A city commercial bank → PCAF financed emissions + climate-scenario analysis
Facing PCAF financed-emissions accounting and climate-risk disclosure, the bank used the financial-institution solution to compute portfolio emissions and run climate-scenario analysis for green-finance decisions.
This case is fully anonymised and refers to no specific customer.
- Whole-portfolioPCAF financed-emissions coverage
- Traceableverifiable financed-emissions accounting
- Scenario-basedassessable climate-risk exposure
- TCFD/ISSBone-click disclosure elements
Customer: A city commercial bank (corporate-lending-led, portfolio across several carbon-intensive sectors)
Background
- Industry
- Financial Institutions
- Solution
- Green Finance
- Customer
- A city commercial bank (corporate-lending-led, portfolio across several carbon-intensive sectors)
The bank’s corporate-loan book covers carbon-intensive sectors such as power, steel and building materials. As the central bank’s green-finance agenda and ISSB / TCFD climate disclosure take hold, it must compute financed emissions per PCAF methodology (the portfolio’s “financial emissions”) and run climate-scenario analysis to assess transition and physical risk. The core difficulty: underlying corporate carbon data is hard to obtain, sector factors are complex, and results must feed both credit decisions and regulatory disclosure — impossible to do at scale and verifiably by hand.
The challenge
Under the twin pressure of compliance and cost, these were the core problems.
Financed emissions rely on underlying corporate data — hard to obtain, with complex sector factors.
PCAF accounting must be traceable and verifiable; manual work can’t scale across the whole portfolio.
Climate-scenario analysis and disclosure need specialist capability, linked to credit decisions.
The AMT approach
From the data foundation to compliant delivery — phased, end to end.
- 1Model the portfolio
The financial-institution solution models the portfolio by sector and obligor, aggregating available underlying carbon data.
- 2PCAF financed-emissions accounting
Compute financed emissions per PCAF methodology and attribution factors, with traceable, verifiable results.
- 3Climate-scenario analysis
Assess portfolio exposure under transition and physical scenarios, producing TCFD/ISSB disclosure elements.
- 4Link credit & disclosure
Feed accounting and scenario results into green-credit decisions and annual sustainability disclosure.
Outcomes
Beyond compliance — quantifiable savings and efficiency.
All figures are anonymised and shown as indicative ranges; they do not refer to any specific customer.
“A bank itself barely emits — the challenge is all in the assets. Only by quantifying financed emissions and seeing risk through scenarios does green finance stop being a slogan.”
Shared within NDA limits · anonymised
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