5 impact domains with appetite metrics and KCI linkages. Reputational risk is explicitly positioned here as an impact, not a standalone risk type — per OCC, Fed, and FDIC 2025 guidance. Board risk appetite is anchored at this layer.
Drivers, Effects & Impacts Framework — Layer 3
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Impact Framework
The downstream consequences that matter to the firm. Board-level risk appetite statements are anchored at this layer. Franchise & Reputational damage is an impact here, not a risk type.
