氣候治理
氣候治理

TCFD

身為台灣永續金融領先者,國泰持續深化TCFD建議項目,除了將氣候風險與既有風險管理框架整合,同時精進情境分析,強化企業韌性,與所有利害關係人攜手因應未來的氣候挑戰。
身為台灣永續金融領先者,國泰持續深化TCFD建議項目,除了將氣候風險與既有風險管理框架整合,同時精進情境分析,強化企業韌性,與所有利害關係人攜手因應未來的氣候挑戰。
整合氣候風險於企業風險管理架構
整合氣候風險於企業風險管理架構

整合氣候風險於企業風險管理架構

國泰將企業風險管理架構(ERMF)整合氣候風險,並依資產負債特性運用不同的情境分析工具,建構台灣金融業最全面的氣候風險管理作為。
完善氣候風險評估
完善氣候風險評估

完善氣候風險評估

國泰為台灣首家結合回溯量化檢視方式及前瞻情境模擬方式,完善氣候風險評估與管理作為。

國泰金控氣候治理架構

有效的氣候治理架構對於公司調控氣候風險與掌握機會,以及履行對利害關係人的責任是至關重要的。國泰透過董事會決策、監督及管理氣候相關議題,並設立專責單位推動氣候變遷相關因應作為,強化不同業務別與集團內部交流,提升氣候管理。

Overview of Climate Scenario Analysis

Cathay FHC's value chain assessment scope includes operations, upstream suppliers and downstream customers. For detailed information on climate scenario analysis, please see Cathay FHC's "2022 Climate Strategy and Natural Risks Management Report." This report summarizes the relevant scenario analysis results for investment and lending assets, insurance products, and proprietary real estate assets as described below:
Overview of
Climate Scenario Analysis
Upstream
A. Suppliers facing the impact of climate- related risks
Type of Climate Risk:
Physical Risk - Acute
Analysis Time FrameNote1:
Near future, mid-century, end of the century
Scope:
Taiwan
Climate Scenario:
SSP2-4.5、5-8.5
Type of Climate Risk:
Transition Risk - Policy and Legal
Analysis Time FrameNote1:
2030~2050
Scope:
Taiwan
Climate Scenario:
NGFS
Cathay's Operations
B. Impact of typhoons and floods under climate change on repair expenditure of proprietary real estate
Type of Climate Risk:
Physical Risk - Acute
Analysis Time FrameNote1:
Near future, mid-century, end of the century
Scope:
Taiwan
Climate Scenario:
RCP2.6、4.5、6.0、8.5
Cathay's Operations
C. Cost optimization assessment of the integration of renewable energy in the transition to zero-carbon operations
Type of Climate Risk:
Transition Risk - Policy and Legal
Analysis Time FrameNote1:
2030
Scope:
Taiwan
Climate Scenario:
RE100Note2
Downstream /Clients - Investment and Lending
D. Impact of global politics, economics, and natural disasters on the value of investment portfolios
Type of Climate Risk:
Physical Risk - Acute, Chronic
Analysis Time FrameNote1:
2021~2080
Scope:
Global
Climate Scenario:
RCP8.5
Type of Climate Risk:
Transition Risk - Policy and Legal
Analysis Time FrameNote1:
2021~2080
Scope:
Global
Climate Scenario:
NGFS
Downstream /Clients - Investment and Lending
E. Impact on lending portfolios from regulations change and natural disasters
Type of Climate Risk:
Physical Risk - Acute
Analysis Time FrameNote1:
2030 、2050
Scope:
Global
Climate Scenario:
RCPs
Type of Climate Risk:
Transition Risk - Policy and Legal
Analysis Time FrameNote1:
2030 、2050
Scope:
Global
Climate Scenario:
NGFS
Downstream /Clients - Insurance
F. Climate change impact on typhoon and flood insurance claims
Type of Climate Risk:
Physical Risk - Acute
Analysis Time FrameNote1:
Near future, mid-century, end of the century
Scope:
Taiwan
Climate Scenario:
RCP 2.6、4.5、6.0、8.5
Downstream /Clients - Insurance
G. Impact on car insurance claims from temperature and precipitation changes
Type of Climate Risk:
Physical Risk - Acute
Analysis Time FrameNote1:
2035、2050、2100
Scope:
Taiwan
Climate Scenario:
RCP 8.5
Downstream /Clients - Insurance
H. Impact on death and hospitalization medical benefits from temperature changes
Type of Climate Risk:
Physical Risk - Acute
Analysis Time FrameNote1:
2035、2050、2100
Scope:
Taiwan
Climate Scenario:
SSP1- 2.6、2-4.5、3-7.0、5-8.5
Overview of Climate Scenario Analysis
Value Chain Scenario Overview Type of Climate Risk Analysis Time FrameNote1 Scope Climate Scenario
Upstream A. Suppliers facing the impact of climate- related risks Physical Risk - Acute Near future, mid-century, end of the century Taiwan SSP2-4.5、5-8.5
Transition Risk - Policy and Legal 2030~2050 Taiwan NGFS
Cathay's Operations B. Impact of typhoons and floods under climate change on repair expenditure of proprietary real estate Physical Risk - Acute Near future, mid-century, end of the century Taiwan RCP2.6、4.5、6.0、8.5
C. Cost optimization assessment of the integration of renewable energy in the transition to zero-carbon operations Transition Risk - Policy and Legal 2030 Taiwan RE100Note2
Downstream /Clients Investment and Lending D. Impact of global politics, economics, and natural disasters on the value of investment portfolios Physical Risk - Acute, Chronic 2021~2080 Global RCP8.5
Transition Risk - Policy and Legal 2021~2080 Global NGFS
E. Impact on lending portfolios from regulations change and natural disasters Physical Risk - Acute 2030 、2050 Global RCPs
Transition Risk - Policy and Legal 2030 、2050 Global NGFS
Insurance F. Climate change impact on typhoon and flood insurance claims Physical Risk - Acute Near future, mid-century, end of the century Taiwan RCP 2.6、4.5、6.0、8.5
G. Impact on car insurance claims from temperature and precipitation changes Physical Risk - Acute 2035、2050、2100 Taiwan RCP 8.5
H. Impact on death and hospitalization medical benefits from temperature changes Physical Risk - Acute 2035、2050、2100 Taiwan SSP1- 2.6、2-4.5、3-7.0、5-8.5
  • Note 1: "Near future" is defined as before 2035; "mid-century" is defined as from 2046 to 2065; "end of the century" is defined as from 2081 to 2100.
  • Note 2: The climate scenario is based on the assumption that the target of all business offices in Taiwan 100% using renewable energy has been met.