I welcome the publication of Clal Insurance and Finance’s third Corporate Responsibility (ESG) report.
This report reflects our continuous commitment to responsible, stable and transparent management, during which significant business achievements are intertwined with real contributions to the environment, society and the community.
Over the past two years, the State of Israel had to be exceptionally resilient in the face of the war’s challenges. Throughout this period, and even now, Clal Insurance and Finance is presenting substantial achievements and stands steadfast with its employees, customers and the communities in which it operates. The Company’s emotional, financial and social resilience relies on the dedication of its employees, who work responsibly and in solidarity on a daily basis and especially in times of emergency.
I would like to thank the Company’s management headed by our CEO, Yoram Naveh, and our employees for the professionalism, commitment and dedication they demonstrate every day.
On behalf of the Board of Directors, we are committed to continuing to ensure Clal’s stability, to lead it to long-term growth and to provide lasting value to all of our stakeholders.
Haim Samet, Chairman
Clal Insurance Enterprises Holdings Ltd.
Message from our CEO
Clal Insurance and Finance’s Corporate Responsibility (ESG) Report for 2023-2024 reflects our strategy for integrating stable business growth with social, environmental and moral responsibilities.
The past few years have been characterized by outstanding business achievements –expanded revenue sources, growth in our insurance and credit operations, growth in our assets under management, continuous improvement in profitability and resumption of dividend distributions to our shareholders after more than a decade. In May 2025, Clal joined the Tel Aviv Stock Exchange’s TA-35 Index. These achievements demonstrate that we successfully implemented our strategy for positioning Clal as a diversified, stable and leading financial holding company.
At the same time, we are cognizant of the fact that a company’s strength is not measured only by its financial results, but also by its commitment to ESG values. We invest considerable resources in implementing responsible investment management, promoting advanced digital services for customers and agents, developing our human capital and strengthening our social engagement.
Values of stability, relevance and compassion guide each of our decisions and constitute the foundation for the public’s trust in Clal Insurance and Finance.
We will continue to leverage business growth and deepen our leadership in the insurance, investment and credit sectors, while reinforcing the Group’s positioning as a leading player in the Israeli financial market. We are also committed to conducting ourselves with national responsibility – to ensure financial stability for our customers, agents and employees and to be partners in maintaining the resilience of Israeli society.
During the last two years of the unprecedented challenges of the war, Clal Insurance and Finance mobilized to provide extensive support to Israeli society through donations, employee volunteering and a dedicated fund at the volume of ILS 10 million to assist customers who were harmed.
We believe that emotional, health and financial resilience are an integral part of our responsibilities to our stakeholders, both routinely and in emergencies.
The extent at which Clal Insurance and Finance reflects Israeli society as a whole was exemplified even more during the war. Also within our Company itself, we suffered the painful loss of dear employees, alongside employees who lost immediate family members and relatives and employees who were forced to evacuate their homes.
We are overjoyed about the return of all of our living hostages, including Guy Gilboa Dalal, the son of our employee, Ilan Dalal. We are all still waiting for the speedy return of Ran Gvili, OBM, and stand by his family. This difficult period further strengthened our commitment to conduct ourselves with national responsibility, to vigorously maintain financial stability and to continue supporting the emotional, health and social resilience of the general public.
I would like to thank our employees and agents for their dedication, professionalism and contributions to the Company’s success.
Together, we will continue to take action to ensure the stability of Clal Insurance and Finance and the prosperity of Israel’s economy and to strengthen social and community resilience.
Yoram Naveh, CEO
Clal Insurance and Finance