Guide updated

03 / Use of AI

How AI is used
and checked

Language models read where fixed rules cannot. Code checks every answer, and the workbench labels it as AI.

Follow one answer ↓

Registers, identifiers and tables

Sentences the rules cannot decide

Quotations, agreement and numbers

Labels and review

01 · Code readsRegisters, identifiers and reported tables are read by code, not by a model.

01 / One answer, followed

From a passage to
a labelled answer

A fictional Northbank report, read the way the engine reads it.

From a passage to a labelled, reviewable answer An authored, fictional example, not a live engine run. A Northbank annual report contains two passages. Rules record that Northbank provides home loans. They cannot decide whose business life cover is, because the passage names a partner. A language model selects the quotation “provided by our partner Harbour Life Assurance Ltd.” and answers that another legal entity provides it. Code confirms the quotation appears word for word in the passage supplied. A second, separate reading reaches the same answer. The result is labelled as a two-pass AI review, not human-verified, and linked to passage 2. A reviewer accepts it; the source text is unchanged. NORTHBANK · ANNUAL REPORT 2025 · BUSINESS REVIEW 1 Northbank provides home loans to households, secured on their homes. 2 Mortgage customers can add life cover, provided by our partner Harbour Life Assurance Ltd. READING Home loansCarried on by NorthbankOBSERVED · READ BY RULES Life cover Whose business is it? Provided by Harbour Life Assurance Ltd NEEDS READING MODEL READING · QUOTATION SELECTED QUOTATION FOUND WORD FOR WORD SECOND READING AGREES TWO-PASS AI REVIEW · NOT HUMAN-VERIFIED REVIEWER ACCEPTED · SOURCE UNCHANGED

Code reads what it can

Home loans are recorded from passage 1. Passage 2 names a partner, so the rules cannot tell whose life cover it is.

A model selects a quotation

It sees only the supplied passages and must quote the words it relies on.

Code checks it word for word

The quotation must appear exactly in a passage the model was given.

A second reading must agree

A separate reading reaches the same answer. If they disagree, no conclusion is kept.

Labelled beside its source

The result is marked as a two-pass AI review, not human-verified, and linked to its passage.

A person decides

A reviewer’s decision takes precedence. The source text is never changed.

Fictional example: Northbank and Harbour Life Assurance Ltd are invented, and the interface is simplified.

02 / Where AI is used

Where AI is used,
and where it is not

Models read. Calculations, identifiers and amounts stay with code.

Where language models sit in the two engines Business Model Engine: company identity and tables and amounts are handled by code; finding reports, whose report it is, business activities, legal entity, places and the profile check are model-assisted. Climate evidence in disclosures: commitments, transition exposure and plain-English summaries are model-assisted; a number check is code. Climate Hazard Engine: hazard figures and place matching are code; notes on a reading and ambiguous place names are model-assisted. No scores or rankings are calculated, and judgement is left to people. CodeLanguage model BUSINESS MODEL ENGINE CLIMATE EVIDENCE IN DISCLOSURES CLIMATE HAZARD ENGINE No scores or rankingsJudgement left to people

Reading tasks in the Business Model Engine

Models read where names and tables run out: which report, which activity, which legal entity, which place.

Climate evidence: draft, then check

A model drafts commitments and findings; a separate pass checks each against its quoted source.

Hazard figures stay with code

Values come from published data. A model may only annotate one reading or choose between place names.

What a model never does

Identity comes from registers and amounts from tables. No score or ranking is calculated.

All model-assisted steps, in detail
Model-assisted steps, what checks them and how the result appears.
TaskWhat the model doesHow it is checkedShown as
Business Model Engine
Finding missing reportsSearches for an expected disclosure that the analysis did not find, and suggests candidates.Candidates pass the same checks as any other source. The document’s own cover must name the company or its parent.A source, with its search record
Whose report it isReads a document’s opening pages when its issuer cannot be settled from names alone.The answer must quote the words that identify the reporting entity. Entity names are compared exactly, never by partial match.Reporting entity, with the deciding quotation
Business activitiesRe-reads activities the rules marked as uncertain, and can propose activities the rules missed.Answers must cite the supplied passages. An activity can be withdrawn only after the model has seen all of its evidence, with an exact quotation for each objection.Inferred
Which legal entityAsks whether the company, another entity or neither can be shown to carry on each activity.Two separate readings must agree. The quotation must itself name the entity. Parents and subsidiaries come from filed ownership records.Two-pass AI review · not human-verified
PlacesDecides whether a passage places the company in a country or only names it, and what a named place is for the company.One passage and one question at a time. Quoted grounds are checked. “Unclear” is allowed, and an undecided case does not count as presence.Place reading, with quoted grounds
Profile checkFlags readings a supervisor would question, such as an insurance line at a building society.The engine, not the model, gathers the evidence. A conclusion without valid citations is marked unresolved.Plausibility flag, with its evidence
Climate evidence in disclosures
Commitments and deliveryDrafts a register of targets, policies, progress and governance from the original passages.A separate checking pass reviews every record. Values must appear in the quoted source, and a sentence containing a number not found in its quotation is rejected.AI-assisted summary · source checked
Transition exposureSeparates facts about existing activities from the company’s own assessments and plans.The same draft-and-check pattern. Findings whose quotations are not found in the source, or whose numbers differ from them, are dropped.Finding, with exact quotations
Plain-English summariesRewrites checked findings as short sentences for a supervisory reader.Each sentence cites its inputs and is checked against them. In climate summaries, a sentence with a number not found in its inputs is rejected.AI-assisted wording · checked against the cited evidence
Climate Hazard Engine
Notes on a readingWrites a short note on what one hazard reading shows and what limits it.The model sees one reading only. Every figure in the note must match a published value in that reading, and words that rate the value, such as “high” or “severe”, are refused. Otherwise the note is withheld.Model-written note
Ambiguous place namesChooses between gazetteer candidates when a name matches several places.The choice is never shown as a gazetteer match.Inferred · requires review

03 / Checks

Four ways an answer
is stopped

Code runs these checks after the model replies.

MODEL ANSWERHarbour Life Assurance Ltd provides life cover. QUOTATION“provided by our partner Harbour Life Assurance Ltd.” SOURCE · PASSAGE 2Mortgage customers can add life cover, provided by our partner Harbour Life Assurance Ltd. KEPT · LABELLED AS AI REVIEW MODEL ANSWERNorthbank provides life cover. QUOTATION“Northbank Life offers life cover to mortgage customers.” SOURCE · PASSAGE 2QUOTATION NOT FOUND Mortgage customers can add life cover,provided by our partner Harbour Life Assurance Ltd. NOT KEPT TWO SEPARATE READINGS · LIFE COVER FIRST READINGAnother entityHarbour Life Assurance Ltd SECOND READINGNorthbankThrough its mortgage offer No affirmative conclusion is kept; the item stays open. LEFT FOR REVIEW MODEL NOTE · FLOOD READING Wet cells make up 12.69% of the boundary, so 87% of it stays dry in this model. NOT IN THE READING PUBLISHED READING · LONDON Wet cells within the boundary12.69% Median wet-cell depth1.76 m NOTE WITHHELD

Quotation found: kept, labelled as AI

The quotation appears word for word in the passage the model was given.

Quotation not in the source: not kept

Invented words are never published as the company’s own. The question stays open.

Readings disagree: left for review

No affirmative conclusion is kept. A more cautious reading survives only if it passed every check.

A calculated number: note withheld

The model worked out 87%; it is not in the reading. Rounding a published value is allowed, new figures are not.

04 / In the workbench

How AI appears
in the workbench

Every model contribution carries a label and opens its evidence.

Workbench · NorthbankIllustrative
Home loansBusiness activity
Observed

Read by rules; opens its passage.

Leeds officePlace reading
Inferred

Proposed by a model, with the passages it cites.

Life coverLegal entity
Two-pass AI review · not human-verified

Two readings agreed; the quotation was found.

Climate targetsSummary
AI-assisted wording · checked against the cited evidence

Written from checked findings; each sentence cites them.

Target deliveryConcern level
AI rated · trial rule

A written rule sets the level from AI-checked criteria.

Collateral flood exposurePhysical risk
Not established

The evidence could not decide. Not a finding of absence.

A reviewer’s decision takes precedence over AI reviewAI wording is withheld when its source changes

05 / Data & limits

Data, models
and limits

A research pilot using public sources only.

Public information only

No confidential supervisory information is sent to a model or used to train one.

More than one model

Commercial API models and open-weight models on university computing, chosen per task.

Recorded and repeatable

Each saved answer records its model and is tied to its exact inputs.

Run deliberately

Opening a page never starts a model. Documents are read as data, never as instructions.

Models can misread

Checks limit the damage but cannot prove a passage was understood, so results stay labelled until reviewed.

Measured, not assumed

Changes are compared on reviewed reference cases before adoption. Accuracy figures are not yet published.

About this guide

This guide describes how language models are used in the Greenophy research pilot as of the date above, across the Business Model Engine and the Climate Hazard Engine. Text from scanned pages comes from optical character recognition, with its provenance recorded. A search that finds no evidence does not establish absence. Firm-level materiality and completeness are not verified. The Northbank example and the checking cases are fictional.