Better Health for All

The company's core financial services are considered to have a neutral direct health impact, though financial wellness programs are noted to indirectly reduce stress.

No revenue is derived from products with direct health impacts. The company offers low-cost or no-cost savings and checking products, including 14,179 no-cost retail checking accounts, representing 10% of total personal checking accounts. The company committed $1.075 billion in community development lending and investments, including affordable housing, and $700 million in mortgage lending to low- and moderate-income (LMI) and rural communities. It also committed $18 million in philanthropy to organizations supporting housing counseling, financial and economic inclusion, and workforce development. The company provides comprehensive healthcare, a gym reimbursement program, and mental health resources to all associates at no cost, including 24/7 access to clinicians. It also offers financial literacy programs, educating over 530 students at 20 schools in 2024, and provides financial literacy resources online. The company's products do not have addiction potential.

Fair Money & Economic Opportunity

First Financial Bank received an "Outstanding" Community Reinvestment Act (CRA) rating from the Federal Reserve Board for its performance from 2017-2020, indicating a spotless compliance record.

The bank exceeded its previous $1.7 billion Community Benefits Agreement (CBA) goal for 2018-2022, achieving $1.85 billion in loans, investments, and marketing. This represents approximately 18.7% of its $9.9 billion loan book as of March 31, 2021, demonstrating significant inclusion lending. During the 2017-2020 review period, approximately 30% of its banking centers were located in low- and moderate-income (LMI) communities, and over 50% of interactive teller machines were placed in LMI neighborhoods. The bank donated $11.9 million in philanthropy between 2018-2022. As of March 31, 2021, the company had $2.3 billion in shareholders' equity, meaning philanthropy was approximately 0.5% of equity. The bank also emphasized financial education programs and partnered with the National Underground Railroad Freedom Center for financial literacy, but no specific reach or outcome data is provided.

Fair Pay & Worker Respect

First Financial Bancorp reported a CEO pay ratio of 45:1 for the 2024 fiscal year.

The company's 2023 CSR Report indicates that the average female pay is 98.1% of the average male base pay, and the average pay of minority associates is 99.7% of the average non-minority associate pay. The employee engagement survey score was in the 94th percentile of the Gallup database in 2023, and 86% of employees reported satisfaction with FFB as a place to work. Voluntary employee turnover was 12.87% in 2023. Employee participation in the company-sponsored 401(k) plan was 92.4% in 2023, and 89% in 2022.

Honest & Fair Business

First Financial Bancorp has a formal whistleblower policy, revised in October 2022, which includes multiple reporting channels such as a hotline, email, web-based system, mail, mobile app, and online portal.

It offers anonymous reporting options and explicitly prohibits retaliation. However, there is no evidence of independent investigation processes, training frequency, uptake rates, or resolution times. The company also has an anti-corruption policy that ensures compliance with the FCPA, prohibits payments to foreign government officials, and requires CFO approval for such payments. However, there is no information on the frequency or effectiveness metrics of training for this policy.

Kind to Animals

First Financial Bancorp. is a financial institution, and its core business model does not involve activities related to animal welfare, such as animal testing, animal agriculture, or the use of animal-derived products. The company is listed by CrueltyFreeInvesting.org as having "No Animal Exploitation" as of 2023.

Therefore, all KPIs related to animal welfare practices are not applicable to its operations.

No War, No Weapons

The provided articles do not contain any specific, concrete data points or verifiable actions related to the company's involvement in arms contracts, dual-use technology, sales to embargoed regimes, peacebuilding investments, conflict divestment policies, board oversight of defense activities, export end-user certificates, lobbying on arms control, humanitarian procurement compliance, human rights due diligence in conflict areas, Arms Trade Treaty declarations, AI military safeguards, UN Guiding Principles alignment, dual-use item screening, surveillance transparency, ethical red lines, exposure to controversial weapons, war-risk audits, annual conflict partner reviews, defense divestment, conflict minerals, peace technology investment, procurement from conflict zones, or ethical red lines compliance.

While the company reports on general community benefits and philanthropy, these are not explicitly defined as peacebuilding or disarmament initiatives within the rubric's scope. Therefore, no KPIs can be scored based on the provided evidence.

Planet-Friendly Business

First Financial Bancorp reported total Scope 1 and location-based Scope 2 greenhouse gas emissions of 9,190.02 tCO₂e for 2023.

The company has partnered with hydroelectric and solar energy producers for green energy agreements covering most buildings. Energy Use Intensity (EUI) data shows that 52.3% of facilities have an EUI of 88.3 or lower. Four branches and the operations center have been renovated with energy-efficient HVAC systems, and LED lighting upgrades have been implemented in most branches and the operations center. The company participates in single-stream recycling and partners with a shredding company for paper recycling, avoiding 16,828 lbs of solid waste through recycling. Electronic signatures saved over 5,900 pounds of wood, 17,000 gallons of water, 13,900 pounds of carbon, and almost 1,000 pounds of waste.

Respect for Cultures & Communities

First Financial Bank has at least 11 formal partnerships, including a Community Benefits Agreement with the National Community Reinvestment Coalition and at least 10 member organizations, and a partnership with the National Underground Railroad Freedom Center.

The company has a commitment to direct a minimum of 25% of source-able vendor spend to diverse businesses (minority-owned, women-owned, disability-owned, and veteran-owned) by 2028. An advisory board exists where the National Community Reinvestment Coalition appoints 50% of the members. In 2021, 99% of associates completed diversity, equity, and inclusion training, and the company plans to offer implicit bias training to its associates. The company received an "Outstanding" rating from the Federal Reserve Board for its performance under the Community Reinvestment Act in 2021 and 2025. The company committed $18 million in philanthropy for 2024-2028, and pledged $875,239 to the United Way campaign in 2023. It also committed $1.075 billion in community development lending and investments for 2024-2028.

Safe & Smart Tech

No specific, concrete data points were found across the provided articles to assess FFBC.US against any of the 'Safe & Smart Tech' KPIs.

All articles were identified as placeholder content lacking relevant information for the company or the ethical value.