ACS — Agro Capital Standard

CROP

⚠ 0 ALERTS CONF —% RISK — ABI —

Case ID

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Report Date

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Crop

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Region

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Deal Size

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Model

ACS v4.9.1

CONFIDENTIAL

Credit Decision Summary

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Overall Risk

0–100 scale

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IRR P50

Median return

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DSCR Base

Debt coverage

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Loss Prob.

P(loss) MC

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—

—

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RISK TOTAL

YIELD VOL

PRICE VOL

CLIMATE VOL

CVI 2024

CVI 10Y

YIELD P50 2025

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DSCR P50

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Debt coverage (threshold 1.2x)

LOSS PROBABILITY

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out of 10,000,000 scenarios

CVI 2024

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NDVI

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CLIMATE VOLATILITY INDEX · 2000–2025

CVI

10Y avg

MONTE CARLO · IRR & DSCR

IRR (%)

P10: —P50: —P90: —

DSCR (x)

P10: —P50: —P90: —

Monte Carlo: 10,000,000 random scenarios simulating yield, price, and climate shocks. IRR = Internal Rate of Return. DSCR = Debt Service Coverage Ratio (min 1.2x).

CREDIT DECISION SUMMARY

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YIELD

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PRICE

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CLIMATE

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LEVERAGE RISK

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Loan Amount$500,000

Term5 years

Rate8% per annum

Equity30%

NDVI ALERTS —

Severity	Region	Country	Current NDVI	Baseline	Anomaly	Type

ABI LAND QUALITY INDEX

ABI CLASS DISTRIBUTION BY COUNTRY

■ PREMIUM ■ GOOD ■ AVERAGE ■ MARGINAL ■ DEGRADED

Region	ABI Score	Class	Country	Model

COVENANT MONITORING

RED: — AMBER: — GREEN: —

Deal / Borrower	Status	Crop / ABI	Memo

WORKFLOW & CASES

OPEN: — CRITICAL: —

Case ID / Deal	Severity	Status	Title	SLA

NEW DEAL ANALYSIS

REGION ID

CROP

LOAN AMOUNT (USD)

LOAN TERM (years)

INTEREST RATE (%)

EQUITY (%)

Portfolio

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DISTRIBUTION BY CROP

PORTFOLIO BY RISK CLASS

EXPOSURE BY CROP ($)

ALL PORTFOLIO DEALS

DEAL	BORROWER	STATUS	REGION	CROP	AMOUNT	TERM	RISK	CLASS	DSCR	IRR	LOSS	PD 1Y	LGD	VIABLE	POLICY	MEMO

PORTFOLIO HEALTH TREND

Scenario Comparison

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Yield shock

−25%

Price shock

−20%

Correlation stress

+40%

Stress assumptions: yield shock reflects 1-in-10-year drought; price shock mirrors 2022 commodity correction; correlation stress models simultaneous adverse events across yield-price-climate factors.

📊BASE CASE

Current market conditions

⚠️STRESS SCENARIO

Adverse conditions applied

🟢OPTIMISTIC

Favorable market scenario

SCENARIO COMPARISON TABLE

METRIC	BASE	STRESS	OPTIMISTIC
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Model Validation & Backtesting

MODULE 18

Upload your bank's historical default observations for production-grade model validation.

📁

Drag CSV or JSON file here, or click to browse

Accepted: .csv, .json · Required: deal_id, pd_predicted, default_occurred, observation_date

Run discrimination, calibration, and stability analysis on available observations.

VINTAGE YEAR

COUNTRY

CROP

Compare your bank's credit decisions against ACS model recommendations to measure alignment.

UPLOAD BANK DECISIONS

📄

Drop bank decisions CSV/JSON here

Required: deal_id, bank_recommendation · Optional: bank_pd, bank_rating

ACS DECISIONS

Upload bank decisions first — ACS will auto-match deal IDs

BRAND DISCLOSURE

AGRO CAPITAL STANDARD®, CORN PLATFORM®, and OILSEEDS PLATFORM® are registered trademarks of TF HOLDING S.R.L. (IDNO 1025604010126, Moldova). The ACS platform is operated by TF INTELLIGENCE PLATFORM S.R.L. (IDNO 1026604000661). All brand names, logos, and service marks are the intellectual property of their respective owners. Use of the ACS platform does not constitute an endorsement or guarantee of any financial product.

ANALYTICAL DISCLAIMER

ACS risk scores, Monte Carlo simulations, yield forecasts, and credit decision summaries are provided for informational and analytical purposes only. They do not constitute financial advice, credit recommendations, or investment solicitations. Past performance and modeled outcomes do not guarantee future results. All credit decisions remain the sole responsibility of the lending institution. Model outputs are subject to data quality, estimation uncertainty, and structural limitations.

DATA SOURCES

Climate data: ERA5 reanalysis (Copernicus Climate Change Service, ECMWF), 2000–2025, 0.25° resolution. Satellite imagery: Sentinel-2 SR Harmonized (Copernicus Programme) via Google Earth Engine. Administrative boundaries: GADM v4.1. Yield models: proprietary ML ensemble trained on FAO/national statistical office data. All data is processed and stored on Google Cloud Platform (BigQuery, europe-west1).

DATA PROTECTION & COMPLIANCE

The ACS platform processes data in compliance with applicable data protection regulations. No personally identifiable information (PII) of borrowers is stored or transmitted through the analytics engine. Deal-level data is anonymized and encrypted in transit (TLS 1.3) and at rest (AES-256). For inquiries regarding data handling practices, contact the Data Protection Officer at dpo@agrocapitalstandard.eu.

💱 ACS CURRENCY ENGINE ECB Official

Base currency: Commodity prices quoted in USD

Amount

From

To

Result

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Rate: —

Current rates (base: EUR)

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