Integrated Risk

Definition
Integrated Risk refers to the coordinated management of multiple risk types—financial, non-financial, operational, and strategic—through a single, connected framework. It focuses on how risks interact and compound across domains rather than being handled in isolation by separate control functions.

Context
In banking, Integrated Risk unites regulatory, credit, market, operational, and geopolitical perspectives into one risk view. This enables management to evaluate exposures, dependencies, and potential contagion across clients, business lines, and geographies. Within CNRM, it links client-level and network-level data so that structural, behavioural, and contextual risks can be analysed as part of one ecosystem.

NSR - Network and Structural Risk

Definition
Network and Structural Risk (NSR) refers to the exposure a bank faces through the interconnected structure of its clients, counterparties, and ownership networks. It captures how changes or stresses in one entity or sector can propagate across the network, impacting others.

Context
NSR analysis helps banks understand not just individual client risk but how those clients connect within broader corporate, geographic, and financial structures. It supports the identification of concentration, contagion, and systemic vulnerabilities—forming a core analytical layer within Client Network Risk Management (CNRM).