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GRA · Banking Nexus

Spatial financeDonde el capital se encuentra con la amenaza, la exposición y la transición

Resiliencia y preparación financiera

Banking readiness asks what a lender’s credit, collateral and continuity teams would need to see before a programme, a region or a sector can be assessed on their own terms. Banking Nexus prepares hazard, collateral and dependency evidence and frames the diligence questions. It never sets lending terms, assesses a borrower or states that anything is fit for credit.

01Espacio de trabajo

The workspace for resilience and finance readiness.

El riesgo climático en la cartera

Mortgage book · Scenario: delayed transition · Example interface, not a record

Garantías expuestas a inundaciones en aumentoGRA · Banking Nexus

Garantías y amenaza de inundación

garantías geocodificadas · ilustrativo

Tamaño del círculo: valor de exposición · ejemploN

Exposición por banda de amenaza

Alto41516885
Medio429212875
Bajo18,747168059
El riesgo climático en la cartera.Interfaz ilustrativa; no son datos en vivo.

Banking Nexus · El riesgo climático en la cartera. El riesgo climático en la cartera: nombres de ejemplo y valores ilustrativos, no un registro.

02Preparación

La preparación no es aprobación.

A readiness file describes a programme’s evidence, risks and governance so that an institution can carry out its own review. The Global Risks Alliance (GRA) does not approve, rate, underwrite, lend or invest, and it recommends no counterparty.

03Perspectiva del comité de crédito

What a lender reads in a resilience programme.

Un expediente de preparación organiza esta evidencia; el prestamista aplica sus propios modelos de calificación, apetito de riesgo y precios.

Pregunta crediticiaEvidencia climática u operativa que la responde
Probability of default over the loan’s lifeRevenue and cost exposure of the borrower to hazards and transition pathways, by site
Pérdida en caso de incumplimientoUbicación de las garantías, amenaza en los periodos de retorno pertinentes, cobertura de seguro de las garantías
ConcentraciónShare of the book in one basin, coastline or supply corridor
Tenor and refinancingWhether hazard or policy change falls inside the loan term or at refinancing
Operational continuityDependencias del prestatario y del banco respecto de infraestructuras compartidas
04Proceso

Cómo funciona el proceso.

Process explorer · Process

Resilience and finance readiness: Damage assessment to recovery

8 pasos3 stages

Proceso

Resilience and finance readiness: Damage assessment to recovery

The joint UN, World Bank and EU Post-Disaster Needs Assessment guides a government-led assessment that leads to a Recovery Strategy and later a Recovery Framework.

  1. 01 Evaluación

    1. 01Evaluación de daños y pérdidasConjunto de datos · El gobierno afectadoThe guide draws on the Damage and Loss Assessment (DaLA) method. Damages are valued in physical terms and then at replacement cost.
    2. 02Human recovery needsConjunto de datosThe guide draws on the Human Recovery Needs Assessment (HRNA). The impact analysis covers economic and human development impact.
    3. 03Recovery needs and build back betterModeloRecovery needs are identified and costed. The guide refers to assessing needs to reduce risk and build back better.
  2. 02 Estrategia de recuperación

    1. 04Recovery StrategyStep · The affected governmentThe assessment yields a Recovery Strategy with priority needs, interventions, expected outputs and the cost of recovery and reconstruction.
    2. 05Resource mobilisationPasoThe Recovery Strategy provides the basis for mobilising resources for recovery, including a donor conference.
    3. 06Cuestiones transversalesPasoThe guide asks that gender, environment, governance and human rights be mainstreamed in the assessment and the strategy.
  3. 03 Ejecución

    1. 07Recovery Framework and implementationStep · Chief risk officerTras la PDNA y la Estrategia de Recuperación, el gobierno puede elaborar un Marco de Recuperación con un plan sectorial, un presupuesto y un plan de seguimiento.
    2. 08Monitoring and implementation planPasoThe detailed plan may include a monitoring and implementation plan.

Neutral outline of a published external standard or method, from its issuing body. Not a record of operation. Nexus does not perform, certify or approve any step shown. A gate or decision belongs to the party the source names. The assessment covers damages, losses and recovery needs.

05Marco de capital

Where the evidence meets the capital rules.

Under the Basel Framework, climate drivers are not a separate capital charge; they enter through credit, market, liquidity and operativos, as the BCBS 2022 climate principles make explicit. Real-estate risk weights, collateral valuation rules and the output floor determine how a hazard-exposed exposure weighs in capital. EU banks apply the final reforms since January 2025; UK banks from 1 January 2027; the US package was re-proposed in March 2026 and is not final. Evidence on the borrower side comes from GCRI Infraestructura crítica.

06Versión

Who sees a readiness file.

A file is released only at the programme owner’s written direction, to a party the owner chooses, with no fee tied to any transaction.

08Páginas

Pages in Resilience and finance readiness.

09Preguntas

Preguntas y respuestas.

¿Significa un expediente de preparación que hay financiación disponible?
No. It supports an independent review by the competent institution, which decides under its own rules.
Banking Nexus

Plantee una cuestión de exposición o de capital a la Alliance.

La información y las consultas están abiertas hoy. Una consulta recibe una referencia e indica el siguiente paso; las solicitudes, pagos, asignaciones de cómputo y registros solo se abren cuando existen su equipo, sus condiciones y la capacidad de revisión.