Ethical finance — Q3 guide
Quarterly overview: how Co-operative Bank screens investments, supports communities and advances green lending across the UK.
Our principles
We use clear environmental, social and governance (ESG) criteria when assessing lending and investments. Our approach balances impact with risk and long-term resilience.
- Transparency in reporting and decisions
- Prioritise community and social value
- Exclude high-risk sectors inconsistent with our values
Updated Q3 — framework reviewed and aligned with UK regulatory expectations.
Screening process
We screen proposals through environment and human-rights filters, then score projects on measurable outcomes.
Stakeholder review
Independent advisory panels, including community representatives, provide qualitative input to decisions.
Ongoing monitoring
Active monitoring and annual impact statements ensure commitments are met and adapted where necessary.
Investment focus — Q3 highlights
Each area is governed by measurable targets and regular third-party verification where applicable.
Case studies — Q3 successes
Community solar co-op
Financing allowed local residents to own and benefit from rooftop solar on public buildings.
Affordable retrofit programme
A retrofit loan programme reduced energy bills for social housing tenants and cut emissions.
Local enterprise fund
Small grants and matched lending supported social enterprises creating local employment.
How we measure impact
Our impact framework uses quantitative and qualitative indicators, independently audited where possible. Typical KPIs include carbon saved (tCO2e), number of affordable homes created, and local employment figures.
- Quarterly reporting to stakeholders
- Independent verifications for larger projects
- Public impact summaries published online
For detailed methodology, see our data and privacy policies.
Get involved
If you represent a community project or social enterprise, please reach out to our specialist team.
Contact specialist teamExplore banking products