Reference
Glossary
Every term the screens use, explained once, plainly.
Definitions
| ESG rating | A letter grade from AAA to CCC summarising a company's environmental, social and governance standing — the same shape a rating agency uses. |
|---|---|
| Carbon intensity | Tonnes of CO2e emitted per million dollars of revenue. Using intensity rather than a raw total stops a large company looking clean simply because it is big. |
| Financed emissions | The greenhouse-gas emissions attributed to the bank through its lending to a client. They feed the bank's own reported carbon footprint. |
| Taxonomy alignment | The share of a company's activity that meets a formal green classification such as the EU Taxonomy. Higher means more of what it does is genuinely sustainable. |
| Green bond | A bond whose proceeds are ring-fenced for environmental projects and, when credible, certified against a standard and reported on. |
| Green sweep | An automation that moves cash above an agreed buffer into a certified green instrument on a schedule. |
| EcoVadis | A widely used supplier sustainability rating, scored out of 100 across environment, labour, ethics and procurement. |
| Sustainability tier | The band — Platinum to Unrated — a supplier earns from its ESG performance, which sets the financing discount it receives. |
| Multilateral netting | Offsetting the payments a group of entities owe each other so each makes or receives a single net amount instead of many gross ones. |
| Net position | For one entity in a netting cycle: everything it is owed minus everything it owes. Positive means it receives; negative means it pays. |
| In-house bank | The group treasury acting as a bank to its subsidiaries — holding their balances and lending between them on notional accounts. |
| Arm's-length rate | The interest one group entity charges another, set as if they were unrelated parties, so tax authorities accept it. Built here as a benchmark plus a credit spread. |
| Transfer pricing | How a group prices transactions between its own entities. It has to be defensible to tax authorities. |
| RoRWA | Return on risk-weighted assets — annualised revenue divided by the capital a position consumes. The core measure of whether a franchise earns its capital. |
| Maker-checker | The rule that whoever drafts a payment cannot be the one who approves it. Enforced in the database, not just on screen. |
| Double-entry ledger | The accounting backbone where every movement posts equal debits and credits, so the books always balance. Here it is append-only and tamper-evident. |
| ISO 20022 | The modern global standard for financial messaging. camt and pain messages on this platform follow it, so the files a bank's systems expect are the files it produces. |
| camt.053 | The ISO 20022 end-of-day bank statement message. The platform exports one as valid XML directly from the ledger. |
| MT940 | The legacy SWIFT end-of-day statement format, still widely consumed by corporate ERPs. Exported alongside camt.053. |
| BIC | The Bank Identifier Code (ISO 9362) — the eight or eleven characters that identify a bank, its country, location and branch on the SWIFT network. |
| IBAN | The International Bank Account Number (ISO 13616), validated here with its mod-97 checksum before any lookup is attempted. |
| Agentic AI | An AI that can plan and propose actions, not just answer questions. Here it proposes liquidity moves but is architecturally barred from executing them. |