TBC Bank operates a strong and independent, business minded risk management system. Its main objective is to contribute to the sustainability of risk adjusted returns through implementation of an efficient risk management system. Four major principles in the course of risk management have been adopted to enable the accomplishment of major objectives:

  • Govern risks in a transparent manner to obtain understanding and trust. Consistency and transparency in risk related processes and policies represent preconditions for gaining trust from various stakeholders. The communication of risk goals and strategic priorities to governing bodies and the provision of a comprehensive follow-up in an accountable manner are key priorities for risk staff.

  • Promote sustainable growth and TBC Bank's resiliency throughprudent risk management. Risk management represents abackstop against excessive risk-taking. Capital adequacy management and strong forward-looking tools and decisionmaking ensure TBC Bank's sustainability and resiliency.

  • Ensure that risk management is an enabler of TBC Bank's strategy. Risk staff provide assurance on the feasibility of theachievement of objectives through risk identification and management. Identification and the adequate pricing of risks, aswell as risk mitigation actions, help generate desired returns and achieve planned targets.

  • Ensure that risk management represents a competitive advantage for TBC Bank. Comprehensive, transparent and prudent risk governance facilitates understanding and trust from multiple stakeholders and ensures the sustainability and resiliency of the business model and the positioning of risk management as TBC Bank's competitive advantage and strategic enabler.


Risk Governance Structure

TBC conducts its risk management activities within the framework of its unified risk management system. The following chart sets forth TBC's risk management structure:


TBC Bank's Risk Management Policy is detailed in the document provided below.

TBC Bank Risk Management Policy