Company Climate Risk Edition | Risk Management Partners – munichre.com

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Physical climate risk is a major long-term threat to global growth. By 2050, climate could drive $12.5 trillion in economic losses worldwide, according to the World Economic Forum. Natural hazards such as tropical cyclones, extratropical storms, river floods, and storm surge cause severe damage. Extreme weather destroys assets, disrupts operations and supply chains, and erodes the earnings of corporations at scale. Such events weaken financial performance across industries and corporate sectors worldwide.
At the same time, climate-related losses strongly affect the institutions that provide capital to companies in the form of loans, bonds, and equity. Yet many banks and investors struggle to quantify the current and longer-term financial impact of climate risk on their corporate portfolios.
With Munich Re's Company Climate Risk Edition, you can assess the direct financial impact of climate-related events on entire companies and their assets. Powered by Munich Re's 140+ years of underwriting and global hazard data, the solution combines risk exposure, hazard intensity, and company fundamentals to translate climate risk into quantifiable financial metrics.
Gain a unified, financially meaningful understanding of climate risk across your portfolio. You reduce uncertainty, make faster and better decisions, and can steer lending and investment to stronger, more resilient companies.
Get the full portfolio risk picture
Express physical climate risk to investments and loans in terms of direct financial impact metrics, Climate Expected Loss and EBIT Impact. Improve credit risk decisions and portfolio steering.
Achieve portfolio-wide scoring
Company Climate Risk Edition has access to millions of asset locations worldwide. Top-down (country/sector) and bottom-up assessment are available. This provides scoring across equity, bonds, and private credit for more informed decisions.
Rely on science-based scenario insights
Understand how corporate climate risk evolves across multiple time horizons and climate scenarios up to 2100. Perform stress testing, assess resilience, and plan long-term investments with confidence.
Meet disclosure requirements
Financial institutions are increasingly expected to disclose quantitative physical climate risk information across their corporate portfolios. Regulations and frameworks include CSRD, TCFD/ISSB, and EBA Risk Management Guidelines.
EBIT Impact, expressed in %, quantifies physical climate risk in terms of the effect on a company, taking into account whether it is an asset-heavy company in relation to its operating profit.
Building on the aggregated company-level Climate Expected Loss, EBIT Impact (Impact on Earnings Before Interest and Taxes) scales the physical loss expectation by a company-specific financial ratio, relating the exposed asset base to the company's earnings capacity. The result expresses how large the expected annual physical damage is relative to operating profit. Credit committees and investment boards have a financial signal that they can directly interpret. EBIT Impact can be calculated for companies where revenue, tangible fixed assets, and operating profit data are present in our validated financial datasets.
Currently modelled for Overall Impact and the four perils Tropical Cyclone, River Flood, Storm Surge, Extratropical Storm. Additional perils will be added in future releases.
Company Asset CEL, expressed in ‰ (per mille), quantifies the expected average annual loss from physical property and content damage for each peril at individual company sites, where asset-level data is available.
This metric identifies which specific locations and which perils drive the most risk within a company. Users get the granular, auditable insights they need for detailed portfolio analysis, regulatory reporting, and targeted risk mitigation decisions.
Currently modelled for Overall Impact and four perils Tropical Cyclone, River Flood, Storm Surge, Extratropical Storm. Additional perils will be added in future releases.
In addition, for each Company Asset, the 1-in-100 year hazard intensity and damage will also be available for the four perils.
140
Years of Munich Re underwriting and hazard expertise
340m
Structured results for more than 340 million companies worldwide
2100
Forward projection horizon across multiple climate scenarios: 2030, 2050, 2100
Storm surges are short-term increases in mean sea level caused by wind stress and the inverse barometer effect, and can cause severe devastation where water height exceeds local topography or coastal defences.
Global storm surge model at approximately 30m resolution, validated against observed events, national flood maps, and long-term observational records. Projection years: Current, 2030, 2050, 2100. Scenarios: SSP2-4.5, SSP5-8.5.
Extratropical storms form in the transition region between subtropical and polar climatic zones, reaching peak intensity in late autumn and winter. Their damage potential is frequently underestimated.
Modelled using reanalysis data downscaled with national weather service data (DWD, KNMI, UK Met Office, Meteo France, BoM, NOAA). Peak wind speeds derived for 25+ return periods at approximately 1km resolution. Available for current climate conditions.

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