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🇩🇪 Herkunft der Analyse

Diese Analyse basiert auf meinem deutschsprachigen Artikel:
👉 Greenwashed Promises und Transition Scams – Warum Europas Anleihenmärkte ein Glaubwürdigkeitsproblem haben

📘 Das Projekt ist auf Englisch dokumentiert, um international zugänglich und beruflich nutzbar zu sein.
📄 Eine deutsche PDF-Zusammenfassung ist unter /article/ verfügbar.

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📊 Transition Bonds Europe: Gap, Risk, Data & Policy Analysis

A professional research & data analytics project exploring credibility gaps, policy risk, and country-level exposure in European transition bonds.
Combines data science, financial analysis, and ESG policy review to assess whether transition bonds drive real impact — or just greenwashing.

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🧠 Key Technical Skills Demonstrated

• 📊 Advanced financial data analysis (issuance patterns, sector exposure)
• 🧮 ESG & credit risk correlation modeling
• 🗺 Gap & risk matrix building using real-world regulatory frameworks
• 📈 Data visualization with Python (heatmaps, radar plots, bar charts)
• 🏛 Deep dive into EU sustainable finance regulations (GBS, Taxonomy)
• 🧰 Tools: pandas, seaborn, scikit-learn, plotly, Excel

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📘 What’s Inside the Notebook

• 📥 Loads transition_issuance.csv and policy_gap_matrix.csv
• 📊 Correlation matrix between ESG score, credit spreads & issuance volume
• 🧠 Country-level policy credibility review (Germany, France, Italy)
• 🕸 Radar chart visualization of EU policy gaps
• ✅ Conclusions & recommendations for improving bond credibility

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🖼️ Visuals

ESG vs Credit Spread Correlation ![Correlation Matrix]

Policy Gaps Radar Chart ![Policy Gap Radar]

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📂 Project Structure

📁 data/
    ├── transition_issuance.csv
    └── policy_gap_matrix.csv

📁 notebooks/
    └── transition_bond_analysis.ipynb

📁 visuals/
    ├── correlation_matrix.png
    └── policy_gaps_radar.png

📁 references/
    └── (to be added)

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📄 Article/ 📌 Based on my article (in German):
👉 Greenwashed Promises und Transition Scams, Warum Europas Anleihemärkte an Glaubwürdigkeit verlieren (PDF)

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🔗 Part of my ESG & transition bonds research series

• 🌍 From Greenwashing to Real Impact — Why Transition Bonds Matter
• 🇪🇺 Transition Bonds: The New Greenwashing?

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🙌 Why this matters

This analysis shows:

• How credibility gaps differ across European countries
• Where policy risk is highest
• Why data-driven insight is key to avoid greenwashing in sustainable finance

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📚 How to Cite

Aziz, S. (2025). Saveeza/transition-bonds-europe-gap-risk-data-policy-analysis: Initial Zenodo Release — Transition Bonds & Risk Exposure Analysis (EU) (v1.0). Zenodo. https://doi.org/10.5281/zenodo.16149515

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🚧 Project Status

✅ Repository created & structured
✅ All data, visuals, and notebook finalized
✅ Article PDF uploaded and linked
✅ Banner added
✅ README fully written
📌 Project complete and published

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👤 About the Author

Saveeza Aziz is a data analyst with a focus on sustainable finance and applied policy evaluation. Her work combines technical expertise in ESG scoring, EU Taxonomy alignment, and investment modeling to support real-world financial decisions. She has contributed to projects on the real estate market in Luxembourg, the green transport transition in Germany, and the credibility challenge of transition bonds held by Dutch pension funds. Her approach bridges regulatory frameworks and market performance through data-driven insights that are both practical and impact-focused — especially in areas like green finance accountability, disclosure enforcement, and policy-aligned investment strategies.

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📫 Questions, feedback, or want the summary in German? Feel free to get in touch.