Citi sustainability score: 34/100
Better than 48% of Financial Services / Banking
Making progress starts at 46. The highest score on SINK is 71.
Citigroup is a global bank headquartered in New York, working in institutional banking, US consumer banking, wealth management and securities services. Incorporated in 1988 (its roots go back to 1812), it had about 226,000 employees and $85.2 billion in FY2025 revenue.
Founded 1988Head office New York, NY, United StatesStaff ~226,000 (FY2025)Revenue $85,225M revenues (FY2025)Website ↗
A Union of Concerned Scientists letter, citing Banking on Climate Chaos, calls Citi the second-largest fossil-fuel financier since the Paris Agreement. Citi publishes financed emissions for ten sectors but no portfolio-wide total, and has set no facilitated-emissions targets. Its operational emissions fell on a location basis but rose on a market basis, and it left the Net-Zero Banking Alliance at the end of 2024 while saying it remains committed to net zero.
Citi scores 34/100 (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 October 2026.
That places Citi joint 598th of 1,023 companies scored, and joint 28th of 61 in Financial Services / Banking.
What is Citi doing well, and where does it fall short?
Strongest on Carbon Footprint: Operations and Transparency & Accountability (8/10, 7/10). Weakest on Controversies & Red Flags and Nature & Biodiversity Impact (2/10, 3/10).
Where Citi 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 record on controversiesDeal with the findings under question 10, in public.
- Its effect on natureAssess its effect on nature and publish a basic environmental policy.
- Emissions from its supply chainMeasure most of its supply-chain (Scope 3) emissions.
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 chain4/10Most of its supply-chain (Scope 3) emissions aren't measured.
- 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 nature3/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste5/10No measurable waste or recycling targets reported publicly.
- Its effect on water5/10No measured water footprint with reduction targets.
- Its climate targets4/10Its targets aren't science-based or committed to the Science Based Targets initiative.
- How openly it reports7/10No annual impact report, or no pay linked to climate targets.
- Its record on controversies2/10Points 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 Citi's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleHas Citi's score changed?
Citi's score has moved from 32 to 34 across 3 recorded reviews, up 2 points.
- 32 → 34+219 October 2026
Fortune 50 re-score on methodology v2.5.17 (retail-bank Q10 exclusion only with a PCAF total); financed-emissions 0.70x floor shown
- 32 → 3214 October 2026
Founded-year rule, score unchanged. founded 1998 -> 1988: Restated Certificate of Incorporation of Citigroup Inc. (Exhibit 3.1 to FY2025 10-K), "the date of filing of its original Certificate of Incorporation with the Delaware Secretary of State is March 8, 1988", filed as Commercial Credit Group, Inc. (https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/citi-exh31x12312025.htm). The 1998 Citicorp merger was into this existing corporation, not a new company. Roots 1812 per FY2025 10-K overview ("Citigroup's history dates back to the founding of the City Bank of New York in 1812"; https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm).
- Scored 324 April 2026
Initial score at platform launch
What evidence is Citi's score based on?
9 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
33% of them were published by Citi itself; the rest come from independent sources.
“Citi obtained limited assurance over 2025 Scope 1 and 2 GHG emissions”
“At December 31, 2025, Citi had approximately 226,000 full-time employees”
“In 2024, we calculated absolute financed emissions for ten portfolios”
“Citi has still not set targets for reducing facilitated emissions.”
“In a statement, Citigroup reiterated its commitment to achieving net-zero emissions but said it was leaving the NZBA.”
“Citi is the second-largest financier of fossil fuels since the adoption of the Paris Climate Agreement, having poured $396 billion into the industry since 2016.”
“Citi and Bank of America Torpedo Net Zero for their New Year”
If you believe a source has been misread or a newer version exists, submit a challenge.
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How does Citi compare with other financial services / banking companies?
Where Citi sits among financial services / banking peers.
Among the 61 major financial services / banking brands we've scored, Citi is tied =28th of 61, with 4 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above Citi.
Barclays operates with operational emissions under control but finances fossil fuels at scale—$34–35bn annually—undercutting climate commitments.
See the breakdown →Octopus Group does not publish the emissions it finances on the standard PCAF basis, so the financial-sector size deduction applies; the figure it gives, about 242,000 tCO2e, halved mainly because £2.8 billion of funds moved to another manager.
See the breakdown →M&G manages £375.9B in assets while holding £1.5B in coal exposure and material fossil-fuel investments.
See the breakdown →Which companies moved this week, and why.
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