Banking Solutions

Move from hazard models to observed outcomes

ICEYE’s global flood intelligence feeds your credit, valuation, and stress-testing models with timely, property-level impact data, so you can manage non-performing loans, capital requirements, and vulnerable customers with confidence.

Floods are not only a climate risk — they are a credit and capital problem. When homes and commercial properties are flooded, collateral values fall, and borrowers’ cash flows are disrupted. This raises delinquency and default risk, especially for mortgage and SME portfolios with high physical exposure.

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See through clouds and darkness

With ICEYE’s Synthetic Aperture Radar (SAR) satellites, you can see through darkness, smoke, and cloud, receiving consistent flood intelligence regardless of weather or time of day.

This gives your credit and analytics teams a robust, repeatable data source to support fair value assessments, scenario design, stress testing, and post-event exposure assessment.

Own constellation

We own and operate the world's largest SAR satellite constellation, dedicated to monitoring catastrophic flood events in near real-time. Controlling the entire data value chain ensures consistent, independent observations that you can rely on for credit risk, collateral revaluation, and disaster-response planning.

Observed, not modelled, flood outcomes

ICEYE measures actual flood extents and depths during events, building a unique archive of over 400 flood events across more than 40 countries. This observed data can be linked to your loan book to back-test, calibrate, and enhance internal credit and valuation models, going beyond scenario-based hazard modelling.

Leading banking industry expertise

Our product roadmap is shaped by the needs of global banks, insurers, and public-sector bodies. Teams spanning finance, risk management, meteorology, hydrology, and GIS work with your climate, credit, and model risk stakeholders to ensure ICEYE data integrates into existing capital, impairment, and ESG frameworks.

Improve portfolio-level visibility

Satellite-based flood intelligence lets you see which properties and customers in your portfolio are exposed — by geography, product, branch, or business unit. This supports faster incident management, more targeted forbearance and hardship strategies, and clearer internal and regulatory reporting.

Strengthen community resilience

With reliable, near real-time flood impact data, you can quickly identify customers in financial difficulty, prioritize outreach, and tailor support measures. This strengthens outcomes for vulnerable customers, aligns with emerging conduct expectations, and shows supervisors that climate risk is embedded in day-to-day risk management.

Climate-related credit and capital risk management

Quickly identify which mortgages and loans are backed by flooded collateral, estimate potential losses, and allocate capital accordingly. Use observed event data to inform climate stress tests, exposure analysis, and portfolio steering in high-risk regions.

Property valuation and collateral monitoring

Feed precise, property-level flood exposure data into your valuation and models to identify assets that may have suffered a material decline in value. Support your obligations under EU, UK and US collateral monitoring regimes by combining statistical models with observed flood outcomes.

Proactive customer care

Swiftly identify borrowers whose homes or business premises have been flooded and prioritize outreach, temporary payment relief, or restructuring options. Align with hardship and vulnerable customer frameworks by basing your decisions on objective, timely impact data rather than relying solely on self-reporting.

Climate and ESG disclosures

Use event-based flood intelligence to evidence how physical climate risk is identified, monitored and managed across your portfolios. Enhance climate and ESG disclosures by linking exposures, impacts and management actions to observed flood outcomes, not just scenario assumptions.

Parametric risk transfer and hedging

Leverage reliable, near real-time flood measurements as an independent trigger for parametric solutions that hedge catastrophic losses across your mortgage and loan portfolios, or support public–private disaster risk financing programmes.