Assess & Manage Physical Climate Risks with Asset-Level Precision
Quantify exposure across 10 climate perils using the latest CMIP6, IMD, internal models. Empower your institution with asset-level granularity and portfolio-wide consistency.
Grounded in Science, Built for Finance.
The Data Foundation
We leverage the CMIP6 (Coupled Model Intercomparison Project) data alongside proprietary hazard models to develop high-resolution exposure maps.
Time Horizons & Scenarios
Leveraging historical datasets (1960–present, depending on peril), our models are back-tested on observed events and project forward-looking risk up-to 2100 under multiple SSP, RCP and NGFS scenarios.
Framework Compliance
Aligned with IPCC AR6 climate science and NGFS physical risk scenarios. Incorporates SSP-based pathways with bias-corrected and calibrated datasets to ensure accurate hazard projections.
Damage Sensitivities
Our system doesn't just show "water levels"; it uses specific damage functions to calculate how a hazard impacts a specific asset's value.
The 10 Perils Covered
Fluvial Flood (River)
Pluvial Flood (Rainfall)
Coastal Flood
Extreme Heat
Tropical Cyclone
Wildfire
Drought
Water Stress
Extreme Wind
Landslide
Severe Storms/Hail
Severe Snow
One Source of Truth Across All Asset Classes.
Physical risks are assessed at the individual asset level (latitude/longitude) and can be instantly aggregated to provide a consistent, portfolio-wide view for:
Retail/Mortgages
Mass-scale assessment of real estate portfolios.
Corporate Banking
Counterparty-level risk for large industrials.
Sovereign/Public Finance/Motor Finance
Assessing regional or national exposure.
Empowering the Front-Line: The Pincode Risk Tool.
Before a loan is issued, your Relationship Managers (RM) need immediate answers.
Input
Simply enter the Pincode or one line address
Analysis
Our engine runs the 10-peril check against the next 5–10 years. It identifies which perils are relevant and the risk on score 1–5.
Output
Download a concise, regulator-ready Physical Risk Assessment Report in fraction of seconds.
Benefit
Move from "subjective" to "data-driven" credit decisions instantly.
Built for the Modern Financial Tech Stack.
EnDecarb.ai is designed to plug directly into existing banking ecosystems:
Banks & NBFCs
Integrate with Loan Origination Systems (LOS).
Portfolio Managers
API-first data feeds for stress testing.
Insurance
Refine underwriting with high-resolution hazard layers.