ClimateReport uses data already in your core banking infrastructure, generates the CBK Climate-Related Risk Reporting templates automatically, and produces a fully traceable evidence trail for every submitted figure. No spreadsheets. No manual collation. No reporting gaps.
The problem
The five CBK templates don't ask for simple totals. They require your entire loan book broken down by sector, by county, by maturity, and by emissions exposure — and each template slices the data differently. The numbers across all five must reconcile, and every figure must trace back to the individual loans that produced it.
Today, legacy reporting workflows across the industry frequently depend on fragmented spreadsheets and manual collation — meaning weeks of effort every reporting cycle, formulas that break when the underlying data changes, and no reliable way to demonstrate to a CBK reviewer which loans sit behind a submitted number.
When the CBK asks that question — and under supervisory review, they will — a spreadsheet cannot answer it. Neither can an assurance provider when ICPAK's mandatory audit requirements begin escalating from 2028.
Regulatory timeline
All Public Interest Entities (PIE) — including commercial banks — must submit a Sustainability Reporting Readiness Assessment to ICPAK six months before the mandatory reporting deadline. Assessments evaluate governance, strategy, risk management, and metrics systems. Banks are also expected to have engaged their assurance provider by the same date.
All commercial banks must disclose quantitative and qualitative climate-related financial risks across their loan portfolios using the prescribed CBK templates. The templates require to be reported across multiple cuts — sector by county, by maturity, by emissions intensity — and every figure has to trace back to the loans behind it. A submission built on estimates won't survive supervisory review.
Sustainability disclosures are subject to a phased assurance regime: limited assurance for periods beginning 1 January 2028, reasonable assurance (excluding Scope 3) from 1 January 2029, and full reasonable assurance including Scope 3 from 1 January 2030. Assurance must be performed by ICPAK-licensed practitioners. The evidence trail that makes assurance possible starts in the data — not the narrative.
How it works
ClimateReport utilises the data your core banking system already holds — structured the way your systems already export it. Two standard datasets are all that's required.
The standard extract your Data & Regulatory Reporting team already produces — account details, outstanding balances, maturity dates, borrower information, and sector classification. If your bank runs on Temenos T24 or Oracle FLEXCUBE, this is a report your team already knows how to pull.
Your collateral records — what's secured against each loan, the valuation, and where the collateral is located. ClimateReport handles cases where multiple loans share the same collateral, so your team doesn't need to untangle those relationships manually.
One-time setup: A sector mapping reference translates your internal industry codes to the KeSIC classification the CBK requires. You fill it once. ClimateReport applies it to every subsequent submission.
Before generating any reports, ClimateReport checks your data for gaps and inconsistencies. Missing fields are flagged, and each flag tells you exactly which of the five CBK reports will be affected. You see the issues before they reach the regulator — not after.
ClimateReport takes your individual loan records and produces the sector-by-county, sector-by-maturity, and emissions breakdowns each template demands. Where a value has been estimated rather than sourced directly, it's clearly marked — so you know exactly what's provisional.
All five reports generated in the format the CBK prescribes. Every number traces back to the loans that produced it. Cross-template totals are reconciled automatically, so your submission is internally consistent before it leaves your desk.
The five CBK templates
ClimateReport generates all five prescribed CBK Climate-Related Risk Reporting templates from the April 2025 framework. Each template is produced with the correct dimensional structure, aggregation logic, and per-loan evidence trail.
Where is your lending portfolio exposed to physical climate hazards? This template maps your collateral and loan exposures across Kenya's 47 counties, calculating portfolio exposure segmented across acute climate events — such as flooding and storms — and chronic hazards including drought, heat stress, and rising temperatures. ClimateReport generates the geographic and sector breakdowns automatically from your underlying data.
County-level exposure · Acute vs. chronic hazard segmentation
How exposed is your loan book to the economic shift away from carbon-intensive activities? This template breaks down your portfolio by sector, loan maturity profile, and carbon emissions attributed to your lending. Eligibility and alignment calculations are powered by the Leteni GreenScreen™ proprietary classification engine, benchmarked against the Kenya Green Finance Taxonomy (KGFT). Emissions attribution uses Kenya-specific emission factors with data quality scoring on every input.
Sector breakdown · Maturity profile · KGFT-powered alignment
How does climate risk affect your institution's financial position? ClimateReport automatically analyses your uploaded portfolio data to generate an initial first-draft qualitative narrative for this disclosure — the template CBK reviewers read first, and the one most likely to trigger follow-up questions if the numbers in your other four submissions don't support the story.
Auto-generated first-draft narrative · Institution-level assessment
Is your institution making progress on its climate commitments? This module generates the required supervisory insights and portfolio baseline metrics directly from your ingested data — green lending ratios, emissions trends, year-on-year performance, and progress against your board-approved targets. The output is the template auditors will benchmark against your own stated commitments.
Portfolio baselines · Supervisory KPIs · Target tracking
Which parts of your portfolio are aligned with Kenya's Green Finance Taxonomy? This template focuses on high-emitting sectors — mining, manufacturing, electricity, and transport — and requires detailed sector classification. ClimateReport uses the Leteni proprietary classification engine to analyse loan descriptions and use of proceeds, automatically mapping facilities to the correct KSIC (Kenya Standard Industrial Classification) codes and closing the sector data gap that most banks face.
Proprietary classification engine · High-emitting sector focus
Capabilities
The CBK doesn't want your raw loan data — it wants your portfolio broken down by sector, by county, by maturity, and by emissions exposure, with each template slicing it differently. ClimateReport assembles those breakdowns automatically from your underlying records, so your team doesn't build them manually every reporting cycle.
Every number in every submitted report traces back to the individual loans that produced it. When a CBK reviewer asks which loans sit behind a figure — and under supervisory review, they will — ClimateReport answers in one click. That traceability is also what ICPAK-licensed assurance providers will expect from 2028.
Before any report is generated, ClimateReport checks that your data is complete and consistent. Missing fields are flagged, and each flag names which of the five reports will be affected. Totals across templates are reconciled automatically — so you catch inconsistencies before the regulator does.
Financed emissions calculated using Kenya-specific emission factors and industry benchmarks, attributed to your lending portfolio in line with international methodology. Every calculation includes a data quality score, so you and your assurance provider can see where figures are based on direct borrower data and where they rely on sector-level estimates.
Your internal industry codes are mapped to the sector classification the CBK requires. Where your existing data isn't detailed enough — particularly for the Alignment Metrics template, which needs finer sector breakdowns — ClimateReport tells you exactly which loans are affected and what's missing, before it degrades your submission.
Open any number in any submitted report and see the loans behind it — what classification was applied, how strong the underlying data is, and whether any value was estimated rather than sourced directly. Every estimate is clearly marked so there are no surprises during review.
"Which loans produced this number?"
Every cell in every submitted template traces back to the individual loan records that contributed to it. That per-loan evidence trail is what separates a submission from a defensible submission — and it's what ICPAK-licensed assurance providers will require from 2028 onward.
Who this is for
For ESG Consultants & Advisors
Your bank clients are asking you to get them CBK-ready. ClimateReport is the infrastructure that turns your consulting engagement into a defensible, submission-ready deliverable — across every bank you serve.
For Heads of Sustainability & CROs
ClimateReport connects directly to the data your core banking system already holds. Your Reporting & Analytics team provides two standard data extracts they already know how to produce. ClimateReport handles everything from validation to the five final templates.
Regulatory grounding
Built in direct reference to the Central Bank of Kenya's Climate-Related Risk Reporting Templates (April 2025), the Kenya Green Finance Taxonomy v1.0, the PCAF Global GHG Accounting and Reporting Standard, and the ICPAK Advisory on IFRS S1/S2 Adoption Timelines.
ClimateReport is in guided pilot with a small number of banks and ESG consultants preparing for the January 2027 CBK deadline. Early access includes onboarding, data mapping support, and direct access to the team building the product.