{"id":25461,"date":"2026-01-05T09:00:00","date_gmt":"2026-01-05T13:00:00","guid":{"rendered":"https:\/\/gestionderiesgo.org\/?p=25461"},"modified":"2026-10-12T21:02:14","modified_gmt":"2026-10-13T01:02:14","slug":"integrating-esg-into-credit-risk-recommendations","status":"publish","type":"post","link":"https:\/\/gestionderiesgo.org\/en\/integrating-esg-into-credit-risk-recommendations\/","title":{"rendered":"Integrating ESG into Credit Risk: Recommendations"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" 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class=\"cgp-intro\">\n<p class=\"cgp-kind\">Compilation \u00b7 Individual authorship<\/p>\n<h2 class=\"cgp-title\">Integrating ESG into Credit Risk: Recommendations<\/h2>\n<p class=\"cgp-lead\">A single file brings together more than a dozen approaches on how ESG factors affect credit quality.<\/p>\n<dl class=\"cgp-facts\"><div><dt>Organization<\/dt><dd>Compilation by Gaby Frangieh (third-party documents)<\/dd><\/div><div><dt>Document date<\/dt><dd>January 2026<\/dd><\/div><div><dt>Type<\/dt><dd>Compilation<\/dd><\/div><div><dt>Language<\/dt><dd>English<\/dd><\/div><div><dt>Scope<\/dt><dd>International<\/dd><\/div><div><dt>Length<\/dt><dd>299 pages<\/dd><\/div><div><dt>Authorship<\/dt><dd>Compiled by Gaby Frangieh, senior advisor in risk management, finance and banking<\/dd><\/div><\/dl>\n<div class=\"cgp-actions\"><a class=\"cgp-btn\" href=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/01\/2026_Integration_ESG_into_credit_risks_1767633694.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l5 5v12a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1z\"\/><path d=\"M14 3v5h5\"\/><path d=\"M9 14h6\"\/><path d=\"M9 17h4\"\/><\/svg>Open the compilation (PDF hosted on this site)<\/a><\/div>\n<\/div>\n<\/header>\n<div class=\"cgp-body\">\n<div class=\"cgp-main\">\n<h3>What it contains<\/h3>\n<p>The document is a compilation prepared by Gaby Frangieh, senior advisor in risk management, finance and banking, that reproduces third-party work on integrating environmental, social and governance factors into credit risk. It is not an original publication of an organization: each chapter keeps the authorship and the terms of its source.<\/p><p>The index includes Protiviti\u2019s practical analysis of how to integrate ESG risks into credit assessment (2024), Deloitte\u2019s work on an ESG overlay for credit appraisal (2022), academic studies on the impact of ESG factors on corporate credit risk and on measuring it in Europe, CRIF\u2019s analysis of how ESG factors affect credit risk, the 2022 work of the Hong Kong Monetary Authority on whether better ESG performance lowers sovereign credit risk, Management Solutions\u2019 2024 summary of the EBA draft guidelines on ESG risk management, the pricing of ESG risk in sovereign credit (Hermes Investment Management, 2019), an ESG-modified credit risk assessment model based on decision trees (2022) and First Abu Dhabi Bank\u2019s ESG risk policy (2023), among others.<\/p><p>Given its length, it works as a reference library: it lets you compare methodologies, see examples of an institution\u2019s policy and locate the literature behind each approach. Anyone who needs to cite a specific result should go to the original document reproduced in the corresponding chapter.<\/p>\n<section class=\"cgp-importa\"><h3>Why it matters for risk management<\/h3><p>It complements the Superintendency of Banks\u2019 guide on environmental and social risks with international experience in credit assessment. Because it is a file of third-party material, the date, scope and currency of each chapter should be verified at its original source.<\/p><\/section>\n<p class=\"cgp-aviso\">No official page for this file was found; the copy that the Club originally published on this site is linked.<\/p><p class=\"cgp-note\">Summary prepared by the Dominican Republic Risk Management Club from a reading of the original document, with the source verified on 7 October 2026. It does not replace reading the official text and is not advice.<\/p>\n<p class=\"cgp-back\"><a href=\"\/en\/publicaciones\/\">See all publications<\/a><\/p>\n<\/div>\n<aside class=\"cgp-side\">\n<section class=\"cgp-card\"><h3>Key points<\/h3><ul class=\"cgp-points\"><li>A compilation of more than a dozen third-party works, with 299 pages.<\/li><li>It combines the view of consulting firms (Protiviti, Deloitte, CRIF), regulators (HKMA, EBA) and academic studies.<\/li><li>It includes an example of a financial institution\u2019s ESG risk policy (First Abu Dhabi Bank, 2023).<\/li><li>Each chapter keeps the authorship of its source; it is not an original publication.<\/li><li>Useful as a starting point for the work of the ESG risk committee.<\/li><\/ul><\/section>\n<section class=\"cgp-card\"><h3>How to cite it<\/h3><p class=\"cgp-cite\">Frangieh, G. (comp.) (2026). Integrating ESG into Credit Risk: Recommendations. Compilation of third-party documents, January 2026.<\/p><\/section>\n<section class=\"cgp-card\"><h3>Topics<\/h3><ul class=\"cgp-chips\"><li><a href=\"\/en\/publicaciones\/?tema=asg-y-clima\">ESG and climate<\/a><\/li><li><a href=\"\/en\/publicaciones\/?tema=riesgo-de-credito-y-contraparte\">Credit and counterparty risk<\/a><\/li><\/ul><\/section>\n<\/aside>\n<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Zilla+Slab:wght@500;600&display=swap\">\n<footer id=\"cgr-foot\" aria-label=\"Footer of the Risk Management Club\">\n<style>\n#main{padding-bottom:0!important}\n.fusion-fullwidth:has(#cgr-foot),.fusion-layout-column:has(#cgr-foot){padding-bottom:0!important;margin-bottom:0!important}\n#cgr-foot{--navy:#0E3351;--blue:#186392;--web:#1A80B6;--red:#E22A3A;--ink:#1C2632;--slate:#5B6775;--line:#D9E1EA;--mist:#F2F5F8;\n  position:relative;margin:96px 0 0;padding:0;background:var(--mist);box-shadow:0 0 0 100vmax var(--mist);clip-path:inset(0 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Tiradentes at the corner of Presidente Gonz\u00e1lez, Ensanche Naco, Santo Domingo<\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2\"\/><\/svg><span><a href=\"tel:+18097453289\">809-745-3289<\/a><br><a href=\"tel:+18494774959\">849-477-4959<\/a><a class=\"cgf-wa\" href=\"https:\/\/wa.me\/18494774959\" target=\"_blank\" rel=\"noopener\" aria-label=\"Escribir por WhatsApp al 849-477-4959 (se abre en una pesta\u00f1a nueva)\" title=\"WhatsApp\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413Z\"\/><\/svg><\/a><\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/><path d=\"m3.5 6.5 8.5 6.5 8.5-6.5\"\/><\/svg><a href=\"mailto:info@gestionderiesgo.org\">info@gestionderiesgo.org<\/a><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>Monday to Thursday, 8:30 a.m. to 5:30 p.m.<br>Friday, 8:30 a.m. to 5:00 p.m.<\/span><\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cgf-bar\">\n  <div class=\"cgf-legal\"><img decoding=\"async\" class=\"cgf-pay\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2023\/01\/Verified.png\" alt=\"Verified by Visa y Mastercard ID Check\" width=\"101\" height=\"34\" loading=\"lazy\"><p>\u00a9 2026 Gesti\u00f3n de Riesgo RD, SRL. All rights reserved.<\/p><\/div>\n  <nav class=\"cgf-pol\" aria-label=\"Policies\">\n    <a href=\"\/en\/politicasdeprivacidad\/\">Privacy<\/a><a href=\"\/en\/terminos-y-condiciones-2\/\">Terms and Conditions<\/a><a href=\"\/en\/politicas-de-entrega\/\">Delivery<\/a><a href=\"\/en\/politicas-de-cancelacion\/\">Cancellation<\/a><a href=\"\/en\/politicas-de-devolucion\/\">Returns<\/a><a href=\"\/en\/politicas-de-reembolso\/\">Refunds<\/a><a href=\"\/en\/politicas-de-seguridad\/\">Security<\/a><a href=\"\/en\/preguntas-frecuentes\/\">Frequently asked questions<\/a>\n  <\/nav>\n<\/div>\n<\/footer>\n\n<style>#cgr-foot .cgf-ct li a.cgf-wa{display:inline-flex;vertical-align:middle;margin-left:8px}#cgr-foot .cgf-ct li a.cgf-wa svg{width:18px;height:18px;margin:0;fill:#25D366;stroke:none}<\/style><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A 299-page compilation of analyses by consulting firms, regulators and academics on how to incorporate ESG factors into credit risk assessment: Protiviti, Deloitte, CRIF, HKMA, the EBA via Management Solutions and others.<\/p>","protected":false},"author":1,"featured_media":25562,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"cgp_org":"Compilaci\u00f3n de Gaby Frangieh (documentos de terceros)","cgp_siglas":"ESG","cgp_tipo":"Compilaci\u00f3n","cgp_fecha":"2026-01-05","cgp_url":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/01\/2026_Integration_ESG_into_credit_risks_1767633694.pdf","cgp_pdf":"","cgp_idioma":"Ingl\u00e9s","cgp_pais":"Internacional","cgp_temas":"ASG y clima,Riesgo de cr\u00e9dito y contraparte","cgp_portada":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-integrating-esg-into-credit-risk-recommendations.jpg","cgp_verificado":"2026-10-07","cgp_origen":"migrada","cgp_fuente":"Autor\u00eda individual","cgp_paginas":"299","cgp_autores":"Compilado por Gaby Frangieh, asesora senior en gesti\u00f3n de riesgos, finanzas y banca","cgp_fecha_texto":"Enero de 2026","cgp_portada_tipo":"doc","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-25461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publicaciones-del-sector"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-integrating-esg-into-credit-risk-recommendations.jpg","_links":{"self":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25461","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/comments?post=25461"}],"version-history":[{"count":5,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25461\/revisions"}],"predecessor-version":[{"id":26326,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25461\/revisions\/26326"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media\/25562"}],"wp:attachment":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media?parent=25461"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/categories?post=25461"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/tags?post=25461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}