For financial institutions
Your lending book
is exposed.
Darwin helps banks and asset owners screen portfolios, engage counterparties, and meet EBA, CSRD, and TNFD requirements — without starting from scratch.
BOOK A DEMO
Capabilities
What Darwin does for financial institutions
Prove materiality across your portfolio
Screen your entire lending or financing book for nature impacts, dependencies, and risk — even with only basic counterparty data. Build concentration heatmaps by sector and geography.
Engage high-risk counterparties with evidence
Pinpoint which counterparties, sites, and commodities carry the highest nature risk. Bring data to engagement conversations and help clients design concrete mitigation plans.
Run nature stress tests and scenario analysis
Translate environmental shocks — water scarcity, ecosystem degradation, regulatory tightening — into credit-relevant signals at the asset level. Quantify your Nature Value-at-Risk.
Industrialise reporting and audit trails
Align disclosures with CSRD, EBA Guidelines, and Pillar 3 ESG requirements. Generate an audit-friendly evidence trail that can be defended to regulators and auditors.
Why it matters
The case for acting now
in the eurozone go to companies highly dependent on at least one ecosystem service. For banks with SMB-heavy portfolios, nature risk isn't a niche concern — it's structural.
SMBs are exposed — and so is your loan book.
Of 2,500 banks analysed in the euro area, just 100 are responsible for 87% of the total biodiversity footprint of the entire banking system — concentrated in specific sectors and geographies.
Nature risk in loan portfolios is concentrated.
Research shows that higher nature-related exposure leads banks to charge 10 to 20 basis points more on syndicated loans — a signal that credit markets are starting to price what balance sheets don't yet show.
Nature risk is already moving loan pricing.
Measure nature risk in your lending book.
Screen portfolios, engage counterparties, and produce audit-ready disclosures — all from a single platform.
BOOK A DEMO