This document outlines a risk management process that involves identifying risks, classifying them by category, measuring their probability and magnitude, scoring the risks, analyzing controls, and visualizing the risk profile. Key steps include appointing risk agents to identify risks, classifying risks into 15 categories, determining probability and impact scales, calculating risk scores, creating a questionnaire to assess board controls, and comparing risks to controls in a visualization. The process is meant to be implemented on a semi-annual basis to regularly review and update the organization's risk assessment and management.
This document discusses risk management in banks. It outlines the three main categories of risks banks face: credit risk, market risk, and operational risk. It then discusses each of these risks in more detail. Credit risk is the potential that a borrower may default on obligations. Market risk relates to changes in market prices. Operational risk involves losses from inadequate internal processes or systems. The document also mentions regulatory risk and environmental risk as other risks banks face. It discusses tools for managing different types of risks and the importance of capital adequacy requirements.
Risk Skills is a recruitment firm that specializes in risk, compliance, and internal audit professionals. They have over 30,000 professionals in their database and extensive experience recruiting for roles like credit risk managers, compliance officers, and operational risk analysts. The risk management industry is growing as organizations increase their investment in these functions after high-profile financial crises. Risk Skills aims to help clients fill needs for specialists with knowledge of the changing regulatory environment.
It gives me immense pleasure to introduce our firm “Riskpro” founded in 2009- a specialized risk management consulting by our Founders who are qualified risk specialists with diverse work experience in India, Middle East, Europe & US across industries & FI’s.
In continuation of our fast growing presence and business trajectory, I would like to welcome you and share towards launch of RiskPro Insurance Risk advisory Services which is an addition to our existing bouquet of Risk advisory , Consulting, Training & Human Capital Services to corporates across India currently being serviced through our multi location delivery locations in major metros with total presence in 11 Indian cities network already. Our dedicated experts team who are qualified seasoned professionals in Insurance industry across diverse business domains with right blend of optimal solutions for high performance business results.
Insurance business , like any other industry has evolved with new business models, government and regulatory changes, increased market players and de-regulation which has impacted functioning of major insurance players (General, Life)to generate business and also adhere to compliances imposed by governing authorities within volatile global paradigm, which necessitates the need for prudent risk management framework in Insurance businesses. Riskpro with its precise risk-reward approach is your ideal partner in de-risking of your insurance business operating model with risk management value proposition for a long-lasting embedded tenet in your business DNA.
Risk Management Service offerings:-
- Risk - Evaluation/Inspection/Audit & Reporting
- Due-Diligence – Current Insurances/Indemnity advisory/Renewals
- Capital Assets Valuation for loss coverage
- Claims Management
- Regulatory Compliances- IRDA/SEBI/ICDR
Key Domain Areas:-
- Property Risk- Physical Assets
- Financial Risk- Monetary Loss
- Liability Risk- Operational Loss
- People Risk- Employees Loss
Please find enclosed our Company brief introduction and services brochure for your kind consideration and give us a chance to be your preferred risk knowledge partners for a mutual alliance.
“We are quoted in recent Economic Times news as among fastest growing risk consulting firms in India.” (Click for more details).
RiskPro India Ventures provides integrated risk management consulting services to mid-large sized companies and financial institutions in India. It aims to be the preferred provider of governance, risk, and compliance (GRC) solutions. RiskPro has offices in major Indian cities and alliances in other cities, and is managed by experienced risk professionals. It offers a variety of risk advisory services including Basel II/III, corporate risks, information security, operational risk, governance, and other specialized risks. RiskPro differentiates itself through its focus on risk management, extensive experience, hybrid delivery model, and ability to take on large complex projects.
The document discusses Riskpro's Certification in Risk Management (CRM). It provides an overview of the following:
1. The need for risk management certification and how Riskpro's CRM program aims to address this need by providing comprehensive risk management training and certification.
2. Details of the CRM program which includes e-learning modules, classroom training, assessments, engagement activities and certification upon completion.
3. FAQs addressing questions around recognition, cost, effectiveness of online vs. classroom learning and comparisons to other risk certifications.
4. Next steps for those interested in exploring the CRM certification and contact information.
(R)isk Revolution - Current trends and challenges in Credit & Operational RiskMarkus Krebsz
This was presented as part of a Senior Australian Bankers' Master Class held at GCU London on 19 Sept 2012. Dr. Robert Webb was co-presenting on the UK & European Banking system.
This document provides an introduction to derivatives and risk management. It defines derivatives as contracts whose value is dependent on an underlying asset like stocks, bonds, currencies, or commodities. Risk management is identified as the process of assessing and controlling risks. The document then discusses how derivatives are used for hedging, speculation, and leverage. It also outlines different types of risks like market, credit, operational, and liquidity risk that are managed. Finally, it lists some common derivatives and risk management products.
This document discusses risk management in banks. It outlines the three main categories of risks banks face: credit risk, market risk, and operational risk. It then discusses each of these risks in more detail. Credit risk is the potential that a borrower may default on obligations. Market risk relates to changes in market prices. Operational risk involves losses from inadequate internal processes or systems. The document also mentions regulatory risk and environmental risk as other risks banks face. It discusses tools for managing different types of risks and the importance of capital adequacy requirements.
Risk Skills is a recruitment firm that specializes in risk, compliance, and internal audit professionals. They have over 30,000 professionals in their database and extensive experience recruiting for roles like credit risk managers, compliance officers, and operational risk analysts. The risk management industry is growing as organizations increase their investment in these functions after high-profile financial crises. Risk Skills aims to help clients fill needs for specialists with knowledge of the changing regulatory environment.
It gives me immense pleasure to introduce our firm “Riskpro” founded in 2009- a specialized risk management consulting by our Founders who are qualified risk specialists with diverse work experience in India, Middle East, Europe & US across industries & FI’s.
In continuation of our fast growing presence and business trajectory, I would like to welcome you and share towards launch of RiskPro Insurance Risk advisory Services which is an addition to our existing bouquet of Risk advisory , Consulting, Training & Human Capital Services to corporates across India currently being serviced through our multi location delivery locations in major metros with total presence in 11 Indian cities network already. Our dedicated experts team who are qualified seasoned professionals in Insurance industry across diverse business domains with right blend of optimal solutions for high performance business results.
Insurance business , like any other industry has evolved with new business models, government and regulatory changes, increased market players and de-regulation which has impacted functioning of major insurance players (General, Life)to generate business and also adhere to compliances imposed by governing authorities within volatile global paradigm, which necessitates the need for prudent risk management framework in Insurance businesses. Riskpro with its precise risk-reward approach is your ideal partner in de-risking of your insurance business operating model with risk management value proposition for a long-lasting embedded tenet in your business DNA.
Risk Management Service offerings:-
- Risk - Evaluation/Inspection/Audit & Reporting
- Due-Diligence – Current Insurances/Indemnity advisory/Renewals
- Capital Assets Valuation for loss coverage
- Claims Management
- Regulatory Compliances- IRDA/SEBI/ICDR
Key Domain Areas:-
- Property Risk- Physical Assets
- Financial Risk- Monetary Loss
- Liability Risk- Operational Loss
- People Risk- Employees Loss
Please find enclosed our Company brief introduction and services brochure for your kind consideration and give us a chance to be your preferred risk knowledge partners for a mutual alliance.
“We are quoted in recent Economic Times news as among fastest growing risk consulting firms in India.” (Click for more details).
RiskPro India Ventures provides integrated risk management consulting services to mid-large sized companies and financial institutions in India. It aims to be the preferred provider of governance, risk, and compliance (GRC) solutions. RiskPro has offices in major Indian cities and alliances in other cities, and is managed by experienced risk professionals. It offers a variety of risk advisory services including Basel II/III, corporate risks, information security, operational risk, governance, and other specialized risks. RiskPro differentiates itself through its focus on risk management, extensive experience, hybrid delivery model, and ability to take on large complex projects.
The document discusses Riskpro's Certification in Risk Management (CRM). It provides an overview of the following:
1. The need for risk management certification and how Riskpro's CRM program aims to address this need by providing comprehensive risk management training and certification.
2. Details of the CRM program which includes e-learning modules, classroom training, assessments, engagement activities and certification upon completion.
3. FAQs addressing questions around recognition, cost, effectiveness of online vs. classroom learning and comparisons to other risk certifications.
4. Next steps for those interested in exploring the CRM certification and contact information.
(R)isk Revolution - Current trends and challenges in Credit & Operational RiskMarkus Krebsz
This was presented as part of a Senior Australian Bankers' Master Class held at GCU London on 19 Sept 2012. Dr. Robert Webb was co-presenting on the UK & European Banking system.
This document provides an introduction to derivatives and risk management. It defines derivatives as contracts whose value is dependent on an underlying asset like stocks, bonds, currencies, or commodities. Risk management is identified as the process of assessing and controlling risks. The document then discusses how derivatives are used for hedging, speculation, and leverage. It also outlines different types of risks like market, credit, operational, and liquidity risk that are managed. Finally, it lists some common derivatives and risk management products.
RISKPRO INDIA
• Riskpro is India’s first national practice dedicated to risk management services and training, corporate governance, and global regulatory compliances
• Risk can be defined as a prospect of loss or reduced gain that can adversely affect the achievement of an organisation’s objectives
• When greed overtakes need, it spells trouble. Manifested as ‘bankruptcy’ in much of the developed world and ‘corruption’ closer to home, greed has clearly disrupted some major industrialised economies and enhanced the risks of doing business
• In today’s world, risks are not few. The reason companies so often fail to systematically manage their key risks is rooted in the way they define the risks they face. Risks are manageable and the answer to untapped business opportunities that lie dormant waiting for risk factors to turn favourable
• Riskpro was founded in 2009 with offices in Mumbai, Delhi, and Bangalore and it has already added eight member firms in Ahmedabad, Agra, Chennai, Gurgaon, Hyderabad, Jaipur, Ludhiana, and Pune. All our offices and member firms are well equipped and staffed with qualified professionals viz. CA, CWA, CS, CPA, CIA, CISA, CFA, and MBA
• Riskpro’s founders are qualified risk management specialists with extensive work experience in Europe and USA in several industries and financial institutions
• Riskpro aims to be the preferred service provider for large and medium enterprises on risk protection, corporate governance, and global regulatory issues; delivering state-of-the-art quality and timely services at viable rates
RISKPRO SERVICES
• Our four major practice specialisations /service lines are:
Risk: Enterprise Risk Management (services and training & recruitment)
Governance: Corporate Governance and Transparency
Compliance: Global and Indian Regulatory Compliances
Training: in all of the above service lines
• The Risk Practice deals with all classes of risks and processes viz. governance, strategic, systemic /infrastructure, compliance, reporting, and financial reporting. Processes require that key risks are properly identified, measured, monitored, controlled, and reported. Processes may also require tools like risk based internal audit, information security testing, and fraud investigations, to be employed
• The Governance Practice deals with corporate oversight and risk governance issues within an organization including business continuity planning, compliance with SEBI guidelines by listed companies, regulations relating to independent directors, investor expectation and protection, Clause-49 on corporate governance, etc
• The Compliance Practice covers a wide range of regulatory and environmental compliances including Sox, IFRS, Solvency II, Basel II /III, Corporate Laws & Direct Tax Code etc
• The Training Practice comprises of a variety of structured and /or industry specific training programs and modules designed and conducted by Riskpro experts and trainers at onsite (client or other off
Utilizing Novell Compliance Management Platform for Continuous Controls Testi...Novell
Compliance used to be a periodic and mostly manual project driven by audit dates and deadlines. But those days are gone. Security threats to IT systems are real and constant. In this session, you will be guided through the architecture of Novell Compliance Management Platform and will learn how to set up continuous compliance for a particular set of IT controls.
Highlights of the session include instructions on how to:
1. Select controls for continuous compliance
2. Set up data collection from IT systems under scrutiny
3. Integrate identity information into collected security data
4. Set up detection mechanisms (correlation rules)
5. Define actions (remediation rules) and reports
This document discusses using an enterprise risk management (ERM) approach to managing personal wealth in volatile markets. It argues that ERM provides a natural conceptual framework for building and protecting wealth. The key pillars of ERM - strategic focus, natural hedging, risk exploitation, and catastrophe protection - can form the basis for successfully managing investments. Applying these pillars involves customizing an investment strategy around unique financial objectives, diversifying across uncorrelated asset classes, employing informed risk-taking, and using portfolio protection against major market shocks.
Riskpro India Ventures provides integrated risk management consulting services to mid-large sized companies in India. It has offices in major cities like Mumbai, Delhi, and Bangalore, and alliances in other cities. Riskpro focuses on risk management and offers advisory services related to areas like credit risk, operational risk, IT risk, governance, and other risks. It aims to provide high quality risk consulting services at affordable rates compared to large consulting firms.
An overview of risk management for undergraduates at the University of Wisconsin, Eau Claire. Also includes thoughts on the credit crisis. Preseted on 11.17.09.
The document discusses Orc Software's risk management tools for trading firms and banks. It describes how Orc Trading for Risk Management gives firms the ability to understand their total risk exposure through features like accurate market views, exposure to risk sensitivities, scenario analysis, and profit and loss projections. The tool is used by leading trading firms and banks to provide real-time risk insights on exchange traded derivatives. It also provides success stories of how heads of trading and risk at different financial institutions have used Orc Trading for Risk Management to improve their risk management and control.
The document discusses various types of market, business, and financial risks. It identifies interest rate risk, credit risk, liquidity risk, volatility risk, operational risk, and market risk as key market risks. Business risks include strategic risks related to industry changes, compliance risks related to laws and regulations, financial risks related to cash flow and operations, and operational risks related to processes and procedures. Risk management strategies involve accepting, transferring, reducing, or eliminating risks through insurance policies, financial instruments, controls, and preventative measures.
Risk governance aims to make risks more "tractable" by influencing factors like frequency and severity. Insurance helps make recovery from crises quicker by providing funding upfront. Reinsurers identify, assess, evaluate, manage and report risks consistently across operations through frameworks and committees. A company's risk culture is shaped by its stated values, assumptions, and how employees act daily. The Chief Risk Officer monitors risks, assesses the risk landscape, and heads decision bodies to inform the company's risk map and decisions. Examples of risk governance include Mexico's disaster fund and the Caribbean Catastrophe Risk Insurance Facility. However, making some risks more tractable still faces challenges from lack of understanding, implementation hurdles, and non-existing
1. Managing credit risk is a key component of risk management for banks. It involves identifying, measuring, monitoring, and controlling risks associated with loans and other credit exposures.
2. The board and senior management are responsible for overseeing credit risk management and approving the bank's overall credit risk strategy and policies. This includes setting risk tolerance levels, ensuring proper expertise and systems are in place to manage credit risk, and reviewing the strategy annually.
3. Components of an effective credit risk management framework include establishing an organizational structure with clear roles and responsibilities, implementing systems and procedures to originate, measure, and monitor credit risk, and conducting independent reviews of the credit risk management process.
Riskpro provides integrated risk management consulting services to mid-large sized companies in India. It has offices in Mumbai, Delhi, and Bangalore, and alliances in other cities. Riskpro is managed by experienced professionals with expertise across various industries. It offers services related to governance, risk and compliance including Basel II/III advisory, corporate risks, IT risk advisory, operational risk management, and training. Riskpro aims to be the preferred provider of complete GRC solutions in India.
Riskpro provides risk management advisory and consulting services across India through its network of offices. It offers a wide range of governance, risk and compliance services including Basel II/III advisory, corporate risk assessment, IT risk management, and operational risk consulting. Riskpro differentiates itself through its focus on risk management, experience, hybrid delivery model, and ability to handle large complex projects. It provides training, recruitment, and temporary staffing services to support clients' risk management functions.
Panel Moderator: Diana McClure, IBHS Business Resiliency Program Manager
Panelists: Tim Lovell, Executive Director, Tulsa Partners;
Paul Ford, Director of Safety and Security, Tampa General Hospital, and Carol Fox, Director, Strategic and Enterprise Risk Practice, RIMS
Riskpro provides integrated risk management consulting services to mid-large sized companies in India through its network of offices and alliances across major cities. It offers a wide range of risk advisory services including governance, regulatory compliance, operations risk, IT risk, and business advisory. Riskpro differentiates itself through its focus on risk management, experience of over 200 professionals, and ability to take on large complex projects through its hybrid delivery model.
This document provides an introduction to risk management concepts. It defines risk as a compound measure of probability and magnitude of adverse effects. It notes that risk involves uncertainty about future events and potential for loss. The document discusses different types of risks like known risks, predictable risks, and unpredictable risks. It also distinguishes between fundamental or macro risks that affect large numbers of people versus particular or micro risks that individuals can partially control. Finally, it covers topics like pure risks versus speculative risks, diversifiable versus non-diversifiable risks, and risk measures used in portfolio theory.
Credit Scoring: The secret to success of e-payment schemesStefan Schicker
Credit scoring is a mathematical and statistical process that examines past data to predict future creditworthiness. It is important for both customers and merchants. For customers, it provides convenience, while for merchants it provides security. Credit scoring is used by websites to determine trust levels and make decisions. Legally, scoring values are important and incorrect data could violate personal rights or data protection laws. Countries regulate scoring and handle cross-border scoring differently.
In this presentation Gopalkrishna Rajagopal talks about what a financial company is, with examples of who they are and what they do. And goes through the key sectors and the business model they have in place at the Williams Capital Group.
Presentation DataScoring: Big Data and credit scoreAnton Vokrug
DataScoring: Retail lending is one of the most popular and prioritized businesses in financial industry as well as demanding the most attention. Lending to potentially bad borrowers may substantially harm bank or credit union therefore this process must be addressed systematically by setting up automated and effective borrowers scoring process.
This problem is solved by our product:
1. We effectively score borrowers using big data.
2. We retrieve additional statistical data to conduct further communications with existing borrowers.
3. Optimize credit portfolio to minimize payment overdues and defaults.
We stack Microsoft technologies in production of the product - .Net, Azure Cloud, C# and CUDA.
Our algorithms and models are built upon (1) group of self-learning neuron networks, (2) system of input data normalization and semantic analyzer for text inputs; (3) customer psychological image design; (4) data clustering; (5) vanilla scoring systems.
Dewan Komisaris bertugas untuk mengawasi dan memberikan nasihat kepada Direksi sesuai dengan Anggaran Dasar Perusahaan. Dewan Komisaris terdiri dari satu atau lebih anggota yang diangkat oleh RUPS untuk jangka waktu tertentu, dan bertanggung jawab secara pribadi atau bersama atas kerugian Perusahaan yang disebabkan oleh kesalahan atau kelalaiannya.
Dokumen tersebut membahas tentang Perseroan Terbatas (PT) sebagai badan hukum, termasuk dasar hukum, definisi, pembentukan, modal, saham, dan pengaturan lainnya sesuai UU Perseroan Terbatas.
Dokumen tersebut merupakan draft pedoman Good Corporate Governance (GCG) untuk perbankan Indonesia yang diterbitkan oleh Komite Nasional Kebijakan Governance pada tahun 2012. Pedoman ini menjelaskan prinsip-prinsip dasar GCG meliputi transparansi, akuntabilitas, tanggung jawab, independensi dan kesetaraan serta komitmen yang dibutuhkan bank untuk menerapkannya. Pedoman ini juga menjelaskan struktur tata kelola perusahaan bank dan faktor
RISKPRO INDIA
• Riskpro is India’s first national practice dedicated to risk management services and training, corporate governance, and global regulatory compliances
• Risk can be defined as a prospect of loss or reduced gain that can adversely affect the achievement of an organisation’s objectives
• When greed overtakes need, it spells trouble. Manifested as ‘bankruptcy’ in much of the developed world and ‘corruption’ closer to home, greed has clearly disrupted some major industrialised economies and enhanced the risks of doing business
• In today’s world, risks are not few. The reason companies so often fail to systematically manage their key risks is rooted in the way they define the risks they face. Risks are manageable and the answer to untapped business opportunities that lie dormant waiting for risk factors to turn favourable
• Riskpro was founded in 2009 with offices in Mumbai, Delhi, and Bangalore and it has already added eight member firms in Ahmedabad, Agra, Chennai, Gurgaon, Hyderabad, Jaipur, Ludhiana, and Pune. All our offices and member firms are well equipped and staffed with qualified professionals viz. CA, CWA, CS, CPA, CIA, CISA, CFA, and MBA
• Riskpro’s founders are qualified risk management specialists with extensive work experience in Europe and USA in several industries and financial institutions
• Riskpro aims to be the preferred service provider for large and medium enterprises on risk protection, corporate governance, and global regulatory issues; delivering state-of-the-art quality and timely services at viable rates
RISKPRO SERVICES
• Our four major practice specialisations /service lines are:
Risk: Enterprise Risk Management (services and training & recruitment)
Governance: Corporate Governance and Transparency
Compliance: Global and Indian Regulatory Compliances
Training: in all of the above service lines
• The Risk Practice deals with all classes of risks and processes viz. governance, strategic, systemic /infrastructure, compliance, reporting, and financial reporting. Processes require that key risks are properly identified, measured, monitored, controlled, and reported. Processes may also require tools like risk based internal audit, information security testing, and fraud investigations, to be employed
• The Governance Practice deals with corporate oversight and risk governance issues within an organization including business continuity planning, compliance with SEBI guidelines by listed companies, regulations relating to independent directors, investor expectation and protection, Clause-49 on corporate governance, etc
• The Compliance Practice covers a wide range of regulatory and environmental compliances including Sox, IFRS, Solvency II, Basel II /III, Corporate Laws & Direct Tax Code etc
• The Training Practice comprises of a variety of structured and /or industry specific training programs and modules designed and conducted by Riskpro experts and trainers at onsite (client or other off
Utilizing Novell Compliance Management Platform for Continuous Controls Testi...Novell
Compliance used to be a periodic and mostly manual project driven by audit dates and deadlines. But those days are gone. Security threats to IT systems are real and constant. In this session, you will be guided through the architecture of Novell Compliance Management Platform and will learn how to set up continuous compliance for a particular set of IT controls.
Highlights of the session include instructions on how to:
1. Select controls for continuous compliance
2. Set up data collection from IT systems under scrutiny
3. Integrate identity information into collected security data
4. Set up detection mechanisms (correlation rules)
5. Define actions (remediation rules) and reports
This document discusses using an enterprise risk management (ERM) approach to managing personal wealth in volatile markets. It argues that ERM provides a natural conceptual framework for building and protecting wealth. The key pillars of ERM - strategic focus, natural hedging, risk exploitation, and catastrophe protection - can form the basis for successfully managing investments. Applying these pillars involves customizing an investment strategy around unique financial objectives, diversifying across uncorrelated asset classes, employing informed risk-taking, and using portfolio protection against major market shocks.
Riskpro India Ventures provides integrated risk management consulting services to mid-large sized companies in India. It has offices in major cities like Mumbai, Delhi, and Bangalore, and alliances in other cities. Riskpro focuses on risk management and offers advisory services related to areas like credit risk, operational risk, IT risk, governance, and other risks. It aims to provide high quality risk consulting services at affordable rates compared to large consulting firms.
An overview of risk management for undergraduates at the University of Wisconsin, Eau Claire. Also includes thoughts on the credit crisis. Preseted on 11.17.09.
The document discusses Orc Software's risk management tools for trading firms and banks. It describes how Orc Trading for Risk Management gives firms the ability to understand their total risk exposure through features like accurate market views, exposure to risk sensitivities, scenario analysis, and profit and loss projections. The tool is used by leading trading firms and banks to provide real-time risk insights on exchange traded derivatives. It also provides success stories of how heads of trading and risk at different financial institutions have used Orc Trading for Risk Management to improve their risk management and control.
The document discusses various types of market, business, and financial risks. It identifies interest rate risk, credit risk, liquidity risk, volatility risk, operational risk, and market risk as key market risks. Business risks include strategic risks related to industry changes, compliance risks related to laws and regulations, financial risks related to cash flow and operations, and operational risks related to processes and procedures. Risk management strategies involve accepting, transferring, reducing, or eliminating risks through insurance policies, financial instruments, controls, and preventative measures.
Risk governance aims to make risks more "tractable" by influencing factors like frequency and severity. Insurance helps make recovery from crises quicker by providing funding upfront. Reinsurers identify, assess, evaluate, manage and report risks consistently across operations through frameworks and committees. A company's risk culture is shaped by its stated values, assumptions, and how employees act daily. The Chief Risk Officer monitors risks, assesses the risk landscape, and heads decision bodies to inform the company's risk map and decisions. Examples of risk governance include Mexico's disaster fund and the Caribbean Catastrophe Risk Insurance Facility. However, making some risks more tractable still faces challenges from lack of understanding, implementation hurdles, and non-existing
1. Managing credit risk is a key component of risk management for banks. It involves identifying, measuring, monitoring, and controlling risks associated with loans and other credit exposures.
2. The board and senior management are responsible for overseeing credit risk management and approving the bank's overall credit risk strategy and policies. This includes setting risk tolerance levels, ensuring proper expertise and systems are in place to manage credit risk, and reviewing the strategy annually.
3. Components of an effective credit risk management framework include establishing an organizational structure with clear roles and responsibilities, implementing systems and procedures to originate, measure, and monitor credit risk, and conducting independent reviews of the credit risk management process.
Riskpro provides integrated risk management consulting services to mid-large sized companies in India. It has offices in Mumbai, Delhi, and Bangalore, and alliances in other cities. Riskpro is managed by experienced professionals with expertise across various industries. It offers services related to governance, risk and compliance including Basel II/III advisory, corporate risks, IT risk advisory, operational risk management, and training. Riskpro aims to be the preferred provider of complete GRC solutions in India.
Riskpro provides risk management advisory and consulting services across India through its network of offices. It offers a wide range of governance, risk and compliance services including Basel II/III advisory, corporate risk assessment, IT risk management, and operational risk consulting. Riskpro differentiates itself through its focus on risk management, experience, hybrid delivery model, and ability to handle large complex projects. It provides training, recruitment, and temporary staffing services to support clients' risk management functions.
Panel Moderator: Diana McClure, IBHS Business Resiliency Program Manager
Panelists: Tim Lovell, Executive Director, Tulsa Partners;
Paul Ford, Director of Safety and Security, Tampa General Hospital, and Carol Fox, Director, Strategic and Enterprise Risk Practice, RIMS
Riskpro provides integrated risk management consulting services to mid-large sized companies in India through its network of offices and alliances across major cities. It offers a wide range of risk advisory services including governance, regulatory compliance, operations risk, IT risk, and business advisory. Riskpro differentiates itself through its focus on risk management, experience of over 200 professionals, and ability to take on large complex projects through its hybrid delivery model.
This document provides an introduction to risk management concepts. It defines risk as a compound measure of probability and magnitude of adverse effects. It notes that risk involves uncertainty about future events and potential for loss. The document discusses different types of risks like known risks, predictable risks, and unpredictable risks. It also distinguishes between fundamental or macro risks that affect large numbers of people versus particular or micro risks that individuals can partially control. Finally, it covers topics like pure risks versus speculative risks, diversifiable versus non-diversifiable risks, and risk measures used in portfolio theory.
Credit Scoring: The secret to success of e-payment schemesStefan Schicker
Credit scoring is a mathematical and statistical process that examines past data to predict future creditworthiness. It is important for both customers and merchants. For customers, it provides convenience, while for merchants it provides security. Credit scoring is used by websites to determine trust levels and make decisions. Legally, scoring values are important and incorrect data could violate personal rights or data protection laws. Countries regulate scoring and handle cross-border scoring differently.
In this presentation Gopalkrishna Rajagopal talks about what a financial company is, with examples of who they are and what they do. And goes through the key sectors and the business model they have in place at the Williams Capital Group.
Presentation DataScoring: Big Data and credit scoreAnton Vokrug
DataScoring: Retail lending is one of the most popular and prioritized businesses in financial industry as well as demanding the most attention. Lending to potentially bad borrowers may substantially harm bank or credit union therefore this process must be addressed systematically by setting up automated and effective borrowers scoring process.
This problem is solved by our product:
1. We effectively score borrowers using big data.
2. We retrieve additional statistical data to conduct further communications with existing borrowers.
3. Optimize credit portfolio to minimize payment overdues and defaults.
We stack Microsoft technologies in production of the product - .Net, Azure Cloud, C# and CUDA.
Our algorithms and models are built upon (1) group of self-learning neuron networks, (2) system of input data normalization and semantic analyzer for text inputs; (3) customer psychological image design; (4) data clustering; (5) vanilla scoring systems.
Dewan Komisaris bertugas untuk mengawasi dan memberikan nasihat kepada Direksi sesuai dengan Anggaran Dasar Perusahaan. Dewan Komisaris terdiri dari satu atau lebih anggota yang diangkat oleh RUPS untuk jangka waktu tertentu, dan bertanggung jawab secara pribadi atau bersama atas kerugian Perusahaan yang disebabkan oleh kesalahan atau kelalaiannya.
Dokumen tersebut membahas tentang Perseroan Terbatas (PT) sebagai badan hukum, termasuk dasar hukum, definisi, pembentukan, modal, saham, dan pengaturan lainnya sesuai UU Perseroan Terbatas.
Dokumen tersebut merupakan draft pedoman Good Corporate Governance (GCG) untuk perbankan Indonesia yang diterbitkan oleh Komite Nasional Kebijakan Governance pada tahun 2012. Pedoman ini menjelaskan prinsip-prinsip dasar GCG meliputi transparansi, akuntabilitas, tanggung jawab, independensi dan kesetaraan serta komitmen yang dibutuhkan bank untuk menerapkannya. Pedoman ini juga menjelaskan struktur tata kelola perusahaan bank dan faktor
Dokumen tersebut membahas berbagai bentuk badan usaha yang umum, termasuk perusahaan perorangan, persekutuan firma, commanditaire vennootschap, koperasi, dan perseroan terbatas. Untuk setiap bentuk usaha dijelaskan ciri-cirinya seperti struktur kepemilikan dan tanggung jawab para pemilik, serta contoh pencatatan akuntansinya.
The document provides an overview of the roles and responsibilities of board members. It discusses what attracts and detracts people from board service. It emphasizes the importance of board members asking the right questions about the organization, their commitments, and potential conflicts of interest. The document outlines fiduciary duties including duty of care, loyalty and obedience. It discusses how board members can fulfill these duties through diligence, avoiding conflicts, and acting honestly. The document also addresses exposure to liability through negligent mismanagement, lack of authority, and breach of trust regarding investments and commingling of funds.
Crédit socring, l'octroi des cartes bancaires (présentation)Marwen Allaguy
Conception et développement d’un Business Process Management qui sera intégré au reste des modules d’Himilco Platform et dont le rôle principal est de normaliser le processus d’octroi de cartes bancaire.
This document discusses corporate governance, ethics, and social responsibility. It defines corporate governance as balancing economic and social goals. Effective corporate governance provides shareholder rights, equitable treatment, transparency, and board responsibilities. Good corporate governance benefits companies through aligned interests, stability, investor confidence, and competitive advantages. The Securities and Exchange Board of India regulates corporate governance in India and promotes standards, effective markets, enforcement, and high governance. Business ethics and social responsibility are important. Companies should act ethically and consider stakeholders, communities, and the environment in their decisions.
Global Supply Risk Monitor (GSRM) is the Global services industry's first ever comprehensive Risk Monitoring service developed by Neo Group Inc to proactively identify, monitor and report services supply chain risks, ensuring global corporations can sustain and further the gains from outsourcing.
An Enterprise Risk Management (ERM) programme can help organizations achieve strategic objectives more effectively by taking a systematic approach to identifying, assessing, and addressing risks across the whole organization rather than operating in silos. Key aspects of an effective ERM programme include linking risk strategy to business strategy, establishing clear risk management responsibilities, and using risk information to improve decision-making and investment choices. Regular risk assessment and monitoring can optimize risk management and control activities while supporting organizational learning and competitiveness.
Best Practices in Applied Behavioral Financetnunnally
The program provides a basic understanding of the behavioral biases and emotional responses that often cause irrational financial decision-making. Participants will learn how to identify key risk factors in the decision making process and will be taught methods to help mitigate them.
This document provides an overview of risk management for social enterprises. It defines risk and risk management, outlines the risk management process which includes identifying risks, assessing risks, and managing risks. The workshop objectives are to understand what constitutes risk, apply the risk management process, and use tools to support risk management. Key aspects covered include identifying five main types of risks, using a risk assessment matrix to evaluate risks, developing a risk register to document risks and mitigation strategies, and regularly reviewing and updating the risk management plan.
This presentation features the Risk Analysis Module of the Social Enterprise Learning Toolkit developed by Enterprising Non-Profits. The Toolkit offers a number of different learning modules and can be found on the enp website at www.enterprisingnonprofits.ca
Riskpro is an Indian risk management consulting firm with offices in Mumbai, Delhi, and Bangalore. It provides integrated risk management services to mid-large sized corporations and financial institutions. Riskpro's mission is to be the preferred provider of governance, risk, and compliance solutions. It offers a wide range of risk advisory services including Basel II/III advisory, corporate risks, information security, and operational risk management. Riskpro differentiates itself through its focus on risk management, over 200 years of cumulative experience, hybrid delivery model, and ability to take on large complex projects.
Riskpro is an Indian risk management organization with offices in major cities. It provides integrated risk management consulting services to mid-large sized companies. Its mission is to be the preferred provider of governance, risk and compliance solutions. It offers a wide range of risk advisory services including Basel compliance, corporate risks, information security, and operational risk management. It takes a holistic approach to people risk management and operational risk management. It also assists with legal compliance, knowledge management programs, and outsourcing risk monitoring.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large sized companies, with a focus on governance, risk and compliance solutions. Riskpro aims to be the preferred provider of complete GRC solutions through quality advisory services at affordable rates compared to large consulting firms. It has over 200 years of cumulative experience across its multi-skilled team members.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large sized companies, with a focus on governance, risk and compliance solutions. Riskpro aims to be the preferred provider of complete GRC solutions through quality advisory services at affordable rates compared to large consulting firms. It has over 200 years of cumulative experience across its multi-skilled team members.
Riskpro India Ventures provides integrated risk management consulting services including fraud risk management. It has offices in major Indian cities and alliances in other cities, managed by experienced professionals. Riskpro aims to provide quality advisory services typically offered by large firms, at more affordable prices. It focuses solely on risk management and has over 200 years of cumulative experience. The document discusses fraud risk diagnostics and management services including fraud investigation, anti-money laundering support, and a whistleblower hotline.
Riskpro India Ventures provides integrated risk management consulting services including fraud risk management. It has offices in major Indian cities and alliances in other cities, managed by experienced professionals. Riskpro aims to provide quality advisory services typically offered by large firms, at more affordable prices. It focuses solely on risk management and has over 200 years of cumulative experience. The document discusses fraud risk diagnostics and management services including investigation, prevention, ethics programs, and a whistleblower hotline.
Riskpro India Ventures provides risk management consulting services through offices in major Indian cities. It aims to provide integrated risk management solutions to mid-large sized companies and financial institutions. Riskpro consists of experienced professionals with expertise in various industries. It offers services such as fraud investigations, risk management, forensics, and compliance to help clients prevent losses and improve governance.
Riskpro India Ventures provides risk management consulting services through offices in major Indian cities. It aims to provide integrated risk management solutions to mid-large sized companies and financial institutions. Riskpro consists of experienced professionals with expertise in various industries. It offers services such as fraud investigations, risk management, business ethics programs, and forensic accounting. Clients include companies from sectors like banking, automotive, telecom, insurance, real estate, pharmaceuticals, energy, and securities.
Riskpro provides integrated risk management consulting services to mid-large sized corporate and financial institutions in India. They have offices in Delhi, Mumbai, and Bangalore with alliances in other cities. Riskpro is managed by experienced professionals with decades of experience in various industries. They offer a wide range of insurance sector and risk advisory services including Basel II/III advisory, corporate risk assessment, information security services, and operational risk management. Their training services help clients develop expertise in insurance, risk management, and regulatory compliance areas.
In continuation of our fast growing presence and business trajectory, I would like to welcome you and share towards launch of RiskPro Insurance Risk advisory Services which is an addition to our existing bouquet of Risk advisory , Consulting, Training & Human Capital Services to corporates across India currently being serviced through our multi location delivery locations in major metros with total presence in 11 Indian cities network already. Our dedicated experts team who are qualified seasoned professionals in Insurance industry across diverse business domains with right blend of optimal solutions for high performance business results.
Insurance business , like any other industry has evolved with new business models, government and regulatory changes, increased market players and de-regulation which has impacted functioning of major insurance players (General, Life)to generate business and also adhere to compliances imposed by governing authorities within volatile global paradigm, which necessitates the need for prudent risk management framework in Insurance businesses. Riskpro with its precise risk-reward approach is your ideal partner in de-risking of your insurance business operating model with risk management value proposition for a long-lasting embedded tenet in your business DNA.
RiskPro India Ventures provides integrated risk management consulting services to mid-large sized companies in India. It has offices in three major cities - Mumbai, Delhi, and Bangalore. RiskPro's team of experienced professionals offers a wide range of risk advisory services focused on governance, risk, and compliance. These services include enterprise risk assessment, risk-based internal audits, information security audits, and assistance with insurance-related risks like claims management and regulatory compliance.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large sized companies and financial institutions. Riskpro's services include Basel II/III advisory, corporate risk assessment, information security, operational risk management, governance services, and training. It has a network of experienced risk professionals and aims to be the preferred provider of governance, risk and compliance solutions through high quality and timely services.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large sized companies and financial institutions. Riskpro's services include Basel II/III advisory, corporate risk assessment, information security, operational risk management, governance services, and training. It has a network of experienced risk professionals and aims to be the preferred provider of governance, risk and compliance solutions through high quality and timely services.
This document discusses project risk management and identifies risks. It outlines the process of identifying risks through team brainstorming and using the work breakdown structure. Key steps include describing specific risks and having the team come to a mutual understanding of potential risk events. The goals of risk management are to anticipate problems, minimize surprises, and increase the likelihood of project success.
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https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
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Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
2. How to Manage risk
Risk identification Kuesioner wewenang
Risk classification dan tanggung jawab
Risk magnitude Direksi dan Komisaris
measure yang terkait dengan
pengendalian internal
Risk probability dan Risiko
measure
Control identification
Risk scoring Control classification
Control scoring
4. The Process (in time)
Risk Analysis
Risk
Risk Identification Risk Measure Risk Scoring
Classification
Assess once, review
semi-annually
semi-annually
Control Analysis
Questioner Control Control
Control Scoring
of Board’s control Identification Classification
Create once, review
semi-annually
every three years
5. How to identify
Risk Identification
Create counterpart per
department, per Company with
“SK Direksi” to be the man in-
charge at their company as risk
agent [because risk owner will
precisely identify any on going
risk happen better than Holding’s
RMO]
Risk Agent will define the
business process in a flowchart
form at their department
Risk Agent then identify the risk
on each process
6. How to identify
Risk Identification
No Risk
Put all the risk 1 Jaminan TKI tak terbayar pada
tahun 2010
together in worksheet 2 Regulasi ketenagakerjaan
Handed to Holding’s
3 Hubungan diplomatik luar negeri
4 Karyawan yang di deliver ke
RMO client under standard
5 Rugi kurs
6 Pengembangan pasar stagnan
RMO then will compile 7 Keterlambatan bayar dari klien
8 Proses bisnis tidak terarah
all the risk together, 9 Perusahaan tidak memiliki arah
eliminate any recurrent 10 Terkena hukuman eksternal
(fiskus, eksternal auditor dll)
11 Reputasi buruk
risks
12 Karyawan under-stress
13 Lemahnya kontrol dan
komunikasi
14 Miskomunikasi dengan klien
7. Classifying yourrisk
Risk No Risk Risk Category
Classification 1 Jaminan TKI tak terbayar pada Liquidity risk
tahun 2010
RMO then classify risk into 15
category: 2 Regulasi ketenagakerjaan Legal risk
Interest rate risk 3 Hubungan diplomatik luar negeri Political risk
Exchange rate risk
4 Karyawan yang di deliver ke Productivity risk
Liquidity risk client under standard
Credit risk (gagal bayar) 5 Rugi kurs Exchange rate risk
Capital structure risk 6 Pengembangan pasar stagnan Innovation risk
7 Keterlambatan bayar dari klien Credit risk
Human resource risk 8 Proses bisnis tidak terarah Procedure risk
Productivity risk
Technology risk 9 Perusahaan tidak memiliki arah Innovation risk
Innovation risk 10 Terkena hukuman eksternal Legal risk
Information system risk (fiskus, eksternal auditor dll)
Procedure risk 11 Reputasi buruk Reputational risk
Environment risk 12 Karyawan under-stress Human resources risk
Reputational risk
Legal risk
Political risk 13 Lemahnya kontrol dan Procedure risk
komunikasi
14 Miskomunikasi dengan klien Human resources risk
8. Classifying your risk
Risk
Classification
RMO decide the
magnitude standard for
each category
Probable
Moderate High High
(High)
Likelihood
Reasonably Possible
Low Moderate High
(Moderate)
Remote
Low Low Moderate
(Low)
Insignificant Significant Material
(Low) (Moderate) (High)
Magnitude
9. Classifying your risk
Risk
Classification Risk Category Magnitude
Interest rate risk M
RMO decide the Exchange rate risk M
Liquidity risk H
magnitude standard for Credit risk M
each category Capital structure risk L
Human resource risk L
Productivity risk H
Low risk is basic risk L 1 Technology risk L
M 2 Innovation risk L
Medium risk is twice then low risk
Information system risk M
High risk is twice then medium risk H 4
Procedure risk M
Environment risk H
Reputational risk H
Legal risk M
Political risk L
10. Measuring your risk
Risk Measure
Score
No Risk Risk Category Magnitude Weight Porbability
1 Jaminan TKI tak terbayar pada Liquidity risk
RMO then handed- tahun 2010
H 4 50%
2 Regulasi ketenagakerjaan Legal risk
back the risk list 3 Hubungan diplomatik luar negeri Political risk
M 2 15%
L 1 1%
categorized to risk 4 Karyawan yang di deliver ke
client under standard
Productivity risk
H 4 75%
5 Rugi kurs Exchange rate risk M 2 50%
agent for them to 6 Pengembangan pasar stagnan
7 Keterlambatan bayar dari klien
Innovation risk
Credit risk
L
M
1
2
95%
25%
8 Proses bisnis tidak terarah Procedure risk
measure the risks 9 Perusahaan tidak memiliki arah Innovation risk
M 2 80%
L 1 80%
Risk Agent measure 10 Terkena hukuman eksternal
(fiskus, eksternal auditor dll)
Legal risk
M 2 95%
11 Reputasi buruk Reputational risk
the probability 12 Karyawan under-stress Human resources risk
H 4 50%
L 1 50%
Very unlikely 10%
Unlikely 20%
Likely 40%
Very likely 80%
Certain 100%
11. Scoring your risk
Risk Scoring
Score Risk
Risk Agent handed Magnitude Weight Porbability Score
back measured risk
H 4 50% 4%
lists to RMO
M 2 15% 1%
RMO finalize the risk
L 1 1% 0.0%
of each category into
H 4 75% 6.1%
scoring of risk M 2 50% 2.0%
L 1 95% 1.9%
RS = (RM*prob)/TR M 2 25% 1.0%
M 2 80% 3.3%
RS = Risk Score
RM = Risk Magnitude L 1 80% 1.6%
TR = Total Risk Magnitude
on each Category
13. BoD and BoC control
Create questionnaire for BOD & BOC regardless control of risks on:
Interest rate risk Innovation risk
Exchange rate risk Information system risk
Liquidity risk Procedure risk
Credit risk Environment risk
Capital structure risk Reputational risk
Human resource risk Legal risk
Productivity risk Political risk
Technology risk
14. Scoring your control
Questionnaire filled to see the score and then
compared to its risk
Score = 1 – questionnaire filled
To simplify the visualization of risk against control
16. Need to do
The list need to be
SK Direksi penunjukkan Risk agent
Review on 15 category of risks
Review on magnitude standard of each
risk category
Control questionnaire