Inclusive Business November 2015

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CEMEX announced on 21st August that it has been included in Fortune’s Change the World list, a ranking that recognizes 50 companies worldwide that have made a sizable impact on major global social or environmental problems as part of their competitive strategy. In the 16th place, CEMEX is the only Latin-American based company included and the only company from the construction materials sector. CEMEX has been selected among over 200 nominees, thanks to its “Patrimonio Hoy” program.

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CEMEX Business Strategy ECONOMIC Relentless Population Growth And Urbanization

ENVIRONMENTAL Climate Change, Resource Scarcity And Biodiversity Loss

Provide Resilient Infrastructure and EnergyEfficient Building Solutions

e

g

Enable a Low-Carbon and ResourceEfficient Industry

e

Embed Our Values into Every Action

SOCIAL Poverty, Income Inequality, Aging Population And Unemployment

SOCIAL Poverty, Income Inequality, Aging Population and Unemployment  Actively participating in the development of sustainable communities  Creating social and inclusive business opportunities

Implement a High- Impact Social Strategy to Empower Communities

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 Promoting empowerment, diversity and community capacitybuilding

GOVERNANCE Increasing Expectations For Private Sector To Act Responsibly And Be Proactive

Source: CEMEX Annual Report 2014 & Sustainability Report 2014

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Patrimonio Hoy’s Essence This award-winning inclusive business was established in 1998 Provides an integral solution to the construction needs of low-income families Combines the global presence of CEMEX’s distribution network with the power of the microcredit

Provides families with financial and technical assistance for the progressive construction of their homes Empowers families to improve their homes or build them faster, more efficiently and with better materials

Offering a market-based solution to the housing needs of lowincome families in urban marginalized areas in order to improve their quality of life and to empower them (“win-win situation”). 4

Main Stages of Operation Etapas de Operación

Promotes and informs

Delivers quality materials

Advices and Finances

In addition to the comprehensive solution for low-income families, it generates local businesses with the promotion and supply of materials 5

Some considerations

The family must have a place to build

Participating family must help

CEMEX provides technical knowledge and advice

The family can self-construct or receive a “key in hand” solution

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Value for the family

 Build 3 times faster and with savings of 30%  Have access to micro-credits without requirements, building credit history  Improve the value of their estate

 Contribute to the family’s economy  Human dignity by achieving their goals  Possibility to access Government subsidies that will accelerate the pace of construction

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Value for the government  Have an effective, serious and transparent ally to disperse and distribute

subsidies for the improvement and / or expansion of housing  Decrease quantitative and / or qualitative housing deficit  Contribute to advancing the Millennium Development Goals (MDGs)

MDG1: Eradicate extreme poverty and hunger MDG3: Promote gender equality and empower women

 Promote the legal possession and regularization of the land

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Value for CEMEX Patrimonio Hoy is a model of self-sustainable business that

creates:  Positive reputation  Brand loyalty and high positive perception of the company  Brand preference from different segments

 Knowledge and experience that can be shared with stakeholders to replicate the effect of the initiatives  Opportunities to strengthen the partnerships it has developed with government institutions

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Additional value International awards + UN-Habitat Business Award for the best practice in Affordable Housing Solutions 2009

+ World Business Award in support of the Millennium Development Goals (MDGs) 2006

Being business case of prestigious universities  Harvard University  Northwestern University  University of Michigan  Stanford University  Cornell University  University of North Carolina

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Achievements A profitable inclusive business

+470,000

+100

benefited families,

+2 million benefited people

+3.7 million square meters built

+290 million USD granted in credits

Offices in 5 Latin-American countries

99% repayment rate 11

Key lessons To help the low-income self-builders segment:

 It is crucial to develop a deep understanding of the needs and perceptions of the segment

 It requires a culture of business administration, flexible and open to change  Understand that buying a new home is virtually inaccessible to the segment  Consider that the issue of housing is a family theme, where the income of everyone in the household should be involved in solving needs

 Building materials stores and financial solutions alone have existed for some time, but they have not solved all the problems related to having better housing

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Thank you for you attention! For more information: Chito Maniago: [email protected] Erlinda Lizardo: [email protected] Arturo Rodriguez: [email protected]

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5A- CEMEX Patrimonio Hoy - Rodriguez.pdf

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