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Mapping the future : implementing recommendations on sustainability in portuguese banking institutions
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O presente relatório apresenta o trabalho realizado num estágio curricular com duração de seis meses no banco BiG, no departamento Risco de Crédito. O principal objetivo do estágio é um caso de estudo da instituição financeira “BiG”, os riscos climáticos e a implementação de medidas sustentáveis que estão atualmente em vigor.
Atualmente, o setor bancário enfrenta a necessidade de responder aos riscos climáticos de forma eficaz e proativa. Mundialmente e na União Europeia, estão a ser desenvolvidas propostas, tais como a Agenda 2030 para o Desenvolvimento Sustentável, o Pacto Ecológico Europeu, e a Taxonomia, com o objetivo de promover o desenvolvimento sustentável e a transição para uma economia de baixo carbono.
Para a indústria bancária, foram introduzidos dois tipos de requisitos de divulgação obrigatória, o artigo 8 e o artigo 6. Estes requisitos de divulgação obrigatória são parte de regulamentos que promovem a transparência e a conscientização sobre a sustentabilidade e a exposição a riscos, permitindo que as partes interessadas tomem decisões informadas em relação às instituições financeiras.
Os climate stress test conduzidos pelo Banco Central Europeu e pelo Banco de Portugal desempenham um papel fundamental, pois permitem identificar, avaliar e mitigar riscos climáticos no setor financeiro. Os mais recentes resultados demonstram que o setor financeiro continua aquém das expectativas e das diretrizes estabelecidas.
Para a elaboração deste trabalho, foi conduzida uma pesquisa qualitativa de natureza exploratória. Como complemento a esta abordagem, foram utilizadas técnicas de pesquisa de dados secundários, e foi feita uma análise de literatura relevante sobre o assunto.
This report presents the work produced during a six-month internship at BiG bank in the Credit Risk department. The objective of the internship is a case study of the financial institution "BiG," climate risks, and the implementation of sustainable measures presently used. Currently, the banking sector is facing the need to respond to climate risks effectively and proactively. Globally and within the European Union, initiatives are being developed, such as the 2030 Agenda for Sustainable Development, the European Green Deal, and Taxonomy, with the aim of promoting sustainable development and the transition to a low-carbon economy. For the banking industry, two types of mandatory disclosure requirements have been introduced, Article 8 and Article 6. These mandatory disclosure requirements are part of regulations that promote transparency and awareness of sustainability and risk exposure, allowing stakeholders to make informed decisions regarding financial institutions. The climate stress tests conducted by the European Central Bank and the Bank of Portugal play a crucial role in identifying, assessing, and mitigating climate risks in the financial sector. The latest results show that the financial sector is still falling short of expectations and established guidelines. To prepare this work, a qualitative exploratory research was conducted. In addition to this approach, techniques for secondary data research were used, and a relevant literature analysis on the subject was carried out.
This report presents the work produced during a six-month internship at BiG bank in the Credit Risk department. The objective of the internship is a case study of the financial institution "BiG," climate risks, and the implementation of sustainable measures presently used. Currently, the banking sector is facing the need to respond to climate risks effectively and proactively. Globally and within the European Union, initiatives are being developed, such as the 2030 Agenda for Sustainable Development, the European Green Deal, and Taxonomy, with the aim of promoting sustainable development and the transition to a low-carbon economy. For the banking industry, two types of mandatory disclosure requirements have been introduced, Article 8 and Article 6. These mandatory disclosure requirements are part of regulations that promote transparency and awareness of sustainability and risk exposure, allowing stakeholders to make informed decisions regarding financial institutions. The climate stress tests conducted by the European Central Bank and the Bank of Portugal play a crucial role in identifying, assessing, and mitigating climate risks in the financial sector. The latest results show that the financial sector is still falling short of expectations and established guidelines. To prepare this work, a qualitative exploratory research was conducted. In addition to this approach, techniques for secondary data research were used, and a relevant literature analysis on the subject was carried out.
Descrição
Mestrado Bolonha em Mathematical Finance
Palavras-chave
BiG Riscos climáticos Sustentabilidade Financeira BiG Climate Risks Financial Sustainability
Contexto Educativo
Citação
Campos, Raquel Custódio (2023). “Mapping the future : implementing recommendations on sustainability in portuguese banking institutions”. Dissertação de Mestrado. Universidade de Lisboa. Instituto Superior de Economia e Gestão
Editora
Instituto Superior de Economia e Gestão