Lloyds has solid operational decarbonisation and renewable energy credentials, but its financed emissions—33 MtCO₂e annually—dwarf these gains. A 3.1:1 fossil fuel to green financing ratio, £16B in fossil fuel lending 2016-2023, and a December 2024 ASA greenwashing ban expose a bank financing climate destruction while reporting progress.
Same formula for every company. No curve. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleStrongest on Carbon Footprint — Operations and Energy Source (8/10, 8/10). Weakest on Controversies & Red Flags and Resource Use & Waste (4/10, 4/10).
14 sources used in this assessment. All publicly available. Each row shows which rubric questions it informed.
11 of 14 sources are third-party verified or public record.
If you believe a source has been misread or a newer version exists, submit a challenge.
Among the 29 major financial services / banking brands we've scored, Lloyds Banking Group sits 19th of 29.
Score history begins 8 February 2026.
As Lloyds Banking Group's score updates, the trajectory will appear here.
We're backfilling historical scores for FTSE 100 and S&P 100 companies over the coming weeks.
Every challenge is published. We'd rather be corrected than wrong — that's the whole point.
No challenges submitted yet. If you have evidence that contradicts this score, you can challenge any question above — cite a public source and we'll review it.
Lloyds Banking Group is a major UK retail and commercial bank formed in 2009, offering mortgages, savings, insurance, and investment services. It operates across the UK with 75,306 employees and is a systemically important financial institution whose lending decisions shape energy transition outcomes.
Peer UK bank with comparable greenwashing complaints and fossil fuel financing exposure under scrutiny
View breakdown →Peer UK bank; HSBC co-chairs Deforestation Workstream with Lloyds but faces similar financed emissions criticism
View breakdown →Peer UK retail bank; comparable scale and fossil fuel financing profile; subject to similar climate accountability pressure
View breakdown →Global systemically important bank; faces identical tension between renewable energy targets and massive financed emissions
View breakdown →Email alerts when a rubric question is verified, a challenge is resolved, or the overall score changes.
One email, every Sunday. Score changes, new research, the stories behind the numbers. Free.
No spam. Unsubscribe in one click.
Readers and institutions support our work. Companies can pay to submit evidence we couldn't find. Neither type of payment changes a score.