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Van oudsher staan financiële factoren centraal in kredietrisicomodellen als PD, en het ligt voor de hand dat dat zo blijft. Maar er is steeds meer bewijs dat het aanvullen van financiële data met ESG-maatstaven een verstandige zet is.",{"type":345,"content":394},[395,397,404],{"text":396,"type":349},"Zoals steeds meer studies in zowel de Verenigde Staten als Europa onderstrepen, en ook ",{"text":398,"type":349,"marks":399},"een recent EBA-rapport",[400],{"type":369,"attrs":401},{"href":402,"uuid":372,"anchor":372,"target":403,"linktype":110},"https:\u002F\u002Fwww.eba.europa.eu\u002Fsites\u002Fdefault\u002Fdocuments\u002Ffiles\u002Fdocument_library\u002FPublications\u002FReports\u002F2023\u002F1062711\u002FReport%20on%20the%20role%20of%20environmental%20and%20social%20risks%20in%20the%20prudential%20framework.pdf","_blank",{"text":405,"type":349},", kan de ESG-prestatie van een bedrijf zijn bedrijfsresultaten beïnvloeden en daarmee de kans dat het zijn lening niet terugbetaalt. ESG en PD samenbrengen helpt banken dus een vollediger en scherper beeld van het kredietrisico van een klant te krijgen, en daarnaar te handelen om hun eigen risico als kredietverstrekker te verkleinen.",{"type":355,"attrs":407,"content":408},{"level":357},[409],{"text":410,"type":349},"Meer dan alleen een marketingkans",{"type":345,"content":412},[413],{"text":414,"type":349},"Genuanceerder dan uitsluiting op sectorniveau en minder willekeurig dan sustainability-linked producten: ESG-prestatiedata verwerken in PD-modellen is voor banken een manier om op de lange termijn bij te dragen aan een duurzamer financieringslandschap, met meetbare middelen die het risico op greenwashing beperken. Op de korte termijn biedt deze aanpak banken de kans hun eigen prestaties direct te verbeteren, door kredietwaardigheid vollediger te beoordelen en betere kredietbeslissingen te nemen.",{"type":345,"content":416},[417,419,425],{"text":418,"type":349},"Het is een driedubbele winst: voor banken, voor de samenleving en voor onze planeet. En u hoeft het niet alleen te doen: neem gerust ",{"text":420,"type":349,"marks":421},"contact op met de experts van Ace",[422],{"type":369,"attrs":423},{"href":424,"uuid":372,"anchor":372,"target":373,"linktype":12},"\u002Fteam",{"text":426,"type":349}," om te horen hoe wij u helpen de kloof tussen ESG en PD te overbruggen.","2023-11-16 15:24:20","Blog",{"id":430,"alt":333,"filename":431,"fieldtype":432},205752525501972,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F294177895581993\u002F53441\u002F8f77af0cdd\u002Fwhy-embedding-esg-into-pd-models-is-good-for-banks.jpg","asset","Waarom ESG in probability of default modellen goed is voor banken en de planeet",{"name":435,"created_at":436,"published_at":437,"updated_at":438,"id":439,"uuid":440,"content":441,"slug":459,"full_slug":460,"sort_by_date":372,"position":461,"tag_list":462,"is_startpage":29,"parent_id":463,"meta_data":372,"group_id":464,"first_published_at":465,"release_id":372,"lang":466,"path":372,"alternates":467,"default_full_slug":372,"translated_slugs":372,"_stopResolving":15},"Janco Jordaan","2026-07-31T10:04:21.292Z","2026-08-26T07:44:28.675Z","2026-08-26T07:44:28.692Z",203991700688516,"10e7ea9e-9dd0-4f22-8f29-982994c23161",{"bio":442,"_uid":448,"name":435,"role":449,"email":450,"facts":451,"phone":452,"photo":453,"quote":456,"linkedin":457,"component":458,"quote_source":9},{"type":342,"content":443},[444],{"type":345,"content":445},[446],{"text":447,"type":349},"Janco werkt sinds 2018 bij Ace + Company en heeft binnen de managementconsultancy een bewezen staat van dienst op het gebied van portfolio- en changemanagement, datakwaliteit en governance, (business) datamodellering en het opstellen van (data)requirements.","1aafb9df-3894-42cc-b371-29cdc91b8f28","Partner","janco.jordaan@acecompany.nl",[],"06 4666 7035",{"id":454,"alt":435,"name":9,"focus":9,"title":9,"filename":455,"copyright":9,"fieldtype":432},203988219230185,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F294177895581993\u002F768x960\u002Fa317a5929f\u002Fteam-janco-jordaan.webp","Ace geeft mij het platform om echt het verschil te maken in de manier waarop onze klanten regulatory change beheersen en inrichten. Structurele oplossingen verankeren is een uitdaging die ik graag aanga.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fjanco-jordaan-847225a6\u002F","team_member","janco-jordaan","nl\u002Fteam\u002Fjanco-jordaan",-100,[],203991674748537,"20ee2aaa-9433-4ba3-957c-9e11d8ad4e5b","2026-07-31T10:04:21.331Z","nl",[],"Van uitsluiting op sectorniveau tot sustainability-linked producten: steeds meer banken zetten stappen om aan te sluiten bij de groeiende vraag naar een duurzamere financiële sector. 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