Integrate Climate Risk Into Credit Decisions
Climate risk assessment for lending decisions, regulatory compliance, and portfolio management
Reduce exposure to stranded assets and meet evolving regulatory requirements with asset-level climate intelligence for your lending portfolio.
Climate Risk Is Credit Risk
Banks face growing regulatory pressure and financial exposure from climate-related risks in their lending portfolios.
Stranded Assets
Carbon-intensive collateral loses value as policy, market, and technology shifts price in transition risk, threatening loan recovery and creating concentrated exposure for lenders.
Regulatory Pressure
Central banks and regulators increasingly require climate risk disclosure and stress testing for financial institutions.
Portfolio Concentration
Without granular data, banks struggle to identify and manage concentrated climate risk across their lending books.
How Floodlight Supports Better Lending Decisions
Integrate climate risk into credit assessment, collateral valuation, and portfolio management.
Credit Risk Analysis
Assess borrower climate exposure with asset-level risk data, enhancing traditional credit models with quantified physical and transition risk factors.
Collateral Assessment
Evaluate the climate vulnerability of physical collateral and adjust loan-to-value ratios based on transition and physical risk.
Portfolio Monitoring
Track climate risk exposure across your entire lending book, identifying concentration risks and opportunities for diversification.
Regulatory Reporting
Meet central bank climate stress testing and disclosure requirements with verified, audit-ready emissions data.
Built for Your Team.
Designed for the people who drive climate strategy and compliance.
Risk Management
Chief Risk Officers
Integrate climate risk into enterprise risk frameworks with asset-level data and scenario analysis tools.
Lending & Credit
Credit Analysts
Enhance credit assessments with climate exposure data for individual borrowers and collateral assets.
Regulatory Compliance
Compliance Teams
Meet central bank climate stress testing requirements and disclosure mandates with verified satellite data.
Aligned with Leading Frameworks.
Our data and reporting tools help you meet the requirements of major disclosure frameworks.
ECB
ECB Climate Stress Testing
Basel III
Basel Committee Climate Risk Guidance
NGFS
Network for Greening the Financial System
SFDR
Sustainable Finance Disclosure Regulation
EU Taxonomy
EU Taxonomy for Sustainable Activities
ECB-Ready Stress Tests, Delivered.
Every NGFS scenario, every IPCC pathway, mapped to asset-level Climate VaR for every facility in your lending book - the same output format your supervisory college already accepts.
| NGFS Scenario | IPCC Pathway | Horizon | Floodlight Output |
|---|---|---|---|
Orderly | SSP1-2.6 · RCP 2.6 | 2030 · 2050 | Low-severity transition VaR |
Delayed Transition | SSP2-4.5 · RCP 4.5 | 2030 · 2050 | Asset revaluation VaR, stranded exposure |
Divergent Net Zero | SSP2-4.5 variant | 2030 · 2050 | Sector-concentrated transition VaR |
Fragmented World | SSP3-7.0 regional | 2030 · 2050 | Geographic physical-risk stress |
Hot House | SSP5-8.5 · RCP 8.5 | 2050 · 2100 | High-severity physical VaR |
Flood, heat, drought, wildfire, and coastal inundation modelled at the asset footprint - not the postcode.
Carbon pricing, stranded-asset, and policy-shift exposure for every borrower and every piece of collateral.
Lending-book level aggregation with sector, geography, and borrower drill-through for supervisory review.
Powered by Floodlight’s Platform.
Our integrated modules work in harmony to deliver comprehensive climate intelligence.
SAGE Module
Satellite-measured Scope 1 and Scope 2 emissions for every facility in your lending book, with quantified uncertainty. Replaces self-reported borrower questionnaires with independent observation.
Learn moreBEACON Module
Climate VaR layered on top of SAGE emission measurements. Physical and transition risk modelled at the asset footprint, not the postcode.
Learn moreVAULT Module
Third-party MRV for carbon-asset-backed project finance. Independently verify forestry, DAC, and blue-carbon collateral for credit underwriting and covenant monitoring.
Learn moreReady to Strengthen Your Credit Risk Framework?
See how Floodlight can help you integrate climate risk into lending decisions and regulatory compliance.