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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-nl5adtlu.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-nl5adtlu.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-nl5adtlu.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-nl5adtlu.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-nl5adtlu.nxe :where(ul,ol){padding-left:20px}#nxe-nl5adtlu.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-nl5adtlu.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-nl5adtlu.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-nl5adtlu.nxe svg{display:none}#nxe-nl5adtlu.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-nl5adtlu.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nl5adtlu.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 credit-and-counterparty-risk<\/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\">Credit and counterparty risk<\/h1><p class=\"nx-tagline\">Credit risk is the chance that a borrower or counterparty fails to pay in full and on time, and it remains the main source of loss for most banks. This page sets out how credit quality deteriorates, how losses concentrate in sectors, regions and single names, and how counterparty exposures in derivatives and securities financing pass stress from one institution to another. It names the measures risk committees and supervisors use and the limits of each.<\/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\">Credit and counterparty risk: 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>Credit and counterparty risk: 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\">Credit risk is the chance that a borrower or counterparty fails to pay in full and on time, and it is the main source of loss for most banks. Quality erodes before default, losses concentrate in sectors, regions and single names, and counterparty exposure on derivatives moves with markets.<\/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\/credit-and-counterparty-risk\/#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\">Credit and counterparty risk \u00b7 Bank B \u00b7 Reporting date Q3<\/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=\"128.8\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"266.8\" y=\"19\">12 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=\"warn\" x=\"132\" y=\"34\" width=\"130.6\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"268.6\" y=\"49\">12.6 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=\"warn\" x=\"132\" y=\"64\" width=\"172.1\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"310.1\" 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=\"57.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"195.5\" 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=\"151.3\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"289.3\" y=\"19\">145 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=\"127.8\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"265.8\" y=\"49\">123 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=\"61.5\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"199.5\" y=\"79\">59 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 Credit and counterparty risk.<\/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\">Credit and counterparty risk: how the risk develops.<\/h2><p class=\"nx-lede\">Credit quality, concentration and contagion. 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=\"M5 22h14\"\/><path d=\"M5 2h14\"\/><path d=\"M17 22v-4.172a2 2 0 0 0-.586-1.414L12 12l-4.414 4.414A2 2 0 0 0 7 17.828V22\"\/><path d=\"M7 2v4.172a2 2 0 0 0 .586 1.414L12 12l4.414-4.414A2 2 0 0 0 17 6.172V2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Quality erodes before default<\/h3><p class=\"nx-p nx-mt-1\">Arrears, covenant breaches, rating downgrades and forbearance usually precede default by several quarters. Under IFRS 9 a significant increase in credit risk moves a loan from a twelve-month to a lifetime loss allowance, so provisions rise before losses are 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=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Losses concentrate<\/h3><p class=\"nx-p nx-mt-1\">Exposures cluster in sectors, regions, collateral types and large single names. A shock to one segment, such as commercial property or an export industry, can drive losses well beyond what a diversified portfolio model implies.<\/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=\"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\">Counterparty exposure moves with markets<\/h3><p class=\"nx-p nx-mt-1\">In derivatives and securities financing the amount owed changes with prices. Wrong-way risk arises when exposure grows just as the counterparty weakens, and margin calls in volatile markets can drain liquidity at the same moment.<\/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=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Defaults propagate<\/h3><p class=\"nx-p nx-mt-1\">A large counterparty failure imposes losses on creditors, freezes collateral and triggers close-out across many contracts. Uncertainty about who holds the exposure can lead lenders to withdraw from sound institutions as well.<\/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\">Non-performing loan<\/td><td data-label=\"Definition\">A loan ninety days or more past due, or unlikely to be repaid in full without collateral.<\/td><\/tr><tr><td data-label=\"Term\">IFRS 9 stage 2<\/td><td data-label=\"Definition\">Loans whose credit risk has increased significantly since origination, provisioned for lifetime expected loss.<\/td><\/tr><tr><td data-label=\"Term\">Wrong-way risk<\/td><td data-label=\"Definition\">Exposure to a counterparty that rises as the counterparty's credit quality falls.<\/td><\/tr><tr><td data-label=\"Term\">Loss given default<\/td><td data-label=\"Definition\">The share of an exposure lost if the borrower defaults, after recoveries.<\/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\">Non-performing loan ratio<\/td><td data-label=\"Unit\">percent of gross loans<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory returns, Pillar 3 disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Stage 2 and stage 3 loan share<\/td><td data-label=\"Unit\">percent of gross loans<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">IFRS 9 financial statements<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Coverage ratio of non-performing loans<\/td><td data-label=\"Unit\">percent of non-performing loans provisioned<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Probability of default by rating grade<\/td><td data-label=\"Unit\">percent over one year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Internal ratings-based models<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Loss given default<\/td><td data-label=\"Unit\">percent of exposure at default<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Workout and recovery data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Large exposures to single counterparties<\/td><td data-label=\"Unit\">percent of Tier 1 capital<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Large exposures reporting<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Sectoral concentration index<\/td><td data-label=\"Unit\">Herfindahl index of exposures by sector<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Credit registers, supervisory returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Potential future exposure on derivatives<\/td><td data-label=\"Unit\">currency units at a stated confidence level<\/td><td data-label=\"Cadence\">daily<\/td><td data-label=\"Source type\">Counterparty credit risk models<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/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\/credit-and-counterparty-risk\/#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 Credit and counterparty risk 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-credit-and-counterparty-risk-n-t nx-dag-a02-topics-credit-and-counterparty-risk-n-d\" data-nx-z=\"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\"><title id=\"nx-dag-a02-topics-credit-and-counterparty-risk-n-t\">Credit and counterparty risk: climate scenario analysis pipeline<\/title><desc id=\"nx-dag-a02-topics-credit-and-counterparty-risk-n-d\">Orderly, disorderly and hot house scenarios supply pathways for carbon prices and macro variables; transition and physical channels change sector and asset outcomes; credit parameters and portfolio losses follow, and results are disclosed with their limits. 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\" 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\">IMF Financial Soundness Indicators<\/td><td data-label=\"What it gives\">Non-performing loans, provisioning and sectoral loan distribution reported by national authorities<\/td><td data-label=\"Licence class\">Free, IMF terms of use<\/td><\/tr><tr><td data-label=\"Source\">EBA risk dashboard and EU-wide transparency exercise<\/td><td data-label=\"What it gives\">Bank-level asset quality, forbearance and IFRS 9 stage data for EU banks<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">ECB Supervisory Banking Statistics<\/td><td data-label=\"What it gives\">Asset quality and credit risk aggregates for significant institutions in the euro area<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">FFIEC Call Reports and Federal Reserve FR Y-9C<\/td><td data-label=\"What it gives\">Loan categories, past-due and charge-off data for US banks and holding companies<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">BIS consolidated banking statistics<\/td><td data-label=\"What it gives\">Banks' foreign claims by counterparty country and sector on an ultimate-risk basis<\/td><td data-label=\"Licence class\">Free, BIS terms of use<\/td><\/tr><tr><td data-label=\"Source\">Rating agency default and recovery studies<\/td><td data-label=\"What it gives\">Historical default and recovery rates by rating grade and sector<\/td><td data-label=\"Licence class\">Licensed, subscription<\/td><\/tr><tr><td data-label=\"Source\">National central credit registers<\/td><td data-label=\"What it gives\">Borrower-level exposures for concentration and interconnection analysis<\/td><td data-label=\"Licence class\">Restricted, supervisory access<\/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\/credit-and-counterparty-risk\/#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\">Bank board and board risk committee<\/td><td data-label=\"The question\">What credit risk appetite to set, and which sector and single-name limits to impose<\/td><td data-label=\"Evidence this page serves\">Concentration measures, stage migration and stress losses by segment<\/td><\/tr><tr><td data-label=\"Who decides\">Chief risk officer and credit committee<\/td><td data-label=\"The question\">When to tighten underwriting, raise provisions or reduce exposure to a weakening sector<\/td><td data-label=\"Evidence this page serves\">Early warning indicators, rating migration and the assumptions of loss models<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisor<\/td><td data-label=\"The question\">Whether asset quality, provisioning and large exposures warrant supervisory action or a Pillar 2 add-on<\/td><td data-label=\"Evidence this page serves\">Peer comparison of non-performing loans, coverage and concentration<\/td><\/tr><tr><td data-label=\"Who decides\">Macroprudential authority<\/td><td data-label=\"The question\">Whether a sectoral systemic risk buffer or a borrower-based measure is needed<\/td><td data-label=\"Evidence this page serves\">System-wide concentration and interconnection measures<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Explainers on IFRS 9 staging, provisioning and concentration measures<\/li><li>Concentration and contagion maps of sector and counterparty exposures built from public aggregates<\/li><li>Comparisons of default and loss modelling approaches with their stated assumptions<\/li><li>Sector briefings on emerging credit stress, 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\">How do shocks become defaults?<\/h3><p class=\"nx-p nx-mt-1\">How income loss, collateral damage and refinancing difficulty translate into missed payments and losses.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Where do exposures concentrate?<\/h3><p class=\"nx-p nx-mt-1\">Common exposures to regions, sectors and large borrowers across many lenders.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">How does counterparty failure spread?<\/h3><p class=\"nx-p nx-mt-1\">How losses on derivatives, repo and interbank exposures pass between institutions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">How early can deterioration be seen?<\/h3><p class=\"nx-p nx-mt-1\">Which data signal credit migration before it appears in defaults.<\/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\">Credit losses depend on three elements: the likelihood of default, the exposure at default and the loss given default after recovering collateral. Shocks can move all three at once: a disaster raises defaults, draws on credit lines increase exposure and damaged collateral lowers recoveries.<\/p><p class=\"nx-p\">Defaults are correlated. Borrowers in the same region or sector are hit by the same shocks, so portfolio losses are lumpier than models assuming independence suggest. Correlations tend to rise in stress, precisely when diversification is most needed.<\/p><p class=\"nx-p\">Concentration amplifies. Large exposures to a single borrower group, or many banks lending to the same exposed sector, mean that one failure can cause large losses across the system.<\/p><p class=\"nx-p\">Counterparty risk links institutions directly. Margining and central clearing reduce it but create liquidity demands in stress, when collateral must be posted quickly.<\/p><p class=\"nx-p\">Credit cycles have their own dynamics. Lending standards loosen in good times and tighten in bad, amplifying economic swings.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">Loan-level data<\/td><td data-label=\"What it shows\">Borrower characteristics and performance<\/td><td data-label=\"Its limit\">Confidential; access limited and aggregated<\/td><\/tr><tr><td data-label=\"Method or data\">Credit scoring and rating models<\/td><td data-label=\"What it shows\">Relative default likelihood<\/td><td data-label=\"Its limit\">Calibrated on past conditions<\/td><\/tr><tr><td data-label=\"Method or data\">Portfolio models<\/td><td data-label=\"What it shows\">Loss distributions and concentration<\/td><td data-label=\"Its limit\">Sensitive to correlation assumptions<\/td><\/tr><tr><td data-label=\"Method or data\">Network analysis<\/td><td data-label=\"What it shows\">Interbank and counterparty linkages<\/td><td data-label=\"Its limit\">Exposure data often incomplete<\/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-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial and risk engineering<\/span><span class=\"nx-mledger-role\">Expected credit loss modelling \u00b7 Counterparty exposure and valuation adjustments<\/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\/engineering\/financial-engineering\/\" aria-label=\"Financial and risk engineering: 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\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/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\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">05<\/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\">Credit data arrive with a lag, and defaults cluster in downturns that short histories represent poorly. Forbearance and restructuring can delay the recognition of problem loans. Internal models give different results across banks for similar portfolios, and public data rarely reveal single-name or counterparty links. Banking Nexus describes how credit risk is measured and supervised; it does not rate borrowers, assess individual banks or give lending, investment 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 difference between credit risk and counterparty risk?<\/summary><div class=\"nx-answer\">Credit risk is the risk that a borrower fails to repay a loan or bond. Counterparty risk is credit risk on contracts whose value moves with markets, such as derivatives and repos, so the size of the exposure is itself uncertain.<\/div><\/details><details><summary>Why do provisions rise before defaults?<\/summary><div class=\"nx-answer\">IFRS 9 requires a lifetime expected loss allowance once credit risk has increased significantly since origination. Banks recognise deterioration early, using forward-looking information, rather than waiting for a loss event.<\/div><\/details><details><summary>What is wrong-way risk?<\/summary><div class=\"nx-answer\">Exposure to a counterparty that grows as that counterparty's credit quality falls, for example a derivative whose value to the bank rises when the counterparty's own sector is under stress.<\/div><\/details><details><summary>Does Banking Nexus assess individual banks or borrowers?<\/summary><div class=\"nx-answer\">No. It explains the measures, methods and evidence used across the industry. Credit decisions sit with banks, and supervisory judgements sit with the competent authorities.<\/div><\/details><details><summary>Does GRA rate borrowers or banks?<\/summary><div class=\"nx-answer\">No. GRA rates no borrower, bank or security. It researches credit risk mechanisms with aggregated data.<\/div><\/details><details><summary>Why do correlations matter so much?<\/summary><div class=\"nx-answer\">Because losses that occur together are far harder to absorb than the same losses spread over time.<\/div><\/details><details><summary>Can banks share loan data through GRA?<\/summary><div class=\"nx-answer\">Only aggregated data under the competition safeguards, so that no firm, borrower or price is identifiable.<\/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\/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\/topics\/banking-and-real-economy\/\">Banking and the real economy <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%20Credit%20and%20counterparty%20risk\">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\/credit-and-counterparty-risk\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/credit-and-counterparty-risk\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between credit risk and counterparty risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Credit risk is the risk that a borrower fails to repay a loan or bond. 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