When Lloyds Banking Group set out to assess the interaction between agriculture and nature at scale, they turned to Earth Blox. Together, we built a geospatial evidence base that has enabled the UK’s largest nature risk mapping pilot in the sector to date.

Farming and finance are intrinsically linked. Both depend on nature, and both are exposed to the risks that come with its degradation. Recognising this, Lloyds Banking Group has taken a leading role in embedding nature into its risk and opportunity frameworks, working with Earth Blox to understand how environmental pressures play out across a diverse agricultural portfolio.

The outcome is Farming with nature — a landmark report that combines farm-level data with Earth observation analytics to illuminate the dependencies and impacts of farming businesses across 5.1 million hectares of UK farmland.

Bringing nature into focus

Using Earth Blox, Lloyds was able to move from fragmented assessments to a consistent, TNFD-aligned view of nature-related risk and opportunity. Our platform enabled them to:

• Map exposure and dependence on ecosystem services, including water availability, soil health and pollination, across 46,000 agricultural clients.
  
• Identify regional pressures such as drought risk in East Anglia and low biomass in arable landscapes.
  
• Pinpoint opportunities for nature-positive action — such as tree planting, water retention, and cover cropping — layered with operational and financial data.

"With this data, we can prioritise support to farms most at risk, scale existing solutions and pinpoint cases where innovative products can drive resilience and growth." - Andrew Walton, Chief Sustainability Officer at Lloyds Banking Group

This level of insight means Lloyds can now support clients more precisely, directing finance to where it will deliver the greatest returns for both resilience and regeneration.

Evidence that drives real-world change

What once took consultants months now takes minutes, without compromising on rigour. Our technology allowed Lloyds to harmonise multiple datasets and apply them across an entire lending portfolio, from arable farmland in the East to upland pasture in the North.

The insights informed practical recommendations for farmers, helping them to make informed decisions about interventions that improve profitability while protecting natural capital

"These insights are helping us identify opportunities, mitigate risks, and provide actionable, timely guidance for farmers to build resilience."

From mapping drought vulnerability to supporting nature-positive financing, Lloyds have demonstrated how geospatial intelligence can underpin a forward-thinking approach to sustainable finance.

Read the Lloyds Banking Group report, Farming with nature, to see how geospatial data is helping reshape finance for nature. Download the report here.

A blueprint for other banks

The Farming with nature project is not just about agriculture; it’s a case study in how the finance sector can integrate nature data into decision-making, at scale. For banks and financial institutions preparing for TNFD or aiming to understand environmental risk across their own portfolios, this pilot offers a blueprint for action.

At Earth Blox, we work with organisations across finance, conservation, and supply chains to translate satellite data into decision-ready insight. What sets our approach apart is the ability to work portfolio-wide, turning nature and climate insight into business resilience — helping you anticipate risks, streamline compliance, and uncover strategic opportunities that deliver bottom-line value.

If you’re looking to build a nature risk pilot or embed spatial intelligence into climate and nature finance, we’d be glad to support you. Get started here.