International Bancshares Corporation.
IBOC.US | Other monetary intermediation
International Bancshares Corporation is a financial holding company. It operates through its subsidiary, International Bank of Commerce (IBC), which provides commercial banking services. These services include accepting deposits, making commercial, retail, and personal loans, and offering other fina...Show More
Better Health for All
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The company's core business, financial services, has no significant direct positive or negative health impact. The company has made donations to health-related causes, including $11 million to MD Anderson for cancer research since 2016, and $2 million in endowments for health promotion research and related fields in 2024.
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These donations, while positive, represent a very small fraction of the company's total assets, which were $16.1 billion in 2022.
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For example, the $4 million raised in 2024 for MD Anderson represents approximately 0.025% of $16.1 billion in assets, falling below the 1% threshold for health innovation investment.
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The company's support for a physician training program at MD Anderson and endowed professorships for future medical students, nurses, and public health professionals constitutes basic support for the healthcare workforce and limited healthcare education.
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There is no evidence of the company's direct involvement in health equity programs, preventative health measures, or other health-related activities beyond the indirect impact of its donations to research and education institutions. The company does not engage in activities related to health data, global health crises, mental health, pharmaceutical patents, nutrition, addiction, or clinical trials.
Fair Money & Economic Opportunity
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No specific, quantitative evidence was found in the provided articles to assess IBOC.US against any of the KPIs for Fair Money & Economic Opportunity. The articles primarily focus on general financial performance or explicitly state a lack of data relevant to the requested metrics.
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Information on the number of facilities and communities served does not specify the percentage located in underserved areas.
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Fair Pay & Worker Respect
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In the 2024 fiscal year, the CEO's total compensation was 63 times the median employee compensation.
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Employee engagement, based on 743 Glassdoor reviews, averaged 3.45 out of 5.
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Additionally, no substantiated labor-law or human-rights violations were mentioned in the provided articles.
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Fair Trade & Ethical Sourcing
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No evidence available to assess International Bancshares Corporation on Fair Trade & Ethical Sourcing.
Honest & Fair Business
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International Bancshares Corporation (IBC) has a detailed whistleblower protection policy, revised in November 2018.
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This policy includes a fraud hotline (1-800-894-6076) and email/mail options for confidential and anonymous reporting of suspected securities law violations, accounting, auditing, and consumer financial product/service issues.
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It outlines investigation procedures and protection against retaliation, but there is no evidence provided regarding the independence of these investigation processes.
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The company's code of ethics explicitly addresses anti-corruption and bribery, including compliance with the FCPA.
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It also details permissible 'facilitating payments' in foreign countries, requiring pre-authorization, but there is no information on the frequency or effectiveness of training for this policy.
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Kind to Animals
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International Bancshares Corporation (IBOC.US) is a financial holding company providing commercial banking services. The provided articles focus on its financial performance, leadership, and carbon footprint, or discuss general banking practices in Australia. None of the articles contain specific, concrete data points or explicit statements regarding IBOC.US's involvement in animal testing, animal agriculture, use of animal-derived ingredients, or any animal welfare initiatives. Therefore, no assessment can be made against the 'Kind to Animals' KPIs based on the available evidence.
No War, No Weapons
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No specific, concrete data points or factual evidence related to the 'No War, No Weapons' ethical value were found in the provided articles. The articles primarily consist of a general code of ethics and links to corporate governance documents, none of which contain quantitative data, specific actions, or outcomes relevant to the defined KPIs such as revenue from arms contracts, dual-use technology, sales to embargoed regimes, or peacebuilding investments.
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Therefore, all KPIs are omitted due to lack of evidence.
Planet-Friendly Business
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No evidence available to assess International Bancshares Corporation on Planet-Friendly Business.
Respect for Cultures & Communities
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The provided articles exclusively detail the operations, financial performance, and labor relations of Tesla. No information or specific data points relevant to IBOC.US or its performance regarding the 'Respect for Cultures & Communities' ethical value are present in any of the provided evidence.
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Therefore, no KPIs can be scored for IBOC.US.
Safe & Smart Tech
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The company has no documented data breaches.
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It states it will never sell, rent, or distribute personal data or make it public without consent, and there are no documented incidents of unauthorized data use.
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For user data control, new customers have 30 days to limit information sharing, and while users can unsubscribe from email newsletters or request removal/erasure of personal information, the IBC Card Controls App periodically collects geolocation information if expressly authorized.
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In authentication security, the company is implementing enhanced security measures for internet-based financial services by requesting additional information beyond User ID and Password (single-factor authentication) to validate authorized users, implying a baseline reliance on single-factor authentication.
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For data minimization, the company states data is a liability and should only be collected and processed when absolutely necessary, but also mentions a 30-day opt-out for new customers to limit information sharing.
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In regulatory compliance, IBOC maintains 98.7% regulatory compliance across its operational segments, with 3 total regulatory violations in 2022.
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Its compliance system covers 12 distinct regulatory frameworks with 99.2% comprehensive monitoring, including 99.6% for Anti-Money Laundering, 99.4% for Bank Secrecy Act, and 98.9% for Dodd-Frank Compliance.
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The website is designed to comply with EU GDPR 2018 and CCPA 2018.
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Regarding AI ethics governance, AI-driven customer service interfaces are mentioned as a key technological feature, but there is no formal AI ethics policy or oversight mechanisms described.
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The company's annual cybersecurity spending is $22.3 million, which is not provided as a percentage of revenue or compared to industry peers.
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Employees receive 42 annual risk management training hours, and employees are trained in the proper handling of personal information.
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SMTP servers are protected by TLS (SSL), meaning email content is encrypted before being sent across the internet, which is a standard practice.
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For privacy by design, the website is designed to comply with GDPR and CCPA, but there is no broader evidence of privacy principles integrated throughout the product development lifecycle.
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Zero Waste & Sustainable Products
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No specific, concrete data points were found in the provided articles for International Bancshares Corporation (IBOC.US) that directly relate to the quantitative KPIs under the 'Zero Waste & Sustainable Products' ethical value. Information regarding 'IBCs' (Intermediate Bulk Containers) and associated waste metrics was determined to refer to a different entity than the financial institution IBOC.US. While one article mentioned energy savings equivalent to recycling 311 tons of waste,
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this figure represents an absolute quantity and not a percentage-based waste diversion rate, which is required by the rubric's KPI.