Quantify Climate Risk Across Your Lending Book
Integrate asset-level climate exposure into enterprise risk frameworks and regulatory stress tests
Central banks and regulators now require climate stress testing and risk quantification. Floodlight provides the granular, independently verified emissions data your risk models need, at the individual borrower and collateral level.
Climate hazards tracked
Months saved on stress tests
Ongoing monitoring
NGFS scenarios
What keeps you up at night.
Regulatory Stress Test Requirements
ECB, PRA, and Fed climate stress tests require facility-level emissions data that most banks cannot source from borrowers.
Portfolio Concentration Risk
Without asset-level data, climate risk concentrations in your lending book remain invisible until a repricing event.
Counterparty Data Gaps
Most borrowers, especially mid-market and private, cannot provide the emissions data needed for climate risk assessment.
Climate-Adjusted VaR
Traditional Value at Risk models ignore carbon pricing and transition costs. Without climate-adjusted VaR, your risk framework systematically understates portfolio exposure.
Physical Hazard Exposure
Floods, storms, and extreme heat threaten collateral values and borrower operations. Real-time hazard monitoring is critical for early warning and provisioning.
Built for how you work.
Climate Stress Testing Data
Pre-formatted emissions datasets aligned with ECB, PRA, and NGFS climate stress test scenarios. Reduce scenario development time by months.
Borrower Climate Scoring
Satellite-verified emissions profiles for individual borrowers and their facilities. Score counterparty transition risk without relying on self-disclosure.
Concentration Risk Analytics
Map climate risk concentrations across your lending book by sector, geography, emissions intensity, and scenario exposure.
Early Warning System
Ongoing satellite monitoring flags borrowers whose emissions trajectory diverges from decarbonization commitments, before it becomes a credit event.
Your workflow, transformed.
You reach out to Floodlight to discuss climate risk integration into your enterprise risk framework
Complete our tailored questionnaire covering your lending book composition, stress test requirements, and key borrower list
Our team runs satellite overpass data across multiple satellites, targeting your borrowers' facilities and collateral assets
We apply our proprietary methodology alongside your questionnaire data to run NGFS climate stress tests and map concentration risk across your portfolio
You receive and review the draft climate risk assessment with stress test outputs, concentration heat maps, and borrower risk scores
Verification call to walk through the stress test methodology, address questions, and refine scenario parameters
Final regulatory-ready climate risk assessment delivered, formatted for ICAAP integration and risk committee presentation
Framework & Standards Alignment
Our data and reporting tools help you meet the requirements of the frameworks that matter to you.
ECB
ECB Climate Stress Testing
PRA
Bank of England PRA Climate Requirements
NGFS
Network for Greening the Financial System
Basel III
Basel Committee Climate Risk Guidance
Build a Climate-Resilient Risk Framework
See how Floodlight delivers the asset-level data your climate stress tests and risk models require.