{"id":699753,"date":"2025-09-24T05:48:35","date_gmt":"2025-09-24T05:48:35","guid":{"rendered":"https:\/\/www.capgemini.com\/gb-en\/?post_type=research-and-insight&#038;p=699753"},"modified":"2026-01-22T07:43:02","modified_gmt":"2026-01-22T07:43:02","slug":"from-risk-to-resilience-embedding-climate-intelligence-in-financial-decisions","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/from-risk-to-resilience-embedding-climate-intelligence-in-financial-decisions\/","title":{"rendered":"From risk to resilience: Embedding climate intelligence in financial decisions"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/risk-resilience-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Sustainability<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">From risk to resilience: Embedding climate intelligence in financial decisions<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Reimagining financial services in a climate-influenced world<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/BPFM_V2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download the POV<\/span><span class=\"type\">6 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insightu0026p=1159597\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insightu0026p=1159597\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-why-climate-risk-is-the-new-credit-risk\">Why climate risk is the new credit risk<\/h2>\n\n\n\n<p>Climate risk has moved from the headlines into the balance sheets of financial institutions. For decades, credit models and financial stress tests have helped institutions decide who to lend to, where to invest, and how to optimise their financial resources. But the next major risk factor isn\u2019t about creditworthiness or market volatility. It\u2019s about something even less predictable: the climate.<\/p>\n\n\n\n<p>Climate risks don\u2019t stop at the flood, fire or drought itself. They ripple outward, disrupting supply chains, cutting off access to raw materials and delaying production. A hurricane in the Gulf of Mexico doesn\u2019t just damage property \u2013 it halts shipments of chemicals and plastics used worldwide. A drought in Latin America doesn\u2019t just affect crops \u2013 it drives up input costs for food companies across the globe. Those downstream effects eventually land in lenders\u2019 portfolios as increased default risk and reduced Return on Equity.<\/p>\n\n\n\n<p>Even \u201cstable lending\u201d \u2013 including financing sustainable operations or transition projects \u2013 carries climate risk. A borrower\u2019s net-zero transition plan can falter if supply chains collapse, new technologies underperform or extreme weather interrupts operations. When that happens, the bank carries the default risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-evidence-on-the-ground\">Evidence on the ground<\/h2>\n\n\n\n<p>The testimonies are already here. In 2022, Europe faced its worst drought in 500 years. Water levels on the Rhine dropped so low that cargo ships could only sail at 25% capacity, delaying deliveries and driving up costs across multiple industries.<sup>1<\/sup> That same year, the Mississippi River ran so shallow that more than 2,000 barges were stranded until dredging crews cleared a path. The impact was an estimated $20 billion in economic damage.<sup>2<\/sup> And in the American Southwest, scientists say the region is amid its driest period in 1,200 years.<sup>3<\/sup><\/p>\n\n\n\n<p>For financial institutions, sustainability isn\u2019t just about greening their own operations. It\u2019s about understanding the climate exposures built into borrowers\u2019 business models, supply chains, and transition plans. Climate risk has already become the new credit risk. The challenge now is measuring it quickly and accurately enough to manage it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-layers-of-climate-risk\">The layers of climate risk<\/h2>\n\n\n\n<p>Financial institutions face physical and transition risks on multiple levels. It shows up in their own operations, the loans they extend, and the portfolios they manage. To make sense of it, we can think of three tiers of risk.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-layer-1-the-bank-as-an-entity\">Layer 1: The bank as an entity<\/h4>\n\n\n\n<p>Banks are physical entities. Offices, data centers, and branches all sit in locations exposed to floods, heatwaves or wildfires. This is the simplest level of climate risk. If a critical facility goes offline, the disruption is real.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Best practices for modeling:<\/strong> These exposures can be mapped and monitored, helping institutions put the right mitigation and continuity plans in place.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-layer-2-portfolio-wide-exposure\">Layer 2: Portfolio-wide exposure<\/h4>\n\n\n\n<p>The middle layer is the hardest and the most integral. Banks hold diverse exposures: trading books, real estate, private equity, and corporate loans. These are often managed in silos, which makes it difficult to see the aggregate climate risk picture.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Best practices for modeling:<\/strong> By integrating geospatial data, financial modeling, and robust scenario analysis and stress testing capabilities, banks get a consolidated portfolio-wide view. That\u2019s what allows leadership teams to make informed, top-down decisions.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-layer-3-sustainable-lending\">Layer 3: Sustainable lending<\/h4>\n\n\n\n<p>This is where climate risk starts to cut deep. Transition finance and net-zero loans are tied directly to the borrower\u2019s ability to change their business model. If that borrower faces a climate disruption or fails to transition, the loan defaults.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Best practices for modeling:<\/strong> Banks can stress test borrowers under different climate scenarios, define risk appetite, and structure financing terms that balance growth with resilience.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-makes-climate-risk-modeling-effective\">What makes climate risk modeling effective<\/h2>\n\n\n\n<p>Climate models only matter if the results are clear, credible, and useful for decision-making. The most effective approaches share five traits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accuracy:<\/strong> Global climate datasets provide the baseline \u2013 but without local refinement, they miss the risks that matter most. A global flood model might flag \u201cWestern Europe,\u201d but a local dataset pinpoints which rivers are at risk and which industrial zones sit on their banks.<\/li>\n\n\n\n<li><strong>Integration:<\/strong> Too often, sustainability teams, risk managers, and finance teams use different tools. The result is duplicated effort and inconsistent numbers. Effective models unify data streams so everyone works from a single source of truth.<\/li>\n\n\n\n<li><strong>Speed:<\/strong> Risk teams can\u2019t wait weeks for reports. Scenario testing has to be quick, repeatable, and flexible enough to answer boardroom questions in real time.<\/li>\n\n\n\n<li><strong>Translation:<\/strong> Climate science is technical. Investors and executives need financial metrics. Effective models translate \u201c2\u00b0C warming\u201d into tangible outcomes like default probabilities, portfolio value-at-risk, and Return on Tangible Equity.<\/li>\n\n\n\n<li><strong>Validation:<\/strong> Internal models matter, but they rarely stand alone. External validation builds confidence, highlights blind spots, and strengthens credibility with regulators and shareholders.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-current-approaches-fall-short\">Why current approaches fall short<\/h2>\n\n\n\n<p>Financial institutions aren\u2019t choosing whether to model climate risk. Regulators and standard setters are already requiring it. Across the globe, the bar is high, and the timelines are real:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Corporate Sustainability Reporting Directive (CSRD)<\/strong> in the EU is live, mandating sustainability disclosures backed by data and scenario analysis.<\/li>\n\n\n\n<li><strong>The Task Force on Climate-Related Financial Disclosures (TCFD)<\/strong> has become a global baseline, already embedded in reporting regimes from the UK to Japan.<\/li>\n\n\n\n<li><strong>The International Sustainability Standards Board (ISSB)<\/strong> is rolling out standards that are rapidly being adopted across jurisdictions.<\/li>\n<\/ul>\n\n\n\n<p>Disclosures must be transparent, data-driven, and auditable. And they must keep pace with regulatory and investor expectations.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"514\" width=\"1024\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/RegHeatMap.png?w=960\" alt=\"reporting regulatory heatmap\" class=\"wp-image-699754\" srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/RegHeatMap.png 1400w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/RegHeatMap.png?resize=300,151 300w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/RegHeatMap.png?resize=768,386 768w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/RegHeatMap.png?resize=1024,514 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-translation-gap\">The translation gap<\/h3>\n\n\n\n<p>Climate science doesn\u2019t map neatly to financial statements. A \u201c2\u00b0C warming scenario\u201d might sound academic, but what does it mean in practice? Does it raise the default probability of a regional agribusiness loan by 5%? Does it change the value-at-risk of a corporate portfolio by $100 million? Bridging this gap requires models that connect climate inputs to financial outcomes in a language that boards and investors can understand.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-siloed-processes-inefficient-tools\">Siloed processes, inefficient tools<\/h3>\n\n\n\n<p>Many banks already run climate models in-house, but the reality can be messy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Risk, finance, and sustainability teams working in silos.<\/li>\n\n\n\n<li>Data comes from scattered sources, often in different formats and assumptions.<\/li>\n\n\n\n<li>Models are immature, inconsistent, and rarely validated externally.<\/li>\n\n\n\n<li>Reporting is slow. By the time a stress test is completed, market conditions may have shifted and the opportunity to act may have passed.<\/li>\n<\/ul>\n\n\n\n<p>The result is disclosures that take significant effort and still struggle to deliver the depth regulators and investors increasingly expect.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-in-house-isn-t-enough\">Why in-house isn\u2019t enough<\/h3>\n\n\n\n<p>Financial institutions build smart models, but even the best internal teams face three recurring gaps:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Validation:<\/strong> Models need external benchmarking. Without outside validation, confidence is low, and regulators may question credibility.<\/li>\n\n\n\n<li><strong>Analysis:<\/strong> Models produce data, but not always the actionable insights boards and investors need. Institutions often struggle to turn climate metrics into portfolio-level decisions.<\/li>\n\n\n\n<li><strong>Perspective:<\/strong> Risk is rarely contained within a single team or dataset. What\u2019s needed is a 30,000-foot view that connects all the moving parts.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-benefits-of-getting-it-right\">The benefits of getting it right<\/h3>\n\n\n\n<p>The consequences of weak climate modeling are evident on the balance sheet. A factory loan written off after a flood, a borrower defaulting during a drought or a stranded asset dragging on valuation all translate directly into financial losses. Add reputational damage from insufficient disclosures, and the cost compounds.<\/p>\n\n\n\n<p><strong>On the other side, the return on equity of getting it right is tangible:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" height=\"418\" width=\"1024\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/fs-sustainability-success.png?w=960\" alt=\"success of getting sustainability right in FS\" class=\"wp-image-699755\" style=\"width:900px\" srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/fs-sustainability-success.png 1400w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/fs-sustainability-success.png?resize=300,122 300w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/fs-sustainability-success.png?resize=768,313 768w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/fs-sustainability-success.png?resize=1024,418 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>That\u2019s the real reason current approaches fall short: they don\u2019t just slow compliance \u2013 they also put financial performance at risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-your-climate-modeling-ready\">Is your climate modeling ready?<\/h2>\n\n\n\n<p>A quick self-check for risk, finance, and sustainability teams:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Integration:<\/strong> Is your data shared across risk, sustainability, and finance, or are teams working in silos?<\/li>\n\n\n\n<li><strong>Speed:<\/strong> Can you run climate scenarios in hours, not weeks?<\/li>\n\n\n\n<li><strong>Translation:<\/strong> Do your models turn climate events into credit risk, default probabilities, and financial loss?<\/li>\n\n\n\n<li><strong>Validation:<\/strong> Have your models been benchmarked externally to identify blind spots?<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Are you testing across all three tiers of risk: entity, lending, and portfolio?<\/li>\n<\/ul>\n\n\n\n<p>If the answer is \u201cno\u201d to any of the above, your institution may struggle to meet regulatory expectations and miss opportunities to turn climate insight into business strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-effective-hybrid-models-deliver\">What effective hybrid models deliver<\/h2>\n\n\n\n<p>Forecasting alone won\u2019t prepare financial institutions for climate risk. What\u2019s needed is a hybrid approach that combines top-down analysis with bottom-up detail, linking climate science to financial outcomes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-strong-hybrid-model-delivers-three-things\">A strong hybrid model delivers three things:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Probability:<\/strong> How likely is a flood, drought or wildfire in a borrower\u2019s region?<\/li>\n\n\n\n<li><strong>Impact:<\/strong> If it happens, what are the consequences for revenue, supply chains or repayment ability?<\/li>\n\n\n\n<li><strong>Options:<\/strong> What\u2019s the difference between doing nothing, responding late or having a mitigation plan in place?<\/li>\n<\/ul>\n\n\n\n<p>Every scenario should be stress tested and back-tested, with accuracy improving as new data becomes available. When done right, this gives institutions both a broad view of macroeconomic shocks and a granular lens on portfolio or asset-level exposure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-capabilities-of-a-modern-hybrid-platform-include\">Key capabilities of a modern hybrid platform include:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Data integration:<\/strong> Pulling in APIs, geospatial data, and manual inputs.<\/li>\n\n\n\n<li><strong>Regulatory flexibility:<\/strong> Supporting multiple jurisdictions and templates.<\/li>\n\n\n\n<li><strong>Scenario management:<\/strong> Creating, cancelling, and replaying simulations on demand.<\/li>\n\n\n\n<li><strong>Sandbox + production:<\/strong> Experimenting without disrupting live operations.<\/li>\n\n\n\n<li><strong>Scalable analytics:<\/strong> Running heavy simulations quickly and at scale.<\/li>\n\n\n\n<li><strong>Collaboration:<\/strong> Risk, finance, and sustainability teams all working from the same view.<\/li>\n<\/ul>\n\n\n\n<p>The payoff is speed and confidence. Stress tests that once took weeks can now be rerun in hours. And risk insights become clearer, enabling better lending choices, more resilient portfolios, and stronger conversations with regulators and shareholders alike.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-case-in-point-how-the-right-risk-model-could-have-flagged-the-rhine-drought\">Case in point: How the right risk model could have flagged the Rhine drought<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-event\"><em>The event<\/em><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In 2022, Europe\u2019s Rhine River dropped so low that cargo ships could only carry 25% loads.<\/li>\n\n\n\n<li>Entire industries stalled as raw materials and goods couldn\u2019t move.<\/li>\n\n\n\n<li>Losses ran into the millions.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-missed-risk\"><em>The missed risk<\/em><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many lenders hadn\u2019t modeled inland waterway exposure.<\/li>\n\n\n\n<li>Supply chain disruption cascaded into delayed revenues, weaker borrowers, and heightened default risk.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-with-the-right-risk-model\"><em>With the right risk model<\/em><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks could have adjusted exposure or contingency plans before the drought hit.<\/li>\n\n\n\n<li>Simulated low-water scenarios could have revealed choke points.<\/li>\n\n\n\n<li>Portfolio stress testing would have flagged borrowers who depended on Rhine shipping.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"569\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/sustainability-risk-model_e4e68b.png?w=600\" alt=\"\" class=\"wp-image-699756\" style=\"width:500px\" srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/sustainability-risk-model_e4e68b.png 600w, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/sustainability-risk-model_e4e68b.png?resize=300,285 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-way-forward-for-financial-institutions\">The way forward for financial institutions<\/h2>\n\n\n\n<p>Climate shocks are no longer rare disruptions. They\u2019re recurring stressors that affect borrowers, supply chains, and portfolios. For financial institutions, that makes climate risk a direct financial risk. Regulators know it. Investors expect it. Shareholders are asking for it.<\/p>\n\n\n\n<p>To keep pace, banks need more than fragmented spreadsheets or untested in-house models. They need speed, validation, and a single view of risk that connects climate science to financial metrics.<\/p>\n\n\n\n<p>Capgemini\u2019s Business for Planet Modeling (BfPM) was built with this challenge in mind. It helps institutions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Run climate scenarios quickly enough to inform real decisions.<\/li>\n\n\n\n<li>Validate and strengthen existing models.<\/li>\n\n\n\n<li>Integrate data across teams for a unified, credible view.<\/li>\n\n\n\n<li>Translate climate risk into the financial language that regulators and boards demand.<\/li>\n<\/ul>\n\n\n\n<p>Climate risk is here to stay. With BfPM, banks can stop treating it as an external shock and start managing it as part of business as usual.<\/p>\n\n\n\n<p>To learn more, explore <a href=\"https:\/\/www.capgemini.com\/solutions\/business-for-planet-modeling-with-google-cloud\/\" target=\"_blank\" rel=\"noreferrer noopener\">Business for Planet Modeling with Google Cloud<\/a>.<\/p>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Endnotes<\/h3><\/div><div class=\"expander-content\"><p>u003csupu003e1u003c\/supu003e European Commission \u201cu003ca href=u0022https:\/\/ec.europa.eu\/commission\/presscorner\/detail\/en\/mex_22_5123u0022 target=u0022_blanku0022 rel=u0022noreferrer noopeneru0022u003eDroughts in Europe in August 2022: severe rainfall deficit is affecting crops and increasing fire risksu003c\/au003e,\u201d August 22, 2022.u003cbru003eu003csupu003e2u003c\/supu003e Reuters \u201cu003ca href=u0022https:\/\/www.reuters.com\/world\/us\/mississippi-river-reopens-barge-traffic-after-low-water-closures-us-coast-guard-2022-10-10\/u0022 target=u0022_blanku0022 rel=u0022noreferrer noopeneru0022u003eMississippi River reopens to barge traffic after low water closures &#8211; U.S. Coast Guardu003c\/au003e,\u201d October 10, 2022.u003cbru003eu003csupu003e3u003c\/supu003e Nature \u201cu003ca href=u0022https:\/\/www.nature.com\/articles\/s41558-022-01290-z.epdf?u0022 target=u0022_blanku0022 rel=u0022noreferrer noopeneru0022u003eRapid intensification of the emerging southwestern North American megadrought in 2020-2021u003c\/au003e,\u201d March 2022.u003cbru003e<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/09\/Vaz-Nahl.jpg\" alt=\"Vaz Nahl\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Vaz Nahl<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Head of ESG for Financial Services, UK Advisory<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Vaz leads the ESG advisory practice in the UK and is the global\nGTM lead for Business for Planet Modelling for Financial Services.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2024\/09\/Edouard-Le-Bonte-Lorinquer.jpg\" alt=\"Edouard Le Bont\u00e9\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/edouard-le-bonte\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Edouard Le Bont\u00e9<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Sustainability Banking &amp; Capital Markets Portfolio Head<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/edouard-le-bonte\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Edouard leads the development of Capgemini\u2019s sustainability services for Banking &#038; Capitals Markets institutions. He works closely with global executives to accelerate their net-zero transition through enhanced climate risk modeling. He combines a deep sustainability expertise with extensive knowledge of financial services\u2019 strategy, portfolio development and risk management.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Reimagining financial services in a climate-influenced world<\/p>\n","protected":false},"author":439,"featured_media":699757,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":50,"primary_term":"Sustainability","featured_focal_points":""},"tags":[],"research-and-insight-type":[85],"theme":[34,50,427,349,391,93],"brand":[],"service":[352,354,126],"industry":[363,625,70],"partners":[132],"content-group":[],"class_list":["post-699753","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","theme-cloud","theme-data-and-ai","theme-esg","theme-innovation","theme-supply-chain","theme-sustainability","service-cloud","service-data-ai","service-sustainability","industry-banking-capital-markets","industry-financial-services","industry-insurance","partners-google-cloud"],"yoast_head":"<!-- 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