ING sustainability score: 32/100
Better than 32% of Financial Services / Banking
Making progress starts at 46. The highest score on SINK is 71.
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.
Founded 1991Head office Amsterdam, NetherlandsStaff ~64,298 (2025)Revenue ~€23.0B total income (FY2025)Website ↗
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. Scores are free. Nobody can pay to change a score, speed it up or hide it. Last verified October 2026.
That places ING joint 658th of 1,023 companies scored, and joint 36th of 61 in Financial Services / Banking.
What is ING doing well, and where does it fall short?
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).
Where ING 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
- 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.
- Whether its emissions are fallingShow a year-on-year fall in its total 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 chain5/10Most 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 nature4/10Its effect on nature isn't measured or independently verified.
- 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 targets7/10No validated long-term net zero target.
- 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 ING's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleHas ING's score changed?
ING's score has been reviewed 2 times and currently stands where it started, at 32.
- 32 → 3227 October 2026
Initial public score 32 (publish-draft)
- Scored 3227 October 2026
Initial public score 32 (publish-draft)
What evidence is ING's score based on?
16 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
38% of them were published by ING itself; the rest come from independent sources.
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.”
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How does ING compare with other financial services / banking companies?
Where ING sits among financial services / banking peers.
Among the 61 major financial services / banking brands we've scored, ING is tied =36th of 61, with 6 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above ING.
Jupiter's financed emissions rose 48% year-on-year to 26.2 MtCO2e while operational emissions fell marginally.
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 →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 →Which companies moved this week, and why.
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