A practitioner’s library
Explore 57 original posts by Yasotha K.R Gopal: climate risk, sustainable finance, customer conversations and the realities of transition.
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Original posts, videos and illustrated guides, organised around the work you do.
Customer-facing bankers
Bankers, credit and sustainability teams
Relationship Managers and SME banking teams
Credit, operational risk and BCM teams
Banking leaders and board audiences
Learning teams and banking practitioners
57 of 57 insights
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As climate risk and sustainability become increasingly important, many Relationship Managers (RMs) are expected to engage customers on these topics.
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When climate transition is discussed, many businesses focus on the risks: ⚠️ New regulations ⚠️ Carbon pricing ⚠️ Rising compliance requirements ⚠️ Changing customer expectations ⚠️ Increasing operating costs While these risks are real, there is another side to the story.
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When we talk about climate risk, many people still think about long-term scenarios decades away. But for many businesses, climate risk is already affecting operations today.
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When discussing climate transition and sustainability, large corporations often receive the most attention. But in reality, SMEs form the backbone of many economies and supply chains.
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The agriculture and plantation sectors are increasingly exposed to climate-related risks. Today, businesses are already facing: ⚠️ Flood disruptions ⚠️Prolonged droughts ⚠️Unpredictable weather patterns ⚠️Crop yield volatility ⚠️Biodiversity and environmental pressures ⚠️Increasing sustainability expectations from…
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When businesses hear about sustainability or climate transition, many immediately think: “Higher cost.”
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Traditionally, Relationship Managers (RMs) were mainly focused on: ✔ Business growth ✔ Financing needs ✔ Credit performance ✔ Relationship management But as climate-related risks increasingly affect businesses, the RM role is evolving.
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One common misconception about climate risk and Bank Negara Malaysia’s CCPT is that banks will eventually stop supporting customers that are not fully “GREEN”.
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When RM hear about Bank Negara Malaysia’s Climate Change and Principle-based Taxonomy (CCPT), they immediately think:
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"What does Climate Risk have to do with me hitting my sales target?"
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Beyond CCPT: A Banker’s Guide to ASEAN Sustainable Finance - Series 6/6
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Beyond CCPT: A Banker’s Guide to ASEAN Sustainable Finance Series 5/6
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Beyond CCPT: A Banker’s Guide to ASEAN Sustainable Finance - Series 4/6
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Beyond CCPT: A Banker’s Guide to ASEAN Sustainable Finance - Series 3/6
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“Beyond CCPT: A Banker’s Guide to ASEAN Sustainable Finance” Series 2/6
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“Something Is Shifting Beyond CCPT .....Are We Ready?”
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Let’s be practical. When an SME: 🔖 - Upgrades to more efficient machinery, 🔖- Reduces energy consumption, 🔖- Minimises production waste, 🔖- Improves supply-chain transparency. They are not simply cutting emissions.
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From Training Rooms to a Net Zero Future: Why This Work Matters
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Is your team just "tagging" climate risk, or are they managing it?
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The Reflective Story
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Headline: From Policy to Practice: The CCPT Journey Gains Momentum
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The Lifelong Learner - Back to "School"
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Storytelling Series — Transition in Action Through a Banker’s Lens (Part 5)
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Storytelling Series — Transition in Action Through a Banker’s Lens (Part 4)
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Storytelling Series — Transition in Action Through a Banker’s Lens (Part 3)
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Storytelling Series — Transition in Action Through a Banker’s Lens (Part 2)
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"Storytelling Series — Transition in Action Through a Banker’s Lens" (Part 1)
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Inside the Credit Room - How VBIAF & CCPT Strengthen Risk and Opportunity Assessment (VBIAF × CCPT in Action 4)
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How Bankers Can Start the Sustainability Conversation with SMEs (VBIAF × CCPT in Action 3)
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COP 30 Belém - The COP of Implementation, Not Intention
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 9/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 8/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 7/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 6/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 5/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 4/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 3/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 2/9)
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CGM Global Summit 2025 – Reflections Through a Banker’s Lens (Series 1/9)
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In my last post, I shared a quick VBIAF vs CCPT Cheat Sheet — a side-by-side look at how the two frameworks differ.
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After completing my 3-part series on VBIAF and CCPT — from spark to flame — many have asked me a straightforward question:
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VBIAF to CCPT: Connecting Principles to Practice - Part 3 — Why the Spark and Flame Must Burn Together
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From Spark to Flame: Understanding VBIAF’s Role in Shaping CCPT (Part 2)
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"From Spark to Flame: Understanding VBIAF’s Role in Shaping CCPT (Part 1)"
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Climate, Economy & Finance: How It All Connects
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Credit Management : How CCPT Influences Lending, Pricing, and Risk Decisions
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How to Explain CCPT to a Relationship Manager/Credit Officers: A Practical Banker’s Guide.
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When Bank Negara Malaysia introduced the Climate Change and Principle-based Taxonomy (CCPT), many in the banking industry saw it as a compliance exercise — something to tick off for regulatory reporting. But the real value of CCPT lies not in reporting exposures, but in responding to them.
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CCPT Isn’t Just for Credit – It’s Everyone’s Business in a Bank
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CCPT and Business Continuity: Planning for a Climate-Stressed Future - A banker’s guide to building resilience into business continuity planning.
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Operational Risk Meets CCPT: Embedding Climate Taxonomy into Risk and Controls A guide for risk managers and bankers who want to make climate frameworks real ------------------------------------------------------------------------------------ Bank Negara Malaysia’s Climate Change and Principle-based Taxonomy (CCPT)…
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From Credit Risk to Climate Risk: Applying CCPT Beyond Compliance
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💬 Climate Risk - “How exactly does climate change affect banks?”
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🌍 Climate Change Isn’t Just a Scientific Issue — It’s a Strategic One for Banks
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𝐄𝐒𝐆 𝐢𝐧 𝐂𝐫𝐞𝐝𝐢𝐭 𝐑𝐢𝐬𝐤: 𝐀 𝐁𝐚𝐧𝐤𝐞𝐫’𝐬 𝐂𝐡𝐞𝐜𝐤𝐥𝐢𝐬𝐭 𝐟𝐨𝐫 𝐄𝐒𝐆 𝐅𝐨𝐫𝐰𝐚𝐫𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐢𝐧 𝐌𝐚𝐥𝐚𝐲𝐬𝐢a
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Just finished the course “The Six Morning Habits of High Performers”! hashtag #productivityimprovement
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