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\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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-np99lx4h.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-np99lx4h.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-np99lx4h.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-np99lx4h.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-np99lx4h.nxe :where(ul,ol){padding-left:20px}#nxe-np99lx4h.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-np99lx4h.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-np99lx4h.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-np99lx4h.nxe svg{display:none}#nxe-np99lx4h.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-np99lx4h.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-np99lx4h.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 banking-and-real-economy<\/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\">Banking and the real economy<\/h1><p class=\"nx-tagline\">Banks turn deposits into loans for households, small and medium enterprises and the providers of essential services. When banks are under stress they tighten credit, and when borrowers are under stress banks take losses, so each feeds the other. This page explains how bank conditions transmit to the real economy and back, which measures track that link, and who decides how to keep credit flowing without building new fragility.<\/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\">Banking and the real economy: 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>A loan book under scenario families<\/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>Banking and the real economy: how\u2026<\/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 credit supply is the volume and terms on which banks lend to households, small firms and providers of essential services. When banks are under stress they tighten credit, and when borrowers are under stress banks take losses, so each feeds the other; the credit-to-GDP gap and lending surveys track the cycle.<\/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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">A loan book under scenario families.<\/h2><p class=\"nx-lede\">How physical and transition risk 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: Mapzen Terrain Tiles | design values; NGFS names as labels only\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | 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-z=\"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\"><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 class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/banking-and-real-economy\/#map\" data-nxf-title=\"Banking Nexus live map\" data-nxf-height=\"560\" hidden><\/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\">Banking and the real economy \u00b7 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'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=\"146.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"284.5\" y=\"19\">14 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=\"173\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"311\" y=\"49\">16.6 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=\"201.1\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"339.1\" y=\"79\">19 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=\"66.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"204.5\" 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=\"129.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"267.5\" y=\"19\">125 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=\"pos\" x=\"132\" y=\"34\" width=\"129.8\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"267.8\" y=\"49\">125 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=\"84.9\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"222.9\" y=\"79\">82 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 Banking and the real economy.<\/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\" data-variant=\"band\" 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\">Banking and the real economy: how the risk develops.<\/h2><p class=\"nx-lede\">Households, SMEs and essential systems. 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\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Credit supply tightens<\/h3><p class=\"nx-p nx-mt-1\">When capital or funding is scarce, banks raise lending standards and margins, cut credit lines and favour safer borrowers. Small firms and lower-income households, with fewer alternatives, feel it first.<\/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=\"3\"\/><circle cx=\"19\" cy=\"5\" r=\"2\"\/><circle cx=\"5\" cy=\"19\" r=\"2\"\/><path d=\"M10.4 21.9a10 10 0 0 0 9.941-15.416\"\/><path d=\"M13.5 2.1a10 10 0 0 0-9.841 15.416\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Borrower stress feeds back<\/h3><p class=\"nx-p nx-mt-1\">Higher rates, unemployment or falling incomes raise arrears. Bank losses then reduce capital and lending further, a loop that deepens downturns and sits at the centre of macroprudential policy.<\/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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Banks and sovereigns are linked<\/h3><p class=\"nx-p nx-mt-1\">Banks hold government bonds and benefit from implicit public support, while governments rely on banks to buy their debt. Stress in one can pass to the other, as past euro area episodes showed.<\/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=\"M4.9 16.1C1 12.2 1 5.8 4.9 1.9\"\/><path d=\"M7.8 4.7a6.14 6.14 0 0 0-.8 7.5\"\/><circle cx=\"12\" cy=\"9\" r=\"2\"\/><path d=\"M16.2 4.8c2 2 2.26 5.11.8 7.47\"\/><path d=\"M19.1 1.9a9.96 9.96 0 0 1 0 14.1\"\/><path d=\"M9.5 18h5\"\/><path d=\"m8 22 4-11 4 11\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Essential services depend on credit<\/h3><p class=\"nx-p nx-mt-1\">Utilities, hospitals, food supply chains and local governments need working capital and investment finance. A withdrawal of credit can turn financial stress into disruption of services people rely on.<\/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\">Credit-to-GDP gap<\/td><td data-label=\"Definition\">The deviation of the credit-to-GDP ratio from its long-term trend, used to guide the countercyclical capital buffer.<\/td><\/tr><tr><td data-label=\"Term\">Credit crunch<\/td><td data-label=\"Definition\">A sharp reduction in credit availability not explained by a fall in demand or creditworthiness.<\/td><\/tr><tr><td data-label=\"Term\">Debt service ratio<\/td><td data-label=\"Definition\">Interest and principal payments relative to income.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">Credit-to-GDP gap<\/td><td data-label=\"Unit\">percentage points<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">BIS credit statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Credit standards on loans to enterprises<\/td><td data-label=\"Unit\">net percentage of banks reporting tightening<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Bank lending surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">SME loan application rejection rate<\/td><td data-label=\"Unit\">percent of applications<\/td><td data-label=\"Cadence\">semi-annual<\/td><td data-label=\"Source type\">Firm surveys on access to finance<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Household debt service ratio<\/td><td data-label=\"Unit\">percent of disposable income<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">BIS debt service statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Interest rate spread between small and large loans<\/td><td data-label=\"Unit\">percentage points<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Central bank interest rate statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Bank holdings of domestic sovereign debt<\/td><td data-label=\"Unit\">percent of total assets<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory and monetary statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Account ownership<\/td><td data-label=\"Unit\">percent of adults<\/td><td data-label=\"Cadence\">triennial<\/td><td data-label=\"Source type\">Global Findex survey<\/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\/banking-and-real-economy\/#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 Banking and the real economy 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-banking-and-real-economy-capit-t nx-dag-a02-topics-banking-and-real-economy-capit-d\" 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\/Aw==\"><title id=\"nx-dag-a02-topics-banking-and-real-economy-capit-t\">Banking and the real economy: capital adequacy assessment<\/title><desc id=\"nx-dag-a02-topics-banking-and-real-economy-capit-d\">Exposures are aggregated and weighted; the capital stack and buffers are set against requirements; stress scenarios test the ratio; the internal assessment (ICAAP or ORSA) goes to the board and the supervisor. 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=\"band\" 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\">BIS total credit and credit-to-GDP gap statistics<\/td><td data-label=\"What it gives\">Credit to the private non-financial sector and its deviation from trend<\/td><td data-label=\"Licence class\">Free, BIS terms of use<\/td><\/tr><tr><td data-label=\"Source\">BIS debt service ratios<\/td><td data-label=\"What it gives\">Household and corporate debt service burdens across countries<\/td><td data-label=\"Licence class\">Free, BIS terms of use<\/td><\/tr><tr><td data-label=\"Source\">ECB Bank Lending Survey and Survey on the Access to Finance of Enterprises<\/td><td data-label=\"What it gives\">Bank credit standards and firms' access to finance in the euro area<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">Federal Reserve Senior Loan Officer Opinion Survey<\/td><td data-label=\"What it gives\">Changes in US bank lending standards and loan demand<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">World Bank Global Financial Development Database<\/td><td data-label=\"What it gives\">Depth, access, efficiency and stability measures of financial systems<\/td><td data-label=\"Licence class\">Free, CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">World Bank Global Findex Database<\/td><td data-label=\"What it gives\">Account ownership, borrowing and financial resilience of adults<\/td><td data-label=\"Licence class\">Free, CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">IMF Global Financial Stability Report<\/td><td data-label=\"What it gives\">Assessment of macro-financial vulnerabilities and growth-at-risk<\/td><td data-label=\"Licence class\">Free, IMF terms of use<\/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\/banking-and-real-economy\/#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\" data-variant=\"inset\" 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\">Macroprudential authority or financial policy committee<\/td><td data-label=\"The question\">Whether to set or release capital buffers and borrower-based measures<\/td><td data-label=\"Evidence this page serves\">Credit gaps, debt service ratios and lending surveys<\/td><\/tr><tr><td data-label=\"Who decides\">Central bank monetary policy committee<\/td><td data-label=\"The question\">How bank lending conditions affect the transmission of policy rates<\/td><td data-label=\"Evidence this page serves\">Lending standards, spreads and credit growth<\/td><\/tr><tr><td data-label=\"Who decides\">Bank board and business line heads<\/td><td data-label=\"The question\">How to balance credit risk appetite with continued lending to viable firms and households under stress<\/td><td data-label=\"Evidence this page serves\">Arrears trends, borrower affordability and sector outlooks<\/td><\/tr><tr><td data-label=\"Who decides\">Finance ministry and public development banks<\/td><td data-label=\"The question\">Whether guarantee schemes or targeted lending programmes are justified<\/td><td data-label=\"Evidence this page serves\">SME access gaps, rejection rates and programme evaluations<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Explainers on credit transmission from banks to households and small firms<\/li><li>Research on bank lending to essential service providers and their financial dependencies<\/li><li>Indicator guides linking lending surveys, credit gaps and debt service measures<\/li><li>Sector briefings on credit conditions, with evidence labels<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">Who depends most on bank credit?<\/h3><p class=\"nx-p nx-mt-1\">Which households and firms lack alternatives to bank finance.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">How do credit conditions affect recovery?<\/h3><p class=\"nx-p nx-mt-1\">How access to credit after shocks shapes recovery of households and firms.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">What do essential systems need?<\/h3><p class=\"nx-p nx-mt-1\">How utilities, health providers and food systems depend on bank finance and payments.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">How do shocks feed back?<\/h3><p class=\"nx-p nx-mt-1\">How real-economy losses return to banks as credit losses.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" 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\">SMEs and households rely heavily on banks. Unlike large firms, they cannot easily issue bonds, so a contraction in bank lending hits them hardest and can turn a temporary shock into closures and job losses.<\/p><p class=\"nx-p\">Recovery needs credit. After disasters or downturns, firms and households borrow to rebuild and bridge income gaps. If banks retreat, recovery is slower and more unequal.<\/p><p class=\"nx-p\">Essential systems depend on finance. Utilities, hospitals and food supply chains need working capital, investment finance and reliable payments to keep operating through stress.<\/p><p class=\"nx-p\">Feedback loops link banks and economies. Weaker economies raise defaults, defaults reduce bank capital, lower capital reduces lending and weaker lending weakens the economy.<\/p><p class=\"nx-p\">Public support schemes, such as credit lines and loan programmes, can break the loop in crises, but their design determines who benefits and what risks remain with banks and the state.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" 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\">Credit surveys<\/td><td data-label=\"What it shows\">Lending conditions and demand<\/td><td data-label=\"Its limit\">Perceptions may differ from outcomes<\/td><\/tr><tr><td data-label=\"Method or data\">Firm and household data<\/td><td data-label=\"What it shows\">Access to and use of credit<\/td><td data-label=\"Its limit\">Survey frequency and coverage<\/td><\/tr><tr><td data-label=\"Method or data\">Macro-financial models<\/td><td data-label=\"What it shows\">Feedback between banks and economy<\/td><td data-label=\"Its limit\">Simplify behaviour<\/td><\/tr><tr><td data-label=\"Method or data\">Post-shock studies<\/td><td data-label=\"What it shows\">Recovery paths by borrower type<\/td><td data-label=\"Its limit\">Hard to separate credit from other effects<\/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\/network-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Network science and contagion<\/span><span class=\"nx-mledger-role\">Interbank and counterparty contagion \u00b7 Overlapping portfolios and fire sales<\/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\/network-science\/\" aria-label=\"Network science and contagion: 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\">04<\/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\">Separating weaker credit supply from weaker loan demand is difficult, and survey answers are qualitative. Credit gaps behave poorly at turning points and in fast-growing economies. Informal and non-bank lending are poorly measured in many countries. Linking bank data to essential service providers relies on incomplete public information. Banking Nexus explains these links; it does not give credit, policy or financial advice.<\/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 is the credit-to-GDP gap?<\/summary><div class=\"nx-answer\">The deviation of the ratio of private credit to GDP from its long-run trend. The Basel framework uses it as a common reference guide for the countercyclical capital buffer, alongside judgement.<\/div><\/details><details><summary>Why do small firms feel credit tightening first?<\/summary><div class=\"nx-answer\">They have fewer alternative funding sources, less collateral and less public information, so banks ration credit to them more readily when conditions tighten.<\/div><\/details><details><summary>What is the bank-sovereign loop?<\/summary><div class=\"nx-answer\">A mutual dependence between banks and their government. Weak public finances hurt banks that hold government debt, and bank rescues in turn weaken public finances.<\/div><\/details><details><summary>Does GRA help firms obtain loans?<\/summary><div class=\"nx-answer\">No. It arranges no finance and introduces no borrowers to lenders. It researches how credit and the real economy interact.<\/div><\/details><details><summary>Why focus on SMEs?<\/summary><div class=\"nx-answer\">Because they depend most on bank credit and employ many people, so credit contractions affect them first.<\/div><\/details><details><summary>Are essential services treated differently?<\/summary><div class=\"nx-answer\">Research examines their specific dependence on finance and payments, because their disruption affects everyone.<\/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%20Banking%20and%20the%20real%20economy\">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\/banking-and-real-economy\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the credit-to-GDP gap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The deviation of the ratio of private credit to GDP from its long-run trend. The Basel framework uses it as a common reference guide for the countercyclical capital buffer, alongside judgement.\"}},{\"@type\":\"Question\",\"name\":\"Why do small firms feel credit tightening first?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"They have fewer alternative funding sources, less collateral and less public information, so banks ration credit to them more readily when conditions tighten.\"}},{\"@type\":\"Question\",\"name\":\"What is the bank-sovereign loop?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A mutual dependence between banks and their government. Weak public finances hurt banks that hold government debt, and bank rescues in turn weaken public finances.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA help firms obtain loans?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It arranges no finance and introduces no borrowers to lenders. It researches how credit and the real economy interact.\"}},{\"@type\":\"Question\",\"name\":\"Why focus on SMEs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because they depend most on bank credit and employ many people, so credit contractions affect them first.\"}},{\"@type\":\"Question\",\"name\":\"Are essential services treated differently?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Research examines their specific dependence on finance and payments, because their disruption affects everyone.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/#terms\",\"name\":\"Key terms: Banking and the real economy\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Credit-to-GDP gap\",\"description\":\"The deviation of the credit-to-GDP ratio from its long-term trend, used to guide the countercyclical capital buffer.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Credit crunch\",\"description\":\"A sharp reduction in credit availability not explained by a fall in demand or creditworthiness.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Debt service ratio\",\"description\":\"Interest and principal payments relative to income.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/#terms\"}}]}]}<\/script>\n\n<!-- nx-rev:7f84a60ffa98569f -->\n<!-- nx-path:\/topics\/banking-and-real-economy\/ -->","protected":false},"excerpt":{"rendered":"<p>LightDarkAuto A02 \u00b7 TOPIC \u00b7 banking-and-real-economyGRA dossier \u00b7 service level R0 GRA\u00b7Banking Nexus\u00b7Established Topic dossier \u00b7 Banking Nexus Banking and the real economy Banks turn deposits into loans for households, &hellip; <a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Banking and the real economy&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1821,"menu_order":289,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","inline_featured_image":false,"footnotes":""},"class_list":["post-1845","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/1845","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/comments?post=1845"}],"version-history":[{"count":2,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/1845\/revisions"}],"predecessor-version":[{"id":2012,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/1845\/revisions\/2012"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/pages\/1821"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/banking-nexus\/wp-json\/wp\/v2\/media?parent=1845"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}