TSB Bank sustainability score: 41/100
Limited independent evidence: only two independent sources cover this company. The score may change as more evidence appears.
TSB Bank is a UK retail and digital banking group founded in 2013, headquartered in Edinburgh. It serves personal and business customers with deposits, mortgages, and lending products.
More about TSB Bank
As a mid-sized challenger bank without investment banking operations, its direct environmental footprint is lower than universal banks, but its £36B mortgage portfolio carries significant financed emissions exposure.
Founded 2013Head office Edinburgh, United KingdomStaff ~4,900Revenue ~£1.1BWebsite ↗
TSB shows basic operational carbon management but critical gaps in financed emissions disclosure and supply chain accountability. The bank claims SBTi alignment but hasn't validated targets in four years. Biodiversity and nature risk are entirely absent from strategy. A £36B lending book with no quantified Scope 3 reporting is indefensible.
TSB Bank scores 41/100 (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 May 2026.
That places TSB Bank joint 384th of 934 companies scored, and joint 15th of 59 in Financial Services / Banking.
Limited evidence. This score rests on 5 sources, 80% of them published by the company itself. Every source cited here passed the same quality checks as any other score: all live, none from data aggregators. There is simply less of it.
What is TSB Bank doing well, and where does it fall short?
Strongest on Energy Source and Controversies & Red Flags (6/10, 6/10). Weakest on Nature & Biodiversity Impact and Carbon Footprint: Supply Chain (2/10, 3/10).
Where TSB Bank lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
- Emissions from its own operations5/10No full Scope 1 and 2 figures worked out to the GHG Protocol.
- Emissions from its supply chain3/10No assessment of where its supply-chain emissions come from.
- Whether its emissions are falling4/10No evidence of a year-on-year fall in its total emissions.
- How clean its energy is6/10Less than 90% of its energy shown to be renewable.
- Its effect on nature2/10No 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 water3/10No 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 controversies6/10Points 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 TSB Bank's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleWhat evidence is TSB Bank's score based on?
5 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
80% of them were published by TSB Bank itself; the rest come from independent sources.
Scored on 6 April 2026 under an earlier version of our method. We're re-checking it under the current method.
This company's public sustainability disclosure is limited. This score is based on the 5 verified sources cited below, rather than padded to a standard count.
Limited data coverage. This assessment is based on 5 sources, 80% of which are self-reported by the company. Scores may change as independent evidence becomes available.
If you believe a source has been misread or a newer version exists, submit a challenge.
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How does TSB Bank compare with other financial services / banking companies?
Where TSB Bank sits among financial services / banking peers.
Among the 59 major financial services / banking brands we've scored, TSB Bank is tied =15th of 59, with 1 other.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above TSB 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 →Starling Bank reports low operational emissions but excludes financed emissions entirely—the material impact for any lender.
See the breakdown →Which companies moved this week, and why.
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