Metro Bank sustainability score: 35/100
Better than 57% of Financial Services / Banking
Making progress starts at 46. The highest score on SINK is 71.
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Metro Bank is a UK retail and commercial bank with high-street stores and digital banking for personal and business customers. Its listed parent, Metro Bank Holdings PLC, reported £593.3 million of total income for 2025, with about 2,859 employees.
Founded 2022Head office London, United KingdomStaff ~2,859 (2025)Revenue £593.3 million total income (bank headline income line; year ended 31 December 2025; 2024: £405.3 million). Net interest income £460.3 millionWebsite ↗
Metro Bank reports Scope 1, 2 and 3 emissions, including financed emissions for its mortgage lending, and says its Scope 1 and 2 are 92% below 2019. But its financed emissions leave out commercial and SME lending, its figures are not assured, and its targets are not SBTi-validated. Which? found no exposure to fossil fuel industries.
Metro Bank scores 35/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Nobody can pay to change a score, speed it up or hide it. Last verified November 2026.
That places Metro Bank joint 633rd of 1,118 companies scored, and joint 27th of 70 in Financial Services / Banking.
What is Metro Bank doing well, and where does it fall short?
Strongest on Controversies & Red Flags and Carbon Footprint: Operations (7/10, 6/10). Weakest on Nature & Biodiversity Impact and Resource Use & Waste (3/10, 3/10).
Where Metro Bank lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
What would raise this score
- Its effect on natureAssess its effect on nature and publish a basic environmental policy.
- How it uses materials and handles wasteShow active waste reduction, reuse or repair.
- Its effect on waterMonitor its water use and take measures to reduce it.
Every question that lost points
- Emissions from its own operations6/10Its own emissions aren't independently verified or tracked over several years.
- Emissions from its supply chain5/10Most of its supply-chain (Scope 3) emissions aren't measured.
- Whether its emissions are falling6/10No consistent fall over several years across its operations and supply chain.
- How clean its energy is6/10Less than 90% of its energy shown to be renewable.
- Its effect on nature3/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste3/10No active waste reduction, reuse or repair shown.
- Its effect on water3/10No monitoring of water use, or no measures to reduce it.
- Its climate targets4/10Its targets aren't science-based or committed to the Science Based Targets initiative.
- How openly it reports6/10No annual impact report, or no pay linked to climate targets.
- 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.
How is Metro Bank's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleWhat evidence is Metro Bank's score based on?
9 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
22% of them were published by Metro Bank itself; the rest come from independent sources.
Metro Bank's financed emissions (27,388 tCO2e) cover its residential mortgage and buy-to-let lending only; its commercial and SME lending is not measured, so the score uses SINK's conservative 0.70x multiplier.
“Scope 1 emissions 272 122 469 179 336 67 319”
“Partnership for Carbon Accounting Financials (PCAF) methodology to work out the emissions arising from our residential mortgage portfolio”
“including its emissions from its lending and investments”
“appeared to be on the right track, with either limited or no exposure to the fossil fuel industries”
“Does not lend to businesses involved in metal ore and coal mining, oil and gas extraction, fossil fuel power or deforestation.”
“The company receives a top rating in the Environmental Report criterion, as the company displays clear environmental targets for future progress.”
“Metro Bank’s multimillion-pound fine today makes it the second digital challenger bank in the UK to be fined over lax anti-money laundering controls”
“imposed a £16.7 million fine on Metro Bank for significant anti-money laundering (AML) failings”
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How does Metro Bank compare with other financial services / banking companies?
Where Metro Bank sits among financial services / banking peers.
Among the 70 major financial services / banking brands we've scored, Metro Bank is tied =27th of 70, with 4 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above Metro Bank.
Santander operates strong renewable energy and operational emissions reductions but masks systematic financed emissions weakness.
See the breakdown →UBS cut its own operational emissions 48% since 2023 and reports financed emissions of 10.4 MtCO2e under PCAF, covering about 61% of its lending.
See the breakdown →Revolut measures emissions but publishes no absolute figures, sets no targets, and discloses no trajectory despite rapid growth doubling headcount and revenue.
See the breakdown →Which companies moved this week, and why.
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