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1、Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principles (also refer Database B 101)5Risk Types5Credit Risk5Country Risk (also refer database B 301 and B 326)6Market a
2、nd Liquidity Risk (also refer Group Market Risk Policy Database)6Operational Risk (also refer database B 501)7Compliance Risk (also refer database B 601 and B 602)8Reputational Risk (also refer database B 701 and J401)9Environmental and Social Risk (also refer database B 204)9Risk Management Framewo
3、rk & Matrix of Responsibilities9Risk Management Organization10Group Level10Functional Level11Country Level11Risk Policies and Procedures111. Group Policies112. Functional Policies123.Country Underwriting Standards12Risk Pricing13Economic Profit13Measurement Tools13Pricing Guidelines13Management of C
4、ustomers/Counterparties14Target Customers14Name Lending14Money Laundering Know your customer (also refer database B 507 and B 534)14Types15I.CORPORATES15Groups (also refer database J 202, J 203 and J 206)15Lending to Holding Companies (also refer database J101)15Subsidiary Companies (also refer data
5、base J 207)15II.BANKS16Banks and Financial Institutions (also refer database J 154, J 155, J 307, J 804 & J 806)16III.GOVERNMENTS16Governments and Government Owned Companies (also refer database J 204)16IV.INVESTMENT INSTITUTIONS16Funds, Fund Managers and Hedge Funds (also refer database J 807 and J
6、 808)16V.PERSONAL BORROWERS16Lending to Individuals within Functional level policy (also refer database J 104)17Products17Categories of Risk for Limit Purposes Category 1,2&3 (also refer database R 201)17Suitability, Saleability, Pricing (also refer database J 101, J111)18Specific Requirements (also
7、 refer database J 101, J 302, J307)18Specialist Product and Higher Risk Areas (also refer database J 101)18Restricted Activities (also refer database J 101 and B 702)18Environmental and Social Risk (also refer database B204 and B 226)19Others (also refer database J 101)19Approval Process19Business C
8、redit Application (also refer database J 151, J154,)19Credit Grades (also refer database D 101 and J 206)21Grading Groups and use of Parental Support (also refer database J 206)22Regulatory Compliance (also refer database B 202)22Credit Reference Levels (also refer database J 121)22Security (also re
9、fer database J 158 and J 616)23Country Risk (also refer database B 326)23Approval Authorities (also refer database J 102 & J 152)23Pre Disbursal Process Control of Lending24Securing Documentation (also refer database J175 and J506)24Monitoring & Control25Trigger Points (also refer database J 151)25E
10、arly Alert Accounts (also refer database J 503)25Accounts Subject To Additional Review (also refer database J 505)25Management of Special Assets - GSAM26Accounts graded CG 12 (also refer database N 101)26Lessons Learned Review (also refer database N 300)26IntroductionWelcome to Standard Chartered Ba
11、nk. 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 po
12、int 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
13、, “How to be a better Relationship Manager and become 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 organisation - the key word is shared. We all ha
14、ve different roles to play within the organisation but one thing is clear, Standard Chartered can and will only be successful if we all take ownership of risk and accept accountability for our actions. Every one of us can lead by example and ensure that the decisions we make, the actions we take, ar
15、e to the long term benefit of the bank firstly and that any personal benefit is subordinate. The bank benefits from a strong risk culture and we endeavour to reward good risk behaviour in the same way that we reward other achievements. Those of us who demonstrate a sound approach to risk can expect to see this further our careers and be appropriately rewarded. Saving losses is as important as growing revenue. We expect people to behave responsibly and to bring problems to the fore at the earliest possible s
