How a defined risk appetite can improve nonfinancial risk management

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      <subfield code="a">How a defined risk appetite can improve nonfinancial risk management</subfield>
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      <subfield code="a">In 2022, losses, fines, and legal expenses for nonfinancial risks cost the banking industry $19 billion, bringing the total price tag for nonfinancial risks to more than $460 billion since 2010. Nonfinancial risks, are challenging to manage for all institutions, and executives are faced with a constantly changing landscape of risk events and disruptions. Despite the inherent challenges, it is important to clearly define an appetite for these risks to limit the risk taking in areas that go beyond a company's risk capacity and threaten its business objectives. This appetite needs to be balanced against return optimization by investing in activities that offer the highest yield </subfield>
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