Risikoappetitt
Risikoappetitt, or risk appetite, is the amount and type of risk an organization is willing to take in pursuit of its objectives. It guides strategic decisions, capital allocation, and risk controls by balancing opportunities with safeguards. It reflects the organization’s culture, capital strength, regulatory context, and stakeholder expectations. A clear appetite helps align strategy with day-to-day risk-taking and accountability.
Typically, risk appetite is formalized in a risk appetite statement approved by the board and senior management.
Measurement combines qualitative judgment with quantitative metrics. Tools include risk appetite tiers, scorecards, dashboards, scenario analysis,
Examples: a conservative bank may maintain a low appetite for credit and liquidity risk, while a growth-focused