Better Health for All
0
Investec's core financial services products and activities have no direct significant positive or negative health impact. The company's fossil fuel exposure, as a percentage of loans and advances, was reduced to 1.06%, indicating minimal revenue from activities with negative health outcomes.
1
This also contributes to negligible health-harming externalities, further mitigated by an increase in renewables in its energy lending portfolio to 78.39% from 58.28% in 2024.
2
Many health-related KPIs, such as safety record, price accessibility, vulnerable reach, risk transparency, health innovation investment, health equity programs, healthcare workforce support, preventative health measures, healthcare data responsibility, global health crisis response, mental health initiatives, pharma patent flexibility, nutrition and food safety, healthcare education, addiction mitigation, and clinical trial ethics, are not applicable as they do not directly relate to Investec's core financial services business model or its public-facing health impact.
Fair Money & Economic Opportunity
0
No specific, quantifiable data points were found in the provided articles that directly correspond to the quantitative thresholds defined for any of the KPIs under the 'Fair Money & Economic Opportunity' ethical value. While the articles mention support for SMEs
1
, microfinance
2
, and broadening financial access
3
, they do not provide percentages of underserved clients, shares of loan books, pricing details, revenue from high-cost products, data accessibility features, regulatory compliance records, wealth-building outcomes, profit reinvestment figures, financial literacy program reach, debt burden ratios, geographic inclusion coverage, or product simplicity metrics as required by the rubric.
Fair Pay & Worker Respect
0
Investec plc's median hourly gender pay ratio was 0.848 in 2025, indicating women earned 84.8% of men's median hourly pay.
1
The Group Chief Executive pay ratio was 68.9 in 2025.
2
Employee reviews on platforms like Glassdoor indicate a generally positive work environment with a 3.9 out of 5-star rating.
3
Investec ensures all direct employees and on-site contractors in the UK are paid at least the UK Living Wage and, where applicable, the London Living Wage.
4
The company upholds the constitutional rights of all employees to freedom of association and collective bargaining.
5
Investec has an anti-discrimination policy and an incident notification mechanism in place as of 2024.
6
Fair Trade & Ethical Sourcing
0
As a financial services group, Investec PLC does not procure or trade physical commodities as a core business, leading to no material sourcing of at-risk inputs. No incident of modern slavery was reported or otherwise identified in 2024 for Rathbones, a part of Investec's Wealth & Investment segment.
1
Investec integrates environmental, social, and ethical considerations into its procurement policies and supplier codes of conduct.
2
Honest & Fair Business
10
Investec has not incurred any ethics-related regulatory fines in the past three years.
1
The company maintains strong anti-bribery and corruption policies, which explicitly prohibit bribes, facilitation payments, record falsification, and unethical engagements, supported by internal procedures and employee training programs.
2
Investec also has a comprehensive whistleblowing policy, last updated in February 2025, which includes an external, anonymous hotline provided by Navex, a web reporting portal, and direct contact details for regulatory bodies such as the FCA and PRA.
3
Concerns can be reported anonymously, either orally or in writing.
4
The company is required to report to the FCA on cases where a claimant successfully based their claim on detriment suffered as a result of making a protected disclosure.
5
While Investec has been implicated in the cum-ex tax fraud scandal, with the Cologne Public Prosecutor's Office investigating potential charges as of September 2024, no formal proceedings have been initiated.
6
Additionally, Investec has provisioned funds for potential liabilities arising from a UK auto finance business investigation by regulators.
7
An internal review concerning the cum-ex controversy, conducted by a UK law firm, raised questions about potential conflicts of interest due to the firm's prior associations.
8
Kind to Animals
0
Investec PLC partnered with the Hawk Conservancy Trust to support bird of prey conservation, funding the National Bird of Prey Hospital™ and conservation education.
1
This partnership led to the successful hatching of two Critically Endangered African White-backed Vulture chicks.
2
The company also supports biodiversity in South Africa
3
and joined the Partnership for Biodiversity Accounting Financials in March 2023 to measure and disclose its impact on biodiversity.
4
As a financial services group, the company's core business model does not involve animal-derived products, animal testing, or animal agriculture operations, rendering most other animal welfare KPIs not applicable.
No War, No Weapons
0
Investec, a financial services group, has established detailed Conflicts of Interest policies that emphasize ethical business practices, though these documents do not explicitly address military involvement.
1
The company has demonstrated a commitment to sustainable finance and peacebuilding by integrating the United Nations Sustainable Development Goal 16 (peace, justice, and strong institutions) into its operations.
2
In April 2022, Investec financed three Leonardo helicopters, which are dual-use models, but this specific financing was for non-military applications such as offshore transportation.
3
However, in 2018, Investec was implicated in the 'cum-ex' tax fraud scandal, with reports suggesting some transactions were linked to entities involved in military financing, raising concerns about indirect support for military activities.
4
Investec did not respond to these allegations, nor to separate allegations concerning complicity in Israeli war crimes.
5
Due to its nature as a financial services group, Investec does not develop or sell dual-use products, engage in technology development relevant to peace versus military technology investment, or have mineral inputs in its services.
Planet-Friendly Business
-30
Total Scope 1, 2, and 3 greenhouse gas emissions, including financed emissions, were 4.308 million tCO2e for the year ending March 2024 (Scope 1: 350 tCO2e, Scope 2: 937 tCO2e, operational Scope 3: 6,996 tCO2e, financed Scope 3: 4.3 million tCO2e).
1
The company is a member of the Net-Zero Banking Alliance (NZBA) with a commitment to net zero by 2050
2
and uses SBTi’s 1.5C methodology for its residential and commercial real estate and mortgage portfolios.
3
100% of Scope 2 energy is sourced from renewables using green tariffs and renewable energy certificates.
4
The company has maintained carbon neutrality for its Scope 1, 2, and operational Scope 3 emissions for seven consecutive years, using VCS certified carbon credits to offset residual emissions.
5
Its climate-related financial disclosures report is prepared in accordance with the recommendations of the TCFD,
6
and its strategy considers different climate-related scenarios, including a 2°C or lower scenario, using the Bank of England’s ‘2021 Climate Biennial Exploratory Scenario’ framework.
7
The company transparently discloses its fossil fuel exposure (1.07% of gross core loans and advances as of March 2025)
8
and coal exposure (0.05% as of March 2025).
9
It has implemented transition plans, including eliminating all coal exposures in Investec plc's loan book by September 2024 (ahead of a 2027 target)
10
and committing to zero thermal coal across the Group by March 2030,
11
and ceasing new oil and gas financing from January 2035.
12
Respect for Cultures & Communities
20
Investec has 11 formal partnership agreements with local community groups, including Guernsey Mind, Guernsey Society for the Protection of Cruelty to Animals, La Societe Guernesiaise, Jersey Mencap, Durrell Wildlife Conservation Trust, MacMillan Jersey, Grace Trust, The Children’s Centre (Isle of Man), The Conservation Volunteers, Arrival Education, and the Bromley by Bow Centre.
1
The company has no reported cultural appropriation incidents.
2
Investec supports La Societe Guernesiaise, which protects Guernsey’s historic buildings, and states it does not engage in activities that negatively impact UNESCO world heritage sites.
3
Safe & Smart Tech
0
Investec retains personal data for seven years, which is a long retention period, and collects sensitive personal information where relevant
1
. However, the company demonstrates strong regulatory compliance, adhering to numerous local and international standards including FSCS, POPIA, FICA, NCA, FATCA, GDPR, and IFRS
2
. The Prudential Regulation Authority (PRA) conducts regular assessments
3
, and internal and external auditors confirm no reportable irregularities
4
. AI is also used to automate regulatory reporting
5
. An information security training program achieved 81% staff completion
6
. All online systems are subjected to regular security assessments through development and in production
7
. Users have rights to access, correct, delete, object to processing, and withdraw consent for their personal information, with contact details and forms provided
8
. Investec uses username and password, two-factor authentication (2FA) via SMS OTP, mobile authorization messages, mobile device enrolment, and device pins
9
. Online banking logs out after 10 minutes of inactivity
10
and disables access after three incorrect login attempts
11
. The company regularly monitors and reviews the security of its sites, infrastructure, and IT controls
12
. Investec uses a VeriSign Class 3 Extended Validation secure certificate for its online banking and app
13
, which is hosted on a 128-bit encrypted server
14
. There are no documented incidents of unauthorized data use. The iPad application was designed to be immune to phishing attacks
15
, demonstrating privacy considerations in product development.
Zero Waste & Sustainable Products
-40
Investec has implemented waste reduction initiatives
1
, including an internal 'Team Green' group to encourage staff to reduce its environmental footprint
2
. The company also partners with The Felix Project and FareShare
3
, committing to deliver one million meals
4
and establishing food donation points in its London office
5
.