PCAF Financed Emissions
Calculate financed emissions for a bank, asset manager or insurer's lending and investment portfolio under the PCAF (Partnership for Carbon Accounting Financials) Global GHG Accounting and Reporting Standard for the Financial Industry, Part A, third edition (December 2025), across ten asset classes (listed equity and corporate bonds, business loans and unlisted equity, project finance, commercial real estate, mortgages, motor vehicle loans, sovereign debt, sub-sovereign debt, use of proceeds structures, and securitizations and structured products). Use this skill whenever the user mentions PCAF, financed emissions, attribution factor, portfolio carbon footprint for a bank or fund, Scope 3 Category 15 (investments), data quality score for financed emissions, or needs to report the GHG emissions associated with a loan or investment book rather than the institution's own operations.
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Calculate financed emissions for a bank, asset manager or insurer's lending and investment portfolio under the PCAF (Partnership for Carbon Accounting Financials) Global GHG Accoun…
What you'll get
Excel workbook with one row per exposure (loan or investment), its attribution factor, financed emissions, and a PCAF data quality score (1 to 5) marking whether that row's data was reported, estimated from physical activity, or estimated from an economic proxy, rolled up by asset class and portfolio wide
How it works
Commercial invoices, supplier data, production records, in any format or language.
The AI guides you through missing data, validates inputs, and clarifies methodology in real time.
Each field cites the source document it came from, in the conversation. Edit, approve, or re-upload as needed.
Download the official output, ready to submit to the regulator.
Frequently asked questions
What is the PCAF data quality score?
A 1 to 5 score PCAF defines for each exposure, marking whether the underlying emissions data was reported by the borrower, estimated from physical activity data, or estimated from an economic proxy. Formist assigns the score each exposure actually qualifies for and rolls it up by asset class and portfolio.
Which asset classes does it cover?
All ten PCAF asset classes: listed equity and corporate bonds, business loans and unlisted equity, project finance, commercial real estate, mortgages, motor vehicle loans, sovereign debt, sub-sovereign debt, use-of-proceeds structures, and securitizations and structured products.
How does this relate to GHG Protocol Scope 3?
Financed emissions are GHG Protocol Scope 3 Category 15 (Investments) for a bank, asset manager or insurer's own emissions inventory.
Is PCAF recognized by regulators?
Yes. For example, Canada's Office of the Superintendent of Financial Institutions (OSFI) recognizes PCAF's Guideline B-15.
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