TSB Bank is a UK retail and digital banking group founded in 2013, headquartered in Edinburgh.
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TSB shows basic operational carbon management but critical gaps in financed emissions disclosure and supply chain accountability. The bank claims SBTi alignment but hasn't validated targets in four years. Biodiversity and nature risk are entirely absent from strategy. A £36B lending book with no quantified Scope 3 reporting is indefensible.
TSB Bank scores 41/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Fees pay for the review, never the result. Last verified May 2026.
That places TSB Bank joint 343rd of 847 companies scored, and joint 13th of 51 in Financial Services / Banking.
Where TSB Bank sits among financial services / banking peers.
Among the 51 major financial services / banking brands we've scored, TSB Bank is tied =13th of 51, with 1 other.
Its three lowest-scoring questions, and what the evidence didn't show.
No biodiversity policy, TNFD disclosure, or nature risk assessment found.
TSB formed supplier partnerships (IBM, ISS, Communisis) in 2021 but no Scope 3 or financed emissions data is publicly disclosed.
No water consumption data, footprint reporting, or management policy found.
A score changes when the evidence does. We use new published evidence at the next rescore. Evidence that isn't public can count through an evidence review.
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Get in touch →Strongest on Energy Source and Controversies & Red Flags (6/10, 6/10). Weakest on Nature & Biodiversity Impact and Carbon Footprint — Supply Chain (2/10, 3/10).
The 3 companies in the sector scoring nearest above TSB Bank.
Halifax's parent, Lloyds Banking Group, reports comprehensive operational emissions and 100% renewable electricity, but financed emissions dwarf these efforts at 32.8 MtCO2e.
See the breakdown →Schroders has decarbonised operations rapidly—56% Scope 1 cuts since 2019, 100% renewable electricity achieved—but its core financed-emissions footprint remains unabated.
See the breakdown →Starling Bank reports low operational emissions but excludes financed emissions entirely—the material impact for any lender.
See the breakdown →The formula and all 5 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale5 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
This company's public sustainability disclosure is limited. This score is based on the 5 verified sources cited below, rather than padded to a standard count.
Limited data coverage. This assessment is based on 5 sources, 80% of which are self-reported by the company. Scores may change as independent evidence becomes available.
If you believe a source has been misread or a newer version exists, submit a challenge.
TSB Bank is a UK retail and digital banking group founded in 2013, headquartered in Edinburgh. It serves personal and business customers with deposits, mortgages, and lending products. As a mid-sized challenger bank without investment banking operations, its direct environmental footprint is lower than universal banks, but its £36B mortgage portfolio carries significant financed emissions exposure.
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