【正文】 l Risk Policy amp。 it doesn39。 Control _________________________________________________ 25 Trigger Points (also refer database J 151) ______________________________ 25 Early Alert Accounts – (also refer database J 503) _______________________ 25 Accounts Subject To Additional Review (also refer database J 505) __________ 25 Management of Special Assets GSAM _________________________________ 26 Accounts graded CG 12 (also refer database N 101)______________________ 26 Lessons Learned Review (also refer database N 300)_____________________ 26 Risk Handbook Page 3 Introduction Wele to Standard Chartered Bank. This risk handbook will give you an introduction to the various risk related activities within the bank. This handbook is not meant to be a “Bible” on Risk Management but instead will provide you with the background to several key areas within the lending function and will serve as your “first point of reference”. Elaboration and detail of any policy or process will be found in the respective database(s) and you will be provided a reference to the same in the handbook. Further, if you are in a sales related role, you must also refer to the Relationship Managers Guide, which will equip you on, “How to be a better Relationship Manager and bee a partner to your clients”. Risk Culture – what does it mean at Standard Chartered What is culture? Webster defines it as: The set of shared attitudes, values, goals, and practices that characterises a anisation the key word is 39。 Matrix of Responsibilities __________________ 9 Risk Management Organization ________________________________________ 10 Group Level ______________________________________________________ 10 Functional Level __________________________________________________ 10 Country Level ____________________________________________________ 11 Risk Policies and Procedures _________________________________________ 11 1. Group Policies __________________________________________________ 11 2. Functional Policies ______________________________________________ 11 3. Country Underwriting Standards ____________________________________ 12 Risk Pricing ________________________________________________________ 13 Economic Profit ___________________________________________________ 13 Measurement Tools _______________________________________________ 13 Pricing Guidelines _________________________________________________ 13 Management of Customers/Counterparties ______________________________ 14 Target Customers _________________________________________________ 14 Name Lending ____________________________________________________ 14 Money Laundering – Know your customer (also refer database B 507 and B 534)14 Types ___________________________________________________________ 14 I. CORPORATES _________________________________________________15 Groups (also refer database J 202, J 203 and J 206) _____________________ 15 Lending to Holding Companies (also refer database J101) _________________ 15 Subsidiary Companies (also refer database J 207) _______________________ 15 II. BANKS _____________________________________________________16 Banks and Financial Institutions (also refer database J 154, J 155, J 307, J 804 amp。 control Risk Handbook Page 1 Introduction _________________________________________________________ 3 Risk Culture – what does it mean at Standard Chartered ____________________ 3 Business and Risk ____________________________________________________ 4 Risk Principles (also refer Database B 101) _______________________________ 5 Risk Types __________________________________________________________ 5 Credit Risk ________________________________________________________ 5 Country Risk (also refer database B 301 and B 326) _______________________ 6 Market and Liquidity Risk (also refer Group Market Risk Policy Database) ______ 6 Operational Risk (also refer database B 501)_____________________________ 7 Compliance Risk (also refer database B 601 and B 602) ____________________ 8 Reputational Risk (also refer database B 701 and J401) ____________________ 8 Environmental and Social Risk (also refer database B 204) _________________ 9 Risk Management Framework amp。 J 152) __________________ 23 Pre Disbursal Process – Control of Lending _____________________________ 24 Securing Documentation (also refer database J175 and J506) ______________ 24 Monitoring amp。s。 and the Bank will hold staff accountable. In holding people to account, the Bank will differentiate between unforeseeable consequences and deliberate policy flouting. Saving significant losses will be rewarded in the same way as growing the revenue line. The Bank will work to create a climate in which staff can talk honestly and openly about risk or problems at a sufficiently early stage, with the emphasis on solutions. We will openly discuss and learn lessons from mistakes/misjudgements. The Bank will ensure that all employees receive Risk training appropriate to their position, starting with induction. Business and Risk Most dictionaries define risk as ?danger? or ?the possibility of something harmful or undesirable happening?. Consequently the intuitive understanding of the word is a “negative” one. However, as a Bank, risk is our business and we profit from managing it. Therefore it is imperative that we understand the risks we face and have robust systems that identify, measure and manage these risks and have people who are risk aware so that we can exploit the opportunities that are presented to us. Specifically we need to ensure when we accept risk, we do so because it fits with our strategy, is within underwriting standards, is priced and approved appropriately and is monitored constantly. Risk Handbook Page 5 Risk Principles (a