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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2lioece.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Actuarial and Quantitative Risk<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Financial and risk engineering for actuarial and quantitative risk<\/h1><p class=\"nx-scene-lede\">Financial engineering values and structures instruments whose payoffs depend on risk. On this platform it covers valuation of guarantees and options in insurance contracts, asset-liability matching, longevity and catastrophe <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> and economic scenario generation.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/stem\/\">Back to STEM foundation of Actuarial and Quantitative Risk<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Financial and risk engineering for actuarial and quantitative risk on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Method record<\/strong><\/span><span class=\"nx-eyebrow\">STEM method<\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-k\">Method<\/span><span class=\"nx-register-v\">Financial and risk engineering<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Steward<\/span><span class=\"nx-register-v\">Actuarial and Quantitative Risk<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Applied in<\/span><span class=\"nx-register-v\">Actuarial and Quantitative Risk<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Data<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-data\">3 inputs<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Checks<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-checks\">3 validation steps<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Canonical page<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/engineering\/financial-engineering\/\">STEM Commons<\/a><\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-application\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Application<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What financial and risk engineering does here.<\/h2><p class=\"nx-lede\">Financial and risk engineering designs instruments, models and processes to measure, price and transfer risk. It applies quantitative methods to portfolios, insurance and risk-sharing arrangements. In insurance and catastrophe, methods and modelling and capital markets and investment, financial engineering enables physical and operational risks to be priced and transferred to capital markets. It informs the design of instruments that fund prevention and recovery. The canonical description is on <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/engineering\/financial-engineering\/\">the STEM Commons<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cols\"><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"8\" cy=\"8\" r=\"6\"\/><path d=\"M18.09 10.37A6 6 0 1 1 10.34 18\"\/><path d=\"M7 6h1v4\"\/><path d=\"m16.71 13.88.7.71-2.82 2.82\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Valuing embedded guarantees<\/h3><p class=\"nx-p nx-mt-1\">Options and guarantees in life and savings products are valued with stochastic scenarios that are consistent with market prices.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Economic scenario generators<\/h3><p class=\"nx-p nx-mt-1\">Interest rate, equity and credit scenarios are generated for capital and valuation, with calibration targets and validation documented.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"6\" cy=\"19\" r=\"3\"\/><path d=\"M9 19h8.5a3.5 3.5 0 0 0 0-7h-11a3.5 3.5 0 0 1 0-7H15\"\/><circle cx=\"18\" cy=\"5\" r=\"3\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Risk transfer structures<\/h3><p class=\"nx-p nx-mt-1\">Longevity swaps and catastrophe bonds are analysed for how they transfer risk, their <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 basis-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The mismatch between a trigger or index payout and the loss actually suffered, so that payment may come without loss or loss without payment.\" data-ts=\"NRS-C1\" data-tr=\"draft\">basis risk<\/a> and counterparty exposure.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Activity and exposure in Japan and Korea.<\/h2><p class=\"nx-lede\">Night lights, population density and flood water over Japan and Korea, from NASA GIBS. Each layer carries its own date.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"japan-korea:finance\" data-ml-feeds=\"eonet|https:\/\/eonet.gsfc.nasa.gov\/api\/v3\/events\" data-ml-src=\"finance\" data-ml-plan=\"p-402fd3ed\" data-ml-view=\"2d\" data-ml-ctx=\"theme:finance\" data-ml-list=\"gibs.energy.ntl gibs.health.people gibs.water.flood gibs.health.lstd gibs.water.imerg gibs.biodiversity.ssta ev.eonet ev.usgs r.hbase r.dnb r.labels\" data-ml-tools=\"inspect measure aoi export\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"124,30,146,45.6\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, Japan and Korea: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,people||||\" aria-pressed=\"false\">People and floods<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,ntl||||\" aria-pressed=\"false\">Floods and lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"nW\/(cm\u00b2 sr)\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.ntl\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS Black Marble (VNP46A2) (NASA LAADS DAAC)<\/dd><dt>Provider<\/dt><dd>NASA LAADS DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite radiance, corrected for moonlight and atmosphere<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite night-time radiance for the date shown; lights are a proxy for electricity use and outages, not a measurement of supply or access.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"CC BY 4.0\" data-wm-unit=\"people\/km\u00b2\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.people\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>Gridded Population of the World v4.11 (NASA SEDAC (CIESIN, Columbia University))<\/dd><dt>Provider<\/dt><dd>NASA SEDAC (CIESIN, Columbia University)<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener noreferrer\">CC BY 4.0<\/a><\/dd><dt>Vintage<\/dt><dd>null; Census-based estimate, static (2020)<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Census-based estimate of people per square kilometre in 2020, shown as exposure context; not a count of people affected by any hazard.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed (clouds leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.flood\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS Global Flood Product (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite detection; clouds leave gaps. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"\u00b0C\">Observed (persistent cloud still leaves gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.lstd\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (persistent cloud still leaves gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 Level 3, 8-day (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>8-day; Satellite 8-day composite; persistent cloud still leaves gaps<\/dd><dt>Newest at build<\/dt><dd>2026-09-14<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite skin temperature of the ground over the 8 days ending on the date shown, a heat exposure indicator; not air temperature, heat index or a heat warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"imerg\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-short=\"Precipitation\" data-wm-prov=\"NASA GES DISC\" data-wm-kind=\"Satellite estimate, near real time\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Precipitation rate, daily mean<\/span><span class=\"nx-wm-layer-src\">NASA GES DISC GPM IMERG \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"NASA open data\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"imerg\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.imerg\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>GPM IMERG (NASA GES DISC)<\/dd><dt>Provider<\/dt><dd>NASA GES DISC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite estimate, near real time<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 2 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite estimate, near real time. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ssta\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-op=\"0.85\" data-wm-short=\"Marine heat (anomaly)\" data-wm-prov=\"NASA JPL PO.DAAC\" data-wm-kind=\"Satellite analysis\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Sea surface temperature anomaly<\/span><span class=\"nx-wm-layer-src\">NASA JPL PO.DAAC GHRSST MUR25 \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"\u00b0C\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ssta\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.biodiversity.ssta\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>GHRSST MUR25 (NASA JPL PO.DAAC)<\/dd><dt>Provider<\/dt><dd>NASA JPL PO.DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite analysis<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 2 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite analysis of how far sea temperature departs from its usual value for the date shown; a marine heat indicator, not a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h27\" data-tc=\"NHS-1 eco.species.coral-bleaching\" data-tk=\"Land and ecosystems \u00b7 Biodiversity and species stress\" data-td=\"Corals expelling their algal partners under heat stress, turning white and often dying, with loss of reef fisheries and shore protection.\" data-ts=\"NRS-H27\" data-tr=\"draft\">coral bleaching<\/a> alert.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" 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class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\" aria-valuemin=\"0\" aria-valuemax=\"30\" aria-valuenow=\"30\" aria-valuetext=\"Latest available\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>Activity and exposure, framed on Japan and Korea.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date. They are indicators, not assessments of any place.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">\u00a9 OpenStreetMap contributors<\/a> \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 U.S. Geological Survey \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.7927\/H49C6VHW\" rel=\"noopener\">doi:10.7927\/H49C6VHW<\/a>. <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gpm.imerg\">GPM IMERG precipitation, NASA Precipitation Processing System; distributed by the NASA Goddard Earth Sciences Data and Information Services Center (GES DISC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.podaac.ghrsst-mur\">GHRSST Level 4 MUR analyses, NASA Jet Propulsion Laboratory; distributed by the NASA Physical Oceanography DAAC (PO.DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). Cite as: NASA\/METI\/AIST\/Japan Spacesystems and U.S.\/Japan ASTER Science Team (2019). ASTER Global Digital Elevation Model V003. <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.5067\/ASTER\/ASTGTM.003\" rel=\"noopener\">doi:10.5067\/ASTER\/ASTGTM.003<\/a>. <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li><\/li><li>Live events: NASA Earth Observatory Natural Event Tracker (EONET); events are indicative and keep their original source links.<\/li><li>Live: NASA EONET Events are indicative, not authority warnings.<\/li><li>Live: U.S. Geological Survey Events are indicative, not authority warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>NASA GIBS: We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS).<\/li><li>Optional layers (5 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a> \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Precipitation rate, daily mean: GPM IMERG, NASA GES DISC \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/li><li>Sea surface temperature anomaly: GHRSST MUR25, NASA JPL PO.DAAC \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/stem\/financial-engineering\/#map\" data-nxf-title=\"Actuarial and Quantitative Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"project\" aria-label=\"Data, Loss model, Validation\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Data, Loss model, Validation\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-data\" aria-selected=\"true\" data-key=\"p1\">Data<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Loss model<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-checks\" aria-selected=\"false\" data-key=\"p3\">Validation<\/button><\/div><section id=\"nx-sec-data\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"inset\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Data<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">What the method consumes.<\/h2><p class=\"nx-lede\">Datasets and records used by financial and risk engineering on this platform, with the role each plays and the label its values carry. Sources are listed in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/research\/sources\/\">the source register<\/a>.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Data<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Data\">Market prices<\/td><td data-label=\"Role\">Calibration<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Contract terms<\/td><td data-label=\"Role\">Payoff structures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Scenario sets<\/td><td data-label=\"Role\">Valuation inputs<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"data\" data-nxf-kind=\"data\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/stem\/financial-engineering\/#data\" data-nxf-title=\"Method record\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/stem\/financial-engineering\/#evidence\" data-nxf-title=\"Evidence\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Loss model<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Loss exceedance, average annual loss and probable maximum loss.<\/h2><p class=\"nx-lede\">The loss a portfolio in the footprint can expect per year and at the 1 in 100 and 1 in 250 levels that insurers and lenders price, from the same three blocks every <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 catastrophe-model\" data-tk=\"Nexus risk vocabulary\" data-td=\"A model combining a stochastic hazard event set, exposure and vulnerability functions to estimate the distribution of losses from rare, severe events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">catastrophe model<\/a> uses. Teaching model with stated illustrative values, not a prediction. The map on this page shows Japan and Korea; the model itself is not tied to a place.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-titative-risk-stem-financial-engineering-0\" data-nxi=\"hevl\" data-nxi-id=\"hevl\" data-nxi-z=\"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\" aria-label=\"Loss exceedance, average annual loss and probable maximum loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-titative-risk-stem-financial-engineering-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Loss exceedance curve\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Typical annual hazard intensity (location)<\/dt><dd>1.00 intensity index<\/dd><\/div><div><dt>Spread of extremes (scale)<\/dt><dd>0.80 intensity index<\/dd><\/div><div><dt>Intensity at which half the value is lost<\/dt><dd>4.00 intensity index<\/dd><\/div><div><dt>Dispersion of vulnerability<\/dt><dd>0.55<\/dd><\/div><div><dt>Share of value in the hazard footprint<\/dt><dd>40%<\/dd><\/div><div><dt>Protection standard (return period)<\/dt><dd>50 years<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Average annual loss<\/dt><dd>0.51% of value<\/dd><\/div><div><dt>Loss at 1 in 100 years<\/dt><dd>24.5% of value<\/dd><\/div><div><dt>Loss at 1 in 250 years<\/dt><dd>28.4% of value<\/dd><\/div><div><dt>Intensity at 1 in 100 years<\/dt><dd>4.68 intensity index<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Return period (years)<\/th><th scope=\"col\">Intensity (intensity index)<\/th><th scope=\"col\">Loss (% of value)<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">1<\/th><td>0.09<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>1.27<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>1.91<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>2.47<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>3.00<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>3.51<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">44<\/th><td>4.02<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">82<\/th><td>4.53<\/td><td>23.55<\/td><\/tr><tr><th scope=\"row\">154<\/th><td>5.03<\/td><td>26.44<\/td><\/tr><tr><th scope=\"row\">287<\/th><td>5.53<\/td><td>28.87<\/td><\/tr><tr><th scope=\"row\">536<\/th><td>6.03<\/td><td>30.88<\/td><\/tr><tr><th scope=\"row\">1,000<\/th><td>6.53<\/td><td>32.53<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>Gumbel extreme-value hazard <span class=\"nx-in-cite\">Gumbel (1958), Statistics of Extremes, Columbia University Press<\/span><\/li><li>Lognormal fragility (vulnerability) <span class=\"nx-in-cite\">FEMA (2003), HAZUS-MH Technical Manual<\/span><\/li><li>Exceedance-probability curve and average annual loss <span class=\"nx-in-cite\">Grossi and Kunreuther (2005), Catastrophe Modeling, Springer<\/span><\/li><li>Levee effect <span class=\"nx-in-cite\">Di Baldassarre and others (2013), Socio-hydrology, HESS 17<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">The model runs on the teaching values set by the controls. To calibrate it for a place, read it against these admitted layers and series, which this page&#8217;s map can draw:<\/p><ul class=\"nx-in-src\"><li>Rivers <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Urban extents <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Cities <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Earthquakes M4.5+, past week (USGS) <span class=\"nx-in-cite\">U.S. Geological Survey \u00b7 register usgs.earthquake.summary-feeds<\/span><\/li><li>Rain rate, last half hour (IMERG) <span class=\"nx-in-cite\">NASA GPM IMERG Early \u00b7 register nasa.gibs.context-live-layers<\/span><\/li><li>River discharge forecast, 30 days with range (GloFAS via Open-Meteo) <span class=\"nx-in-cite\">Open-Meteo.com (CC BY 4.0), Copernicus GloFAS \u00b7 register open-meteo.public-pages<\/span><\/li><li>Built-up and settlement extent, 2010 (HBASE, Landsat) <span class=\"nx-in-cite\">CIESIN\/Columbia, NASA SEDAC HBASE \u00b7 register sedac.context-urban-layers<\/span><\/li><\/ul><\/div><\/details><figcaption class=\"nx-caption\">Loss exceedance, average annual loss and probable maximum loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: Gumbel extreme-value hazard (Gumbel (1958), Statistics of Extremes, Columbia University Press); Lognormal fragility (vulnerability) (FEMA (2003), HAZUS-MH Technical Manual); Exceedance-probability curve and average annual loss (Grossi and Kunreuther (2005), Catastrophe Modeling, Springer).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/foundry\/\">Actuarial and Quantitative Risk in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/universe\/\">Actuarial and Quantitative Risk in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/reports\/\">Actuarial and Quantitative Risk in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-sec-checks\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Validation<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How results are checked.<\/h2><p class=\"nx-lede\">Models are back-tested, benchmarked against alternatives and reviewed by independent validation functions. Stress tests probe behaviour beyond historical data.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Check<\/th><th scope=\"col\">How it is done<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Check\">Market consistency<\/td><td data-label=\"How it is done\">Scenarios reproduce calibration instrument prices<\/td><\/tr><tr><td data-label=\"Check\">Scenario validation<\/td><td data-label=\"How it is done\">Generators are tested for realistic behaviour<\/td><\/tr><tr><td data-label=\"Check\">Convergence<\/td><td data-label=\"How it is done\">Results are checked for stability as scenario counts increase<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note nx-mt-3\">Models calibrated to normal markets can underestimate tail losses and correlation shifts. Complex instruments may obscure where risk ultimately sits.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"finance\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Trace a shock to the balance sheet.<\/h2><p class=\"nx-lede\">Assembled from the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> area profile <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/a>: the shocks it names, the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and sectors that carry the loss, the controls that dampen it and the data that observe it. Pick an initiating shock and step through the cascade to see which exposures it reaches and where losses could concentrate. The Map view places the run on an example geography with open data. Every weight is a stated assumption. An exercise, not a forecast, a valuation, a rating or investment advice. To model a place of your own choosing, open the full <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/system-builder\/\">System Builder<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-ns-twin\" data-ns-data=\"nx-twin-es-stem-financial-engineering-A-P11\" data-ns-credits=\"Nexus Standards registry and area profiles; Nexus Hazard Standard NHS-1 1.1.0\"><div class=\"nx-ns-twin-static\"><div><p class=\"nx-eyebrow\">Hazards<\/p><ul class=\"nx-list\"><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/hydrometeorological-hazard-standards\/\" data-tc=\"NHS-1 atmo.cyclone.tropical-cyclone\" data-tk=\"Atmosphere and weather \u00b7 Cyclonic storm systems\" data-td=\"A warm-core rotating storm over tropical oceans whose winds, rain and surge threaten coasts and inland river basins.\" data-ts=\"NRS-H2\" data-tr=\"draft\">Tropical cyclone<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/geophysical-hazard-standards\/\" data-tc=\"NHS-1 geo.seismic.earthquake\" data-tk=\"Solid Earth \u00b7 Fault shaking and rupture\" data-td=\"Sudden slip on a fault releasing seismic waves that shake the ground and damage structures and lifelines.\" data-ts=\"NRS-H17\" data-tr=\"draft\">Earthquake<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.ice-jam-flood\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"River water backing up behind an ice blockage and flooding adjacent land, sometimes with ice and debris.\" data-ts=\"NRS-H9\" data-tr=\"draft\">Ice-jam flood<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\">Wildfire<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.storm-surge\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"Sea level pushed above the tide by storm wind and low pressure, flooding the coast.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Storm surge<\/a> (set off downstream)<\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h4\" data-tc=\"NHS-1 atmo.precipitation.heavy-rain\" data-tk=\"Atmosphere and weather \u00b7 Precipitation extremes\" data-td=\"Rain falling fast or long enough to overwhelm drainage, soils and streams and to trigger floods and slope failures.\" data-ts=\"NRS-H4\" data-tr=\"draft\">Intense rainfall<\/a> (set off downstream)<\/li><li>River flood (set off downstream)<\/li><li>Flash flood (set off downstream)<\/li><li>Dangerous surf (set off downstream)<\/li><li>Widespread power outage (set off downstream)<\/li><li>Mass displacement (set off downstream)<\/li><li>Coastal flood (set off downstream)<\/li><li>Aftershock sequence (set off downstream)<\/li><li>Fault surface rupture (set off downstream)<\/li><li>Soil liquefaction (set off downstream)<\/li><li>Slope slide (set off downstream)<\/li><li>Rockfall (set off downstream)<\/li><li>Tsunami (set off downstream)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Systems and couplings<\/p><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/banking\/\">Banking<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/development-finance-institutions\/\">Development finance institutions<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/humanitarian\/humanitarian-sector-standards\/\">Humanitarian and civil society<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/water-food\/agriculture-sector-standards\/\">Agriculture and land use<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Controls<\/p><ul class=\"nx-list\"><li><code>NS-0<\/code> Constitution and principles<\/li><li><code>NS-3<\/code> Risk record UNIs (grammar, legacy crosswalk, allocation authority)<\/li><li><code>NS-9<\/code> Contextual UNIs (deployments, instances, programme instances)<\/li><li><code>NS-10<\/code> Policies and clauses (machine-readable obligations: definition, binding, evaluation and enforcement)<\/li><li><code>NS-11<\/code> Verification and monitoring (evidence, attestations, zero-trust conformance observation)<\/li><li><code>NS-14<\/code> Conformance and crosswalk to external standards<\/li><li><code>NRS-F3<\/code> Insurance, catastrophe risk and protection gaps<\/li><li><code>NRS-H113<\/code> Hazard family: Financial-system fragility (NHS-1 soc.financial-system)<\/li><li><code>NRS-U17<\/code> <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a> platform profile: Insurance Nexus<\/li><li><code>NRS-H71<\/code> Hazard family: Deep-time and cosmic catastrophes (NHS-1 planet.deep-time)<\/li><li><code>NRS-H65<\/code> Hazard family: Planetary boundary transgressions (NHS-1 planet.boundary)<\/li><li><code>NRS-F8<\/code> Parametric and index-based risk transfer<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>OECD Data Explorer (incl. Creditor Reporting System, insurance and pension statistics) (listed for reference)<\/li><li>Insurance statistics (listed for reference)<\/li><li>USGS earthquake GeoJSON summary feeds (listed for reference)<\/li><li>Direct economic loss attributed to disasters in relation to global gross domestic product (GDP)<\/li><li>Direct economic loss attributed to disasters in relation to global gross domestic product<\/li><li>(a) Number of commercial bank branches per 100,000 adults and (b) number of automated teller machines (ATMs) per 100,000 adults<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Example geography<\/p><ul class=\"nx-list\"><li>Western Europe: 152 hexagonal cells<\/li><li>Rain rate, last half hour (IMERG), NASA GIBS<\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band), NASA GIBS<\/li><li>Surface water through cloud, 30 m (OPERA DSWx-S1 radar), NASA GIBS<\/li><li>Carbon monoxide, smoke transport (AIRS), NASA GIBS<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-hue=\"project\" aria-label=\"Connections, Exposure, loss and capital, Stewardship, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Connections, Exposure, loss and capital, Stewardship, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-connections\" aria-selected=\"true\" data-key=\"p1\">Connections<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"false\" data-key=\"p3\">Stewardship<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-s-11-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-connections\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connections<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Topics that rely on this method.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/dependence-and-correlation\/\"><span>Dependence and correlation<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/capital-and-solvency-models\/\"><span>Capital and solvency models<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">What it means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"1\"><figure class=\"nx-au-c\" data-au-fig=\"exposure-loss\"><h3 class=\"nx-h4\">Exposure and loss at return periods<\/h3><p class=\"nx-p nx-au-what\">How losses from financial and risk engineering for actuarial and quantitative risk grow with severity, gross and net of reinsurance, against capital.<\/p><div class=\"nx-au-cols\"><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Exceedance probability curve, gross and net loss by return period\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"50\" y1=\"186\" x2=\"540\" y2=\"186\"\/><line class=\"nx-au-ax\" x1=\"50\" y1=\"16\" x2=\"50\" y2=\"186\"\/><path class=\"nx-au-ln\" d=\"M50 156.3l163.3-40.4 163.4-27.6 163.3-46.8\"\/><path class=\"nx-au-ac\" d=\"M50 164.8l163.3-23.4 163.4-12.8 163.3-25.5\"\/><text class=\"nx-au-t\" x=\"50\" y=\"202\" text-anchor=\"middle\">1 in 10<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"50.0\" cy=\"164.8\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"213.33\" y=\"202\" text-anchor=\"middle\">1 in 50<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"213.3\" cy=\"141.4\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"376.67\" y=\"202\" text-anchor=\"middle\">1 in 100<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"376.7\" cy=\"128.6\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"540\" y=\"202\" text-anchor=\"middle\">1 in 250<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"540.0\" cy=\"103.1\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"534\" y=\"33.5\" text-anchor=\"end\">gross<\/text><text class=\"nx-au-t\" x=\"526\" y=\"129.13\" text-anchor=\"end\">net of reinsurance<\/text><text class=\"nx-au-t\" x=\"44\" y=\"20\" text-anchor=\"end\">80<\/text><text class=\"nx-au-t\" x=\"44\" y=\"190\" text-anchor=\"end\">0<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Return period<\/th><th scope=\"col\">Annual probability<\/th><th scope=\"col\">Gross loss<\/th><th scope=\"col\">Net loss<\/th><th scope=\"col\">Net, capital = 100<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Return period\">1 in 10<\/td><td data-label=\"Annual probability\">0.10<\/td><td data-label=\"Gross loss\">14<\/td><td data-label=\"Net loss\">10<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">10<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 50<\/td><td data-label=\"Annual probability\">0.02<\/td><td data-label=\"Gross loss\">33<\/td><td data-label=\"Net loss\">21<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">21<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 100<\/td><td data-label=\"Annual probability\">0.01<\/td><td data-label=\"Gross loss\">46<\/td><td data-label=\"Net loss\">27<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">27<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 250<\/td><td data-label=\"Annual probability\">0.004<\/td><td data-label=\"Gross loss\">68<\/td><td data-label=\"Net loss\">39<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">39<\/span><\/td><\/tr><tr><td data-label=\"Return period\">Average annual loss<\/td><td data-label=\"Annual probability\"><\/td><td data-label=\"Gross loss\">3.1<\/td><td data-label=\"Net loss\">2.2<\/td><td data-label=\"Net, capital = 100\">2.2<\/td><\/tr><\/tbody><\/table><\/div><\/div><figcaption class=\"nx-caption\"><span>Illustrative loss index for a example portfolio (capital = 100): the exceedance-probability form insurers and supervisors read. Not data on any institution, not a price or a rating.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-stewardship\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stewardship<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who maintains the method.<\/h2><p class=\"nx-lede\">Actuarial and Quantitative Risk stewards financial and risk engineering for the Consortium and reviews how it is applied across platforms.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/engineering\/financial-engineering\/\">Canonical page: Financial and risk engineering<\/a><\/p><\/div><\/div><\/section><section id=\"nx-s-11-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What are the limits of financial and risk engineering in this field?<\/summary><div class=\"nx-answer\">Models calibrated to normal markets can underestimate tail losses and correlation shifts. Complex instruments may obscure where risk ultimately sits.<\/div><\/details><details><summary>How are results checked?<\/summary><div class=\"nx-answer\">Models are back-tested, benchmarked against alternatives and reviewed by independent validation functions. Stress tests probe behaviour beyond historical data.<\/div><\/details><details><summary>Are the values on this page real?<\/summary><div class=\"nx-answer\">The data names, roles and checks are real descriptions of practice. The canvas shows a design of the method&#8217;s use, not a run; no result is reported here.<\/div><\/details><details><summary>Where else is this method applied?<\/summary><div class=\"nx-answer\">The <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/engineering\/financial-engineering\/\">canonical method page<\/a> lists every platform that applies it.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Actuarial and Quantitative Risk<\/span><span class=\"nx-chip\">Methods and Technical<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/actuarial-quantitative-risk\/stem\/financial-engineering#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. 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