ON Climate
Calculate and report on financed emissions and credit risk to develop climate mitigation strategies
Know the risks and seize the opportunity
ON Climate: Celent Model Risk Award Winner
ON Climate has enabled Fifth Third Bank to develop climate scenario analysis capabilities, quantify climate risk in its commercial loan portfolio, support the bank’s climate leadership through disclosure, and more - earning the 2023 Celent Model Risk Award.


FINANCED EMISSIONS
Identify and report on financed emissions in your loan book
- Calculate emissions at the portfolio, sector, industry and borrower level, while adhering to PCAF score 3 and 4 reporting
- Analyze and report on Scope 1 and Scope 2 financed emissions across six NGFS climate scenarios and five time horizons for strategic planning while keeping the cost of reporting low
FINANCED EMISSIONS
Identify and report on financed emissions in your loan book, without wasting time on data collection
- Calculate emissions at the portfolio, sector, industry and borrower level, while adhering to PCAF score 3 and 4 reporting
- Analyze and report on Scope 1 and Scope 2 financed emissions across six NGFS climate scenarios and five-time horizons for strategic planning while keeping the cost of reporting low
REGULATORY REPORTING
Identify climate risk in your portfolio early and mitigate regulatory risk
- Plan ahead for market changes and formulate targeted risk mitigation strategies by identifying high risk sectors, industries and borrowers in your loan book
- Analyze ON Transition Risk Score (highest to lowest) alongside your existing credit risk ratings and stack rank the portfolio for priority deep dives and climate-focused review
- Use shorter NGFS timelines of 3-5 years to make climate decisions on your portfolio now
- Understand the impact of climate risk on borrower financials and credit health and extract climate risk-based financial forecasts for risk quantification


REGULATORY REPORTING
Identify climate risk in your portfolio early and mitigate regulatory risk
- Plan ahead for market changes and formulate targeted risk mitigation strategies by identifying high risk sectors, industries and borrowers in your loan book
- Analyze ON Climate Transition Score (highest to lowest) alongside your existing credit risk ratings and stack rank the portfolio for priority deep dives and climate-focused review
- Use shorter NGFS timelines of 3-5 years to make climate decisions on your portfolio now
- Understand the impact of climate risk on borrower financials and credit health and extract climate risk-based financial forecasts for risk quantification

FIND OPPORTUNITY
Strengthen relationships with customers, improve retention, and increase wallet share by helping borrowers transition
- Guide your borrowers towards collecting and tracking emissions data and technology changes
- Understand the levers (technology, regulatory) driving transition risk in borrowers’ business models to inform meaningful conversations with borrowers around decarbonizing their business
- Lend into more decarbonizing ventures and lower overall emissions to improve your NPS and brand value

FIND OPPORTUNITY
Strengthen relationships with customers, improve retention, and increase wallet share by helping borrowers transition
- Guide your borrowers towards collecting and tracking emissions data and technology changes
- Understand the levers (technology, regulatory) driving transition risk in borrowers’ business models to inform meaningful conversations with borrowers around decarbonizing their business
- Lend into more decarbonizing ventures and lower overall emissions to improve your NPS and brand value
ON Climate Product Tour


Mike Faillo
Chief Sustainability Officer

Michele Mullins
SVP & Climate Risk Officer

JEREMIAH NORTON
FORMER FDIC BOARD MEMBER & FORMER DEPUTY ASSISTANT SECRETARY, US TREASURY
Let's get ON with it
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Brochure
ON Climate
Discover how ON Climate helps commercial banks address the implications of climate change head-on, using data-driven insight to minimize risk and maximize opportunity.
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Magazine
Pathway to Net Zero
How OakNorth Bank used ON Climate to publish its first TCFD report and set ambitious net zero targets.
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Guide
Commercial Lending and Climate Impact
Explore the obstacles that climate risk poses for commercial banks and learn how to address a new category of risk assessment with confidence. Utilize data-driven insights to mitigate risk and seize valuable opportunities.
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TAKE THE NEXT STEP
Request a personalized demo to discover what ON Credit Intelligence can do for your bank.
What We’ll Cover:
- What makes our technology different
- How rapidly you’ll see results
- Ease of installation and cost benefits
- Current customers and outcomes