{"id":75744,"date":"2026-10-01T15:50:32","date_gmt":"2026-10-01T18:50:32","guid":{"rendered":"https:\/\/actiosoftware.com\/?p=75744"},"modified":"2026-10-02T21:18:46","modified_gmt":"2026-10-03T00:18:46","slug":"how-to-calculate-erm","status":"publish","type":"post","link":"https:\/\/actiosoftware.com\/en\/blog\/como-calcular-erm\/","title":{"rendered":"How to calculate ERM: A guide to quantifying corporate risks\u00a0"},"content":{"rendered":"<p>Few questions in a board meeting are as common and as difficult to answer as \u201cwhat is, in fact, our exposure to risks?\u201d. Knowing how to calculate ERM is what turns that question into a defensible number, comparable across areas and <strong>Connected to the strategy<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>This article presents the method in stages, the indicators that provide executive reading of the result, and the ERM framework that organizes the entire process.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The approach is didactic but not simplistic: calculating ERM requires deciding what to measure, with what criteria and for what decision.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-o-que-significa-calcular-erm-nbsp\"><strong>What does calculating ERM mean?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Calculating ERM means quantifying, in a consistent manner, the organization\u2019s exposure to risks that affect its strategic objectives. In practice, <strong>It combines the probability and impact of each risk<\/strong>, The result is adjusted for the effectiveness of controls and the exposure to risk defined by senior management and the board is compared.&nbsp;<\/p>\n\n\n\n<p>Actio\u2019s <strong>Enterprise Risk Management<\/strong>, known in Brazil as corporate risk management (ERM), is not a single indicator, but a discipline that <a href=\"https:\/\/actiosoftware.com\/en\/blog\/enterprise-risk-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">it integrates risks into the strategy<\/a> and to performance.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-por-que-nao-existe-uma-formula-unica-nbsp\"><strong>Why there is no single formula<\/strong>&nbsp;<\/h3>\n\n\n\n<p>The COSO framework organizes the discipline into five interrelated components and 20 principles, applicable to organizations of any size or sector. The model is <a href=\"https:\/\/www.theiia.org\/en\/products\/bookstore\/coso-enterprise-risk-management---integrating-with-strategy-and-performance\/\" target=\"_blank\" rel=\"noreferrer noopener\">based on principles<\/a>: defines what good risk management should achieve, <strong>without imposing an equation.<\/strong>&nbsp;<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.iso.org\/standard\/65694.html\" target=\"_blank\" rel=\"noreferrer noopener\">ISO 31000:2018<\/a> There is a similar logic. It proposes a comprehensive approach to identifying, analyzing, evaluating, treating, monitoring, and communicating risks, and the standard is not prescriptive. The choice of metrics therefore falls to the company itself.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exposicao-apetite-e-tolerancia-nbsp\"><strong>Exposition, appetite and tolerance<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Before calculating, align four concepts that are often confused:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Intrinsic exposure:<\/strong> risk level before any control.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Residual exposure:<\/strong> level of risk after the action of the existing controls.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Risk appetite:<\/strong> the amount of risk the organization accepts in its pursuit of its objectives.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tolerance:<\/strong> acceptable deviation around appetite, usually expressed in numerical limits.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-como-calcular-erm-na-pratica-nbsp\"><strong>How to calculate ERM in practice<\/strong>&nbsp;<\/h2>\n\n\n\n<p>To calculate ERM, first map and classify the relevant risks; then estimate probability and financial impact; calculate the inherent and residual exposure, taking into account the effectiveness of controls; finally, compare the consolidated total to the risk appetite and prioritize responses. <strong>Repeat the cycle every quarter.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Each stage depends on the previous one. The rigor of the latter only exists if the first ones were well executed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etapa-1-mapear-e-classificar-os-riscos-nbsp\"><strong>Step 1: Map and classify the risks<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Not all risks are calculated in the same way. In an article published in <a href=\"https:\/\/hbr.org\/2012\/06\/managing-risks-a-new-framework\" target=\"_blank\" rel=\"noreferrer noopener\">Harvard Business Review<\/a>, Robert Kaplan and Anette Mikes distinguish avoidable risks, strategy risks and external risks, each category having its own management logic.&nbsp;<\/p>\n\n\n\n<p>Expected losses work well for <strong>avoidable risks<\/strong>, As operational failures. Strategy risks require analysis of the return sought, and external risks require scenario analysis. A good <a href=\"https:\/\/actiosoftware.com\/en\/blog\/how-to-identify-assess-and-prioritize-risks-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">risk mapping<\/a> avoid applying the same rule to different natures.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etapa-2-estimar-probabilidade-e-impacto-nbsp\"><strong>Stage 2: estimating probability and impact<\/strong>&nbsp;<\/h3>\n\n\n\n<p>When deciding how to calculate ERM for each risk, there are three levels of sophistication, which can coexist in the same portfolio:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Approach<\/strong>&nbsp;<\/td><td><strong>How it is calculated<\/strong>&nbsp;<\/td><td><strong>When to use<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Qualitative<\/strong>&nbsp;<\/td><td>Scales from 1 to 5; score = probability \u00d7 impact&nbsp;<\/td><td>Initial screening of many risks&nbsp;<\/td><\/tr><tr><td><strong>Semi-quantitative<\/strong>&nbsp;<\/td><td>Probability bands (%) and impact (R$)&nbsp;<\/td><td>Prioritization and reporting to the board&nbsp;<\/td><\/tr><tr><td><strong>Quantitative<\/strong>&nbsp;<\/td><td>Expected loss and Monte Carlo simulation&nbsp;<\/td><td>Critical risks and capital decisions&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Early-stage companies usually start with the 4\u00d74 risk matrix or with a <a href=\"https:\/\/actiosoftware.com\/en\/blog\/excel-risk-matrix\/\" target=\"_blank\" rel=\"noreferrer noopener\">risk matrix in Excel<\/a>. Real gain comes from migrating critical risks to monetary values.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etapa-3-calcular-a-exposicao-inerente-e-a-residual-nbsp\"><strong>Step 3: Calculate the inherent and residual exposure<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Understanding how to calculate ERM in practice becomes simpler with numbers. With annual probability and impact in reais, the formulas are straightforward:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Intrinsic exhibition<\/strong> = probability \u00d7 impact\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Residual exposure<\/strong> = inherent exposure \u00d7 (1 \u2212 effectiveness of controls)\u00a0<\/li>\n<\/ul>\n\n\n\n<p>The following table provides an illustrative example, with hypothetical values, for a fictitious company:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Risk<\/strong>&nbsp;<\/td><td><strong>Prob. annual<\/strong>&nbsp;<\/td><td><strong>Impact (R$ mi)<\/strong>&nbsp;<\/td><td><strong>Intrinsic exposure (R$ mi)<\/strong>&nbsp;<\/td><td><strong>Effectiveness of controls<\/strong>&nbsp;<\/td><td><strong>Residual exposure (R$ mi)<\/strong>&nbsp;<\/td><\/tr><tr><td>Critical supplier failure&nbsp;<\/td><td>20%&nbsp;<\/td><td>15&nbsp;<\/td><td>3,0&nbsp;<\/td><td>40%&nbsp;<\/td><td>1,8&nbsp;<\/td><\/tr><tr><td>Cyber incident&nbsp;<\/td><td>10%&nbsp;<\/td><td>30&nbsp;<\/td><td>3,0&nbsp;<\/td><td>50%&nbsp;<\/td><td>1,5&nbsp;<\/td><\/tr><tr><td>Regulatory fine&nbsp;<\/td><td>5%&nbsp;<\/td><td>20&nbsp;<\/td><td>1,0&nbsp;<\/td><td>70%&nbsp;<\/td><td>0,3&nbsp;<\/td><\/tr><tr><td>Loss of key talent&nbsp;<\/td><td>30%&nbsp;<\/td><td>4&nbsp;<\/td><td>1,2&nbsp;<\/td><td>25%&nbsp;<\/td><td>0,9&nbsp;<\/td><\/tr><tr><td><strong>Total<\/strong>&nbsp;<\/td><td>&nbsp;<\/td><td>&nbsp;<\/td><td><strong>8,2<\/strong>&nbsp;<\/td><td>&nbsp;<\/td><td><strong>4,5<\/strong>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The simple sum assumes that the risks are independent, which rarely happens. To capture correlations and tail events, critical risks require simulation and modeling, a field in which <a href=\"https:\/\/actiosoftware.com\/en\/blog\/data-science-and-ai\/\" target=\"_blank\" rel=\"noreferrer noopener\">data science and AI<\/a> they broaden the analytical capacity.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etapa-4-comparar-com-o-apetite-e-priorizar-nbsp\"><strong>Step 4: compare with appetite and prioritize<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Suppose the board has set the appetite at R$ 4 million in annual residual exposure. In the example, the total of R$ 4.5 million exceeds the limit by R$ 0.5 million, which triggers response plans.&nbsp;<\/p>\n\n\n\n<p>Critical and incident suppliers concentrate about 73% of the residual exposure and should lead the prioritization. The response can avoid, mitigate, transfer or accept the risk. One <a href=\"https:\/\/actiosoftware.com\/en\/blog\/risk-management-policy\/\" target=\"_blank\" rel=\"noreferrer noopener\">Risk management policy<\/a> well-drawn defines beforehand <strong>who decides in each exposure range<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-indicadores-essenciais-para-o-calculo-do-erm-nbsp\"><strong>Key indicators for calculating the ERM<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Defining how to calculate ERM is not enough, because a single value of exposure provides little information. The advice needs to be <a href=\"https:\/\/actiosoftware.com\/en\/blog\/risk-management-how-to-improve-your-company-s-kpis\/\">indicators that show a trend<\/a>, adherence to appetite and the quality of the controls.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Indicator<\/strong>&nbsp;<\/td><td><strong>How to calculate<\/strong>&nbsp;<\/td><td><strong>What it reveals<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Total residual exposure<\/strong>&nbsp;<\/td><td>\u03a3 (probability \u00d7 impact \u00d7 (1 \u2212 effectiveness))&nbsp;<\/td><td>The liquid risk to which the company is exposed&nbsp;<\/td><\/tr><tr><td><strong>Attraction to appetite<\/strong>&nbsp;<\/td><td>Residual exposure \u00f7 appetite limit&nbsp;<\/td><td>Excess or excess in front of the limit (above 100% = out of range)&nbsp;<\/td><\/tr><tr><td><strong>Covering controls<\/strong>&nbsp;<\/td><td>Critical risks with tested control \u00f7 critical risks&nbsp;<\/td><td>Robustness of the response&nbsp;<\/td><\/tr><tr><td><strong>KRIs on alert<\/strong>&nbsp;<\/td><td>KRIs outside the range \u00f7 total KRIs&nbsp;<\/td><td>Precedent sign of deterioration&nbsp;<\/td><\/tr><tr><td><strong>Actual vs. projected losses<\/strong>&nbsp;<\/td><td>Lost funds \u00f7 expected loss&nbsp;<\/td><td>Calibration of the calculation model&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For Kaplan and Norton, indicators only fulfill their role when they translate strategy into measurable goals. <strong>The same applies to risk.<\/strong>: the <a href=\"https:\/\/actiosoftware.com\/en\/blog\/risk-management-3\/\" target=\"_blank\" rel=\"noreferrer noopener\">Key risk indicators (KRIs)<\/a> they should be integrated into the strategic panel, not a parallel report.&nbsp;<\/p>\n\n\n\n<p>The comparison between actual and projected losses depends on good historical records. Therefore, treating <a href=\"https:\/\/actiosoftware.com\/en\/blog\/what-is-operating-loss\/\" target=\"_blank\" rel=\"noreferrer noopener\">Operational losses<\/a> in a structured way, it is a direct input for calibrating probabilities and impacts.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-framework-de-erm-onde-o-calculo-se-encaixa-nbsp\"><strong>ERM framework: where calculation fits in<\/strong>&nbsp;<\/h2>\n\n\n\n<p>How to calculate ERM without a reference framework? The result are orphaned numbers. The ERM framework defines governance, appetite, responsibilities, and review cadence, which give meaning to the metrics.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criterion<\/strong>&nbsp;<\/td><td><strong>COSO ERM (2017)<\/strong>&nbsp;<\/td><td><strong>ISO 31000 (2018)<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Structure<\/strong>&nbsp;<\/td><td>Five components and 20 principles&nbsp;<\/td><td>Principles, structure and process&nbsp;<\/td><\/tr><tr><td><strong>Focus<\/strong>&nbsp;<\/td><td>Integrating risk into strategy and performance&nbsp;<\/td><td>Common approach to any type of risk and organization&nbsp;<\/td><\/tr><tr><td><strong>Where calculation comes in<\/strong>&nbsp;<\/td><td>Performance component: identify, evaluate, respond to, and report&nbsp;<\/td><td>Evaluation process: identification, analysis and evaluation&nbsp;<\/td><\/tr><tr><td><strong>Nature<\/strong>&nbsp;<\/td><td>Market reference for corporate risk management&nbsp;<\/td><td>International standard of guidelines&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Anyone starting from scratch can follow the roadmap to structure a risk management program. To formalize adherence to the standard, it is worth knowing the path from the beginning to the end. <a href=\"https:\/\/actiosoftware.com\/en\/blog\/how-to-obtain-iso-31000-certification\/\" target=\"_blank\" rel=\"noreferrer noopener\">ISO 31000 certification<\/a>.&nbsp;<\/p>\n\n\n\n<p>The same framework supports integration with the ESG agenda, a topic addressed in the content about <a href=\"https:\/\/actiosoftware.com\/en\/blog\/esg-software\/\" target=\"_blank\" rel=\"noreferrer noopener\">ESG software<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-beneficios-da-gestao-de-riscos-corporativos-quando-o-erm-e-quantificado-nbsp\"><strong>Benefits of corporate risk management when ERM is quantified<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Quantification transforms the ERM into a decision-making instrument. The main benefits of corporate risk management become apparent when the number reaches the executive committee:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Priority by value:<\/strong> Control resources go to where residual exposure is highest.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial dialogue with the board:<\/strong> Risks are now discussed in the same language as budgets and targets.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stronger capital decisions:<\/strong> investments and hiring incorporate the expected cost of risk.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Anticipation<\/strong> Previous indicators signal deterioration before the loss.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>The January 2025 Resilience Pulse Check from the World Economic Forum and McKinsey indicates that 55% of the organizations expect relevant or severe disruption caused by technology, according to the report. <a href=\"https:\/\/www.mckinsey.com\/capabilities\/risk-and-resilience\/our-insights\/global-risk-productivity-survey-four-themes-shaping-risk-management\" target=\"_blank\" rel=\"noreferrer noopener\">Global research by McKinsey<\/a> about productivity at risk.&nbsp;&nbsp;<\/p>\n\n\n\n<p>As early as June 2025, the <a href=\"https:\/\/www.mckinsey.com\/~\/media\/mckinsey\/business%20functions\/risk\/our%20insights\/mckinsey%20on%20risk%20number%2019\/mck_risk_issue19.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">McKinsey on Risk &amp; Resilience<\/a> It reinforces that CROs and risk professionals, along with senior leadership and boards, treat the understanding and mitigation of risks as a prerequisite for success.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-erros-comuns-que-distorcem-o-calculo-de-erm-nbsp\"><strong>Common errors that distort the calculation of ERM<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Even with the method, some deviations compromise the result. Some of them are:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Treat risk as compliance.<\/strong> Kaplan and Mikes warn that management based solely on rules does not reduce the probability or the impact of major disasters.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Using scales without calibration.<\/strong> A \u201clevel 4\u201d means different things in each area; anchor the bands in percentages and real numbers.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Adding risks without considering correlation.<\/strong> Events that feed on each other underestimate the aggregate exposure.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ignoring rare, high-impact events.<\/strong> Low probability does not mean low relevance.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Keep spreadsheets separate.<\/strong> Without a history, responsibility, and a plan of action, the number loses its decisive value.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-como-calcular-erm-de-forma-continua-com-tecnologia-nbsp\"><strong>How to calculate ERM continuously with technology<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Repeating the cycle every quarter with disconnected spreadsheets consumes time and <strong>fragmentates the information<\/strong>. O <a href=\"https:\/\/actiosoftware.com\/en\/risk-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">Actio Risk Management<\/a> It centralizes risks, matrices, control tests, mitigation plans, and operational losses in a single environment, aligned with the ISO 31000, COSO, and PMI references.&nbsp;<\/p>\n\n\n\n<p>With Actio IA, the platform is even more advanced<strong> automatically detects risks and gaps<\/strong> of performance. By linking risks to strategic objectives and indicators, the manager no longer treats them as a separate report.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Logic dialogues with the <a href=\"https:\/\/actiosoftware.com\/en\/blog\/importance-of-the-integrated-management-system-in-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\">importance of the integrated management system<\/a>, In which strategy, risks and processes operate as a single cycle.&nbsp;<\/p>\n\n\n\n<p>For managers of medium and large companies, the next step is to choose the framework, calibrate the scales and give technology to the process.&nbsp;<\/p>\n\n\n\n<p>Meet the <strong>Actio Corporate Risk Management (ERM)<\/strong> and schedule a free demo with one of our specialists.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Understand how to calculate ERM: quantify probability, impact, and residual exposure, and connect corporate risk management to the company\u2019s strategic decisions.<\/p>","protected":false},"author":20,"featured_media":75745,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","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":"var(--ast-global-color-4)","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":[1203],"tags":[],"Idioma-posts":[1169,1168,1167],"class_list":["post-75744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-riscos-e-compliance","idioma-posts-espanhol","idioma-posts-ingles","idioma-posts-portugues"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Descubra Como Calcular ERM na Pr\u00e1tica<\/title>\n<meta name=\"description\" content=\"Saiba como calcular ERM: probabilidade, impacto, exposi\u00e7\u00e3o residual e apetite a risco para apoiar decis\u00f5es em m\u00e9dias e grandes empresas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/actiosoftware.com\/en\/blog\/how-to-calculate-erm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como calcular ERM: Guia para Quantificar Riscos Corporativos\u00a0\" \/>\n<meta property=\"og:description\" content=\"Saiba como calcular ERM: probabilidade, impacto, exposi\u00e7\u00e3o residual e apetite a risco para apoiar decis\u00f5es em m\u00e9dias e grandes empresas.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/actiosoftware.com\/en\/blog\/how-to-calculate-erm\/\" \/>\n<meta property=\"og:site_name\" content=\"Actio\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/actiobrasil\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-01T18:50:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-03T00:18:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/actiosoftware.com\/wp-content\/uploads\/2026\/10\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1709\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Heloise Pontes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Heloise Pontes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/\"},\"author\":{\"name\":\"Heloise Pontes\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#\\\/schema\\\/person\\\/651267a28d519a2d6599ae4cc4c6f5b0\"},\"headline\":\"Como calcular ERM: Guia para Quantificar Riscos Corporativos\u00a0\",\"datePublished\":\"2026-10-01T18:50:32+00:00\",\"dateModified\":\"2026-10-03T00:18:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/\"},\"wordCount\":1855,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/actiosoftware.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg\",\"articleSection\":[\"Riscos e Compliance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/\",\"url\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/\",\"name\":\"Descubra Como Calcular ERM na Pr\u00e1tica\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/actiosoftware.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg\",\"datePublished\":\"2026-10-01T18:50:32+00:00\",\"dateModified\":\"2026-10-03T00:18:46+00:00\",\"description\":\"Saiba como calcular ERM: probabilidade, impacto, exposi\u00e7\u00e3o residual e apetite a risco para apoiar decis\u00f5es em m\u00e9dias e grandes empresas.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#primaryimage\",\"url\":\"https:\\\/\\\/actiosoftware.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/actiosoftware.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg\",\"width\":2560,\"height\":1709},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/blog\\\/como-calcular-erm\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/actiosoftware.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Como calcular ERM: Guia para Quantificar Riscos Corporativos\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#website\",\"url\":\"https:\\\/\\\/actiosoftware.com\\\/\",\"name\":\"Actio\",\"description\":\"Softwares para gest\u00e3o estrat\u00e9gica\",\"publisher\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/actiosoftware.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#organization\",\"name\":\"Actio\",\"url\":\"https:\\\/\\\/actiosoftware.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/actiosoftware.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/logo-150x37-3.png\",\"contentUrl\":\"https:\\\/\\\/actiosoftware.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/logo-150x37-3.png\",\"width\":150,\"height\":37,\"caption\":\"Actio\"},\"image\":{\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/actiobrasil\",\"https:\\\/\\\/www.instagram.com\\\/actiobrasil\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/actiosoftware\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/actiosoftware.com\\\/#\\\/schema\\\/person\\\/651267a28d519a2d6599ae4cc4c6f5b0\",\"name\":\"Heloise Pontes\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a442dab2b7b38df0f240edb9afe33f93aa79552c397387f92510b56f0ec1a87?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a442dab2b7b38df0f240edb9afe33f93aa79552c397387f92510b56f0ec1a87?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a442dab2b7b38df0f240edb9afe33f93aa79552c397387f92510b56f0ec1a87?s=96&d=mm&r=g\",\"caption\":\"Heloise Pontes\"},\"description\":\"Product Manager da Actio Software e respons\u00e1vel por conduzir o ciclo de vida dos produtos.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/heloise-pontes\\\/\"],\"url\":\"https:\\\/\\\/actiosoftware.com\\\/en\\\/blog\\\/author\\\/heloise-pontes\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Discover How to Calculate ERM in Practice","description":"Learn how to calculate ERM: probability, impact, residual exposure and risk appetite to support decisions in medium and large companies.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/actiosoftware.com\/en\/blog\/how-to-calculate-erm\/","og_locale":"en_US","og_type":"article","og_title":"Como calcular ERM: Guia para Quantificar Riscos Corporativos\u00a0","og_description":"Saiba como calcular ERM: probabilidade, impacto, exposi\u00e7\u00e3o residual e apetite a risco para apoiar decis\u00f5es em m\u00e9dias e grandes empresas.","og_url":"https:\/\/actiosoftware.com\/en\/blog\/how-to-calculate-erm\/","og_site_name":"Actio","article_publisher":"https:\/\/www.facebook.com\/actiobrasil","article_published_time":"2026-10-01T18:50:32+00:00","article_modified_time":"2026-10-03T00:18:46+00:00","og_image":[{"width":2560,"height":1709,"url":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2026\/10\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg","type":"image\/jpeg"}],"author":"Heloise Pontes","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Heloise Pontes","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#article","isPartOf":{"@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/"},"author":{"name":"Heloise Pontes","@id":"https:\/\/actiosoftware.com\/#\/schema\/person\/651267a28d519a2d6599ae4cc4c6f5b0"},"headline":"Como calcular ERM: Guia para Quantificar Riscos Corporativos\u00a0","datePublished":"2026-10-01T18:50:32+00:00","dateModified":"2026-10-03T00:18:46+00:00","mainEntityOfPage":{"@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/"},"wordCount":1855,"commentCount":0,"publisher":{"@id":"https:\/\/actiosoftware.com\/#organization"},"image":{"@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#primaryimage"},"thumbnailUrl":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2026\/10\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg","articleSection":["Riscos e Compliance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/","url":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/","name":"Discover How to Calculate ERM in Practice","isPartOf":{"@id":"https:\/\/actiosoftware.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#primaryimage"},"image":{"@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#primaryimage"},"thumbnailUrl":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2026\/10\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg","datePublished":"2026-10-01T18:50:32+00:00","dateModified":"2026-10-03T00:18:46+00:00","description":"Learn how to calculate ERM: probability, impact, residual exposure and risk appetite to support decisions in medium and large companies.","breadcrumb":{"@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#primaryimage","url":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2026\/10\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg","contentUrl":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2026\/10\/putting-attention-every-moment-polygraph-examiner-works-office-with-his-lie-detector-s-equipment-1-scaled.jpg","width":2560,"height":1709},{"@type":"BreadcrumbList","@id":"https:\/\/actiosoftware.com\/blog\/como-calcular-erm\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/actiosoftware.com\/"},{"@type":"ListItem","position":2,"name":"Como calcular ERM: Guia para Quantificar Riscos Corporativos\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/actiosoftware.com\/#website","url":"https:\/\/actiosoftware.com\/","name":"Actio","description":"Software for strategic management","publisher":{"@id":"https:\/\/actiosoftware.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/actiosoftware.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/actiosoftware.com\/#organization","name":"Actio","url":"https:\/\/actiosoftware.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/actiosoftware.com\/#\/schema\/logo\/image\/","url":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2020\/02\/logo-150x37-3.png","contentUrl":"https:\/\/actiosoftware.com\/wp-content\/uploads\/2020\/02\/logo-150x37-3.png","width":150,"height":37,"caption":"Actio"},"image":{"@id":"https:\/\/actiosoftware.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/actiobrasil","https:\/\/www.instagram.com\/actiobrasil\/","https:\/\/www.linkedin.com\/company\/actiosoftware\/"]},{"@type":"Person","@id":"https:\/\/actiosoftware.com\/#\/schema\/person\/651267a28d519a2d6599ae4cc4c6f5b0","name":"Heloise Pontes","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/8a442dab2b7b38df0f240edb9afe33f93aa79552c397387f92510b56f0ec1a87?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8a442dab2b7b38df0f240edb9afe33f93aa79552c397387f92510b56f0ec1a87?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8a442dab2b7b38df0f240edb9afe33f93aa79552c397387f92510b56f0ec1a87?s=96&d=mm&r=g","caption":"Heloise Pontes"},"description":"Product Manager at Actio Software, responsible for driving the product lifecycle.","sameAs":["https:\/\/www.linkedin.com\/in\/heloise-pontes\/"],"url":"https:\/\/actiosoftware.com\/en\/blog\/author\/heloise-pontes\/"}]}},"_links":{"self":[{"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/posts\/75744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/comments?post=75744"}],"version-history":[{"count":2,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/posts\/75744\/revisions"}],"predecessor-version":[{"id":75816,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/posts\/75744\/revisions\/75816"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/media\/75745"}],"wp:attachment":[{"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/media?parent=75744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/categories?post=75744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/tags?post=75744"},{"taxonomy":"idioma-posts","embeddable":true,"href":"https:\/\/actiosoftware.com\/en\/wp-json\/wp\/v2\/Idioma-posts?post=75744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}