Solutions
ESG Risk in Banking
Oblira turns your bank's own ESG risk policy into a working system — from counterparty data to an ESG-adjusted credit decision and every regulatory disclosure, collecting each data point once. Always your own methodology, never an external rating.
Coverage
EBA/GL/2025/01
Guidelines on the Management of ESG Risks
Pillar 3
ESG Disclosures under CRR3 (Article 449a)
EU Taxonomy
Green Asset Ratio & Banking Book Taxonomy Alignment
SFDR
Sustainable Finance Disclosure Regulation
CSRD E1
Financed Emissions Disclosure
Oblira runs the bank's own ESG risk policy across the existing portfolio of clients and on every new application.
1
Counterparty data, collected once
Questionnaire, registries, and geospatial risk in one profile.
2
Your thresholds and rules, applied
Configured once, applied identically across the portfolio.
if transition risk > threshold → extended due diligence
New Applications
→Internal classification returned by API
→PD, LGD, collateral and pricing adjusted
→DD report attached to the loan file
Existing Portfolio
→Pillar 3 templates
→EU Taxonomy, SFDR PAI
→CSRD ESRS E1 financed emissions
Engagement that proves — not just tracks
When a borrower's classification improves, the gain is attributed to the action that caused it — evidence of transition-plan progress, not just intent.
How it works
01
Configure your methodology
Your thresholds, criteria, and escalation paths, set once.
02
Assess counterparties
Data collected once, classified against your own framework.
03
Embed in the credit decision
ESG-adjusted PD, LGD, collateral, and pricing, returned to the loan file in real time.
04
Report to every regulator
Pillar 3, EU Taxonomy, SFDR, and CSRD generated from the same dataset
What you get
0%
Portfolio coverage, day one
Every exposure scored, not just new loans.
0
Undocumented risk factors
Every factor sourced and dated.
0
Climate risk types scored
Physical and transition risk, assessed by site.
0
Stress-test outputs
Expected loss and capital impact, in one pass.
Oblira
© 2026 Oblira · All rights reserved
Oblira @ Purpose Built Group / Provided references from clients of PBG.