Lloyds Banking Group scores 38/100 (Below expectations) on SINK's independent climate assessment — scored from public data only, no company payment can change a number. Last verified May 2026.
That places Lloyds Banking Group joint 399th of 809 companies scored, and 21st of 46 in Financial Services / Banking.
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.
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Same ten questions for every company. 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).
13 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.
Where Lloyds Banking Group sits among financial services / banking peers.
Among the 46 major financial services / banking brands we've scored, Lloyds Banking Group sits 21st of 46.
Lloyds Banking Group's score has been reviewed 2 times and currently stands where it started, at 38.
v2.5.7 financed-emissions rule applied retroactively (record last scored before the rule): scale 0.7 -> 0.7, score 38 -> 38. No question marks changed.
Initial score at platform launch
This score is not currently being contested.
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
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