KvRx me©‡kl bevq‡bi

01 Rvbyqvix -2019
ZvwiL :
G¨vUvqvi&m wjwg‡UW
cieZx© bevq‡bi ZvwiL
31 wW‡m¤^i - 2019
:
cwjwQ Kvh©Ki Kivi `vwqZ¡kxj e¨w³ e¨e¯’vcK Ges BDwbU Kg©KZ©v (gvbe m¤ú`
: I cÖkvmb)

Risk Assessment Policy

SzwKu wbiæcb bxwZgvjv
KvRx G¨Uvqvi&m wj: KZ©„c¶ e¨emvwqK Kvh©µg cwiPvjbvi †ÿ‡Î Kg©Pvix I
kÖwgK‡`i Kg©‡ÿÎ ¯^v¯’¨¯§Z, wbivc` I SzwKugy³ ivL‡Z wKQz †gŠwjK bxwZgvjv
cÖYqY K‡i‡Q, hvi g‡a¨ SzwKu wbiæcY bxwZgvjv Ab¨Zg| cÖwZwU K‡©g wKQz bv
wKQz SzwKu i‡q‡Q hv, cÖ‡Z¨K kÖwK‡K Zv‡`i Kv‡Ri ‡ÿ‡Î SywKumg~n wPwýZ K‡i
wKfv‡e wbivc` I SywKugy³ _vKv hvq G bxwZgvjvi jÿ¨I ZvB| G bxwZgvjvi Av‡jv‡K
Kg©‡ÿÎ wbivc`,Riæix Ae¯’vq Kibxq, wPwKrmv †mev, mK‡ji m¦v¯’¨ I wbivcËv Ges
SzwKu wbiæcY BZ¨vw` wel‡q DaŸ©Zb KZ„©©cÿ †_‡K I‡qj‡dqvi Awdmvi, Wv³vi,
Kgcøv‡qÝ Awdmvi I e¨e¯’vcK gvbe m¤ú` wefvM wbqwgZ h_vh_ c`‡ÿc I cÖwkÿ‡Yi
e¨e¯’v MÖnY K‡i _v‡K|
 Kg©‡ÿ‡Î wefvM Abymv‡i SzwKumg~n wPwýZ K‡i Gi cÖwZKv‡ii
e¨e¯’v MÖnY Kiv t
 myBs wefvM : †gwkb cwiPvjbvq SzwKumg~n :
1. wb‡Wj †dvUvi SzwuK|
2. B‡jw±ªK¨vj kK jvMvi SywKu|
3. ‡Pv‡L fv½v wb‡Wj †XvKvi SzwKu|
4. cwj Kvfvi Kvc‡o †cQ †j‡M AvNvZ cvIqvi SzwuK|
5. ‡gwkb cwiPvjbvi mgq Pvc †j‡M AvNvZ cvIqvi SwyKu|
6. KvR Kivi mgq wmRvi,KvUvi I aviv‡jv h‡š¿i Øviv AvNvZ cvIqvi SzwuK|
7. Wv÷ ev ayjv gqjv bv‡Ki gva¨‡g cÖ‡ek K‡i k^vm cÖk^v‡mi †ivM nIqvi
SzwKu|
8. PjvP‡ji mKj iv¯Ív I wmwo‡Z evav cÖvß nIqv`i SzwKu|
AvµvšÍ e¨w³MY n‡”Q : mKj Acv‡iUi, †njcvi ,mycvifvBRvi I
mswkøó mnKg©xMY|
SzwKumg~‡ni gvÎv : 1. kã `~lY 2. wb‡W‡ji AvNvZ 3. kixwiK
AvNvZ
 myBs wefvM : †gwkb cwiPvjbvq SzwKumg~n wbiæc‡b
Kibxq(Potential Safegurd) :

1
 KvRx me©‡kl bevq‡bi
01 Rvbyqvix -2019
ZvwiL :
G¨vUvqvi&m wjwg‡UW
cieZx© bevq‡bi ZvwiL
31 wW‡m¤^i - 2019
:
cwjwQ Kvh©Ki Kivi `vwqZ¡kxj e¨w³ e¨e¯’vcK Ges BDwbU Kg©KZ©v (gvbe m¤ú`
: I cÖkvmb)

1. myBs wefv‡M Kg©iZ mK‡ji Rb¨ ¯^v¯’¨ I wbivcËv wel‡q cÖwkÿ‡Yi e¨e¯’v
Kiv|
2. B‡jw±ªK¨vj jvBb †PK Kiv Ges h_vh_ e¨e¯’v Kiv|
3. Kv‡Ri mgq wmRvi,KvUvi iwk w`‡q †e‡a KvR Kiv|
4. KvR Kivi mgq Aek¨B AvB MvW© e¨envi Kiv|
5. cwj Kvfvi e¨envi Kiv |
6. ‡gwkb cwiPvjbvi wd½vi MvW© e¨envi Kiv|
7. KvR Kivi mgq wmRvi,KvUvi I aviv‡jv hš¿ iwk w`‡q †e‡au KvR Kiv|
8. Wv÷ ev ayjv gqjv hv‡Z bv cÖ‡ek K‡i GRb¨ gv¯‹ e¨envi Kiv|
9. kÖwgK I Kg©Pvix‡`i PjvP‡ji iv¯Ív, wmwo I njy` `vM †`Iqv iv¯Ívq ‡Kvb
gvjvgvj ivLv hv‡e bv|
10. wcG wm‡÷‡g †Nvlbv Kiv|
`vwqZ¡kxj e¨w³ (Responsible Person): Rbve AvwbQzi ingvb g¨v‡bRvi
†cÖvWvKkb, BbPvR© myBs Ges GBP Avi Kgcøv‡qÝ wefvM|
KvwUs wefvM : KvwUs †gwkb cwiPvjbvq SywuKmg~n t
1. a~jv ev gqjvi gva¨‡g k^vm cÖk^vm mgm¨vi SzwKu|
2. KvwUs †gwkb bvB‡di gva¨‡g AvNvZ cvIqv&i SzwKu|
3. ‡Uwej †_‡K wmRvi A_ev KvUvi c‡i AvNvZ cvIqvi SywKu|
4. kU© mvwK©‡Ui Kvi‡Y AvnZ nIqvi SzwKu|
AvµvšÍ e¨w³MY n‡”Q : KvwUsg¨vb, †njcvi ,mycvifvBRvi I mswkøó
mnKg©xMY|
SzwKumg~‡ni gvÎv : 1. kã `~lY 2. KvwUs ‡gwkb Acv‡iwUs Gi mgq AvNvZ 3.
kixwiK AvNvZ
 KvwUs wefvM: †gwkb cwiPvjbvq SzwKumg~n wbiæc‡b
Kibxq(Potential Safegurd):
1. KvwUs wefv‡M Kg©iZ mK‡ji Rb¨ ¯^v¯’¨ I wbivcËv wel‡q cÖwkÿ‡Yi e¨e¯’v
Kiv|
2. B‡jw±ªK¨vj jvBb †PK Kiv Ges h_vh_ e¨e¯’v Kiv|
3. Kv‡Ri mgq wmRvi,KvUvi iwk w`‡q †e‡a KvR Kiv|
4. ‡gwkb cwiPvjbvi wcwcB (‡gUvj Møvfm e¨envi Kiv)|
5. KvR Kivi mgq wmRvi,KvUvi I aviv‡jv hš¿ iwk w`‡q †e‡au KvR Kiv|
6. Wv÷ ev ayjv gqjv hv‡Z bv cÖ‡ek K‡i GRb¨ gv¯‹ e¨envi Kiv|

2
 KvRx me©‡kl bevq‡bi
01 Rvbyqvix -2019
ZvwiL :
G¨vUvqvi&m wjwg‡UW
cieZx© bevq‡bi ZvwiL
31 wW‡m¤^i - 2019
:
cwjwQ Kvh©Ki Kivi `vwqZ¡kxj e¨w³ e¨e¯’vcK Ges BDwbU Kg©KZ©v (gvbe m¤ú`
: I cÖkvmb)

7. kÖwgK I Kg©Pvix‡`i PjvP‡ji iv¯Ív, wmwo I njy` `vM †`Iqv iv¯Ívq ‡Kvb
gvjvgvj bv ivLv|
8. wcG wm‡÷‡g †NvlYv Kiv|
 `vwqZ¡kxj e¨w³ (Responsible Person): Rbve AvwbQzi ingvb g¨v‡bRvi
†cÖvWvKkb, BbPvR© KvwUs Ges GBP Avi Kgcøv‡qÝ wefvM|
wdwbwks wefvM : wdwbwks wefv‡Mi SywuKmg~n
1. a~jv ev gqjvi gva¨‡g k^vm cÖk^vm mgm¨vi SzwKu|
2. AvqiY cwiPvjbvq we`~¨‡Zi gva¨‡g B‡jw±ªK¨vj k‡K AvNvZ cvIqv&i SzwKu|
3. ‡Uwej †_‡K wmRvi A_ev KvUvi c‡i AvNvZ cvIqvi SywKu|
AvµvšÍ e¨w³MY n‡”Q : cwjg¨vb, †dvwìsg¨vb, c¨wKsg¨vb,†njcvi,mycvifvBRvi
I mswkøó mnKg©xMY|
SzwKumg~‡ni gvÎv : 1. kã `~lY 2. AvqiY Acv‡iwUs Gi mgq B‡jw±ªK k‡Ki
AvNvZ 3. kixwiK AvNvZ|
 wdwbwks wefvM: Avqib †gwkb cwiPvjbvq SzwKumg~n
wbiæc‡b Kibxq(Potential Safegurd):
1. wdwbwks wefv‡M Kg©iZ mK‡ji Rb¨ wbqwgZ ¯^v¯’¨ I wbivcËv wel‡q
cÖwkÿ‡Yi e¨e¯’v Kiv|
2. B‡jw±ªK¨vj jvBb †PK Kiv Ges h_vh_ e¨e¯’v Kiv|
3. Kv‡Ri mgq wmRvi,KvUvi iwk w`‡q †e‡a KvR Kiv|
4. ‡gwkb cwiPvjbvi wcwcB e¨envi Kiv|
5. KvR Kivi mgq wmRvi,KvUvi I aviv‡jv hš¿ iwk w`‡q †e‡au KvR Kiv|
6. Wv÷ ev ayjv gqjv hv‡Z bv cÖ‡ek K‡i GRb¨ gv¯‹ e¨envi Kiv|
7. kÖwgK I Kg©Pvix‡`i PjvP‡ji iv¯Ív, wmwo I njy` `vM †`Iqv iv¯Ívq ‡Kvb
gvjvgvj bv ivLv|
8. wcG wm‡÷‡g †NvlYv Kiv|
 `vwqZ¡kxj e¨w³ (Responsible Person): Rbve AvwbQzi ingvb g¨v‡bRvi
†cÖvWvKkb, BbPvR© wdwbwks Ges GBP Avi Kgcøv‡qÝ wefvM|
wbwUs wefvM : wbwUs wefv‡Mi SywuKmg~n
1. a~jv ev gqjvi gva¨‡g k^vm cÖk^vm mgm¨vi SzwKu|
2. wbwUs †gwkb cwiPvjbvq we`~¨‡Zi gva¨‡g B‡jw±ªK¨vj k‡K AvNvZ cvIqv&i
SzwKu|

3
 KvRx me©‡kl bevq‡bi
01 Rvbyqvix -2019
ZvwiL :
G¨vUvqvi&m wjwg‡UW
cieZx© bevq‡bi ZvwiL
31 wW‡m¤^i - 2019
:
cwjwQ Kvh©Ki Kivi `vwqZ¡kxj e¨w³ e¨e¯’vcK Ges BDwbU Kg©KZ©v (gvbe m¤ú`
: I cÖkvmb)

3. kã `~l‡bi d‡j kÖeY kw³ n«vm cvIqvi SywKu|

AvµvšÍ e¨w³MY n‡”Q : wbwUs Acv‡iUi,†njcvi,mycvifvBRvi I
mswkøó mnKg©xMY|
SzwKumg~‡ni gvÎv : 1. kã `~lY 2. ‡gwkb Acv‡iwUs Gi mgq
B‡jw±ªK k‡Ki AvNvZ 3. kixwiK AvNvZ|
 wbwUs wefvM: wbwUs †gwkb cwiPvjbvq SzwKumg~n
wbiæc‡b Kibxq(Potential Safegurd):
1. wbwUs wefv‡M Kg©iZ mK‡ji Rb¨ ¯^v¯’¨ I wbivcËv wel‡q cÖwkÿ‡Yi e¨e¯’v
Kiv|
2. B‡jw±ªK¨vj jvBb †PK Kiv Ges h_vh_ e¨e¯’v Kiv|
3. Kv‡Ri mgq wmRvi,KvUvi iwk w`‡q †e‡a KvR Kiv|
4. ‡gwkb cwiPvjbvi wcwcB (Gqvi cøvM e¨envi Kiv)|
5. KvR Kivi mgq wmRvi,KvUvi I aviv‡jv hš¿ iwk w`‡q †e‡au KvR Kiv|
6. Wv÷ ev ayjv gqjv hv‡Z bv cÖ‡ek K‡i GRb¨ gv¯‹ e¨envi Kiv|
7. kÖwgK I Kg©Pvix‡`i PjvP‡ji iv¯Ív, wmwo I njy` `vM †`Iqv iv¯Ívq ‡Kvb
gvjvgvj bv ivLv|
8. wcG wm‡÷‡g †NvlYv Kiv|
 `vwqZ¡kxj e¨w³ (Responsible Person): Rbve bvwmi DÏxb -BbPvR©
,mycvifvBRvi wbwUs Ges GBP Avi Kgcøv‡qÝ wefvM|
 ‡÷vi wefvM : †÷vi wefv‡Mi SywuKmg~n
1. a~jv ev gqjvi gva¨‡g k^vm cÖk^vm mgm¨vi SzwKu|
2. ‡÷vi cwiPvjbvq we`~¨‡Zi gva¨‡g B‡jw±ªK¨vj k‡K AvNvZ cvIqv&i SzwKu|
3. gvÎvwZwi³ Dc‡i gvjvgvj ivLvi d‡j AvNvZ cvIqvi SywKu|
4. PjvP‡ji iv¯Ív,`iRv, wmwo gvjvgvj Øviv †÷v‡ii †jvK‡`i PjvP‡j evavu I AvNvZ
cvIqvi SzwKu|
 ‡÷vi wefvM: ‡÷vi cwiPvjbvq SzwKumg~n wbiæc‡b
Kibxq(Potential Safegurd):
1. ‡÷vi wefv‡M Kg©iZ mK‡ji Rb¨ ¯^v¯’¨ I wbivcËv wel‡q cÖwkÿ‡Yi e¨e¯’v Kiv|
2. B‡jw±ªK¨vj jvBb wbqwgZ †PK Kiv Ges h_vh_ e¨e¯’v Kiv|
3. gvjvgvj ivLvi mgq 6 dz‡Ui Dc‡i bv ivLv|
4. 5 Gm †g‡b Pjv|

4
 KvRx me©‡kl bevq‡bi
01 Rvbyqvix -2019
ZvwiL :
G¨vUvqvi&m wjwg‡UW
cieZx© bevq‡bi ZvwiL
31 wW‡m¤^i - 2019
:
cwjwQ Kvh©Ki Kivi `vwqZ¡kxj e¨w³ e¨e¯’vcK Ges BDwbU Kg©KZ©v (gvbe m¤ú`
: I cÖkvmb)

5. Wv÷ ev ayjv gqjv hv‡Z bv cÖ‡ek K‡i GRb¨ gv¯‹ e¨envi Kiv|
6. kÖwgK I Kg©Pvix‡`i PjvP‡ji iv¯Ív, wmwo I njy` `vM †`Iqv iv¯Ívq ‡Kvb
gvjvgvj bv ivLv|
7. wcG wm‡÷‡g †NvlYv Kiv|
 `vwqZ¡kxj e¨w³ (Responsible Person): Rbve gvgyb †cÖvWvKkb,
BbPvR© ‡÷vi Ges GBP Avi Kgcøv‡qÝ wefvM|
†gwWK¨vj wefvM : ‡gwWK¨vj wefv‡Mi SywuKmg~n
‡gwWK¨vj wefvM GKwU ¸iæZ¡c~Y© RvqMv †hLv‡b mKj cÖKvi †iv‡Mi
wPwKrmv, cÖwZ‡laK e¨e¯’v, ‡ivM wbY©q ev †ivM msµvšÍ M‡elYvi
djkÖæwZ‡Z Drcvw`Z †h‡Kvb KwVb,Zij, evq~exq I †ZRw®Œq c`v_© hv
wbM©Z, wbwÿß ev ¯ÍycxK…Z n‡q cwi‡ek I gvby‡li ¯^v‡¯’¨i ÿwZ mvab K‡i|
GBP Avi GWwgb I Kgcøv‡qÝ wefvM wbqwgZ †gWK¨vj wefv‡Mi mKj Kg©x‡`i
cÖwkÿY cª`vb Ki‡eb Ges cwi¯‹vi cwi”Qbœ ivL‡Z f~wgKv ivL‡eb|
eqjvi I †Rbv‡iUi wefvM : eqjvi Ges †Rbv‡iUi wefv‡Mi SywuKmg~n
eqjvi Ges †Rbv‡iUi †h †Kvb cÖwZôv‡bi Rb¨ GKwU gvivËK SywKc~Y© hš¿|
GRb¨ eqjvi Ges †Rbv‡iUi e¨env‡ii c~‡e© KZ¸‡jv wbqg I bxwZ gvjv †g‡b Pj‡Z nq|
ZvQvov `ÿ cÖwkÿY I miKvix mb` cÖvß eqjvi Acv‡iUi I B‡jw±ªwkqv‡bi gva¨‡g
eqjvi cwiPvjbv Ki‡Z n‡e| eqjvi Ges †Rbv‡iUi GjvKvq mvavi‡bi cÖ‡ek wbwl×
Ki‡Z n‡e|
‡W †Kqvi wefvM : ‡W †Kqvi wefv‡Mi SywuKmg~n
‡W †Kqvi n‡”Q GKRb Kg©Rxex gv‡qi mšÍv‡bi Kg©Kvjxb mg‡qi Rb¨ wkï jvjb
cvj‡bi Ab¨Zg ¯’vb, †hLv‡b gv Zvi Kg©Kvjxb mg‡qi Rb¨ wkïi wbivßv wbwðZ
Abyfe Ki‡e Ges wbwe©‡Nœ Zvi wkïi hZœ wb‡Z cvi‡e| GRb¨ `y» cv‡bi e¨e¯’v, wkïi
cwiPh©vq wb‡qvRZ GKRb cwiPh©vKvix I Ab¨vb¨ wbivcËv e¨e¯’v MÖnY Ki‡Z
n‡e|
GRb¨ GBP Avi I Kgcøv‡qÝ wefvM wbqwgZ `vwqZ¡ cvjb I Z`viwKi e¨e¯’v Ki‡Z
n‡e|
eR¨© wb¯‹vkb wefvM : eR©¨ wbM©gb wefv‡Mi SywuKmg~n
mKj cÖKvi eR©¨ mwVK mg‡q wbM©gb Kiv GBP Avi GWwgb GÛ Kgcøv‡qÝ
wefv‡Mi Ab¨Zg `vwqZ¡ I KZ©e¨| ZvB cÖwZw`b Kgc‡ÿ `y‡ejv eR©¨ wb®‹vk‡bi
Rb¨ wbavwiZ †jvK wb‡qvM Ki‡Z n‡e hv‡Z †Kvb µ‡gB gqjv R‡g Avf¨všÍwiY I
Avk cv‡ki cwi‡ek I gvbe mgv‡Ri m&¦v‡¯’¨i †Kvb ÿwZ Ki‡Z bv cv‡i|

5
 KvRx me©‡kl bevq‡bi
01 Rvbyqvix -2019
ZvwiL :
G¨vUvqvi&m wjwg‡UW
cieZx© bevq‡bi ZvwiL
31 wW‡m¤^i - 2019
:
cwjwQ Kvh©Ki Kivi `vwqZ¡kxj e¨w³ e¨e¯’vcK Ges BDwbU Kg©KZ©v (gvbe m¤ú`
: I cÖkvmb)

m‡ev©cwi SzwKu c~Y© Gwiqvi kÖwgK‡`i G wel‡q h‡_ó cÖwkÿY I

m‡PZb Ki‡Z n‡e| G wel‡q GBP Avi I Kgcøv‡qÝ wefvM cÖ‡qvRbxq
e¨e¯’v MÖnb Ki‡e Ges wbqwgZ cÖwkÿY

‡Kv¤úvbxi e¨e¯’cbv KZ©„cÿ Ges GBP Avi I Kgcøv‡qÝ wefvM D³ bxwZgvjvi ( Risk
Assessment Policy) `vwqZ¡ cvjb K‡i _v‡Kb|

KvRx G¨vUvqvi&m wjt Gi KZ©„cÿ Avkv K‡i AÎ cÖwZôv‡b Kg©iZ mKj Kg©KZ©v,
Kg©Pvix I kÖwgKMY Dc‡iv³ bxwZgvjv h_vh_fv‡e AbymiY K‡i wbR wbR `vwqZ¡ cvjb
Ki‡eb|

Mohammad Abdul Awal Manager (HR,Admin & Compliance)

Kazi Sazzad Hossian Chairman

Abywjwc:- 01| gvbbxq e¨e¯’vcbv cwiPvjK g‡nv`q, 02| gvbbxq cwiPvjK g‡nv`q,
03| gvbbxq BwW g‡nv`q 04. gvbbxq wm.B.I g‡nv`q, 05.wefvMxq cÖavb, 06
‡bvwUk †evW©, 07 Awdm bw_|