Nedbank has a Damage to Physical Assets scenario guided by experts that is reviewed every year that covers events in which the bank might, in part or in total, experience the loss of its property portfolio (ie its buildings, including contents) as a result of intended or unintended disastrous events (factors in extreme weather) or other circumstances (terrorist attacks, arson, etc). Frontline clusters have litigation scenarios that involve regulatory bodies and third parties instituting legal action against the bank that could arise from intentional or unintentional process deviations, contractual breaches, unacceptable business and/or market practices resulting in subsequent financial losses and reputational risk.