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ISSN 2070-7401 (Print), ISSN 2411-0280 (Online)
Sovremennye problemy distantsionnogo zondirovaniya Zemli iz kosmosa
CURRENT PROBLEMS IN REMOTE SENSING OF THE EARTH FROM SPACE

  

Sovremennye problemy distantsionnogo zondirovaniya Zemli iz kosmosa, 2025, V. 22, No. 5, pp. 425-434

Monitoring climate and environmental risks using Earth remote sensing data in the banking sector

G.Kh. Gaynutdinova 1 , Yu.V. Balmashev 1 , V.N. Korotkov 2 , Ya.K. Kulikov 1 
1 Sberbank PJSC, Moscow, Russia
2 Yu. A. Izrael Institute of Global Climate and Ecology, Moscow, Russia
Accepted: 21.07.2025
DOI: 10.21046/2070-7401-2025-22-5-425-434
In the context of global climate change and growing environmental threats, financial institutions face the need to integrate climate and environmental risk monitoring into their operations. Remote sensing of the Earth (RSE) can serve as a crucial tool for assessing such risks, enabling banks to incorporate climate and environmental factors into their business strategies, manage investment risks, and comply with international sustainable development standards. The application of satellite data allows financial organizations to: assess environmental conditions in areas where collateral assets are located, identify potential threats (such as oil spills, wildfire spread, increased concentrations of harmful substances in the atmosphere), and monitor clients’ compliance with environmental regulations. This significantly reduces investment risks and enhances organizations’ ability to respond promptly to international environmental responsibility requirements. This article examines current aspects of practical application of RSE technologies in the banking sector, while also focusing on the development of predictive models for forecasting climate change. At the same time, it highlights a number of limitations and barriers hindering widespread adoption of RSE technologies in banking processes. The study demonstrates how modern remote monitoring technologies can contribute to enhancing banks’ resilience in the face of global environmental and climate challenges.
Keywords: environmental risks, climate risks, Earth remote sensing, banking sector, risk management in banking
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