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For more information about Ardmore’s Climate Related Credit Risk Concentration Service, including requirements to perform the work, and a sample deliverable, please click below:

Ardmore Banking Advisors provided these services as a Proof of Concept, including a climate-related credit concentration analysis, for two banks including Heritage Bank, a $7 Billion dollar bank in the state of Washington. The results of that work are outlined in the documents below:

1. White Paper on Credit Impact from Earthquake Event Proof of Concept
2. White Paper on Climate-Related Credit Concentration Analysis Proof of Concept
3. Ardmore Update on SEC Climate Disclosure Rule

A webinar “Managing Banks Newest Emerging Credit Risk,” focusing on climate-related credit concentration risk featuring Ardmore’s Peter Cherpack and Heritage SVP & Director of Credit Review, Kate Dixon was presented in September 2023.

Here, Ms. Dixon gives some background information on the Heritage portfolio and some factors considered in the analysis:

Peter Cherpack details some of the objectives in developing this process in partnership client banks:

Peter and Ms. Dixon outline some of the data used to identify key areas of concern when performing the analysis:

Peter and Kate share what they learned during this process:

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