Solution Embed physical climate risk assessment into bank credit and portfolio processes and use blended climate-finance facilities to structure and lend for client resilience investments. Key challenge Fragmented climate risk and credit decisions (and underpricing of environmental/social externalities) makes adaptation investments harder to justify and finance at scale. Context CIB is the largest private-sector bank in Egypt with established relationships in agriculture, food and beverage, and water-intensive industries, and it integrates sustainability across policies, strategic initiatives, financed transactions, and operations. The bank created a Sustainable Finance Strategy with an integrated Environmental & Social Risk Management (ESRM) system, using materiality analysis and heatmap-based methodologies to capture sector vulnerabilities and geographic exposure, feeding an ESG risk scoring framework being rolled out to reflect climate risk in credit evaluation and portfolio oversight. Solution in practice CIB applied its climate/ESG risk scoring and ESRM approach with corporate food-industry clients exposed to heatwaves, water stress and temperature-driven supply chain disruption, then worked with them to identify and finance targeted resilience investments through its Climate Finance Program developed with PROPARCO and supported by blended finance from the GCF. Three example financings include a modern greenhouse system with drip irrigation and IoT monitoring (USD 5.2 million and 99 million EGP) to reduce water consumption; wave breakers for a port (EGP 1.3 billion) to improve anti-flooding protection amid sea-level rise; and local manufacturing capacity (USD 4 million) for advanced wastewater treatment technologies (e.g., hybrid filters, sludge collectors, flocculators, regulation gates). To scale, CIB launched the “Brain Trust” initiative at COP27, combining a governance mechanism (CIB, clients, DFIs, and external technical partners) to validate designs and mechanisms, with an operational framework that runs from risk identification and project design through financial structuring, instrument selection, and impact measurement/disclosure/reporting. Impact / outcome Financed greenhouse irrigation (USD 5.2m + EGP 99m), port wave breakers (EGP 1.3bn) and wastewater technology manufacturing (USD 4m). Next steps Build partnerships between commercial banks and MDBs/DFIs to support pre-screening projects against adaptation standards and validate risk assessments, while expanding granular physical-risk data infrastructure that captures the geographic location of client assets and operations (not only headquarters). Extend the physical-risk assessment methodology to additional sectors and geographies and continue investing in data, methodology, and talent to translate climate risk into credit-relevant metrics that enable systematic scale-up of adaptation finance. Organizations involved Authoring: Commercial International Bank (CIB); World Economic Forum; Marsh Actors: PROPARCO; Green Climate Fund (GCF) Implementation partners Regulators & Policymakers; Asset Owners & Managers