TBC Bank sustainability score: 40/100
Better than 66% of Financial Services / Banking
Making progress starts at 46. The highest score on SINK is 71.
TBC Bank Group is the London-listed holding company of TBC Bank, a Georgian bank, with retail, corporate and digital banking in Georgia and Uzbekistan. It reported GEL 3.39 billion of total operating income for 2025.
Founded 2016Head office GeorgiaRevenue GEL 3,390M total operating income (FY2025; headline income line, bank)Website ↗
TBC Bank Group publishes Scope 1 and 2 emissions with reasonable assurance and reports PCAF-basis financed emissions, though mostly at the lowest data-quality scores. Its own Scope 1 and 2 rose from 5,182 t in 2023 to 5,996 t in 2025, its targets are not SBTi-validated, and its net-zero date for its own operations has moved from 2025 to 2030. No biodiversity assessment or supplier engagement programme was found.
TBC Bank scores 40/100 (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 TBC Bank joint 434th of 1,043 companies scored, and joint 18th of 62 in Financial Services / Banking.
What is TBC Bank doing well, and where does it fall short?
Strongest on Carbon Footprint: Operations and Controversies & Red Flags (8/10, 8/10). Weakest on Emissions Trajectory and Nature & Biodiversity Impact (1/10, 3/10).
Where TBC 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
- Whether its emissions are fallingShow its emissions are falling.
- Its effect on natureAssess its effect on nature and publish a basic environmental policy.
- Its climate targetsSet specific targets with dates.
Every question that lost points
- 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 falling1/10No evidence its emissions are falling.
- How clean its energy is4/10Less than half its energy shown to be renewable, or no transition plan.
- Its effect on nature3/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste4/10No measurable waste or recycling targets reported publicly.
- Its effect on water4/10No measured water footprint with reduction targets.
- Its climate targets3/10No specific targets with dates.
- How openly it reports7/10No annual impact report, or no pay linked to climate targets.
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 TBC Bank's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleWhat evidence is TBC Bank's score based on?
8 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
13% of them were published by TBC Bank itself; the rest come from independent sources.
“In 2025, TBC's market based Scope 2 emissions amounted to 2,570 tCO2eq”
“currently about 50% of TBC’s 1 billion GEL portfolio has been screened for ES compliance”
“financing under a risk-sharing facility with TBC Bank for the development, construction and operation of Nakra, Khelra, and Ipari hydropower plants”
“in the amount of GEL 250,000 (two hundred and fifty thousand)”
“The commercial bank was fined for violating financial consumer protection requirements”
“We aspire to make our direct environmental impact net zero by 2025”
If you believe a source has been misread or a newer version exists, submit a challenge.
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How does TBC Bank compare with other financial services / banking companies?
Where TBC Bank sits among financial services / banking peers.
Among the 62 major financial services / banking brands we've scored, TBC Bank is tied =18th of 62, with 4 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above TBC Bank.
Lloyds reports material financed emissions (18.6 MtCO2e) and owns a 36% reduction since 2018, but relies heavily on estimated data, supply-chain emissions are rising, and an ASA ban for misleading climate advertising exposes credibility gaps.
See the breakdown →Schroders has decarbonised operations rapidly—56% Scope 1 cuts since 2019, 100% renewable electricity achieved—but its core financed-emissions footprint remains unabated.
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 →Which companies moved this week, and why.
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