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Risk Management Policy


Risk management is essential to TMBThanachart’s business to being able to create shareholder value with appropriate and sustainable shareholder returns. Risk management is embedded in the daily business activities and strategic planning with the objective to optimize risks and returns. Our approach to risk is founded on solid risk governance and embedding a risk management culture where all employees look for risks, consider their impacts, and apply appropriate risk mitigation strategies.


TMBThanachart maintains a risk governance structure that is intended to strengthen risk management while ensuring that risk-taking authorities are cascaded down from the Board to the appropriate committees and functional levels. Risk issues and the changing regulatory and business environment are managed in an efficient and effective manner.


The Board of Directors (BoD) holds ultimate responsibility of bank-wide risk management. The Risk Oversight Committee (ROC) has been delegated by the Board of Directors to review and oversee the management of all risks across the Bank and is authorized to approve the Bank’s overall risk management strategies, policies, frameworks, standards and risk concentration levels, as well as endorse an aggregated risk appetite.


Several risk committees provide forums to discuss specific risk areas:


The Risk Policy Committee

To assist the ROC in fulfilling its oversight of internal policies, frameworks, standards, risk appetite targets and boundaries, as well as issues related to credit risk management.


The Portfolio Management Committee

To serve as a discussion forum for Business functions, Finance and Risk functions with a primary focus on credit portfolio monitoring to ensure appropriate proactive credit portfolio management and alignment with business strategy.


The IFRS9 ECL Committee

To consider and approve the level, accuracy and adequacy of provisions under the IFRS9 guiding principles for Expected Credit Loss and determines the necessity of additional management overlay to ensure proper coverage of the portfolio.


The Credit Underwriting Committee

To consider, recommend, and approve for all matters relating to credit risk and issuer risk and approve credit within delegated authority, to endorse credit that exceed approval authority to the Credit Committee for consideration.


The Credit Restructuring Committee


To approve credit restructuring in management level, to consider and approve for all matters relating to credit risk, investment risk and to review status and plan for all matters relating to credit restructuring, nursing period and write off.



The Non-Financial Risk Management Committee

To identify, measure and monitor the Operational, Compliance and Legal risks of the Business Units/Support Units with appropriate quality of coverage (granularity) and to ensure that appropriate management action is taken by the responsible (business) managers at the appropriate level of granularity.


The Asset and Liability Management Committee

To assist the ROC in all matters related to the asset and liability management, balance sheet management and capital management.

However, Business Units are primarily responsible for managing risks within their responsible portfolio.



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