Man doing river testing

We're working with customers, government and the market to reduce the carbon emissions we finance by more than 50% and halve the carbon footprint of our investments by 2030.

Our ambition is to achieve net zero by 2050 or sooner. 

Transition to net zero and protecting nature

We know time is critical and the next few years will be decisive in tackling climate change. We have a key role to play in transitioning the UK economy towards net zero, and our focus is on financing the transition to build a more sustainable future.

Our business impacts and depends on nature, and supporting nature’s recovery is essential in climate change mitigation and adaptation.

Protecting and restoring nature goes hand-in-hand with supporting the transition to a low carbon economy, and ultimately Helping Britain Prosper.

Our approach

Our approach centres on four key systems where we can leverage our scale and expertise to address environmental issues across climate and nature.

We're focussing on where we live, the energy we use, how we move and how we farm to support the transition to a more sustainable and inclusive society.

Greening the built environment

As the UK's largest mortgage lender, we're working to support the construction, retrofit and operation of the UK’s residential and commercial buildings towards net zero.

Energy transition

We're committed to supporting the transition of our energy system.

We are supporting the shift from high-carbon sources towards a lower carbon integrated system.

Low carbon transport

Leasing and financing 1.2m vehicles on the road today, we aim to help create an accessible, stable, low carbon road transport market.

Sustainable farming

We are the largest lender to the UK's agricultural sector and are committed to work with others and supporting farmers as they start to move towards more sustainable farming practices.

""

Built to Last: Climate Resilient infrastructure needs transformative investment

Resilient infrastructure is essential to securing the UK economy for the future. With the same long-term focus applied to national security, we can turn resilience needs into viable, investable projects that protect communities, strengthen competitiveness and create lasting economic value.

Key findings

  • Climate resilience is an economic opportunity. Strengthening the systems that businesses and communities rely on can support growth, protect productivity and give investors greater confidence in the economy’s long-term foundations. As the UK faces growing risks from heatwaves, flooding and drought, the report highlights the urgent need to strengthen climate resilience, close the adaptation investment gap and protect the infrastructure that underpins economic growth.
  • Resilience needs can be turned into an investable pipeline. Closing the financing gap will require improved data and analytics, investable revenue models, stronger adaptation and resilience expertise, common frameworks, and deeper partnerships that share risk and attract private capital.
  • Investing early can create value while reducing future costs. More resilient water, energy and built-environment systems can improve reliability, limit disruption and help the UK remain productive and competitive as the climate changes.
  • Public and private finance can work together to unlock delivery at scale. The report’s case studies show how guarantees, private capital and smarter risk-sharing can make resilient infrastructure projects viable and help successful approaches be replicated across the economy.
Download the report PDF, 4.2MB (opens in new tab)

Projects for Nature

 

To support the preservation and restoration of the UK’s natural environment, the Group is the first founding partner of Projects for Nature.

These projects aim to restore nature and engage communities to address national nature recovery priorities including flood management, wildlife corridors and regenerative agriculture.
 

Projects for Nature

We have donated £250,000 into three nature recovery projects in England through Projects for Nature.

Implementing nature based solutions

Report: Working with nature

Integrating nature-based solutions across urban environments and landscapes.

Developed by the Group, with input from RSPB, this latest report showcases nature-based solutions in action across the UK, and the raft of positive outcomes these can bring for nature, climate and people. 

Our operations and supply chain

Getting our house in order

Reducing the carbon footprint of our own operations is a key part of our sustainability strategy.

We'll continue expanding our use of energy efficient technology, remove all use of natural gas from our estate and create more sustainable branches in communities across the UK. 

We recognise the environmental impact of working collaboratively with our suppliers to tackle climate change in a way that is aligned with our purpose. Our Emerald Standard sets clear environmental and social expectations of our suppliers that we ask them to work towards.

Operational emissions

Our commitments

 

Reduce our supply chain emissions by 50% by 2030 on the path to net zero by 2050 or sooner.


Achieve net zero operations by 2030 and reduce our direct carbon emissions by at least 90%.

 

 

Case study: Rewilding The Mound

Working with the Scottish Wildlife Trust to develop a plan to enhance biodiversity at The Mound, our main Edinburgh office.

We've created stepping stone habitats for species to travel around the city, including pollinators and rare species.

Related content

Sustainability

As the UK’s largest financial services provider, we have an important role to play in creating a more sustainable and inclusive future for people and businesses, by shaping finance as a force for good.

Sustainability

Woodland Trust Partnership

At the beginning of 2020, we started working with the Woodland Trust to plant 10 million trees across the UK by 2030.

Woodland Trust partnership

Sustainability report 2025

Our 2025 report provides an update on how we are Helping Britain Prosper in a way that delivers long-term profit and returns, whilst creating a more sustainable and inclusive future.

Sustainability report