ING is a Dutch bank headquartered in Amsterdam, serving retail and wholesale clients across Europe and beyond; ING Groep N.V. was established in 1991, and its roots go back to the 18th century.
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ING's own operations emit little and are falling, but its financed emissions rose to about 230 MtCO2e in 2025, with clients' Scope 3 up 24%. Its SBTi-validated targets cover most of its lending, though they are mainly intensity targets. Banking on Climate Chaos regularly ranks ING among the largest fossil-fuel financiers, and Milieudefensie's climate case against it is pending.
ING scores 32/100 (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 ING joint 585th of 883 companies scored, and joint 34th of 55 in Financial Services / Banking.
Where ING sits among financial services / banking peers.
Among the 55 major financial services / banking brands we've scored, ING is tied =34th of 55, with 4 others.
Its three lowest-scoring questions, and what the evidence didn't show.
No operational waste, materials metrics or circularity targets found.
No current water consumption figures or water targets found.
Financed emissions rose: client Scope 3 up 24% to 186,488 kt; Scope 1+2 up 3% to 43,503 kt (2025).
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 Controversies & Red Flags (8/10, 8/10). Weakest on Resource Use & Waste and Water Impact (3/10, 3/10).
The 3 companies in the sector scoring nearest above ING.
SJP's emissions are rising sharply across Scope 3 (up 603% since 2016), its 2025 net zero operations target has failed, and multi-year trajectory data is corrupted by perimeter re-baselining.
See the breakdown →Commerzbank has cut emissions from its own banking operations 47% since 2021, but its financed emissions rose 24% in 2025 to about 92 MtCO2e.
See the breakdown →Jupiter's financed emissions rose 48% year-on-year to 26.2 MtCO2e while operational emissions fell marginally.
See the breakdown →ING's score has been reviewed 2 times and currently stands where it started, at 32.
Initial public score 32 (publish-draft)
Initial public score 32 (publish-draft)
The formula and all 16 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale16 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
ING's financed emissions (about 230 MtCO2e in 2025: 43,503 kt clients' Scope 1 and 2 plus 186,488 kt clients' Scope 3) are the bank's own stated PCAF figures, from page 125 of its 2025 Annual Report. They set the size deduction.
10 of 16 sources are independent of the company.
“travel) was 44kt of CO 2 emissions, representing a reduction of 5kt (2024:”
“Our methodology and calculations regarding the scope 1, 2 and 3 emissions currently within our operational boundary and inventory, are in line with guidance provided by the GHG Protocol.”
“ING’s portfolio targets cover 63% of its total investment and lending by financed”
“We partner with EcoVadis and other rating providers to monitor the social and environmental performance of our key suppliers.”
“we still finance more things that aren’t green”
“this decline was largely due to companies drawing less on existing facilities”
“a significant share of our financing continues to be linked to activities that place pressure on nature”
“Es gibt kein quantitatives Biodiversitätsziel für das Kredit- und Finanzierungsportfolio.”
“Circularity is a fundamental element in ING’s integrated climate approach.”
“which consistently finds ING among the largest financiers of fossil fuels in the world”
“Milieudefensie started legal proceedings at the Court in Amsterdam against ING by serving the writ of”
“Milieudefensie v. ING Group and ING Bank”
“have been officially validated by the Science Based Targets initiative (SBTi)”
“Greenpeace, Milieudefensie, Oxfam Novib and BankTrack filed a joint complaint against ING over the bank's continued investment in fossil fuels.”
If you believe a source has been misread or a newer version exists, submit a challenge.
ING is a Dutch bank headquartered in Amsterdam, serving retail and wholesale clients across Europe and beyond; ING Groep N.V. was established in 1991, and its roots go back to the 18th century. It had about 64,300 employees and €23 billion total income in 2025.
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