Take advantage of investment opportunities — with well-founded ESG analyses for your real estate business.
Predium helps banks assess ESG risks and make sustainable financing decisions.
Your challenges, our solution
As a result, investment opportunities often remain unused and regulatory requirements become a hurdle.
Missing data? No problem!
There is often no direct access to borrowers' ESG data and the information provided must be laboriously checked. A validated, easily accessible database is essential for informed decisions. ESG-relevant targets, such as CO2 reduction and share of sustainable assets, can be incorporated into overall bank management.
Inadequate risk analysis?
Without reliable ESG data, it is hardly possible to carry out a full risk assessment of real estate loans. Stranded assets and loss of value risks must be identified across the entire portfolio in order to minimize risks.
Investments don't fit
the bank's goals?
A lack of transparency about the ESG risk profile of loan objects makes it impossible to say which financing strengthens — or counteracts — your climate strategy. A quick analysis brings clarity to the management of the real estate credit business.
Climate-neutral financing
— but how?
They have no insight into necessary restructuring measures. With an investment plan that takes into account costs, subsidies and effects on CRREM paths, you can comprehensively evaluate the property according to risk profile and ESG target image.
How Predium supports banks
With Predium, you get a well-founded database for your loan assets and transparently map ESG risks and opportunities across the overall and sub-portfolios.
Quick creation of a reliable database
You import the loan objects once with the available database, e.g. energy certificates, addresses, areas, year of construction. Predium completes the existing database with geodata, satellite images and data on building technology and housing via Predium AI. The uniform enrichment of the database enables rapid ESG assessment without using large amounts of resources.
ESG screening at the push of a button
Predium transparently outlines ESG risks along the CRREM path, provides information about the influence of the energy states of the properties on LTVs and identifies buildings with potential loss of value. ESG scoring to identify the opportunities and risks of loan assets is your reliable basis for data-driven capital decisions. Reliable ESG reporting, in particular for EU disclosure requirements (e.g. EBA, SFDR) creates transparency and certainty of action.
Simulation of restructuring roadmaps based on the ESG target image
Predium offers intelligent recommendations for restructuring measures that automatically include savings potential and restructuring costs for defined measures, including funding. You can simulate manage-to-green paths, as well as energy consumption before and after modernization.
Predium combines strategic advantages
Regulatory compliance
Regulation doesn't have to be a hurdle. Simply integrate ESG data into real estate lending processes and create potential for action through transparency about the level of compliance with regulatory requirements (e.g. CRR, ESG regulations).
Risk transparency & portfolio management
Identify and manage hidden risks For example, by identifying “brown loans” in the portfolio. This enables you to react at an early stage and to reduce risks by selling or refraining from prolonging high-risk exposures.
Profitability through smart lending
Act purposefully. For example, you can reduce credit defaults by focusing on energy-efficient properties. Lower equity requirements are possible due to a higher green asset ratio (GAR), and your loan volume can grow.
This is how our customers benefit
With Predium, banks gain well-founded ESG data for the entire value chain in real estate financing — from new loans to portfolio management to issuance of green bonds.
Senior Credit Analyst & ESG Manager
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By knowing the necessary restructuring measures, we are able to proactively approach our clients, offer appropriate transformation loans and make our real estate credit business more emission-free.
Identify risks and make profitable capital decisions
Meet compliance requirements, minimize risks, and manage your portfolio through transparent ESG opportunities — Predium gives you a well-founded basis for making profitable real estate financing decisions.
