CASE STUDY
Just Group is a lender with ambitious climate targets.
By 2030 it has pledged to reduce emissions by 50% (including those generated from its £24bn+ investment portfolio), and to be net zero by 2050.
These targets give the company a huge emissions reduction task – especially in terms of financed emissions.
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why kamma
the story
the challenge
Just Group uncovered a major data gap: only 19,000 of 51,000 loans had a valid EPC, leaving 63% of the mortgage book without emissions data.
Missing EPCs are a widespread issue – especially for later life lenders, where long-term homeownership often means no recent EPC assessment.
the solution
Kamma modelled EPCs for 32,000 properties, closing key data gaps.
Using geospatial analysis and machine learning, Kamma accurately predicted EPC bands – 80% matched exactly, with a further 19% off by one band.
This boosted emissions accuracy and improved Just Group’s PCAF score to 3.58, equivalent to many high street lenders.
The impact
Kamma modelled Just Group’s decarbonisation pathway to 2030, revealing a 9% shortfall between the current trajectory and the 50% emissions reduction target. This clarity prompted the team to develop new actions and propositions to close the gap and stay on course.
see our solutions
Climate risk and emissions insights for regulatory and investor reporting
