through small, everyday actions or by embracing new, sustainable initiatives within our different departments, we can all contribute to a more sustainable future for our Group and the communities we live in.

Together, we will continue to build a resilient, responsible, and successful legacy.

The Critical Role of Soil

Soil is the foundation of life on Earth, providing 95% of the food we consume. Beyond food production, soil offers essential ecosystem services that sustain life, such as regulating water, supporting biodiversity, and balancing nutrients. However, soil is now one of the most endangered resources globally. Its degradation leads to severe consequences, including poverty and increased migration from rural to urban areas. When people can no longer cultivate their lands for food or income, the challenges of food security, climate adaptation, and sustainable development become even greater.

Soil and Climate Change

Soil is closely tied to climate change, which is largely driven by human activities. It is the largest terrestrial carbon reservoir, storing immense amounts of organic carbon and playing a critical role in the global carbon cycle. The top meter of soil alone holds around 1,460 billion tons of organic carbon, which is nearly twice the carbon in the atmosphere (840 billion tons) and more than double what is stored in vegetation (650 billion tons). Additionally, soil regulates biogeochemical processes and exchanges greenhouse gases (GHGs) with the atmosphere.

Sustainable

VS.

Unsustainable Soil Management

The way we manage soil determines its role in combating climate change. With sustainable soil management, organic carbon remains stored in the soil, boosting its resilience and ability to adapt to climate change. In contrast, unsustainable practices can exacerbate the problem, as soil releases not only carbon dioxide (CO₂) but also more potent greenhouse gases like nitrous oxide and methane.

Practical Solutions:

Making Natural

While soil faces global threats, individuals can contribute to its health through organic composting at home. Balconies and home gardens can become productive spaces, not just for ornamental plants but also for growing fresh fruits and vegetables. Using natural fertilizers ensures chemical-free crops while reducing waste. Here are three easy ways to create natural fertilizers from household items:

Fertilizer at Home

Stale Bread Fertilizer

Instead of throwing away moldy bread, soak it in water for a week until it ferments. This simple method provides excellent plant nutrition

Soured Milk Fertilizer

When milk spoils and turns into sour yogurt, don’t discard it. Pour it onto your soil to enrich it with calcium, a vital nutrient for plant health.

Chicken Waste Fertilizer

Rather than tossing out chicken innards during meal prep, bury them in the soil. They provide essential minerals and proteins that promote plant growth. Protecting soil is vital for food security, climate stability, and sustainable development. While global efforts are needed to promote sustainable soil management, individuals can play a role by creating natural fertilizers at home. By reducing waste and nourishing the soil, we not only grow healthier crops but also contribute to the protection of this essential resource for future generations. 

Beltone's Sustainability

Team Attended COP’16

in Riyadh

We are proud to announce that Beltone’s Sustainability Department joined in the 16th United Nations Climate Change Conference of the Parties (COP16), taking place in this December in Riyadh, Saudi Arabia.
This global platform brings together leaders, innovators, and experts to address critical issues surrounding climate change. Our participation underscores Beltone’s commitment to sustainability and ESG stewardship, aligning with our efforts to foster a greener future.
We are deeply honored to have been part of such a transformative event and look forward to translating the insights and partnerships gained at COP16 into actionable strategies within our organization. As we continue to advocate for a greener, more equitable world, Beltone remains steadfast in its mission to align financial prosperity with environmental and social responsibility.

Beltone Participates in

UN Women’s (WEPs)

latest events

Beltone Sustainability department proudly participated in the two-day workshop organized by the UN Women Egypt Country Office, titled “Designing a Gender-Sensitive Mentorship Programme for the Workplace.” The workshop targeted Women’s Empowerment Principles (WEPs) signatory companies, aiming to equip participants with the tools to develop tailored mentorship programs that foster an inclusive workplace and support equitable career progression for women employees.
Representatives from key departments such as Sustainability and HR departments joined the training to gain insights and practical strategies to roll out mentorship programs internally. By participating in this initiative, Beltone reinforces its commitment to gender equality and creating a supportive environment where all employees can thrive.

Additionally, Beltone joined another event by WEPs for the role of the Private Sector in Promoting Employee Health, Wellbeing and Safety. Through workshops and discussions, the event provides practical guidance on establishing grievance mechanisms, preventing harassment, and implementing best practices for employee welfare. It also inspires private sector companies to adopt innovative solutions and tangible actions, while encouraging collaboration and knowledge-sharing to create a supportive work environment, particularly for women. It positions Beltone as a proactive organization advocating for workplace equity and collaboration, which reinforces its reputation as a socially responsible and forward-thinking company.

Eco- Champions Program

Sustainability Awareness for

Schools

Sustainability department kicked off its third round of an educational initiative on 3rd and 4TH of December ,we had the wonderful opportunity to implement the Eco-Champion program, sponsored by Beltone in collaboration with Global Shapers, Bekya Pay and Ezra3li, at two different schools in Alexandria.

On the first day, we visited Harvard International School, where we engaged with 90 enthusiastic students from 1st to 3rd grade. The following day, we went to Notre Dame de Sion School, where we connected with 150 students from 5th to 7th grades.

As Global Shapers, they conducted interactive sessions focusing on the Sustainable Development Goals (SDGs) and eco-friendly practices. The students participated in hands-on activities, transforming waste into beautiful crafts, showcasing their creativity and resourcefulness. They also encouraged them to envision what a sustainable city could look like, and were genuinely impressed by their innovative ideas.

These experiences reinforced our belief in the power of education to inspire the next generation about sustainability and how to save our planet and our future. 

Bekya Pay kicked off with an engaging presentation on climate change and its impact on health. Their interactive waste sorting workshops had everyone racing to make a difference. They provided schools with recycling bins, waste separation stickers, and reusable bags to promote sustainability. Together, we’re inspiring our community to protect the planet and embrace eco-friendly practices. 

Dive into the world of agriculture with Ezr3ly. They hosted a storytelling session filled with fascinating plant tales and explored soil-less growing methods. Participants enjoyed a fun riddle competition to identify various plants, sparking curiosity and excitement! They also showcased vertical farming systems, demonstrating innovative ways to grow food sustainably. 

Beltone’s Sustainability Team Attends

Sustainability Week in Abu Dhabi 

The Sustainability Department at Beltone recently had the honor of attending Sustainability Week in Abu Dhabi, a globally renowned event bringing together experts, innovators, and leaders dedicated to creating a sustainable future. 

The week was packed with insightful sessions, innovative showcases, and networking opportunities that shed light on the latest advancements in renewable energy, carbon reduction strategies, and sustainable business practices. 

Key highlights for our team included:

Engaging Panel Discussions:

Topics ranged from decarbonization pathways to the critical role of the private sector in achieving global climate goals. 

Technology & Innovation Showcases:

Breakthroughs in clean energy and waste management inspired our commitment to further integrating these solutions into Beltone’s operations.

Networking Opportunities:

Meeting global changemakers sparked exciting ideas for future partnerships and initiatives within our local communities.

The event served as a powerful reminder of the collective responsibility we share in driving sustainability forward. We left feeling inspired to translate the insights gained into actionable strategies, reaffirming Beltone’s commitment to a greener, more sustainable future.

Ali Mohamed's Outstanding Sports
Achievements in 2024

Ali Mohamed—a talented member of our team who is redefining the possibilities for an inclusive, sustainable future. Ali, a brilliant and determined individual with an autism spectrum disorder. 

Ali was born prematurely with health challenges, later diagnosed with autism spectrum disorder. Through dedicated therapy, education, and family support, he overcame learning difficulties, excelled academically, and became the first student with disabilities to graduate top of his class in Marketing from the Arab Academy for Science, Technology, and Maritime Transport. A national sports champion with over 40 medals, Ali also represented Egypt in the Special Olympics and delivered speeches at major events. He now works at Beltone, inspiring others with his remarkable journey of perseverance and success in academics, sports, and social engagement.

Ali Mohamed showcased exceptional talent in various sports competitions throughout the years. In 2024, he earned multiple first-place titles in swimming, squash, athletics, and weightlifting, along with top positions in badminton, table tennis, and rowing. Notably, he secured podium finishes at the Egyptian Sports Federation for Intellectual Disabilities Championships and the Fifth Sector Championship at the American University.

These achievements reflect Ali’s dedication and remarkable versatility across a wide range of sports.

Sustainability Interview Corner

1. What do you know about the sustainable finance / sustainable investment?

2. What is the importance of the sustainable finance to the financial institutions?

3. What is the importance of the sustainable finance (lending/ investment to Beltone)?