Learn to measure your own risk. Then act on it.

Invulnet is a 24-month program that builds your institution's internal capability to measure, manage, and govern physical risk across your portfolio.

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THE GAP

Every institution that holds financial exposure to a portfolio of buildings — as insurer, lender, or owner — makes consequential decisions without a consistent, auditable view of physical risk: which risks to underwrite and on what terms, which assets to acquire or exit, which to retrofit and in what order, how to allocate capital for resilience.The information exists. The models are open. The gap is that your institution has never built the internal process to run them on your actual portfolio, interpret the outputs, and act on them.Without that capability, every decision — about growth, about capital, about resilience — is made on judgment rather than measurement. And when a regulator, a board member, or a counterparty asks how you decided, there is no number to point to.

WHAT CHANGES

Invulnet builds three capabilities simultaneously inside your institution:Analytical capability. Your institution learns to score every building in its portfolio by physical risk — a consistent, comparable number that ranks assets, flags concentrations, and supports decisions about what to acquire, what to retrofit, what to exit, and what to insure. For institutions where it is relevant, the same system produces probabilistic loss estimates at defined return periods. All outputs are traceable to their inputs and explainable to any stakeholder.Management capability. Your executives learn to convert those numbers into decisions. Which assets to accept, condition, escalate, or reject. Where to allocate capital for risk reduction. How to evaluate growth scenarios against risk constraints. They brief the board with quantities, not narratives.Governance capability. Your board learns to set risk appetite as a measurable threshold, not a policy statement. They define constraints. They oversee portfolio risk using structured metrics reported quarterly. Risk governance becomes operational, not ceremonial.

24 MONTHS. 8 QUARTERS. 24 SESSIONS.

Q1 — BASELINE.
First consistent portfolio risk view. Risk appetite defined as a number.Q2 — TAIL RISK.
Survivability assessed. First constraints imposed by the board.Q3 — CONCENTRATION.
Geographic clustering mapped. Exposure limits introduced.Q4 — DECISION RULES.
Asset-level thresholds defined. Accept / Condition / Escalate / Reject.Q5 — CAPITAL ALLOCATION.
Intervention scenarios evaluated. Capital directed to highest-impact risk reduction.Q6 — RISK TRANSFER.
Loss distribution aligned with insurance, reinsurance, or credit risk structure. Protection gaps and concentration limits identified.Q7 — STRATEGY.
Growth and acquisition scenarios evaluated against risk constraints.Q8 — INSTITUTIONALIZATION.
Monitoring established. Governance formalized. Independence certified.Each quarter: Analyst session (3h) + Executive session (2h) + Board or Risk Committee session (1h). Same data, different resolution. All sessions use your actual portfolio.

FROM HANDHOLDING TO INDEPENDENCE

Months 1–12: Invulnet provides analytical coverage — executing all modelling runs using your portfolio data. Your team learns by working alongside ours. We do the modelling. You learn how and why.Months 13–24: Your institution hires or assigns its own analyst. Invulnet coaches. Your team defines the scenarios, prepares the data, and progressively takes ownership of the analytical process.Month 25: Invulnet steps back. Your institution operates independently. You license the analytics platform directly if you choose. No lock-in. No dependency.Independence is the product.

BUILT ON OPEN SCIENCE

The platform integrates established open-source engines — OpenQuake for seismic risk, CLIMADA for typhoon, and adapted flood models — into a single, auditable, decision-oriented system.Open science matters because it is explainable. Every assumption is visible. Every output can be traced back to its inputs, questioned, and defended. Your regulator can audit it. Your board can understand it. A counterparty can challenge it and you can answer.This is the scientific infrastructure of the global academic and development community — the Asian Development Bank, the World Bank, UNDRR, ETH Zurich. Invulnet operationalizes it for institutional use. Your risk analysis rests on the same foundations as theirs, and that is verifiable.

SCOPE

Invulnet does not price insurance. We do not place reinsurance. We do not process claims. We do not sell a black-box model.We build your institution's capability to understand its own physical risk — so that every downstream decision, whether it involves insurance, capital allocation, retrofitting, or strategic planning, starts from your number. Not someone else's.

Built on OpenQuake (GEM Foundation, ETH Zurich) and CLIMADA (ETH Zurich) — engines used by ADB, World Bank, and UNDRR.Invulnet Foundation, Inc. is a Philippine SEC-registered nonprofit.Program designed by practitioners with direct experience in ADB physical risk analytics programs.

REQUEST A BRIEFING

A 45-minute conversation about how the program applies to your institution. We will contact you within 48 hours.

Thank you for your interest!We'll be in touch within 48 hours.