Every year, the work of our experts results in more than 200 reports, studies, and analyses. Most of them are published and available on our website.
Sometimes our work resonates and has a direct impact on the public agenda. At other times, it contributes more subtly to the making of superior decisions within a company, organisation, or courtroom.
New regulation means a significant increase in capital costs for commercial real estate exposures.
In a new study conducted for the EMF-ECBC, we find that, following the EU implementation of the Final Basel III, capital requirements for European mortgage portfolios will increase by an average of 18% compared to the end of 2020. This corresponds to EUR 22 billion. Commercial real estate customers are by far the most affected customer group, experiencing an average increase in capital of 40%.
Learn more about the topic here.
For further information, please get in touch with Jonas Bjarke Jensen, Managing Economist.
The report considers the challenges and opportunities faced by lending institutions in relation to the regulatory and supervisory landscape for Sustainable Finance through the lens of energy-efficient mortgages, starting from a supervisory perspective and then moving on to retail and funding considerations. In particular, it offers detailed insights into the ways in which the multitude of market-led actions under the EEMI can provide a fast track to respond to the challenges and at the same time maximise the related opportunities, thereby providing lending institutions with the tools to increase the resilience of their loan books to climate risks and support the climate transition.
Throughout the report, we address the following challenges and point toward the solutions:
Find the report on the NEEM Hub website.
AI supervised approaches to scale uptake of energy-efficient mortgages in the Nordics depend both on the readiness of a data and software supply side as well as on a demand side driven by banks and mortgage institutions.
The Nordic Energy Efficient Mortgages (NEEM) hub aims at facilitating the eco-system to support such an approach. Metrics delivered (as a Minimum-Viable-Product) through the NEEM hub operate at two levels:
1) Asset level metrics
2) Portfolio level metrics
This paper provides an overview and assesses the readiness of the supply side to respond to the existing and emerging demands of the Nordic banks to scale their energy-efficient mortgages – both from an asset and portfolio level point of view. Find the paper on the NEEM Hub website.
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