Banking · MAS 610 · PCAF v2025
Position-level financed emissions. Audit-ready. AI-ready.
The granular data infrastructure for PCAF v2025, MAS 610, and the APAC granular reporting shift.
Evercomm is building the financed-emissions and supervisory data layer with SMBC as the initiative lead, CTBC in active build for Q3, and a major partnership with leading APAC SupTech providers going live alongside the Association of Banks in Singapore granular data reporting initiative.
01 / The banking shift
Banking is moving from annual disclosure to continuous granular truth.
PCAF v2025 has tightened the methodology bar for financed emissions — position-level attribution, vintage tracking, data-quality scoring, asset-class coverage. At the same time, supervisors across APAC are pulling banking reporting toward the AnaCredit-style granular standard now arriving in Singapore through MAS 610, Thailand through Bank of Thailand granular returns, and Hong Kong and Japan through ISSB-aligned climate disclosure.
The shift is not optional and not far away. Banks that wait will end up rebuilding their data layer twice — once for climate, once for supervisory. Banks that move now build it once and report against it everywhere.
02 / What Evercomm runs underneath the bank
One granular base. Every report. Every model.
The Nx-Engine ingests core banking, loan-origination, custody, securities, and counterparty systems, then structures the data to PCAF v2025, MAS 610, and ISSB S2 standards on the same granular base. Every figure on every regulatory return is traceable to a source record.
| Layer | Product / engine | What it does in banking |
|---|---|---|
| Engine | Nx-Engine v2.4.1 | Granular data engine. Position-level lineage, vintage tracking, PCAF / MAS / ISSB rule packs, audit trail. |
| Library | EF Library 2024.Q4 | Emission factor library — region- and asset-class-tagged, versioned for audit, refreshed quarterly. |
| Ingest | NXOps | Connectors to core banking, loan-origination, custody, securities, derivatives, counterparty masters. |
| Measure | NXMap · FE Module | PCAF v2025 calculations across asset classes. Data-quality scoring per position. Vintage management. |
| Simulate | NXPlan · Portfolio | Scenario simulation across loan books. SBTi targets, transition risk, net-zero pathways, capex sequencing. |
03 / Use cases
What banking teams actually do with it.
Four roles, one granular base.
Sustainability & ESG
PCAF v2025 across the full portfolio.
Listed equity, corporate loans, project finance, mortgages, motor vehicle loans, sovereign debt. Auditable data-quality scoring on every position. ISSB S2, ESRS E1, TCFD disclosures from the same base.
Risk & CRO
Climate stress testing on real positions.
Not assumed averages — actual counterparty emissions trajectories. Transition-risk pathways. Physical-risk overlays on collateral. The same data feeds ICAAP and supervisory scenario exercises.
Regulatory reporting
MAS 610 granular returns as a query.
Same data layer that produces PCAF disclosures generates MAS 610 returns. AnaCredit-equivalent readiness in APAC. ECB and HKMA granular reporting on the same foundation when those regimes extend.
Data, AI & innovation
AI agents on position-level facts.
Portfolio analytics, ESG ratings, transition-financing customer engagement — every agent operates on position-level facts with full lineage. No hallucination, no fabricated emissions figures.
04 / What the data looks like
Position-level emissions. Quality-scored. Auditor-grade.
Sample disclosure from the FE Module — figures illustrative, structure live. The same KPIs, the same table, the same chart, the same lineage on every bank deployment.
Portfolio financed emissions
2.41MtCO₂e
↓ 8.2% vs FY24 baseline
Loan positions covered
18,492
↑ 100% coverage achieved Q1
PCAF data quality score
2.7/5
↑ improved from 3.4 in FY24
Financed emissions — top exposures
Position-level · PCAF v2025 · 2026-Q1 snapshot · illustrative
| Counterparty | Sector | Outstanding (SGD) | Attributed tCO₂e | DQ | Status |
|---|---|---|---|---|---|
| Counterparty A · Manufacturing | Industrials | 412,580,000 | 38,420 | DQ 2 | Verified |
| Counterparty B · Power Gen | Utilities | 298,200,000 | 141,860 | DQ 1 | Verified |
| Counterparty C · Cement | Materials | 186,400,000 | 92,310 | DQ 3 | Pending |
| Counterparty D · Aviation | Transport | 154,920,000 | 68,140 | DQ 2 | Verified |
| Counterparty E · Real Estate | Property | 142,180,000 | 24,890 | DQ 2 | Verified |
| Counterparty F · Shipping | Transport | 98,640,000 | 52,310 | DQ 4 | Pending |
Granular shift — coverage by reporting layer
% of portfolio reported · 4-stage maturity model · Q1 2025 → Q1 2027
Aggregated
Basic granular
Wide granular
Full granular
05 / Banks and SupTech partners
Building with the partners shaping the standard.
Banks & initiatives
SMBC initiative lead
CTBC active build · Q3
Association of Banks in Singapore Q3 reveal
Additional APAC bank partners Q3 reveal
SupTech & verification
Regnology Q3 reveal
Bureau Veritas verification
BlueOnion ESG data
Standards we operate to
PCAF
v2025
MAS 610
Singapore
ISSB
S1 · S2
ESRS
E1
TCFD
ISSA 5000
assurance
06 / FAQ
Questions we hear from banking teams.
Predictable objections, direct answers.
Spreadsheet PCAF gives you an annual number. Evercomm gives you a position-level data layer with vintage tracking, lineage, and data-quality scoring on every line — the same base that supervisors are starting to require under MAS 610 and AnaCredit-equivalent regimes. You report PCAF and MAS and ISSB from one source instead of three reconciliations.
No. NXOps connects to your existing core banking, loan-origination, custody, and counterparty systems read-only, on a defined cadence, with full lineage. We sit alongside, not in the transaction path.
The same granular base supports PCAF v2025, MAS 610, ISSB S2, ESRS E1, and TCFD out of the box, with extensibility for AnaCredit, HKMA granular returns, and emerging APAC regimes. New rule packs ship with regulator releases, not with quarterly software upgrades.
A typical bank moves through three phases: source-system mapping (4–8 weeks), Nx-Engine deployment and PCAF v2025 backbook calibration (8–12 weeks), and parallel-run with existing PCAF reporting (one cycle) before cutover. SMBC and CTBC are on this timeline now.
Banking deployments support in-country cloud and hybrid options. Singapore data-residency standards are operating today. We extend the same discipline to other APAC jurisdictions and to private-cloud or on-premise where the bank requires it.
Explore other sectors
Same infrastructure, different sectors.
02 / Industrial
One granular base. Every report. Every model.
How industrials use the same Nx-Engine for CSRD, CBAM, ISSB, SBTi, and operational AI.
See the industrial platform → 03 / Public sectorAccountable, AI-ready public reporting.
The 2026 design partner cohort for government, healthcare, education, and NGOs.
See the public-sector platform →Talk to a banking specialist.
Whether you're scoping PCAF v2025 readiness, designing your MAS 610 granular reporting transition, or planning the data layer for climate stress testing — there's a focused conversation to have.