Better Health for All

WesBanco's core banking services are generally health-neutral. The company's New Markets Loan Program provided approximately $6 million in loans in 2024 for medical and veterinary offices.

During the COVID-19 pandemic, WesBanco offered 90-day payment relief to affected borrowers, including healthcare professionals and emergency responders, and adjusted branch operations to protect health and safety. WesBanco's Community Development Corporation (CDC) established a $350,000 grant pool to support non-profit organizations impacted by COVID-19. The company's goal is to promote community-driven investments and fund businesses providing critical social services to low-income residents. WesBanco Bank received an "Outstanding" Community Reinvestment Act (CRA) rating from the FDIC for the period July 2019 through November 2022, marking its eighth consecutive "Outstanding" rating over more than twenty years. WesBanco CDC provides financial counseling to businesses through workshops addressing management and human resources. For data responsibility, WesBanco regularly works with third parties to assess and certify security systems, implements new information security tools, and participates in periodic information security testing. WesBanco Bank employees participate annually in the American Bankers Association’s "Teach Children to Save," "Get Smart about Credit," and "Safe Banking for Seniors" initiatives, and the company partners with the national America Saves initiative, receiving its Designation of Savings Excellence for the past 10 years.

Fair Money & Economic Opportunity

WesBanco has received an "Outstanding" rating for Community Reinvestment Act (CRA) performance for eight consecutive years, spanning over two decades.

However, the company is facing a class action lawsuit alleging unfair overdraft and insufficient funds (NSF) fee practices, specifically charging multiple NSF fees for the same transaction and overdraft fees on accounts that were not overdrawn. The company's community development lending totaled $1,906,373,000 cumulatively from 2018-2022, which includes loans for affordable housing, community services, revitalization, job creation, and small business support. During the same period, it provided over 7,900 homeownership loans to low/moderate-income individuals and over 17,900 small business loans. The CRA Freedom Loan Program provides $20,000,000 in funding annually. The company offers basic financial information on its website but does not provide details on structured financial literacy programs or their reach and outcomes. WesBanco has reduced its financial center footprint by over 20% since December 31, 2018.

Fair Trade & Ethical Sourcing

WesBanco, Inc. is a financial services company and does not procure or trade physical commodities, which are the primary focus of the Fair Trade & Ethical Sourcing value. The provided articles, including the 2023 and 2024 Sustainability Reports, explicitly state that no specific data related to fair trade & ethical sourcing, forced child labor, traceability, remediation speed, ethical clause coverage, materials risk index, or supplier diversity spend is provided.

Therefore, KPIs related to commodity sourcing and associated supply chain practices are marked as N/A. For supplier diversity spend, no specific data was provided, leading to its omission.

Honest & Fair Business

WesBanco maintains a whistleblower program allowing anonymous concerns via online or phone, without fear of retaliation.

The Chief Audit Executive monitors submitted alerts and reports their status to the Audit Committee quarterly. The company's Code of Business Conduct and Ethics, which 100% of employees completed and acknowledged in 2023, prohibits unlawful payments and references the Foreign Corrupt Practices Act. WesBanco uses a third-party company to administer its customer complaint or employee concern form and partners with a third-party for carbon accounting and sustainability management. The Enterprise Risk Management Committee of the Board has four of five directors considered independent, and all Audit Committee members are independent. However, the company's overall impact is rated F at 14.1, placing it in the bottom 10% of all companies and 81st out of 81 industry peers.

Kind to Animals

WesBanco, Inc. is a bank holding company providing financial services. Its core business model does not involve activities such as product manufacturing, animal testing, animal agriculture, or the sourcing of animal-derived ingredients.

Therefore, all KPIs related to cruelty-free certification, animal testing, humane operations, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal agriculture ethics, and animal-free R&D collaboration are not applicable to the company's operations. While the company reports on environmental stewardship, there is no specific data on measurable biodiversity impact from conservation initiatives or engagement in animal welfare policy.

Planet-Friendly Business

The provided articles do not contain specific, quantitative data points for any of the 'Planet-Friendly Business' KPIs. Multiple articles explicitly state that data for various environmental metrics, such as Scope 1, 2, and 3 emissions, SBTi targets, renewable energy use, water use, waste diversion, and TCFD alignment, is not disclosed or not present.

While energy-efficient practices like LED lighting conversions in 30% of facilities and a 20% reduction in financial center footprint are mentioned, these do not directly map to the quantitative thresholds of the provided KPIs, which require data on renewable energy *sourcing* or specific emissions figures. Therefore, all KPIs must be omitted due to a lack of explicit evidence.

Respect for Cultures & Communities

WesBanco engaged 40 diverse vendors providing services.

In 2023, over 99% of employees completed Diversity & Inclusion training, and over 99% completed all required training.

Safe & Smart Tech

The company provides required security awareness training to all employees.

Vulnerability management processes are in place, including a third-party risk management program, an incident response team, and tabletop exercises. Security testing is conducted, which includes evaluation of third-party providers, threat intelligence, and incident response. The company focuses on compliance with regulatory requirements and utilizes NIST and CIS best practices.

Zero Waste & Sustainable Products

WesBanco has implemented several waste reduction initiatives, including the elimination of non-recyclable and non-environmentally friendly supplies from employee break areas, and an increase in the usage of "green" office supplies to 36% of total supplies, up from less than 1% in 2019.

The company also purchases exclusively recycled printer toner and recycles depleted toner cartridges. Additionally, WesBanco has reduced its financial center footprint by more than 25% since December 31, 2018, with new financial centers having approximately 50% less square footage compared to legacy facilities. The company has not reported any waste disposal violations in the past three years.