14 Mar

Identification and Estimation of Energy Ratings and Physical Risks of Property Portfolios

Financing Policies and regulations
HDLogoST
March 14, 2022 - March 14, 2022 Mesa Redonda
Organizer: ST Sociedad de Tasación

European banking faces a great challenge in 2022: its first stress test on climate risks. 

To deal with it, each Financial Entity must be able to identify the energy rating and the physical risks associated with its portfolio of financed properties. 

Therefore, a tool capable of: the following is needed 

  • Provide real energy certifications (4.5 million).
  • Make a reliable estimate of the rest (22 million).
  • Identify the physical risks that affect real estate (46 million).
  • That it provides sufficient coverage against the expectations of the supervisor (European Central Bank).

In 2021, the Spanish banking associations unanimously choose the solution provided by ST to face this challenge, being the solution adopted by the Spanish financial system, recognized by the European Mortgage Federation as the most advanced in the EU, counting on the favorable audit of the first level consultancy Mazars. In Spain, 47 entities have already participated in the project. 

Youtube Link:

https://youtu.be/3QUXMUszTWU

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