Grupo Traxion: Best Integrated Logistics Solutions Mexico 2020

As would be expected of a logistics leader, Grupo Traxion has a sharp eye for detail. Over the past eight years, the Mexican company has developed a broad portfolio of services to ensure the unimpeded, hassle-free flow of people and product – throughout the country and beyond its borders. The family-owned business has executed a growth strategy rooted in strong management and long-term vision. Its wheelhouse of services and expertise includes cargo, logistics, personnel transport, and international ferries for cross-border travel. Traxion group has acquired some of the best Mexican logistics companies and integrated them into its full-service operation. The acquisition strategy was a regional industry first, as was Traxion’s inclusion on the Mexican Stock Exchange as a land transport company. Its IPO cemented the group’s status as a consolidated link between the worlds of finance and national logistics. Traxion also serves as an investment platform and contributes to the economic development of the logistics industry through venture capital deals. Since its launch, the group has seen a rapid growth trajectory at a compounded increase of 30 percent. It started operations with a fleet of 200 trucks — and now has more than 8,000. Traxion has has consistently achieved 20% margins through shrewd management of a strong and diversified balance sheet. The CFI.co judging panel sees in Grupo Traxion a first-choice tactical partner — and presents it with the 2020 award for Best Integrated Logistics Solutions (Mexico).


Banco de Desenvolvimento de Minas Gerais: Best Socio-Economic Impact Bank Brazil 2020

Minas Gerais, one of the largest states of Brazil, also boasts the country’s third-highest GDP. Banco de Desenvolvimento de Minas Gerais (BDMG) is the trade development bank that facilitates the region’s economic, social and environmental progress. Over the past 58 years, BDMG has established a tradition of economic stimulation and socio-environmental responsibility, supporting SMEs with preferential credit offers and promoting cultural and citizenship initiatives across the state. It identifies projects that have the power to improve quality of life for the people of Minas Gerais, and transforms those initiatives into reality. In 1988, the bank launched the non-profit entity, BDMG Cultural, to promote the region’s artistic and historical heritage. Another non-profit entity, INDEC (the BDMG Employee Citizenship Institute), supports disadvantaged communities in the areas of education, health, nutrition and the environment. In 2013, BDMG introduced its socio-environmental responsibility policy, providing a clear framework for aligning corporate conduct with the UN’s Sustainable Development Goals. BDMG supports platforms for partnerships and collaborates with development bodies around the world. It is preparing to issue green bonds in partnership with the Inter-American Development Bank, and serves as official structurer in regional public-private partnership models. A tech-driven evolution has been underway at BDMG, as evidenced by the streamlining of internal processes and the strengthening of digital channels. Tailored credit offers are available via a rapid-response digital application. Sufficient reasons for the CFI.co judging panel to present BDMG with the 2020 award for Best Socio-Economic Impact Bank (Brazil).


UBX: Best Digital Community Impact Initiative Southeast Asia 2020

A digital revolution is underway in the Filipino finance market, with fintech champion UBX leading the charge. UBX serves as the fintech arm of local giant Union Bank of the Philippines (UnionBank), operating as a separate entity to manage tech initiatives, build platforms and make investments in fintechs. The UBX moniker is a clever representation of that mission statement: UnionBank to the power of x. It creates opportunities through collaborative partnerships and the application of innovative technology. The UBX line-up features UnionBank-incubated solutions such as the i2i and platforms such as BUX, Sentro and SeekCap. BUX is an embedded eCommerce platform helping to grease e-commerce wheels. Sentro provides tools to build online stores in minutes. Blockchain-based i2i targets underbanked rural populations by connecting them to financial institutions across the country. The breakthrough solution has enabled citizens in hard-to-reach areas to access the government’s Covid-19 stimulus payments. As a fintech, UBX is not constrained by traditional banking regulations and encourages out-of-the-box thinking to incorporate financial services into B2B, logistics and financial services ecosystems. The tactic has been proven to boost financial inclusion and promote growth. UBX launched QLabs, where a talented tech team with blockchain and full-stack development capabilities helps companies on their own digital transformation journeys embed financial services into their consumers’ daily lives. UBX has just celebrated its first anniversary, and the CFI.co judging panel is pleased to add another candle to the cake. UBX wins the 2020 award for Best Digital Community Impact Initiative (Southeast Asia).


Fidelity United: Best Insurance Broker Services Platform GCC 2020

For the past two years, Fidelity United has focused on making its new brand identity a first-choice insurance solution for the Gulf Cooperation Council (GCC). Fidelity United is building on a 44-year legacy, and the new identity pays homage to a partnership between United lnsurance Company and Lebanese insurer Fidelity Assurance and Reinsurance. The bond underscores a shared ambition for regional dominance. Fidelity United is headquartered in The Opus Tower, Dubai, with offices in Abu Dhabi, Fujairah, Sharjah and Ras Al Khaimah. A sustainable operational model ensured a confident start, and Fidelity United has developed an intuitive platform to support brokers and partners. No matter how complex the risk, Fidelity United is there to provide best-spoken solutions and unified brand experience to its clients. Besides offering standard insurance packages for all corporate and individuals, its approach begins by listening to the client's needs and responding by tailored solutions. Exceptional customers service and product development has been recognized by its partners and associates which, undeniably, is affirming that Fidelity United has a leading role in the UAE market. Served by a passionate and highly skilled team, Fidelity United takes pride in reflecting its core values of transparency and responsibility towards its clients, partners and associates. Identifying new trends and technologies, and having a strong understanding of the insurance industry in the region, the company has built a specific, user friendly platform for the Brokers providing explicit human and digital capabilities, enabling them to experience a seamless and effective process from quote to bind, which proved successful during the implementation of their Business Continuity Plan on 100% smart working model. The successful foundation of the Broker management unit for Fidelity United is based on scrutinized focus and effects of digitalization, combined with the technical skills of the Market Underwriters’ relationship with Brokers and a strong and responsive operations structure to support the servicing of business. The company applies practical risk-management and ensures that its sound business ethics elevate service standards. Clients recognize the professionalism and responsiveness shown by the Fidelity United team, which aims for major regional growth over the next five years. The CFl.co judging panel congratulates Fidelity United, the 2020 winner of the award for Best lnsurance Broker Services Platform (GCC).


ThirdWay Africa: Best ESG Merchant Banking Team Africa 2020

ThirdWay Africa is the results-driven merchant bank challenging traditional investment models. It combines financial expertise with development thought-leadership to create multi-stakeholder collaboration across the private sector, civil society and government agencies. It unites groups on common ground, rooted in the mission statement of “businesses, communities and ecosystems thriving together”. ThirdWay Africa brings together groups sometimes hampered by conflicting agendas to normalise commercial capital sources, reduce risks, and enhance the appeal of investment opportunities across the African continent. From its headquarters in London and office in Maputo, ThirdWay Africa cultivates profitable potential throughout Indian Ocean Africa. Its corporate and public advisory services prioritise sustainable development goals. It offers impact consulting and helps companies to connect with development institutions. Thirdway also designs asset management strategies that seek steady returns along with measurable social and environmental impacts. ThirdWay Africa was established in 2014 by a seasoned team with a combined 75 years of financial experience and a quarter century of expertise in agribusiness, forestry and renewable energy development. Sustainability is the cornerstone of the ThirdWay mandate, based on the iron-clad conviction that noteworthy environmental, social and governance performance leads to long-term value creation for all stakeholders. ThirdWay Africa serves as a bridge between the public and private sectors by promoting a new investing paradigm which aims to ensure that risks stay down and returns go up. In recognition of its short-term commercial successes and far-reaching development contributions, the CFI.co judging panel declares ThirdWay Africa as the 2020 winner of the award for Best ESG Merchant Banking Team (Africa).


Rubrics Asset Management: Best Fixed Income Fund Manager Ireland 2020

Rubrics Asset Management believes passive investment approaches — such as the benchmark-orientated portfolios that have served investors well in bull markets — have run their course. Over the past two decades, the firm has developed a diverse line-up of actively managed, risk-adjusted portfolios to suit a range of investor profiles. Rubrics serves institutional and private investors from its Dublin headquarters and London offices, including asset managers, fund-of-funds, high-net-worth individuals, charities and endowments. Fixed income strategies are Rubrics’ speciality, and its active management approach allows the firm to respond swiftly to minimise downsides and seize fleeting opportunities. Authorised and regulated by the Central Bank of Ireland and the UK Financial Conduct Authority, Rubrics Asset Management is an open-ended variable capital umbrella investment company offering investors five EU UCITS (Undertakings for Collective Investment in Transferable Securities) with segregated liability and a base currency in US dollars. Rubrics Asset Management gives foreign investors access to Indian national debt through two fixed income funds. It structures the credit allocation of its global and emerging markets fixed income funds to maximise risk-adjusted returns. Its global credit fund features a mix of high-quality credit with low-duration terms, with a focus on capital preservation. The firm has assembled a skilled team with complementary backgrounds in fintech, business development and compliance to monitor market trends and execute portfolio strategies. The CFI.co judging panel is pleased to present Rubrics Asset Management with the 2020 award for Best Fixed Income Fund Manager (Ireland).


ATLAS Infrastructure (UK) Ltd: Best Climate Impact Responsible Investor UK 2020

Five partners banded together three years ago to form investment firm ATLAS — with a rigorous and intelligent focus on sustainability. From offices in London and Sydney, ATLAS Infrastructure builds resilience into its business model and investment portfolios by targeting long-term infrastructure projects, and by supporting climate change action around the world. ATLAS understands that ESG factors will influence cashflow over time, and factors that into its proprietary methodology. It forecasts three possible climate change policy scenarios, and the economic transitions associated with each. ATLAS considers first how an asset would fare in a “Base Case”, using a range of forecasts including those from the International Energy Agency and the Intergovernmental Panel on Climate Change. It then looks at the expected returns and risks for the asset in “Fast Transition” or “Delayed Action” scenarios. Investment fund Global Infrastructure Partners (GIP) is the majority shareholder of ATLAS, and the firm is proud to report that partners and staff claim a considerable portion of its equity. ATLAS team members hail from diverse sectors and geographies, bringing a breadth of experience that helps to avoid analytical and portfolio bias. The firm weighs every investment decision with an eye on the long-term interests of the business, its investors, and the environment at large. The CFI.co judging panel is pleased to present ATLAS Infrastructure with the 2020 award for Best Climate Impact Responsible Investor (UK).


UBS: Best Bank Sustainability Leadership Global 2020

UBS is a constant cheerleader for the UN’s Sustainable development Goals (SDGs). The bank does all possible to enable clients, collaborators, policymakers, and peers to make informed decisions on the path towards their achievement, realising that efforts towards economic recovery post-pandemic must take the goals into account. UBS offers clients a range of opportunities for impact investing, enabling them to make a difference – while still enjoying favourable returns. The bank focuses its sustainability efforts on finance, philanthropy, and community engagement, as well as establishing a business model for sustainable growth, responsible stewardship of resources, and expansive social contribution. The CFI.co judging panel confirms the exemplary UBS support extended to host communities. These include a social enterprise that allows cocoa farmers to stake their claim in the industry, an academy to prepare underprivileged students for university, and a non-profit programme that trains, equips, and pays locals to administer basic healthcare. The bank’s sustainability report for last year was published in March. Core sustainable investments rose to 13,5 percent of invested assets, hitting its target three years ahead of schedule. Carbon-related assets were reduced by more than 40 percent. A sizable chunk of client assets has been directed into impact investments according to SDGs. Greenhouse gas emissions are reducing nicely, and the firm occupies a leadership position on the Dow Jones Sustainability Indices. UBS has an important role in the sustainable future, and the panel applauds its efforts. Named last year too, UBS is the 2020 winner of the award Best Bank Sustainability Leadership (Global).


Metito, Hassan Allam JV (Al Mahsamma Agricultural Drainage Recycling and Reuse Plant): Best Recycling and Reuse Water Project Global 2020

Al Mahsamma Agricultural Drainage Recycling and Reuse Plant has come to the panel’s attention for being the largest of its kind worldwide, with a daily capacity of one million cubic metres. The plant will support the natural ecology of Al Temsah Lake which has been impacted by wastewater disposal in previous years. Al Mahsamma plant will also contribute to regional development goals, irrigating 70,000 acres of land, creating sustainable urban communities and new job opportunities.

The USD100 million has been developed under the supervision of the Armed Forces Engineering Authority by the JV Metito, Hassan Allam. Metito, a multinational global provider of intelligent water management and alternative energy solutions; Hassan Allam Construction, Egypt’s leading engineering, construction and infrastructure company. The JV scope of work for this flagship project includes the engineering, construction, operations (EC&O), commissioning and O&M for a period of five years.

The JV represents a powerful pairing, delivering a benchmark project which was inaugurated in Egypt in April 2020.

Al Mahsamma forms part of Egypt’s progressive and multi-pronged approach to ensuring the country’s water security through wastewater treatment, desalination, and the preservation of natural water resources, which resonates with a few of the UN’s Sustainable Development Goals including ‘Clean Water and Sanitation’ (SDG 6) and ‘Sustainable Cities and Communities’ (SDG 11). This was yet another testament to the importance of this project and why the CFI.co judges, are presenting the Metito ,Hassan Allam JV (Al Mahsamma Agricultural Drainage Recycling and Reuse Plant) with the 2020 award Best Recycling and Reuse Water Project (Global).


Medgate: Best Global Telemedicine Provider 2020

Healthcare evolves with every new tech breakthrough — and digitalisation has ushered in an age of patient-centred personalisation. Swiss company Medgate is an industry influencer in this space. Over the past 20 years, Medgate has been developing secure and convenient telemedicine solutions. It advocates telemedicine as the future of healthcare and strives to spark a shift in mindsets and attitudes. Medgate estimates global usage to be about five percent, but the telemedicine service is recognised by all health insurers across Switzerland. Telemedicine creates a value proposition resulting in reductions in insurance premiums and efficiencies in patient care. There are more than 100 doctors in the Medgate network available anytime and anywhere to set up a consultation. Based on their symptoms, patients are advised to schedule a phone or video consultation with a Medgate doctor — or to seek assistance from the Medgate Partner Network of primary care providers, specialists, clinics, pharmacies, chiropractors and therapists. Medgate doctors provide more than telecon triage; they can write prescriptions, issue sick notes and give referrals for specialists. Medgate owns the copyright of the robust tech framework that it has developed inhouse. The company is an engine of innovation, implementing technology to enhance customer service. Advances in AI will help patients consider health co-factors to give a more holistic view of wellness. Medgate has established a strong presence in its home market and expanded operations with five locations worldwide. The CFI.co judging panel is pleased to present Medgate with the 2020 award for Best Global Telemedicine Provider.


Capital Power: Best ESG-Responsible Energy Producer Canada 2020

Headquartered in Edmonton, Alberta, Canada, Capital Power has committed to sustainability since its inception in July 2009. It owns and operates over 6,400 MW of power generation capacity across 28 North American facilities. “We provide power that is affordable, reliable and environmentally responsible,” shared Kate Chisholm, Chief Legal and Sustainability Officer. Evolving their public disclosures from separate financials and sustainability reporting, Capital Power released their first integrated annual report this year, along with its second climate change disclosure. The company aspires to be carbon neutral by 2050. It supports low-carbon power generation through operational efficiency and the optimisation of thermal generating assets, investment in renewable generation, and support to carbon capture and conversion.  Capital Power has acquired an interest in C2CNT, which transforms carbon emissions into carbon nanotubes. This product can be used as an additive to substantially strengthen building materials while reducing emissions during manufacture. The company will build the world’s first commercial-scale production facility for carbon nanotubes. Significantly, twenty percent of executive short-term incentives is based on ESG targets. CEO and President Vaasjo declares that “a great culture is resilient to external challenges but won’t withstand internal challenges to trust and honesty. You must lead by example and always do the right thing.” In 2019 Capital Power was named one of Corporate Knights Best 50 Corporate Citizens in Canada for nine consecutive years and is recognised by Ethisphere in 2019 and 2020 as among the ‘World’s Most Ethical Companies’. Additionally, as part of the Carbon Disclosure Project’s (CDP) 2019 evaluation, the company achieved an (A-) for corporate transparency and (B-) for encouraging water security. Capital Power is the 2020 winner of the award Best ESG-Responsible Energy Producer (Canada).


Arviem: Most Innovative ESG Supply Chain Solutions Global 2020

Swiss company Arviem is so sure of its cargo monitoring and supply chain visibility services that it guarantees a minimum of 150 percent ROI. Arviem deploys multimodal monitoring to gather data and fill in the blind spots of global supply chains. It uses real-time, end-to-end, transport-related data to develop cost-saving strategies, optimise the supply chain and identify bottlenecks. Arviem claims to be the only full-service provider for real-time cargo monitoring throughout the global supply chain. It offers a carbon footprint reporting service that gives companies a competitive edge, and monitors emissions to provide an accurate report for every shipment. These reports can be used to restructure supply models for cost savings and resource efficiency — or to boost a brand’s image. By including the supply chain in ESG reporting, companies can meet increasing public demand for sustainability and stay ahead of regulatory compliance. In addition to these services and shipping container and air cargo tracking, Arviem provides analytics and working capital solutions. If a client’s request falls outside its area of expertise, Arviem refers them to one of its trusted partners. CEO Stefan Reidy has confidence in his operation, and works towards making Arviem a marketleader in supply chain visibility. It’s impossible for the CFI judges to see the future, but for its laser focus on value creation, the CFI.co judging panel declares Arviem winner of the 2020 award for Most Innovative ESG Supply Chain Solutions (Global).


Balkan Advisory Company (BAC): Best Boutique Investment Bank CEE 2020

Balkan Advisory Company (BAC) is a boutique investment bank that packs a punch. BAC’s core market extends from its home base in Bulgaria to Serbia, Slovenia, Romania and Poland. It has established a reputation for superior service over the past 20 years, offering clients personalised assistance across six lines of business: M&A, principal investment and asset management, utilities and project finance, real estate, brokerage and new debt, financial institutions and capital markets. BAC is led by a seasoned team of regional experts with international experience from some of the world’s top financial centres and universities. BAC team members have proven skills on the buy-side or sell side of private equity, strategics, investment banking and advisory, with notable experience in restructuring, cost-cutting and efficiency optimisation projects. BAC is confident of its ability to outshine the competition — and backs that confidence up with case studies demonstrating competitive pricing and liquidity. BAC is a regional pioneer, the first investment bank to lead manage EMTN (Euro Medium Term Note) of joint Romania/Bulgaria issuer as well as having led-managed many corporate bonds and equity deals in the region, including led-managed eurozloty deal. It guides investors towards responsible targets, such as long-term renewable energy projects, and educates business leaders about the importance of transparent and proactive ESG reporting. BAC maintains a strong market hold in Central Eastern Europe (CEE) — and it has expansion plans in place. Green energy is on the top of its priorities and actual work these days. The CFI.co judging panel presents Balkan Advisory Company with the 2020 award for Best Boutique Investment Bank (CEE).


Eagle Technology AS: Best Sustainable Technology Value Creation Europe 2020

Eagle Technology forms part of a group legacy stretching back 94 years. The Eagle group fosters a corporate culture that urges employees to be curious and courageous enough to challenge established patterns. It calls for innovation, customer-centricity and responsibility. Eagle Technology joined the group in 2015, establishing headquarters, sales and project management in Norway and engineering and manufacturing facilities in Bosnia, where they stepped up the business with a brand new high-end factory in 2019. Eagle Technology sources the brightest and most inspired engineers to develop next-generation solutions promoting the circular economy and client satisfaction. Water treatment, vacuum pumps, biotechnology and liquid separation systems for the process and food industry and refrigeration systems are some of its specialties, along with manufacturing of induction thermal desorption units, designed for the processing of oil-contaminated drilling waste. Engineering and production are of the highest quality. Pricing is globally competitive, with ownership or licensing schemes for intercompany or external partners. Eagle Technology seeks to create long-term value and cultivates mutually beneficial relationships with employees, corporate partners, customers, communities, suppliers and shareholders. It prioritises environmental conservation and develops products that convert waste into a resource. Clients trust Eagle Technology with the design, documentation and production of solutions for offshore, marine and land-based industries. Eagle AS and its seven subsidiaries uphold and advance the principles of the UN Global Compact. The group invests in companies with clean energy and environmentally friendly solutions and has an annual turnover in 2018 of about €50m. The CFI.co judging panel presents Eagle Technology AS with the 2020 award for Best Sustainable Technology Value Creation (Europe).

[caption id="attachment_7990" align="aligncenter" width="933"] The ownership and top management in Eagle. From left: General Manager, Eagle Technology Bosnia, Ivo Klaric, founder of Eagle, Einar Myklebust, CEO of Eagle Technology, Roy Moberg and CEO of Eagle Group Pål Myklebust.[/caption]

[caption id="attachment_7991" align="aligncenter" width="900"] From left: Sales director, Johnny Slåttland and CEO Roy Moberg in a Team chat with the General Manager in the factory in Bosnia, Ivo Klaric.[/caption]

[caption id="attachment_7992" align="aligncenter" width="900"] Factory in Bosnia[/caption]


WISeKey: Best IoT Semiconductor Innovator Global 2020

The Next Big Thing is already here and will revolutionise our way of living – yet again. However, fear not: The naming of the Internet of Things (IoT) may have been unimaginative, but its applications are not. According to WISeKey, a Swiss-based innovator and disruptor, the IoT is growing exponentially, connecting mere billions of devices today, but will link well over a trillion ‘things’ by 2030. Operating at the leading edge of the digitalised world, WISeKey is engineering a hack-proof yet user-friendly environment. Unique amongst its peers, the company develops and manufactures its own chips that help establish fully secured data generation and injection capabilities. To protect against hackers, WISeKey has created scalable hardware and software suites that provide secure connections from the edge, where data is gathered, to the cloud where the processing takes place. WISeKey was founded in 1999 and was an early promotor of strengthened security in electronic communication. To that end, the company engages with key organisations, such as the World Economic Forum (WEF) and the International Telecommunications Union (ITU). Listed on Nasdaq, WISeKey is recognised for its adherence to a well-defined and clear mission statement. The company also excels in transparent corporate governance. Thanks to its expertise, size, and domicile, WISeKey has maintained – and expanded – its edge over the competition. The CFI.co judging panel remarks that the company is forward thinking and actively pursues new opportunities to grow organically and through acquisitions. The judges are delighted to offer WISeKey the 2020 award Best IoT Semiconductor Innovator (Global).


Deutsche Oppenheim Family Office: Best Strategic Asset Allocation Team Germany 2020

Decades of experience in capital markets have made the Deutsche Oppenheim Family Office a trusted ally in wealth creation and preservation. Its experts draw on long career experience to help clients make the most of their money, now, and in the future. As the multi-family office and asset manager arm of Deutsche Oppenheim Bank, clients benefit from the group’s international network. Deutsche Oppenheim Family Office works with high-net-worth individuals, entrepreneurs, churches, foundations and institutional investors to tailor strategies that reflect individual objectives and circumstances. The strategic asset allocation (SAA) team performs the crucial initial step, quantifying opportunities and risks for liquid and illiquid assets with reliable, research-backed models and market indicators. The SAA team has created an award-winning proprietary simulation model, the Monte Carlo, which takes into account a range of stylised empirical facts, including “black swans” (unpredictable events) and yield curve smoothing. The team applies a “PassivPlus” concept to fund management to cover the SAA-defined liquid benchmarks and market indices with a mix of passive exchange-traded and actively managed target funds. This approach plots an investment roadmap using academically researched and market-proven concepts as guideposts. It harnesses the power of big data algorithms and factor-based modelling to reduce human error and remove emotion from the equation. For its data-driven and customer-centric approach, the CFI.co judging panel declares Deutsche Oppenheim Family Office as the winner of the 2020 award for Best Strategic Asset Allocation Team (Germany).


Coeur Mining, Inc: Best Miner Governance North America 2020

Coeur Mining, Inc (Coeur) operates in accordance with a governance code of high principles, promising to protect people, places and planet. It aims to deliver quality resources, sustainable business growth and concrete community impacts. The Chicago-based company operates five precious metal mines in the US, Canada and Mexico. In 2019, Coeur achieved increases in revenue and operating cash flow, up 14 and 357 percent respectively year-on-year, as well as reductions in injuries and debt, down 11 and 36 percent. Through strong shareholder engagement — with around 100 one-on-one and group meetings with investors last year — Coeur seeks feedback for continuous improvement. Coeur’s commitment is demonstrated by the historical inclusion of environmental and safety components of the annual incentive plan for executive compensation. Increased demand for sustainability inspired the Board to increase the weighting of those components in 2020. Over the past decade, the company has pushed the bar ever higher in terms of best-in-class corporate governance, increasing diversity and oversight at the Board level. Coeur benefits from a progressive management team with a blend of backgrounds and tenures that inspires new ideas and fresh perspectives. Coeur employees feature ardent environmentalists in their number, and they take pride in the company’s expanding ESG accomplishments. Coeur has integrated ESG functions across all departments and implemented ESG data-tracking and enhanced disclosures. The CFI.co judging panel recognises a company with a solid moral compass, and declares Coeur Mining winner of the 2020 award for Best Miner Governance (North America).


Hannon Armstrong: Best ESG Sustainable Investment Strategy USA 2020

Hannon Armstrong has proven that climate-positive investments can deliver superior risk-adjusted returns. In 2013, the firm became the first publicly traded US company (NYSE: HASI) to invest exclusively in climate-change solutions, providing over $1 billion every year to energy efficiency, renewable energy and other sustainable infrastructure projects. Decades of sound governance and savvy investments have driven steady growth in AUM to more than $6 billion as of June 2020. Client-centric in nature, Hannon Armstrong cultivates deep long-term relationships with clients, which generate programmatic deal flow. It embraces collaboration to promote the Sustainable Development Goals both through its investments and affiliations with clean energy industry organisations, environmental NGOs, and other non-profits. Hannon Armstrong also partners with groups and initiatives that push for climate action, high ESG standards diversity and inclusion, clean energy, responsible investment, and social justice. Hannon Armstrong’s investments have had measurable ESG impacts, with some 3.2 million metric tons of carbon emissions eliminated and 12.9 billion litres of water avoided annually through its investments. These investments have led to the direct creation of more than 140,000 jobs across the US. The company believes that all investors should measure the efficiency with which capital deployed reduces climate change, which is why they developed and adhere to an impact-scoring system called CarbonCount® that measures the greenhouse gas emissions reduction per every $1,000 invested. The CFI.co judging panel is pleased to present Hannon Armstrong with the 2020 award for Best ESG Sustainable Investment Strategy (USA).


TGE - Polish Power Exchange: Best Sustainable Commodities Exchange Central Europe 2020

Over the past two decades, TGE (Towarowa Giełda Energii - Polish Power Exchange) has played a crucial role in the development of the national energy market and economy. The Warsaw-based company is a pioneer of commodities trading, from spot to forward markets, with its own licensed clearing house to operate a regulated market. TGE is active in four main commodity markets — electricity, natural gas, property rights and CO2-emission allowances — under the regulation and oversight of the Polish Financial Supervision Authority. For many years, TGE has been involved in building a common European energy market. TGE is the Nominated Electricity Market Operator (NEMO) for the Polish pricing area and has also been a full member of the PCR project since 2015. TGE is included on the ACER’s list of platforms for reporting transaction information according to REMIT requirements.

Last year, TGE opened its cross-border SIDC market based on the XBID model, which connects domestic electricity Intraday Markets within the European Union and enables continuous cross-border trading among entities in most European countries. At the start of 2020, TGE announced a new addition to its line-up: the agricultural and food commodities market. Maintaining regulatory compliance with national and regional standards of corporate governance is of paramount importance to the exchange, as this leads to sustainable success and a solid reputation. TGE enjoys strong word-of-mouth referrals, and increased transparency promotes a better understanding of trading conditions — which in turn results in a boost for trading skills and stakeholder trust. TGE professionals are knowledgeable and confident in their ability to seize upon opportunities while minimising risk. They think critically and react decisively in a dynamic business environment. The team pulls together to advance the organisation by focusing on results-driven strategies and projects. The CFI.co judging panel recognises the distinctive role TGE has played in the development of the European commodities markets and energy sector. The judges congratulate TGE Polish Power Exchange, winner of the 2020 award for Best Sustainable Commodities Exchange Central (Europe).


XM: Most Reliable Broker Global 2020 | Most Transparent Broker Global 2020

The CFI.co judging panel congratulates XM on its 10th year of trading, pointing out that longevity is an indication of the intention and wherewithal to properly care for clients at all times. The broker provides quality products and services and is constantly refining practices to ensure a rapid, effective, and sensitive response whenever that should be needed. The technology, strong cashflow and necessary resources on-hand allow super-fast withdrawals by clients. Trades are executed at a dazzlingly fast speed and, on principle, XM has never given a re-quote. There are no hidden costs and full transparency. Broker and client funds are held at tier-one banks and XM is proud that it always exceeds minimum capital ratios (which is a barrier to entry for small and new brokers). XM is a trusted and reliable broker whose professionalism is widely recognised. CFI.co has made multiple awards to XM, having had the opportunity to measure the broker’s progress over many years. The panel is impressed and believes that XM is set for much more success, because it has created a comforting and secure environment for clients. The broker keeps faith with its mission to respond to global market demands and approach client investment goals with an open mind. XM has been a CFI.co winner for each of the past three years and for 2020 receives awards of Most Reliable Broker and Most Transparent Broker (Global)


lndufor: Best Green Project Verifier Nordics 2020

Sustainable forestry is a key driver in the greening of the global economy. In the shift towards renewables, already well under way, forests play a major - but often overlooked - role; a case, perhaps, of not seeing the trees for the wood. The careful management of this bioresource calls for significant expertise and experience, and the engagement of all stakeholders, including local communities. Celebrating its 40th year as a forestry consulting services provider, lndufor of Finland is active in over 100 countries. The company works with public and private sector entities in medium- to long-term forest and wood industry projects. lndufor services include environmental, social, and governance (ESG) assessments and advisory services on risk mitigation and management in both forestry and forest industries. The Consultancy considers sustainability as its core business. lndufor helps forestry companies, forest owners, investors, state actors and civil society organisations to map paths to responsible and efficient resource management and production. The company provides a comprehensive suite of forest-related services, including sustainable finance, strategic industrial development, and natural resources management .  lndufor is wholly-owned by management and staff, and is headquartered in Helsinki  with branch offices in Australia, New Zealand and the US, and representation in China. Since its inception, the company has helped more than 300 clients to implement over 1,000 forest projects. The CFI.co judging panel recognises the supreme importance of forests to bio-production processes. The responsible exploitation of such an invaluable source of renewables requires the strict observance of relevant ESG parameters. The judges are pleased to present lndufor with the 2020 award for Best Green Project Verifier (Nordics).

For more information, please see their website.


Grupo Ageas Portugal: Best Insurance Group Portugal 2020

With its holistic approach to the management of the unexpected, Grupo Ageas Portugal offers its clients the peace of mind to focus on the sunny side of life. The insurance group is comprised of five subsidiaries, each specialised in a distinct set of products that, taken together, cover the full range of eventualities. Grupo Ageas Portugal celebrates inclusion and transparency, and displays a genuine concern for the wellbeing of both clients and staff. Recognising that the insurance sector thrives on trust, Grupo Ageas Portugal prioritises communication, keeping all stakeholders continuously informed via a multitiude of channels. The company’s day-to-day operations are grounded in a detailed code of ethics that has become an industry benchmark. Grupo Ageas Portugal is part of Belgian insurer Ageas, present in 14 countries and with a corporate history spanning 190 years. Present in Portugal since 2005, Ageas revolutionised the country’s insurance industry, setting new standards of excellence and quickly becoming one of the largest national insurers. Grupo Ageas Portugal maintains a number of corporate social responsibility initiatives that promote sustainability, innovation, and solidarity. The company is particularly mindful of environmental, social, and governance considerations. The CFI.co judging panel recognises Grupo Ageas Portugal for its exceptional performance — not just as a insurance company, but as a corporate citizen. The company engages with all stakeholders, listens to them attentively, and acts responsibly. The judges are delighted to offer Grupo Ageas Portugal the 2020 award for Best Insurance Group (Portugal).


Nanopool: Best Green Alternative Innovation Europe 2020

Nanopool GmbH, established in 2002, is an innovative nano-technology company working in the field of ultra-thin layers and specialised surface coatings. Consider the possibilities of spraying almost anything with a coating so fine that it is impermeable, and nothing can stick to it. NP Liquid Glass coatings are suitable for hard and soft surfaces without any alteration of their look or feel. Applications include protective barriers against germs, dirt and viruses. Solutions can be delivered on-site and Nanopool’s low-cost technology means that it can operate in almost all economic regions. NP Liquid Glass represents a revolutionary breakthrough for the packaging industry as governments worldwide begin to adopt more stringent plastic bans. And it doesn’t get much greener than a plan for treating plants with protective layers that add to their wellbeing and allow growers to dispense with harmful pesticides. These silicon dioxide-based coatings represent an invisible protective coating that is 500 times thinner than a human hair. Nanopool has been cooperating with academia and institutions – including the NHS – since its inception and is bringing to market interesting, cost-effective and efficient solutions. Nanopool is resolutely a family business that shows commendable responsibility to its customers, employees and partners. The company joined the UN Global Compact Network last year and champions the SDGs. In 2009, Nanopool created the NP Academy to teach ways of working with nano-technology products. The company currently operates in the Americas, Asia, Australia and Europe and expects to be visible in Africa soon. The CFI.co judging panel commends Nanopool and expects further promising developments to unfold. Without hesitation, the company is named 2020 winner of the award Best Green Alternative Innovation (Europe).


ODIN Investments: Best Investment Services Corporate Governance Egypt 2020

ODIN Investments is one of Egypt’s leading direct investment banks. Over the past 35 years, it has established a network of close relationships with business and government contacts. ODIN benefits from a seasoned leadership team: CEO Hashem El-Sayed is one of the longest-serving members of the Egyptian stock exchange, with a 10-year tenure on the board. Decades of fruitful relationships with government agencies have contributed to ODIN’s dividend growth and strengthened its specialist status. The listed company has attracted more than 6,500 shareholders and invested in some 60 projects. ODIN Investments is celebrating the launch of its Egyptians Real Estate Fund, a regional first which gives individual or institutional investors access to an investment instrument with a high degree of liquidity and low level of risk. The closed fund has a 10-year term that comes up for renewal in 2028. An ODIN creation, Emerald Real Estate Investment, claimed the honour of becoming the first IPO of 2020 listed on the Egyptian stock exchange — and it was oversubscribed by 134 percent in the private tranche and by 1,770 percent in the public. ODIN Investments was founded in 1984 by four of Egypt’s biggest banks (National Bank of Egypt, Banque Misr, Banque du Caire and Bank of Alexandria), and it has earned its spot as one of the country’s most trusted investment institutions. ODIN offers clients investment banking, private equity, asset management and venture capital services. It recruits and retains top talent, and provides staff with ongoing professional development. The CFI.co judging panel declares ODIN Investments winner of the 2020 award for Best Investment Services Corporate Governance (Egypt).


BBVA: Best Sustainable Bank Spain 2020

In its mission statement, Spanish multinational financial services company BBVA pledges to help customers improve their financial health and transition to a more sustainable future. CEO Carlos Torres Vila believes that climate change could be the “greatest business disruption humankind has ever faced”. As one of the world’s largest financial institutions, BBVA (Banco Bilbao Vizcaya Argentaria) is squaring up for the fight against climate change, and its Pledge 2025 outlines the ambitious benchmarks. Its carbon footprint will shrink thanks to the use of 70 percent renewable energy sources within the next five years. It aims to reach 100 percent renewable energy by 2030 — a feat already accomplished throughout its Spanish network. BBVA is mobilising €100bn to support green finance, sustainable infrastructures, social entrepreneurship and financial inclusion over an eight-year period — and has already reached 30 percent of that target. BBVA has adopted all 17 of the United Nations’ Sustainable Development Goals as a roadmap of opportunity and obligation. For each goal, BBVA contributes with sponsorship of social and environmental programmes, campaigns to raise awareness and partnerships that encourage innovation. BBVA offers green loans for energy-efficient homes and eco-friendly vehicles, issues sustainable bonds for social or environmental projects, and extends revolving credit lines with preferential rates to corporate clients with outstanding ESG scores. BBVA develops investment products that align with the principles for socially responsible investing, including two portfolio funds, a one-year sustainable finance contract and a long-term individual pension plan. The CFI.co judging panel is pleased to present BBVA with the 2020 award for Best Sustainable Bank (Spain).

For more information, please see their website.


Liechtenstein Bankers Association: Outstanding Contribution to Good Bank Governance Liechtenstein 2020

Tiny Liechtenstein boasts one of the world’s highest GDPs per capita. The country’s corporate-friendly tax schemes and skilled labour force have fostered a thriving financial centre. The Liechtenstein Bankers Association (LBA) serves as the unifying voice of those financial institutions, and charts a course for their shared success with a future-orientated roadmap. Stability, quality and sustainability are cornerstones of the LBA mission. The association has started to regularly assess its sustainability performance, measuring operational practices and financial products against internally set and internationally recognised ESG metrics. The LBA takes a proactive approach to shaping the financial centre through sound governance measures and impactful social programmes. A combination of due diligence and strong cybersecurity presents a front against fraudulent and criminal activity. The association is a proud supporter of the Liechtenstein FAST (Fight Against Slavery and Trafficking) Initiative, which addresses those suffering from modern-day slavery. The LBA prioritises lifelong learning, and both LBA and its member banks provide their employees with continuous training to ensure professional skills — and client advisory services — remain sharp and relevant. Education is a core pillar of its social outreach efforts, with targeted youth engagement to increase financial literacy and prevent the accumulation of unnecessary debt. As the LBA celebrated its 50-year anniversary last year, it organised the flagship Liechtenstein Bankers Day, uniting thought-leaders of sustainable finance to discuss the future of financial ecosystems. The CFI.co judging panel presents the Liechtenstein Bankers Association — a repeat winner — with the 2020 award for Outstanding Contribution to Good Bank Governance (Liechtenstein).


Kommuninvest: Best Sustainable ALM Strategy Europe 2020

Kommuninvest, a co-operative venture among Swedish municipalities seeking a competitive edge in capital markets, encapsulates the adage “together is better”. It began over 30 years ago with just a few participants, but now 90 percent of the country’s municipalities and regions are Kommuninvest members. Collective experiences in local government financial administration is pooled to offer sustainable financing solutions that facilitate societal benefits and secure investments opportunities that can generate high returns. Kommuninvest achieves this through strict asset and liability management (ALM), mitigating or eliminating financial risks from mismatches. The company has raised capital through the issuance of ten green bonds since 2015; the most recent, in May, was for SEK 5 bn. Kommuninvest tracks the bonds’ impacts in an annual report, which details the ESG progress of financed projects. Green bonds support the financing of climate-resilient projects undertaken by regional governments across Sweden — and they come with the highest international credit ratings. Kommuninvest’s triple-A status reflects the strong asset quality of its lending portfolio, backed by several liability commitments. A cautious risk profile and accessible liquidity strengthen its market position. The Kommuninvest approach has successfully weathered the global pandemic — just as it did the financial crisis of 2008. Other nations have begun to implement similar models, and Kommuninvest is happy to share the knowledge it has acquired. The CFI.co judging panel congratulates Kommuninvest, winner of the 2020 award for Best Sustainable ALM Strategy (Europe).


Co-op Legal Services: Best Estate Administration & Probate Services Provider UK 2020

According to consumer research by Co-op Legal Services, there are common misconceptions about how the law will work, particularly in the event of incapacity and death.  For example, most people expect that the law will allow next-of-kin to look after the financial affairs of someone who has lost capacity (temporary or permanent) and that a lifetime partner will inherit most or all of the assets of the deceased.  These misconceptions leave people, their families and assets exposed and Co-op Legal Services has harnessed digital technologies to engage with clients in true pioneering fashion, deploying interactive tech solutions to ensure people have free access to the information they need to understand their legal options and choose the option best suited to their needs.  Co-op Legal Services has in effect created a ‘virtual solicitor’ to provide legal guidance and advice on a digital legal advice platform.

Co-op Legal Services encourages clients to leave nothing to chance by spelling out their final wishes in a will. It launched an online tool to provide prospective customers with free estate-planning diagnostics to determine the complexity of the will needed. Clients can also start the process online to obtain a legally binding and custom-created will to ensure that final wishes are respected. They receive a copy of the will while the original can remain safely stored by Co-op Legal Services, for their client’s lifetime, free of charge.

Bereaved families trust Co-op Legal Services to handle estate administration matters during difficult times. Co-op Legal Services employees more than 600 professionals, including solicitors, tax experts, probate property experts, case handlers, advisors and consultants, plus a probate team c200-people strong. The firm is trusted with over £1.5bn in estates annually and offers a range of legal services with fixed-fee or flexible pricing plans, including family law, personal injury and accident claims, employment law and conveyancing. The CFI.co judging panel is pleased to see the firm, a repeat winner in the awards programme, continue to expand its suite of high-tech and high-touch legal services. The judges congratulate Co-op Legal Services, winner of the 2020 Best Estate Administration & Probate Services Provider (UK) award.


Bermuda Stock Exchange: Best Offshore Securities Exchange Caribbean & North Atlantic Region 2020

Tourists are smitten by the famous pink-hued beaches, but savvy investors know Bermuda is more than a vacation hotspot – it’s a world class offshore financial centre. Investors don’t have to be residents to invest in Bermuda Stock Exchange (BSX) publicly listed securities. It offers retail stocks, bonds, and mutual funds. Novice investors gain confidence with a detailed dossier on investment basics, and are directed to local brokers who can open a path to owing a share of Bermuda. The archipelago boasts one of the highest GNPs per capita worldwide and is one of the top three centres for insurance and reinsurance alongside London and New York, and world leader in the issuance of insurance-linked securities. A fully electronic exchange since 1993, the BSX has contributed to the local economy with infrastructure to centralise the market in a well-founded system with robust domestic and international activity. The Exchange is regulated by the Bermuda Monetary Authority and is an accredited member and sits on the Board of the World Federation of Exchanges. BSX lists and trades stocks of publicly listed companies across financial services, consumer good, insurance, media, real estate, transport and utilities. Investors praise the exchange for its efficiency and speed in the clearing and settlement of trades. The burgeoning BSX is proud of its track record of maintaining and solid and dependable market platform for local and global customers. The CFI.co judging panel declares Bermuda as the winner of the 2020 award for Best Offshore Securities Exchange (Caribbean & North Atlantic Region).


Moonfare: Best Private Equity Performance Transparency Platform Global 2020

The mission statement of Moonfare is to democratise private equity (PE). The Berlin-based firm accomplishes this by offering a digital solution with a fair cost and lower minimums. Participation in top-tier funds is often blocked by high buy-in hurdles, but Moonfare provides individuals with the opportunity to get in on high-performing funds with a minimum investment of €100,000. Over the firm’s two-year history, it has proven that PE investments are not limited to the domain of institutions, but are accessible to retail clients and to private individuals as well. Moonfare has attracted hundreds of investors and surpassed 300 AuM in May. It expects that figure to hit €1bn by 2021. New clients appreciate Moonfare’s easy digital onboarding, where KYC (know your client) and AML (anti-money laundering) documentation can be completed within minutes, and subscriptions are confirmed with an e-signature. Unlike traditional PE investments, where hold periods typically last five or more years, Moonfare gives clients the option to sell fund subscriptions after a year. Moonfare traverses borders with a digital investment platform that offers secure and seamless regulatory compliance throughout Europe and Asia. Moonfare has built an 80-person, 12-nationality team, brimming with experience and energy. The team continuously monitors fund performance to target ROIs of at least 18 percent. For its innovation, discipline and agility, the CFI.co judging panel declares Moonfare as the 2020 winner of the global award for Best Private Equity Performance Transparency Platform.


Ascential: Best Global Digital Growth Solutions UK 2020

Ascential started out over 130 years ago as EMAP, a British newspaper group; now it reigns supreme as a specialist information, data and analytics company, operating from more than 30 offices around the world. It helps brands and e-commerce platforms to thrive in a digital economy. It has a demonstrated talent for strategic growth, constantly strengthening its geographic and technological coverage. The company was an early adopter of e-commerce and has made substantial investments to solidify its presence. In 2012, Ascential invested £37m in a transformation programme to develop world-class sales and marketing platforms with strong product and content creation. Ascential deploys global teams, with hundreds of analysts from China to the US. It has assembled experts to scale-up the processing of big data and has served the top 10 merchants on Amazon over the past four years, boosting turnover from £300m to tens of billions. Ascential is the only company in the world that can show real-time trading across eight platforms. It’s a meticulously controlled organisation with a strong tech infrastructure and a knack for innovation. It often beats competitors to market — and helps its clients to do the same. The global pandemic has pushed the company to execute 10 years of market transition strategies in just 10 weeks. Not a problem for this responsive and tech-competent company — and new launches are anticipated by September. The CFI.co judging panel congratulates Ascential, winner of the 2020 award for Best Global Digital Growth Solutions (UK).


Royal Brunei Airlines: Best Flag Carrier Financial Management Team Southeast Asia 2020

[caption id="attachment_8166" align="aligncenter" width="1000"] RB Finance Management Team (from Left – Right):
• Maggie Low, Vice President Revenue Finance, Finance -Revenue
• Dennis Co, Vice President Financial Services, Finance
• Nurbahriah Eliza Abdullah, Chief Financial Officer, Finance
• Karl Lim, Vice Presdient Fuel & Insurance Management, Fuel And Insurance Management Section
• Sherwin Garcia Santiago, VP Finance Operations, Finance[/caption]

Brunei Darussalam is a hidden gem of peace and prosperity on the island of Borneo. The tiny nation boasts one of the highest per-capita GDPs and some of the world’s most productive oil and gas operations. Royal Brunei Airlines invites tourists to experience all the country has to offer, including its famous golden-domed mosques and biodiverse rainforest reserves. The airline offers regularly scheduled flights across Asia, the Middle East, Australia, and the UK. There are more than 30 destinations in its network, including London, Dubai, Tokyo and Melbourne, while code-sharing and interline agreements add more destinations. This boutique airline has become a well-known name in the tourism industry. Royal Brunei Airlines, a wholly owned government airline, is a 4 star Skytrax and 5 star APEX rated airline known for its service and warm Bruneian hospitality. The business features a solid finance structure and consistently hits its performance objectives. Significantly, Royal Brunei Airlines also supports the productivity and growth goals of numerous companies across a broad range of industries. The CFI.co judging panel was impressed by the financial management skills that are underpinning this airline’s progress. These are trying times for tourism, with embargos on international travel threatening many players, but Royal Brunei Airlines has proven a competent captain despite the turbulence. When health and safety measures grounded 95 percent of its international flights, Royal Brunei got creative and started booking private chartered flights. For its ingenuity, perseverance and impressive financial nous, the CFI.co judging panel presents Royal Brunei Airlines with the 2020 award Best Flag Carrier Financial Management Team (Southeast Asia).


SEB Group: Most ESG Responsible Banking Group Nordics 2020

Nordic financial services company SEB Group has been supporting ambitious entrepreneurs since 1856, through good times and bad. SEB has earned a reputation for exemplary sustainability standards and a sensitivity to socio-ecological issues. The group seeks to reduce environmental impacts throughout its stakeholder network, and advocates for policies that push corporate entities and private citizens worldwide to go cleaner and greener. As a member of regional banking associations, and as a signatory of the UN’s Environment Programme Finance Initiative, SEB is able to engage with thought-leaders and policy makers. The group’s commitment to outstanding corporate responsibility, transparency and accountability is evident throughout its policies and product line-up. Green innovation is shaping product development, and SEB has launched a suite of financing, investment, payment and asset management solutions to meet the demands of the most conscientious consumers and investors. A sustainability team of 30 professionals develops solutions that contribute to healthier ecosystems, including green bonds and mortgages, sustainable development bonds and health impact bonds. The group has proven to be more than a fair-weather friend in the trying times of the coronavirus pandemic, and has leveraged its solid capital and liquidity position to tailor relief assistance to the needs of its customers and society at large. For its dedication to protecting people and planet as well as profits, the CFI.co judging panel declares the SEB Group the 2020 winner of the Most ESG Responsible Banking Group (Nordics) award.


Learn Capital: Most Innovative Global EdTech Investor United States 2020

Learn Capital's mission and purpose are neatly encapsulated in the company title. The US venture capital firm invests in dynamic entrepreneurs seeking to transform the global education sector. In 2010, Learn Capital's founders hypothesized that the confluence of tech trends in mobility, broadband, and cloud computing could radically expand the scope and access of quality learning for the world's population, and they created a venture firm to pursue this mission. Today Learn Capital has regional headquarters in San Francisco's Bay Area, i.e. Silicon Valley and America's West Coast, but its support is global, and the firm aims to bolster innovative learning experiences, platforms and services to individuals from every type of background, on nearly every continent. Its team has invested in 110 companies throughout the world, helped in part by a worldwide network of sourcing partners and a founding team of investing partners with extensive expertise in both learning science and hyper-growth startups. Learn Capital is known for companies that have achieved high scale like Coursera, the world's largest network of premier higher education experiences, and Udemy, the world's largest peer-to-peer network for sharing knowledge and skills Select examples of its work from dozens of other emerging companies include Armenia's SoloLearn — the world's largest mobile social platform for coders — and Croatia's Photomath, where learners can take a picture of any math problem and it will be taught to them by the app, without any need for expensive tutors which are out of reach for most students in the world. Photomath has been downloaded more than 100 million times is one of the top educational apps on all smartphone platforms. In the technical skills realm, Learn Capital has invested in Andela, which has bases in Nigeria, Kenya, Uganda, Rwanda, Egypt and Ghana. Andela has created the first software development cluster in Africa, building remote engineering teams and providing talented individuals with broad access to skill building experiences at no upfront cost to themselves. Learn Capital emphasizes value of sustainability and inclusion, and it is working towards a 50/50 gender balance among its founding teams. In the wake of the recent global dislocation from the 2020 pandemic, education technology is now accelerating at an unprecedented rate and the signs point to a potential for massive growth. The CFI.co judges were impressed, to say the least, and had no hesitation in conferring on Learn Capital the 2020 award for Most Innovative Global EdTech Investor (United States).


Euro Exim Bank: Best Global Trade Services Bank 2020

Euro Exim Bank gives businesses a leg-up in the global trade game with a suite of services backed by blockchain. It was launched in 2015 and is a trusted partner of import and export businesses. Euro Exim has a Class-A international banking licence that allows it to support enterprises around the world, regardless of industry. The licence is granted by the Financial Services Regulatory Authority of St Lucia, where Euro Exim has its headquarters. The bank has a representative office in London, and plans to expand the global network with branches in Singapore, Chennai and Dubai within the next 12 months. Its service offering covers corporate bank accounts, pre-paid credit cards, letters of credit, trade credit lines, wire transfers, bank guarantees — everything needed for truly global operations. Euro Exim became the first regulated bank in the world to officially partner with Ripple, the tech company responsible for the XRP cryptocurrency, ODL (on-demand liquidity) and xCurrent solutions. Through this partnership, Euro Exim clients enjoy rapid, frictionless cross-border transactions in 80 countries, with low cost and high auditability. The bank expects peers to follow its lead in using blockchain to unburden global trade from the paper-based system and its inherent problems of bureaucracy and fraud. The CFI.co judging panel agrees on the benefits of blockchain, and presents repeat winner Euro Exim Bank with the 2020 award for Best Global Trade Services Bank.


C2FO: Best SME Working Capital Innovator UK 2020

C2FO, the world's first working capital marketplace, was established to counter hinderances to the economic stability and business continuity that a healthy supply chain provides. Money spent at retailers and other large enterprises takes a while to trickle down into the pockets of the suppliers, often SMEs, that drive the global supply chain. C2FO, founded in 2008, has developed a win-win solution that enables suppliers to ask for early payment of their payable invoices at a small discount of their choice, if they want to. Large companies usually have the liquidity to promptly settle invoices, but suppliers nonetheless often have to wait up to 90 days for payment. But with C2FO, suppliers typically see payments made and bank accounts credited by the next business day. C2FO estimates the balance of outstanding invoices worldwide stands at $40tn. Delayed payments represent a huge challenge for smaller businesses - or can even cause their downfall. Of the UK's million-plus suppliers, 93 percent are SMEs, and 70 percent of those are micro-enterprises. C2FO convinced big-name buyers to support supply chains - while getting better returns on their cash than from the bank. Feedback has been overwhelmingly positive, and the client list has grown to include big-hitters such as Amazon, Costco, Siemens, Air France, Philips, Hewlett-Packard, Danone, Ford and Walmart. Since its launch, C2FO has generated more than $130bn in working capital flow volume, and accelerated payments by a collective 1.1bn days. For a company that has brought control to cash flows, the CFl.co judging panel presents C2FO with the 2020 award for Best SME Working Capital Innovator (UK).


Nordea Life Finland: Most Sustainable Assurance Nordics 2020

The Nordea family tree has roots stretching back to the 1800s, and has grown into one of the most respected financial services brands of the Nordics. Nordea Life Finland is one of the group’s subsidiaries, specialising in financial services and insurance solutions over the past 28 years. Nordea Life Finland upholds the group’s reputation for exemplary ESG leadership and weighs sustainability concerns in all its decision-making processes. The company considers all the people its operations touch — employees, customers and communities — and articulates its commitment to uplifting stakeholders in comprehensive governance policies targeting long-term sustainability performance, responsible investment, supplier expectations, tax compliance and financial crime prevention. Nordea Life Finland is a repeat winner in CFI.co awards programmes, and the judging panel is pleased to witness the company’s continued improvements. Its recent annual report detailed another successful year, with an increase in premium income and a strong solvency position that exceeds almost twice the solvency requirement. Last year proved profitable for its Globe Basket investments, which seek positive socio-environmental impacts and attractive returns. Investment baskets, which can be linked with individual pension, endowment or capital redemption plans, showed good returns for equity and fixed income investments across markets throughout 2019. After assessment in the first quarter of 2020, Nordea Life Finland was awarded six-star recognition by the EFQM (European Foundation for Quality Management), a recognition of excellence. The CFI.co judges have no hesitation in presenting Nordea Life Finland with the 2020 award for the Most Sustainable Assurance (Nordics).


Bank One Ltd: Best Corporate Bank Indian Ocean 2020 & Best International Banking Services Indian Ocean 2020

Mauritius-based Bank One aims for excellence in customer experience, creates value in every relationship, contributes to community development and rewards employees for outstanding performance. Bank One's stakeholder network includes regulators, who praise the bank for its compliance and oversight, shareholders who celebrate objectives met and dreams achieved and valued partners who choose Bank One as a reliable institution both locally and internationally. Bank One has a team of 411 professionals, who are at the cornerstone of the bank’s strategy and who work across 10 branches and six business lines — corporate, international, private, retail, treasury, and e-commerce — to serve around 50,000 customers. The bank follows a customer-centric business model, taking the role of partner and guide. Bank One has developed a spectrum of corporate and international banking solutions to facilitate the flow of commerce and stimulate growth. International Banking remains the mainstay of Bank One. In pursuance of its diversification strategy, it has been able to acquire new geographies under its portfolio. Through its International Banking segment, Bank One has also introduced several new value-added products into its suite, in response to customers’ demands and the requirements of a dynamic market environment. The business line is actively pursuing other mandates with several business partners; the setting up of a desk to deal with financial institutions forms part of its strategy and is now a reality. On the other hand, corporate banking has been growing year on year at Bank One despite challenges and uncertainties prevailing in the local and international contexts and has been able to further diversify its deposit sources, with several new names added to its customer base during the last financial year. The CFI.co judging panel, impressed by the bank's performance in challenging times, presents Bank One — a repeat CFI.co winner — with a 2020 dual award for Best Corporate Bank & Best International Banking Services (Indian Ocean).


Afghanistan International Bank CJSC: Best Corporate Governance Afghanistan 2020

As the world reels from the effects of the pandemic, Afghanistan International Bank sees its continued success as a boon — and the natural result of more than a decade of solid corporate governance. AIB has earned its reputation as a safe haven through international best practice, sound risk management and comprehensive security measures. Exacting standards qualify the bank as a clearing house for US dollars and pounds sterling. Its status has led to a substantial increase in deposits, despite subdued investment activity. The bank has cultivated a small loan book and remains in constant contact with customers to ensure any potential problems are dealt with pre-emptively. AIB has new headquarters in Kabul City — where its updated IT security system has achieved ISO 27001 certification and transformed the modern facility into a digital fortress. The building has been granted visitation approval by the World Bank and the British and US Embassies. AIB was founded with the mission to drive economic and social development in Afghanistan. It achieves that end with the personal, business and Islamic banking services it provides, and by collaborating with communities to support orphanages, women's organisations and food distribution projects. The CFI.co judging panel has followed AIB’s progress over the years, conferring several awards in recognition of its exemplary ethical framework. The judges continue to find cause for acknowledgement, and present Afghanistan International Bank CJSC with the 2020 award for Best Corporate Governance (Afghanistan).


Absa Bank (Seychelles): Most Responsible Bank Seychelles 2020

The Seychelles archipelago — 115 islands nestling off the east coast of Africa — boasts some of the world’s most spectacular landscapes, flora and fauna. The main attraction for African financial services group Absa, however, was the republic’s status as a world-class financial centre. Absa Bank (Seychelles) forms a crucial link in the group’s coverage of the African continent, with a presence in 12 countries. Absa Bank acts as an agent of positive change at community and continental levels. It makes big promises — and delivers on them by creating meaningful opportunities. Absa was one of the first Seychelles banks to introduce digital services, with a robust and convenient platform. The bank has deep local roots and a profound understanding of its citizens’ needs. It partners with Seychelles organisations to help beneficial programmes, offering tools and sponsorship for promising projects. As a Strategic Partner Associate of the World Economic Forum, Absa is a regular participant at the annual meeting in Davos. It has used the platform to call for the adoption of stakeholder capitalism, and encourages corporations to act as “trustees of society”. Absa Bank pledges the courage and passion needed to shape a better society, and drives innovation in pursuit of solutions to pressing global challenges. Its stakeholder relationships are built on trust, and backed by environmental accountability and inter-generational sustainability. The CFI.co judging panel is impressed, and presents Absa Bank with the 2020 award for Most Responsible Bank (Seychelles).


Mashreq Bank: Best Smart Retail Bank Middle East 2020

With 50 years behind it, Mashreq Bank is as old as the UAE itself. It has grown in tandem with the nation, fuelled by innovation and ingenuity. Mashreq Bank has played a crucial role in the transformation of Dubai from a sleepy hub for pearl divers to the international centre for finance and technology that it is today. Mashreq is a pioneer of the Middle Eastern finance world, and was the first bank in the region to install ATMs, issue credit cards and introduce chatbots. Mashreq Bank has stayed ahead of the competition by upgrading its online offering in tune with client expectations. It has made significant tech investments over the past five years to create a secure digital ecosystem that keeps clients and team members connected with real-time financial access. It uses blockchain technology to streamline the opening of new accounts, and harnesses AI and machine learning to achieve more efficient processing times and lower transaction costs. In 2017, Mashreq Bank launched Neo, the first full-service digital bank in the Middle East, and two years later it followed up with NeoBiz, which tailors digital services for the SME and start-up sectors. Last year, it reported that branch traffic had fallen by more than half, with three-quarters of all new business brought on-board digitally. A full 97 percent of retail transactions are conducted through its hi-tech platforms. This strong rate of engagement will allow Mashreq to shutter half the branches in its network this year. It’s a bold move which will free-up funds for more digital development. The CFI.co judging panel is impressed with this foresight, and presents Mashreq Bank with the 2020 award for Best Smart Retail Bank (Middle East).


Abu Dhabi Global Market: Best International Financial Centre EMEA 2020

In the short span of five years, Abu Dhabi Global Market (ADGM) has earned a reputation as an innovative, responsive and business-friendly international financial centre (IFC). Some of the world’s top businesses call the free zone home, and ADGM listens attentively to understand and anticipate their needs. Its jurisdiction stretches across the 114-hectare island of Al Maryah, where a collection of residences, restaurants and retail shops allow a healthy work-life balance. ADGM collaborates with regional and international partners to achieve global and regional breakthroughs, including the world’s first digital courtroom, and the first Virtual Asset Regulatory Framework. ADGM introduced digital and fintech “regulatory sandboxes” to give entrepreneurs a safe space to experiment, and recently became the first jurisdiction in the MENA region to apply British common law. Three divisions — the Registration Authority, the Financial Services Regulatory Authority and ADGM Courts — have together elevated ADGM’s status as a leading IFC with a regulatory, judicial and dispute resolution system that upholds international best-practice. ADGM has benefited from its enviable geographic location to open new avenues into China to increase collaboration, connectivity and shared economic growth. The CFI.co judging panel congratulates ADGM on accomplishing in a few short years what others have struggled to do in a lifetime. The judges present Abu Dhabi Global Market, a repeat CFI.co winner, with the 2020 award for Best International Financial Centre (EMEA).


Eqdom Maroc: Best Inclusive Consumer Finance North Africa 2020

Over the past 45 years, Eqdom Maroc has earned a reputation as a pioneer of inclusivity in consumer finance. It is a longstanding and trusted financial partner to Moroccans from all walks of life, including civil servants, pensioners and entrepreneurs. The company solidified its position as a consumer finance specialist by filling a gap created by the onerous credit requirements of traditional banks, which tend to focus more on balance sheets and business plans than on people and potential. The sector has good liquidity and high growth, and empowering clients is the cornerstone of the Eqdom ethos. It puts their needs and development at the centre of operations. The company’s two key business lines are personal and vehicle loans. Recent initiatives underline Eqdom’s determination to provide value-added services that promote financial inclusivity. It has extended car loans to people without a banking history – or even an account. It has mobilised a strategic network of branches to connect with rural communities and finance utility vehicle purchases for farmers. It goes beyond consumer credit solutions to support financial education across Morocco. The scope and range of its services continue to expand, with a dedicated workforce of more than 300 employees. Half the team is concentrated at the Casablanca headquarters, with the other members spread across the branch network. Eqdom Maroc earns kudos for team diversity and company-wide gender parity, even at senior management level. The CFI.co judging panel applauds the company’s forward momentum, and declares Eqdom Maroc as the 2020 winner of the award for Best Inclusive Consumer Finance (North Africa).


Gulf Insurance Group Kuwait: Most Innovative Insurance Solutions Provider MENA 2020

Early adopters of digitalisation measures are enjoying a ROI in the form of uninterrupted operations during these challenging times. Gulf Insurance Group Kuwait (GIG-Kuwait) is one of those early adopters — and essential service providers — whose tech investments have inoculated their companies against business disruption. GIG-Kuwait is one of the country’s greatest digital pioneers, pushing the industry to implement tech capabilities that enhance the customer experience and improve operational efficiency. Digitalisation is beginning to take root in Kuwait, and GIG-Kuwait has done much to pave the way. The company formed in 2007, and within a year it had become the first in the country to sell insurance products online. Customers can buy or renew policies through the GIG-Kuwait website or app. Patients and medical providers can process claims through an online platform and connect to a 24/7 call centre for personalised assistance. Digital archival has cut the company’s paper consumption while making the audit and approval of claims more efficient. A comprehensive client database supports the management of customer relationships and the customisation of coverage. GIG-Kuwait added another pioneering moment to the list in 2015 as the first Kuwaiti company to upgrade to the current ISO 27001 international IT security standard. For a digital strategy that has outpaced the competition, the CFI.co judging panel names GIG-Kuwait as the winner of the 2020 award for Most Innovative Insurance Solutions Provider (MENA).


KwaZulu-Natal Joint Municipal Pension/Provident Funds: Best Pension Fund Leadership South Africa 2020

KwaZulu-Natal Joint Municipal Pension/Provident Funds (NJMPF) has been providing retirement benefits for workers in South Africa’s KwaZulu-Natal Province for 78 years. NJMPF offers employers and employees two defined-benefit retirement funds, which provide monthly and lump-sum benefits based on salary and service history. It also offers a defined-contribution provident fund, which pays out lump sums upon retirement, resignation, illness or death. Former CFO Bonginkosi Mkhize took the helm as CEO last year, managing assets of $1.2bn for some 21,000 current members and 9,000 pensioners. The insights Mkhize gained in his previous role made for a smooth leadership transition — one underpinned by an implicit commitment to strong corporate governance. Exemplary governance is a cornerstone of NJMPF, and its compliance handbook goes well beyond national treasury requirements. It maintains close relationships with regulators, and its audits are consistently clean. It engages with members in meaningful ways, and demonstrates strong community commitment. ESG criteria are a key consideration in aligning operations with responsible investing principles. NJMPF has incorporated impact investing into its portfolio to target attractive returns and community gains. The CFI.co judging panel has followed NJMPF for some years, and applauds its innovative efficiencies and economies. Mkhize brings a democratic leadership style to the C-suite, and is committed to fostering a co-operative and cohesive work culture that encourages participation, and rewards performance. The judges declare NJMPF as the 2020 winner of the award for Best Pension Fund Leadership (South Africa).


BLKB: Best Regional Sustainability Bank Switzerland 2020

BLKB (Basellandschaftliche Kantonalbank) is Switzerland's most future-orientated bank. Six years ago, it changed its own investment offering to a completely sustainable product range. Three years ago, it fostered the approach by establishing a set of guiding principles to anchor its operations on an overall bank level and implementing it in its core business strategy. Majority owned by the canton of Basel-Landschaft, BLKB is the largest bank in the region, offering a range of ESG-benchmarked credit, investment and advisory services. It fosters a culture of continuous learning with ongoing vocational training for staff and a sponsorship programme for apprenticeships and university internships. As a forward-looking employer, BLKB offers contemporary work models which allows the staff more flexibility in the organization of working hours and locations. This simplifies the compatibility of work and private life, such as caring for children or relatives, and supports a balanced work-life balance for every employee.

BLKB has made steady advances to curb its carbon emissions, and achieved CO2-neutrality in 2019. It accomplished this by recruiting a company specialising in greenhouse emissions calculation to pinpoint compensation targets, then gave employees the vote on which socio-ecological initiatives to support. Two international projects were selected: establishing safe water supply in Rwanda and protecting forests in Zimbabwe. As the bank states, CO2 recognises no national borders. BLKB ensures its carbon-neutral status will continue through partnership in a local climate-protection project that aims to build up nutrient-rich, carbon-sequestering humus in the region's agricultural lands. The improved soil quality will boost the resilience of regional agriculture production for years to come. BLKB is a role model of good governance, with full accountability and transparency across its operations. The bank pledges end-to-end sustainability for products, people and practices. The CFI.co judging panel is pleased to present BLKB with the 2020 award for Best Regional Sustainability Bank (Switzerland).


IBM: Outstanding Workforce Training Global 2020

With today’s rapid advances in tech, skills can become obsolete before they have been mastered. IBM, one of the most respected names in IT innovation, published a study last September predicting the need to retrain up to 120m workers in the world's 12 largest economies. Why? Advances in AI and intelligent automation. Some 5,670 global executives in 48 countries participated in the study — and only 41 percent of the CEOs canvassed expressed confidence in having the right mix of people, skills and resources to achieve targets. IBM encourages modern professionals to sharpen their skills through a process of life-long learning. The company has created libraries of educational content, including courses that confer industry-recognised certification, podcasts, blog posts, articles, videos and tutorials. It partners with Global Training Providers to provide learning programmes that boost employee engagement and retention as well as productivity, efficiency and cost savings. Individual learners can seek training through approved providers, or create an IBM learner profile and begin a personalised learning journey. A subscription service opens up the catalogue for those who wish to explore content as interests or projects dictate — at a discounted rate. In March 2020, in response to the Covid-19 crisis, IBM announced it would be offering many of its educational programmes free-of-charge, enabling people around the world to future-proof their careers and emerge from the quarantine with in-demand skills. The CFI.co judging panel is pleased to present IBM, a repeat winner, with the 2020 global award for Outstanding Workforce Training.


Catalyst Partners: Best SME Growth Investment Partner MENA 2020

Founded in 2012, Catalyst Partners has forged a reputation as a truly innovative investment house. It partners with companies to help set strategic goals and channel capital for targeted growth. The aim is to be a one-stop-shop for SMEs and family business across the MENA region. The firm co-creates a vision and sets targets for transformation. Catalyst Partners monitors companies’ progress and fosters their development through capacity-building workshops in governance, accounting and strategic planning — crucial elements for SMEs seeking growth. An in-house investment banking team tailor capital-raising and financial advisory services to fuel the growth of its incubated partners and clients from a spectrum of industries. Catalyst Partners created an investment vehicle to support the agricultural industry, and a leasing programme to provide debt instruments to SMEs. The firm is driven by a dedicated team with decades of expertise in corporate finance, management consultancy and auditing. The team takes a holistic approach to helping partners to identify opportunities and develop their potential. Despite the slowing of global markets during the pandemic, Catalyst Partners has maintained positive momentum, and remote working has unlocked unexpected reserves of energy and efficiency. Catalyst anticipates an IPO launch within the next three years. The CFI.co judging panel commends Catalyst Partners, a repeat winner in the awards programme, for its steadfast mission to nurture entrepreneurial growth throughout the MENA region. The judges declare Catalyst Partners the winner of the 2020 award for Best SME Growth Investment Partner (MENA).


Tavistock Wealth: Best Investment Fund Manager UK 2020

Tavistock Investments is a purpose-driven UK financial services group with a rapid-paced growth trajectory. Founded in 2014, the firm has enjoyed a quick growth spurt fuelled by a decisive acquisition strategy and advisors with in-depth knowledge of target investment industries.

Protection is a core tenet at Tavistock: it is committed to protecting advisors, the network and its clients.

It deploys a team of 200 inhouse advisors as well as other independent financial advisors to serve more than 10,000 investors.

Its client base consists of mainly retirees, or people close to retirement, who are seeking investment solutions that give peace of mind. As such, Tavistock Wealth the fund management division of the group, apply actively managed cautious risk measures to fund management by currency hedging and volatility controlling the funds they offer.

Tavistock Wealth offers 10 investment portfolios, with simple, competitively priced annual management fees, managed by expert hands. They reduce risk by currency hedging most of the overseas exposure back to pounds Sterling.

They have launched three actively managed funds; the ACUMEN Capital Protection Portfolio, ACUMEN Income-Protection Portfolio and ACUMEN ESG Protection Portfolio with a mechanism to lock in market highs while limiting the lows. The protection portfolios are underpinned by Morgan Stanley, contractually guaranteeing the funds at 90 percent of the highest portfolio (NAV) value for the Capital Protection Portfolio & ESG Protection Portfolio and 85% protection for the Income-Protection Portfolio — with the level of protection increasing alongside any new portfolio highs.

The CFI.co judging panel applauds the approach, which offers inoculation against market volatility for the capital preservation of clients. The judges present Tavistock Wealth with the 2020 Best Investment Fund Manager (UK) award.


H&MV Engineering: Most Innovative Energy Services Provider Europe 2020

Founded in 1997, H&MV Engineering is a brand that powers businesses worldwide. The company deploys dedicated teams in Ireland, the UK, Europe, Asia and South Africa to provide a suite of energy services, including data centres, renewables, utilities and EV chargers. H&MV Engineering is a specialist of substation design and construction, boasting an inhouse team with a track record of successful project executions across sectors, from transmission and distribution to manufacturing and pharmaceuticals. H&MV Engineering is a young company with strong growth. It demonstrates early client engagement and a flexible, open-minded approach to project demands — and strives to always deliver. The company offers clients 24-hour support and accessibility. It is an early adopter of technology and invests in upgrades to stay ahead of the curve. H&MV Engineering has distinguished itself for the quality of its training programmes, which are accredited by City & Guilds and Engineers Ireland. H&MV runs training programmes in two live high-voltage substations in Limerick and Dublin, Ireland, where participants gain practical hands-on knowledge in a safe and supervised learning environment. The top-rated training academies are led by seasoned industry professionals with a wealth of expertise to share with substation engineers and operators. H&MV Engineering CEO PJ Flanagan began as the company’s first electrical apprentice just a year after its launch. Flanagan — who ranked among the 24 finalists of EY’s Entrepreneur of the Year in 2018 — has been instrumental in establishing H&MV as a global brand leader. For a company that exceeds expectations, the CFI.co judging panel declares H&MV Engineering as the 2020 Most Innovative Energy Services Provider (Europe) award winner.


CANPACK Group: Best Sustainable Packaging Solutions CEE 2020

The CANPACK story began in Poland over 30 years ago with the launch of its first line of aluminium products. Now it’s a global packaging leader and believed to be the number three aluminium beverage packaging player in Europe. The company holds sustainability as a core tenet of its operations. Aluminium — the mainstay of its product line — is a raw material with a long life and inexpensive supply. It’s one of most widely reused materials in the world; recycled aluminium needs 95 percent less energy to process than the metal’s production from bauxite ore, which is mined from rock. CANPACK believes aluminium to be an ideal resource for the circular economy, and has built its products around it. The company specialises in metal packaging for beverages and food, chemicals and cosmetics, aerosols and closures. CANPACK also offers glass products and other packaging-related solutions. The group has established itself as a leader in Central and Eastern Europe, with a growing presence in Western Europe, Asia, Africa, Latin America and, most recently, the announced entry into the US (the world’s largest market for aluminium beverage cans). A three-pillar framework details the company’s commitment to care for employees and communities, sustain the environment, and recycle responsibly. In times of crisis, CANPACK is a company that lends a helping hand to those in need. It has mobilised its volunteer programme to contribute to the battle against Covid-19 by providing 3D-printed face shields to medical and long-term care facilities. It has procured, produced, donated and delivered crucial personal protection and medical equipment to communities worldwide, as well as contributed funding and organised donation campaigns to support the fight. The CFI.co judging panel presents CANPACK Group with the 2020 award for Best Sustainable Packaging Solutions (CEE).


Masthaven Bank: Most Innovative Digital Retail Bank UK 2020

Masthaven Bank offers FSCS-protected, flexible, fixed-term savings and personalised, secured lending. Masthaven has been providing loans since 2004, and launched in 2016 as a retail bank with a digital focus and a personal touch. It has around 19,000 savings customers with an average retention rate of 70%. Masthaven delivers on its promise of straightforward, hassle-free financial products and friendly, customer-centric service. Knowledgeable specialists provide flexible and fixed-term savings accounts, first- and second-charge mortgages, bridging loans, and development finance. The bank’s easy digital onboarding process comes with online calculators to help clients custom-create savings accounts to their specifications, down to the day of maturity. Masthaven gives customers better control over their money, with fixed-term savings accounts for individuals and businesses in one-, two-, three- and five-year terms. For additional control Masthaven’s flexible terms for both individuals and businesses start at six months. All accounts are protected by the Financial Services Compensation Scheme, guaranteeing UK deposits up to £85,000. Masthaven works with professional intermediary partners to extend loans to people from all situations. It recently increased automated valuation modelling (AVM) for bridging finance and mortgage cases to support customers when physical property valuations were not possible due to lockdown measures. Masthaven’s culture of digital innovation boosted its rapid Covid-19 response, providing unbroken assistance to clients. The CFI.co judging panel presents Masthaven Bank with the 2020 award for Most Innovative Digital Retail Bank (UK).


Federated Hermes: Best Integrated ESG Investment Solutions Global 2020

Federated Hermes views the stewardship of client investments  as sacrosanct. The firm was rebranded after the majority-stake acquisition of Hermes Investment Management by Federated Investors, Inc,. It was a perfect match in terms of motivation: to make clients’ money work for them, while advocating for responsible investment practices. Listed on the NYSE, Federated Hermes aims to help clients ensure a comfortable retirement while supporting strong societal outcomes through its investment approach. Many factors, including strong engagement and a robust approach to ESG integration, form the roadmap for its sustainable investing approach. It actively engages with companies on  a range of topics including governance structures, supply chains and how companies advance their social license to operate. A dedicated, 1,900-strong workforce serves investors around the world, and each team member has signed a pledge to act with integrity, respect, and responsibility to clients. The Federated Hermes stewardship team engages with investee companies to ensure adherence to a range of benchmarks, with a special focus on environmental, governance and social issues. The firm collaborates with global thought-leaders and regional stakeholders to develop industry solutions that create concrete contributions to society. Federated Hermes is one of the fastest-growing asset managers in the world, with $628bn in AUM and over $1tn in assets under advisement as of June. The CFI.co judging panel congratulates Federated Hermes, winner of the 2020 award for Best Integrated ESG Investment Solutions (Global).