Services | PBCC

Analysis of the bank’s carbon profile and portfolio:

assessment of the bank’s direct emissions (Scope 1–2)
accounting for financed emissions (Scope 3, Cat. 15) in line with the PCAF methodology
identification of carbon-intensive sectors in the credit and investment portfolio

Diagnosis of climate risks and opportunities:

analysis of physical risks (extreme weather events, stress on assets and collateral)
analysis of transition risks (carbon regulation, CBAM, national decarbonisation plans)
identification of opportunities (sustainable finance, issuance of green bonds, ESG loans, support for low-carbon technologies)

Scenario modelling and strategic planning:

scenario analysis in line with TCFD and ISSB/IFRS S2
portfolio stress testing using NGFS/IEA scenarios
financial assessment of climate scenario impacts on capital, profitability and credit risk
identification of vulnerability areas and strategic priorities

Development of a climate strategy and roadmap:

formulation of targets for financed emissions reduction
integration of Net Zero commitments (under NZBA and GFANZ)
development of an initiative package: revision of credit policy, support for green projects, client engagement to reduce their carbon footprint
integration of climate KPIs into the bank’s risk management system and strategy

Integration and disclosure:

preparation of disclosures in reporting (TCFD, ISSB/IFRS S2, ESRS E1)
disclosure of financed emissions under PCAF
embedding climate objectives into corporate strategy, credit products and investment programmes
regular monitoring and updating of the climate strategy

A comprehensive climate strategy for the bank and a Net Zero roadmap.
Readiness for international and national requirements (ISSB/IFRS, ESRS, NZBA, CBAM).
Financial models and portfolio stress tests incorporating climate risks.
Reduced bank vulnerability through portfolio adaptation and credit policy adjustments.
Access to green financing and the issuance of sustainable financial instruments.
Strengthened trust from investors, regulators and international agencies.