Credit Risk - Mortgage Book
The Climate Risk Dashboard brings together EPC data, environmental risk indicators, and spatial analysis to give a clear view of climate-related exposure across your mortgage portfolio. Interactive mapping highlights flood vulnerability, insurability concerns, and regulatory alignment — supporting proactive risk management and long-term ESG planning.
Benefits
Increased Climate Risk Visibility - Provides a consolidated view of climate related risks across the mortgage portfolio.
Highlights Energy Efficiency Opportunities - Identifies properties with lower EPC ratings and highlights opportunities for energy efficiency improvement.
Improved Regulatory Oversight - Supports compliance with evolving regulatory and ESG reporting requirements.
Improves Portfolio Risk Awareness - Enables proactive assessment of environmental exposure and potential insurance risk concentrations.
Enhances Strategic Decision Making - Supports strategic lending and retention decisions using property level risk insights.