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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-ngb3x95l.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 Climate and Nature Financial Risk<\/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\">Climate and Nature Financial Risk<\/h1><p class=\"nx-scene-lede\">Climate and nature exposures, scenario methods and transmission into financial institutions and markets. Climate and Nature Financial Risk is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/about\/\">Open Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>5<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>8<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>10<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-sec-areas\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"split\" 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\">Coverage<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The areas of climate and hazards this platform takes on.<\/h2><p class=\"nx-lede\">Climate and Nature Financial Risk studies how a changing climate, the move to a low-carbon economy and the loss of nature become financial risk for banks, insurers and investors: through damaged collateral, stranded assets, repriced securities, uninsurable property and firms that depend on ecosystems. Its pages set out the transmission channels, scenario methods, disclosure and data, and the gaps in measurement, with every source labelled. Global Risks Alliance shares industry understanding and does not rate, certify, forecast or give investment advice.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><div class=\"nx-cells\" data-cols=\"4\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Physical climate risk<\/h3><p class=\"nx-p nx-mt-1\">Acute and chronic hazards that damage assets, disrupt operations and supply chains, and reduce the value of collateral and investments.<\/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 14a1 1 0 0 1-.78-1.63l9.9-10.2a.5.5 0 0 1 .86.46l-1.92 6.02A1 1 0 0 0 13 10h7a1 1 0 0 1 .78 1.63l-9.9 10.2a.5.5 0 0 1-.86-.46l1.92-6.02A1 1 0 0 0 11 14z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Transition risk<\/h3><p class=\"nx-p nx-mt-1\">Policy, technology, market and legal changes in the move to low emissions that reprice assets and business models.<\/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=\"M7 20h10\"\/><path d=\"M10 20c5.5-2.5.8-6.4 3-10\"\/><path d=\"M9.5 9.4c1.1.8 1.8 2.2 2.3 3.7-2 .4-3.5.4-4.8-.3-1.2-.6-2.3-1.9-3-4.2 2.8-.5 4.4 0 5.5.8z\"\/><path d=\"M14.1 6a7 7 0 0 0-1.1 4c1.9-.1 3.3-.6 4.3-1.4 1-1 1.6-2.3 1.7-4.6-2.7.1-4 1-4.9 2z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Nature dependencies<\/h3><p class=\"nx-p nx-mt-1\">How firms depend on and affect ecosystems, and how nature loss becomes financial risk.<\/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=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Scenario analysis<\/h3><p class=\"nx-p nx-mt-1\">Climate scenarios used by supervisors and firms, how they are translated into financial variables and what they can show.<\/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=\"8\" cy=\"8\" r=\"6\"\/><path d=\"M18.09 10.37A6 6 0 1 1 10.34 18\"\/><path d=\"M7 6h1v4\"\/><path d=\"m16.71 13.88.7.71-2.82 2.82\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Sector effects<\/h3><p class=\"nx-p nx-mt-1\">How climate and nature risk reaches insurers, banks and investors through underwriting, credit and market channels.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Disclosure and data<\/h3><p class=\"nx-p nx-mt-1\">Climate and nature disclosure standards, financed emissions accounting and the data that support them.<\/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 12a10.06 10.06 1 0 0-20 0Z\"\/><path d=\"M12 12v8a2 2 0 0 0 4 0\"\/><path d=\"M12 2v1\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Adaptation and insurability<\/h3><p class=\"nx-p nx-mt-1\">Whether risks remain insurable and financeable as hazards change, and how adaptation investment affects that.<\/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=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M4.268 21a2 2 0 0 0 1.727 1H18a2 2 0 0 0 2-2V7l-5-5H6a2 2 0 0 0-2 2v3\"\/><path d=\"m9 18-1.5-1.5\"\/><circle cx=\"5\" cy=\"14\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Model and measurement gaps<\/h3><p class=\"nx-p nx-mt-1\">Where climate-financial models fall short: tipping points, compound events, nature and second-round effects.<\/p><\/div><\/div><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"signals\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/home#signals\" data-nxf-title=\"Climate and Nature Financial Risk signals\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"alerts\" data-nxf-kind=\"alerts\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/home#alerts\" data-nxf-title=\"Notices\" data-nxf-height=\"520\" hidden><\/div><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"biodiversity\" aria-label=\"Monitor, Topics, Scenario model, Frameworks\"><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=\"Monitor, Topics, Scenario model, Frameworks\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-s-2-sec\" aria-selected=\"true\" data-key=\"p1\">Monitor<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-3-sec\" aria-selected=\"false\" data-key=\"p2\">Topics<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p3\">Scenario model<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"false\" data-key=\"p4\">Frameworks<\/button><\/div><section id=\"nx-s-2-sec\" class=\"nx-section nx-band-panel\" data-hue=\"biodiversity\" 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\">Monitor<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Climate scenario analysis.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this field: its measures, states and decisions. Names are examples and values are illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-climfin-scenarios\" data-cx=\"climfin.scenarios\" data-variant=\"section\" aria-label=\"Climate scenario analysis: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Climate scenario analysis<\/h3><p class=\"nx-fk-sub\">Bank loan book \u00b7 Exercise 3<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure&#8217;s values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Disorderly case breaches appetite<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Climate and Nature Financial Risk<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Scenario pipeline<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"7\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Select scenarios<\/span><span class=\"nx-cx-snote\">orderly \u00b7 disorderly \u00b7 hot house<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Pathways<\/span><span class=\"nx-cx-snote\">carbon price \u00b7 GDP<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Sector impacts<\/span><span class=\"nx-cx-snote\">margins<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Physical hazards<\/span><span class=\"nx-cx-snote\">assets<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Credit parameters<\/span><span class=\"nx-cx-snote\">PD \u00b7 LGD<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Portfolio loss<\/span><span class=\"nx-cx-snote\">capital<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Disclose<\/span><span class=\"nx-cx-snote\">limits<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"matrix\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">PD uplift by sector and scenario<\/h4><p class=\"nx-fk-panel-sub\">basis points, illustrative<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 422 166\" width=\"422\" height=\"166\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"PD uplift by sector and scenario\" data-fk-chart=\"cx-climfin-scenarios-heat\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Expected loss path<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Expected loss path\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-climfin-scenarios-c2\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Disorderly|ink|l||0:43.5;1:42.4;2:45.8;3:49.2;4:53.8;5:52.8;6:56.4;7:55.1;8:51.4;9:48;10:46;11:43.3;12:49.1;13:54.3;14:56.9;15:53.9;16:57.4;17:60;18:62.3;19:60.4;20:60;21:58.7;22:60.5;23:64.6~Hot house|acc|l||0:48.8;1:48.6;2:49.7;3:49.2;4:46.4;5:50.3;6:54.5;7:55.4;8:57.2;9:55;10:57.7;11:62.7;12:64.7;13:64.3;14:64.7;15:66.9;16:69.9;17:69.6;18:70.3;19:71.4;20:71.3;21:75.4;22:79;23:80.8\" 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>Climate scenario analysis: the screen&#8217;s structure, terms and states for Bank loan book.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/physical-climate-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Physical climate risk<\/h3><p class=\"nx-p nx-mt-1\">Direct and indirect asset exposures.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/transition-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Transition risk<\/h3><p class=\"nx-p nx-mt-1\">Policy, technology and business-model change.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/nature-dependencies\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Nature dependencies<\/h3><p class=\"nx-p nx-mt-1\">Ecosystem services, degradation and economics.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/scenario-analysis\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Scenario analysis<\/h3><p class=\"nx-p nx-mt-1\">Horizon, assumptions and limitations.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/insurance-bank-investment-effects\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurance bank investment effects<\/h3><p class=\"nx-p nx-mt-1\">Distinct financial-sector transmission.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/disclosure-and-data\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Disclosure and data<\/h3><p class=\"nx-p nx-mt-1\">Source quality and comparability.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/adaptation-and-insurability\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Adaptation and insurability<\/h3><p class=\"nx-p nx-mt-1\">Risk reduction and protection gaps.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/model-and-measurement-gaps\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Model and measurement gaps<\/h3><p class=\"nx-p nx-mt-1\">Geolocation, uncertainty and aggregation.<\/p><\/a><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-ns-layout=\"es-wide\" 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\">Scenario model<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Transition and physical risk on a portfolio.<\/h2><p class=\"nx-lede\">Three scenario families after the NGFS framework move a sector portfolio through carbon costs and warming damages; the transmission view follows the losses to lenders, investors, public finances and households. Scenario: named assumptions about the future, not a forecast.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-climate-nature-financial-risk-0\" data-nxi=\"transition\" data-nxi-id=\"transition\" data-nxi-z=\"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\" aria-label=\"Transition and physical risk on a portfolio\"><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=\"bars\">By sector<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"flow\">Transmission<\/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-climate-nature-financial-risk-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Value change by scenario\" 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>Carbon price at the horizon, orderly path<\/dt><dd>200 per tCO2<\/dd><\/div><div><dt>Delay before a disorderly transition<\/dt><dd>50% of horizon<\/dd><\/div><div><dt>Cost passed to customers<\/dt><dd>50%<\/dd><\/div><div><dt>Warming today above pre-industrial<\/dt><dd>1.30\u00b0C<\/dd><\/div><div><dt>Warming per decade, current policies<\/dt><dd>0.25\u00b0C<\/dd><\/div><div><dt>Damage coefficient<\/dt><dd>0.24% per \u00b0C\u00b2<\/dd><\/div><div><dt>Years ahead<\/dt><dd>25 years<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Worst scenario at the horizon<\/dt><dd>\u221233.6% of value<\/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\">Year<\/th><th scope=\"col\">Orderly transition (% value)<\/th><th scope=\"col\">Delayed, disorderly transition (% value)<\/th><th scope=\"col\">Current policies (% value)<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>\u22120.38<\/td><td>\u22120.38<\/td><td>\u22120.38<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>\u22122.87<\/td><td>\u22120.53<\/td><td>\u22120.67<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>\u22125.36<\/td><td>\u22120.68<\/td><td>\u22120.97<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>\u22127.84<\/td><td>\u22120.84<\/td><td>\u22121.27<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>\u221210.33<\/td><td>\u22120.99<\/td><td>\u22121.57<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>\u221212.82<\/td><td>\u22127.12<\/td><td>\u22121.87<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>\u221215.31<\/td><td>\u221215.05<\/td><td>\u22122.17<\/td><\/tr><tr><th scope=\"row\">21<\/th><td>\u221217.80<\/td><td>\u221223.00<\/td><td>\u22122.48<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>\u221220.29<\/td><td>\u221230.94<\/td><td>\u22122.79<\/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>Climate scenario families <span class=\"nx-in-cite\">NGFS (2023), Climate Scenarios for central banks and supervisors, Phase IV<\/span><\/li><li>Climate stress test of the financial system <span class=\"nx-in-cite\">Battiston and others (2017), Nature Climate Change 7<\/span><\/li><li>Damage function <span class=\"nx-in-cite\">Nordhaus (2017), Revisiting the social cost of carbon, PNAS 114<\/span><\/li><li>Transmission channels <span class=\"nx-in-cite\">BCBS (2021), Climate-related risk drivers and their transmission channels<\/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\">The model runs on the teaching values set by the controls. To calibrate it for a place, read it against these admitted layers and series, which this page&#8217;s map can draw:<\/p><ul class=\"nx-in-src\"><li>Urban extents <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Seaports <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Past year, daily temperature (ERA5 via Open-Meteo) <span class=\"nx-in-cite\">Open-Meteo.com (CC BY 4.0), Copernicus ERA5 (C3S\/ECMWF) \u00b7 register open-meteo.public-pages<\/span><\/li><li>Surface air temperature, daytime (AIRS) <span class=\"nx-in-cite\">NASA AIRS \u00b7 register nasa.gibs.context-live-layers<\/span><\/li><\/ul><\/div><\/details><figcaption class=\"nx-caption\">Transition and physical risk on a portfolio. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: Climate scenario families (NGFS (2023), Climate Scenarios for central banks and supervisors, Phase IV); Climate stress test of the financial system (Battiston and others (2017), Nature Climate Change 7); Damage function (Nordhaus (2017), Revisiting the social cost of carbon, PNAS 114).<\/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\/climate-nature-financial-risk\/foundry\/\">Climate and Nature Financial Risk 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\/climate-nature-financial-risk\/universe\/\">Climate and Nature Financial Risk 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\/climate\/\">Climate and Earth Systems 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\/climate-nature-financial-risk\/reports\/\">Climate and Nature Financial Risk 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\/earth-environment\/\">Faculty of Earth and Environmental Sciences 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-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"biodiversity\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><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\">Frameworks<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">Principles for the effective management and supervision of climate-related financial risks<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision (BCBS)<\/td><td data-label=\"What it sets\">Expectations for banks&#8217; governance, risk management and scenario analysis of climate risk, and for supervisors<\/td><\/tr><tr><td data-label=\"Framework or standard\">Disclosure of climate-related financial risks framework<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">A voluntary Pillar 3 framework that jurisdictions may adopt, with qualitative and quantitative templates including financed emissions<\/td><\/tr><tr><td data-label=\"Framework or standard\">NGFS climate scenarios and conceptual framework for nature-related financial risks<\/td><td data-label=\"Body\">Network for Greening the Financial System (NGFS)<\/td><td data-label=\"What it sets\">Reference long-term and short-term climate scenarios, and a framework for assessing nature-related financial risk<\/td><\/tr><tr><td data-label=\"Framework or standard\">IFRS S2 Climate-related Disclosures<\/td><td data-label=\"Body\">International Sustainability Standards Board (ISSB)<\/td><td data-label=\"What it sets\">Disclosure of climate-related risks and opportunities, including scenario analysis, industry metrics and financed emissions for financial institutions<\/td><\/tr><tr><td data-label=\"Framework or standard\">TNFD recommendations and LEAP approach<\/td><td data-label=\"Body\">Taskforce on Nature-related Financial Disclosures<\/td><td data-label=\"What it sets\">Disclosure of nature-related dependencies, impacts, risks and opportunities, which the ISSB has said it will draw on<\/td><\/tr><tr><td data-label=\"Framework or standard\">Global GHG Accounting and Reporting Standard for the Financial Industry<\/td><td data-label=\"Body\">Partnership for Carbon Accounting Financials (PCAF)<\/td><td data-label=\"What it sets\">Methods for measuring financed, facilitated and insurance-associated emissions by asset class, with <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 data-quality\" data-tk=\"Nexus risk vocabulary\" data-td=\"The fitness of data for a given use, judged by accuracy, completeness, timeliness, consistency and resolution.\" data-ts=\"NRS-C1\" data-tr=\"draft\">data quality<\/a> scores<\/td><\/tr><tr><td data-label=\"Framework or standard\">Application Paper on the supervision of climate-related risks in the insurance sector<\/td><td data-label=\"Body\">International Association of Insurance Supervisors (IAIS)<\/td><td data-label=\"What it sets\">Guidance on applying the Insurance Core Principles to climate risk, including scenario analysis<\/td><\/tr><tr><td data-label=\"Framework or standard\">Guide on climate-related and environmental risks<\/td><td data-label=\"Body\">European Central Bank Banking Supervision<\/td><td data-label=\"What it sets\">Supervisory expectations for euro area banks on climate and environmental risk management and disclosure<\/td><\/tr><tr><td data-label=\"Framework or standard\">FSB roadmap for addressing climate-related financial risks<\/td><td data-label=\"Body\">Financial Stability Board<\/td><td data-label=\"What it sets\">A coordinated work programme on disclosure, data, vulnerabilities analysis and regulatory and supervisory practice<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-6\"><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\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Trace a shock in Climate and Nature Financial Risk to the balance sheet.<\/h2><p class=\"nx-lede\">Assembled from the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> area profile <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/climate\/climate-risk-standards\/\">Climate risk standards<\/a>: the shocks it names, the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and sectors that carry the loss, the controls that dampen it and the data that observe it. Pick an initiating shock and step through the cascade to see which exposures it reaches and where losses could concentrate. The Map view places the run on an example geography with open data. Every weight is a stated assumption. An exercise, not a forecast, a valuation, a rating or investment advice. To model a place of your own choosing, open the full <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/system-builder\/\">System Builder<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-ns-twin\" data-ns-data=\"nx-twin-es-home-A-P04\" data-ns-credits=\"Nexus Standards registry and area profiles; Nexus Hazard Standard NHS-1 1.1.0\"><div class=\"nx-ns-twin-static\"><div><p class=\"nx-eyebrow\">Hazards<\/p><ul class=\"nx-list\"><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.sea-level-rise\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"A long-term rise of mean sea level that raises the baseline for floods, erosion and saltwater intrusion.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Sea-level rise<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.coastal-flood\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"Seawater overtopping or breaching the shoreline and flooding land, from surge, waves, high tides or a raised sea level.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Coastal flood<\/a> (set off downstream)<\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.storm-surge\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"Sea level pushed above the tide by storm wind and low pressure, flooding the coast.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Storm surge<\/a> (set off downstream)<\/li><li>High-tide flooding (set off downstream)<\/li><li>Coastal erosion (set off downstream)<\/li><li>Saltwater intrusion (set off downstream)<\/li><li>Estuary flood (set off downstream)<\/li><li>Coastal habitat squeeze (set off downstream)<\/li><li>Wetland loss (set off downstream)<\/li><li>Mangrove loss (set off downstream)<\/li><li>Groundwater flood (set off downstream)<\/li><li>Climate-driven migration and relocation (set off downstream)<\/li><li>Mass displacement (set off downstream)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Systems and couplings<\/p><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/climate\/climate-risk-standards\/\">Climate risk standards<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/hydrometeorological-hazard-standards\/\">Hydrometeorological hazard standards<\/a> <span class=\"nx-ns-sub\">Common driver<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\">Financial and economic risk standards<\/a> <span class=\"nx-ns-sub\">Cascade<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/compound-and-cascading-hazard-standards\/\">Compound and cascading hazard standards<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/climate\/climate-adaptation-and-transition-risk\/\">Climate adaptation and transition risk<\/a> <span class=\"nx-ns-sub\">Feedback<\/span><\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Controls<\/p><ul class=\"nx-list\"><li><code>NS-0<\/code> Constitution and principles<\/li><li><code>NS-1<\/code> The <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a> and the artefact catalogue (grammar v0.2: domain, sector, region and environment segments)<\/li><li><code>NS-3<\/code> Risk record UNIs (grammar, legacy crosswalk, allocation authority)<\/li><li><code>NS-3b<\/code> Dataset and product metadata profile (STAC, DCAT, PROV-O)<\/li><li><code>NS-9<\/code> Contextual UNIs (deployments, instances, programme instances)<\/li><li><code>NS-11<\/code> Verification and monitoring (evidence, attestations, zero-trust conformance observation)<\/li><li><code>NS-14<\/code> Conformance and crosswalk to external standards<\/li><li><code>NRS-H65<\/code> Hazard family: Planetary boundary transgressions (NHS-1 planet.boundary)<\/li><li><code>NRS-H62<\/code> Hazard family: Compound and multi-hazard events (NHS-1 sys.compound)<\/li><li><code>NRS-H71<\/code> Hazard family: Deep-time and cosmic catastrophes (NHS-1 planet.deep-time)<\/li><li><code>NRS-H79<\/code> Hazard family: Mental health crises (NHS-1 health.mental)<\/li><li><code>NRS-H75<\/code> Hazard family: Climate-sensitive illness (NHS-1 health.climate-sensitive)<\/li><li><code>NRS-H7<\/code> Hazard family: Large-scale circulation anomalies (NHS-1 atmo.climate-mode)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>ERA5 reanalysis (Copernicus Climate Data Store) (listed for reference)<\/li><li>CMIP6 climate projections (Copernicus Climate Data Store) (listed for reference)<\/li><li>NGFS Scenario Explorer (listed for reference)<\/li><li>INFORM Risk Index (listed for reference)<\/li><li>Number of deaths, missing persons and directly affected persons attributed to disasters per 100,000 population<\/li><li>Total greenhouse gas emissions per year<\/li><li>Direct economic loss attributed to disasters in relation to global GDP<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Example geography<\/p><ul class=\"nx-list\"><li>Pacific Island states: 150 hexagonal cells<\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band), NASA GIBS<\/li><li>Surface water through cloud, 30 m (OPERA DSWx-S1 radar), NASA GIBS<\/li><li>Rain rate, last half hour (IMERG), NASA GIBS<\/li><li>Vegetation disturbance alerts, 30 m (OPERA DIST-ALERT), NASA GIBS<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-overview\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Overview<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What Climate and Nature Financial Risk does.<\/h2><p class=\"nx-lede\">Climate and nature financial risk is the risk to banks, insurers and investors from a changing climate, the move to low emissions and the loss of nature. Global Risks Alliance&#8217;s platform explains physical and transition channels, nature dependencies, scenarios, sector effects, disclosure, insurability and model gaps. It does not rate, forecast or advise.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Climate risk professionals; risk modellers; finance disclosure specialists.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Physical\/<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 transition-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the shift to a low-emission economy, through policy, law, technology, markets and reputation, which can reprice assets and change business models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">transition risk<\/a> scenarios; nature dependencies; asset exposure.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Financial climate\/nature method guidance; sector examples.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-signature\" class=\"nx-section\" data-hue=\"biodiversity\" 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\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sector signature<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where exposure in Climate and Nature Financial Risk travels.<\/h2><p class=\"nx-lede\">The sectors that carry exposure in Climate and Nature Financial Risk and how a loss in one passes to the others, across portfolios and public finances.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-nsig\" data-nx-sig=\"WFHB\" data-sig-name=\"Biodiversity and its partners\" data-sig-line=\"Biodiversity gives pollination and soils to food (0.6), watershed regulation to water (0.5) and zoonotic spillover and medicines to health (0.4).\" data-sig-inst=\"The Global Risks Alliance\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Signatures in context\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select corners \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">6 \/ 15 relations<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"Sector signature hexagon: Water, Food, Health and Biodiversity selected, 6 of 15 relations in play, coupling 0.46. Teaching values.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Signature<\/p><p class=\"nx-nsig-name\">Biodiversity and its partners<\/p><p class=\"nx-nsig-line\">Biodiversity gives pollination and soils to food (0.6), watershed regulation to water (0.5) and zoonotic spillover and medicines to health (0.4).<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>W<\/span> \u00b7 <span class=\"nx-nsig-off\">E<\/span> \u00b7 <span class=\"nx-nsig-off\">I<\/span> \u00b7 <span>F<\/span> \u00b7 <span>H<\/span> \u00b7 <span>B<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Sectors<\/dt><dd><strong>4<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Relations<\/dt><dd><strong>6<\/strong> <small>of 15<\/small><\/dd><\/div><div><dt>Coupling<\/dt><dd><strong>0.46<\/strong> <small>share of total<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Strongest relations in play<\/h3><ul class=\"nx-nsig-rel\"><li><span class=\"nx-nsig-rt\"><b>Food \u2192 Biodiversity<\/b> \u00b7 land conversion<\/span><span class=\"nx-nsig-bar\" data-v=\"6\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.6<\/span><\/li><li><span class=\"nx-nsig-rt\"><b>Water \u2192 Food<\/b> \u00b7 irrigation<\/span><span class=\"nx-nsig-bar\" data-v=\"8\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.8<\/span><\/li><li><span class=\"nx-nsig-rt\"><b>Water \u2192 Biodiversity<\/b> \u00b7 environmental flows<\/span><span class=\"nx-nsig-bar\" data-v=\"6\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.6<\/span><\/li><li><span class=\"nx-nsig-rt\"><b>Food \u2192 Health<\/b> \u00b7 nutrition<\/span><span class=\"nx-nsig-bar\" data-v=\"7\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.7<\/span><\/li><\/ul><\/div><div class=\"nx-nsig-actions\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-sig-act=\"all\">Select all<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-sig-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-sig-act=\"copy\">Copy signature<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">Teaching values for a typical city-region, not measurements for any place. Coupling is the summed strength of the relations in play, as a share of all fifteen.<\/figcaption><\/figure><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-hue=\"finance\" aria-label=\"The problem, Exposure, loss and capital, What the platform does\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"The problem, Exposure, loss and capital, What the platform does\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"true\" data-key=\"p1\">The problem<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"false\" data-key=\"p3\">What the platform does<\/button><\/div><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-9\" 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\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The problem<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Physical systems are changing faster than financial assumptions.<\/h2><p class=\"nx-lede\">Financial institutions price, insure and hold claims on assets whose value depends on a stable climate and functioning ecosystems. When those conditions change, the change eventually appears in losses, defaults, revaluations and gaps in protection.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Physical<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Hazard to loss<\/h3><p class=\"nx-p nx-mt-1\">Damage, disruption and productivity losses from acute and chronic climate hazards.<\/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 14a1 1 0 0 1-.78-1.63l9.9-10.2a.5.5 0 0 1 .86.46l-1.92 6.02A1 1 0 0 0 13 10h7a1 1 0 0 1 .78 1.63l-9.9 10.2a.5.5 0 0 1-.86-.46l1.92-6.02A1 1 0 0 0 11 14z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Transition<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Policy and technology<\/h3><p class=\"nx-p nx-mt-1\">Changes in rules, prices and technology that alter asset and business values.<\/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=\"M7 20h10\"\/><path d=\"M10 20c5.5-2.5.8-6.4 3-10\"\/><path d=\"M9.5 9.4c1.1.8 1.8 2.2 2.3 3.7-2 .4-3.5.4-4.8-.3-1.2-.6-2.3-1.9-3-4.2 2.8-.5 4.4 0 5.5.8z\"\/><path d=\"M14.1 6a7 7 0 0 0-1.1 4c1.9-.1 3.3-.6 4.3-1.4 1-1 1.6-2.3 1.7-4.6-2.7.1-4 1-4.9 2z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Nature<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Ecosystem dependence<\/h3><p class=\"nx-p nx-mt-1\">Reliance on ecosystem services whose degradation affects revenues, costs and asset values.<\/p><\/div><\/div><p class=\"nx-p\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 physical-climate-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the physical effects of climate change, both from extreme events and from gradual shifts in climate conditions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Physical climate risk<\/a> arises from hazards such as floods, storms, wildfires, heat and drought, and from slower changes such as <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.sea-level-rise\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"A long-term rise of mean sea level that raises the baseline for floods, erosion and saltwater intrusion.\" data-ts=\"NRS-H11\" data-tr=\"draft\">sea-level rise<\/a>. It damages property, interrupts production and supply chains and reduces productivity. <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 transition-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the shift to a low-emission economy, through policy, law, technology, markets and reputation, which can reprice assets and change business models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Transition risk<\/a> arises from the policy, technology and market shifts that accompany decarbonisation, which can strand assets and change the profitability of whole sectors. <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 nature-related-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk to organisations and societies from dependence on, and impacts upon, nature and its degradation.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Nature-related risk<\/a> arises because economies depend on pollination, clean water, fertile soils, fisheries and flood protection that ecosystems provide, and because degradation of those services is often slow, local and poorly measured.<\/p><p class=\"nx-p nx-mt-2\">These risks cascade. A flood damages homes, which reduces collateral values for banks and raises claims for insurers; if insurers withdraw or raise premiums, mortgages become harder to obtain and property values fall further. A policy change can affect carbon-intensive borrowers, their suppliers and the funds that hold them at the same time. Because exposures are concentrated by geography and sector, many institutions can be hit by the same event or policy.<\/p><p class=\"nx-p nx-mt-2\">The industry problem is shared understanding: consistent methods, honest data and clear language about uncertainty, so that institutions, supervisors and the public can each reason about the same risks without overstating what models can tell them.<\/p><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-10\" 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\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What Climate and Nature Financial Risk means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How Climate and Nature Financial Risk could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"disclosure-crosswalk\"><h3 class=\"nx-h4\">Disclosure crosswalk<\/h3><p class=\"nx-p nx-au-what\">Where evidence on Climate and Nature Financial Risk fits the disclosure and prudential frameworks institutions report against.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Pillar<\/th><th scope=\"col\">TCFD<\/th><th scope=\"col\">ISSB IFRS S2<\/th><th scope=\"col\">Prudential (BCBS, IAIS)<\/th><th scope=\"col\">Evidence this page can hold<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Pillar\">Governance<\/td><td data-label=\"TCFD\">Board oversight of climate-related risks<\/td><td data-label=\"ISSB IFRS S2\">Governance requirements<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Governance and risk appetite principles<\/td><td data-label=\"Evidence this page can hold\">Who owns the risk and how it is escalated<\/td><\/tr><tr><td data-label=\"Pillar\">Strategy<\/td><td data-label=\"TCFD\">Risks, opportunities and resilience<\/td><td data-label=\"ISSB IFRS S2\">Scenario analysis and resilience<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Strategy and business model principles<\/td><td data-label=\"Evidence this page can hold\">Scenario design and transmission paths<\/td><\/tr><tr><td data-label=\"Pillar\">Risk management<\/td><td data-label=\"TCFD\">Identify, assess, manage<\/td><td data-label=\"ISSB IFRS S2\">Risk management processes<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Internal control and ICAAP or ORSA<\/td><td data-label=\"Evidence this page can hold\">Exposure maps and loss views<\/td><\/tr><tr><td data-label=\"Pillar\">Metrics and targets<\/td><td data-label=\"TCFD\">Metrics used and targets set<\/td><td data-label=\"ISSB IFRS S2\">Cross-industry and industry metrics<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Data, metrics and reporting principles<\/td><td data-label=\"Evidence this page can hold\">Indicator definitions and units<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Sources: the TCFD recommendations, ISSB IFRS S2 and the BCBS and IAIS principles, cited by name; the framework texts are the authority. A crosswalk by pillar. It is not a compliance assessment.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"biodiversity\" aria-labelledby=\"nx-s-11\" 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\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">What the platform does<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Method guidance for the financial sector.<\/h2><p class=\"nx-lede\">The platform&#8217;s methods are physical and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 transition-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the shift to a low-emission economy, through policy, law, technology, markets and reputation, which can reprice assets and change business models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">transition risk<\/a> scenarios, analysis of nature dependencies and asset exposure assessment. It is designed to publish financial climate and nature method guidance and sector examples that institutions can examine and adapt for their own purposes.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Audience<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Who it serves<\/h3><p class=\"nx-p nx-mt-1\">Climate risk professionals, risk modellers and finance disclosure specialists across insurance, banking and investment.<\/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=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">How it works<\/h3><p class=\"nx-p nx-mt-1\">Hazard and exposure analysis, scenario design, nature dependency mapping and review of model limitations, each with stated assumptions.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Outputs<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">What it is designed to publish<\/h3><p class=\"nx-p nx-mt-1\">Method guidance and sector examples at sector level, with their assumptions and limits.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-12\"><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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">A loan book under scenario families.<\/h2><p class=\"nx-lede\">How physical and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 transition-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk arising from the shift to a low-emission economy, through policy, law, technology, markets and reputation, which can reprice assets and change business models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">transition risk<\/a> could reach a loan book under different scenarios. Illustrative design values.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"climate-stress\" data-gl=\"sf:climate-stress\" data-sf=\"climate-stress\" data-sx-credit=\"Natural Earth (public domain) | relief: GEBCO 2020 Grid | design values; NGFS names as labels only\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | GEBCO Compilation Group (2020) GEBCO 2020 Grid (doi:10.5285\/a29c5465-b138-234d-e053-6c86abc040b9), relief ~ public domain, not for navigation ~ https:\/\/www.gebco.net\/data-products\/gridded-bathymetry-data | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"waterfall\" aria-label=\"Interactive map: a design loan book over Europe, coloured by a design loss-sensitivity score. The panel chooses layers, a scenario family and a horizon.\" data-nx-zf=\"figure.9552b4f17147.txt\" data-nx-zs=\"sha256-lVK08XFHt5\/XrVXAbag5U4xkJpGmCdBzADgNfyGqcZc=\"><figcaption class=\"nx-fk-cap\"><span>A loan book across Europe under physical and transition risk.<\/span><span data-honesty=\"true\">Design values; NGFS scenario names are labels only, not stress test results.<\/span><\/figcaption><\/figure><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"climate\" aria-label=\"Foundations and counterparts, Grounding, Cycle\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Foundations and counterparts, Grounding, Cycle\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-foundations-and-counterparts\" aria-selected=\"true\" data-key=\"p1\">Foundations and counterparts<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p2\">Grounding<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-cycle\" aria-selected=\"false\" data-key=\"p3\">Cycle<\/button><\/div><section id=\"nx-sec-foundations-and-counterparts\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\" 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\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Foundations and counterparts<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Science from <abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr>, governance from <abbr title=\"The Global Risks Forum\">GRF<\/abbr>.<\/h2><p class=\"nx-lede\">The platform applies <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/climate-science\/\">climate and atmospheric science<\/a>, ecology and biodiversity science, scenario design and stress testing, financial economics and macro-finance and spatial statistics and geostatistics; see the STEM foundation. The physical science comes from counterparts at The Global Centre for Risk and Innovation (GCRI), and the institutional context from counterparts at the Global Risks Forum (GRF).<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Counterpart\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/climate-hazards\/\"><span class=\"nx-dir-name\">Climate and Hazards<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">The Global Centre for Risk and Innovation (GCRI)<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Hazard science and climate projections.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/water-nexus\/\"><span class=\"nx-dir-name\">Water Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">The Global Centre for Risk and Innovation (GCRI)<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Floods, drought and water services.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/biodiversity-nexus\/\"><span class=\"nx-dir-name\">Biodiversity Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">The Global Centre for Risk and Innovation (GCRI)<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Ecosystems and biodiversity science.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/space-earth-observation\/\"><span class=\"nx-dir-name\">Space and Earth Observation<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">The Global Centre for Risk and Innovation (GCRI)<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Earth observation for exposure and change.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/climate-nature-governance\/\"><span class=\"nx-dir-name\">Climate and Nature Governance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">Global Risks Forum (GRF)<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Institutions and policy for climate and nature.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/diplomacy\/\"><span class=\"nx-dir-name\">Diplomacy Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">Global Risks Forum (GRF)<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Dialogue on transboundary environmental priorities.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><p class=\"nx-note nx-mt-3\">Within GRA, the platform works alongside <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\">Insurance Nexus<\/a>, Banking Nexus, Asset Management Nexus and Reinsurance and Catastrophe. Field gateways: <a class=\"nx-link\" href=\"https:\/\/therisk.global\/fields\/climate\/\">Climate and hazards<\/a>, Biodiversity and nature and Capital markets and investment.<\/p><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"biodiversity\" data-variant=\"split\" aria-labelledby=\"nx-s-14\" 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\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Climate and Nature Financial Risk rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Climate and atmospheric science<\/span><span class=\"nx-chip\">Ecology and biodiversity science<\/span><span class=\"nx-chip\">Scenario design and stress testing<\/span><span class=\"nx-chip\">Financial economics and macro-finance<\/span><span class=\"nx-chip\">Spatial statistics and geostatistics<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/\">See the STEM foundation of Climate and Nature Financial Risk<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-15\" 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\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a><\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/programmes\/\">Question in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/\">Evidence in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/foundry\/\">Build in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/community\/\">Organise in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/universe\/\">Test in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/reports\/\">Publish in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS (participants, agreements and handoffs)<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/trust\/\">Decide in Climate and Nature Financial Risk<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/programmes\/\">Renew in Climate and Nature Financial Risk<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-16\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Climate and Nature Financial Risk works through six pillars of one annual programme, led by the Nexus Consortium, with GCRI, GRF and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/climate\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/earth-environment\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/foundry\/\">Climate and Nature Financial Risk in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/universe\/\">Climate and Nature Financial Risk in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/climate\/\">Climate and Earth Systems in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/reports\/\">Climate and Nature Financial Risk in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/earth-environment\/\">Faculty of Earth and Environmental Sciences in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"biodiversity\" aria-label=\"Consortium, Pages, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Consortium, Pages, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-s-18-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-s-19-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"biodiversity\" data-variant=\"split\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Climate and Nature Financial Risk links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/water-nexus\/\"><span class=\"nx-dir-name\">Water Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/food-nexus\/\"><span class=\"nx-dir-name\">Food Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/energy-nexus\/\"><span class=\"nx-dir-name\">Energy Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/biodiversity-nexus\/\"><span class=\"nx-dir-name\">Biodiversity Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Biodiversity and nature, Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/climate-hazards\/\"><span class=\"nx-dir-name\">Climate and Hazards<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/disaster-resilience\/\"><span class=\"nx-dir-name\">Disaster Resilience and Recovery<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/oceans-coasts\/\"><span class=\"nx-dir-name\">Oceans and Coasts<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards, Biodiversity and nature<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/space-earth-observation\/\"><span class=\"nx-dir-name\">Space and Earth Observation<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-18\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">18<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-18\" class=\"nx-section-title\">Pages in Climate and Nature Financial Risk.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Climate and Nature Financial Risk<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-19-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-19\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">19<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-19\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Climate and Nature Financial Risk?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Climate and Nature Financial Risk and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Climate and Nature Financial Risk active?<\/summary><div class=\"nx-answer\">Climate and Nature Financial Risk is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Does the platform rate firms or assets on climate risk?<\/summary><div class=\"nx-answer\">No. It publishes sector-level method guidance and examples. It does not rate, score, rank or recommend any firm, asset or transaction. See GRA&#8217;s <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/about\/regulatory-boundaries\/\">regulatory boundaries<\/a>.<\/div><\/details><details><summary>How is this different from sustainability marketing?<\/summary><div class=\"nx-answer\">Its focus is financial risk: how climate and nature exposures affect losses, values and stability, with methods and uncertainty stated. It makes no claims about the environmental merit of any product.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"biodiversity\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Climate and Nature Financial Risk<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Scenario and Stress-Test<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/climate-nature-financial-risk#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a-p04\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a-p04\" class=\"nx-h3 nx-mt-2\">How Climate and Nature Financial Risk works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a-p04\" data-nx-pe=\"nx-pe-a-p04\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Climate and Nature Financial Risk<\/p><h2 class=\"nx-pe-title\">How Climate and Nature Financial Risk works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/\" rel=\"noopener\">Climate and Nature Financial Risk home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-liance-com-climate-nature-financial-risk\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-liance-com-climate-nature-financial-risk-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-liance-com-climate-nature-financial-risk-h\" class=\"nx-h3 nx-mt-2\">Take part in Climate and Nature Financial Risk.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Climate and Nature Financial Risk platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-liance-com-climate-nature-financial-risk-tab-routes\" aria-controls=\"nx-tp-liance-com-climate-nature-financial-risk-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-liance-com-climate-nature-financial-risk-tab-calls\" aria-controls=\"nx-tp-liance-com-climate-nature-financial-risk-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-liance-com-climate-nature-financial-risk-tab-cell\" aria-controls=\"nx-tp-liance-com-climate-nature-financial-risk-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-liance-com-climate-nature-financial-risk-tab-index\" aria-controls=\"nx-tp-liance-com-climate-nature-financial-risk-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-liance-com-climate-nature-financial-risk-panel-routes\" aria-labelledby=\"nx-tp-liance-com-climate-nature-financial-risk-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Climate and Nature Financial Risk. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-liance-com-climate-nature-financial-risk-panel-calls\" aria-labelledby=\"nx-tp-liance-com-climate-nature-financial-risk-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-liance-com-climate-nature-financial-risk-panel-cell\" aria-labelledby=\"nx-tp-liance-com-climate-nature-financial-risk-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-liance-com-climate-nature-financial-risk-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-liance-com-climate-nature-financial-risk-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-liance-com-climate-nature-financial-risk-panel-index\" aria-labelledby=\"nx-tp-liance-com-climate-nature-financial-risk-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"finance\" id=\"nx-grix-liance-com-climate-nature-financial-risk\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-liance-com-climate-nature-financial-risk-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-liance-com-climate-nature-financial-risk-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a UNI.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Climate and Nature Financial Risk<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-alriskalliance-com-climate-nature-financial-risk-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-alriskalliance-com-climate-nature-financial-risk-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-alriskalliance-com-climate-nature-financial-risk-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/scenarios\/heatwave\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Heatwave<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/climate-nature-finance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Climate and nature financial risk<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><nav class=\"nx-deeper nx-hubs\" aria-labelledby=\"nx-deeper-alriskalliance-com-climate-nature-financial-risk-hubs-h\" data-nx-hubs=\"6\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-alriskalliance-com-climate-nature-financial-risk-hubs-h\">The same subject across the Consortium<\/h2><ul><li><a href=\"https:\/\/therisk.global\/climate-hazards\/\" data-ext><span class=\"nx-deeper-k\">Science:<\/span> Climate and Hazards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskforum.com\/climate-nature-governance\/\" data-ext><span class=\"nx-deeper-k\">Policy:<\/span> Climate and Nature Governance<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/climate\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Climate and Earth Systems<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/earth-environment\/climate-science\/\" data-ext><span class=\"nx-deeper-k\">Learn:<\/span> Climate science, variability and change<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksindex.com\/series\/gs-07\/\" data-ext><span class=\"nx-deeper-k\">Index:<\/span> Global Climate series<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/areas\/climate-hazards\/\" data-ext><span class=\"nx-deeper-k\">Reports:<\/span> Climate and Hazards in Reports<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-20\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Climate and Nature Financial Risk<\/span><h2 id=\"nx-close-20\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-21\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-21\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Climate and Nature Financial Risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Climate and Nature Financial Risk and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. 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