Grupo Cajamar sustainability score: 40/100
Grupo Cajamar is a Spanish cooperative banking group, headquartered in Almería, with a large agricultural lending book; its parent bank, Banco de Crédito Social Cooperativo, was incorporated in 2014, and its roots are in Cajamar Caja Rural. 6 billion gross margin in 2025.
Founded 2014Head office Almería, SpainStaff ~6,247 (2025)Revenue ~€1.6B gross margin (FY2025)Website ↗
Grupo Cajamar's financed emissions rose 8.6% in 2025 to 12.4 MtCO2e as its lending grew. Its own small footprint is verified, and its electricity has been renewable since 2015, partly from its own solar plants. Its net-zero 2050 goal has no SBTi validation, its sector targets are mostly intensity-based, and it offsets its operational footprint.
Grupo Cajamar scores 40/100 (Below expectations) 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 October 2026.
That places Grupo Cajamar joint 398th of 900 companies scored, and joint 16th of 56 in Financial Services / Banking.
What is Grupo Cajamar doing well, and where does it fall short?
Strongest on Carbon Footprint — Operations and Energy Source (8/10, 8/10). Weakest on Emissions Trajectory and Resource Use & Waste (3/10, 4/10).
Where Grupo Cajamar lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
- Emissions from its own operations8/10No verified figures published with their method and a falling trend.
- Emissions from its supply chain6/10No full value-chain map or supplier engagement programme.
- Whether its emissions are falling3/10No evidence its emissions are falling, not even from energy bills or mileage.
- How clean its energy is8/10Its own operations aren't shown to run on 100% renewable energy.
- Its effect on nature5/10Its effect on nature isn't measured or independently verified.
- How it uses materials and handles waste4/10No measurable waste or recycling targets reported publicly.
- Its effect on water5/10No measured water footprint with reduction targets.
- Its climate targets5/10Its targets aren't science-based or committed to the Science Based Targets initiative.
- How openly it reports8/10No mission-locked structure, such as B Corp certification.
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.
How is Grupo Cajamar's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleWhat evidence is Grupo Cajamar's score based on?
13 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
31% of them were published by Grupo Cajamar itself; the rest come from independent sources.
Grupo Cajamar's financed emissions (about 12.4 MtCO2e in 2025) are the group's own stated PCAF figure, from pages 65 and 70 of its 2025 sustainability report. They set the size deduction.
9 of 13 sources are independent of the company.
“compensación de 4.171 t CO e”
“an estimation of financed emissions has been carried out in accordance with the Partnership for Carbon Accounting (PCAF) methodology”
“actividades financiadas y relación con su cadena de valor”
“la eficiencia en el uso del agua, el impulso del sector”
“otras orientadas a la transparencia y gestión de la huella de carbono”
“Grupo Cooperativo Cajamar”
“generarán anualmente más de 17.000 megavatios hora”
“En diciembre 2024, Grupo Cooperativo Cajamar publica su primer informe.”
“se comprometen a identificar y difundir sus impactos y dependencias de la biodiversidad”
“hasta los 42.130 millones”
“En 2025 hemos completado nuestra hoja de ruta de descarbonización en la huella financiada fijando”
“por su transparencia corporativa y desempeño en materia de cambio climático”
If you believe a source has been misread or a newer version exists, submit a challenge.
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How does Grupo Cajamar compare with other financial services / banking companies?
Where Grupo Cajamar sits among financial services / banking peers.
Among the 56 major financial services / banking brands we've scored, Grupo Cajamar is tied =16th of 56, with 3 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above Grupo Cajamar.
Starling Bank reports low operational emissions but excludes financed emissions entirely—the material impact for any lender.
See the breakdown →ICG has delivered measurable operational decarbonisation—85% Scope 1+2 reduction, SBTi-validated targets, 100% renewable electricity—but material financed emissions lack absolute quantification.
See the breakdown →TSB shows basic operational carbon management but critical gaps in financed emissions disclosure and supply chain accountability.
See the breakdown →Which companies moved this week, and why.
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