{"id":6094,"date":"2024-07-30T13:54:15","date_gmt":"2024-07-30T16:54:15","guid":{"rendered":"https:\/\/banrisul.centralesg.com.br\/indicadores\/implicacoes-financeiras-e-outros-riscos-e-oportunidades-decorrentes-de-mudancas-climaticas-2\/"},"modified":"2024-11-29T13:16:07","modified_gmt":"2024-11-29T16:16:07","slug":"implicacoes-financeiras-e-outros-riscos-e-oportunidades-decorrentes-de-mudancas-climaticas-2","status":"publish","type":"indicador","link":"http:\/\/banrisul.centralesg.com.br\/en\/indicadores\/implicacoes-financeiras-e-outros-riscos-e-oportunidades-decorrentes-de-mudancas-climaticas-2\/","title":{"rendered":"Financial implications and other risks and opportunities due to climate change"},"content":{"rendered":"\n

201-2 a) Risks and opportunities posed by climate change that have the potential to generate substantive changes in operations, revenue, or expenditure, including:<\/strong><\/p>\n\n\n\n

201-2 a) i)  a description of the risk or opportunity and its classification as either physical, regulatory, or other;<\/strong><\/p>\n\n\n\n

Short-term physical climate risk: customers\u2019 reduced payment capacity in the event of extreme weather events, such as heavy rains and periods of drought, including risks related to climate vulnerability in agribusiness credit transactions.<\/p>\n\n\n\n

Medium-term physical climate risk: concentration of the loan portfolio in economic sectors most likely to suffer impacts related to extreme weather events, with the risk of compromising the Bank’s liquidity and competitiveness.<\/p>\n\n\n\n

Climate transition risk: business relationship with sensitive and carbon-intensive industries. In the long term, by maintaining business relationships with these sectors, we can be negatively affected by changes in consumer preferences, as well as by restrictions, limitations and even bans on financed production processes.      <\/p>\n\n\n\n

201-2 a) ii) a description of the impact associated with the risk or opportunity;<\/strong><\/p>\n\n\n\n

In the short term, extreme events, such as heavy rainfall and periods of drought, can harm customers\u2019 payment capacity, especially in sectors that are more susceptible to the effects of climate change.<\/p>\n\n\n\n

In the medium term, the concentration of the loan portfolio in economic sectors most likely to suffer impacts related to extreme weather events can compromise the Institution’s liquidity and competitiveness.<\/p>\n\n\n\n

In the long term, the Institution, by maintaining business relationships with sensitive and carbon-intensive industries, can be negatively affected by changes in consumer preferences, as well as by restrictions, limitations and even bans on financed production processes.        <\/p>\n\n\n\n

201-2 a) iii) the financial implications of the risk or opportunity before action is taken;<\/strong><\/p>\n\n\n\n

Customers\u2019 capacity to honor their financial commitments to the Institution can be compromised.            <\/p>\n\n\n\n

201-2 a) iv) the methods used to manage the risk or opportunity;<\/strong><\/p>\n\n\n\n

The business strategy aims to minimize the risks to which we are exposed in order to protect the assets and interests of customers, shareholders, employees and other stakeholders. The Risk Appetite Statement (RAS) is the instrument that defines the level of risk that the Institution is willing to accept in order to achieve its goals, regularly monitoring and reporting to higher bodies on the status of the indicators for monitoring social, environmental and climate risks.<\/p>\n\n\n\n

Capital management is treated as an ongoing process, compatible with the nature of the operations, the complexity of the products and services offered and the scale of the risk exposure.<\/p>\n\n\n\n

For relevant changes or the development of new products and services, a Social, Environmental and Climate Risk (RSAC, in Portuguese) analysis is carried out based on the information provided by the requesting business area. When necessary, recommendations for improvement are made in order to mitigate possible social, environmental and climate risks.<\/p>\n\n\n\n

Where applicable, RSAC criteria are analyzed in credit transactions using a specific form, covering the industry, location, legal and management characteristics of the counterpart and the transaction.<\/p>\n\n\n\n

Business opportunities are being developed by expanding the supply of sustainable products, such as the Sustainability CDC line, which finances renewable energy projects, electric charging stations, energy efficiency projects and electric scooters, among others.<\/p>\n\n\n\n

In credit risk analysis, when applicable, the result of the assessment of social, environmental and climate risks is considered as part of a set of variables that affect the definition of the risk limit for customers.<\/p>\n\n\n\n

201-2 a) v) the costs of actions taken to manage the risk or opportunity.<\/strong><\/p>\n\n\n\n

The costs of the measures taken to manage these risks or opportunities linked to climate issues and sustainability amounted to R$ 348.3 thousand in 2023.<\/p>\n","protected":false},"featured_media":0,"template":"","categoria_indicadores":[1490],"codigo":[1607],"empresas":[],"ano_indicador":[1546],"class_list":["post-6094","indicador","type-indicador","status-publish","hentry","categoria_indicadores-material-topic-environmental-social-and-climate-risk-strategy","codigo-gri-201-2-en","ano_indicador-2023-en"],"acf":[],"yoast_head":"\nFinancial implications and other risks and opportunities due to climate change - Banrisul<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial implications and other risks and opportunities due to climate change - Banrisul\" \/>\n<meta property=\"og:description\" content=\"201-2 a) Risks and opportunities posed by climate change that have the potential to generate substantive changes in operations, revenue, or expenditure, including: 201-2 a) i)  a description of the risk or opportunity and its classification as either physical, regulatory, or other; 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