{"id":47,"date":"2026-10-17T10:36:10","date_gmt":"2026-10-17T10:36:10","guid":{"rendered":"https:\/\/globalriskalliance.com\/financial-stability\/?page_id=47"},"modified":"2026-10-18T23:42:12","modified_gmt":"2026-10-18T23:42:12","slug":"programmes","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/","title":{"rendered":"Research and industry programmes"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/financial-stability\/programmes\/ \u00b7 source template \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"application\/json\" class=\"_iub_cs_skip\" id=\"nxe-water-data\" 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\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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>A-P01 \u00b7 PROCESS \u00b7 programmes<\/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 Stability<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Programmes and projects<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Research and industry programmes<\/h1><p class=\"nx-tagline\">How Financial Stability organizes work into programmes: global priorities, regional applications and country work, each shown with its actual status.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/global\/\">Open Global industry questions <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-stability\/\">Back to Financial Stability<\/a><\/div><dl class=\"nx-facts\"><div><dt class=\"nx-eyebrow\">Publisher<\/dt><dd>The Global Risks Alliance<\/dd><\/div><div><dt class=\"nx-eyebrow\">Field<\/dt><dd>Financial stability, Risk management and systemic risk, Capital markets and investment<\/dd><\/div><\/dl><\/div><div class=\"nx-hero-rail\"><ol class=\"nx-lv-rail\"><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/\"><span class=\"nx-lv-rail-k\">01<\/span><span class=\"nx-lv-rail-t\">Question<\/span><span class=\"nx-lv-rail-n\">National, regional or institutional priority<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/stem\/\"><span class=\"nx-lv-rail-k\">02<\/span><span class=\"nx-lv-rail-t\">Evidence<\/span><span class=\"nx-lv-rail-n\">STEM foundation of the platform<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/foundry\/\"><span class=\"nx-lv-rail-k\">03<\/span><span class=\"nx-lv-rail-t\">Build<\/span><span class=\"nx-lv-rail-n\">Nexus Foundry<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/community\/\"><span class=\"nx-lv-rail-k\">04<\/span><span class=\"nx-lv-rail-t\">Organize<\/span><span class=\"nx-lv-rail-n\">Nexus Ecosystem<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/universe\/\"><span class=\"nx-lv-rail-k\">05<\/span><span class=\"nx-lv-rail-t\">Test<\/span><span class=\"nx-lv-rail-n\">Nexus Universe (independent site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/reports\/\"><span class=\"nx-lv-rail-k\">06<\/span><span class=\"nx-lv-rail-t\">Publish<\/span><span class=\"nx-lv-rail-n\">Nexus Reports<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/trust\/\"><span class=\"nx-lv-rail-k\">07<\/span><span class=\"nx-lv-rail-t\">Decide<\/span><span class=\"nx-lv-rail-n\">Competent authorities and institutions, through Nexus Rails<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/\"><span class=\"nx-lv-rail-k\">08<\/span><span class=\"nx-lv-rail-t\">Renew<\/span><span class=\"nx-lv-rail-n\">Corrections and the next annual agenda<\/span><\/a><\/li><\/ol><\/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-s-3-sec\"><span>02<\/span>Scoping to review<\/a><a href=\"#nx-sec-field\"><span>03<\/span>Activity and exposure in Europe<\/a><a href=\"#nx-sec-levels\"><span>04<\/span>Three levels of work<\/a><a href=\"#nx-sec-pg-nx-gra-a-p01-pr\"><span>05<\/span>Financial Stability at global,\u2026<\/a><a href=\"#nx-sec-status\"><span>06<\/span>Every programme shows where it stands<\/a><a href=\"#nx-sec-terms\"><span>07<\/span>Terms used on this page<\/a><a href=\"#nx-sec-pg-sources\"><span>08<\/span>Where this page's references lead<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" 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\">Financial Stability programmes organize its work on financial stability, risk management and systemic risk, and capital markets and investment at three levels: global priorities, regional applications and country work. Each programme shows its recorded status, from exploring and forming to active, paused or archived, and a plan is never presented as an activity. Countries take part through their national programmes and the Consortium Secretariat.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A-P01\/programmes\/#workflow\" data-nxf-title=\"Programme state\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"risk\" 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\">Canvas<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Scoping to review.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Canvas<\/strong> \u00b7 scoping to review<\/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-a-p01-programmes-policy-cycle-t nx-dag-a-p01-programmes-policy-cycle-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p01-programmes-policy-cycle-t\">Research and industry programmes: the policy cycle<\/title><desc id=\"nx-dag-a-p01-programmes-policy-cycle-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.<\/strong><span>A programme from scoping to the owner's decision. Design, not a record.<\/span><\/p><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" 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\">Geography<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Activity and exposure in Europe.<\/h2><p class=\"nx-lede\">For research and industry programmes, in GRA's spatial-finance reading, the map opens on population density and night lights with built-up and settlement extent from NASA GIBS, framed on Europe; 4 further NASA layers wait in the list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"europe:finance\" data-ml-points=\"on\" data-ml-src=\"finance\" data-ml-plan=\"p-ae4a876e\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-25,34,45,71\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, Europe: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies, last day<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"nD8AHC9C+3M3ObZpd9R\/Lxb2bo29sfEuijTslQu3cAY=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For research and industry programmes, in GRA's spatial-finance reading, the map opens on population density and night lights with built-up and settlement extent from NASA GIBS, framed on Europe; 4 further NASA layers wait in the list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (5 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Active fires and thermal anomalies, last day: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P01\/programmes\/#map\" data-nxf-title=\"Financial Stability live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-levels\" class=\"nx-section\" data-hue=\"risk\" data-tone=\"alt\" data-variant=\"split\" 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\">Levels<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Three levels of work.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Global<\/span><h3 class=\"nx-h4 nx-mt-2\">Global work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/global\/\">See global work in Financial Stability<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Regional<\/span><h3 class=\"nx-h4 nx-mt-2\">Regional work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/\">See regional work in Financial Stability<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Regions<\/span><h3 class=\"nx-h4 nx-mt-2\">Regions work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/regions\/\">See regions work in Financial Stability<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">National<\/span><h3 class=\"nx-h4 nx-mt-2\">National work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/\">See national work in Financial Stability<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Countries<\/span><h3 class=\"nx-h4 nx-mt-2\">Countries work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/countries\/\">See countries work in Financial Stability<\/a><\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a-p01-pr\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" 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\">Programme levels<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Financial Stability at global, regional and national level.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Level<\/th><th>Financial Stability focus<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Level\">Global<\/td><td data-label=\"Financial Stability focus\">International stability work<\/td><\/tr><tr><td data-label=\"Level\">Regional<\/td><td data-label=\"Financial Stability focus\">Regional banking linkages<\/td><\/tr><tr><td data-label=\"Level\">National<\/td><td data-label=\"Financial Stability focus\">National stability reports<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-p\">Financial Stability programme work is read against FSB (vulnerability assessment, nonbank leverage and resolution standards), BIS and CGFS (international banking statistics and committee reports) and NGFS (climate scenarios for central banks and supervisors). National entries would draw on BIS statistics, sector aggregates and network models, and each would state which values are observed, official, modelled or unknown.<\/p><\/div><\/div><\/section><section id=\"nx-sec-status\" class=\"nx-section\" data-hue=\"risk\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Status<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Every programme shows where it stands.<\/h2><p class=\"nx-lede\">A programme is shown as exploring, forming, constituted, active, paused or archived, according to its record. A plan is never presented as an activity.<\/p><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" 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\">Key terms<\/span><\/div><h2 id=\"nx-s-8\" 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\">Programme<\/td><td data-label=\"Definition\">A group of related projects and activities managed together to obtain benefits that managing them separately would not, in the sense the Project Management Institute's programme standard uses.<\/td><\/tr><tr><td data-label=\"Term\">Programme status<\/td><td data-label=\"Definition\">The recorded state of a programme on Nexus pages: exploring, forming, constituted, active, paused or archived. A plan is never presented as an activity.<\/td><\/tr><tr><td data-label=\"Term\">Country ownership<\/td><td data-label=\"Definition\">The principle that a country leads its own development policies and strategies and coordinates the actions that support them, set out in the Paris Declaration on Aid Effectiveness.<\/td><\/tr><tr><td data-label=\"Term\">Systemic risk<\/td><td data-label=\"Definition\">The risk of disruption to financial services caused by impairment of all or parts of the financial system, with serious consequences for the real economy, as the IMF, FSB and BIS define it.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section\" data-hue=\"risk\" data-tone=\"alt\" data-variant=\"split\" 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 this page's references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"protocol\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/www.fsb.org\/2025\/07\/fsb-publishes-recommendations-to-address-financial-stability-risks-created-by-leverage-in-nonbank-financial-intermediation\/\"><span>FSB Leverage in Nonbank Financial Intermediation: final report (July 2025)<\/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><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/data.bis.org\/\"><span>BIS statistics: locational and consolidated banking, debt securities, derivatives<\/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><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/www.ngfs.net\/ngfs-scenarios-portal\/\"><span>NGFS climate scenarios: long-term Phase V (November 2024; Phase VI announced for 2026) and short-term scenarios (May 2025)<\/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><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section\" data-hue=\"finance\" 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\">Pages<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Pages in Research and industry programmes.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/global\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Global industry questions<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/regions\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Regional exposures<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/programmes\/countries\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Country readiness contexts<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-11-sec\" class=\"nx-section\" data-hue=\"risk\" data-tone=\"alt\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>How does a country take part?<\/summary><div class=\"nx-answer\">Through its national programme. Country enquiries go to the Consortium Secretariat at <a class=\"nx-link\" href=\"mailto:contact@therisk.global?subject=Financial%20Stability%3A%20country%20programme\">contact@therisk.global<\/a> or a regional desk.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-12\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-12\" class=\"nx-h3 nx-mt-2\">Around Financial Stability.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-stability\/about\/\">Industry scope and publisher <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-stability\/sector\/\">Financial discipline overview <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-stability\/research\/\">Professional research <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-stability\/innovation\/\">Technology and emerging practices <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-stability\/readiness\/\">Resilience and finance readiness <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-stability\/tools\/\">Analytical and data resources <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-stability\/\">Financial Stability 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-stability\/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-13\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Stability<\/span><h2 id=\"nx-close-13\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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