HomeFooterAS TBB pankMain principles of risk management

Main principles of risk management

Banking is concerned with the necessity of making several kinds of risks. Risk management is an integral part of the credit institution’s control system. The risk management process includes a sequence of operations to indentify risks, their quantitative evaluation, analisys, control and formation of a feedback (reporting) system.

To control the level of risk, taken by the bank, some relevant risk indicators are used, ie quantity indexes for the current asessment of risks taken, their admissibility in terms of financial and regulatory constraits. The risk management system enables to preside a preventive control for administrative decisions made, exclude or minimize economic or reputational disbenefit and identify any additional human and material resources to ensure the liquidity of the bank. Special attention is focused on three main types of risks: credit, market and operational risk. Each of them consists of several sub-categories, those are: concentration risk, risk of revaluation of assets, county exposure, liquidity risk, economic cycle risk and other risks that are dependent on the size of a credit institution, its strategy and range of banking activity.

The basic parameters and principles of credit risk management are documented in the Credit Policy of the Bank. Operational risk is managed by the operational risk management Policy. Monitoring for regulatory compliance with liquidity and recovery measures in times of economic crises are documented in the bank`s liquidity management Strategy.

The challenge of directorship is to maintain liquidity, profitability and sustainability of the bank in a changing economic situation, neither in domestic nor foreign financial markets.


For further details: Tallinna Äripanga AS 2015.a. konsolideeritud majandusaasta aruanne. (p.43)

Customer support

Mon-Fri 09.00-17.00

Phone: +372 668 8066

Skype: +372 712 0503

*Outside office hours you can report your card lost by calling +372 668 8088

Important! Our branch office in Tallinn, on Vana-Viru 7 is temporarily closed until 31.12.2020

Contact us


This is the website of the financial service providers AS TBB pank, AS TBB liising, AS TBB Invest and Morgan Trade AS. Before entering into any agreement please read the terms of the financial service published on our website and, if necessary, consult bank officer, including the annual percentage rate of the loan product you are interested in.
Copying and use of text and graphic materials are allowed only with the consent of the copyright holders.

This website uses cookies. By continuing to open the pages of the site, or by selecting the “OK” button, you agree to the use of cookies. Read more