Credit cooperatives: ESG and climate risk

institutions using ESGreen's infrastructure: 60+
companies assessed and monitored: 100K+
public, regulatory and global sources integrated: 70+
critical risk layers in the ESGreen Score: 12

Data as of Sep 2026. Source: ESGreen database.

The regulatory environment has evolved. Monitoring needs to evolve with it.

Regulation requires the cooperative to take a view of risk that goes beyond its own balance sheet and reaches its entire chain of counterparties: members, suppliers and the financed land parcels.

Rural credit: Which operations in the portfolio could generate losses in the next 90 days?; The cooperative measures credit, market and operational risk. The climate impact per contract still shows up only after the event.
Social, environmental and climate risk: Relevant changes reach the assessment too late.; And they weigh on Risk, Compliance and Credit at the same time. With BCB Resolution 586, the GRSAC report gains quantitative tables, phased in by prudential segment.
Compliance and AML: Legal, tax, socio-environmental and reputational risks can slip off the radar.; A one-off lookup does not show what changed after onboarding was approved.
Onboarding, supplier qualification and procurement: Scattered information requires manual work.; Consolidating data and prioritizing issues supplier by supplier overloads Onboarding, Qualification and Procurement.
Executive board and board of directors: The problem isn't just that the climate is changing. It's the loss reaching the portfolio without warning.; The event happens in the field. The impact shows up on the balance sheet: provisions, capital and earnings.

Between one lookup and the next, blind spots appear.

From member to land parcel, on the same database.

Six routines that the ESGreen infrastructure supports in the cooperative's day-to-day work.

Grant credit with the current crop season's risk in view.

The analyst sees climate risk per land parcel and per contract before granting credit and can adjust the limit, collateral or coverage.

Module: IRC-ESGreen
Check socio-environmental impediments to rural credit.

CAR (Rural Environmental Registry), environmental embargoes, the MTE employer registry and vegetation clearing after July 31, 2019 (PRODES/INPE), by CPF, CNPJ and property, with the source and date of each check.

Module: ESGreen Pre-assessment and Data & API
Monitor corporate members, suppliers and partners.

Continuous tracking by CNPJ and CPF, with alerts organized by type and by company and the ESGreen Score recalculated with every new fact.

Module: ESGreen Monitoring
Bring financial scenarios to the committee.

Climate concentration by state and crop and three exposure scenarios in reais (favorable, base and severe) to discuss limits, coverage and provisions.

Module: IRC-ESGreen
Apply the PRSAC with evidence.

From policy to evidence: the PRSAC applied to clients, suppliers and operations, with an issue history and protocols logged with the counterparty.

Module: ESGreen Monitoring
Act early with the member.

Preventive contact, guidance and follow-up on the most exposed operations, with room for insurance, technical assistance, preventive renegotiation and sustainable credit lines.

Module: IRC-ESGreen

Monitoring, reporting and verification in the cooperative's routine

Monitoring

Members, suppliers and land parcels tracked continuously. IRC-ESGreen (Climate Risk Index) runs on climate data updated daily.
Reporting

PRSAC and GRSAC reporting with evidence, a report per operation, operational and executive dashboards and regulatory reporting, in the format the committee, audit and regulator read.
Verification

Every data point with source, date and version. Dated IRC runs, versioned methodology and protocols logged with the counterparty.
Decision

One suggested action per operation: monitor, require insurance, review the limit, strengthen collateral, provision or block. The decision stays with the cooperative.

It is the difference between saying you do it and being able to prove you do it.

Platform modules for cooperatives

A platform in three layers: data, intelligence and applications. Every result can be traced back to its source.

IRC-ESGreen

Climate Risk Index per land parcel, contract, member and portfolio, from 0 to 100 (the higher, the greater the risk), with exposure in reais and a suggested action.
ESGreen Score

ESG risk by CNPJ, from 0 to 1,000 (the higher, the lower the risk), across 12 layers and 5 dimensions, with a Confidence Index.
ESGreen Monitoring

Corporate members, suppliers and partners tracked continuously, with a portfolio dashboard by central and by cooperative, alerts and issue management.
Individuals (CPF)

Individual members, rural producers, partners and officers: politically exposed persons, sanctions, lawsuits, certificates and registration status, with alerts per person.
Alert Center

Each alert handled by the right area of the cooperative, with an owner, follow-up deadline, counterparty response and recorded sign-off.
ESGreen Pre-assessment

Individual report per CNPJ or CPF for member onboarding, supplier qualification and credit analysis.
Supplier qualification

Suppliers assessed in a single workflow, with the areas involved set by the risk of each supply and each area's decision recorded.
ESGreen Evidence Assessment

Supplier ESG maturity with 400+ criteria by company size and CNAE activity code, and AI-assisted document validation.
PRSAC and GRSAC

From the social, environmental and climate responsibility policy to the GRSAC report, proportional to the cooperative's size and segment.
Data & API

70+ sources and a data model by CPF, CNPJ, land parcel, contract and portfolio, with IRC lookup within the origination workflow.

Every requirement mapped to a data point, a piece of evidence and a report.

The rules that weigh most on credit cooperatives, from those already in force to those on the way. The cooperative is the one that complies; ESGreen provides data, evidence and an audit trail.

Rules for credit cooperatives: status, what they require and how ESGreen supports
Regulation	Status	What it requires	How ESGreen helps
CMN Res. 4,945/2021 (PRSAC)	In force	Social, environmental and climate responsibility policy approved and applied by every institution in the National Financial System (SFN), cooperatives included.	From policy to evidence: monitoring members, suppliers and operations shows how the PRSAC is applied, with history and protocols.
CMN Res. 5,268/2025 (rural credit, MCR section 9)	In forceIn stages: PRODES/INPE check already required for properties above 4 fiscal modules and on its way for the rest. Remote monitoring of contracts above 300 ha already required	Verification of vegetation clearing after July 31, 2019 and remote sensing monitoring before and during the contract, “documented, auditable and assessable by the Central Bank”.	Checks by CPF, CNPJ and property, climate risk by land parcel, and a record of the source, date and version of each check.
BCB Res. 586/2026 + BCB IN 772/2026 (new GRSAC)	PublishedPhased effectiveness. S1 and S2 make the first quantitative disclosure, based on a reference date prior to it; S3 and S4 follow	GRSAC report with quantitative tables. The draft under public consultation CP 127/2025 included exposures by sector, agricultural credit by biome, and exposure to drought and heavy rainfall by region.	Counterparty classification by CNAE, ESGreen Score per counterparty and IRC-ESGreen per land parcel and region as inputs for the new tables.
CMN Res. 4,943 and 4,944/2021	In force	Social, environmental and climate risk in the risk management framework (4,943 for S1 to S4; 4,944 for the simplified S5 regime).	ESGreen Score and IRC-ESGreen as inputs for risk appetite, limits and stress tests.
BCB Res. 151/2021 (DRSAC)	In forceSemiannual submission, in February and August	Social, environmental and climate risk assessments of exposures and borrowers submitted to the Central Bank.	Risk flags per counterparty, with source and date, ready to feed into the document.
Brazilian Sustainable Taxonomy (Decree 12,705/2025) and MRV System	VoluntaryFor now. Credit cooperatives are expected in the second wave of the MRV system, which is moving toward mandatory verification	Classification of activities by CNAE, alignment indicators and, later, verification by accredited verifiers.	Prepared for the TSB MRV system: classification by CNAE and evidence per operation.
CMN Res. 5,185/2024 (IFRS S1/S2), where applicable	In forceAlready mandatory for publicly traded financial institutions and S1 and S2 conglomerate leaders; S3 next	Sustainability report (CBPS 01/02) with reasonable assurance by an independent auditor.	Evidence trail ready for reasonable assurance and physical risk inputs for IFRS S2.
BCB Circular 3,978/2020 (AML/CFT)	In force	Procedures to know clients, employees, partners and outsourced service providers.	Continuous monitoring of suppliers and partners, with restrictive lists, international sanctions and news.

Deadlines are set by regulators and may change. Official dates and estimates, with the review date, are on the regulatory map.

Where each requirement stands today

Deadlines may change. The direction does not: every requirement moves from drafting to consultation, from publication to effectiveness. And the evidence it will call for needs a history.

Under development

Foreseen in an official document, with no date set in a rule yet.
- TSB: MRV Portal and first wave (S1 and S2 banks, asset managers, funds and listed companies) TSB
- TSB: second wave, with credit cooperatives, insurers and pension funds TSB
- TSB: mandatory verification by accredited verifiers TSB
Proposed

Under consultation or with a proposed timeline. The direction is already set.

No milestones in this status.
Published

Rule published. The requirement takes effect in stages.
- EUDR: zero-deforestation due diligence for large and medium-sized operators EUDR
- New GRSAC: quantitative tables in the report BCB 586
- CMN 5,268: PRODES check for properties of up to 4 fiscal modules CMN 5.268
- EUDR for micro and small operators EUDR
- New GRSAC: first quantitative disclosure, starting with S1 and S2 BCB 586
- CMN 5,185: IFRS S1/S2 reporting for S3 institutions CMN 5.185
In force

Already applies. Evidence must be kept up to date.
- CMN 5,185: IFRS S1/S2 reporting with reasonable assurance for publicly traded institutions and S1 and S2 leaders CMN 5.185
- CMN 5,268: PRODES check and remote monitoring in rural credit CMN 5.268

Informational content; not legal advice. Deadlines are set by regulators and subject to change; official dates are on the regulatory map. Status reviewed on 30/09/2026.

Two readings of the same portfolio

Two readings of the same portfolio
Official zoning (ZARC)	IRC-ESGreen
Static, by municipality and by crop season.	Dynamic, per land parcel, recalculated with every run.

Cross-referencing with a dynamic analysis can reveal exposures that aggregate zoning does not show at the operation level. The comparison requires a methodological basis, a sample and statistical evidence for the subset analyzed.

Documented recognition, technology present in real decisions

In chapter 6, “Responsible Solutions”, of the Sicredi 2025 Sustainability Report, ESGreen is cited as the platform used to monitor and assess supplier ESG.

“Today we have a customizable, agile platform that centralizes all the analysis of our supply chain, records every interaction with suppliers and generates a comparable ESG Score in minutes.”

Bruno Virtuoso, Procurement and Sourcing Manager, Sicredi

Sicredi 2025 Sustainability Report, ch. 6, p. 127 (GRI 2-6 | 3-3)

Read the Sicredi case study

Validated on a real rural credit portfolio

414 contracts
1,023 land parcels
160 cities in PR, SC and RS

Portfolio of a credit cooperative in Southern Brazil.

Alert issued

12 daysA −1.6 °C frost forecast for July 14 in Caxias do Sul, identified 12 days in advance.

Field study

94.3% of the portfolio analyzed showed some level of exposure to extreme weather events in the previous two years. Field study covering more than 1,000 areas and properties in Southern Brazil.

Clients who trust ESGreen

Data as of Sep 2026.

In the credit pipeline, in committee and in reporting.

Via API, dashboard, report or alert. The executive board sees the portfolio. The account manager sees the contract. The regulator sees the evidence.

Assessment report per operationattachable to the credit file.
Operational dashboardranking, filters and a 360° view of each member.
Executive dashboardportfolio thermometer, map and scenarios.
Alertsby forecast event and affected operation.
APIIRC lookup within the origination workflow.
Regulatory reportingevidence for the Central Bank, auditors and IFRS S2.

Navigation levels

Portfolio
Ranking
Member 360
Assessment report

For central cooperatives and systems, the platform can run under the cooperative system's own visual identity (white label).

Security, privacy and procurement of data services: See the Trust page

ESGreen Education

Boards, committees and leaders need to show command of the subject. ESGreen Education trains these audiences with immersive workshops (ESG Lab), learning paths with assessment and a certificate of completion (ESG 360) and tailored content (On Demand). At Sicredi Dexis, the entire management layer completed the training before building its own materiality matrix.

Explore ESGreen Education

How does ESGreen support the cooperative with CMN Resolution 5,268?

Section 9 of the MCR (Rural Credit Manual), as amended by CMN 5,268/2025, requires checking for vegetation clearing after July 31, 2019 using PRODES/INPE and, for contracts above 300 ha, documented and auditable remote sensing monitoring. ESGreen organizes these checks by CPF, CNPJ and property and records the source, date and version of each one. The credit decision and compliance with the rule remain with the cooperative.

Does the IRC-ESGreen replace ZARC?

No. ZARC (Agricultural Climate Risk Zoning) is the official zoning: static, by municipality and by crop season. IRC-ESGreen is dynamic, calculated per land parcel and recalculated with every run. The two readings complement each other: cross-checking them can reveal exposures that the aggregated zoning does not show per operation.

What data does the cooperative need to provide?

For ESGreen Monitoring, the list of CNPJs and CPFs to track. For IRC-ESGreen, the portfolio or a sample of operations, with the location of the land parcels and the operation data: credit type, collateral, coverage and history. The exact scope is defined during implementation.

Does the solution work for individual cooperatives, central cooperatives and cooperative systems?

Yes. Our offer is sized by the monitored base (number of CNPJs and CPFs), users and access profiles, contract term and integrations. This lets you start with one cooperative, one central cooperative or a whole system.

How does the cooperative prepare for the MRV system of the Brazilian Sustainable Taxonomy?

The TSB MRV system guidance places credit cooperatives in the second wave, after S1 and S2 banks, and the path ends in mandatory verification by accredited verifiers. Adoption is voluntary for now, but the track record that verification will ask for cannot be built overnight. Preparing means classifying operations by CNAE, keeping evidence per operation and storing dated history. ESGreen provides this data with source, date and version.

Are the ESGreen Score or IRC-ESGreen a credit rating?

No. They are assessments based on public and regulatory data and on proprietary models. They do not constitute a credit rating, investment recommendation or legal opinion and should be used as input for decisions made by the cooperative itself.

Shall we talk about the risks in your portfolio?

In a 30-minute conversation, we show the infrastructure applied to your cooperative's rural portfolio, members and regulatory obligations.

Demo with credit cooperative use cases
Pre-assessment of CNPJs in your base
Portfolio climate exposure reading

Or write to contato@esgreen.com.br

An ESGreen specialist replies within one business day to schedule a time.

Tell us what you need

Fields marked with * are required.

Name

Work email

We use this email to reply.

Institution

Job title

Type of institution

Subject

CNPJ for pre-assessment (optional)

Client, supplier or partner. An expert gets back to you with the pre-assessment.

How can we help?

0 of 2,000

Cookies and privacy

Members, suppliers and rural portfolio monitored at system scale.

What already applies and what is coming

Grant credit with the current crop season's risk in view.

Check socio-environmental impediments to rural credit.

Monitor corporate members, suppliers and partners.

Bring financial scenarios to the committee.

Apply the PRSAC with evidence.

Act early with the member.

Monitoring

Reporting

Verification

Decision

Where each requirement stands today

Under development

Proposed

Published

In force