GRA · Banking Nexus
Keuangan spasialTempat modal bertemu bahaya, keterpaparan, dan transisi
Ketahanan dan kesiapan pembiayaan
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.
The workspace for resilience and finance readiness.
Risiko iklim dalam portofolio
Mortgage book · Scenario: delayed transition · Example interface, not a record
Agunan dan bahaya banjir
geocoded collateral · illustrative
Exposure by hazard band
| Tinggi | 415 | 168 | 85 |
| Sedang | 4292 | 128 | 75 |
| Rendah | 18,747 | 1680 | 59 |
Banking Nexus · Risiko iklim dalam portofolio. Risiko iklim dalam portofolio: nama contoh dan nilai ilustratif, bukan catatan.
Readiness is not approval.
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.
Berkas kesiapan menyusun bukti ini; pemberi pinjaman menerapkan model pemeringkatan, selera risiko , dan penetapan harganya sendiri.
| Pertanyaan kredit | Bukti iklim atau operasional yang menjawabnya |
|---|---|
| Probability of default over the loan’s life | Revenue and cost exposure of the borrower to hazards and transition pathways, by site |
| Kerugian jika terjadi gagal bayar | Lokasi agunan, bahaya pada periode ulang yang relevan, pertanggungan asuransi atas agunan |
| Konsentrasi | 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 | Ketergantungan debitur dan bank pada infrastruktur bersama |
Bagaimana proses berjalan.
Process explorer · Process
Resilience and finance readiness: Damage assessment to recovery
8 langkah·3 stages
Proses
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 Penilaian
- 01Penilaian kerusakan dan kerugianSet data · Pemerintah yang terdampakThe guide draws on the Damage and Loss Assessment (DaLA) method. Damages are valued in physical terms and then at replacement cost.
- 02Human recovery needsKumpulan dataThe guide draws on the Human Recovery Needs Assessment (HRNA). The impact analysis covers economic and human development impact.
- 03Recovery needs and build back betterModelRecovery needs are identified and costed. The guide refers to assessing needs to reduce risk and build back better.
02 Strategi pemulihan
- 04Recovery StrategyStep · The affected governmentThe assessment yields a Recovery Strategy with priority needs, interventions, expected outputs and the cost of recovery and reconstruction.
- 05Resource mobilisationLangkahThe Recovery Strategy provides the basis for mobilising resources for recovery, including a donor conference.
- 06Isu lintas sektorLangkahThe guide asks that gender, environment, governance and human rights be mainstreamed in the assessment and the strategy.
03 Pelaksanaan
- 07Recovery Framework and implementationStep · Chief risk officerSetelah PDNA dan Strategi Pemulihan, pemerintah dapat menyusun Kerangka Pemulihan dengan rencana sektor, anggaran, dan rencana pemantauan.
- 08Monitoring and implementation planLangkahThe 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 risiko operasional, 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 Infrastruktur Kritis.
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.
Where this page’s references lead.
Badan dan dokumen yang menjadi acuan halaman ini. Status dan edisi berubah; setiap tautan menuju badan penerbitnya.
- Basel Framework (standar terkonsolidasi)
- BCBS Principles for the effective management and supervision of climate-related financial risks (2022)
- Aturan final PRA PS1/26 Basel 3.1 (berlaku 1 Januari 2027; model internal FRTB 1 Januari 2028)
- US agencies’ Basel III re-proposal, March 2026 (comment period closed 18 June 2026; not final)
Pages in Resilience and finance readiness.
Tanya jawab.
Does a readiness file mean finance is available?
Ajukan pertanyaan eksposur atau modal kepada Aliansi.
Informasi dan pertanyaan sudah terbuka hari ini. Sebuah pertanyaan menerima nomor referensi dan menyebutkan langkah berikutnya; lamaran, pembayaran, alokasi komputasi, dan pendaftaran hanya dibuka ketika tim, ketentuan, dan kapasitas tinjauannya tersedia.
Dokumen hukum.
Peta, data, dan gambar di situs ini ditampilkan untuk konteks dan informasi umum. Semua itu bukan nasihat, prakiraan, atau peringatan; batasan informasinya dijelaskan dalam Penafian dan Pemberitahuan Data.