Policies & Regulations Blake Goud Policies & Regulations Blake Goud

Financial Institutions May Be Lulled Into Complacency By Climate Stress Test Results

  • The UK’s Institute & Faculty of Actuaries (IFoA) says users of climate risk models may put too much weight on the results of scenarios selected for regulatory stress tests

  • Financial institutions should use a diversity of climate scenarios, both quantitative and qualitative, to ensure that the outputs are consistent with the economic implications of physical climate impacts in a ‘hot house’ world

  • Many models using traditional economic modeling applied to climate change scenarios produce overly benign results that significantly understate the true risk that financial institutions face

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Policies & Regulations Blake Goud Policies & Regulations Blake Goud

As Regulators Take Stock On Transition Plans, Financial Institutions Should Begin Their Own Planning

  • The NGFS released a Phase 1 stock take of the use of transition plans for micro-prudential supervision and laying out next steps

  • Transition plans for non-financial companies are substantially different than what financial institutions will prepare, and most of the finance industry is underprepared as regulators begin to probe ways to use them

  • Regulators and supervisors will place particular emphasis on making sure less resourced financial institutions in emerging & developing markets are able to effectively plan their role in transition

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Policies & Regulations Blake Goud Policies & Regulations Blake Goud

Climate Disclosures Heighten The Risk To Companies That Aren’t Planning Financing For Their Transitions Today

  • High-emissions companies already face less appetite from banks to lend to them, according to a study by BIS researchers using data on Japanese banks

  • Greater regulation on climate disclosures, especially for companies in Islamic markets, is going to increase the scopes of emissions that impact bank evaluations of companies’ climate risks

  • Increasing physical risk outcomes that hurt banks’ financial strength will amplify the impact of more and better disclosures of emissions

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Policies & Regulations Blake Goud Policies & Regulations Blake Goud

The new ASEAN Taxonomy incorporates a ‘coal phase-out’ classification to support more transition finance

  • The second version of the ASEAN Taxonomy outlines the conceptual framework in more detail about how countries at widely varying levels of economic development can align taxonomies under a regional framework

  • The ‘coal phase-out’ plan is one of the most eagerly awaited in light of prominent initiatives like the Energy Transition Mechanism and Just Energy Transition Partnerships (JETPs) that progressed during Indonesia’s presidency of the G20

  • As ASEAN member states adopt their own taxonomies, the practical challenges for the financial sector to navigate diverse national taxonomies and align with the ASEAN Taxonomy will be a challenging element as the region makes investment in the climate transition

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