Created a state-of-the-art methodology to estimate carbon emissions of an auto loan portfolio. Modeled the portfolio’s current Net Zero scenario alignment and the effects of carbon reduction actions to reduce future emissions.
Why?
To create the tools that identify the main sources of the portfolios emissions and pilot its Net Zero strategy to comply with the corresponding NZBA commitments.
• Developed a predictive model to estimate vehicles’ carbon emissions through vehicle criteria (motorization, age, weight…) and driver data (income, age…).
• Applied these emissions metrics to estimate the portfolio’s level of alignment with a Net Zero climate scenario.
• Modeled the expected effects of the bank’s action to reduce emissions of the financed vehicles.
• All analyzes were developed at country specific level: climate scenarios, climate alignment, automotive sector, personal loans structure...
We have developed the first methodology in the world that enables the measurement of the entire insurance value chain for car claims-specifically for collisions and glass breakage-through collaboration with assistance providers, experts, and insurers.
Why did we create this?
Insurers, like other financial institutions, are increasingly required to comply with regulatory standards on non-financial reporting, including the disclosure of CO₂ emissions. However, accurately assessing emissions across the full claims value chain has been a challenge-until now.
Our methodology provides a breakthrough by enabling companies to:
• Measure emissions across the full value chain, identifying the processes that generate the most and least emissions.
• Reveal actionable insights and potential levers for decarbonization.
• Automate calculations, allowing insurers to generate traceable, timely results that align with evolving regulatory requirements.
Scale internationally, thanks to a well-designed and adaptable framework that can be deployed in different markets and regulatory contexts.
This innovation supports insurers not only in meeting their sustainability goals but also in reporting with confidence and transparency.
Developed a financial engineering model to estimate the investment risk return profile of geoenergy (shallow geothermal) projects for heating and cooling buildings.
Why?
To facilitate the financing of shallow geothermal installations: a lowcarbon heating and cooling solution not frequently adopted cause it is CAPEX intensive.
• Studied the different existing possibilities to finance CAPEX intensive long-term low emission energy projects.
• Developed financial engineering model to estimate projects’ risk-return profile: applying project specific thermal engineering criteria (coefficient of performance, estimated energy consumption…) and financial criteria (share of debt and equity, interest rate…) generate expected return and risk metrics under different scenarios.
• Analyzed how environmental gains (emission reduction, through an LCA approach) may benefit financing (regulation compliance and carbon credits).