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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Repair Windows errors before they cause bigger problemsFix Now →To check whether your bank finances coal or other fossil fuels, look up the relevant bank and parent group in the Banking on Climate Chaos (BOCC) database, then compare its reported financing with the bank’s own dated coal and oil-and-gas policies. The database records corporate financial commitments using defined methods; a policy describes the bank’s stated rules. Neither one, by itself, shows that a particular customer’s deposit funded a specific project.
1. Identify the bank and corporate group
Start by searching for both the name on your account and its parent group in Banking on Climate Chaos. Its current site offers bank, client, and parent views. A familiar brand may be a subsidiary of a larger banking group, and a dataset may name a legal entity rather than the customer-facing brand.
Note the exact entity shown in the profile. Do not assume that a parent, subsidiary, affiliate, and asset-management business all have identical policies or are measured in the same way.
2. Read the profile’s finance figures in context
Record the edition and reporting year, the overall fossil-fuel finance figure, and any separate figure or view for financing companies linked to fossil-fuel expansion. The 2026 BOCC analysis covers lending and underwriting commitments for 65 of the world’s largest banks and adjusts data for the share of a company’s business in fossil fuels. See the 2026 bank profiles and its methodology.
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These measures answer different questions. Overall fossil-fuel finance is not interchangeable with finance associated with expansion companies. BOCC’s 2026 expansion view draws on Urgewald’s 2025 Global Oil & Gas Exit List and Global Coal Exit List, and separately defines subsets for upstream and midstream oil and gas and oil- or gas-fired power development.
For scale, Reclaim Finance’s June 2026 summary of BOCC 2026 reports that the 65 banks covered provided $906 billion in fossil-fuel finance in 2025, $508 billion to fossil-fuel expansion companies in 2025, and $8.7 trillion to oil, gas, and coal since the Paris Agreement. These are report-attributed aggregate commitments, not a claim about every bank, an individual customer’s deposit, or funds still outstanding. Reclaim Finance describes BOCC as “the world’s most comprehensive open-source dataset on fossil fuel financing by commercial banks”; that is Reclaim Finance’s characterization of the report.
3. Check coal and oil-and-gas policies separately
A finance profile and a policy answer different questions: one reports financing under a dataset’s rules; the other sets out restrictions the bank says it applies. Use BOCC’s links to the coal policy tracker and oil and gas policy tracker, then open the bank’s own current policy or sustainability disclosure. BankTrack also indexes dated bank policies in its policy tracker.
Read beyond labels such as “net zero.” For each policy, check which activities it covers and the terms that limit its scope:
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- Coal mining and coal-fired power
- Oil and gas extraction, transport, pipelines, and LNG
- Financing for new or expanded projects and companies
- Thresholds, exclusions, and exceptions
- Effective dates and any phase-out dates
Compare those details with the activities and companies included in the finance data. A pledge or restriction does not establish that all financing has stopped; the policy’s coverage and exceptions matter.
4. Check what the figures measure
BOCC reports corporate lending and underwriting commitments, not a tracing of individual customer deposits to named projects. The bank’s role, the covered entity, the reporting period, the companies screened, and the method used to allocate finance all affect what a figure means.
The 2025 BOCC FAQ explains that the 2025 edition counted corporate lending and underwriting issued during 2021–2024, including syndicated finance. It drew on sources including Bloomberg Finance L.P., IJGlobal, public company reports, media archives, and Profundo research, and adjusted transactions to estimate the fossil-fuel share of diversified companies. The FAQ says transaction-level data were not published because of commercial data-licensing restrictions. Those dates and methodological details describe the 2025 edition; do not apply that study window to BOCC 2026. Read the 2025 FAQ when interpreting that edition.
The methodology also distinguishes corporate lending and underwriting from investment holdings managed by a bank’s asset-management arm. A profile should therefore not be read as a complete account of every financial activity connected with a brand or group.
5. If you are comparing banks
Compare institutions using the same reporting year and dataset, rather than ranking one bank’s figure from one edition against another bank’s figure from a different period. Use these criteria:
- Reported overall fossil-fuel finance and expansion finance, kept as separate measures
- Policy coverage of coal, oil, and gas activities
- Thresholds, exceptions, effective dates, and phase-out dates
- Which legal entities and business activities the data and policies cover
- Transparency about clients, portfolios, and the methods behind reported figures
Whether another account is suitable also depends on your country, account type, fees, deposit protection, and access to services. Verify those details locally; the finance profiles and policy trackers do not establish them.
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