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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n17xbhd8.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Banking Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Statistics for bank risk measurement<\/h1><p class=\"nx-scene-lede\">Probability and statistics underlie every credit, market and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 operational-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from inadequate or failed processes, people and systems, or from external events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">operational risk<\/a> measure in banking. Default probabilities, loss distributions, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 value-at-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The loss level that will not be exceeded with a given confidence over a given period.\" data-ts=\"NRS-C1\" data-tr=\"draft\">value at risk<\/a> and stress losses all rest on estimation from limited and often unrepresentative data, and the discipline makes the uncertainty in those estimates explicit for the people who rely on them.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/\">Back to STEM foundation of Banking Nexus<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Statistics for bank risk measurement on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Method record<\/strong><\/span><span class=\"nx-eyebrow\">STEM method<\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-k\">Method<\/span><span class=\"nx-register-v\">Probability and statistics<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Steward<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/systems-modelling\/\">Systems Science and Modelling<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Applied in<\/span><span class=\"nx-register-v\">Banking Nexus<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Data<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-data\">4 inputs<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Checks<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-checks\">4 validation steps<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Canonical page<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\">STEM Commons<\/a><\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"Application, Stress test, Data\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Application, Stress test, Data\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-application\" aria-selected=\"true\" data-key=\"p1\">Application<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Stress test<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-data\" aria-selected=\"false\" data-key=\"p3\">Data<\/button><\/div><section id=\"nx-sec-application\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Application<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What probability and statistics does here.<\/h2><p class=\"nx-lede\">Probability and statistics provide the mathematical framework for describing uncertainty and learning from data. They underpin estimation, testing and prediction in every risk discipline. In financial stability, capital markets and investment and climate and hazards, statistical methods quantify the likelihood and uncertainty of losses across interconnected <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>. They make the evidence behind risk decisions explicit and reproducible. The canonical description is on <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\">the STEM Commons<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cols\"><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.21 15.89A10 10 0 1 1 8 2.83\"\/><path d=\"M22 12A10 10 0 0 0 12 2v10z\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Estimating default and loss parameters<\/h3><p class=\"nx-p nx-mt-1\">Probability of default, loss given default and exposure at default are estimated from internal and external histories, with margins of conservatism where data are thin or do not cover a downturn.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"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><\/div><h3 class=\"nx-h3 nx-mt-2\">Operational loss modelling<\/h3><p class=\"nx-p nx-mt-1\">The frequency and severity of operational losses are modelled from internal, external and scenario data, with heavy tails treated explicitly rather than smoothed away.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Back-testing and calibration<\/h3><p class=\"nx-p nx-mt-1\">Predicted default rates and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 value-at-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The loss level that will not be exceeded with a given confidence over a given period.\" data-ts=\"NRS-C1\" data-tr=\"draft\">value at risk<\/a> are compared with outcomes using binomial and traffic-light tests, and calibration is reviewed when realised values diverge.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stress test<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">How a shock to assets becomes a system loss.<\/h2><p class=\"nx-lede\">The equity the system loses after interbank contagion, against the initial hit, as leverage, interconnection and recovery rates change, the core of a macroprudential <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 stress-test\" data-tk=\"Nexus risk vocabulary\" data-td=\"An assessment of how a system, portfolio or institution would perform under severe but plausible adverse scenarios, to find weaknesses before they are revealed by events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">stress test<\/a>. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-anking-nexus-stem-probability-statistics-0\" data-nxi=\"debtrank\" data-nxi-id=\"debtrank\" data-nxi-z=\"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\" aria-label=\"How a shock to assets becomes a system loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"net\">Network<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-anking-nexus-stem-probability-statistics-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Equity lost\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Fall in external assets<\/dt><dd>2.0%<\/dd><\/div><div><dt>Leverage (assets over equity)<\/dt><dd>10 times<\/dd><\/div><div><dt>Interbank share of assets<\/dt><dd>10%<\/dd><\/div><div><dt>Recovery on interbank claims<\/dt><dd>40%<\/dd><\/div><div><dt>Banks in the system<\/dt><dd>20<\/dd><\/div><div><dt>Core banks<\/dt><dd>20% of banks<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Equity lost to the initial shock<\/dt><dd>18.0%<\/dd><\/div><div><dt>Equity lost after contagion<\/dt><dd>45.0%<\/dd><\/div><div><dt>Added by contagion (DebtRank)<\/dt><dd>27.0 points<\/dd><\/div><div><dt>Banks in default<\/dt><dd>0<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Round<\/th><th scope=\"col\">System equity lost (%)<\/th><th scope=\"col\">Banks in default<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>18.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>28.80<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>35.28<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>39.17<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>41.50<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>42.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>43.74<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>44.24<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>44.55<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>44.73<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>44.84<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">11<\/th><td>44.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>44.94<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>44.96<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">14<\/th><td>44.98<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">16<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">17<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">19<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">20<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">21<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">22<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">23<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">25<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">26<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">27<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">28<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">29<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">30<\/th><td>45.00<\/td><td>0<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>DebtRank <span class=\"nx-in-cite\">Battiston and others (2012), Scientific Reports 2:541<\/span><\/li><li>Differential DebtRank <span class=\"nx-in-cite\">Bardoscia and others (2015), PLOS ONE 10<\/span><\/li><li>Contagion in financial networks <span class=\"nx-in-cite\">Gai and Kapadia (2010), Proc. R. Soc. A 466<\/span><\/li><li>Clearing in financial networks <span class=\"nx-in-cite\">Eisenberg and Noe (2001), Management Science 47<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">No observed data enters this model: it runs on the teaching values set by the controls, to be replaced with a programme&#8217;s own evidence.<\/p><\/div><\/details><figcaption class=\"nx-caption\">How a shock to assets becomes a system loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: DebtRank (Battiston and others (2012), Scientific Reports 2:541); Differential DebtRank (Bardoscia and others (2015), PLOS ONE 10); Contagion in financial networks (Gai and Kapadia (2010), Proc. R. Soc. A 466).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/\">Banking Nexus in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/universe\/\">Banking Nexus in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/reports\/\">Banking Nexus in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-sec-data\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"band\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Data<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">What the method consumes.<\/h2><p class=\"nx-lede\">Datasets and records used by probability and statistics on this platform, with the role each plays and the label its values carry. Sources are listed in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/research\/sources\/\">the source register<\/a>.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Data<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Data\">Internal default and recovery histories<\/td><td data-label=\"Role\">Parameter estimation<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Rating agency default studies<\/td><td data-label=\"Role\">External benchmark<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Operational loss databases<\/td><td data-label=\"Role\">Frequency and severity fitting<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Market price series<\/td><td data-label=\"Role\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 value-at-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The loss level that will not be exceeded with a given confidence over a given period.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Value at risk<\/a> and back-testing<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"data\" data-nxf-kind=\"data\" data-nxf-resource=\"nexus:\/\/gra\/A02\/stem\/probability-statistics\/#data\" data-nxf-title=\"Method record\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A02\/stem\/probability-statistics\/#evidence\" data-nxf-title=\"Evidence\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"finance\" aria-label=\"Exposure, loss and capital, Validation, Connections\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Exposure, loss and capital, Validation, Connections\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-audience\" aria-selected=\"true\" data-key=\"p1\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-checks\" aria-selected=\"false\" data-key=\"p2\">Validation<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-connections\" aria-selected=\"false\" data-key=\"p3\">Connections<\/button><\/div><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What statistics for bank risk measurement means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"1\"><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How statistics for bank risk measurement could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-checks\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Validation<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How results are checked.<\/h2><p class=\"nx-lede\">Results are checked through diagnostics, cross-validation and sensitivity to assumptions. Independent replication confirms findings.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Check<\/th><th scope=\"col\">How it is done<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Check\">Out-of-time validation<\/td><td data-label=\"How it is done\">Models are tested on periods not used in estimation, including a stressed period where one is available<\/td><\/tr><tr><td data-label=\"Check\">Low-default portfolio treatment<\/td><td data-label=\"How it is done\">Where defaults are rare, conservative estimators and expert overlays are documented and challenged<\/td><\/tr><tr><td data-label=\"Check\">Tail diagnostics<\/td><td data-label=\"How it is done\">Fitted distributions are checked in the tail, not only on average fit<\/td><\/tr><tr><td data-label=\"Check\">Sensitivity reporting<\/td><td data-label=\"How it is done\">Key parameter changes and their effect on capital and provisions are reported to decision-makers<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note nx-mt-3\">Inference depends on assumptions about independence, distribution and sampling that may not hold. Small or biased samples limit reliability.<\/p><\/div><\/div><\/section><section id=\"nx-sec-connections\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connections<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Topics that rely on this method.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/credit-and-counterparty-risk\/\"><span>Credit and counterparty risk<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/capital-and-liquidity\/\"><span>Capital and liquidity<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-operational-resilience\/\"><span>Bank operational resilience<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/climate-and-nature-bank-risk\/\"><span>Climate and nature risk in banking<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/payment-dependencies\/\"><span>Payment dependencies<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/model-and-ai-risk\/\"><span>Model and AI risk<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/banking-and-real-economy\/\"><span>Banking and the real economy<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/bank-governance\/\"><span>Bank governance<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-property-finance\/\"><span>Housing and property finance<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/islamic-banking\/\"><span>Islamic banking<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"climate\" aria-label=\"Stewardship, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Stewardship, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"true\" data-key=\"p1\">Stewardship<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p2\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-s-10-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-stewardship\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"band\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stewardship<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Who maintains the method.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/systems-modelling\/\">Systems Science and Modelling<\/a> stewards probability and statistics for the Consortium and reviews how it is applied across platforms.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\">Canonical page: Probability and statistics<\/a><\/p><\/div><\/div><\/section><section id=\"nx-s-9-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/systems-modelling\/stem\/probability-statistics\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Steward platform<\/span><span class=\"nx-dest-host\"><abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr><\/span><\/span><span class=\"nx-dest-title\">Statistics for modelling<\/span><span class=\"nx-dest-why\">Systems Science and Modelling stewards this method.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What are the limits of probability and statistics in this field?<\/summary><div class=\"nx-answer\">Inference depends on assumptions about independence, distribution and sampling that may not hold. Small or biased samples limit reliability.<\/div><\/details><details><summary>How are results checked?<\/summary><div class=\"nx-answer\">Results are checked through diagnostics, cross-validation and sensitivity to assumptions. Independent replication confirms findings.<\/div><\/details><details><summary>Are the values on this page real?<\/summary><div class=\"nx-answer\">The data names, roles and checks are real descriptions of practice. The canvas shows a design of the method&#8217;s use, not a run; no result is reported here.<\/div><\/details><details><summary>Where else is this method applied?<\/summary><div class=\"nx-answer\">The <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\">canonical method page<\/a> lists every platform that applies it.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication. 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