Commerzbank is a German bank headquartered in Frankfurt am Main, serving private, business and corporate clients; its roots go back to 1870.
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Commerzbank has cut emissions from its own banking operations 47% since 2021, but its financed emissions rose 24% in 2025 to about 92 MtCO2e. In 2025 it pushed its coal exit back to 2038 and loosened its gas rules. A German court ruled in 2022 that its subsidiary Commerz Real's klimaVest fund advertising was misleading.
Commerzbank scores 33/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Fees pay for the review, never the result. Last verified October 2026.
That places Commerzbank joint 566th of 883 companies scored, and joint 31st of 55 in Financial Services / Banking.
Where Commerzbank sits among financial services / banking peers.
Among the 55 major financial services / banking brands we've scored, Commerzbank is tied =31st of 55, with 2 others.
Its three lowest-scoring questions, and what the evidence didn't show.
Sector intensity falling but absolute financed emissions trajectory worsening.
2025 materiality assessment found no material circularity risk.
WWF Water Risk Filter analysis found no material water impacts in direct operations.
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 Carbon Footprint — Operations and Energy Source (8/10, 7/10). Weakest on Emissions Trajectory and Resource Use & Waste (3/10, 4/10).
The 3 companies in the sector scoring nearest above Commerzbank.
A Union of Concerned Scientists letter, citing Banking on Climate Chaos, calls Citi the second-largest fossil-fuel financier since the Paris Agreement.
See the breakdown →Banking on Climate Chaos ranks Bank of America the second-largest fossil-fuel financier, with $47.3 billion in 2025, and it removed its coal and Arctic financing bans in 2023.
See the breakdown →Legal & General discloses carbon targets and renewable energy progress but relies on intensity metrics for its largest climate impact—financed emissions.
See the breakdown →The formula and all 18 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale18 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
Commerzbank's financed emissions (about 92 MtCO2e in 2025, Scope 3 Category 15) are the bank's own stated PCAF figure, from pages 68 and 72 of its Group Sustainability Report 2025. They set the size deduction.
11 of 18 sources are independent of the company.
“external review with limited assurance of the disclosures made.”
“Our environmental management system has been certified to ISO 14001 since 2009”
“Commerzbank also acquires CO₂ certificates and retires them”
“Since 2015 Commerzbank AG is operating climate-neutrally in Germany and since 2021 on a worldwide basis.”
“Commerzbank AG commits to reduce absolute scope 1 and scope 2 GHG”
“Disclosures (TCFD) and the Taskforce on Nature-related Financial”
“Commerzbank conducts a comprehensive materiality analysis for biodiversity risks annually since 2022.”
“Allein die Deutsche Bank, ING, die Commerzbank und UniCredit haben im Untersuchungszeitraum über 92 %”
“Commerzbank and Santander have had policies excluding coal finance since 2022, but a loophole means that the policies only apply to new customers”
“Commerzbank is linked to a number of companies and projects that BankTrack considers”
“Scope 1 and Scope 2 emissions (market-related) of 42% by 2030 and 90% by 2040 compared to the base year 2021”
“already around 85 per cent of the financed emissions are covered by the Bank”
“Commerzbank AG has a company-wide target to consume 100% of electricity from renewable sources by 2025 from a baseline of 92.94%”
“Das Landgericht Stuttgart hat einer Klage der Verbraucherzentrale Baden-Württemberg entsprochen”
If you believe a source has been misread or a newer version exists, submit a challenge.
Commerzbank is a German bank headquartered in Frankfurt am Main, serving private, business and corporate clients; its roots go back to 1870. It had about 40,800 employees and €12.2 billion revenues in 2025.
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