Climate Change Data

Environmental Metrics

ESG Focus Areas

• Community Development
• Financial Literacy
• Affordable Housing
• Environmental Sustainability
• Historic Preservation
• Veteran Support
• Diversity & Inclusion

Environmental Achievements

• Recycled 75% of construction waste at Wintrust Bank – Mayfair.
• Upgraded 90% of bank drive-ups, 75% of exterior lights, and 30% of bank offices with LED lights.
• Installed geothermal energy system in company headquarters and new HVAC systems in additional headquarters buildings.

Social Achievements

• Provided $15,170,000 in donations to 2,494 organizations.
• Offered 1,260 Money Smart seminars and workshops to 14,684 attendees.
• Made more than 1,500 loans totaling over $240 million for affordable housing.
• Partnered with organizations like Habitat for Humanity, Chicago Debates, and the Chicago Fire Department Foundation.
• Launched “Fabric of Our Footprint” series to educate employees on cultural sensitivities.
• Supported the Ignatian Promise Scholarship Initiative at Marquette University.

Governance Achievements

• 14 of 15 charters received an “outstanding” CRA rating.
• Formed three new business resource groups (Career Navigation, Leadership Coalition, and Multicultural Professionals Network).
• 125 employees completed the Intercultural Competence Development program.

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Sourcing construction materials locally with low environmental impact, high recycled content, or rapid renewability.

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: LEED Gold (Wintrust Bank – Mayfair)

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Chicago Tribune Top Workplace (six years in a row)
• JD Power & Associates “Highest in Customer Satisfaction with Retail Banking in the Midwest”

Environmental Metrics

ESG Focus Areas

• Sustainability
• Diversity & Inclusion
• Small Business Empowerment & Support
• Community Outreach
• Governance and Corporate Ethics

Environmental Achievements

• 4.3% reduction in electric energy from January 2020 to January 2021
• 75% reduction in kilowatt-hour rate from January 2020 to January 2021
• Upgraded air filtration systems across the organization
• Installation of 9,115 solar panels at Grayslake High School District 127, reducing greenhouse gases by a projected 2,542 metric tons annually

Social Achievements

• Recognized Juneteenth as a floating cultural holiday
• $24,758 raised through Juneteenth employee donation matching program
• Added 80 hours of COVID-19 sick pay for employees
• Contracted with a company to offer back-up childcare benefits
• More than $1.8 million in mortgages in African American, low-to-moderate income communities from July 2020 to January 2021
• More than $16,000 in down payment assistance grants awarded from July 2020 to January 2021
• Launched a scholarship program offering $2,500 for two consecutive years for finance and accounting majors who are Chicago residents

Governance Achievements

• Implemented a variety of corporate governance policies and procedures
• Annual election of Directors
• Regular Board self-evaluation process
• Stock ownership guidelines for Directors and named executive officers
• Independent Board committees
• Majority vote standard for election of our Directors
• Independent Chairman of the Board
• Prohibition on hedging, short selling regarding our common stock
• No shareholder rights plan (poison pill)
• Robust role for the Board in risk oversight

Climate Goals & Targets

Environmental Challenges

• COVID-19 pandemic and its impact on business operations and community needs
• Civil unrest following the death of George Floyd
• Economic struggles faced by many across the United States

Mitigation Strategies

• Shifted 80% of employees to remote work
• Implemented health attestations and safety protocols
• Distributed personal protective equipment
• Implemented more extensive cleaning services
• Upgraded air filtration systems
• Adjusted employee benefits (added sick pay and backup childcare)
• Developed a work from home newsletter
• Implemented an online system for appointment setting
• Mobilized employees across departments to support PPP loan processing
• Established resource centers to assist businesses with PPP applications

Supply Chain Management

Climate-Related Risks & Opportunities

Awards & Recognition

• Chicago Tribune Top Workplace (7 years)

Environmental Metrics

ESG Focus Areas

• Employee Engagement
• Affordable Housing
• Community Investment
• Environmental Sustainability
• Diversity & Inclusion
• Small Business Support

Environmental Achievements

• 40% year-over-year decrease in GHG emissions at the Rosemont, Illinois corporate campus (due to return to normal HVAC operations after 2020 COVID-19 precautions)

Social Achievements

• Over $334M funded in affordable homeowner mortgages in Illinois and Wisconsin
• Over $10.2M in philanthropic donations and 1,550+ nonprofits supported
• Over 1,500 hours of financial education training provided by Wintrust volunteers
• Over 20,000 volunteer hours contributed by employees for CRA activities
• One of Chicago Tribune’s Top Workplaces among Large Employers (eight years running)
• One of the Salt Lake Tribune’s Top Workplaces among Medium-sized Businesses (first time)
• One of the Milwaukee Journal Sentinel’s Top Workplaces in Milwaukee and Southeast Wisconsin

Governance Achievements

• 14 of 15 banks have an “outstanding” CRA rating

Climate Goals & Targets

Supply Chain Management

Climate-Related Risks & Opportunities

Awards & Recognition

• Wolters Kluwer Community Impact Award
• LGBT Chamber of Commerce Illinois Corporate Partner of the Year

Environmental Metrics

ESG Focus Areas

• Governance & Ethics
• Environment
• Diversity, Equity & Inclusion
• Small Businesses
• Financial Health
• Homeownership
• Our Communities

Environmental Achievements

• Installed six new electric vehicle charging stations at the Rosemont corporate campus.
• Pursued energy-efficient measures in new construction projects (high-efficiency HVAC, LED lighting, lighting sensors).
• Reduced paper use by encouraging electronic statements.
• Expanded recycling programs at facilities.
• Rosemont campus utilizes geothermal energy and participates in a demand response program.

Social Achievements

• Raised minimum wage to $18/hour.
• Expanded business resource groups.
• Designed new advocacy and mentorship programs.
• Donated over $15.4 million to over 1,900 nonprofits.
• Provided over 1,600 hours of financial education training.
• 13 of 15 banks received an “outstanding” Community Reinvestment Act (CRA) rating.
• Over 20,000 volunteer hours contributed by employees for CRA activities.
• Funded $107M in affordable homeowner mortgages.
• Originated 11,600+ residential mortgages totaling $3.7B.
• Provided $155M across 204 SBA loans.
• Launched a Teen Banking Club.

Governance Achievements

• Created an ESG Committee to assess climate risk.
• Developed a scalable approach to operationalize affirmative action plans.
• Combined anti-discrimination and fair banking policies under a new Fair and Responsible Banking Policy.
• Implemented additional controls for wire transfers to Russia following sanctions.
• Implemented a robust cybersecurity program.

Climate Goals & Targets

Environmental Challenges

• Gaining an accurate understanding of climate-related risks due to the distributed nature of the business.
• Increasing cybersecurity threats.

Mitigation Strategies

• Extended information gathering process (ESG questionnaires, data integrity reviews).
• Leveraged Winning at Wintrust program to examine ESG risks and opportunities in loan portfolio.
• Prioritized streamlining NAICS data to better understand potential exposure to environmental and climate-related risks.
• Developed and implemented a robust cybersecurity program.
• Partnered with third parties and vendors for best-in-class cybersecurity technologies.
• Supported security awareness through employee education and awareness events.
• 24/7 Security Operations Center to detect, analyze, and mitigate threats.

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Intensified and more frequent natural disasters (flooding, hurricanes, tornadoes, wildfires)
• Longer-term climate shifts (sea level rise, extreme heat)

Transition Risks

• Changes in consumer preferences
• Additional regulatory requirements
• Operating costs
• Reputational damage

Reporting Standards

Frameworks Used: Sustainability Accounting Standards Board (SASB)

Awards & Recognition

• American Bankers Association Community Commitment Award for Economic Inclusion
• Illinois Association of Park Districts Best Friend of Illinois Parks Award
• Greenwich Excellence Awards
• 2023 recipient of the 10th Annual Award for Leadership in Science and Education

Environmental Metrics

ESG Focus Areas

• Community Reinvestment
• Diversity, Equity & Inclusion
• Environmental Sustainability
• Governance & Ethics
• Employee Well-being

Environmental Achievements

• Estimated baseline Scope 1 and 2 emissions data across the entire network for the first time.
• Nearly 17% decrease in emissions at the corporate campus since 2021.

Social Achievements

• Launched a new mentorship program to increase employee connections.
• Provided more than 3,000 hours of financial education training.
• Donated more than $15 million in philanthropic contributions.
• Employees contributed more than 27,000 volunteer hours for CRA activities.
• Funded more than $207 million in affordable homeowner mortgages in Illinois and Wisconsin.
• Originated 8,700+ residential mortgages totaling $2.5B.

Governance Achievements

• Established an ESG Committee to evaluate practices and climate-related risks and opportunities.
• Developed Wintrust’s first ESG Policy.
• More than 85% of WTFC directors are independent.

Climate Goals & Targets

Environmental Challenges

• Climate change impacts (physical and transition risks)
• Cybersecurity threats

Mitigation Strategies

• ESG Committee evaluating climate-related risks and opportunities; development of ESG policy and risk management strategies.
• Robust cybersecurity program with investments in technology, employee education, and a 24/7 Security Operations Center.

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Severe weather (flooding, hurricanes, tornadoes, wildfires)
• Sea level rise
• Extreme heat

Transition Risks

• Regulatory changes
• Increased operating costs
• Reputational risks

Opportunities

• Climate-friendly investing

Reporting Standards

Frameworks Used: SASB

Awards & Recognition

• American Bankers Association Outstanding Overall DEI Program Award