MASTER FORMULA
RALV = BCV × Q × P × C × O + Δcarbon
BCV Base Comparable Value Regional cadastral + rental market
Q Land Quality factor 0.70 + (LQS/100) × 0.60 weight 30%
P Productivity factor 0.75 + (PS/100) × 0.50 weight 25%
C Climate Resilience 0.60 + (CRS/100) × 0.40 weight 20%
O Operator Quality 0.80 + (ORS/100) × 0.35 weight 15%
Δ Carbon premium BCV × rate (1%/5%/12%) weight 10%
DATA SOURCES
| Climate | ERA5 / Copernicus | 25 years | 25km |
| Vegetation | Sentinel-2 NDVI | 12 years | 10m |
| Soil | SoilGrids (ISRIC) | 2024 | 250m |
| Land prices | MoA / EastFruit | 2026-Q1 | District |
| Operator | ACS HCI | Live | Farm |
CONFIDENCE FRAMEWORK
Score Level Band Meaning
2.5+ HIGH ±10% Strong data across all dimensions
1.5+ MEDIUM ±15% Adequate data, some gaps
<1.5 LOW ±25% Limited data — treat with caution
REGULATORY ALIGNMENT
EBA/GL/2022/03 — explainability → SHAP-ready architecture
AI Act Article 13 — transparency → methodology disclosed per request
GDPR Article 5 — data minimization → no PII processed
DORA — operational resilience → 99.9% SLA, GCP europe-west1
Full methodology available under NDA · Engine v1.1 · Last validated 2026-04-12