Are you carrying climate risk without knowing it?
Climate change is no longer just an environmental narrative - it's a financial signal. A signal that's already moving capital, premiums, ratings and disclosure timelines. Myplan8® turns that signal into something you can supervise.
Climate signal monitor
Q4 · 2026Acute
Transition
Chronic
Two threats, one balance sheet
Physical risk and Transition risk move at different speeds.
Most organisations watch one and ignore the other. Climate Risk by Myplan8® tracks both - and how they interact.
When the weather hits the balance sheet.
Acute and chronic climate events damage assets, halt operations and re-rate insurance - long before the first regulator arrives.
Flash floods
Asset write-downs, supply halts
Extreme heatwaves
Productivity loss, energy spikes
Cyclones & storms
Structural damage, claims surge
Drought & water stress
Operational continuity at risk
When the rules move faster than your plan.
Mandatory disclosures, carbon pricing and capital reallocation are re-rating who gets capital - and at what cost.
Mandatory disclosure
IFRS S1/S2, CSRD, BRSR
Carbon taxes & penalties
Margin compression, repricing
Stranded technology
Capex written off ahead of plan
Capital reallocation
Higher cost of green capital
The Tri-Lens Analysis Framework
How to look at climate risk - through three lenses, at once.
Double-materiality isn't one metric - it's the overlap of three. We measure each lens, then read where they intersect.
- Cost-of-energy %
Financial Lens
Energy and operational cost exposure as a share of EBITDA - the headline metric every CFO already tracks.
- Maturity index
ESG Lens
Environmental, Social and Governance maturity scored against the disclosure frameworks your jurisdiction actually requires.
- Goal coverage
SDG Lens
Mapping into the UN Sustainable Development Goals - the global vocabulary investors, partners and supervisors share.
Stress testing · The real numbers
What happens to credit losses and capital when climate actually shows up?
Pick a scenario. We'll replot Expected Credit Loss, risk-adjusted capital pricing and Net Interest Income at risk in real time.
Faster carbon pricing, mandatory disclosure tightening, capital reallocation.
Expected Credit Loss · normalised to baseline
Expected Credit Loss
+68%
vs. baseline
Risk-adjusted capital
+95 bps
pricing uplift
Net Interest Income at risk
11%
over 12 months
Risk classification spectrum
Where do you sit on the climate risk spectrum?
A single, comparable grade that maps directly onto the same vocabulary your bank, auditor and supervisor are already using.
Green Leader
Low climate risk
Disclosure-ready, transition-aligned, benchmark in your sector.
Green Transition Ready
Moderate risk
Pathway is credible. Capital is accessible. Filings flow without rework.
Brown-to-Green
Transition candidate
Material gaps in data or actions. Roadmap is the priority.
High Climate Risk
Active exposure
Re-rating risk on capital, ratings and procurement qualification.
From intelligence to action
Your climate risk roadmap.
Seeing risk is the first move - not the last. Here's the sequence we've seen work, across three horizons.
Immediate action
Stop flying blind. Get the signal flowing into the same dashboards the risk team already reads.
- Establish a climate risk watchlist by sector and geography
- Stand up dynamic scoring for top exposures
- Wire alerts into the existing risk committee cadence
- Tag every disclosure pack with method ID and timestamp
Short-term
Convert the signal into priced action - insurance, financing and product structures that respond to the risk.
- Insurance review against acute physical risk
- Transition financing options (solar, efficiency, retrofit)
- Climate-adjusted pricing on new origination
- Joint sustainability + risk reporting cadence
Medium-term
Reshape the book. Move from defending the existing portfolio to actively allocating into the transition.
- Strategic portfolio rebalancing by climate score band
- Capital allocation tied to verified transition pathways
- Sector-level decarbonisation roadmaps with milestones
- Public commitments backed by audit-grade evidence
Run a climate risk read
Stop carrying climate risk you can't see.
Bring your portfolio. In a 30-minute working session we'll baseline the climate score, walk you through the pillar gaps, and stress-test it under physical and transition shocks.
You walk away with
Baseline climate score
Where you sit on the spectrum, today
Pillar-by-pillar gaps
Financial, ESG, SDG - what's pulling you down
Scenario stress preview
ECL, capital and NII under transition + physical
24-month action plan
Sequenced across the three horizons