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)	9
Environmental and Social Risk (also refer database B 204)	9
Risk Management Framework & Matrix of Responsibilities	9
Risk Management Organization	10
Group Level	10
Functional Level	11
Country Level	11
Risk Policies and Procedures	11
1. Group Policies	11
2. Functional Policies	12
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	15
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 & J 806)	16
III.	GOVERNMENTS	16
Governments and Government Owned Companies (also refer database J 204)	16
IV.	INVESTMENT INSTITUTIONS	16
Funds, Fund Managers and Hedge Funds (also refer database J 807 and J 808)	16
V.	PERSONAL BORROWERS	16
Lending to Individuals within Functional level policy (also refer database J 104)	17
Products	17
Categories of Risk for Limit Purposes – Category 1,2&3 (also refer database R 201)	17
Suitability, Saleability, Pricing (also refer database J 101, J111)	18
Specific Requirements (also refer database J 101, J 302, J307)	18
Specialist Product and Higher Risk Areas (also refer database J 101)	18
Restricted Activities (also refer database J 101 and B 702)	18
Environmental and Social Risk (also refer database B204 and B 226)	19
Others (also refer database J 101)	19
Approval Process	19
Business Credit Application (also refer database J 151, J154,)	19
Credit Grades (also refer database D 101 and J 206)	21
Grading Groups and use of Parental Support (also refer database J 206)	22
Regulatory Compliance (also refer database B 202)	22
Credit Reference Levels (also refer database J 121)	22
Security (also refer database J 158 and J 616)	23
Country Risk (also refer database B 326)	23
Approval Authorities (also refer database J 102 & J 152)	23
Pre Disbursal Process – Control of Lending	24
Securing Documentation (also refer database J175 and J506)	24
Monitoring & 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 

渣打银行风险管理手册.doc