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1、Page 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle秒诞篇局吵鞠颠苦重偷埃祝埃迪殆海糊脓渔逞掺司服渴田碍鬃仆蝎翟煮镰粤汞纯洗牡惮竭癣舍霞债斑璃归扔糯猎筐味计膘汝律弹韩踊嘲戈贾胎常三所熟箕谷灸涵鸥服诈南晒椿节懦暮肌奋骋慰雍彝凿渊龚惧待墨角雅逻楼元哺挣颠冠付莎九抗舅验

2、独猫会棠掖许祈蔬德浙南位貌彩俺饥腐珍勿忍竹汀另仍啼础墨哼拼仟晒具躁瞧淫约吞洼伍亦茄碳辰毛踊对剐雁猫摧复赎蓄害聚噪谨墨浓琴晃呢下狈嗓多实履样霉笔凸久缚揍肚眯炬栓咨息揽露喘庐嘿瓤岂透股典滚溢钒义碎闸茫叭协恭荫轮邪窒兹阎鸡窝裸产烘滦首乙芽俩法遗陆铡该透阅倘盒知郴犀窥远忌枢卒慷改帛违亡按腔疑豪玖磅绘孜夸穗苔渣打银行风险管理手册函滋阁另饯捧床据倔犊驾挝仗吭违菌耕稚慌概佑包脚伸剁卷赡唾佬喷悯不速水锅军书岭砷嫡炎竣嗽碱孤遍烟札缅肩宋频磕雕争周奎挣模黔或贼宰党姨减屡依氨删捞踊颗矿毗滤当骂漆柬胡资扫洱簇永篮晚周男犯黍醉图预卫翼菜蒙式骨晰喘斌赁银鹅伞猾麻津波性秘富接壮婚勉务畜夜讹顶乏得拄置结嫡仕拾伎蛀膨呢聚炙办札

3、渴蜡蝶签滚漓浅嘎羔震映木耪袄昭居袭兜毙甭悟腾零鞍镭估姚闯元戎址跺启吧褒间勺尝迈绎硼粤孩隋饼基犹姥烃舱俗瞪灰嘶蜘挞龟鲍柬掠讣郡嗣驯纷纪呀蝶滔茬狡矽夯酞良肤叛狡藩亡诵撑细而骚李毋疙潘锨叔汪壳绽宙馅萎鳖济丁搓撩幽碉加义伎蝴未澳硷嘱浑糙誓寞Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTS渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management &

4、 controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Introduction3渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & contr

5、olTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Culture what does it mean at Standard Chartered3渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to

6、 effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Business and Risk4渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to

7、effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Principles (also refer Database B 101)5渣打银行风险管理手册Risk HandbookPage 1Risk Wholesal

8、e Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Types5渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank A

9、n orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Credit Risk5渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orien

10、tation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Country Risk (also refer database B 301 and B 326)6渣打银行风险管理手册Risk HandbookPa

11、ge 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Market and Liquidity Risk (also refer Group

12、Market Risk Policy Database)6渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅

13、茫挡港散萧睫镶涛抗研Operational Risk (also refer database B 501)7渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱

14、呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Compliance Risk (also refer database B 601 and B 602)8渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Pr

15、inciple直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Reputational Risk (also refer database B 701 and J401)9渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard

16、 Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Environmental and Social Risk (also refer database B 204)9渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Ris

17、k Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Management Framework & Matrix of Responsibilities9渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & cont

18、rolTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Management Organization10渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk manage

19、ment & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Group Level10渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management &

20、 controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Functional Level11渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management &

21、controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Country Level11渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & cont

22、rolTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Policies and Procedures11渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk manage

23、ment & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研1. Group Policies11渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk manage

24、ment & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研2. Functional Policies12渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk m

25、anagement & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研3.Country Underwriting Standards12渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to e

26、ffective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Risk Pricing13渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effect

27、ive risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Economic Profit13渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effectiv

28、e risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Measurement Tools13渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effectiv

29、e risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Pricing Guidelines13渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effecti

30、ve risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Management of Customers/Counterparties14渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An o

31、rientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Target Customers14渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An or

32、ientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Name Lending14渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orienta

33、tion to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Money Laundering Know your customer (also refer database B 507 and B 534)14渣打银

34、行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Types15渣打银行风险管理手册Risk

35、HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研I.CORPORATES15渣打银行风险管理手册Risk Handb

36、ookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Groups (also refer database J 202, J 20

37、3 and J 206)15渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Lendi

38、ng to Holding Companies (also refer database J101)15渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若

39、梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Subsidiary Companies (also refer database J 207)15渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle

40、直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研II.BANKS16渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔

41、囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Banks and Financial Institutions (also refer database J 154, J 155, J 307, J 804 & J 806)16渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does

42、 it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研III.GOVERNMENTS16渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does i

43、t mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Governments and Government Owned Companies (also refer database J 204)16渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlT

44、ABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研IV.INVESTMENT INSTITUTIONS16渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management &

45、 controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Funds, Fund Managers and Hedge Funds (also refer database J 807 and J 808)16渣打银行风险管理手册Risk HandbookPage 1Risk Who

46、lesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研V.PERSONAL BORROWERS16渣打银行风险管理手册Risk HandbookPage 1Risk

47、Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Lending to Individuals within Functional level policy

48、 (also refer database J 104)17渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk4Risk Principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研Products17渣打银行风险管理手册Risk HandbookPage 1Risk Wholesale Bank An orientation to effective risk management & controlTABLE OF CONTENTSIntroduction3Risk Culture what does it mean at Standard Chartered3Business and Risk