Physical risk

Turnkey solution for full banking book.

Any company, any address.

Turnkey solution

Coverage for the full banking book.

Klever physical risk engine analyses addresses and asset locations.

Mortgage & SME lending book

Physical risk for any address

  1. 01You query an address (API, Snowflake).
  2. 02Each address is geocoded into latitude and longitude.
  3. 03Coordinates are analysed through 50+ hazard layers.
  4. 04Klever returns 1) full risk analysis 2) NUTS 2 & 3 regions.
EBA ESG Guideline · Pillar 3 Template 5 / 5A · Green Asset Ratio
Large & mid-cap corporate lending book

Key assets & physical risk for any company

  1. 01Your company list securely ingested (API, Snowflake, SFTP).
  2. 02Klever identifies each company's key assets, locates their addresses and geocodes them.
  3. 03Coordinates are analysed through 50+ hazard layers.
  4. 04Klever returns 1) Key assets w/ detail 2) risk scores for each asset 3) NUTS 2 & 3 regions.
EBA ESG Guideline · Pillar 3 Template 5 / 5A

Hazard coverage

50+ hazard layers

Aligned with Pillar 3 ITS and EBA requirements. From official sources. Historical climate and forward-looking scenarios.

Temperature-related
  • Heat stress
  • Heat wave
  • Cold wave / frost
  • Wildfire
Wind-related
  • Cyclone, hurricane, typhoon
  • Storm
Water-related
  • Precipitation & hydrological variability
  • Water stress
  • Drought
  • Flood
  • Heavy precipitation (rain, hail, snow / ice)
Solid mass-related
  • Landslide
  • Subsidence
Other
  • Geological / seismic (non-climate)
  • Biodiversity & protected areas
  • Climate / land-cover reference
  • ESG context

Sources include: WRI · JRC DRMKC · GIRI · Copernicus · EEA

Regulatory compliance

Built for the EBA & Pillar 3 stack.

Aligned with key documents' exact requirements.

Pillar 3 ESG Template 5 / 5A
Requirements

All banking-book exposures

Our approach

Coverage for both real-estate collateral (address) and non-financial corporates

Pillar 3 ESG Template 5 / 5A
Requirements

Four hazard classes, NUTS 3 / NUTS 2 segmentation

Our approach

All four hazard classes covered, NUTS classification for any address

EBA Guidelines on the management of ESG risks
Requirements

Geographical location of counterparty key assets

Our approach

Key-asset discovery for any non-financial corporate

EBA Guidelines on the management of ESG risks
Requirements

Multi-hazard, multi-scenario analysis

Our approach

Hazard layers and scenarios from the institutions referenced in the Guidelines

EBA scenario analysis · ESA ESG stress testing
Requirements

Short- and long-term (>10 yr) stress horizons

Our approach

Multiple time-spans for every hazard type

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