The Materiality Mismatch
In mid-October, parts of England were declared in severe drought. According to ITV News, the Environment Agency will increase compliance checks on businesses that abstract water, to confirm they are
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In mid-October, parts of England were declared in severe drought. According to ITV News, the Environment Agency will increase compliance checks on businesses that abstract water, to confirm they are
Your SME client opens an email from their bank. Inside is a long climate survey, three acronyms they have never seen and a two-week deadline. It goes to the bottom
According to the Office for National Statistics, there are 147,920 UK companies with turnover between £2m and £20m. That’s only the lower half of the mid-market. Add the firms between
According to the Insolvency Service, one in every 200 companies in England and Wales entered insolvency in the 12 months to August 2026. Few of those failures came out of
The FCA is due to publish its final rules on sustainability ratings providers this quarter. The reason it’s stepping in should make every underwriter pause before trusting a single number.
The PRA’s SS5/25 implementation deadline was four months ago, and one question keeps coming up in smaller lenders’ risk committees. What does “proportionate” actually look like when you don’t have
Picture the UK economy as a map that lights up wherever a company’s risk profile is clear to insurers. The largest businesses glow brightly, because they sit inside mandatory climate-related
The compliance certificate lands on the relationship manager’s desk. Two of the borrower’s three sustainability performance targets have been missed, and the margin step-up is already written into the facility
In December 2025, the Prudential Regulation Authority raised the bar. Supervisory Statement SS5/25 moved climate risk out of the “awareness” phase and into core financial workflows: governance, credit underwriting, capital
This report is based on the first in a series of enlightening panel discussions that sets out to frame the problems and challenges being faced by all stakeholders in the ESG finance space. Despite the SMEs desire to engage in ESG practices, a lack of information on how to take action against climate change and competing business priorities are significant challenges in improving these practices.
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