{"id":13297,"date":"2026-04-19T12:31:40","date_gmt":"2026-04-19T10:31:40","guid":{"rendered":"https:\/\/www.sustainax.com\/?p=13297"},"modified":"2026-04-27T16:24:33","modified_gmt":"2026-04-27T14:24:33","slug":"why-most-bank-questionnaires-on-sustainability-fail","status":"publish","type":"post","link":"https:\/\/www.sustainax.com\/index.php\/2026\/04\/19\/why-most-bank-questionnaires-on-sustainability-fail\/","title":{"rendered":"Why most bank questionnaires on sustainability fail"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13297\" class=\"elementor elementor-13297\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1866d45 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1866d45\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e9b1dec\" data-id=\"e9b1dec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b26864f elementor-widget elementor-widget-text-editor\" data-id=\"b26864f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"font-weight: 400;\">Why most bank questionnaires on sustainability fail<\/h4><h5 style=\"font-weight: 400;\">Collecting debtor information without a materiality framework creates noise, not risk insight<\/h5><p><em>The author, Dag A.D.Messelt, is a domain expert in sustainability risk and he is working with sustainability risk assessment methodology, including sustainability risk materiality, at SustainAX, a Swedish ESG rating provider he co-founded in 2021.<\/em><\/p><p style=\"font-weight: 400;\">Many banks have responded to the sustainability risk agenda in a predictable way. They have started asking debtors for more information.<\/p><p style=\"font-weight: 400;\">On the surface, that looks sensible. If sustainability risk must be integrated into credit decisions, surely the bank needs more sustainability-related data from borrowers.<\/p><p style=\"font-weight: 400;\">But in practice, this is where many programmes begin to go wrong.<\/p><h6><span style=\"color: #ff6600;\">Download our executive briefing here:<\/span><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c60f1cb elementor-widget elementor-widget-wpdmpackage\" data-id=\"c60f1cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpdmpackage.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class='w3eden wpdm_package_shortcode'><!-- WPDM Link Template: Call to Action 1 -->\n\n<div class=\"well c2a1\">\n    <div class=\"media\">\n\n\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\"><a style=\"font-weight: 700\" href=\"https:\/\/www.sustainax.com\/index.php\/download\/a-practical-framework-for-eba-aligned-sustainability-risk-integration-in-corporate-lending\/\">A practical framework for EBA-aligned sustainability risk integration in corporate lending<\/a> <span style=\"margin-left:30px;font-size:8pt;font-weight:300\"><i style=\"margin: 2px 0 0 5px;opacity:0.5\" class=\"fa fa-th-large\"><\/i> 218.70 KB <i style=\"margin: 2px 0 0 5px;opacity:0.5\" class=\"fa fa-download\"><\/i> 2 downloads<\/span><\/h3>\n            Executive briefing for CEOs, CROs, heads of credit, credit managers, compliance officers...\n        <\/div>\n\n        <div class=\"ml-3\" align=\"right\">\n            <a href='#unlock' class='wpdm-download-link wpdm-download-locked btn btn-primary ' data-package='13427'>Download<\/a>\n        <\/div>\n\n    <\/div>\n\n<\/div>\n<style>.well.c2a1 .btn.wpdm-download-link{ padding: 11px 30px;font-size: 11pt; } .well.c2a1 .media-body{ font-size: 11pt; }<\/style><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e3cd3e elementor-widget elementor-widget-text-editor\" data-id=\"9e3cd3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Questionnaires are only useful if the bank already knows what it is looking for and why. Without a prior materiality framework, they produce volume rather than insight. The institution collects policies, targets, emissions figures, certifications, governance statements and other data points, but lacks a robust basis for determining which of these are actually relevant for prudential assessment.<\/p><p style=\"font-weight: 400;\">That creates three problems.<\/p><p style=\"font-weight: 400;\">The first is irrelevance. Banks ask for information that sounds useful in general ESG discourse but has weak connection to credit risk in the specific context of the debtor. This adds friction for the client and clutter for the bank.<\/p><p style=\"font-weight: 400;\">The second is inconsistency. Different sectors and activities have different sustainability risk materiality. If the same or similar questionnaires are used too broadly, the bank either misses important sector-specific risk drivers or over-collects low-value information from debtors for whom the issue is not material.<\/p><p style=\"font-weight: 400;\">The third is false confidence. Once a bank has built an information collection process, it can appear to be making progress. But data collection is not the same as risk assessment. A well-organised spreadsheet of borrower responses does not mean the bank has understood sustainability risk.<\/p><p style=\"font-weight: 400;\">The correct sequence is the reverse.<\/p><p style=\"font-weight: 400;\">The bank should first determine which sustainability risk topics are financially material for each relevant segment of the portfolio. That requires a structured framework covering sector exposure, business activity, supply-chain profile and relevant transmission channels into financial risk. Only when this logic exists does it make sense to ask borrowers targeted questions.<\/p><p style=\"font-weight: 400;\">At that point, the quality of the questionnaire changes completely.<\/p><p style=\"font-weight: 400;\">Instead of long generic requests, the bank can ask precise questions tied to specific risk hypotheses. Instead of gathering broad ESG information, it can focus on what is relevant for risk assessment. Instead of treating all debtors similarly, it can differentiate based on actual risk materiality.<\/p><p style=\"font-weight: 400;\">That improves several things at once. It reduces noise. It lowers burden on clients. It improves comparability. And it gives the credit function information that can actually be used in the sustainability risk assessment.<\/p><p style=\"font-weight: 400;\">That is a much higher standard than most questionnaires currently meet.<\/p><p style=\"font-weight: 400;\">Banks that continue to start with questionnaires are likely to spend significant time and budget collecting information that cannot support a credible sustainability risk research process. Banks that begin with materiality and risk assessment logic will ask fewer questions, but better ones.<\/p><p style=\"font-weight: 400;\">The difference is not administrative efficiency alone. It is the difference between information gathering and real assessment capability.<\/p><h6><span style=\"color: #ff6600;\">Download our executive briefing here:<\/span><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-328b2f3 elementor-widget elementor-widget-wpdmpackage\" data-id=\"328b2f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpdmpackage.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class='w3eden wpdm_package_shortcode'><!-- WPDM Link Template: Call to Action 1 -->\n\n<div class=\"well c2a1\">\n    <div class=\"media\">\n\n\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\"><a style=\"font-weight: 700\" href=\"https:\/\/www.sustainax.com\/index.php\/download\/a-practical-framework-for-eba-aligned-sustainability-risk-integration-in-corporate-lending\/\">A practical framework for EBA-aligned sustainability risk integration in corporate lending<\/a> <span style=\"margin-left:30px;font-size:8pt;font-weight:300\"><i style=\"margin: 2px 0 0 5px;opacity:0.5\" class=\"fa fa-th-large\"><\/i> 218.70 KB <i style=\"margin: 2px 0 0 5px;opacity:0.5\" class=\"fa fa-download\"><\/i> 2 downloads<\/span><\/h3>\n            Executive briefing for CEOs, CROs, heads of credit, credit managers, compliance officers...\n        <\/div>\n\n        <div class=\"ml-3\" align=\"right\">\n            <a href='#unlock' class='wpdm-download-link wpdm-download-locked btn btn-primary ' data-package='13427'>Download<\/a>\n        <\/div>\n\n    <\/div>\n\n<\/div>\n<style>.well.c2a1 .btn.wpdm-download-link{ padding: 11px 30px;font-size: 11pt; } .well.c2a1 .media-body{ font-size: 11pt; }<\/style><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e11095a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e11095a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8190e9\" data-id=\"d8190e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e49c541 elementor-widget elementor-widget-text-editor\" data-id=\"e49c541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><span style=\"color: #ff6600; font-weight: 400;\">All articles in the ESG risk for bank series:<\/span><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b3d87f elementor-grid-eael-col-4 elementor-grid-tablet-eael-col-2 elementor-grid-mobile-eael-col-1 elementor-widget elementor-widget-eael-post-grid\" data-id=\"6b3d87f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;eael_post_grid_columns&quot;:&quot;eael-col-4&quot;,&quot;eael_post_grid_columns_tablet&quot;:&quot;eael-col-2&quot;,&quot;eael_post_grid_columns_mobile&quot;:&quot;eael-col-1&quot;}\" data-widget_type=\"eael-post-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"eael-post-grid-6b3d87f\" class=\"eael-post-grid-container\">\n            <div class=\"eael-post-grid eael-post-appender eael-post-appender-6b3d87f eael-post-grid-style-one\" data-layout-mode=\"masonry\"><article class=\"eael-grid-post  eael-post-grid-column eael-pg-post-13322 category-banks-esg-regulation-esg-research-esg-scoring-insight-investor\" data-id=\"13322\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/27\/banks-cannot-industrialise-sustainability-risk-handling-before-they-define-it\/\"><\/a><\/div><div class=\"eael-entry-thumbnail \">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Banks-must-define-ESG-risk-first-WkdzUQrKWys-unsplash-300x200.png\" class=\"attachment-medium size-medium wp-image-13590\" alt=\"Banks-must-define-ESG-risk-first\" srcset=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Banks-must-define-ESG-risk-first-WkdzUQrKWys-unsplash-300x200.png 300w, https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Banks-must-define-ESG-risk-first-WkdzUQrKWys-unsplash.png 709w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h2 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/27\/banks-cannot-industrialise-sustainability-risk-handling-before-they-define-it\/\" title=\"Banks cannot industrialise sustainability risk handling before they define it\">Banks cannot industrialise sustainability risk handling before they define it<\/a><\/h2><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><p>Banks cannot industrialise sustainability risk handling before they define it...<\/p><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/27\/banks-cannot-industrialise-sustainability-risk-handling-before-they-define-it\/\" class=\"eael-post-elements-readmore-btn\">Read More<\/a><\/div>\n                    <\/div><div class=\"eael-entry-footer\"><div class=\"eael-author-avatar\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\"><img alt='Dag A.D. MESSELT' src='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=96&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=192&#038;d=mm&#038;r=g 2x' class='avatar avatar-96 photo' height='96' width='96' \/><\/a><\/div><div class=\"eael-entry-meta\"><span class=\"eael-posted-by\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\" title=\"Posts by Dag A.D. MESSELT\" rel=\"author\">Dag A.D. MESSELT<\/a><\/span><span class=\"eael-posted-on\"><time datetime=\"27\/04\/2026\">27\/04\/2026<\/time><\/span><\/div><\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post  eael-post-grid-column eael-pg-post-13315 category-banks-esg-regulation-esg-research-esg-scoring-insight-investor\" data-id=\"13315\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/22\/what-the-eba-actually-requires-from-banks-in-sustainability-risk-integration\/\"><\/a><\/div><div class=\"eael-entry-thumbnail \">\n                <img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/EBA-regulation-ESG-risk-integration-credit-9hLDm16ELYg-unsplash-300x200.png\" class=\"attachment-medium size-medium wp-image-13589\" alt=\"EBA-regulation-ESG-risk-integration-credit\" srcset=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/EBA-regulation-ESG-risk-integration-credit-9hLDm16ELYg-unsplash-300x200.png 300w, https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/EBA-regulation-ESG-risk-integration-credit-9hLDm16ELYg-unsplash.png 709w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h2 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/22\/what-the-eba-actually-requires-from-banks-in-sustainability-risk-integration\/\" title=\"What the EBA actually requires from banks in sustainability risk integration\">What the EBA actually requires from banks in sustainability risk integration<\/a><\/h2><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><p>BANKS &#8211; What the EBA actually requires in sustainability risk...<\/p><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/22\/what-the-eba-actually-requires-from-banks-in-sustainability-risk-integration\/\" class=\"eael-post-elements-readmore-btn\">Read More<\/a><\/div>\n                    <\/div><div class=\"eael-entry-footer\"><div class=\"eael-author-avatar\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\"><img alt='Dag A.D. MESSELT' src='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=96&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=192&#038;d=mm&#038;r=g 2x' class='avatar avatar-96 photo' height='96' width='96' \/><\/a><\/div><div class=\"eael-entry-meta\"><span class=\"eael-posted-by\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\" title=\"Posts by Dag A.D. MESSELT\" rel=\"author\">Dag A.D. MESSELT<\/a><\/span><span class=\"eael-posted-on\"><time datetime=\"22\/04\/2026\">22\/04\/2026<\/time><\/span><\/div><\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post  eael-post-grid-column eael-pg-post-13297 category-banks-esg-regulation-esg-research-esg-scoring-insight\" data-id=\"13297\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/19\/why-most-bank-questionnaires-on-sustainability-fail\/\"><\/a><\/div><div class=\"eael-entry-thumbnail \">\n                <img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Failed-ESG-risk-questionaires-and-process-for-banks-npxXWgQ33ZQ-unsplash-300x200.png\" class=\"attachment-medium size-medium wp-image-13587\" alt=\"Failed-ESG-risk-questionaires-and-process-for-banks\" srcset=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Failed-ESG-risk-questionaires-and-process-for-banks-npxXWgQ33ZQ-unsplash-300x200.png 300w, https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Failed-ESG-risk-questionaires-and-process-for-banks-npxXWgQ33ZQ-unsplash.png 709w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h2 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/19\/why-most-bank-questionnaires-on-sustainability-fail\/\" title=\"Why most bank questionnaires on sustainability fail\">Why most bank questionnaires on sustainability fail<\/a><\/h2><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><p>Why most bank questionnaires on sustainability fail Collecting debtor information...<\/p><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/19\/why-most-bank-questionnaires-on-sustainability-fail\/\" class=\"eael-post-elements-readmore-btn\">Read More<\/a><\/div>\n                    <\/div><div class=\"eael-entry-footer\"><div class=\"eael-author-avatar\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\"><img alt='Dag A.D. MESSELT' src='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=96&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=192&#038;d=mm&#038;r=g 2x' class='avatar avatar-96 photo' height='96' width='96' \/><\/a><\/div><div class=\"eael-entry-meta\"><span class=\"eael-posted-by\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\" title=\"Posts by Dag A.D. MESSELT\" rel=\"author\">Dag A.D. MESSELT<\/a><\/span><span class=\"eael-posted-on\"><time datetime=\"19\/04\/2026\">19\/04\/2026<\/time><\/span><\/div><\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post  eael-post-grid-column eael-pg-post-13278 category-banks-esg-research-esg-scoring-insight-investor\" data-id=\"13278\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-media\"><div class=\"eael-entry-overlay fade-in\"><i class=\"fas fa-long-arrow-alt-right\" aria-hidden=\"true\"><\/i><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/11\/automating-sustainability-risk-assessment-in-banks-pitfalls\/\"><\/a><\/div><div class=\"eael-entry-thumbnail \">\n                <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Failed-ESG-risk-automation-by-banks-f2JMVDnarks-unsplash-300x169.png\" class=\"attachment-medium size-medium wp-image-13588\" alt=\"Failed-ESG-risk-automation-by-banks\" srcset=\"https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Failed-ESG-risk-automation-by-banks-f2JMVDnarks-unsplash-300x169.png 300w, https:\/\/www.sustainax.com\/wp-content\/uploads\/2026\/04\/Failed-ESG-risk-automation-by-banks-f2JMVDnarks-unsplash.png 683w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n            <\/div>\n        <\/div><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h2 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/11\/automating-sustainability-risk-assessment-in-banks-pitfalls\/\" title=\"Automating sustainability risk assessment in banks &#8211; Pitfalls\">Automating sustainability risk assessment in banks &#8211; Pitfalls<\/a><\/h2><\/header><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><p>Automating sustainability risk assessment &#8211; Pitfalls Why deterministic design beats...<\/p><a href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/11\/automating-sustainability-risk-assessment-in-banks-pitfalls\/\" class=\"eael-post-elements-readmore-btn\">Read More<\/a><\/div>\n                    <\/div><div class=\"eael-entry-footer\"><div class=\"eael-author-avatar\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\"><img alt='Dag A.D. MESSELT' src='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=96&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/9ce0575d52e7e20408fa8dc1ed7c5aa5c3b2be4fccc265cc11de7a76d2fbb546?s=192&#038;d=mm&#038;r=g 2x' class='avatar avatar-96 photo' height='96' width='96' \/><\/a><\/div><div class=\"eael-entry-meta\"><span class=\"eael-posted-by\"><a href=\"https:\/\/www.sustainax.com\/index.php\/author\/dag-admin\/\" title=\"Posts by Dag A.D. MESSELT\" rel=\"author\">Dag A.D. MESSELT<\/a><\/span><span class=\"eael-posted-on\"><time datetime=\"11\/04\/2026\">11\/04\/2026<\/time><\/span><\/div><\/div><\/div><\/div>\n        <\/div>\n    <\/article><\/div>\n            <div class=\"clearfix\"><\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Why most bank questionnaires on sustainability fail Collecting debtor information without a materiality framework creates noise, not risk insight The author, Dag A.D.Messelt, is a domain expert in sustainability risk and he is working with sustainability risk assessment methodology, including sustainability risk materiality, at SustainAX, a Swedish ESG rating provider he co-founded in 2021. Many [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":13587,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,10,9,13,6],"tags":[],"class_list":["post-13297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-esg-regulation","category-esg-research","category-esg-scoring","category-insight"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why most bank questionnaires on sustainability fail - SustainAX<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sustainax.com\/index.php\/2026\/04\/19\/why-most-bank-questionnaires-on-sustainability-fail\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why most bank questionnaires on sustainability fail - SustainAX\" \/>\n<meta property=\"og:description\" content=\"Why most bank questionnaires on sustainability fail Collecting debtor information without a materiality framework creates noise, not risk insight The author, Dag A.D.Messelt, is a domain expert in sustainability risk and he is working with sustainability risk assessment methodology, including sustainability risk materiality, at SustainAX, a Swedish ESG rating provider he co-founded in 2021. 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