Carbon, ESG & Climate Risk Tools for Banks
Financed Emissions. Climate Risk. ESG Scorecards. Sustainable Finance.
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Financed
Emissions
Robust PCAF-compliant financed emissions platform coupled with a state-of-the-art EF library and a comprehensive data registry — ensuring precise, accurate and auditable emissions attributions across all asset classes and data quality levels.
ESG & Carbon Reporting
Ingest ESG and Scope 1-3 data across over 20k+ ingestion entities, leverage advanced integrations, custom analytics dashboards and highly configurable reporting templates that leverage advanced automation, collaboration and AI assistance.
Climate Risk
Stress Testing
Run detailed forward-looking stress tests under NGFS, IPCC and custom scenarios to assess credit risk metrics and capital adequacy buffers across the portfolio. Execute on stress tests that are in line with regulatory expectations and can tie into ICAAP processes.
Workflow Integration
Seamlessly integrate with core banking and loan systems to securely access data in real time. Incorporate FE, ESG and climate risk screening as part of loan diligence and leverage these native capabilities to offer new sustainable finance products like SLLs.
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Financed Emissions Dashboards
Measure, analyze, manage and disclose portfolio emissions from lending activities using PCAF-aligned methodologies and global reporting standards.
Climate Risk & Opportunity Insights
Assess climate and nature-related risks across portfolios while uncovering emerging sustainable finance opportunities.
Resilience Roadmaps
Set science-based targets and build actionable, sector-specific pathways to systematically drive portfolio risk mitigation efforts.
Stakeholder Transparency
Streamline ESG data collection via the integrated data registry and counterparty survey tools for improved ESG assessment and reporting accuracy.
Regulatory-Ready Disclosures
Simplify, automate and accelerate sustainability and risk reporting across a variety of regulatory and voluntary disclosure standards.
Single Source of Truth for
Global Compliance
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Case Studies
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ESG, Financed Emissions and Climate Risk at a Japanese Financial Institution
A leading Japanese financial institution was interested in baselining their ESG, climate risk and Scope 3 emissions (including portfolio emissions) despite having limited data available.
Time-to-Value
<6 months to complete ESG baselining, portfolio emissions assessment and climate risk assessment
Actionable Analytics
Operations and portfolio target-setting initiated using baselining results with the leadership and board to achieve climate objectives.
Built-for-Purpose
Scope 3 computation leveraged existing data to ensure actionable output, with accompanying data gap analysis.
Client ROI
Client started to incorporated risk insights into lending strategy as part of a multi-year risk management and decarbonization journey
ESG and Portfolio Emissions Management at a Private Indian Bank
A leading private sector bank in India sought to enhance its ESG data management capabilities to meet evolving regulatory demands and align with global sustainability frameworks. The objective was to streamline the ESG and carbon data collection and reporting processes in order to enable data-driven sustainability decision-making across its operations and portfolio.
Time-to-Value
<4 months to complete ESG baselining, portfolio emissions assessment with platform go-live
Assurance Ready
Automated disclosure tools enabled a significant reduction in the time, effort and errors in data collection and computation
Data Assimilation
Over 70+ ESG and carbon metrics were aggregated across 3000+ entities
Client ROI
The platform unlocked internal capacity at the bank to conduct on-demand ESG and carbon assessments with targeted insights.
ESG Data Management for a Top 5 Indian Bank
A top bank in India sought to streamline ESG data integration, enhance automation in reporting, and achieve compliance with evolving regulations. The organization wanted to migrate their existing workflows to the ESG platform, ensuring a highly secure and automated platform for their sustainability and operations teams to use.
Efficiency Gains
Up to an 80% reduction in manual effort as a result of improved ESG data ingestion and automated processing.
Enhanced Security
Specialized user access protocols and RBAC mechanisms ensured that access was controlled in accordance with the clients rigorous IT requirements.
Actionable Insights
Rich analytics spanning ESG trends and emissions hotspots from business operations, paired with industry benchmark of key metrics
Client ROI
Assurance-readiness across 9000+ ingestion entities as a result of automated mapping of proofs (e.g. receipts) and the flagging of anomalies
Product Sustainability for a Top 5 Bank in India
A top bank in India was looking to quantify the comparative emissions impact between a card transactions and cheque book transactions to analyze emission hotspots in the product lifecycle sand explore opportunities to make systemic emissions reductions.
Time-to-Value
<3 months to complete the simplified life-cycle assessment for both products
Built-for-Purpose
Research-backed models were deployed to close data gaps where there was limited primary data (while propagating uncertainty)
Best-in-Class
A comprehensive library of country-specific life-cycle impact assessment factors were leveraged to provide an accurate and precise assessment.
Client ROI
The engagement kick-started their journey towards product sustainability and outlined clear interventions associated with both products.
Portfolio Emissions & Net Zero Targets for an Indian Bank
A leading private bank in India requested support to compute their financed emissions at loan level and set targets for their portfolio in line with their SBTi commitment.
Time-to-Value
<6 months to complete Financed Emissions and Target Setting across their entire portfolio
Portfolio Coverage
The assessment covered 100% of their corporate portfolio for FE computations, including sectors not covered by PCAF such as agriculture
Actionable Intelligence
A decarbonisation strategy was developed by working with a a variety of internal stakeholders to kick-start their journey to NetZero
Client ROI
One of the first banks in India to set a Net-Zero target for their entire lending and investment portfolio
Decarbonization Roadmap for Top 5 Indian Bank
One of the top banks in India requested support to project their carbon emission footprint, set operational sustainability targets and develop a decarbonization roadmap.
Time-to-Value
< 4 months to complete the entire project, in time for the bank to publish their targets as part of their annual report.
Budgets Approved
Based on the analysis, the bank’s board and management approved the required budget to begin the decarbonization journey in less than 2 months
Cost Savings
Multi-million dollar cost savings were identified via the analysis as a co-benefit to the emissions reduction strategy
Client ROI
An ongoing data-driven decision-making framework that enables the bank to alter strategy based on market conditions.
Carbon, ESG and Climate Risk Assessment for an Indian NBFC
A leading Indian NBFC wanted to baseline their carbon and ESG metrics, across their operations. They also wanted to conduct a portfolio-level climate risk assessment.
Time-to-Value
<6 months to complete ESG baselining, portfolio emissions assessment and climate risk assessment
Target-setting
Targets were structured with board and leadership using the baselining results with the goal of achieving their climate objectives.
Built-for-Purpose
Given the limited availability of data, the scope 3 analysis was conducted using limited portfolio financial data, leveraging proxies and propagating uncertainty when appropriate.
Client ROI
The resulting risk insights were incorporated into the multi-year portfolio lending strategy planning process.
Financed Emissions for a Top 5 Indian Bank
One of the top banks in India wanted to measure their financed emissions to meet upcoming regulatory requirements and set a baseline for a Net-Zero action plan.
Time-to-Value
<3 months to complete Financed Emissions across entire portfolio.
Built-for-Purpose
Given the limited data available, calculations were conducted at the appropriate data quality (Score 4/5) by only using financial data from the LMS.
Portfolio Coverage
100% sectoral portfolio coverage for FE computations including sectors not covered by PCAF such as agriculture.
Client ROI
Kick-started a multi-year journey to adapt lending processes to collect better sustainability data and drive decarbonization via their lending.
Climate Risk and Financed Emissions for a Top 5 UAE Bank
A top bank in the UAE partnered with StepChange to measure its financed emissions for key lending portfolios and conduct a climate risk stress test in accordance with the CBUAE’s 2025 regulatory requirements.
Time-to-Value
<6 months to establish a emissions baseline by standardizing data protocols, rationalizing sector classifications, and aligning computation methodology with PCAF guidelines.
Regulatory Alignment
Delivered a CBUAE-compliant data template and methodology report, enabling alignment with regulatory expectations and internal validation.
Portfolio Coverage
Emissions assessed for AED 250 billion+ portfolio, covering home, vehicle, and corporate loans across multiple sectors.
Client ROI
Reduced reliance on Score 5 data, with significant movement to Score 4 and Score 2, reflecting stronger data quality and granularity.
