EcoAsset.AI

Data Platform for covered bonds and securitisation

We make your asset data and reporting withstand regulatory and rating agency scrutiny. Independent advisory, a modular data platform, or both.

EcoAsset.AI combines vendor-neutral advisory with a modular data platform. Our advisory offers end-to-end support for institutions issuing structured finance instruments: rating readiness, asset pool data quality, and collateral pool software modernisation. The platform runs cover pool management, securitisation risk monitoring and ESG enrichment. It raises the quality and transparency of your loan data, and automates reporting to regulators, rating agencies and investors.

Regulatory Compliance

Navigate EU Taxonomy/Green Asset Ratio (GAR), CRR/CRD, CSRD and EPBD with confidence.

Capital and Funding

Optimise capital efficiency by improving asset classification and mitigating risks. Enable green bonds and simplify covered bonds issuance, unlock access to cheaper funding and broader investor base.

Operational Efficiency

Increase automation and reduce errors. Streamline ESG and risk reporting for internal teams, regulators, rating agencies, and investors.

EcoAsset.AI offers a modular customizable approach to address your business needs

Module 1

Sustainability data retrieval & digitalisation for mortgage loans

Module 2

Borrower segmentation and sustainable loan top-up intelligence

Module 3

Daily cover/collateral pool management — selection, expected loss analysis, composition optimisation

Module 4

Tracks securitised asset pools across multiple transactions and asset classes (e.g., RMBS, ABS, ABCP)

EcoAsset.AI

Modular Data Platform for Next-Generation Treasury Asset Management

Eco Data Enrichment

AI-driven sustainability data retrieval and digitalisation for mortgage loans. Extracts data using OCR and LLM, searches via API integration, and predicts missing data with machine learning.

Transforms non-digital or missing EPC data into a fully digital format. Crucial for regulatory reporting and improving your Green Asset Ratio (GAR)

Eco Loan Expansion

Borrower segmentation and personalisation for sustainable loan top-up proposals. Includes customer segmentation, property value uplift analysis (EPC-based VAP), and monitoring.

Identifies green cross-selling opportunities within your existing portfolio.

Risk-optimised Pool Management

Daily cover/collateral pool management, selection, expected loss analysis, and composition optimisation. Supports new business processing and existing portfolio management. Facilitates loan preparation, inclusion/removal from cover pool, collateral management, cover register management, coverage calculations, eligibility (e.g. according to the German Pfandbrief law), and stress testing.

A key feature is the automated generation of rating agency templates (e.g. Moody’s) and investor transparency reports (e.g. Harmonised Transparency Template – HTT).

Securitisation Risk Monitoring

Tracks securitised asset pools across multiple transactions and asset classes (e.g., RMBS, ABS, ABCP). Enables real-time risk monitoring, performance analytics, and early warning signals — leveraging rating agency methodologies.

Powered by automated data extraction from investor and servicer reports, it supports comprehensive portfolio overviews, identification of deteriorating underlying assets, and detection of fraud.

Potential Impact Scenarios

Improved ESG Data Transparency for a Building Society

+40%

increasing GAR

A small German Building Society with a €2.4 bn mortgage pool digitised 100% of their EPC data using EcoAsset.AI, increasing their GAR by 40% and issuing a new green bond. Manual pool data preparation for ESG reporting was reduced from 50% to just 10%

Full-Fledged Covered Bond Management for a Covered Bond Issuing Bank

-25%

risk weights
for mortgages

A mid-size Eastern European bank achieved a 50% funding cost reduction vs. senior unsecured by establishing a covered bond framework with EcoAsset.AI. They reached 100% digitalised mortgage data and saw a 25% reduction in risk weights for mortgages, leading to 30% capital relief

Technology Advantage

A web-based, user-friendly low-code interface designed for business users (no IT skills required). Seamless integration across 100+ sources. Provides lightning-fast insights even with massive datasets (>100 Mln. rows). Available on-premises or cloud.