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SuxGRGTN4E\/9kjj+ajE8nYZE5MTMTik8lc+iboA\/mjh9wknYpPut\/YEpNJMXUT+Oemjh6bKnTB8cREPDYpxm7m\/fDB\/OHDU13R4mJ2IpaeTGQSN8EfPH5k78cPHDn0aHQilZtMxHMTseykmM7dhHL\/8QOuTScSmclcNjkRT0xmvkf5+48fmjp8\/ODe8Q\/tzbtDQjI9sSvrdsSUp31+38Hj+aNHpw7npw6PP+h+MEyk3c5JuR\/brmN5Q0wXmkpPJHqAj34agk+Bf2UYCFinUTOMg98Co4Zu4jIqUODj6C\/o7QpS91PBERvv4Kp2Bvwiwhvrf48uB6\/Yl2mBWgRlaZHa8KmozgXC7+H7+wKkTOOcSqPyP1I4NyDwvkl8J8Io\/YKGsR0BBPCGv0kBQcAlAUA+ghmL0XO03ccLIbwfPF8\/C+pkR1mmFxtKYIM3AZvYyZhMvZ9ABtkVFm+3zYbcCTr+SPm8aZax83VdwTpbON6HdAaREDUsDITXX8bKvIQ1+LthOzzMY4wM27RDRVCZ0ft4sCu0GiDRrZwaIkGfzhARnRBO2H0buiJf\/HPJsIKtDdngP2IOYlNKuEWX186tbay1a81n8PvUfs02ZKfcOE+c0YJaluoDA+1dV+LP9V8JVbLn3yq3z27lX7Nfs3Zs3NsWavTqgtyPMkLQeE\/9rjolIZca7Zpda+N6HWupZdNnYqopvwwCKm2FQbLmtC92VFCtfxOeNf+R\/zuVVpbBGZm0VHzBVNlLyIZybqGmyo7kP9d+pr2uaLZMle0N6JA07B\/ZNbglTMCIn8W3We9Ov6ezRoIwelx3fLWrfI23sSGZhWAvPmgAiSCQkNYiwDX8zwy6zVEWY+otJAxW8N8yNBSFGoWyZ5ptGdMHSNyyG9BGW7gNRwUV7XB9gNAcCBD4LaNtoDILgA+CDH5Rdzq8BLgOi4M43tYpGeEViwcfwld0bUzTYMOuUZqlQJvFEcIMm5hlkuAXcNKwVNogqxjZGTQBDh7BfkUDOhVS2xRYR4d0bF3QIYpDW+hQHcCAB7BXNeNbEEE5HqdqVKTjM0NNmwaD2F9oZVK3jDKBsZZa9VHUCAV47FkNaJRF+xGdwMjIwmoAcPgfafW2vOH4dHv5OaLDRqgKpHCJRnBojbFGON3CCfDL2O9rtkaqGGsSph0Af439uVYB5n0mXr3qN8E1voOtUwpBIBw08QEStdkWS4BvYu\/RDE5WyCsQx4Yg+M\/YOzWkPWg5wiqKg1\/G4hroQNrAdoAp9GnNOsMA2ORUqi1VdSjVkWvUGmEFVoS72Aa5fShA+E2O9xGiHV0ckn06otZNgI41WN1hq3XEYWTD2qhW8QoEPPLHhlyjFphBdeD\/Ae9wJmlb49blvwmeRsvQwPpIFF+kmtqHhYi+Ti0IStjpry35lkzkMoc1G+o\/LLXOnW6dw1qm0bF0skKoNtuC9fbzqKTaxIJ\/jRz1OcEBGmH7eCKoMhjR30JoVhuDjMxjAzjkykGU1fmFgC5gkXMjZFi1y4EmtqZrhOmoJILpaMW\/TCxLV9Hz7XV9odxUv6Rc02Sr1reAyuYi9TxYYZZVVa\/5JbRK6kTdJ4OOH+H8OwesMRyhWzw6oJLE6FbxndgQx9EgIFEcKe24QqOcRgMsaIRGdpKPWA\/ISf2nmn7rLgVh\/ZYPBrR7VWhRLEcPrg4yP6P6NFSPUNSgTMO+oC9CvFXPEH4\/hVP6DjrqbPsVcP0kwAececoUmK+zhsxrOyComW8jzHVcYwZleAD8gjFJG9\/Q28Qy1dx2cfTP4T9o+rK9Ilk62Wg+53+JUkdlTDOa\/GWk1pH1Gkc4S1oLL1NBfEd4wPmcqTAOhNgAbQuLfRqhkr5BhLokVAyZv0ZDQIUMAkEJ1dcCKkURBk+NYOv9zeAgWfVjgXp\/P+aoX0iSGL\/zPjAMWSSg4roPGYQc08F8NivpDoYexCC7zATYnydf5FdJvY\/RPgjvld6C7oK0nx1+uxAZmQKRz4DPgF8H7m8U\/IFFkx17sU\/1rb1nQzZr7LPKmn2mrTXr1RfOnzbb\/VAI08M0aX+F0yKjo4AdhljY4FYgQgQFhnt7fYyM2vw7QFp\/EtRM8Jvg\/wS\/SavBS9n1QSQw4Kd9IwF+EIuwYW0ICFqO8bVYP0+SftYmBsLjQsbyyboKIUna5njNaQiKaXA+f0isUO3Gar2+3DSW2JV7ruEy9c0z577RUlWkzHYEzYcN1RA0yBAaXyV0Vte1LTh4Rf\/3QGsIgoZS4JD+MWDJsOVDQVBjTFRX3w1edF50DHaxKSHGdg1TBvmIyq7pEoY0CM2WOsYaDRRONs4GZLRtm1VnebUFDTlQp3CsJtTCZu2qhLVacoVYlc+i2tA1Fvp05IpcVTFdM9dJQPAMCvUg4xsMQapvYISEUGZ8egT1MRTOWVvwJOTwOh3obEHGmtEgOIf9BtZeXrdVzux0FHWj1tKrfiFUI\/GIM3w3FrRoitaCHHgb9h9RQyatIWRLBGXuHQacqWng3PK3V\/8j+DD+GdCm0MB2\/1iH9fkZOBAejzITS6xN3DsaCC0FX8n5xmpbHYod3ejrA78EPg1+yfs1FbyhAqLZlqQyWrYti7RWO6q+4YQUU7oGZIg6LcLUHYnUNV1ovkasGVYHSmG9s9iu0nBZQ1WlgmiEZV7BW5Rk6azTL5PEWC3cuFu2tcHVsGZXXyv\/vRmgd6qsWZZMTV394\/KLzl8Yu2VeX97gDG0NOLJsLtDr9Qq8WHvujKkQFf33ZYhWNi7LdkVo17GL6gvEGRIOY+nv6AMYHWwhYZJgTHdOQTfHlyOyrQyqeHPQwpqcHLGxGovepXM6Dc0QAa5i\/xem21AmGTtk1iH4EP5+zNFIiNCaRoBP4Y9glo3bEAW8LkHwiPnXJqjhDoHLviD4lvmg5QzaUEcWykqNWvbLqKa26TYOBu7ldji4aVq4bBDgRfPrFvcqY1s727RuUeC4ecrUTbwa5PE+CxpIp14CKTtvyJQ2VtcsSPAqr97TCmCjrSHwTh\/ZvF+hGigxpEU0guhTd0GUjFjjLcZqybZB1dH62uKXauvrT64tyAH52l999eLKy3w9oIc0\/PTfdCxDblgbbd1RGUO2n68vNBpLrXrdVKkO0pIu4xeNJXjOfK686Kyoa9eqqKraZsP\/6kA1YOISbQVDQFZVThl4jUZVyT59jyIQI0O4XyCc5sj6EBHq90Gy3tfi7VAZvZfzRUhfOxBhzCgypMbew8rYetgmdfxbqq5V4be1dVrjaFZFdOVqZyVgBsJIm6cJNQCMDRIIDCIFqiHo34JsZUYZE8dCWSvcHDDD+B6iXws2jjH\/ppmhgp0Uso0Mx8HHwQp+fq3TqFnma+Fl8zxesc+vN+pn6GWpoX\/T6Oimgum6\/V\/xTvAqXN+2Psr5\/U6UGAlsDZP9E0hUxkCQZehQNWQKdcfBMc4UBIYII0PaVoZHhpV0m28ld4FfdH4DxSqGKjmgobTUa7qhUFW7fUEjVU0iLJlYsuvBjVoFO69KcAU3mTGhAVsBFJEgEASsDE0CFUYItPNQXxTNUONWmEMJFoQ2mJbwMHjWfgzvjJjD7WDgHjliIlbNMCSsFTA0ydJq68aV0Mq9irmxbq6VrSbdlLCa9BXKJOgRgbpIIVQjWKM2aFOvybhmqi3FsdoEgFr\/10ZeoyxI2GEKEs7wGjoGsfGXA1hACBKYZK5jDkb3WQgJEcsPaBwJneMIqkVgQYkmKb\/T5x+03nUujhJLaLO\/\/paOZmtS0KxbAAfTtgpwFTKKfRQIxCT9q8A7fwVcf0IuKZeJC6baUPUFWO6rDeA+mYBDC0E\/GFSC9ig3SuBkP4Xwa6RBYvQq9kqECpwZLOOSQPou8Zjgo22hydFhG20EVuA6uNZ8mW4zkLCpS+q6b81aotocHJWhMtgA5T6KZxkgXKMstCFAXiAHSGmkHsG2yUNb+wV6kG2RMGhAqIz4g2Y\/Gg6E21MYTiBkNbDi\/G3ojL9p8BxGtqQr1vntb7vrIz8x9dapu6OkPXRl9H+AabAfTPeBc+h78cUL2hg2Ng5R38a7QFwh5PBCs0Jjv40\/if12YIijAjiZHtvpEDz4A3uSRg0KxgEhIRXfsr1Aytvezm7\/Gvgq2AMQZ5RsDOhbKNRm+YQRkIRXm+rzOMZbEEckTZHw1Q5KLa1dRdY07AKsB+pWi1jwXW6cal2TJfkq85+Y\/8NcwA0K8P7A5VCVgagPosxG\/Sxfw5e5JQzgAbaGkhwZeMm3PmLbutBmN\/gOMWwynM8ZwSmWRCnK5kg6SDsBP4Vsj7IgMoqPj6fkYTCkJtC7y1uwIMnQo9S7+3zE3fLwt7cvDl+cvByoghdbVwlDbfLvBb9nPa2yIXrcISSqoygk2W8kyRBFmCmNqKBWv8S88MUV6rIj4\/WNJr+hdZr2q9W+NloWtEDTqK6v6Ev9iK+lm42llZZ+lq6\/yv6Fcu7u0Bjar0SoYdXqY9ra2T6T7h+kKJ\/eWKqaG5iU5Gg7HNm9hTAoNBaMYm9p0gBCoJBmgH0UfAz5GdghFfvCVo1VO3VWAZ2OtVJefOYv16i2rQi6GfoC3yZXkW+qqtWmVp0VvdKS0cUAgrdCVaUqyaDGWIjE2L4NzsJWuRVjQ6jgJilQlnGNW4HLVbZ1afyMr49uGcv8Ennep8DljmPV7+rrk4gqi4Zbgz7MFCy2HSA5qf\/8+EiqqYwHbXgJOqF9wb1DO+BWfgf7IOhvTug4e3GhX92C30eGrIfNh6yHnSzuX80+5\/vG6BWk9sL6evVeHa7bsqo4MvklIBCXQLl8LaJKV5DF4DeatV3VkWt1\/VUJPT1yWa5cNdYastRc5C427HpIpp7rq+40NU3CtboKG\/byKipra\/6yo8mCaUqXDPr5P2xean8JvAwlEkEsRFU0rIVaDI9byDJ7RbjUVx3EMdiK8UPGClvGAU2x9tCu5T\/qVJwqaUZgiCf9xhjJ0Nvs1wg5EvWRwZ0GLJvDIXpE+VutUllVbb1Wq1Qv0SaD+BjSwHF7FIboc4wkmAOJzlmyQ2pbTWrKnCC2qyGJRHHO5LJIhTIEWpOqhiPhz1N6W7IkfFF7hr5MKEGbiMJ6YC0A0LSUQXcRQ\/Y\/0E+jEqnzOMaYnD9AhvCQNkbsIFj9n3Db34++TX0bzqENAiGyuKH\/HV63vtMXDrzdSSls854tL1MopOEO2kAr0ALvNSmcAA9IAhFAcrgF3g\/eT4BRSNlOg0FRxoC6Q4AX8D67AxCF1INoiyeADR9wkDKhEMMmqZg5EEKO2MgaJbGsQBI2fxUskxKnaTVa0dpE25A0m7poVfF1ukWMtu5GeH4FCYTXg8L4XW8ftTgYEMYCATZK\/ILkM\/qXnEsNe0l2X5kGm2h10QQ6penqeVhVNy4Nrnc02FnuhBo6CR5E\/tZSdXmZumo2eRX5eRwMo7ts0IJ3GasQGAhiazKuCkEJQHAS+W+WwtttahUbxMEk+iUbyNBv6DuBrO822vTG1pYhsW2jSp0DZWrVuCqAWVAEs95vyB8cG37\/1gd+JpO\/Dx9jIhZn6h3QoS\/fo\/UZY9w7tDEsGBhY4q2f3ALut5\/EVGzpLmVra6tCKQ3QKiPask8H6ssXZKpiU01WC63zKwTqtGmVYwU14mD+MOSCenBABQMJMAR+ieD77Z3suD7cGLbDFqE5CKXjBGkN1H1oX4Va0jbubll1or1FImp2p880rDWmbcjkoiIJjr4uWzWqrUtlxamtNRHtmq8NqXFdFEIgWt\/+8thy8iJTBXUC3G\/8E2K1ocICm5E4HDxo\/CmCtVHKgEPgGetXcfZdK1Etci18XjNqbdtsO8\/WymoFr+mnoYVUt68OmgQ5giHBMGRGtH6OwQI+cBr8W1txOow0ogBJapqwYdTpDZb2N1lkcMAQiO7YgugsG2HaTrmVBv8WtfCwssXHVGgdfCfyFbtJmSy+vTbkDPwEM+F8SPVDv\/k2bQu6jd\/hEJWA\/NbKfc2QuuVKWxtv1ZCFlqRerbQayHpNC6uoqaB1AiW1xlm0VpdBU1kk2tYzqBY2CTX0otWB4PecVx1cDsAGZVg42K7\/FxDEazHwrQxw0E8R1IKvGj7DfD1cR\/T2BfsSuYA\/azSoBvIF+fTaP+TsIB4eGWMHh30Ptunl2Lqvsx0fGdj1k3roQzqHs5X717bofjKhRewRhWyNyqAtlVXQt+o36GtMx9BX6yuSjn3LluW2uT4GDIvBMZ5GKIHEGZMIKrgaqQVVv+rI21dauqLiVr0jk+vyUsUATQH0KdxqX63PAQKOYdxfgZjzqm2wzD36IBMWBNYKjlfwVtAKqmY9ABnBGB4MIShu83UG3tMWUKJf5iDK6qTjZ60+qKT9As4iafouG1M1E10bUB5Q7tft1pJuG7jV12oZwGHrtiG0\/FYDJ4Sm3iBW2jV5WbtCscCQN8pmxa\/xbd1UMVmyvuNbH331514beKHvldTC25EPmWEFM8zWmuQs3V\/PbOyoiacTHawiqwa3Et0gXiZajIo0DfnqylJLciRKj1RGz5OqijZbV1R9wWksL2yAK7QqODSBc0GKtwlIDwcRSt6qvOMKIaPXApdImyRoM1zTzvAc1QTLBDJUZdvwRaMRWCM23vJNYaWvzl8GFZwm7eELgoJV+8GWSlRjdLJFXY2cZr6tbbz0nPRtxukLU6Z9NfxqQO8LsSa96pOhgxLAxwwI5PaLJMJFCGBbd4EmBlW7jNvUCAR3Wb+OAA0Cm7ZsCH7HeB6gEgQOpWNRMGlOoqcvXW13UJm19CZfb1Qs9Aq9FGjz62Bt51\/Tq+gSJfmUfpYPNgPQx7JOyMCa9xBDyCQ3Ym8VdtqCoQ+DrHXBOR9Yb6ySn29aGnNmSTEUdH1kfdgegAjNIlRrB9HX8TWGMF0AfczglnvW7lI0g8LBr5gHHFnndYvDwXuthxxT5VjVguBDaEolr+K0HVTgJ8DX0XdremOlrl2U\/K3X6kM6pg44o2yAMNiQyncowycDbJvJWajT1MyLfWXnNFdtVYzKmiLoa+iGIdGqamnfkhRjVaoSl2RS1cqfwxrGBY6jQoiuPDeclF\/EVkhz8C3IixRG9lvbfS3fCP8QVW7X0NfUi4OTFAk1n5\/dgZedC3QHWSUo5BqJkxq8m6iSCDVOAvtKP3Q01rAkBoNxZ0AJUD5jF6vRPnKAZ6wr5GLfTt7hOTxJOAjdYpsyFQybMEJonXuaK+8G94Cv4oBrMnpAI+xQg60tm1erqy1TbjdUua069YaCtCsNq76OLHWauKwvE8\/Ur6BVpWGvtNbRZ7gKvRg97b8ktCIyqLJ+PMzijAZx3oZBmiBNYoMKaGFshDcDnB3YmEA\/RhC0ReCQI7KsXxkO3NfvR3eaYXxnZZi4BwdFQycIDSMVwIKfNHfgEtr2axa+xmmG7Ccc1ofLkATQvB+XGVTVlWCFIjthCB4yd+FWO4hRzDqAIGcmccfwKxbVIWjwObOBGSi1sWUdhgxaViuMyYfBjPmTsMk03iaRVymdcsJt1FBhi2kO1+FrrDV4gdywFEzz36X5cVA090Bb4lQ5hIPfMB+FjsHxkkqAg+ZXoN3CMUKisXqIAmPW16HZIds4YBjAKKRq4yBg\/jQEbYLQSQLsNQah6ZBtP9726QYFho2\/InQzpIVojKjqTdIxCPBnxn8nHJlESUPxmTYB5o3PEsDCcX7I4lvnCPAFI0SYiiDzfoOsmRB82VChquIKx6s4BAWDIwwT1VhcJSH4LwZK0B0Mdx3EtdpvEmZER\/UNcoUgsCAB1o13EsBgWHxIbrqrHp814gTo+IZMQqqQ4DPGYUJt4zoENklgBg1BzfgdaGg+DBCyTYBXjd+H7mIOQWhQMwnwO8afQNWxKxRmkZDFwbLxKpQtDtgYBYB5AWpW3yrhYLRKAqaJQdAwZKiZqM431CEc\/JHxd5AxNcoyWTBpvo\/QFUrCbIrztwiA+XXfGlC1EPhd8yCh242QCqCiEHaDWIcG53cURWLWaRIJYiQOkJBBQMBaWwmrQ3VwTuFYcNmkiLqKyKSja2jHB5CAQZB+w4HgsoETjkIB22foEDxj\/BEECoEAWndY8D5DJWwFWizOmMEQNb7Y0FCn02mPga3GQQj8pF\/HTMUSVNSiiB3SB\/DBMmrjzAAQaN+KamnmV4wvo4ZgkqvMKb\/JojiuEz6yzX4O\/Ib1MaIzVIGGJS2voatrtsbW6GeJZnuBXlg\/h13V7JagGzru+NVgjedr1KpVM536oIwZBpTCNXzdNGW8MWCa5Hq\/EjxLGwypXHvZXBtcEyqDVUarYyaPk3VbM1QFtiiEaS1b6+V3tTkz3GLV0TY8g1vKtpeaL6tsDZrhFi1d8bXYVcP88taKXeGo2lAF6I5U7nQApmNGCGxdNDurGteMNDjAspTjk\/g1xuQaQjBAW0P+gMNdnKIttJ8gSAVfCZ9VZXhJ+U6g1bHsDqYNd\/xlwiEQhDUjKM5a9uXBBbIekfxVg0c5jgBkUBO2bfXhAk\/1a8SEGaTCwT7kbTjvg85OgkLuJneQEJ2UKDWAUbbQHqLTNk9FeODTCNzp+6vumq3vsrPILSh1M2B0zG\/Di4QZo8XI4Bjl0N+mG+ZZ0sQkozlQhlUfzrI0INeZDmcJJB3kbbJBEb5VP8FVuWHS6Oe2rVIRI0TtJAlCxUFozGfjq6TOEOjIuG8LyjSDBMNgH276Nd3m\/bTs74C7cIa237qy0wzhzaGr5BVSHUJg22kxCDlGIoNLrAP6le34dm1Y4hVEaqDDKon5OjuIERnKhlxRWDSoj4XvRreMTeqTba41hgy3mTpU\/Wb\/t3xXl9Z3dti6JvEtzMJXmxVBstVIlWroy1W8ARFKg+umLrOVP5U7qC5V7IaqonVzo7zMN02zzlXGGp2lgYsPdFjb14oYeM3WJKK6ITVeVFobobph8yZaM4kKY2KqVaaWZdt8qfGqtYLonISdqWlKlUKxNuEQCrmhr3Pgl9BjiAyIdaXDVQIoQxBBldQDsqryJHgQ\/QNEBcgS52KD2k4I\/gP67wFcJihLUCENPof+nGPbAuJjAGxozqC5pJs4+Cx6zAFVyBrUINCsbztNS6JeRSvNinOp0neepYi6H0U6AYqQCJtgKSkkEAzsJxk7sAWaTB09Dc46QaexBFqEbtZ1TWOuXVHLVaO52lRUKNt6W8VhiCApiwnZ21q4ZKwPdjY05\/L2hiavgaatG0iTUQYlvFytE5V70XEVL1dkBMhS+drL9Wb7FWyBasEVVsFWKUe9xL7A1q3Whb9dKl\/FGxx2VdswbOoVre67SmC4hZdNjVZ9XwdK0wRfFVasa0KdOku1dQ1RQpBcZFTMz\/n29TMURpOaosTgDrY5eE1QBFrZ2Rw4SzhWMKjdZeBrgXOjy6zFkVyNoRHKGKXXrfNYk7RohujYG5hFkJhu1ZkKssS\/bJ\/1dchVfhu3ikTJpnOFNmmcCtFvAduYAWzA6F\/dwg6AHRrF0RqNTkCZVe+yR9cZnUbAT1QxmVb2+HajKL4AbYHy3ye8fTCKm7swgWYH2J\/cINt+kyKHO3wbM7bWaYwAYaVfMg2oGCYOdoSGHbym1Snpnno\/NqJE8H5ldK0P+ixWw\/F7FL+SVJHVxRc3XlBUGoJJ5\/cM1fI1KLvZ5wev4KsYYJSApjsNxUGWAjpKqwhCUChUcQx1Aw88i\/8jpquEDjGE0jEc\/CW+AwdlnDa59wGBMMhrP72yVUPPXf76Z\/\/hs6\/90cVntcvkSvtrhM1TmFWuOjVirU1pS4Tc+o76TaVp\/W5zyW4gutAPEarMqojZ6FjXeJv0QZWh0CvsWcrUK2zlXivChwEgSA1nxzeodj\/NWWRzxGAo\/xCFIEG\/jGxj7uVVwBIWON49j3l3HLyM\/ymO12mk7SdBB+7BkbABjDpfB37TpsAZ\/O9xJ6gTliRDIHM1iiHAMv44bjigxak4lIIQfA3\/LG61aQIwuoWDL+OfwdEWLuggDr6IfYOgzmvPE42Bhb4vGjbRrH5hQPBhkMBtrKrIdpu+7FN9NQIlfaDGaxSNGRSkLXIUHaMshKfD8BdxinKUx+Rt5iMkJwnK6npr5colZsNaCmisttZutYwg2InXcCfa2O5Uy+eci7pc7ZhNwvGH2QXconm2g9xDEvioAN6Kc9BQcU2S7A6q+XTqEnY3F9IoK9hggALBFjwNiSWStfwyAkEe\/gfNNPiyGTFwAtwPP6mZKFdmTD3UwQnwBHyfpvF2FWsTJuinwH+Cv6y1LKxW54Rr4QbWp2yF4Dfhk5pmoorPkYUtgMEQpGNr6x1JDciYfPW8aVaFzoiCXOQ7AspruERZWJQXCAR1502OxYc5UvNt07dbmKS28BT4PLrioB3zIn0RrPfLGDNkBF\/YSfrVt+DGXTrHk4yPCCr8FgJr2p1rG9oiXSHA2DbiZ+5J4WPctk5TdyS6bK9tnLflPrBdpVqaLpllStKkyy1rSeWWz2xQ6xt2yKBbCAs09B3gWrBqqXVQY18Jt\/2Avs+IQJ4CX0BngbqzjRkLwqsBFAnrDAT\/DX0fcExW27L17AYOvog6QD\/j8ykjEKgoi5gdwiIYFeLgj1ERIC2mJY1A8AWUAOiqz9T6ZQICBnsbAGofKrGyAcHvYgcBUoMkMqC1CfA11EKoswJGEM3tbfMD4ElwDLPX109XtPoVfQm5vFZlNOayXkcXmDXhj9c1IMuSZmMVowNqaIvWh08Dace3gUS1t17zc+HFcMehJaZvGI\/YAYpC\/WzYJhgu\/DOMhKHmsEoajsFSQxxiDDdpbWd7BA6blEEYply\/ep+wLSQZw50hOKpiWsvEW2EY6QxZgx2sGZFRFtT0SdoxaUCoSFVdpspIoI8wsldBCFj6FUrto4adkE4pAME3QPu0bCAapTk1ai3S5m2LZgOI70FAOdOIMkax1s5guBZxMqxOkaTG7+AwXiUQ\/i6SBH4WgZR036tZZawTNjMwwArogKLVWN1ShY7e3qqSyIrhOFoZ05t4kzOhQnxNr1INswkvsGW1ja6U14IrWMuUzxqr2xdZhX72Q1qwhS5u1\/RdX\/Y9b58TjMHTQwu0hmzb+gKrDKGsEVnA12ra1WUgDa\/vkHCCAJw9j5oTJmNfxpqkAcGg\/QLqPE8vooL8Tgjusj+Hwgskpk6YMg5O2ixqoXxN9kPwsr2A2B1hledXByD4in0NMTGqgtMqRYDftEnUsoKrffVLccfAwQGbRB1jaHl1HAeP2oOoRrJ1k6HBn9vPIKYD9X6Jw3gDwavCAooDydJQjafP2cMMuGp9AGtTO74U+QskUItDA\/Dl8fb4e7o7BdC2djmw2HmmJVtN1UTKutkk20DdQNvKc\/wK2rJUqs5J1hnN0C4453QVXbubwvSIzK70raEUy4TUPgwfiPTT+NYXh9ohjA2zGCQbW9sNFZgQ3yIflT\/BjDOsMOr\/uWZU34IJ9YARsHasWZKCN61quXLaNFtrK53I+bEJ8E37c1hNr7fq1tVJw7IXlwckR\/\/WGkXUOrWKodeqWItSJf5q31W8TBJjFwWbrL3tC7QyJg1evI9y+mpDfQP2EMVLfcYO3Kf6iZD+QCWI3W2xme56qyWQKGR1nuQVmgx2SI0Fw81tNVWSVNYZaA4amhxoo0pN0mFrdU1yGj5ZNxcC6+zZgBokEbO6jJzjcGiwOL0OKpYeUOAV3uLa2jKu8o2INvKzbQr3qePMMEUcB08h\/54CZ4021qpdXVxfZVSV2CBtqin\/6eCqsip1MJUyyFeNOtaUGrSDveZr0F+lvoL8jf7FpfNw2ZIVwGg0wlD9KGGEXu3vF+5jyagRW4lK1gA+qfP0GPAFGDvov0cjdRsMMICs9Af9TligxgXW2SIEyatbebyf4VHGSrFEYIiMKH5spDlA9avbdFQ2FN43CUaN\/k5AHqk7HaXlU9BWs201t7U0k13tq9+3oVq7lEHN0mB7QHW0dd3sXEOv0TWwWmusbNGNJrNmloP\/Bvy185ITZqBE9GsRndYRi1dtOhQkrfs6rENgQ\/578bcwqDqM9VmUjOvhII7baDsAQ1UKhnMR1uyHZBBVgwoB3kGiDAuYfrL1oDxgbyECclQmy8r50XqnjVtLZEWt6xENV3Sj1kYNUyZlyyi3y6besbGKetX+p\/JlYZ4vYcrAGm5TJGoprznPmVJLtmRqDZRZDdXbG\/QqacFliPlVCpy3njX1FdYkIcJagonp1jvBnxhHHQnVGm1NajSFb8gtcgVUyA1p1aq3m0sNpVNpGivYK+HaNoUCRVAET3R\/u\/fx1iDsU+8GIZWHrCTAyBVecbbQA8GtkcGRB6yd\/WHGv\/0X8HfiDwR3ohlmCOxZTfvuI6JUkKVwv0Kr2+AWzrT6KyL1zh3g\/7b+OxZGGVW8t06Tw+WgFpDZVcJNXbq2il+O6IOrZFs1W1earUs1EmhNmSj7rUAncCHcAMJgZ5jbggbNiOAD1NqdnaJ3dore2Sn6v9dO0Tu74O7sgruzC+7OLrg7u+BubRfcnR1dd3Z03dnRdWdH1\/8\/d3S98R1Yd\/ZFGdadvVB39kLd2Qt1Zy\/Unb1Qd\/ZC3dkLdWcv1J29UHf2Qt3ZC3VnL9SdvVB39kLd2Qt1Zy\/Um7kX6s4+pjv7mP5X3sf0v9vens3dUUOCzzhfdxiB1yDG2AN+wo0M5985ECVCTJwBzyF7bGlAw1RdoRC8iVqKienlBPhLdBtNn1NXVcVAWhW0RZqwBTrmorKON7RvyhVUVWQdtDsNponopFnfQAzzMm+3WyjWlKVrtORXUdtSONNSI7rRCUk4gBIqNyXTMWRdJzXctHSi2YLgm+BjlLXSdyZYH9Bw8LjzGiUk7QApTIIXnLoVMNk2hXMKL9EbW67BZvMl+xXUIBBmmZEJSBvu5zmeUuuYRRKopbdJ3argLUjZTV8FYqaEmDRqr5EsZakN3nF0xeEVoKo6bO8EfwJ0VNrK9YcC\/rYfH1jkEL7DXqJrjEZuCBXrMqmTMGyzFbvJXsIsgWQa6P+AVR6Bbd6kaAoZ\/jbECZuN8NjYAGP5wGXnPzv4WkslruhVfENvYQqrjTK8MRAcIUIjfgGC30B22fi6\/Cq4TK\/dB6bAhxzB\/V8RNI+iep\/KckAPqVRbuzKyiJCETqDkhq\/GmEIVkqjGObBDAbyD45hGYJiK0bSO4dBCZQogsq9MLptNeFWpIJeiQLAP6vZAA7Uh5jM4Fge05LPulUIqqg7glHxvI6KGO3R15OJ7ywHjbohiLIECSucVx4k06WajiakMMjAAfhXRgfMi04YAaVFKhGfDjB0hWZuooiiuOBqpo9eYmqUFLhEWcdGuQZkAjyBvR\/A2bZE1n0NcdveCTKIyNBgNkYMYqIIPow5AwGD3qS23bQu3dOs5fw2c56q0RcmmRJtIgwPQx+CMTV5lZLhGN2gbtjgdBy+Zf6fpYbjDikAwYB01GIwxmPXWV1nQZ5HG5YXWqn2heRUsGKb\/nCU1akiF6LbpnCaqTlVt2Y1J8Az4JQwL0BAlFZGMgFE6jAR9Qfxu3xDmCw9M6Ayk\/LyOKJSDNpkyNAiEq0KI64w9vEisGwvIlYFn4OWtryEb9MJAP78jgNAsbZMwpPl4DkDweTxLKaq2Ebhk1knwDfyjlMAwAr2N65cSMoTgCr5KwWGORViKzoFPYf+VMm3LrzBV3ZTrchO32jLqvCTXNHKdtJabZe2F+msmadlgA5csSXPQttqmLCDTunCNwIXXrBZxiauwlv0SvehUcNNq4KZe55t+g2z5LN8F2jTrsGY2sNXQOeIK3WR1Evyd+WENvGK1G2X7+Ual3NwNCPASur5dHcIehow1LiErmibXNRnVyarZJuWWRCw6tY2OoKBtVtL1PkdWMVu30M52exckFdbpl3hFNzBFQIKqI\/P+nzAiCmVtbfiDPhhojpo61tHkDq75VaQV1R2z3bawSQzk7SQECHD6u0+tj8At+gAyKE9QO4ejMMS\/Vw+j\/ULCLzASgwU2SDJKBGnY12LVu0OABu93GqPIqG\/U3hoMOD46wvLEOEn4dhIf4QSsn0HsERM1g4Nd7SgdbxhrWIVs+zvWJfKy3ao39XWirFd8F8AKbfjOw\/PMOkRJDVQJBavTYMP+E5J36CuN1\/CWYVm4Yxg8AVbsj5HSEMSaAvCpPgL8O\/sZIpSkOdLy4bSOg9\/FTlMLjDOpbgmBP3Z+yvK3ORisBl4hTHhBb156Qb5iX2xdttuh15ANo4G81LjsrEfAs\/aXLcNkypyB4X5AhXycD2V0wfE1WJIEfRLnuNlcaNMrfBPpzP7Io\/TDq2fmioWZmdnZmeJMtzh7+4\/igSf2F2bmSrOzhdk355gpPjw7PTszNztbLLxZHGdOFqa954JbvP0sCzOF2WJhZnamWJxx+\/H2a+rympmfLZRm3qyunJt9qjQ7O1cozM2WSoXZ4pvBszg\/Xyw+XirMzc66sXL7FZ2bL87OFqcPPF18fLYwUyq8Cdade6o0N3\/qiYfnnpwpzc6U3pzenJ9\/6unSyULpwPx8ca70ZnjP\/Pypp06VSsW5wnzXmf6FdLAZybDU7cL54tyTc70UfLtZzpWKJ\/fPnpyZnS3Nzd6CWTchiOaePjXvJbn5uVLpX9ZiM+L2qZKbCoqFN2XI6jls6alT3QxQmL0ly26KlsW5YqFQnLu1zizObIaWszNuXMzP\/IhpwyZHyamnZmcL7lhyi0PdJrjsqfm52ULhloXfpCiZL\/bsdQsJb3NYFueevD5m\/YssS5vgP3NPl1wVb53S62VZ\/OEuOztXcid4t8V\/ioXCDw4lM8XCTGn2dvlP8QfsMjc\/\/\/qs9cb9x2N5a2ngx8k\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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-ndxpwakw.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-ndxpwakw.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-ndxpwakw.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-ndxpwakw.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-ndxpwakw.nxe :where(ul,ol){padding-left:20px}#nxe-ndxpwakw.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-ndxpwakw.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-ndxpwakw.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-ndxpwakw.nxe svg{display:none}#nxe-ndxpwakw.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-ndxpwakw.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-ndxpwakw.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"editorial\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A09 \u00b7 TOPIC \u00b7 prudential-regulation<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Financial Regulation Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Prudential regulation<\/h1><p class=\"nx-tagline\">Prudential regulation sets the financial strength that banks and insurers must hold so they can absorb losses and keep paying depositors and policyholders. Its rules are agreed internationally, in Basel III for banks and the IAIS standards for insurers, and then written into national law. This page explains how gaps open between the standard, the national rule and supervisory practice, how those gaps are measured, and who decides when a requirement is enough.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">7 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">The short answer<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">Prudential regulation: how the risk develops<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\">Terms used on this page<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\">What is measured, and how well<\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Canvas<\/span><span class=\"nx-register-v\">From sources to decisions<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where the evidence comes from<\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Decisions<\/span><span class=\"nx-register-v\">Who decides, and what the evidence serves<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>A loan book under scenario families<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Supervisory review console, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Prudential regulation: how the risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Prudential regulation sets the financial strength banks and insurers must hold so they can absorb losses and keep paying depositors and policyholders. Its standards are agreed internationally, in Basel III for banks and the IAIS Insurance Capital Standard for internationally active insurers, and take force only through national law, where implementation diverges.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">A loan book under scenario families.<\/h2><p class=\"nx-lede\">How physical and transition risk could reach a loan book under different scenarios. Illustrative design values.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"climate-stress\" data-gl=\"sf:climate-stress\" data-sf=\"climate-stress\" data-sx-credit=\"Natural Earth (public domain) | relief: Mapzen Terrain Tiles | design values; NGFS names as labels only\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"waterfall\" aria-label=\"Interactive map: a design loan book over Europe, coloured by a design loss-sensitivity score. The panel chooses layers, a scenario family and a horizon.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>A loan book across Europe under physical and transition risk.<\/span><span data-honesty=\"true\">Design values; NGFS scenario names are labels only, not stress test results.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/prudential-regulation\/#map\" data-nxf-title=\"Financial Regulation Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Supervisory review console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-regulation-supervision\" data-cx=\"regulation.supervision\" data-variant=\"section\" aria-label=\"Supervisory review console: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Supervisory review console<\/h3><p class=\"nx-fk-sub\">Prudential regulation \u00b7 Bank supervision \u00b7 Cycle 1<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>12 findings overdue<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Regulation Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Firms by risk rating<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-regulation-supervision-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-regulation-supervision-t0\" aria-label=\"Firms by risk rating\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Firm<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Impact<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Risk rating<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Open findings<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Intensity<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-regulation-supervision:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Bank B<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Bank D<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"4\">4<\/td><td>Standard<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Insurer Alpha<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"6\">6<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Fintech F1<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"0\">0<\/td><td>Light<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kanban\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Findings<\/h4><\/div><\/div><div class=\"nx-cx-kb\" data-n=\"3\"><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Open<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"watch\"><span class=\"nx-cx-ct\">Model validation gaps<\/span><span class=\"nx-cx-cm\">Bank B<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Remediating<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">Climate data quality<\/span><span class=\"nx-cx-cm\">Insurer Alpha<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Closed<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"ok\"><span class=\"nx-cx-ct\">Liquidity reporting<\/span><span class=\"nx-cx-cm\">Bank D<\/span><\/div><\/div><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Climate expectations met<\/h4><p class=\"nx-fk-panel-sub\">share of firms, thematic review<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 128\" width=\"460\" height=\"128\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Climate expectations met\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"124\" y=\"19\" text-anchor=\"end\">Governance<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"neg\" x=\"132\" y=\"4\" width=\"105.2\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"243.2\" y=\"19\">51 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"0\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"124\" y=\"49\" text-anchor=\"end\">Risk management<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"neg\" x=\"132\" y=\"34\" width=\"95.6\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"233.6\" y=\"49\">46 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"30\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"124\" y=\"79\" text-anchor=\"end\">Scenario analysis<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"neg\" x=\"132\" y=\"64\" width=\"133.6\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"271.6\" y=\"79\">64 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"60\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"124\" y=\"109\" text-anchor=\"end\">Disclosure<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"neg\" x=\"132\" y=\"94\" width=\"97\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"235\" y=\"109\">47 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"90\" width=\"460\" height=\"30\"\/><\/g><\/svg><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Supervisory review console: the screen's structure, terms and states for Prudential regulation.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Prudential regulation: how the risk develops.<\/h2><p class=\"nx-lede\">Banking and insurance prudential frameworks. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Risk weights drift<\/h3><p class=\"nx-p nx-mt-1\">Capital requirements depend on risk weights. Internal models, portfolio optimisation and stale calibration can make the same exposure attract different capital at different firms, lowering the effective requirement without any rule changing. Output floors and the leverage ratio exist as backstops for this reason.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Activity moves past the perimeter<\/h3><p class=\"nx-p nx-mt-1\">Tighter requirements raise the cost of regulated intermediation, so lending, maturity transformation and risk transfer migrate to entities outside the perimeter: non-bank lenders, funds, offshore reinsurers. The risk often returns to regulated firms through credit lines, funding links and guarantees.<\/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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Implementation diverges<\/h3><p class=\"nx-p nx-mt-1\">Standards agreed in Basel or by the IAIS are transposed nationally with options, carve-outs, delays and transitional arrangements. Divergence creates arbitrage between jurisdictions and makes headline ratios less comparable across borders than they appear.<\/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=\"M5 22h14\"\/><path d=\"M5 2h14\"\/><path d=\"M17 22v-4.172a2 2 0 0 0-.586-1.414L12 12l-4.414 4.414A2 2 0 0 0 7 17.828V22\"\/><path d=\"M7 2v4.172a2 2 0 0 0 .586 1.414L12 12l4.414-4.414A2 2 0 0 0 17 6.172V2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Forbearance accumulates<\/h3><p class=\"nx-p nx-mt-1\">Under pressure, supervisors may delay recognising losses or enforcing remediation. Each delay lowers the cost of continuing the risk, so problems surface later and larger, usually in a stress when the corrective options are fewest.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Output floor<\/td><td data-label=\"Definition\">A Basel III limit that stops internal-model risk-weighted assets falling below a set share of the standardised approach.<\/td><\/tr><tr><td data-label=\"Term\">RCAP<\/td><td data-label=\"Definition\">The Basel Committee's Regulatory Consistency Assessment Programme, which grades how faithfully jurisdictions implement Basel standards.<\/td><\/tr><tr><td data-label=\"Term\">Insurance Capital Standard<\/td><td data-label=\"Definition\">The IAIS risk-based capital standard for internationally active insurance groups.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">RCAP jurisdictional consistency grade<\/td><td data-label=\"Unit\">grade from compliant to non-compliant, per component<\/td><td data-label=\"Cadence\">per assessment cycle<\/td><td data-label=\"Source type\">BCBS peer assessment<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Basel III standards in force by jurisdiction<\/td><td data-label=\"Unit\">adoption status per standard against the agreed list<\/td><td data-label=\"Cadence\">semi-annual<\/td><td data-label=\"Source type\">BCBS implementation progress report<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Basel Core Principles observance<\/td><td data-label=\"Unit\">grade per principle from compliant to materially non-compliant<\/td><td data-label=\"Cadence\">per FSAP<\/td><td data-label=\"Source type\">IMF and World Bank detailed assessment<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Capital requirement stack<\/td><td data-label=\"Unit\">percent of risk-weighted assets by layer: Pillar 1, Pillar 2, buffers<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory decisions and bank disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Risk-weight density<\/td><td data-label=\"Unit\">risk-weighted assets as percent of total exposure<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Pillar 3 disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Insurance solvency coverage<\/td><td data-label=\"Unit\">eligible own funds as percent of the solvency capital requirement<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Solvency and financial condition reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Internal model variability<\/td><td data-label=\"Unit\">dispersion of risk weights for a common benchmark portfolio<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory benchmarking exercise<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Formal supervisory corrective actions<\/td><td data-label=\"Unit\">count of published actions per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Enforcement registers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/prudential-regulation\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Prudential regulation as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a09-topics-prudential-regulation-policy-c-t nx-dag-a09-topics-prudential-regulation-policy-c-d\" 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id=\"nx-dag-a09-topics-prudential-regulation-policy-c-t\">Prudential regulation: the policy cycle<\/title><desc id=\"nx-dag-a09-topics-prudential-regulation-policy-c-d\">A problem reaches the agenda, options are formulated and appraised, consultation tests them, the mandate holder decides, implementation and monitoring follow, and evaluation feeds the next agenda. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">BCBS Regulatory Consistency Assessment Programme<\/td><td data-label=\"What it gives\">Jurisdictional and thematic assessments of how Basel standards are adopted and how consistent outcomes are<\/td><td data-label=\"Licence class\">Public, BIS terms of use with attribution<\/td><\/tr><tr><td data-label=\"Source\">IMF Financial Sector Assessment Program reports<\/td><td data-label=\"What it gives\">Detailed assessments of observance of the Basel Core Principles and IAIS Insurance Core Principles, technical notes<\/td><td data-label=\"Licence class\">Public, IMF copyright and terms<\/td><\/tr><tr><td data-label=\"Source\">EBA supervisory benchmarking and EU-wide transparency exercise<\/td><td data-label=\"What it gives\">Bank-level capital, exposure and internal model comparisons for EU banks<\/td><td data-label=\"Licence class\">Public, reuse with attribution<\/td><\/tr><tr><td data-label=\"Source\">EIOPA insurance statistics<\/td><td data-label=\"What it gives\">Aggregate Solvency II own funds, solvency ratios and balance sheets<\/td><td data-label=\"Licence class\">Public, reuse with attribution<\/td><\/tr><tr><td data-label=\"Source\">IAIS Global Monitoring Exercise and implementation assessments<\/td><td data-label=\"What it gives\">Sector-wide systemic risk assessment and assessments of Holistic Framework implementation for insurance<\/td><td data-label=\"Licence class\">Public, terms per IAIS<\/td><\/tr><tr><td data-label=\"Source\">World Bank Bank Regulation and Supervision Survey<\/td><td data-label=\"What it gives\">Cross-country records of capital rules, supervisory powers and practice<\/td><td data-label=\"Licence class\">Free and open, CC BY<\/td><\/tr><tr><td data-label=\"Source\">Pillar 3 disclosures<\/td><td data-label=\"What it gives\">Bank-level capital, liquidity and risk-weighted asset templates in a standard format<\/td><td data-label=\"Licence class\">Public disclosures, terms per bank<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/prudential-regulation\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Financial Regulation Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Basel Committee on Banking Supervision and the IAIS<\/td><td data-label=\"The question\">Whether standards need recalibration, clarification or new backstops<\/td><td data-label=\"Evidence this page serves\">Implementation monitoring, benchmarking dispersion and peer assessment grades in their published form<\/td><\/tr><tr><td data-label=\"Who decides\">Legislatures and finance ministries<\/td><td data-label=\"The question\">How international standards are transposed and which national options are taken<\/td><td data-label=\"Evidence this page serves\">Comparative transposition maps and the published RCAP and FSAP assessments<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisors<\/td><td data-label=\"The question\">Which Pillar 2 requirements, model approvals and corrective actions a firm should face<\/td><td data-label=\"Evidence this page serves\">Benchmarking dispersion and supervisory review practice across peer authorities<\/td><\/tr><tr><td data-label=\"Who decides\">Boards of banks and insurers<\/td><td data-label=\"The question\">How much capital to hold above requirements and how to govern internal models<\/td><td data-label=\"Evidence this page serves\">Requirement stacks, model governance expectations and peer disclosures<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Comparative maps of how each jurisdiction implements Basel and insurance standards<\/li><li>Briefs on risk-weight variability and the backstops that bound it<\/li><li>Perimeter maps showing where activity sits outside prudential regulation<\/li><li>Supervisory learning notes on corrective action and forbearance<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What experts ask.<\/h2><p class=\"nx-lede\">Researchers on prudential regulation return to a set of core questions.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li>How much capital and liquidity do banks and insurers need, and how should risk be measured?<\/li><li>How do risk-weighted requirements compare with simpler measures such as leverage ratios?<\/li><li>How do insurance solvency frameworks treat long-term liabilities and investment risk?<\/li><li>What are the effects of prudential requirements on lending, pricing and risk-taking?<\/li><li>How are new risks, such as climate and cyber, being incorporated into prudential frameworks?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms-and-drivers\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms and drivers<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Buffers against failure.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Banks fund long-term, illiquid assets with short-term liabilities, and insurers hold assets to meet uncertain future claims. Both are exposed to losses that can exceed their resources, and both create costs for others if they fail. Capital absorbs losses; liquidity allows institutions to meet withdrawals and obligations without fire sales. Prudential rules set minimums for both, along with requirements for governance and risk management.<\/p><p class=\"nx-p\">Risk-weighted approaches tie capital to the riskiness of assets, but rely on models and weights that can understate risk or be gamed. Simpler measures are more robust but less sensitive. Insurance frameworks must value long-term liabilities, which makes results sensitive to discount rates and assumptions. Research on the effects of prudential rules finds trade-offs between resilience and the cost and availability of credit, which vary with design and economic conditions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How the evidence is built, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Comparative standards analysis<\/h3><p class=\"nx-p nx-mt-1\">Comparing international standards with national implementation, using <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/policy-science\/\">policy and institutional science<\/a>. Implementation details matter and differ.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Empirical studies<\/h3><p class=\"nx-p nx-mt-1\">Estimating effects of requirements with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/financial-economics\/\">financial economics<\/a>. Isolating regulatory effects from other factors is hard.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Model analysis<\/h3><p class=\"nx-p nx-mt-1\">Examining how risk models drive capital. Firms' internal models are not public.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Published disclosures<\/h3><p class=\"nx-p nx-mt-1\">Using firms' public prudential disclosures. Comparability across firms and jurisdictions is limited.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Costs and benefits of capital requirements \u00b7 Tracing leakage of macroprudential measures<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/policy-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Policy, institutional and decision science<\/span><span class=\"nx-mledger-role\">Regulatory impact assessment \u00b7 Comparing supervisory architectures<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/policy-science\/\" aria-label=\"Policy, institutional and decision science: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/data-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Data engineering, interoperability and stewardship<\/span><span class=\"nx-mledger-role\">Mapping templates to a common model \u00b7 Entity resolution with identifiers<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/data-engineering\/\" aria-label=\"Data engineering, interoperability and stewardship: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/game-theory\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Game theory and mechanism design<\/span><span class=\"nx-mledger-role\">Home-host cooperation in resolution \u00b7 Regulatory competition between jurisdictions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/game-theory\/\" aria-label=\"Game theory and mechanism design: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Capital ratios are point-in-time and depend on accounting and model choices. RCAP and FSAP assessments run on multi-year cycles, so grades can lag reform. Supervisory ratings and Pillar 2 decisions are confidential in most jurisdictions. Comparative work shows how rules differ on paper; how they are enforced is much harder to observe. Financial Regulation Nexus holds no supervisory authority, assesses no firm and gives no legal, regulatory or investment advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What separates prudential from conduct regulation?<\/summary><div class=\"nx-answer\">Prudential regulation protects the safety and soundness of firms and, through them, depositors and policyholders. Conduct regulation governs how firms treat customers and behave in markets. Some countries give each to a separate authority; others combine them in one.<\/div><\/details><details><summary>Why are Basel standards not law?<\/summary><div class=\"nx-answer\">The Basel Committee has no legal authority. Its standards bind only when legislatures or regulators adopt them in national law, which is why their implementation is monitored and peer reviewed.<\/div><\/details><details><summary>What does an output floor do?<\/summary><div class=\"nx-answer\">It limits how far capital calculated with a bank's internal models can fall below capital calculated with standardised approaches, which bounds the benefit of model optimisation.<\/div><\/details><details><summary>Are insurers regulated like banks?<\/summary><div class=\"nx-answer\">No. Insurance liabilities and risks differ, so frameworks such as Solvency II and the IAIS Insurance Capital Standard use their own measures, though the aim of loss absorbency is shared.<\/div><\/details><details><summary>Why not simply require very high capital?<\/summary><div class=\"nx-answer\">Higher capital increases resilience but can raise the cost of credit and push activity outside the regulated sector. Calibration involves trade-offs that research tries to quantify.<\/div><\/details><details><summary>Are banks and insurers regulated the same way?<\/summary><div class=\"nx-answer\">No. Their business models and risks differ, so their prudential frameworks differ, though both aim to ensure they can meet their obligations.<\/div><\/details><details><summary>Does the platform interpret prudential rules for firms?<\/summary><div class=\"nx-answer\">No. GRA is not a regulator, supervisor or self-regulatory organization, and it does not interpret rules for individual firms.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Financial Regulation Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/market-conduct-and-consumer-protection\/\">Market conduct and consumer protection <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/macroprudential-policy\/\">Macroprudential policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-technology-regulation\/\">Financial technology regulation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/supervisory-data\/\">Supervisory data <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/cross-border-supervision\/\">Cross-border supervision <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-crisis-management\/\">Financial crisis management <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/\">Financial Regulation Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Financial%20Regulation%20Nexus%3A%20Prudential%20regulation\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/prudential-regulation\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/prudential-regulation\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What separates prudential from conduct regulation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Prudential regulation protects the safety and soundness of firms and, through them, depositors and policyholders. 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