The Corporate Governance chapter on page 45 ff describes the **risk organisation and responsibilities**, and the roles of the Risk and Capital Committee of the Board, the Group Asset & Liability Committee, the Group Credit Committee and the Group Risk Control function.

**risk organisation and responsibilities**, а тж. пункт „Risk organisation and responsibility” – „Организация рисков и ответственность” ?

(годовой отчет банка)

(это словосочетание плохо гуглится на русском, вот и закрадываются сомнения)

The Board of Directors has the ultimate responsibility for the risk organisation of the Group and for the maintenance of satisfactory internal control. The Risk and Capital Committee of the Board shall support the Board in this work, e.g. by reviewing the Group’s risk, capital and liquidity policies for updates on a yearly basis. The Board receives a risk report at each Board meeting.
Subordinated to the Board of Directors and the President are committees with mandates to make decisions depending upon the type of risk. (под комитетами тут имеются в виду The Group Asset and Liability Committee, The Treasury Committee, The Group Credit Committee).

А далее такое вот:
Responsibility for day-to-day risk management in the Group rests with the divisions (and similarly with Group Treasury). Thus, each division and Head of division is responsible for ensuring that the risks are managed and controlled in a satisfactory way on a daily basis, within established Group guidelines. It is a fundamental principle that all control functions shall be independent of the business operations.

- конец пункта :)

спасибо большое, суслик