30 January 2026
Climate and Credit Risk: Building Climate-Resilient Loan Portfolios
Alexandra B. Kinywamaghana
What happens when a bank’s biggest borrower is a real estate developer in a floodplain? Financial risk is shaped not only by market forces but by the physical environment. Rising sea levels, once a distant threat, now translate into credit risk, defaults, liquidity pressures, and mounting non-performing loans (NPLs).