Physical risk

Turnkey solution for full banking book.

Any company, any address.

Tackling the most common problems in physical risk assessment

ProblemOur solution
Lack of data on companies’ key assetsWe find assets for any company. You provide a name or identifier; we build the asset list with full details.
Cumbersome technical implementation of hazard layersOur API lets you enter any address or location and get a full risk picture using the hazard datasets mentioned in the Pillar 3 ITS.
Black box risk methodologiesWe are fully transparent about the assumptions in our risk engine. You can configure them to your specifications.

Turnkey solution

Coverage for the full banking book.

Mortgage and SME-lending book

  1. Any address / location

    API, Snowflake, Databricks, SFTP etc.

  2. Klever Risk Engine

    50+ hazard layers, transparent and configurable.

  3. Risk score with full detail

    Hazard-level scores across climate scenarios.

Large and mid-sized corporate lending book

  1. Any company

    Just a company name or identifier

  2. We find all key assets

    Asset details and precise locations.

  3. Klever Risk Engine

    50+ hazard layers, transparent and configurable.

  4. Risk at each asset location

    Detailed asset scores and an aggregate company score.

Our service

Our approach to physical risk.

Asset data with full company coverage, a transparent and configurable methodology, and a visual interface for risk analysis.

Full company coverage
We find the key assets of every company you ask about. Full coverage of your company list, guaranteed.
Detailed, verified asset data
Key data for every asset, down to NUTS 3, verified by two humans and traced to company reporting or another authoritative source. You have a say in what gets collected.
Extensive hazard layers
All of our hazard layers, plus any open-source layer you request. You get the exact layers you want.
Transparent physical risk scores
Asset-by-asset assessment, aggregated to company level as key assets at risk, exposure score and earnings-at-risk — built for Pillar 3 reporting, EBA guidelines and stress testing. You understand the methodology and can refine it to your specifications.
Klever Workbench interface
Map view of company assets overlaid with hazard layers, for risk analysis and client advisory alike. You see and can modify the full data.

Hazard coverage

50+ hazard layers

Aligned with Pillar 3 ITS and EBA requirements — all four hazard classes, from official sources, for the historical climate and forward-looking scenarios.

Map of southern Denmark with modelled flood depth shaded in blue along watercourses
Water-related

Flood

Local and global flood maps for any address or key asset, at multiple return periods and climate scenarios.

Map of the Nordics and Baltics with wildfire hazard shaded from pale to deep red
Temperature-related

Wildfire

Wildfire hazard from official European and global fire-danger data, screened across the whole book.

Map of Iberia and southern France with drought duration shaded orange to red
Water-related

Drought

Drought hazard from established global indices, for the historical climate and forward-looking scenarios.

Map of the Gulf of Mexico and Caribbean with cyclone wind speed bands by storm category
Wind-related

Tropical cyclone

Global cyclone and storm wind hazard, at multiple return periods and climate scenarios.

Map of Oslo with landslide susceptibility highlighted along the valley slopes
Solid mass-related

Landslide

Landslide, subsidence and seismic layers from official geological data, historical and forward-looking.

Map of central Sweden with Natura 2000 protected sites outlined in red and blue
Other

Protected areas

Protected areas and biodiversity designations, for the environmental risks the EBA Guidelines reach beyond climate.

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

Global, European and national sources include: WRI Aqueduct · GIRI · World Bank · JRC DRMKC · Copernicus · EEA · IPCC · MSB · NVE · Kartverket

Map imagery © Mapbox · © OpenStreetMap contributors · © Maxar

Regulatory compliance

Built for the EBA & Pillar 3 stack.

Aligned with the EBA Guidelines and revised Pillar 3 ESG templates.

Pillar 3 ESG · EU CRFR2

Requirements

Large institutions: physical risk exposures by industry, country and hazard type — temperature, wind, water and solid mass.

Our approach

Company and collateral asset data: key asset locations and exposure to all four hazard types.

Pillar 3 ESG · EU CRFR2.1

Requirements

Other listed institutions and large subsidiaries: physical risk exposures by industry and country, without a hazard-type split and with two maturity buckets.

Our approach

The same company and collateral asset data supports the simplified physical risk template.

Pillar 3 ESG · EU CRFR2 / CRFR2.1

Requirements

Precise geolocation of assets and activities, at a minimum NUTS 3, for risk assessment. Disclosures are by country.

Our approach

Geocoded company assets and collateral addresses, with NUTS classification for each location.

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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