Greening MAIB – Enhancing Sustainability and Green Lending (Phase I) and Climate Risk Management Framework (Phase II)

CLA supported MAIB in developing a comprehensive sustainability (ESG) strategy and a robust climate risk management framework, aligned with international standards and best practices. The project aimed to enhance MAIB’s green lending capacity and embed climate risk management into its credit risk processes.

Phase I – Sustainability Strategy and Green Lending Framework

• Conducted a gap and capacity analysis to assess MAIB’s current ESG readiness.
• Developed a detailed Sustainability (ESG) Strategy outlining bank ambitions, KPIs, and a roadmap for implementation aligned with Moldova’s climate policy and global standards.
• Drafted MAIB’s first Sustainability Report following GRI/SASB guidelines.
• Designed a carbon footprint measurement approach based on TCFD and PCAF standards, including development of an Excel-based tool for emissions calculation and reporting.
• Enhanced MAIB’s green lending framework in line with EU taxonomy and GGF guidelines.
• Co-developed a dedicated green product (focused on Solar PV) with an action plan for rollout.
• Delivered capacity building sessions and supported marketing and communications efforts.

Phase II – Climate Risk Management Framework

• Developed a climate risk management framework integrating physical and transition risks into MAIB’s credit risk processes.
• Created tools such as climate risk scorecards, scenario analysis models, and climate-adjusted Probability of Default (PD) and Loss Given Default (LGD) methodologies.
• Provided guidance on climate risk stress testing, capital adequacy, and resilience strategies.
• Conducted training and developed internal manuals to institutionalize climate risk management practices.
• Ensured compliance with international standards and best practices (NGFS, IFRS S2, Basel, etc.).

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