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Article
Banks Must Prove Climate Stress Tests Influence Real Decisions
Mira Lamriben, Climate Risk Expert at the European Banking Authority, explains why environmental scenario analysis must move beyond regulatory compliance to influence banking strategy. She examines supervisory expectations, methodological challenges, the integration of climate risks into capital and liquidity planning, and the growing importance of biodiversity and other environmental threats.
Nov 11, 2026
Mira Lamriben, Climate Risk Expert, EBA
Tags:
ESG and Climate Risk
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
- EBA expects environmental scenario analysis to influence banking decisions, not simply satisfy compliance requirements
- Stress testing and longer-term
resilience analysis serve different purposes
- Proportionality, transparency
and methodological improvement matter more than complexity
- Scenario findings should inform
risk appetite, lending, capital planning and portfolio management
- Banks should integrate
environmental analysis into ICAAP, ILAAP and strategic planning
- Scenarios should test plausible
futures rather than predict outcomes
- Biodiversity, water stress and
pollution are emerging financial risk considerations
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