See environmental risk clearly. Lend confidently.

Banks are increasingly exposed to nature-related risk through:

• Real estate and infrastructure lending 
• Project finance and development loans 
• Agricultural and land-backed assets 
• Long-term climate and transition risk
   

At the same time, expectations are rising around:

• ESG and sustainability risk management 
• Regulatory disclosure and stress testing 
• Avoiding stranded assets and value erosion
   

Yet environmental risk data is often:

• High-level and non-spatial 
• Inconsistent between borrowers 
• Static snapshots rather than time-aware 
• Disconnected from real land-use change
   

TerraViso brings spatial clarity to nature-related financial risk.

 TerraViso provides decision-grade environmental intelligence for credit, risk, and sustainability teams.

It enables banks to:

• See what environmental assets and risks actually sit behind loans 
• Understand biodiversity sensitivity and regulatory exposure spatially 
• Track whether environmental commitments tied to finance are delivered 
• Identify emerging risk early — before value is impaired
   

All in a form that integrates with existing risk and governance processes.

1. Better environmental due diligence

Before capital is committed, TerraViso provides a clear, independent view of site-level environmental exposure.

Banks can:

• Assess biodiversity sensitivity linked to land-backed assets 
• Identify planning, compliance, and delivery risk early 
• Compare borrowers and assets using consistent spatial evidence 
• Flag higher-risk sites for deeper review or conditions
   

Outcome:
More informed credit decisions and fewer hidden environmental liabilities.

2. Improved risk pricing and structuring

Environmental risk directly affects asset value and long-term performance.

TerraViso supports:

• Differentiation between low- and high-risk assets 
• Evidence-based loan conditions linked to spatial delivery 
• Better alignment between sustainability commitments and finance terms
   

This enables more accurate pricing of risk and more resilient deal structures.

3. Portfolio-level visibility and stress testing

Nature-related risk is cumulative and often correlated.

Across portfolios, TerraViso allows banks to:

• Map biodiversity exposure across regions and sectors 
• Identify concentrations of environmental risk 
• Track changes in land condition over time 
• Support internal stress testing and scenario analysis
   

Result:
Stronger portfolio oversight and earlier intervention where risk is building.

4. Ongoing monitoring of financed assets

Risk does not end at financial close.

TerraViso enables banks to:

• Establish an environmental baseline at loan origination 
• Monitor land-use and biodiversity change over time 
• Detect under-delivery or deterioration early 
• Reduce enforcement, reputational, and default risk
   

This supports proactive risk management rather than reactive remediation.

Protect asset value

Environmental degradation and non-compliance directly threaten collateral and long-term returns.

Reduce transition and regulatory risk

Spatial evidence supports defensible decision-making as disclosure and regulatory expectations evolve.

Strengthen ESG governance

Consistent, auditable evidence improves internal oversight and external reporting credibility.

Avoid stranded assets

Early insight helps identify assets at risk of future restriction, remediation cost, or value loss.

 Origination

• Spatial environmental screening 
• Risk flagging and escalation
   

Credit assessment

• Asset-level biodiversity and land-use review 
• Evidence-based conditions
   

Portfolio management

• Ongoing monitoring of environmental change 
• Identification of emerging risk
   

Reporting

• Portfolio summaries 
• Asset-level audit trails

TerraViso does not replace financial judgement — it strengthens it with clear spatial evidence.
It helps banks move beyond high-level ESG indicators to a grounded understanding of real-world environmental risk and opportunity.