Changing Paradigm: Spot vs Forecast
Classic ESG looks at the past. Climate risk looks at the future. STM combines these two visions for a complete resilience analysis.
SPOT Vision (Current)
The snapshot at time T
- Carbon Footprint: Current Emissions (Sc 1, 2, 3).
- Taxonomy: Green share of current revenue.
- ESG Score: Current risk management.
FORECAST Vision (Future)
Trajectory and resilience
- Paris Alignment: Future °C Trajectory (e.g., +2.4°C).
- Stress-Tests: Potential losses (Physical & Transition).
- Biodiversity (MSA): Future impact on ecosystems.
Transition Risk
We decompose the real activity of companies (Green vs Brown). A company can have a "Green" share (Renewables) and a "Brown" share (Coal) simultaneously. The CLIMAFIN model then applies shocks to the Brown share.
Example: Breakdown of the Energy Mix of a Utilities Portfolio
Physical Risk: GPS Precision
A global ESG score is not enough. STM geolocates production plants to cross-reference economic activity with climate risk maps (flood, drought, fire).
Fossil Fuel Exit & Expansion
Comply with AMF/ACPR requirements on Coal exit. STM identifies not only the current share of coal revenue, but especially expansion projects.
Exclusion Thresholds
Define your rules (e.g., >10% Coal Revenue) and simulate the immediate impact.
Expansion Projects
Alert on companies planning new coal plants (GCEL Data).
Analysis: Share of Coal Revenue vs Expansion Projects
Biodiversity & Footprint (MSA)
Via the ENCORE model and the MSA (Mean Species Abundance) calculation, we measure the impact of your investments on ecosystems.
SFDR & PAI Compliance
Our rules engine automatically classifies your investments (Art. 8/9, Sustainable #1, Other #2) and generates regulatory PAI reports.