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\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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n9vic4jb.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 Banking Nexus<\/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\">Banking Nexus<\/h1><p class=\"nx-scene-lede\">Banking risk, resilience, credit, liquidity, operational dependencies and emerging technologies. Banking Nexus is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/about\/\">Open Industry scope and publisher <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\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>5<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>10<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>11<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/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\">22 pages under Banking Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"ledger\"><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"ledger\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Banking Nexus<\/strong><\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">STEM methods<\/span><span class=\"nx-register-v\">5 canonical methods applied<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">Topics<\/span><span class=\"nx-register-v\">10 subject pages<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Counterparts<\/span><span class=\"nx-register-v\">11 platforms in shared fields<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Report series<\/span><span class=\"nx-register-v\">2 Reports series<\/span><\/div><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/about\/\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Industry scope<\/span><span class=\"nx-register-v\">Industry scope and publisher<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/sector\/\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Financial discipline<\/span><span class=\"nx-register-v\">Financial discipline overview<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/research\/\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Professional research<\/span><span class=\"nx-register-v\">Professional research<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/innovation\/\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Technology emerging<\/span><span class=\"nx-register-v\">Technology and emerging practices<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"Frameworks, Monitor, Topics\"><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=\"Frameworks, Monitor, Topics\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"true\" data-key=\"p1\">Frameworks<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-3-sec\" aria-selected=\"false\" data-key=\"p2\">Monitor<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-4-sec\" aria-selected=\"false\" data-key=\"p3\">Topics<\/button><\/div><section id=\"nx-sec-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-2\" 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\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Frameworks<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/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\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">Basel III framework<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">Minimum capital, leverage, liquidity coverage and stable funding requirements and the capital buffers above them<\/td><\/tr><tr><td data-label=\"Framework or standard\">Core Principles for Effective Banking Supervision<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">Baseline standards for supervisory powers, licensing, risk management and governance, assessed in IMF and World Bank FSAPs<\/td><\/tr><tr><td data-label=\"Framework or standard\">Principles for the effective management and supervision of climate-related financial risks<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">Expectations for bank governance, risk management and scenario analysis of climate-related risk, and for its supervisory review<\/td><\/tr><tr><td data-label=\"Framework or standard\">Key Attributes of Effective Resolution Regimes for Financial Institutions<\/td><td data-label=\"Body\">Financial Stability Board<\/td><td data-label=\"What it sets\">Resolution powers, recovery and resolution planning and cross-border cooperation so a bank can fail without taxpayer support<\/td><\/tr><tr><td data-label=\"Framework or standard\">IFRS 9 Financial Instruments<\/td><td data-label=\"Body\">International Accounting Standards Board<\/td><td data-label=\"What it sets\">Classification of financial assets and forward-looking expected credit loss provisioning in three stages<\/td><\/tr><tr><td data-label=\"Framework or standard\">NGFS climate scenarios<\/td><td data-label=\"Body\">Network for Greening the Financial System<\/td><td data-label=\"What it sets\">Reference transition and physical risk pathways used by central banks and supervisors for climate scenario analysis<\/td><\/tr><tr><td data-label=\"Framework or standard\">IFRS S2 Climate-related Disclosures<\/td><td data-label=\"Body\">International Sustainability Standards Board<\/td><td data-label=\"What it sets\">Disclosure of climate-related risks and opportunities, including financed emissions and climate resilience<\/td><\/tr><tr><td data-label=\"Framework or standard\">Supervisory Review and Evaluation Process (SREP)<\/td><td data-label=\"Body\">European Banking Authority and ECB Banking Supervision<\/td><td data-label=\"What it sets\">Supervisory process assessing business model, governance and risks to capital and liquidity, setting Pillar 2 requirements and guidance<\/td><\/tr><tr><td data-label=\"Framework or standard\">Comprehensive Capital Analysis and Review (CCAR) and supervisory stress testing<\/td><td data-label=\"Body\">Board of Governors of the Federal Reserve System<\/td><td data-label=\"What it sets\">Supervisory process of stress scenarios and capital plan review that sets the stress capital buffer for large US banks<\/td><\/tr><tr><td data-label=\"Framework or standard\">ISO 31000 Risk management guidelines<\/td><td data-label=\"Body\">International Organization for Standardization<\/td><td data-label=\"What it sets\">Principles, framework and process for managing risk across an organisation<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\" 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\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Monitor<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Capital and liquidity console.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this field: its measures, states and decisions. Names are examples and values are illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-banking-capital\" data-cx=\"banking.capital\" data-variant=\"section\" aria-label=\"Capital and liquidity console: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Capital and liquidity console<\/h3><p class=\"nx-fk-sub\">Bank B \u00b7 Reporting date Q2<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure&#8217;s values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>All ratios above requirement<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Banking Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Capital stack<\/h4><p class=\"nx-fk-panel-sub\">% of RWA vs requirement and buffers<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 360 120\" width=\"360\" height=\"120\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Capital stack\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"104\" y=\"17\" text-anchor=\"end\">CET1, %<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"acc\" x=\"112\" y=\"4\" width=\"88.2\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"206.2\" y=\"17\">15 of 10.5 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"-1\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"104\" y=\"45\" text-anchor=\"end\">Tier 1, %<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"acc\" x=\"112\" y=\"32\" width=\"93\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"211\" y=\"45\">16.0 of 12 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"27\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"104\" y=\"73\" text-anchor=\"end\">Total capital, %<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"acc\" x=\"112\" y=\"60\" width=\"91.6\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"209.6\" y=\"73\">16 of 14.5 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"55\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"104\" y=\"101\" text-anchor=\"end\">Leverage, %<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"acc\" x=\"112\" y=\"88\" width=\"37.3\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"155.3\" y=\"101\">6 of 3.25 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"83\" width=\"360\" height=\"28\"\/><\/g><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Liquidity<\/h4><p class=\"nx-fk-panel-sub\">% vs minimum<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 360 92\" width=\"360\" height=\"92\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Liquidity\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"104\" y=\"17\" text-anchor=\"end\">LCR, %<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"acc\" x=\"112\" y=\"4\" width=\"81.4\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"199.4\" y=\"17\">140 of 100 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"-1\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"104\" y=\"45\" text-anchor=\"end\">NSFR, %<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"acc\" x=\"112\" y=\"32\" width=\"64.2\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"182.2\" y=\"45\">111 of 100 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"27\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"104\" y=\"73\" text-anchor=\"end\">Survival horizon<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"acc\" x=\"112\" y=\"60\" width=\"44.9\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"162.9\" y=\"73\">77 days of 30 days required<\/text><rect data-m=\"hit\" x=\"0\" y=\"55\" width=\"360\" height=\"28\"\/><\/g><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">CET1 ratio walk, stress scenario<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 520 230\" width=\"520\" height=\"230\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"CET1 ratio walk, stress scenario\" data-fk-chart=\"cx-banking-capital-c2\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Capital and liquidity console: the screen&#8217;s structure, terms and states for Bank B.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-4\" 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\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/credit-and-counterparty-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Credit and counterparty risk<\/h3><p class=\"nx-p nx-mt-1\">Credit quality, concentration and contagion.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/capital-and-liquidity\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Capital and liquidity<\/h3><p class=\"nx-p nx-mt-1\">Buffers, funding and stress.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-operational-resilience\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Bank operational resilience<\/h3><p class=\"nx-p nx-mt-1\">Third-party, cyber and process continuity.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/climate-and-nature-bank-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Climate and nature risk in banking<\/h3><p class=\"nx-p nx-mt-1\">Financial exposure across horizons.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/payment-dependencies\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Payment dependencies<\/h3><p class=\"nx-p nx-mt-1\">Critical market infrastructure and digital services.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/model-and-ai-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Model and AI risk<\/h3><p class=\"nx-p nx-mt-1\">Credit automation and validation.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Banking and the real economy<\/h3><p class=\"nx-p nx-mt-1\">Households, SMEs and essential systems.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-governance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Bank governance<\/h3><p class=\"nx-p nx-mt-1\">Boards, risk culture and controls.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-property-finance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Housing and property finance<\/h3><p class=\"nx-p nx-mt-1\">Mortgage, housing, property and broader credit exposures.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/islamic-banking\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Islamic banking<\/h3><p class=\"nx-p nx-mt-1\">Islamic banking structure and professional risk research without religious rulings.<\/p><\/a><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"finance\" aria-label=\"Stress test, Overview\"><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=\"Stress test, Overview\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-instrument\" aria-selected=\"true\" data-key=\"p1\">Stress test<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-overview\" aria-selected=\"false\" data-key=\"p2\">Overview<\/button><\/div><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-2-tab-1\"><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\">Stress test<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">How a shock to assets becomes a system loss.<\/h2><p class=\"nx-lede\">The equity the system loses after interbank contagion, against the initial hit, as leverage, interconnection and recovery rates change, the core of a macroprudential <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 stress-test\" data-tk=\"Nexus risk vocabulary\" data-td=\"An assessment of how a system, portfolio or institution would perform under severe but plausible adverse scenarios, to find weaknesses before they are revealed by events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">stress test<\/a>. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-banking-nexus-0\" data-nxi=\"debtrank\" data-nxi-id=\"debtrank\" data-nxi-z=\"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\" aria-label=\"How a shock to assets becomes a system 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=\"net\">Network<\/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-banking-nexus-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Equity lost\" 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>Fall in external assets<\/dt><dd>2.0%<\/dd><\/div><div><dt>Leverage (assets over equity)<\/dt><dd>10 times<\/dd><\/div><div><dt>Interbank share of assets<\/dt><dd>10%<\/dd><\/div><div><dt>Recovery on interbank claims<\/dt><dd>40%<\/dd><\/div><div><dt>Banks in the system<\/dt><dd>20<\/dd><\/div><div><dt>Core banks<\/dt><dd>20% of banks<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Equity lost to the initial shock<\/dt><dd>18.0%<\/dd><\/div><div><dt>Equity lost after contagion<\/dt><dd>45.0%<\/dd><\/div><div><dt>Added by contagion (DebtRank)<\/dt><dd>27.0 points<\/dd><\/div><div><dt>Banks in default<\/dt><dd>0<\/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\">Round<\/th><th scope=\"col\">System equity lost (%)<\/th><th scope=\"col\">Banks in default<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>18.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>28.80<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>35.28<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>39.17<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>41.50<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>42.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>43.74<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>44.24<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>44.55<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>44.73<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>44.84<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">11<\/th><td>44.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>44.94<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>44.96<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">14<\/th><td>44.98<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">16<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">17<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">19<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">20<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">21<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">22<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">23<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">25<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">26<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">27<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">28<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">29<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">30<\/th><td>45.00<\/td><td>0<\/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>DebtRank <span class=\"nx-in-cite\">Battiston and others (2012), Scientific Reports 2:541<\/span><\/li><li>Differential DebtRank <span class=\"nx-in-cite\">Bardoscia and others (2015), PLOS ONE 10<\/span><\/li><li>Contagion in financial networks <span class=\"nx-in-cite\">Gai and Kapadia (2010), Proc. R. Soc. A 466<\/span><\/li><li>Clearing in financial networks <span class=\"nx-in-cite\">Eisenberg and Noe (2001), Management Science 47<\/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\">No observed data enters this model: it runs on the teaching values set by the controls, to be replaced with a programme&#8217;s own evidence.<\/p><\/div><\/details><figcaption class=\"nx-caption\">How a shock to assets becomes a system loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: DebtRank (Battiston and others (2012), Scientific Reports 2:541); Differential DebtRank (Bardoscia and others (2015), PLOS ONE 10); Contagion in financial networks (Gai and Kapadia (2010), Proc. R. Soc. A 466).<\/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\/banking-nexus\/foundry\/\">Banking Nexus 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\/banking-nexus\/universe\/\">Banking Nexus 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\/banking-nexus\/reports\/\">Banking Nexus 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-overview\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"band\" aria-labelledby=\"nx-s-6\" 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\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Overview<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What Banking Nexus does.<\/h2><p class=\"nx-lede\">Bank risk management is how banks identify, measure, limit and carry the risks they take, from credit and liquidity to operational, model and climate risk, under prudential rules such as Basel III. Banking Nexus, the Global Risks Alliance&#8217;s platform for the sector, explains how those risks reach households, firms and the financial system; it assesses no bank and gives no advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Bank risk professionals; credit officers; treasury; banking technology and governance.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Stress testing; operational resilience; credit and liquidity frameworks.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Bank resilience guides; cross-system exposure research; sector briefings.<\/p><\/div><\/div><\/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 in Banking Nexus 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\/banking\/\">Banking<\/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-home-A02\" 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-h47\" data-tc=\"NHS-1 infra.structural.dam-failure\" data-tk=\"Built systems \u00b7 Structural and civil failure\" data-td=\"Breach or collapse of a dam, sending a sudden flood wave downstream.\" data-ts=\"NRS-H47\" data-tr=\"draft\">Dam failure<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h16\" data-tc=\"NHS-1 cryo.floating-ice.sea-ice-loss\" data-tk=\"Ice and snow \u00b7 Floating ice\" data-td=\"Shrinking polar ice cover that exposes coasts, shifts weather patterns and opens new shipping and security risks.\" data-ts=\"NRS-H16\" data-tr=\"draft\">Sea-ice loss<\/a><\/li><li>Storm surge (set off downstream)<\/li><li>Intense rainfall (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>Coastal erosion (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><\/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\/banking\/\">Banking<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/central-banks-and-supervisors\/\">Central banks and financial supervisors<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/cities\/cities-and-built-environment-standards\/\">Cities and the built environment<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/digital-ai\/digital-and-telecom-sector-standards\/\">Digital, telecom and platforms<\/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-U2<\/code> <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a> platform profile: Banking Nexus<\/li><li><code>NRS-F2<\/code> Banking climate, nature and transition risk<\/li><li><code>NRS-H113<\/code> Hazard family: Financial-system fragility (NHS-1 soc.financial-system)<\/li><li><code>NRS-K20<\/code> Domain pack profile: Climate adaptation (DOMAIN-020)<\/li><li><code>NRS-U8<\/code> Universe platform profile: Energy Nexus<\/li><li><code>NRS-D1<\/code> Risk-informed development and project screening<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>BIS statistics (banking, credit, debt securities, property prices) (listed for reference)<\/li><li>IMF data services (IFS, FSI, WEO, GFS) (listed for reference)<\/li><li>World Development Indicators (listed for reference)<\/li><li>GLEIF Golden Copy (LEI Level 1 and Level 2 data) (listed for reference)<\/li><li>Bank capital to assets ratio (%)<\/li><li>Bank nonperforming loans to total gross loans (%)<\/li><li>Domestic credit to private sector (% of GDP)<\/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-3\" data-hue=\"climate\" aria-label=\"The problem, Exposure, loss and capital, What the platform does\"><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=\"The problem, Exposure, loss and capital, What the platform does\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"true\" data-key=\"p1\">The problem<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-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-3-tab-3\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"false\" data-key=\"p3\">What the platform does<\/button><\/div><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-3-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\">The problem<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Banks sit where real-economy shocks become financial ones.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">A bank&#8217;s balance sheet is a map of the economy it serves. Its loans are claims on households, firms and governments; its collateral is houses, land, equipment and inventories; its funding comes from depositors and markets that can withdraw quickly. Banking is inherently leveraged and involves maturity transformation, lending long against short-term funding. That is what makes it useful, and what makes it fragile.<\/p><p class=\"nx-p\">Shocks arrive through several channels at once. A flood or drought impairs collateral and borrower income; an outage at a shared technology provider interrupts payments across many banks; a sudden loss of confidence drains deposits in hours through digital channels. Losses reduce capital, which reduces lending, which deepens the downturn that caused the losses. Concentrated exposures to the same regions, sectors or counterparties mean that many banks can be hit together.<\/p><p class=\"nx-p\">Banks also depend on each other and on shared infrastructure: interbank funding, payment and settlement <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>, cloud and software providers, and common models and data. Understanding these connections, and the way physical, technological and financial risks combine, is a shared problem no single bank can solve from inside its own balance sheet.<\/p><\/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-3-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 Banking Nexus 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=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How Banking Nexus could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"disclosure-crosswalk\"><h3 class=\"nx-h4\">Disclosure crosswalk<\/h3><p class=\"nx-p nx-au-what\">Where evidence on Banking Nexus fits the disclosure and prudential frameworks institutions report against.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Pillar<\/th><th scope=\"col\">TCFD<\/th><th scope=\"col\">ISSB IFRS S2<\/th><th scope=\"col\">Prudential (BCBS, IAIS)<\/th><th scope=\"col\">Evidence this page can hold<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Pillar\">Governance<\/td><td data-label=\"TCFD\">Board oversight of climate-related risks<\/td><td data-label=\"ISSB IFRS S2\">Governance requirements<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Governance and risk appetite principles<\/td><td data-label=\"Evidence this page can hold\">Who owns the risk and how it is escalated<\/td><\/tr><tr><td data-label=\"Pillar\">Strategy<\/td><td data-label=\"TCFD\">Risks, opportunities and resilience<\/td><td data-label=\"ISSB IFRS S2\">Scenario analysis and resilience<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Strategy and business model principles<\/td><td data-label=\"Evidence this page can hold\">Scenario design and transmission paths<\/td><\/tr><tr><td data-label=\"Pillar\">Risk management<\/td><td data-label=\"TCFD\">Identify, assess, manage<\/td><td data-label=\"ISSB IFRS S2\">Risk management processes<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Internal control and ICAAP or ORSA<\/td><td data-label=\"Evidence this page can hold\">Exposure maps and loss views<\/td><\/tr><tr><td data-label=\"Pillar\">Metrics and targets<\/td><td data-label=\"TCFD\">Metrics used and targets set<\/td><td data-label=\"ISSB IFRS S2\">Cross-industry and industry metrics<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Data, metrics and reporting principles<\/td><td data-label=\"Evidence this page can hold\">Indicator definitions and units<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Sources: the TCFD recommendations, ISSB IFRS S2 and the BCBS and IAIS principles, cited by name; the framework texts are the authority. A crosswalk by pillar. It is not a compliance assessment.<\/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-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-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\">What the platform does<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Shared industry understanding, not bank-specific advice.<\/h2><p class=\"nx-lede\">Banking Nexus is designed for bank risk professionals, credit officers, treasury teams and specialists in banking technology and governance. Its methods are stress testing, operational resilience analysis and credit and liquidity frameworks.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M8 3H2v15h7c1.7 0 3 1.3 3 3V7c0-2.2-1.8-4-4-4Z\"\/><path d=\"m16 12 2 2 4-4\"\/><path d=\"M22 6V3h-6c-2.2 0-4 1.8-4 4v14c0-1.7 1.3-3 3-3h7v-2.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Guides<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Bank resilience guides<\/h3><p class=\"nx-p nx-mt-1\">Precompetitive guidance on shared resilience questions, developed with practitioners and researchers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Research<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Cross-system exposure research<\/h3><p class=\"nx-p nx-mt-1\">Aggregated research on how hazards, technology and other sectors reach bank balance sheets.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Briefings<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Sector briefings<\/h3><p class=\"nx-p nx-mt-1\">Concise briefings on emerging issues for the banking profession.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-11\"><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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">A loan book under scenario families.<\/h2><p class=\"nx-lede\">How physical and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 transition-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the shift to a low-emission economy, through policy, law, technology, markets and reputation, which can reprice assets and change business models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">transition risk<\/a> could reach a loan book under different scenarios. Illustrative design values.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"climate-stress\" data-gl=\"sf:climate-stress\" data-sf=\"climate-stress\" data-sx-credit=\"Natural Earth (public domain) | relief: GEBCO 2020 Grid | design values; NGFS names as labels only\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | GEBCO Compilation Group (2020) GEBCO 2020 Grid (doi:10.5285\/a29c5465-b138-234d-e053-6c86abc040b9), relief ~ public domain, not for navigation ~ https:\/\/www.gebco.net\/data-products\/gridded-bathymetry-data | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"waterfall\" aria-label=\"Interactive map: a design loan book over Europe, coloured by a design loss-sensitivity score. The panel chooses layers, a scenario family and a horizon.\" data-nx-zf=\"figure.9552b4f17147.txt\" data-nx-zs=\"sha256-lVK08XFHt5\/XrVXAbag5U4xkJpGmCdBzADgNfyGqcZc=\"><figcaption class=\"nx-fk-cap\"><span>A loan book across Europe under physical and transition risk.<\/span><span data-honesty=\"true\">Design values; NGFS scenario names are labels only, not stress test results.<\/span><\/figcaption><\/figure><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"climate\" aria-label=\"Across the Consortium, Coverage, Grounding, Cycle\"><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=\"Across the Consortium, Coverage, Grounding, Cycle\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-across-the-consortium\" aria-selected=\"true\" data-key=\"p1\">Across the Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-sec-areas\" aria-selected=\"false\" data-key=\"p2\">Coverage<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p3\">Grounding<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-4\" aria-controls=\"nx-sec-cycle\" aria-selected=\"false\" data-key=\"p4\">Cycle<\/button><\/div><section id=\"nx-sec-across-the-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"band\" aria-labelledby=\"nx-s-12\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Across the Consortium<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Five methods, four chapters and many counterparts.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Banking Nexus draws on five canonical methods: <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\">financial economics and macro-finance<\/a>, probability and statistics, network science and contagion, financial and risk engineering and artificial intelligence and machine learning; see the STEM foundation of Banking Nexus. Four chapters carry focused work: <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/trade-and-supply-chain-finance\/\">Trade and Supply Chain Finance<\/a>, Housing and Property Finance, Financial Services Risk Management and Islamic Finance and Takaful.<\/p><p class=\"nx-p\">The hazard and dependency evidence that banks need comes from The Global Centre for Risk and Innovation (GCRI), on platforms such as <a class=\"nx-link\" href=\"https:\/\/therisk.global\/climate-hazards\/\">Climate and Hazards<\/a>, Water Nexus, Energy Nexus and Disaster Resilience. Governance dialogue on capital and climate is convened by the Global Risks Forum (GRF) on <a class=\"nx-link\" href=\"https:\/\/globalriskforum.com\/capital\/\">Capital Nexus<\/a> and Climate and Nature Governance. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/counterparts\/\">all counterparts<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Coverage<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">The areas of financial stability this platform takes on.<\/h2><p class=\"nx-lede\">Banking Nexus studies how banks take, measure and carry risk, and how that risk reaches households, firms and the wider financial system. Its pages cover credit and counterparty exposure, capital and liquidity, operational and third-party resilience, payment dependencies, climate and nature risk, models and AI, governance and Islamic banking. Each page sets out mechanisms, indicators, sources, methods and the board and supervisory decisions the evidence serves. It is shared industry understanding from the Global Risks Alliance, not investment or financial advice.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><div class=\"nx-cells\" data-cols=\"4\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Credit and counterparty risk<\/h3><p class=\"nx-p nx-mt-1\">Default, migration and concentration in loan books and trading exposures, and how losses pass between counterparties.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Capital and liquidity<\/h3><p class=\"nx-p nx-mt-1\">Loss-absorbing capital, liquidity buffers and funding structures, and how they behave when markets and depositors come under stress.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m4.93 4.93 4.24 4.24\"\/><path d=\"m14.83 9.17 4.24-4.24\"\/><path d=\"m14.83 14.83 4.24 4.24\"\/><path d=\"m9.17 14.83-4.24 4.24\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Operational resilience<\/h3><p class=\"nx-p nx-mt-1\">Continuity of important services through cyber incidents, third-party failures and process breakdowns, within stated impact tolerances.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Payments and market infrastructure<\/h3><p class=\"nx-p nx-mt-1\">Payment <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>, central counterparties, settlement systems and the digital services banks depend on to move money and collateral.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Climate and nature risk<\/h3><p class=\"nx-p nx-mt-1\">Physical and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 transition-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the shift to a low-emission economy, through policy, law, technology, markets and reputation, which can reprice assets and change business models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">transition risk<\/a> to loan books and collateral across short, medium and long horizons, explored through scenario analysis.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M12 5a3 3 0 1 0-5.997.125 4 4 0 0 0-2.526 5.77 4 4 0 0 0 .556 6.588A4 4 0 1 0 12 18Z\"\/><path d=\"M9 13a4.5 4.5 0 0 0 3-4\"\/><path d=\"M6.003 5.125A3 3 0 0 0 6.401 6.5\"\/><path d=\"M3.477 10.896a4 4 0 0 1 .585-.396\"\/><path d=\"M6 18a4 4 0 0 1-1.967-.516\"\/><path d=\"M12 13h4\"\/><path d=\"M12 18h6a2 2 0 0 1 2 2v1\"\/><path d=\"M12 8h8\"\/><path d=\"M16 8V5a2 2 0 0 1 2-2\"\/><circle cx=\"16\" cy=\"13\" r=\".5\"\/><circle cx=\"18\" cy=\"3\" r=\".5\"\/><circle cx=\"20\" cy=\"21\" r=\".5\"\/><circle cx=\"20\" cy=\"8\" r=\".5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Models and AI<\/h3><p class=\"nx-p nx-mt-1\">Credit scoring, provisioning and capital models, and the validation and governance that machine learning now demands.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M6 22V4a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v18Z\"\/><path d=\"M6 12H4a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2h2\"\/><path d=\"M18 9h2a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-2\"\/><path d=\"M10 6h4\"\/><path d=\"M10 10h4\"\/><path d=\"M10 14h4\"\/><path d=\"M10 18h4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Banking and the real economy<\/h3><p class=\"nx-p nx-mt-1\">Lending to households, small firms, housing and essential services, and how bank stress becomes a credit squeeze.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Governance and supervision<\/h3><p class=\"nx-p nx-mt-1\">Boards, risk culture, lines of defence, supervisory review and resolution planning, including the structures of Islamic banking.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-14\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Banking Nexus rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Financial economics and macro-finance<\/span><span class=\"nx-chip\">Probability and statistics<\/span><span class=\"nx-chip\">Network science and contagion<\/span><span class=\"nx-chip\">Financial and risk engineering<\/span><span class=\"nx-chip\">Artificial intelligence and machine learning<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/\">See the STEM foundation of Banking Nexus<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-15\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\">Universe<\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\">Question in Banking Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/\">Evidence in Banking Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/\">Build in Banking Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/community\/\">Organise in Banking Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/universe\/\">Test in Banking Nexus<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/reports\/\">Publish in Banking Nexus<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS (participants, agreements and handoffs)<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/trust\/\">Decide in Banking Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\">Renew in Banking Nexus<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/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><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-16\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Banking Nexus works through six pillars of one annual programme, led by the Nexus Consortium, with GCRI, GRF and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <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>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/banking-nexus\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/finance\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/banking-nexus\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/finance-economics\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"tVjbbts4EP0Vgs8ahkNKlATEBtrUxRboDUm72H1ULTU2qoshqbvJfv1ihvIlsZ3YavoQhDLJMzxzZoYjXd6KeZl13UTWd1B3y1tol\/VtJ0XWLjNYLPO8qCeyb38Wcnq5asr726be23Er1sM86xZSrJpl3XcTqQNwiYgSlQZgQz+wodCBSwSsn2A9Ly9GWUAbCkQXgIv5v4uFDuhHGJ5gmH0S\/wGk0VpgbJUJADdDGumApmD7A2yXEfx82c7L4tnTz+8mUksxv+d\/7USayPDpsn7xeHO\/nP+QIp\/IDxpMZEoNqCtrVCrQKKMiCCuLKhGoVShQIViVVlYrFBiqSKByYFVcmURgoqwwYFVUmUiFwtA2o0KwylTG0C+hSkWsEGKFFYbKCYsqFVYZMCqsMFIoTKoSYVUEpkJUSCucsCoGVK5ytNrwghRQYWVUJKxVoQhBRRWQRX5ELXQFxEAwl1DwNHFgNpb4KayASTAdq2JiU4HnwYcQpgJPgwhZZYhPBcyDGcUK6a8CJsKUjF9ZATPxnAiL1zjBpAZOFTAZ5w9Dh6qAj29UpCIR+idmpQVqXp4yKximUSXMCrb7tUJmBRsjJmFOMByDuDAr2B6VZCJWsCFEXJgVbGgTF2YFg2uQ42EIAe88RxsMLxk8TDHENFgDMutJkUJMhUmxfsyEOa31ZSJMaR0CngkfAUzlaUQ+yDiImAXzWQcak2A6m2AkDp4NhytTYDLrcGYKzh\/CRzydmahQRlAuXdxOL\/dq23zRtHknp5flsi72Jzdp2tRS5FmfwQ\/O0Dvkf\/c4kVQbpLgzE8mZL8W9mUhOf9H1bfOjgH+Xeb+YSKMsl4TjllaL4g7qpi62tvB5WwdM4dl2zBE72tswL2HDHrEBv0RmT57wBDPj9NkzFXlTa2BcAz+vkFXhucbcE8aOyzTCUPyEIXhxWsmJ1l5IsnTP3AlOHGEH9XFDL+9ExNOswQuZe1guzG8kZp+39EKRgUPhgDFOXNujS+ZQ00Zt5qYs0sOmg9O6ZGzB7aQwWsPm2Y+45eSV\/5GJ3TuM4bK2bf7tDnbjw\/w+38VEvtW47XExTqhrtSgw8f1ruml408N98tPYZgfbETZBO+6S18jjgO0WGCKtMDDkLAgNIVJzBjZWJjCoojHw4Q58mCgXpJEA62igh8HQ2p+LHP3eg7sdeGeUDdBROwtxpDBgCQTEZBajdJyFeGshSlUSoKOe18XkkihSRsSGhs6qZAx8shMxGPHrFL0XoFURucoK1KFKA2onx8CnO\/5B1CoNYpUKyi0+P7kKdUoC6FHnp4K\/jRxyOjfGgrplyixNArDCMFJi3MlXNuBfjAie0X8lfHAnXznsUUfCRztq8Qthjzv5GiVBkionolTFQexULFyibJCgiscg76UqF0qfo0DnH4bpCIdc4164oJcwTSiHvLSoLT2EeozPr82uCV9rLQrw5ZIKMAxVeUyhvH5QJyldwecrcMKCz1jglIWROXsd7qasVSF\/e6FvDJxUgNbxPRbxQxh6Gwffw7pV1v6gO+zg7GLZH52bF3VftIc\/T7XFvN9bvyqzvpDijrxuQynuKXxCKdY3uUukWBTL20U\/kamTor2jd4qL6WVf3O2j1YykGcbIKSaXF7TuyOp+d7WR00VW5833751Y1mJVZvdPb940EPNyByfUcoqxKJtm1Yl52XRFvoY56LC6yQvy5sGJjc5dUQ5CL9kQD1fLsszaiSyzb4Rw+OPWIiubB1+0\/CtYy83c0U9i39sje5Lje\/KmP7JJH9OrzL7tuA5MqKWgdZDV9ClgIqtlnpeFnL7PvnVPqdHPH+BEyRGc2V+fZ9fvPsw+frl5VpXDzsdHzv\/e\/Kzz9v4E\/w89K7sGz9Dg4L5TdDi48VktjDbKeT8i3UMP\/Nj1WdvL6VtP+gRFdtAoew+Bvf767v2bsXKYR3L8rJf\/FG1XnKfHSDnGqjFGDDRHtPg6MD5LDLTJYbSrTx\/\/nH2c3YhXH9+IL7Ob0XliHwnT9VmdZ\/7r3omVakShGlOnzi1TJjpWpW7WHE8uVca5I1hXn968e\/s3y3D16fp6dvVlpBDhIyHaYtW0\/SkywMgMgbEpAqNyBJ5KkqLO5fTaUz5BFXgqRRjr89fX79\/d\/DEbmxfRIzmyeZYX1f2ZcsBYPWC0IDBKkQN3CLvxlad9niT7VwhjfZm9unokyMXt9H8=\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" 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-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/\">Banking Nexus in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/universe\/\">Banking Nexus in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/reports\/\">Banking Nexus in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-5\" data-hue=\"finance\" aria-label=\"Consortium, Pages, Connected, 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=\"Consortium, Pages, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-2\" aria-controls=\"nx-s-18-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-3\" aria-controls=\"nx-s-19-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-4\" aria-controls=\"nx-s-20-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Banking Nexus links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/water-nexus\/\"><span class=\"nx-dir-name\">Water Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/food-nexus\/\"><span class=\"nx-dir-name\">Food Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/energy-nexus\/\"><span class=\"nx-dir-name\">Energy Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/biodiversity-nexus\/\"><span class=\"nx-dir-name\">Biodiversity Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/climate-hazards\/\"><span class=\"nx-dir-name\">Climate and Hazards<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/disaster-resilience\/\"><span class=\"nx-dir-name\">Disaster Resilience and Recovery<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/oceans-coasts\/\"><span class=\"nx-dir-name\">Oceans and Coasts<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/space-earth-observation\/\"><span class=\"nx-dir-name\">Space and Earth Observation<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/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><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-18\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">18<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-18\" class=\"nx-section-title\">Pages in Banking Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Banking Nexus<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Chapters<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-19-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-19\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">19<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-19\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/stability\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Financial stability<\/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:\/\/therisk.global\/fields\/markets\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Capital markets and investment<\/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:\/\/therisk.global\/fields\/climate\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Climate and hazards<\/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><\/div><\/section><section id=\"nx-s-20-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-20\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">20<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-20\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Banking Nexus?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Banking Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Banking Nexus active?<\/summary><div class=\"nx-answer\">Banking Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Can GRA assess my bank&#8217;s exposures?<\/summary><div class=\"nx-answer\">No. GRA does not perform members&#8217; own credit or risk-management work and assesses no individual bank. It develops shared methods and aggregated evidence each bank can use in its own analysis.<\/div><\/details><details><summary>Is Banking Nexus related to supervisory stress tests?<\/summary><div class=\"nx-answer\">No. Its scenarios are research. A supervisor may use published evidence as any other source, but GRA sets no requirement and conducts no supervisory test.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"finance\" 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\">Reports 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\">Banking Nexus<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Scenario and Stress-Test<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/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\/banking-nexus#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. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a02\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a02\" class=\"nx-h3 nx-mt-2\">How Banking Nexus works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a02\" data-nx-pe=\"nx-pe-a02\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Banking Nexus<\/p><h2 class=\"nx-pe-title\">How Banking Nexus works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on 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><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <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><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/\" rel=\"noopener\">Banking Nexus home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-globalriskalliance-com-banking-nexus\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-globalriskalliance-com-banking-nexus-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-globalriskalliance-com-banking-nexus-h\" class=\"nx-h3 nx-mt-2\">Take part in Banking Nexus.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Banking Nexus platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-banking-nexus-tab-routes\" aria-controls=\"nx-tp-globalriskalliance-com-banking-nexus-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-banking-nexus-tab-calls\" aria-controls=\"nx-tp-globalriskalliance-com-banking-nexus-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-banking-nexus-tab-cell\" aria-controls=\"nx-tp-globalriskalliance-com-banking-nexus-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-banking-nexus-tab-index\" aria-controls=\"nx-tp-globalriskalliance-com-banking-nexus-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-banking-nexus-panel-routes\" aria-labelledby=\"nx-tp-globalriskalliance-com-banking-nexus-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Banking Nexus. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-banking-nexus-panel-calls\" aria-labelledby=\"nx-tp-globalriskalliance-com-banking-nexus-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-banking-nexus-panel-cell\" aria-labelledby=\"nx-tp-globalriskalliance-com-banking-nexus-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-globalriskalliance-com-banking-nexus-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-globalriskalliance-com-banking-nexus-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-banking-nexus-panel-index\" aria-labelledby=\"nx-tp-globalriskalliance-com-banking-nexus-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"climate\" id=\"nx-grix-globalriskalliance-com-banking-nexus\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-globalriskalliance-com-banking-nexus-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-globalriskalliance-com-banking-nexus-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <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> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Banking Nexus<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <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> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-globalriskalliance-com-banking-nexus-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-banking-nexus-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-banking-nexus-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-nexus-cycle\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> The cycle<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/climate-nature-finance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Climate and nature financial risk<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-21\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-21\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/write-to-us\/readiness-request\/\">Propose a readiness pilot <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\/banking-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-22\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-22\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Banking Nexus?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Banking Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.\"}},{\"@type\":\"Question\",\"name\":\"Is Banking Nexus active?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Banking Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.\"}},{\"@type\":\"Question\",\"name\":\"How can I contribute?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Start with the participation paths or write to the contact form. 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