Sustainable banking

Environmental dimension

Bankinter maintains a firm commitment to addressing its environmental management by assuming the challenge and responsibility to operate in the most environmentallyfriendly way, taking the necessary measures to mitigate its direct and indirect environmental impact in accordance with the precautionary principle.

To do so, the Bank bases its actions on the principle of prevention, analysing and managing its main environmental risks throughout its value chain, both those directly related to the buildings where its staff works and those indirectly arising from its activities. Its Environmental Policy is aimed at enhancing the positive impacts and minimising the negative effects of its activity on the environment.

The Sustainability area, together with the Bank's Sustainability Committee, is responsible for overseeing compliance with the policy's principles and ensuring its commitment to protecting the environment.


To ensure compliance with the principles contained in its environmental policy, and as such with continuous improvement of its environmental performance, Bankinter has implemented an Environmental Management System which has been certified in accordance with the UNE-EN ISO 14001 standard, in the Bank's major Madrid centres, the head office on Paseo de la Castellana, Tres Cantos, Alcobendas 12 and 14, Barcelona main branch, Bilbao main branch, Valencia main branch and in the Sustainable branch.

Environmental Management System Certification (in Spanish)

Strategy for climate change

As a financial entity concerned with, and committed to, fighting climate change and the deterioration of natural capital, Bankinter has undertaken the challenge to create a corporate climate change and natural capital strategy. Bankinter has been working on a strategy to identify and mitigate risks associated with climate change and support initiatives in favour of fairer and more sustainable social and environmental development for people and the planet.

This strategy has a risk and opportunities analysis for the banking and finance sector in order to meet the challenge of transforming society and transitioning the current economic and production model to a new production model in line with sustainable development targets and the international agenda for ecological transition. Bankinter has already joined other entities that have voiced their support for the recommendations of the Task Force on Climate-Related Financial Disclosures, in order to include climate change within its management of risks and opportunities.

The Climate Change and Natural Capital Strategy focuses on:

Climate commitment

Contributing to the transition towards a sustainable economy to help adapt to and mitigate the effects of climate change.

Bankinter is a member of the Net Zero Banking Alliance initiative with the aim of achieving carbon neutral emissions by 2050.

Business opportunities

Expand operations relating to sustainable finances, by creating products related to all the bank's areas of activity (savings, investment, credit, management and/or payment products).

Risk management

Full integration of climate change risk management into the risk management model, design of a decarbonisation roadmap for investment and financing portfolios.
Decarbonization Strategy 2025-2030

Stakeholder engagement

Involvement of all stakeholders in the collective commitment to action on climate change.

Carbon Footprint Management

Bankinter controls the emissions of CO2 and other greenhouse gases deriving from its activity by calculating its overall carbon footprint, with a view to be able to take the necessary measures to mitigate its contribution to climate change.

Bankinter has been calculating its carbon footprint since 2007. With this global analysis of emissions (direct, indirect and induced), the Bank is preparing ahead of time for the initiatives of the European Commission and the Spanish government in their proposals that companies should report emission data beyond Scope 1 (direct emissions).

The environmental footprint is calculated and verified annually by an independent certifying agency in accordance with the UNE EN ISO 14064 carbon footprint standard.

The Bank has also calculated the carbon footprint associated with the use of channels of communication, with a view to promoting the use of the most eco-efficient channels.

Informes y declaraciones
Name Link to document
Carbon footprint report 2022 Bankinter España (in Spanish) See document See document
GHG emissions Statement 2022 Bankinter España (in Spanish) See document See document
Informe de Huella de Carbono 2022 Bankinter Portugal (portugués) See document See document
GHG emissions Statement 2022 Bankinter Portugal (in Portuguese) See document See document

Indirect environmental impacts management

Bankinter has been the only Spanish bank (8 banks at international level) that has participated with a pilot project to develop a specific guide for the financial sector to help the impacts on natural capital to be identified and managed , with the Natural Capital Coalition (an initiative driven by the United Nations Environment Programme). This project will show:

  • - The environmental impact of the bank investment policies in relation to natural capital, not only in terms of emissions, but also of the impact on terrestrial and marine biodiversity, and on natural resources (such as water and land use).
  • - The weight and risk of each of the sectors in whicht the bank invests, with respect to future regulations.
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Bankinter forms part of the "Business and Biodiversity" working group of financial institutions and biodiversity to keep abreast of best practices in relation to these aspects. Bankinter has also signed up to the "Financial Commitment to Biodiversity", and is one of the 26 institutions that made this commitment, the only one in Spain