ESG Portfolio Scoring

AI-scored loan portfolio · HUF 6,480B total exposure

PCAF · ESRS E1 · EU Taxonomy · TCFD

Weighted ESG Score

51.4

Grade B

Green Asset Ratio

12.8%

Target 22% by 2026

Portfolio Carbon

124k tCO₂e

Financed emissions / yr

YoY Score Change

+3.2

pts vs FY2025

SDG-Aligned Share

34.1%

of total exposure

Green Asset Ratio — EU Taxonomy Pathway

Target: 22% by 31 Dec 2026
0%22% target30%
Current: 12.8%Gap: 9.2ppHUF 596B to originate / reclassify

Sector ESG Breakdown

Click a row to inspect

SectorExposureShareESGCarbon IntensityTrendGrade
Real EstateHUF 1,840B28.4%
42
64
71
8.4 tCO₂e/MHUFB
ManufacturingHUF 1,120B17.3%
38
58
67
22.1 tCO₂e/MHUFC+
AgricultureHUF 680B10.5%
31
54
55
31.7 tCO₂e/MHUFC
Transport & LogisticsHUF 590B9.1%
36
60
62
18.9 tCO₂e/MHUFC+
Energy & UtilitiesHUF 510B7.9%
71
66
74
5.2 tCO₂e/MHUFB+
Retail & HospitalityHUF 480B7.4%
55
70
68
7.8 tCO₂e/MHUFB
Healthcare & PharmaHUF 420B6.5%
62
80
82
4.1 tCO₂e/MHUFA
Technology & ICTHUF 380B5.9%
68
74
85
2.3 tCO₂e/MHUFA
ConstructionHUF 320B4.9%
34
56
60
19.4 tCO₂e/MHUFC+
OtherHUF 140B2.1%
48
61
65
10.2 tCO₂e/MHUFB

AI Insights & Recommendations

1,248 retail customers pre-qualified for SolarStart

84% confidence

AI cross-referenced energy transaction data, cadastre records and roof irradiance maps. Identified 1,248 homeowners with high solar ROI potential. Estimated incremental HUF 9.9B green loan origination if 30% convert.

HUF 9.9BSolarRetailOrigination

Agriculture portfolio: drought transition risk elevated

77% confidence

RCP4.5 scenario modelling shows 34% of agriculture exposure (HUF 231B) faces yield reduction > 20% by 2030. Recommend covenant review and green transition support for top 40 borrowers.

HUF 231B at riskClimate RiskAgricultureTCFD

CSRD Scope 3 data gap — 26% of SME portfolio unscored

91% confidence

342 SME borrowers lack Scope 3 emission disclosures required under ESRS E1. Automated data-request workflow can close 80% of gap within 60 days using supplier transaction data.

CSRDScope 3SME

EcoRenovate: 2,840 pre-1990 mortgages identified

88% confidence

Clustering on property age, heating costs and postcode energy ratings revealed 2,840 mortgage customers eligible for insulation/window grants plus bank renovation loan. EU co-financing available.

HUF 42.6BEfficiencyRetailEU Taxonomy

Real estate portfolio: 18% of collateral below EPC C

82% confidence

As EU EPC recast directive tightens minimum standards from 2028, HUF 331B of mortgage collateral faces potential value haircut. AI recommends proactive customer outreach with renovation financing.

HUF 331B collateral riskReal EstateEPCMortgage

Taxonomy alignment gap: 9.2pp to 2026 target

73% confidence

Current green asset ratio (GAR) is 12.8%; board target is 22% by end-2026. AI model identifies HUF 580B of existing non-green exposures with high reclassification probability if borrowers complete DNSH assessment.

HUF 580B reclassifiableEU TaxonomyGARStrategy

Portfolio ESG Profile

Select a sector row to inspect its detailed ESG profile and drill-down metrics.

Overall Scores

48E
64S
70G