{"id":10441,"date":"2016-03-31T15:35:00","date_gmt":"2016-03-31T14:35:00","guid":{"rendered":"https:\/\/naris-prod.azurewebsites.net\/nooit-meer-strategiepijn-copy\/"},"modified":"2025-08-08T12:15:40","modified_gmt":"2025-08-08T10:15:40","slug":"risk-appetite-statement","status":"publish","type":"post","link":"https:\/\/www.naris.com\/nl\/risk-appetite-statement\/","title":{"rendered":"Risicobereidheid &#038; risk appetite statement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10441\" class=\"elementor elementor-10441\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc636ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc636ed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3fa720c\" data-id=\"3fa720c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fe565e elementor-widget elementor-widget-text-editor\" data-id=\"9fe565e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"content-wrapper section-theme-white full-width\"><div class=\"container\"><div class=\"col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>In de nieuwe governance code is \u00a0risk appetite een sleutelwoord.\u00a0Kort gezegd,\u00a0dient het bestuur -na een risicoanalyse- \u00a0te bepalen\u00a0welke risico\u2019s het bereid is te nemen in de\u00a0realisatie van haar strategische doelstellingen. Deze risicobereidheid wordt aangeduid als \u201crisk appetite\u201d.<\/p><p>Gevolg zal zijn dat bestuurders vanaf 2017\u00a0een\u00a0extern \u201c<a href=\"https:\/\/nl.wikipedia.org\/wiki\/Risk_appetite\" target=\"_blank\" rel=\"noopener\">risk appetite statement<\/a>\u201d dienen af te geven.\u00a0De vraag hierbij is hoe transparant een bestuurder daadwerkelijk kan zijn.\u00a0Maar belangrijker wat wel of niet extern transparant wordt gemaakt is dat het bestuur de\u00a0risico-grenzen voor haar eigen organisatie vaststelt. Dit zijn de grenzen \u00a0waarbinnen het management wordt geacht te werken en waarbinnen risico\u2019s genomen kunnen worden.<\/p><h3>Welke stappen?\u00a0<\/h3><p>Om als bestuur je\u00a0\u00a0risk appetite te kunnen bepalen zijn mijn inziens de volgende stappen te kunnen zetten:<\/p><ul><li>Wat is onze groei en innovatie strategie?<ul><li>autonome groei of groei door overnames? Nieuwe producten nieuwe landen?<\/li><\/ul><\/li><li>Wat zijn onze risico\u2019s?<ul><li>een brede dialoog met oog voor de interne, strategische en externe risico\u2019s<\/li><li>Kaplans model helpt hierbij<\/li><\/ul><\/li><li>Wat is het worst case scenario financieel?<ul><li>een gekwantificeerd risicoprofiel is hiervoor noodzakelijk<\/li><\/ul><\/li><li>Hoeveel risico\u2019s kunnen wij financieel dragen (risico-tollerantie)?<ul><li>welke risicobuffer (of weerstandsvermogen) heeft de organisatie<\/li><li>hoe wendbaar\/agile is de organisatie?<\/li><\/ul><\/li><li>Wat mag absoluut nooit in de krant staan?<ul><li>Imago en kwaliteitsrisico\u2019s zijn steeds belangrijker<\/li><\/ul><\/li><li>Hoe effectief is onze huidige risicobeheersing?<ul><li>welke signalen komen er van i<a href=\"https:\/\/www.naris.com\/\">nternal control, compliance, audit, communicatie en \u00a0contractmanagement?\u00a0<\/a><\/li><\/ul><\/li><\/ul><h3>Kaplan\u00a0<\/h3><p>Eigenlijk denk ik dat veel gemeenteraden eigenlijk al een risk appetite statement afgeven met hun paragraaf weerstandsvermogen. Op\u00a0zoek naar voorbeelden uit het bedrijfsleven zie ik toch vooral de risk appetite statements rondom de harde en te kwantificeren risico\u2019s van banken.<\/p><p>Gelukkig heeft Kaplan recent\u00a0<a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2744133#.Vuc06aV0rj4.twitter\" target=\"_blank\" rel=\"noopener\">een artikel\u00a0<\/a>geschreven waarin ook ruimte is voor de niet financi\u00eble voorbeelden.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In de nieuwe governance code is &nbsp;risk appetite een sleutelwoord.&nbsp;Kort gezegd,&nbsp;dient het bestuur -na een risicoanalyse- &nbsp;te bepalen&nbsp;welke risico\u2019s het&#8230;<\/p>\n","protected":false},"author":20,"featured_media":5760,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[18],"tags":[6,4],"class_list":["post-10441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel","tag-risico","tag-risicomanagement"],"_links":{"self":[{"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/posts\/10441","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/comments?post=10441"}],"version-history":[{"count":14,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/posts\/10441\/revisions"}],"predecessor-version":[{"id":27904,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/posts\/10441\/revisions\/27904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/media\/5760"}],"wp:attachment":[{"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/media?parent=10441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/categories?post=10441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.naris.com\/nl\/wp-json\/wp\/v2\/tags?post=10441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}