Tapsrisiko

Tapsrisiko, often translated as loss risk, is the potential for financial or other adverse outcomes resulting from uncertainty. It covers the risk that actual losses exceed expected levels due to events such as market fluctuations, counterparty defaults, operational failures, regulatory changes, or external shocks. The concept is used across finance, insurance, project management, and corporate governance.

Loss risk can manifest as direct financial losses, but also indirect costs such as reputational damage, regulatory penalties, or business interruption. It is distinct from opportunities risk, as tapsrisiko concerns potential negative outcomes rather than upside potential.

Assessment involves identifying exposures, estimating the probability and magnitude of losses, and aggregating risks across sources and time horizons. Common measures include expected loss, value at risk, risk of ruin, scenario analysis, and stress testing. Qualitative methods, risk registers, and control assessments are also employed.

Management of tapsrisiko focuses on reducing either the probability of loss or its impact, or both. Strategies include strengthening internal controls and operational resilience, implementing risk transfer via insurance or hedging, and diversification of assets and activities. Establishing a clear risk appetite and limits, monitoring early warning indicators, and maintaining incident response and business continuity plans are central components.

In financial regulation and corporate governance, tapsrisiko is addressed within broader enterprise risk management frameworks. It informs capital provisioning, risk reporting, and resilience planning. Depending on the domain, specific subtypes such as credit risk, market risk, or operational risk may be emphasized.