Lenders
D-Risk

Consortium delivers pioneering climate analysis for RBS

Leading a consortium of partners, the D-Risk and CLSQ delivered a proof-of-concept climate change analysis suite for RBS. The pilot assessed property-level exposure across the bank’s retail mortgage book and helped lay the foundations for a longer- term climate risk strategy.

Get in touch
Get in touch

Requirements

RBS required a pilot that could assess property-level exposure across its retail mortgage book, looking at both current flood risk and future changes in risk using UK Climate Projections. The objective was to build a clearer evidence base for integrating climate considerations into lending and risk management.

Our Solution

D-Risk and CLSQ led a consortium of partners to deliver a pioneering proof-of-concept climate change analysis suite. The pilot brought together property-level exposure assessment, current flood risk analysis and future climate projections in a way that enabled RBS to begin evaluating risk across its book with greater depth and confidence.

The Results

The pilot is described as having catalysed and transformed the bank’s climate journey, placing RBS in a stronger position to respond confidently to the 2021 BES. The systems and approaches demonstrated through the project went on to form the basis of a longer-term strategy for integrating climate considerations into lending and risk frameworks. The proof of concept was also referenced in the 2019 RBS Annual Report.

Proof of concept
Delivered a pioneering climate analysis suite for retail mortgage exposure
Property-level insight
Assessed current and future flood risk using UK Climate Projections
Strategic impact
Helped shape RBS’s longer-term climate risk framework
Get in touch
Thank you for contacting CLSQ. One of our team will be in contact with you shortly.
Error! Please try again.
More Case Studies
View all Case Studies
View all Case Studies
When a missing Will emerged after an estate had been settled
After an estate had been administered on the basis of intestacy and fully distributed, a previously unknown Will surfaced. The resulting claim could have left the executor personally exposed, but executry bond cover stepped in to settle the matter and protect all parties involved.
Shawbrook Bank accelerates its focus on climate risk
CLSQ and D-Risk supported Shawbrook Bank’s long-term strategy for embedding climate risk into its lending and risk framework. The partnership helped strengthen climate management information and support quantitative scenario assessment and TCFD reporting.
Climate change business impact assessment for a UK lender
A UK lender needed a clearer view of how climate change could affect the flood risk profile of its commercial mortgage portfolio. D-Risk delivered a two-tier assessment that helped the lender understand portfolio exposure, identify high-risk assets and explore practical mitigation options to protect long-term value.
Whaley Bridge portfolio alert for a UK lender
When the Whaley Bridge reservoir incident created an urgent potential threat to homes and businesses, D-Risk was engaged by a leading UK lender to identify affected properties within its portfolio. Rapid geospatial analysis enabled the lender to assess financial exposure and support customers in the potential impact zone.