Strategic climate risk management

Learn how you can turn your investment influence into a powerful force for sustainability. Dive into the world of active ownership, where savvy investors can drive the transition to a lower-carbon economy.

Deloitte’s 2024 sustainability action report compiles ESG insights from its latest executive survey shedding light on the current ESG landscape, including data management, disclosures, and compliance, allowing companies to assess their sustainability progress and future plans.

Recent state-level legislations challenge the integration of environmental and social risk management in financial institutions, posing risks to both business operations and community financing. How can banks adopt green finance practices that address these risks and stakeholder concerns for transparency? Discover four principles to guide your approach to ESG in finance.

The financial services industry’s (FSI) answer to ESG regulations and stakeholder demands

The financial sector has become a pivotal player for sustainable change in the global ecosystem—not only ethically, but as a strategic necessity. Discover how integrating environmental, social, and governance (ESG) into the product operating model can help with risk mitigation, resilience, and long-term value creation for sustainability in finance.

Insurers recognize the urgent need to address the implications of climate change and property insurance. However, the industry lags in its efforts to mitigate risk associated with the loss of biodiversity and natural resources. Explore five ways the industry can help protect natural capital through investment, product innovation, and increased engagement.

Bold steps real estate leaders can take to help accelerate the transition to a low-emission future.

A sunnier profitability forecast may be possible—if personal property insurers partner with stakeholders to build resiliency and address climate-related risks head-on.

The CRE market is expected to face rising premiums, especially in states most vulnerable to extreme weather. What can owners do to help protect themselves and their properties?

Discover how finance can fuel innovation and help power a green energy transition while saving the world US$50 trillion on its journey to net zero.

Deloitte's survey of homeowners in US states with high climate change risk reveals skyrocketing costs and widening gaps in insurance coverage.

For both public and private companies, environmental, social, and governance (ESG) readiness is a unique and fast-evolving journey. Our ESG SelfAssess™ tool is here to advise you as you navigate yours.

On March 6, 2024, the SEC issued a final rule that requires climate-related disclosures in annual reports and registration statements. Although the rule is currently facing legal challenges and a partial stay has been imposed by the SEC to minimize regulatory uncertainty, there are specific nuances and implications for insurers that executives should consider. Below are insights based on the final rule as released.

Despite its positive impact on society—driving job creation and supporting the infrastructure in which humans live and work—the global built environment value chain is responsible for more than 37% of global carbon emissions.

Given the unique position of Indigenous peoples and local communities (IPLCs) as stewards of natural capital, explore how financial institutions have the power to play a significant role when it comes to not only supporting biodiversity and protecting nature, but preserving culture as well.

On March 6, 2024, the SEC issued a final rule that requires climate-related disclosures in annual reports and registration statements. While in line with existing frameworks and guidance, it may take significant coordination to understand these connections and implications and to create a good compliance strategy. There are specific nuances and implications for banking institutions that executives should consider even as the rules face challenges in court.

Deloitte and The Fletcher School at Tufts University embarked on a global study, executed between January and December 2023, to understand how companies can enhance investor trust in their sustainability disclosures.

A survey of managers and executives across US financial services firms reveals how flexibility and other engagement levers can positively impact women with caregiving responsibilities.

The support for environmental, social, and governance (ESG) objectives across the global financial services industry is a well-intentioned and ambitious venture. But are those pledges and initiatives being adequately supported at an operational level, or are they at risk of falling through the cracks in favor of competing priorities?

How do you meet your greenhouse gas emissions reduction targets when less than 1% of the emissions are under your direct control? With new tools, new methods of data analysis, and a new approach to net-zero finance, the financial services industry has the opportunity to do just that.

Carbon markets are an essential mechanism for accelerating global decarbonization, but stakeholders should collaborate to make them robust, transparent, and trustworthy.

The report on climate-related issues and gaps in insurance supervision from the Federal Insurance Office (FIO), a division of the US Treasury Department sets forth a multitude of expectations for state insurance regulators and the National Association of Insurance Commissioners (NAIC) to meet the growing and urgent needs created by climate risk.

The human rights imperative for banks

Carriers should assess new distribution partners sooner rather than later to capitalize on embedded finance opportunities.

The financial services industry is at a pivotal moment. Among other forces, human dynamics are reshaping global business and society, transforming the economy to one no longer led by producers, but by consumers. In a future where firms’ success will be deeply intertwined with their social impact, Deloitte’s financial services industry specialists have the experience and insight to help forward-looking clients lead the way in a human-centered economy. Our comprehensive, integrated services and solutions span banking and capital markets, insurance, investment management, and real estate. Join us in adopting a more human-centered form of capitalism that elevates the bottom line of all stakeholders.

The role of financial services in the economy and society is evolving. The Deloitte Center for Financial Services is dedicated to helping leaders succeed through these changes with data-rich, fact-based research that provides timely insights on the most pressing issues facing the industry.

It won’t be enough to keep pace with the digital economy of the future. To truly realize its potential, you have to lead the way. Our Banking & Capital Markets specialists can help by working with you to anticipate challenges, as well as develop and implement strategies that address regulatory reform, technological complexity, competitive dynamics, and the shift toward a higher bottom line.

How do you meet the always-evolving expectations of customers while improving profitability and balancing the demands of regulatory change? Deloitte can help you navigate the rapidly shifting landscape of a human-centered economy. Our multidisciplinary approach brings together specialists in actuarial, risk management, strategy, operations, technology, tax, and audit to do for you what you do for the people and businesses your company insures: give them a future they can feel good about.

A future where more people have broader access to opportunities for greater wealth. It’s the promise of human-centered capitalism, and our investment management industry professionals can help you rise to the occasion. Whether you are in private equity, hedge funds, or mutual funds, we can help.

Deloitte’s US real estate practice can help guide your business into the future of capitalism with a multidisciplinary approach that combines deep knowledge, insight, and a human-centered focus on transformation. We customize our services to fit the specific regional, national, and global needs of owners, operators, investment advisers, property managers, leasing operators, and occupiers. Our services include financial statement and internal control audits; accounting and reporting advisory; taxation; location strategy; finance transformation; and more.