GRA · Banking Nexus
Spatial financeLà où le capital rencontre l'aléa, l'exposition et la transition
Résilience et préparation financière
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.
L'espace de travail de la résilience et de la préparation financière.
Climate risk in the book
Mortgage book · Scenario: delayed transition · Example interface, not a record
Collateral and flood hazard
geocoded collateral · illustrative
Exposure by hazard band
| Élevé | 415 | 168 | 85 |
| Moyen | 4292 | 128 | 75 |
| Faible | 18,747 | 1680 | 59 |
Banking Nexus · Climate risk in the book. Climate risk in the book: example names and illustrative values, not a record.
La préparation n'est pas une approbation.
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.
What a lender reads in a resilience programme.
A readiness file arranges this evidence; the lender applies its own rating models, appétence pour le risque and pricing.
| Credit question | Climate or operational evidence that answers it |
|---|---|
| Probability of default over the loan’s life | Revenue and cost exposure of the borrower to hazards and transition pathways, by site |
| Perte en cas de défaut | Collateral location, hazard at relevant return periods, insurance cover on the collateral |
| Concentration | Share of the book in one basin, coastline or supply corridor |
| Tenor and refinancing | Whether hazard or policy change falls inside the loan term or at refinancing |
| Operational continuity | Dependencies of the borrower and the bank on shared infrastructure |
Comment le processus se déroule.
Process explorer · Process
Resilience and finance readiness: Damage assessment to recovery
8 étapes·3 stages
Processus
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.
01 Assessment
- 01Damage and loss assessmentDataset · The affected governmentThe guide draws on the Damage and Loss Assessment (DaLA) method. Damages are valued in physical terms and then at replacement cost.
- 02Human recovery needsJeu de donnéesThe guide draws on the Human Recovery Needs Assessment (HRNA). The impact analysis covers economic and human development impact.
- 03Recovery needs and build back betterModèleRecovery needs are identified and costed. The guide refers to assessing needs to reduce risk and build back better.
02 Recovery strategy
- 04Recovery StrategyStep · The affected governmentThe assessment yields a Recovery Strategy with priority needs, interventions, expected outputs and the cost of recovery and reconstruction.
- 05Resource mobilisationÉtapeThe Recovery Strategy provides the basis for mobilising resources for recovery, including a donor conference.
- 06Cross-cutting issuesÉtapeThe guide asks that gender, environment, governance and human rights be mainstreamed in the assessment and the strategy.
03 Delivery
- 07Recovery Framework and implementationStep · Chief risk officerAfter the PDNA and Recovery Strategy, the government may develop a Recovery Framework with a sector plan, budget and monitoring plan.
- 08Monitoring and implementation planÉtapeThe 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.
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 opérationnels, 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 Infrastructures critiques.
Qui voit un dossier de préparation.
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.
Where this page’s references lead.
Les organismes et documents à l'aune desquels cette page se lit. Les statuts et éditions changent ; chaque lien mène à l'organisme émetteur.
- Cadre de Bâle (normes consolidées)
- Principes du CBCB pour une gestion et une supervision efficaces des risques financiers liés au climat (2022)
- Règles finales de Bâle 3.1, PRA PS1/26 (en vigueur au 1 janvier 2027 ; modèles internes FRTB au 1 janvier 2028)
- US agencies’ Basel III re-proposal, March 2026 (comment period closed 18 June 2026; not final)
Pages de Résilience et préparation financière.
Questions et réponses.
Un dossier de préparation signifie-t-il que des financements sont disponibles ?
Soumettez une question d'exposition ou de capital à l'Alliance.
L'information et les demandes sont ouvertes dès aujourd'hui. Une demande reçoit une référence et indique l'étape suivante ; candidatures, paiements, allocations de calcul et inscriptions n'ouvrent que lorsque l'équipe, les conditions et la capacité d'examen existent.
Documents juridiques.
Les cartes, données et chiffres de ce site sont présentés à titre de contexte et d'information générale. Ils ne constituent ni des conseils, ni des prévisions, ni des alertes ; les limites de l'information sont exposées dans les Avertissements et les Notices sur les données.