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4I+f\/i4+tjK8Bc6bBfpS3Ag0BvB596RP8H\/XP+hfD9tmlV5TMej0Gj3xPHTgnY7FbWvNt4HFGEV62zFwi1oT04I9+NMdBmDOo0loyiF\/rzhGAfO0py6hLblhjtMpVMLRPbhmSC1BS1m4RSCvwPfT8+AFOBh8TUTwTPdI3IYCzosb+a+gN7Ory\/8tvYEr92X6QHwovqjfYAf8E+6fIoNqpMij4RvQkRq8IX8gfoDcoZfbz+R\/jGqs4w4xkMTr9Dg9ac4jzg\/Ae+0VsiSlfwgpxOLFf0Z\/m\/6uBpmue9icg6vgU6bn\/umw0LVKno031E5PQG\/gaoMN8qKgaIgcoaQrov9Q0HbPdqGyD2Y7KqxfL45T50c9B0s+Sye6Xt0tXgK3wnm1Ea5NT\/0a6QDJ3BNoPY4hNvlXLA77weJCb5kY7niR2uAdIU1gbu2Za6eLw+SDKXWSFIwOam3YE\/rKck9fdZkLhIEtd96Rziu6Cm3lnNo2xGlcd3VhqNCCYeqyfL\/hqFyX16pJRiqQm9HtumYgChQYQRZi5hBBlpDU1hXrZaAD9V6+YcYugSyQGEAevJVx0zOc91ajNA2jDiaufGzxucAcNtGtcSmFRyFQpuFgz3CeaIktYjgmiQ1NSeAoeWTOQWkhJJZF7\/PQgconL+0abagG1y63IHaxCNGVFqBjNYkucR\/9psVK02FkWovCSDi0eXeo3w7MueGTyKSRod4EzIY2X+LYxzw5z1f3w93T2+l5kLxqdJhN79P7dkuH2aGbLR\/4pedmJbdyMXnPaFJtF+8zO8kFaqOek7VfxaGjcNS2SS5Ze5UMbOFjEu23PIBrDxZHrOFJ8OSGlwwjENfgbpYjY4M6IcFq2JzRIqRdRI7ArnezeeOoU22BJI0ahzVOXlEAnY7xXneSQQOMDawNBJwuCeBtJs9c+mn2YD5gwAuANKHQZIgJt55j4hRj84z0rp94J9t2YAO1SrKZLxwG2Ykc6g4TYzX1FoDKJUoj6jWZ29xZ7CLymVvguOwIcMkvTk\/C2kPsHbJ6Ze6TB3ULixCiCAbdrmaxNbHFKZF6lTmCghcw2lJzhp0F2E\/I9j19WNjgaYNImBFip5AIbwJcuTVehRQJGDjoja58yKcaYBMc7ihkjTXkNgU22QUmWBm0ngWNKWwctauAgvbYBmQ9XUHFbvVv+R510kYGMnM\/f2M3Vl2dPwIyJzBlQVaXRH4tbqMIWUvvzxNzLuFTU\/jeRnrbr1pfExkGdAQmvjIyWc8BxSEyR4LrSWvvAxZ9aKInxk+z+zuAkWh5ygbnUtbvnEyKOBgiUaMUSslEzFzKKRhuXY7con4554t+lSGek6ESMLtEQNIsMrbmaWBlQ\/E1LXwl93GHnvTTHp\/ZbEIMp7gbrBQwnpGtxZ5msyBpEm3dQEnthMJ0PjIVJTMbq6GBDLeEIs9fz\/q6h4f3Dte+SVU5WRLH6Obc1FJkgPMoOKrWDxtEqZUWeX\/mZha2lgaKQX8NXlicO9pzl94sZ+BBf+PG7Xl03PuwdN8lb7qufxBuHq+SXTcGzIl3KR141M1Br+bLY+Nh53hjZuSeW83eOF4cU8AHk5LAqJhdg6Z5e333rl3hVezkLK0HbYYozeKbRtNmq3N91aXjpWm6r5BDBSNdGIVdcEf84AE0BS9a4pVQQdmyna2A0QbAzq6WjUZdFTY0tCrK6a1TFQ3XHiQTCtc1GuIOJx2zNkeL7s6pj5YumENnU1puTq0jfcbwDjzqNel4Hua5C4JNHA0BkTzR1uRuzteIckAW3ELBYDuU2BjqEWVrUhFDwJkDlbh3KAwA5kDJELYzazuqUYYN5SLANQW+c4i6fMACGnHSpKCh5GQVSyoCHHCVVbLLKI+UD0DgIiIrMu+Ithaa0myxWjykibxQZOJcnkfJHnFjUfmcPZo\/Q5m\/kn3QVVPhr32+XgxURh49eO\/JQ4fVsaBjJdB4u2R57CNJxmYNJcOQFdRnskxiWwQsC8AH2xXTGRk6yoQX6Nwpp05wE2zRwX45XUu7qLzzWY9nzhcaBouRLYNYVI3i3rNeOE6oI\/jqG5CJEKbVDTR\/x5ctF\/MYI+luXvi9+lTcyZQ8rToRiCCuYpkqw9XXIUUqM4me2WuKoxaBcObrozyhLmsvnA6MgHydtFi+zd6+2qHjUcQsejqns6KHjlG0GJro+srs3KxAaUTLg1OTe6gKlPqMjOZi\/f1vyRmNxSsZ2DnMEG95pNCKzMEaLWzEPUHVchTyfpPt9SPxNE4DvOCYeESBPde5aw53fV60KSggCCuR1AyJhrKkObIGa5KSgE4k43AnjSTG495HqJBBOWgxJsF3rJEMVaDxFvscYm5r0QvSLpTjTghvc5JstcQsJLvBViQhAnTbyqVkSCRFzGSEXO+GoAVdDy33mA1sd0qiLElTtqjJfMyZgjz1xEjsLFbjtQ8zgZciIIKtjXQVkh77bvcLghpCGVZ2RqYExK\/zFSOuQw2maA4x9ZD52wybZWBeg6rv0cx4HJvDtCSBD+FSSgnZKO7RGa+A7V9fzaCy3Ez7zg98UosAly8b370dQqTRo3h2neoAnAUiVnXREOcAVN5ROLiIMsAcgtmZVBX7kWSCDInjCAtieS5wd49aLNK6Bylka7zWU7DEkkFoJK46IdXKYX+\/PuB5yELCPFDMUQ8ZvIsp1sHm7dk8BDMaeQYlwdEzgAUGYTMboz2MpSc9zgkECz2jvYPkS\/kSD\/jr2WVQ48D20gA6HSJH7yEL0WDS12mPRHSXYfRm1tYvICEJvEbqoigmPuAJGyXsQ6IEAoHXWMCr+Tk7DF0kdGA34DUfYhU9fG\/\/w2j\/3nPgIm0Qg5bXsCLQZ86Nvg9MQlr9sV5HijyoaeQjUDuUDel2cIllW1hh7OrV2NeIE88L6JDUODGnI4YDkYHx\/EfTdTVxR85GFt\/Dnlo9GgDo1zt5n4rRkmK8L0r1IlZMsMcXl+DEbIGPwow6tU0pnEoFhzjZIcydI\/VK9xtwqgruQMlwpimBVb4rtPegYxkJaCC\/mfW8PFM+KlOGMVS8RKWjHJyS3zI2qnlaMy8zuC\/A2\/QPtQZgKl4TJZm4seEMPMT+lgrSB\/ivxZNxk4F\/Rb+iilv0XBhaqNdXwFfpk9oP4aMBhSYKdYQGOoOFQ8FEEoLHfgraMxxjaZwNDvCJmAmpN8gm06Bit9KYK7CBHKSbYId+2hCxfOpMs9DEFmZJ79NEFov7flWYeI8RWom4m6fcAscF+BTdtKFYR3+X9jyJDE4E+AL9ugnvbDfT57jGLU9p9wIw9NPaYGNi5iDoHIU6QPAS9pDjjp2P\/46VcZsuCIUt5t3DxMEcLaAgi\/Qwjoi58S54mp2qlBtGRqEMMW15EV1AtvYzcYI\/RwLYQwqVcIEYcn5FMVhSBB55CvxV9pLuduK+g5GnEmuM0jCA6PzIWnDJFu23oGUoOeMjhSuPvReHKqNfwEN4D2uYkSl\/f\/rXtCM78SCbw6fRK3BIWkzCI+wOyeBlOvfveCdA7Hd1mFhLr\/s6LcJj8VX9mDOxJtS9VzwCr+qnPfbzMAazSHwIt9CUdwEHH+fgD2GgBHo7pfdDUy44JyGbx1foEgl8CDNs0ChcyMAV9qs67AYVhH2NNbAiJ8L6xyXYZT+i0tAfhtq18RZZ0sDevwtyZnq\/9HlSnoVT59BKIDsPxGvSuhBJMKDnypt0RPqtvwCvI49yv\/E4WNFfV6nwFg08YyRNHO6UP0FvNf8WHtMm\/7D\/JglYwC70HoYH7E35VLpBH4e3qEz7aEoH9h3NpfQwwXSOBVuIc0kEb3LvK\/AC\/bw27zu9CV51perBsUzCDFLaoAoTdLUAP0d\/XC+f0PflVykgYxJjRhxGUHj+QfAvaKXgiDGY2\/OmSYSf5wqUameRJ0EzqscdZDiGC3rzaNxFPeqfNiQEcmQNWnjhEtuwXJ+glwmCx6xXS3vDf44rHsnXyjX9WfFq+j9EI78nvgAtydAhhbQmFuHsKruuqVEb4Bv0n\/X4+uqxxeeMjuu11i8Wc\/ZmMaQQCeKKcTEnH7YPB\/+9gJN\/7nxr6elMp6wIEJa6gcw7ONRRDj1MwwBNG6TTdNIsAfE+EDloLeUeL3TqMuC6nAmjLIZB9yr1OJabfgk7xAhwc\/Qii\/kYLgkLOGNRCI8ECbujfAyKvwD\/Lvu9YH\/Q\/df4OVC40r8vIHfXPQ9U+hE7ZNvwSiQmLt8cfsw9IfbAQ+YZ9aVAovPfjQPfgS+7tUOg0imI7pVIFksy8nuRpAAPA\/WPGBQcfsO\/GiorwqUY+9wGNLPHqE07Z5MAIFwCoSoP3Rt4SQl0vfGPaOtvZm+Fji5N5Q7Jka\/ilH60f2zpxNt5a26Qhyx2CubNu00XEC1nNM5F0g40pM1b+a2wY5GbwZtR+OSm4Ckzi5g\/ZD9i7wQEuvnL6l8ElLS4r4iZHd3xHWks6V5FrqjQIgijkbEsvO4yd9CNbIuWYayh65XBK5d5l07DQAdLQn\/mp93Z21IZBBaeJYd6TpwmS1n6BjcF0dN0n0rQFHMWSR5XFJIVBTxz7fCUR7ILDrKxq2iEWipNU9c1G4ZYec4c4EYgaIdPrL6dETpGD7CniO\/6a7hDBN6z98oiXGAivcw4uEZ4UgKDAVwOB+D18iV4xTxGWgpxD2pyA0VM6Ga8RRjvcIQ4WZ25zkN0K2dUhhVmyKKKYTznnCwJFRpMxXjwEmbElb\/jX4O3HMYH7IjuozvIYeLntOMfiFcoin9Mj7BMx+IO42iQf3Y4QQV4ARlCiqfjuTOfly5QziOuu4+XL\/BP+1GPSCahfgzsZffgqPnPSsGOwCfQ7yCDOPlQuEw3zBOYkCWewOfA\/q+h0v2Gsxi36zuW4JWL2HYnoPEodF6Yzku8E7RLZ36emtQqKNvUR+SU53CmTaRx3cLgwcC3SfoQJj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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-naz1ghnz.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-naz1ghnz.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-naz1ghnz.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-naz1ghnz.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-naz1ghnz.nxe :where(ul,ol){padding-left:20px}#nxe-naz1ghnz.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-naz1ghnz.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-naz1ghnz.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-naz1ghnz.nxe svg{display:none}#nxe-naz1ghnz.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-naz1ghnz.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-naz1ghnz.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-hero\" data-layout=\"editorial\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A02 \u00b7 TOPIC \u00b7 bank-governance<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Banking Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Banking Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Bank governance<\/h1><p class=\"nx-tagline\">Many bank failures trace back to governance: boards that did not understand the risks being taken, incentives that rewarded growth over prudence, or control functions without the standing to challenge. This page sets out how governance, risk culture and internal control shape a bank's risk, how supervisors assess them, and how recovery and resolution planning add a final safeguard when governance fails.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">7 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">The short answer<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">Bank governance: how the risk develops<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\">Terms used on this page<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\">What is measured, and how well<\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Canvas<\/span><span class=\"nx-register-v\">From sources to decisions<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where the evidence comes from<\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Decisions<\/span><span class=\"nx-register-v\">Who decides, and what the evidence serves<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>People and hazards in Western Europe<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Capital and liquidity console, in\u2026<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Bank governance: how the risk develops<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><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\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Bank governance is the system by which a bank's board directs and controls its risk-taking. Many failures trace to boards that did not understand the risks taken, incentives that rewarded growth over prudence or control functions without standing to challenge. Supervisors assess governance in the SREP and expect risk data aggregation under BCBS 239.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><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\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">People and hazards in Western Europe.<\/h2><p class=\"nx-lede\">For bank governance, in GRA's spatial-finance reading, the map opens on population density and night lights with built-up and settlement extent from NASA GIBS, framed on Western Europe; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"western-europe:governance\" data-ml-src=\"governance\" data-ml-plan=\"p-c4807616\"><div class=\"nx-wm\" data-nx-water=\"ctx-governance\" data-wm-domain=\"ctx-governance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-6,42,17,55.5\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"People and hazards, Western Europe: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">People and hazards, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"cover\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-time=\"latest\" data-wm-op=\"0.7\" data-wm-short=\"Land cover\" data-wm-prov=\"NASA LP DAAC\" data-wm-kind=\"Satellite classification; latest year GIBS publishes\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land cover type (IGBP), yearly<\/span><span class=\"nx-wm-layer-src\">NASA LP DAAC MODIS Terra and Aqua land cover (MCD12Q1) \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"cover\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For bank governance, in GRA's spatial-finance reading, the map opens on population density and night lights with built-up and settlement extent from NASA GIBS, framed on Western Europe; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.land\">MODIS land products (vegetation indices, gross primary production, land cover), NASA LP DAAC and LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Land cover type (IGBP), yearly: MODIS Terra and Aqua land cover (MCD12Q1), NASA LP DAAC \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/bank-governance\/#map\" data-nxf-title=\"Banking Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><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\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Capital and liquidity console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values 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 placeholder 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 governance \u00b7 Bank B \u00b7 Reporting date Q1<\/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'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 0 460 128\" width=\"460\" height=\"128\" 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=\"124\" y=\"19\" text-anchor=\"end\">CET1<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"pos\" x=\"132\" y=\"4\" width=\"131.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"269.5\" y=\"19\">13 pct \u00b7 req 10.5<\/text><rect data-m=\"hit\" x=\"0\" y=\"0\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"124\" y=\"49\" text-anchor=\"end\">Tier 1<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"pos\" x=\"132\" y=\"34\" width=\"161.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"299.5\" y=\"49\">15.5 pct \u00b7 req 12<\/text><rect data-m=\"hit\" x=\"0\" y=\"30\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"124\" y=\"79\" text-anchor=\"end\">Total capital<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"pos\" x=\"132\" y=\"64\" width=\"180.6\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"318.6\" y=\"79\">17 pct \u00b7 req 14.5<\/text><rect data-m=\"hit\" x=\"0\" y=\"60\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"124\" y=\"109\" text-anchor=\"end\">Leverage<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"pos\" x=\"132\" y=\"94\" width=\"58.6\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"196.6\" y=\"109\">6 pct \u00b7 req 3.25<\/text><rect data-m=\"hit\" x=\"0\" y=\"90\" width=\"460\" height=\"30\"\/><\/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 0 460 98\" width=\"460\" height=\"98\" 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=\"124\" y=\"19\" text-anchor=\"end\">LCR<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"pos\" x=\"132\" y=\"4\" width=\"169.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"307.5\" y=\"19\">163 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"0\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"124\" y=\"49\" text-anchor=\"end\">NSFR<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"warn\" x=\"132\" y=\"34\" width=\"113.8\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"251.8\" y=\"49\">109 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"30\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"124\" y=\"79\" text-anchor=\"end\">Survival horizon<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"pos\" x=\"132\" y=\"64\" width=\"89.9\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"227.9\" y=\"79\">86 days \u00b7 req 30<\/text><rect data-m=\"hit\" x=\"0\" y=\"60\" width=\"460\" height=\"30\"\/><\/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's structure, terms and states for Bank governance.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><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\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Bank governance: how the risk develops.<\/h2><p class=\"nx-lede\">Boards, risk culture and controls. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Board oversight sets the frame<\/h3><p class=\"nx-p nx-mt-1\">The board approves strategy, risk appetite and senior appointments. Without the expertise and information to challenge management, it cannot see when risk-taking drifts beyond the appetite it set.<\/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=\"M11 15h2a2 2 0 1 0 0-4h-3c-.6 0-1.1.2-1.4.6L3 17\"\/><path d=\"m7 21 1.6-1.4c.3-.4.8-.6 1.4-.6h4c1.1 0 2.1-.4 2.8-1.2l4.6-4.4a2 2 0 0 0-2.75-2.91l-4.2 3.9\"\/><path d=\"m2 16 6 6\"\/><circle cx=\"16\" cy=\"9\" r=\"2.9\"\/><circle cx=\"6\" cy=\"5\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Incentives shape behaviour<\/h3><p class=\"nx-p nx-mt-1\">Remuneration tied to short-term revenue encourages risk-taking whose costs appear later. Deferral, malus and clawback aim to align pay with the risk outcome as it is realised.<\/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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Control functions need standing<\/h3><p class=\"nx-p nx-mt-1\">Risk management, compliance and internal audit form the second and third lines of defence. Their effectiveness depends on independence, resources, data and direct access to the board.<\/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=\"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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Culture spreads or contains risk<\/h3><p class=\"nx-p nx-mt-1\">Norms about speaking up, escalating problems and respecting limits decide whether small breaches are corrected or accumulate. Weak risk culture often precedes misconduct and large losses.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><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\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Three lines of defence<\/td><td data-label=\"Definition\">A model separating business units, risk and compliance functions, and internal audit in a bank's control system.<\/td><\/tr><tr><td data-label=\"Term\">BCBS 239<\/td><td data-label=\"Definition\">The Basel Committee principles for effective risk data aggregation and risk reporting.<\/td><\/tr><tr><td data-label=\"Term\">Malus and clawback<\/td><td data-label=\"Definition\">Arrangements that reduce or recover variable pay when risks or misconduct come to light.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-7\"><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\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Board members with banking or risk expertise<\/td><td data-label=\"Unit\">share of board<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Governance disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Independent directors<\/td><td data-label=\"Unit\">share of board<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Governance disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Risk appetite limit breaches<\/td><td data-label=\"Unit\">count by severity<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Risk reporting to the board<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Variable remuneration subject to deferral<\/td><td data-label=\"Unit\">percent of variable pay<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Remuneration disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Internal audit findings past due date<\/td><td data-label=\"Unit\">count by rating<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Internal audit reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Supervisory assessment of internal governance<\/td><td data-label=\"Unit\">SREP score for internal governance and risk management<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory review<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Conduct and misconduct costs<\/td><td data-label=\"Unit\">currency units<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Financial statements and enforcement records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/bank-governance\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><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\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Bank governance as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a02-topics-bank-governance-deliberation-t nx-dag-a02-topics-bank-governance-deliberation-d\" data-nx-z=\"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\"><title id=\"nx-dag-a02-topics-bank-governance-deliberation-t\">Bank governance: deliberation to decision<\/title><desc id=\"nx-dag-a02-topics-bank-governance-deliberation-d\">A question is framed with its owner, an independent evidence brief is prepared, positions are heard, options with trade-offs are drafted, a recommendation is made with reasons and the mandate holder decides; follow-up is tracked. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-9\"><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\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">BCBS Corporate governance principles for banks<\/td><td data-label=\"What it gives\">Standards for boards, risk governance, compliance, audit and remuneration<\/td><td data-label=\"Licence class\">Free, BIS terms of use<\/td><\/tr><tr><td data-label=\"Source\">EBA Guidelines on internal governance and on SREP<\/td><td data-label=\"What it gives\">Supervisory expectations and assessment methodology for governance<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">ECB supervisory priorities and aggregate SREP results<\/td><td data-label=\"What it gives\">Thematic findings on governance and risk data aggregation<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">FSB guidance on supervisory interaction with financial institutions on risk culture<\/td><td data-label=\"What it gives\">Indicators supervisors use to assess risk culture<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">Bank annual reports and Pillar 3 remuneration disclosures<\/td><td data-label=\"What it gives\">Board composition, remuneration and risk governance arrangements<\/td><td data-label=\"Licence class\">Public, bank terms<\/td><\/tr><tr><td data-label=\"Source\">Supervisory enforcement records<\/td><td data-label=\"What it gives\">Published sanctions for governance and conduct failures<\/td><td data-label=\"Licence class\">Public, authority terms<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/bank-governance\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-10\"><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\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Banking Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Bank board and nomination committee<\/td><td data-label=\"The question\">Whether board skills, independence and information are adequate for the bank's risk profile<\/td><td data-label=\"Evidence this page serves\">Board effectiveness reviews, skills matrices and risk reports<\/td><\/tr><tr><td data-label=\"Who decides\">Board remuneration committee<\/td><td data-label=\"The question\">How to structure variable pay, deferral and malus to reflect risk<\/td><td data-label=\"Evidence this page serves\">Risk-adjusted performance, conduct outcomes and regulatory requirements<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisor<\/td><td data-label=\"The question\">Whether governance weaknesses warrant Pillar 2 measures, fit and proper action or restrictions<\/td><td data-label=\"Evidence this page serves\">SREP governance assessment and inspection findings<\/td><\/tr><tr><td data-label=\"Who decides\">Resolution authority<\/td><td data-label=\"The question\">Whether a bank is resolvable and which impediments it must remove<\/td><td data-label=\"Evidence this page serves\">Resolution plans, recovery plan quality and operational continuity arrangements<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guides to board risk oversight, risk appetite and risk reporting<\/li><li>Research on remuneration, culture and risk outcomes using public records<\/li><li>Case studies of governance failures drawn from public inquiries and supervisory reports<\/li><li>Explainers on recovery and resolution planning<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-11\"><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\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Shared questions the industry asks.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Do boards understand the risks?<\/h3><p class=\"nx-p nx-mt-1\">Whether directors have the expertise and information to challenge management.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Do incentives align with prudence?<\/h3><p class=\"nx-p nx-mt-1\">How remuneration and performance measures affect risk-taking.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Do controls work?<\/h3><p class=\"nx-p nx-mt-1\">Whether risk management, compliance and internal audit are independent and effective.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">How do new risks reach the board?<\/h3><p class=\"nx-p nx-mt-1\">How climate, cyber, AI and third-party risks are brought into governance.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-12\"><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\">Mechanisms<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How the risk arises and transmits.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">The three lines model separates business units that own risk, risk and compliance functions that oversee it, and internal audit that provides independent assurance. Its effectiveness depends on the authority and independence of the second and third lines.<\/p><p class=\"nx-p\">Incentives shape behaviour. Remuneration tied to short-term revenue can encourage risks whose costs appear later. Deferral, clawback and risk adjustment aim to align pay with long-term outcomes.<\/p><p class=\"nx-p\">Risk culture is the set of norms that determine whether people raise concerns and whether leaders listen. Failures often follow cultures where challenge was unwelcome.<\/p><p class=\"nx-p\">Board composition matters. Directors with relevant expertise and independence from management are better placed to challenge strategy and risk appetite.<\/p><p class=\"nx-p\">Emerging risks test governance. Boards must understand technology, climate and third-party dependencies that did not feature in traditional banking expertise, and decide how much reliance to place on management information they cannot easily verify themselves.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\"><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\">Methods and limits<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How evidence is gathered, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Method or data<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Its limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method or data\">Governance reviews<\/td><td data-label=\"What it shows\">Structures and practices<\/td><td data-label=\"Its limit\">Form may differ from substance<\/td><\/tr><tr><td data-label=\"Method or data\">Culture surveys<\/td><td data-label=\"What it shows\">Attitudes to risk and speaking up<\/td><td data-label=\"Its limit\">Social desirability bias<\/td><\/tr><tr><td data-label=\"Method or data\">Failure case studies<\/td><td data-label=\"What it shows\">Governance causes of past failures<\/td><td data-label=\"Its limit\">Hindsight bias<\/td><\/tr><tr><td data-label=\"Method or data\">Comparative research<\/td><td data-label=\"What it shows\">Governance and outcomes across banks<\/td><td data-label=\"Its limit\">Causality hard to establish<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><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\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Macro-financial stress scenarios \u00b7 Credit cycle and buffer calibration<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Estimating default and loss parameters \u00b7 Operational loss modelling<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Credit decisioning with explainability \u00b7 Early warning and transaction monitoring<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Governance is observed mostly through disclosures written by the bank itself, and form can differ from substance. Culture is hard to measure, and survey-based measures can be gamed. Supervisory scores are confidential in most jurisdictions. The link between governance indicators and outcomes often becomes visible only after a failure. Banking Nexus describes governance practice and supervisory expectations; it does not assess individual boards, executives or institutions.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><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\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What are the three lines of defence?<\/summary><div class=\"nx-answer\">Business lines own and manage risk, independent risk and compliance functions oversee and challenge them, and internal audit gives independent assurance to the board.<\/div><\/details><details><summary>What does BCBS 239 cover?<\/summary><div class=\"nx-answer\">The Basel Committee principles for effective risk data aggregation and risk reporting, so that boards and management receive complete, accurate and timely risk information, including in stress.<\/div><\/details><details><summary>How does resolution planning relate to governance?<\/summary><div class=\"nx-answer\">Recovery plans, owned by the bank, set out what management would do in severe stress. Resolution plans, owned by authorities, set out how the bank could fail without disrupting critical functions or relying on public funds.<\/div><\/details><details><summary>Does GRA review any bank's board?<\/summary><div class=\"nx-answer\">No. It reviews no institution's governance. It researches governance practices and their effects.<\/div><\/details><details><summary>What is risk culture?<\/summary><div class=\"nx-answer\">The shared norms that shape whether people take, discuss and escalate risk appropriately.<\/div><\/details><details><summary>Why include emerging risks?<\/summary><div class=\"nx-answer\">Because boards must oversee risks, such as cyber and climate, that require expertise beyond traditional banking.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Banking Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/credit-and-counterparty-risk\/\">Credit and counterparty risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/capital-and-liquidity\/\">Capital and liquidity <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-operational-resilience\/\">Bank operational resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/climate-and-nature-bank-risk\/\">Climate and nature risk in banking <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/payment-dependencies\/\">Payment dependencies <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/model-and-ai-risk\/\">Model and AI risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/\">Banking Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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=\"mailto:contact@globalriskalliance.com?subject=Banking%20Nexus%3A%20Bank%20governance\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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><\/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\/topics\/bank-governance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-governance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What are the three lines of defence?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Business lines own and manage risk, independent risk and compliance functions oversee and challenge them, and internal audit gives independent assurance to the board.\"}},{\"@type\":\"Question\",\"name\":\"What does BCBS 239 cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Basel Committee principles for effective risk data aggregation and risk reporting, so that boards and management receive complete, accurate and timely risk information, including in stress.\"}},{\"@type\":\"Question\",\"name\":\"How does resolution planning relate to governance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Recovery plans, owned by the bank, set out what management would do in severe stress. 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