Enabling a Climate-Resilient Future

Adaptation is no longer optional — it is essential to protect value and remain competitive in a climate exposed world.

As physical climate risks intensify, financial systems must complement emissions mitigation with the active protection of assets, cash flows, business continuity and people's health and well-being.

The scale of the challenge is severe: annual adaptation investment needs are estimated to be up to EUR 500 billion in the European Union alone, leaving a persistent financing gap.

Closing this gap will depend on private capital, with credit and insurance markets playing a central role — provided risks are understood, priced, and targeted with sufficient granularity.

Climate change is global, but its impacts are local. Severe hailstorms damaging assets year after year, floods halting production, heatwaves affecting employee health — many households and businesses are increasingly exposed to more frequent and intense extreme events, often without the information needed to respond effectively.

Knowing how exposed a home, a warehouse, or a production site is to hazards such as floods or wildfires — and how to act to reduce that exposure — will increasingly determine the difference between thriving or declining businesses.

This is where Climes creates value.

By delivering location-specific geo-spatial intelligence on physical climate and catastrophe risk, Climes enables financial institutions to allocate capital and insurance capacity more selectively, price risk more accurately, and deliver more relevant, climateinformed solutions. This, in turn, improves service quality and client engagement while directing capital and protection where it creates the greatest value and impact for households and businesses In a climate-exposed world, adaptation finance is a key driver of resilient growth, financial stability, and longterm value creation for the real economy.