Climate X：2024银行业气候风险管理操作手册（第2版）（英文版）（172页）.pdf

1、Operation Manual:Climate Risk for the Banking Industry Version 2ContentsUsing the Operating Manual:The Purpose of this Document.6Climate Change:The State of Play.8The Earths climate has changed throughout history.10Present and Future Consequences.11Climate Risk 101.12Physical Risks.14Often Undermana

2、ged and Underreported.15Acute vs Chronic Physical Weather Events.15Transition Risks.16Climate Policies.16Investor Sentiment.16Consumer Sentiment.16A Call to Action:The Need for Resilience.18Adaptation vs Mitigation.20How Climate Risk Impacts the Banking Sector.21Existing Climate Risk Integration.22P

3、olicymakers Stepping In.23Governance and Culture.27Strategy and Business Model.28Climate-Related Risk Drivers for the Financial System.29How Climate Risks Impact the Banking Sector.34Retail Banks.36Mortgages.36The Impact to Loss Given Default(LGD).36Capital.37Impairment.39Portfolio Monitoring and Ma

4、nagement.39Originations.40Energy Performance Certificate(EPC)Ratings.41Corporate Banking.42Asset Mapping/Supply Chain.42Bank Credit Exposures to Non-Financial Corporations(NFC).43International Cooperation.44International Institutions.46Global Initiatives.474Operation Manual:Climate Risk for the Bank

5、ing Industry V2Countries Specificities.50The U.S.52Canada.56Europe.60The United Kingdom.66Germany.70France.74Spain.78Portugal.82Denmark.86Sweden.90Norway.94Finland.98Hong Kong.102Japan.106South Korea.112Singapore.116Indonesia.120Australia.124New Zealand.128A Deep Dive-The Cost of Climate Change.134F

6、inancial Costs.136Business Disruption.137Reputation.138Poor Investments.139Human Displacement.140Social Inequalities.141Opportunities.142Industry Learnings.144Climate Scenario Analysis.146Climate Biennial Exploratory Scenario(CBES).148Climate Physical Modelling.149Climate Risk Integration.150Glossar