Financial Services / Banking

Coutts sustainability score: 22/100

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About Coutts

Coutts is a UK private bank and wealth manager headquartered in London, part of NatWest Group. It earns its income from lending to clients, client fees and investment management, and its staff are seconded from NatWest Bank.

More about Coutts

Coutts & Company was incorporated in 1892. It had about 2,343 staff on secondment and £990 million total income in 2025.

Founded 1892Head office London, UKStaff ~2,343 FTE seconded from NatWest Bank (end 2025)Revenue ~£990M total income (FY2025)Website ↗

Our verdict

Coutts publishes no emissions figures of its own and no figure for the emissions it finances: its climate reporting sits with NatWest Group, which does not count for Coutts here. Its only portfolio target is to halve the carbon intensity of the funds it manages by 2030, and in 2025 it dropped its portfolio-alignment goal. Its investment exclusions cover coal and some oil and gas, but only above a 10% revenue threshold.

Coutts scores 22/100 (Significant gaps) on SINK's independent climate assessment, scored from public data only. Scores are free. Companies can never pay for anything about their own score. Last verified November 2026.

That places Coutts joint 870th of 934 companies scored, and joint 55th of 59 in Financial Services / Banking.

The ten questions

What is Coutts doing well, and where does it fall short?

Strongest on Controversies & Red Flags and Transparency & Accountability (7/10, 4/10). Weakest on Carbon Footprint: Supply Chain and Emissions Trajectory (1/10, 1/10).

What's missing

Where Coutts lost points

For each question that lost points, the evidence our public rubric looks for that we didn't find.

  • Emissions from its own operations2/10No emissions figures for its own operations, not even an estimate from energy bills.
  • Emissions from its supply chain1/10No assessment of where its supply-chain emissions come from.
  • Whether its emissions are falling1/10No evidence its emissions are falling, not even from energy bills or mileage.
  • How clean its energy is1/10No renewable energy tariff or major efficiency investment shown.
  • Its effect on nature2/10No assessment of its effect on nature, and no basic environmental policy.
  • How it uses materials and handles waste1/10No recycling or waste reduction shown.
  • Its effect on water2/10No monitoring of water use, or no measures to reduce it.
  • Its climate targets3/10No specific targets with dates.
  • How openly it reports4/10No dedicated sustainability role, board oversight or public report.
  • Its record on controversies7/10Points deducted for controversies or its business model. The finding is under question 10.

A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.

The calculation

How is Coutts's SINK score calculated?

Same ten questions for every company. No private weighting.

SINK = (0.3 × Base + 0.7 × Performance) × Scale
Industry base impact
Financial Services / Banking sector ceiling.
50 / 100
Performance score
Sum of the ten questions, each scored 0 to 10.
24 / 100
Raw score
Weighted average before scale penalty.
(0.3 × 50) + (0.7 × 24) = 31.8
Scale penalty
Multiplier based on total emissions. Bigger polluters lose more.
× 0.7
Financed emissions
Banks and insurers that don't publish the emissions of the lending, investment or insurance they finance get a size multiplier of no more than 0.70×. This company publishes no such figure, so the 0.70× floor applies.
Not published (0.70× floor)
Final score
Rounded. Significant gaps.
22 / 100
Where the evidence comes from

What evidence is Coutts's score based on?

16 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.

25% of them were published by Coutts itself; the rest come from independent sources.

12 of 16 sources are independent of the company.

[1]Public record
Coutts & Company: Full Accounts and Directors' Report — Year to 31 December 2025

“had seconded 2,343”

2025
Q1Q2Q3Q9
View →
[2]Self-reported
Coutts Responsible Investing Policy (July 2026)

“Managed Assets by 50% by 2030 against a 2019 baseline”

2026
Q2Q5Q8
View →
[3]Independent source
CorpComms Magazine: Coutts Now Starts with B (Spring 2023)

“while NatWest has a target to achieve Net Zero for its operations, Coutts does not”

2023
Q1Q4Q9Q10
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[4]Third-party verified
B Lab Certified: Coutts & Company Profile

“Air & Climate 4.6”

Ongoing
Q4Q5Q6Q7Q9
View →
[5]Self-reported
Coutts B Corp Certification Statement

“covering everything from employee wellbeing and governance to community engagement and environmental impact”

2021
Q6Q9
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[6]Independent source
Net Zero Asset Managers Initiative: Member List

“Coutts & Co joined the Net Zero Asset Managers Initiative on 20 April 2021”

Ongoing
Q8
View →
[7]Independent source
Raconteur: Does Coutts B Corp Status Signal a More Sustainable Future for the Financial Sector?

“at least half of the properties bought using its mortgages have an energy performance certificate rating of at least C by 2030”

Unknown
Q8
View →
[8]Self-reported
Coutts Responsible Lending

“at least half of our mortgage portfolio to achieve an EPC energy efficiency rating of C or above by 2030”

Ongoing
Q8
View →
[9]Independent source
Ethical Consumer: NatWest Group Company Profile

“The NatWest Group continues to finance fossil fuel development.”

Ongoing
Q10
View →
[10]Self-reported
Coutts Responsible Investing

“Our ESG principles are underpinned by the rigorous environmental, social and ethical risk framework of NatWest Group”

Ongoing
Q10
View →
[11]
find-and-update.company-information.service.gov.uk

“Full accounts made up to 31 December 2025”

Q1
View →
[12]
wealthbriefing.com

“has become a Certified B Corporation, a title showing that it balances financial results while protecting the environment”

Q9
View →
[13]
cityam.com

“Coutts will help its very wealthy customers assess their own carbon emissions and purchase carbon credits to offset their footprint”

Q10
View →
[14]
insights.howardkennedy.com

“Coutts is said to be due for recertification next year”

Q10
View →
[15]
privatebankerinternational.com

“Coutts is the largest private bank and wealth manager in the UK to be granted B Corp status.”

Q10
View →
[16]
paminsight.com

“Coutts do not have specific green funds, instead sustainability is integrated into its whole investment proposition.”

Q10
View →

If you believe a source has been misread or a newer version exists, submit a challenge.

For Coutts

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    Coutts: SINK sustainability score 22/100.

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Coutts in context

How does Coutts compare with other financial services / banking companies?

Where Coutts sits among financial services / banking peers.

Among the 59 major financial services / banking brands we've scored, Coutts is tied =55th of 59, with 1 other.

=55/59
Coutts's rank
36
Industry average
20
Industry low
65
Industry high
See all 59 in Financial Services / Banking →
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