Physical Climate Risk & Climate Adaptation Data for Corporate & Investment Banks

Climate X’s end-to-end climate risk solutions drive business value for Corporate & Investment Banking include:

• Spectra, physical risk platform translating physical climate hazards into financial loss metrics at the portfolio and asset level.
• Adapt, climate adaptation planning platform quantifying assets' adaptation investment capital expenditure and ROI.

Climate X’s Solutions deliver business value to Corporate & Investment Banks by translating complex climate risks and adaptation questions into clear metrics and actionable insights. 

• Measure and report risks with Spectra, integrating physical risk assessments across banking and trading books.
• Mitigate those risks with Adapt, exploring high-ROI adaptation measures and CapEx requirements for high-risk assets.

With our scalable SaaS solution, you identify at-risk locations across global markets with precise data on physical climate risks (Spectra), and understand how targeted climate adaptation measures can mitigate those risks and safeguard long-term value (Adapt).

With practical, business-relevant data and metrics, you can truly leverage physical risk insights to make your business more resilient to the physical impacts of climate change.

Absolutely. Climate X's solutions are "self-serve": you can run assessments and access the data on your own, easily.

We have a user-friendly desk-based platform, and/or access via Enterprise API and SFTP for high volumes.

• Access data anytime and independently, at both portfolio and asset levels.
• Eliminate ESG surveys with automated processes and full visibility.
• Quickly identify risks, accelerate due diligence, and develop financing options for client adaptation — all from your desk, saving consultancy costs.

This streamlined approach simplifies client engagements, enabling you to help clients build resilience. A win-win for everyone.

Climate X Spectra combines physical climate risk modelling with a proprietary database of building data for 1.5 billion assets to deliver actionable financial impact insights:

• Glass-box transparency ensures visibility into the data, science, and MRM-aligned methodology. 
• Assess portfolios using NGFS-aligned warming scenarios (SSPs, RCPs), with projections to 2100 and coverage of 11 hazards globally.
• 1.5B buildings mapped with property vulnerability data feeding into damage curves. Full transparency to the property data and how it influences losses + customization options.
• Classification systems (GRESB, NACE, NAICS, and OED) provide default values for size, cost, and hazard exposure, with the option to upload custom asset data.

These insights seamlessly integrate into originations, risk management, and compliance, translating physical risks into financial impacts based on individual property characteristics.

Adapt’s mitigation action assessments help Corporate & Investment banks:

• Understand how focused climate adaptation strategies reduce physical risks to protect long-term asset value.
• Generate new lending opportunities by developing adaptation measures.
• Meet sustainability targets and de-risk properties to preserve marketability.
• Comply with sustainable finance disclosure requirements.

Built on ISO 14090/14091, academic literature, UNFCCC, and EU guidance and taxonomy, Adapt supports your sustainable financing with insights on asset adaptation, implementation costs, benefits, and return on investment.

• Assess de-risking options for selected assets with the available adaptation measures.
• Identify the highest ROI options over 1-year and 10-year periods.
• Review CapEx requirements and the de-risking impact of your adaptation measures.

As financial regulations increasingly focus on physical risk, Climate X supports compliance with granular, actionable data to support:

• Pillar 3 disclosures & RAS
• Pillar 2 Capital Buffer Stress Testing, ICAAP
• Pillar 1 Provisions Credit ECL / IFRS9
• Stress Testing, ICAAP, and CCAR calculations
• Annual reports, ESG / Sustainability reports

 Our solutions align with:

• International regulations (e.g., TCFD, ISSB IFRS S2)
• Regional regulations (e.g., ECB C&E 2020 Guide, CSRD, MAS, SEC)
• EU Taxonomy hazard library
• NGFS pathways