Make physical climate risk visible across your banking portfolio
UrClimate Next links assets in your credit portfolio to location (latitude–longitude) and NACE information to identify physical climate risk, report exposures across time horizons, and generate disclosure- and audit-ready outputs. Where required, it can also support optional financial impact stress analysis (e.g., via collateral- and credit-risk metrics).
Overview
How physical risk translates into credit risk, collateral value and capital planning.
Use Cases
Portfolio screening, stress testing, ICAAP, risk appetite and pricing examples.
Deliverables
Disclosure-ready tables, maps, dashboards and optional financial impact outputs.
Overview
Report acute and chronic risks for your loan/collateral locations within a single framework.
Key pain points:
- Limited visibility of where exposures sit, what hazards they face, and how this changes over time
- High cost of preparing data/formats for TSRS/IFRS-aligned disclosure and supervisory templates (e.g., EBA)
- Difficulty managing physical risk consistently across time horizons (short/medium/long term)
- Where required, the need to translate risk indicators into optional financial impact stress outputs
What we provide (product + services):
- Risk taxonomy (acute/chronic) and hazard-based exposure identification
- Geographic attribution and concentration (hotspot) analysis
- Sector breakdown (NACE) and time-horizon reporting (short/medium/long term)
- Exportable datasets (Excel/CSV) and an integration-friendly structure for internal systems
Primary hazards (examples):
- Flooding
- Extreme rainfall
- Storm
- Drought
- Extreme heat
- Wildfire
- Sea level rise
Outputs:
- Dashboards
- Tables (Excel/CSV)
- Maps
- API / data services (where needed)
Use Cases
- Portfolio screening: identify high-risk loans/collateral by location
- Geographic concentration: map clustering and hotspots
- NACE-based exposure distribution to support sector-level risk management
- Prepare inputs for stress testing / ICAAP across time-horizon bands
- Generate table packs aligned to disclosure and supervisory reporting needs
Deliverables
- Exposure tables (acute/chronic and hazard-based)
- Geographic distribution and concentration summaries (map + tables)
- NACE breakdown and time-horizon outputs
- Excel/CSV datasets and (where needed) API/data service integration
- Optional: financial impact stress outputs (institution-specific)