Yasotha K.R Gopal

Document & post

Climate Sense - CCPT is Everyone's Business in a Bank

By

Captured 13 August 2026 · LinkedIn displayed “1yr •” at capture. Original publication date unverified.

Read the original LinkedIn post Jump to original text ↓
CCPT & sustainable financeRisk & resilience

Original illustrated document

8 pages to explore

Download PDF (1.0 MB)
Page 1 of Climate Sense - CCPT is Everyone's Business in a Bank. Read the extracted page text below or open the original PDF.

Page 1 of 8

Read the document text, page by page

Automatically extracted from the original PDF. Reading order and symbols may differ from the designed pages; the PDF remains the authoritative visual version.

Page 1

Climate Sense - CCPT Isn’t Just for Credit – It’s Everyone’s Business in a Bank

Page 2

Department-by-Department: How CCPT Applies — With Daily Examples ➢1. Procurement / Vendor Management ➢2. IT & Data Governance ➢3. Compliance & Legal ➢4. Finance / Treasury ➢5. Human Resources (HR) / People Office(PO)

Page 3

1. Procurement / Vendor Management How it connects to CCPT: Vendors contribute to your bank’s carbon footprint and resilience. Poor sustainability practices = operational and reputational risk. Daily guide: ➢Screen vendors for environmental certifications (e.g. ISO 14001). ➢Prioritise suppliers who adopt green logistics or renewable energy. ➢Ask: Is this vendor aligned to Green, Amber or Red activities? Example: Choosing between two cleaning service providers — one uses chemical-free, biodegradable products (GP2); another doesn’t (Amber/Red).

Page 4

2. IT & Data Governance How it connects to CCPT: CCPT reporting relies on accurate borrower/activity data. IT ensures systems are CCPT- ready and structured. Daily guide: ➢Ensure systems allow tagging of loans by CCPT classification (GP1, GP2, Amber, Red). ➢Build ESG dashboards and data validation rules. ➢Align data taxonomy with CCPT, CRMSA, and IFRS S2 requirements. Example: An RM keys in a CCPT tag for a client — does your core system capture that properly for Board reporting?

Page 5

3. Compliance & Legal How it connects to CCPT: Greenwashing and misclassification are not just ESG issues — they are legal and regulatory exposures Daily guide: ➢Review product documentation to ensure ESG claims are supported by CCPT alignment. ➢Include CCPT checks in internal reviews. ➢Train legal reviewers on the taxonomy to avoid unintended misclassification. Example: Marketing drafts a campaign for a “Green Housing Loan.” Legal must confirm: does this align with GP1 criteria under CCPT?

Page 6

4. Finance / Treasury How it connects to CCPT: Green financing must be backed by credible use of proceeds and classification. Treasury manages exposure and investor disclosures Daily guide: ➢Track % of green vs non-aligned financing portfolios. ➢Map bond issuances or sukuk to CCPT categories. ➢Identify gaps to support transition sectors. Example: When structuring a green sukuk, Finance must verify: Are the underlying projects GP1-compliant (e.g., certified solar installations)?

Page 7

5. Human Resources (HR) / People Office (PO) How it connects to CCPT: Without climate-competent staff, even the best frameworks will fail. Daily guide: ➢Embed ESG/CCPT into onboarding and annual training. ➢Identify ESG skill gaps across departments. ➢Align job roles (e.g., Credit Analyst, Risk Officer) with sustainability KPIs. Example: Design a short module explaining CCPT basics — include examples relevant to roles: Credit (loan assessment), IT (data tagging), Risk (portfolio review).

Page 8

Final Thought CCPT isn’t just a credit tool — it’s a shared responsibility. ➢From the RM to the Risk Analyst, the IT Officer to the HR Executive — everyone has a role in steering the bank towards climate resilience and sustainable finance. ➢If you’re in a non-credit role: - Have you seen CCPT showing up in your daily work? - What support do you need to engage better? Let’s make ESG a whole-bank effort — not a silo.

Open the complete original PDF

In Yasotha’s words

Original post

CCPT Isn’t Just for Credit – It’s Everyone’s Business in a Bank

Since sharing how CCPT relates to credit, operational risk, and BCM, I’ve received encouraging responses. So, let’s go a step further.

Here’s a simple truth: Bank Negara Malaysia’s CCPT isn’t just about classifying loans. It’s about embedding climate and sustainability thinking across the entire bank — from procurement to IT, compliance to HR/People Office.

As someone who transitioned from Credit to Operational Risk & BCM, and now certified in Climate Risk (ICRP, UK), I can clearly see - To deliver sustainable finance, the whole institution must move in sync.

Let me share with you, why I say so.

Keep exploring

Continue the conversation.

Yasotha K.R Gopal

Banking insight. Practical learning. Thoughtful transition.

LinkedIn

Personal educational views. Not financial or regulatory advice, or a statement on behalf of an employer.

Briefing enquiry

Shape a useful first conversation.

Choose a few starting points, then copy the summary into the channel you prefer. This website prepares a summary; it does not send a message.

Continue on LinkedIn