Financial Services
20.11.2025 | Deep-Dive
Managing Climate Risks
From Disclosure to Integration
H&Z advises financial institutions on embedding climate risks into credit, valuation, and governance decisions to ensure lasting resilience.
Banks that fail to operationalize climate risks face growing threats to credit quality, profitability, and compliance
Disclosure is not enough. Climate-related scenarios are rarely embedded in credit models, balance sheet steering, or stress testing. Legacy models fail to capture future risks, and missing data undermines effective decision-making.
H&Z offers a structured framework to embed physical and transition risks into credit decisions, collateral valuation, ICAAP, and governance structures.
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