'RZQVWUHDP 5HVWULFWHG +D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03 '%$0 &RGH +66 ,PSOHPHQW +D]DUGV
Views 121 Downloads 6 File size 660KB
'RZQVWUHDP
5HVWULFWHG
+D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03
'%$0 &RGH +66 ,PSOHPHQW +D]DUGV DQG (IIHFWV 0DQDJHPHQW3URFHVV
'RFXPHQW1XPEHU
0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO
'653
6KHOO'RZQVWUHDP
'RZQVWUHDP 5HFRPPHQGHG 3UDFWLFH 0RGHO %RZWLH IRU 9HUWLFDO +\GURFDUERQ6WRUDJH7DQN2YHUILOO 7DEOHRI&RQWHQWV
6FRSH $SSOLFDELOLW\ +D]DUG$VVHVVPHQW 5LVN$VVHVVPHQW8VHRIWKH0RGHO7KUHDW/LQHV *HQHUDO5HTXLUHPHQWV 6HOHFWLRQRIWKH0RGHO7KUHDW/LQHV 6SHFLILF$SSOLFDWLRQ $ODUS'HWHUPLQDWLRQ 7HFKQLFDO1RWHV $SSHQGL[²0RGHO7KUHDW/LQHIRU&ODVVRU0DWHULDOLQ$WPRVSKHULFVWRUDJH/RVVRI &RQWDLQPHQWGXHWR2YHUILOO3HRSOH&RQVHTXHQFHV $SSHQGL[XVLQJ2SHUDWLQJ3URFHGXUHVDV%DUULHUV
$SSHQGL[²'HWHUPLQH7ROHUDELOLW\&ULWHULDXVLQJ/23$ $SSHQGL[²9DSRXUFRQFHQWUDWLRQVDQG/)/IRUWDQNRYHUILOO $SSHQGL[²$EEUHYLDWLRQV8VHG $SSHQGL[²5HIHUHQFHV $SSHQGL[²3URFHVV&RQILJXUDWLRQ
9HUVLRQ)LQDO
'DWH0D\
&XVWRGLDQV-DPHV0F/HDQDQG )UHG0XOOHU
(&&1($5
3DJHRI
3ULQWHGFRSLHVDUHXQFRQWUROOHG
'%$0 &RGH +66 ,PSOHPHQW +D]DUGV DQG (IIHFWV 0DQDJHPHQW3URFHVV
'RFXPHQW1XPEHU
+D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03
'653
0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO
5(675,&7('
'RZQVWUHDP5HFRPPHQGHG3UDFWLFH0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO 1.0 Scope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
2.0 Applicability /RFDWLRQVFDQXVHWKLVPRGHOERZWLHDVDVWDUWLQJSRLQWZKHQLWDSSOLHVWRIXOILOOLQJWKHUHTXLUHPHQWVIRUDQDO\]LQJ WKLVULVNDQGWKHFRQWUROVDQGUHFRYHU\PHDVXUHVWKDWQHHGWREHLQSODFHWRPDQDJHLWLQ\RXUEXVLQHVVDVSHUWKH UHTXLUHPHQWVRIWKH'6+(033URFHGXUHDQGWKH&RQWURO)UDPHZRUN´0DQDJLQJ5LVNPDQXDO 7KLVPRGHOERZWLHDSSOLHVWRSURGXFWVLQDWPRVSKHULFVWRUDJHWDQNVWKDWPHHWWKHIROORZLQJFULWHULD
,3
1)3$(TXLYDOHQW
&ODVV)ODVK3RLQW)3 &
&ODVV,$%&)
&ODVV& )3&
&ODVV,,) )3 )
&ODVV)3!&
&ODVV,,,$)3!)
8QFODVVLILHG!&
&ODVV,,,%!)
+D]DUGVH[FOXGHGIURPWKLVPRGHOERZWLH 7KHPRGHOERZWLHGRHVQRWDGGUHVVWR[LFUHOHDVHVIURPDWPRVSKHULFVWRUDJHWDQNV7KHVHPXVWEHDGGUHVVHGLQWKH +HDOWK5LVN$VVHVVPHQWIRUFKURQLFH[SRVXUHVDQGLQDERZWLH+&6IRUDFXWHH[SRVXUHVLQOLQHZLWKWKHSRWHQWLDO ULVNLQYROYHG,I\RXUORFDWLRQKDVDSURGXFWVWUHDPZLWKDWR[LFFRQWHQWZLWKLQLPPHGLDWHO\GDQJHURXVDQGKHDOWK ,'/+ UDQJHWKDWJRHVWRDQDWPRVSKHULFVWRUDJHWDQNWKHQWKLVFRQVHTXHQFHVKRXOGEHDGGHG
7KUHDW/LQHVH[FOXGHGIURPWKLVPRGHOERZWLH
1
7KH,QVWLWXWHRI3HWUROHXP,3$UHD&ODVVLILFDWLRQ&RGHIRU,QVWDOODWLRQV+DQGOLQJ)ODPPDEOH)OXLGV,6%1 7DEOH$RU1DWLRQDO)LUH3URWHFWLRQ$VVRFLDWLRQ·V´1)3$7DEOHµ 9HUVLRQ)LQDO
'DWH0D\
&XVWRGLDQV-DPHV0F/HDQDQG )UHG0XOOHU
(&&1($5
3DJHRI
3ULQWHGFRSLHVDUHXQFRQWUROOHG
'%$0 &RGH +66 ,PSOHPHQW +D]DUGV DQG (IIHFWV 0DQDJHPHQW3URFHVV
'RFXPHQW1XPEHU
+D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03
'653
0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO
5(675,&7('
7KLVPRGHOERZWLHIRFXVHVRQDWDQNRYHUILOOWKUHDWVFHQDULR7KHUHDUHRWKHUSRWHQWLDOWKUHDWVWKDWPD\OHDGWRD ORVVRIFRQWDLQPHQWIURPWKHWDQNWKDWDUHOLVWHGEHORZ/RFDWLRQVKDYHWRFKHFNLIWKH\KDYHDQ\DGGLWLRQDOXQLTXH WKUHDWVIRU/2&IURPVWRUDJHWDQNVDQGWUHDWWKHVHVHSDUDWHO\
7KUHDW/LQH
/RFDWLRQ*XLGDQFH
/HDNLQJIODQJHV
6HH*HQHULF7KUHDW%RZ7LH
/HDNIURPWKUHDGHGILWWLQJV
6HH*HQHULF7KUHDW%RZ7LH
/HDNLQJSXPSVHDO
&RYHUHGE\6HDO)DLOXUH0RGHO%RZ7LH
,QWHUQDO([WHUQDO&RUURVLRQ
6HH*HQHULF7KUHDW%RZ7LH
,PSDFWH[WHUQDORUYHKLFOH
6HH*HQHULF7KUHDW%RZ7LH
/LQHIDLOXUHGXHWRODFNRIWKHUPDOUHOLHI
6HH*HQHULF7KUHDW%RZ7LH
5XSWXUHRIGHDGOHJ
'HVLJQLVVXH)HHGDQGGLVFKDUJHOLQHVRQWUDQVIHU VKRXOGEHFRQWLQXRXVVORSHWRDQGIURPWKHYHVVHO ZLWKRXW ORZ SRLQWV $Q\ ORZ SRLQWV RU GHDG OHJV VKRXOGEHPLQLPL]HGRUHOLPLQDWHG
7DQNFROODSVHGXHWRYDFXXP
'HVLJQ LVVXH ² WDQN VKRXOG EH GHVLJQHG IRU IXOO YDFXXPRUKDYHYDFXXPEUHDNHULQVWDOOHG
2[\JHQLQJUHVVIURPDYDFXXPEUHDNHU
'HVLJQLVVXH²LIDYDFXXPEUHDNHULVXVHGLWVKRXOG EH FRQQHFWHG WR DQ LQHUW RU QDWXUDO JDV V\VWHP ZKHUHH[SORVLYHPL[WXUHVPD\EHJHQHUDWHG
2YHUSUHVVXUH
)L[HGURRIWDQNVVKRXOGKDYHSURSHUO\VL]HGUHOLHI DQGHPHUJHQF\YHQWV6HH$3,
&URVVFRQWDPLQDWLRQDQGRYHUSUHVVXUHGXHWRYDOYH 'HVLJQ LVVXH ² PDQLIROGLQJ V\VWHPV YDU\ E\ OLQHXSHUURUV ORFDWLRQ DQG SURGXFW $GGUHVV DW ORFDWLRQ OHYHO OHYHO 7KUHDWVUHODWLQJWRIORDWLQJURRIGHVLJQ
6HH'(3
3.0 Hazard Assessment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
9HUVLRQ)LQDO
'DWH0D\
&XVWRGLDQV-DPHV0F/HDQDQG )UHG0XOOHU
(&&1($5
3DJHRI
3ULQWHGFRSLHVDUHXQFRQWUROOHG
'%$0 &RGH +66 ,PSOHPHQW +D]DUGV DQG (IIHFWV 0DQDJHPHQW3URFHVV
'RFXPHQW1XPEHU
+D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03
'653
0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO
5(675,&7('
7DEOH+D]DUG&RQVHTXHQFHDQG5LVN$QD\VLVIRU6HOHFWUHG'6+\GURFDUERQ3URGXFWV +D]DUG
7RS (YHQW
&RQVHTXHQFH
3
$
(
5
%
&
%
&
&
%
%
&ODVV 7\SLFDO
)ODVK SRLQW&
/RVVRI &RQWDLQ PHQW
*DVROLQH SHWURO 6WDELOL]HG &UXGH -HW%)XHO
)LUH DQGRU H[SORVLRQ IDWDOLWLHV DQGHTXLSPHQWGDPDJH9&(LV D SRWHQWLDO FRQVHTXHQFH LI IORZ UDWH WR WDQN SHULPHWHU IDOOV DERYH WKH OLQHV RQ WKH *UDSKV %
%
$SSUR[
%
& %
%HQ]HQH
%
%
%
%
7ROXHQH
%
%
%
%
1DSKWKD
WR
%
&
%
%
/3*
9&(%OHYH-HW)LUH
%
%
%
%
1RQ LJQLWHG VSLOO FDXVHV HQYLURQPHQWDO GDPDJH WR VRLO VXUIDFHZDWHURUJURXQGZDWHU /RVVRI &ODVV ,, OLTXLGV VKRXOG EH &RQWDLQ FRQVLGHUHGFDSDEOHRISURGXFLQJ PHQW DQ LJQLWDEOH PL[WXUH QHDU WKH SRLQW RI UHOHDVH ZKHQ KDQGOHG SURFHVVHG RU VWRUHG XQGHU FRQGLWLRQV ZKHUH WKH OLTXLG FRXOG H[FHHG LWV IODVK SRLQW 1)3$ :KLOH 9&( LV QRW OLNHO\ 9&( PD\ EH D SRWHQWLDO FRQVHTXHQFH LI IORZ UDWH WR WDQN SHULPHWHU IDOOV DERYH WKH OLQHV RQ WKH *UDSKV LHYHU\ODUJHIORZUDWH
&
&
%
%
%
%
&ODVV 7\SLFDO
)ODVK SRLQW&
-HW$
PLQLPXP &XWEDFN ELWXPHQ ZLWK PLQLPXP .HUR .HURVHQH
PLQLPXP
9HUVLRQ)LQDO
)LUHSRWHQWLDOIDWDOLWLHVDQG HTXLSPHQWGDPDJH
%
%
%
%
%
%
%
%
1RQ LJQLWHG UHOHDVH FDXVHV HQYLURQPHQWDO GDPDJH WR VRLO VXUIDFHZDWHURUJURXQGZDWHU
&
&
'DWH0D\
&XVWRGLDQV-DPHV0F/HDQDQG )UHG0XOOHU
(&&1($5
3DJHRI
3ULQWHGFRSLHVDUHXQFRQWUROOHG
'%$0 &RGH +66 ,PSOHPHQW +D]DUGV DQG (IIHFWV 0DQDJHPHQW3URFHVV
'RFXPHQW1XPEHU
+D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03
'653
0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO
&ODVV 7\SLFDO
)ODVK SRLQW&
*DV2LO
&XWEDFN ELWXPHQ ZLWK *DV2LO $XWRPRWLYH 'LHVHO)XHO %LWXIUHVK DGGLWLYH
8Q FODVVLILHG 7\SLFDO
)ODVK SRLQW&
5(675,&7('
/RVVRI &ODVV ,,, OLTXLGV GR QRW IRUP &RQWDLQ LJQLWDEOH PL[WXUHV ZLWK DLU DW PHQW DPELHQW WHPSHUDWXUHV XQOHVV KHDWHG DERYH WKHLU IODVK SRLQWV 3RRO ILUH FDXVLQJ LQMXULHV DQG GDPDJHWRHTXLSPHQW % %
%
%
%
%
% %
%
%
%
%
%
%
1RQ LJQLWHG UHOHDVH FDXVHV HQYLURQPHQWDO GDPDJH WR VRLO VXUIDFHZDWHURUJURXQGZDWHU /RVVRI 8QFODVVLILHGOLTXLGVGRQRWIRUP &RQWDLQ LJQLWDEOH PL[WXUHV ZLWK DLU DW PHQW DPELHQW WHPSHUDWXUHV XQOHVV KHDWHG DERYH WKHLU IODVK SRLQWV 3RRO ILUH FDXVLQJ LQMXULHV DQG GDPDJHWRHTXLSPHQW %
%
%
&
&
3DYLQJ % & & JUDGHELWXPHQV 1RWHV*UDSKVDUHDYDLODEOHLQ$SSHQGL[RIWKLVGRFXPHQW7KHORFDWLRQVKRXOGXVHWKHJUDSKVIRUWKHGHGLFDWHGSURGXFWLQ FRQMXQFWLRQZLWKDFWXDOGDWDIRUHDFKWDQNWRHYDOXDWHWKHSRWHQWLDOIRU9&( 7KH6KHOO%LWXPHQ+DQGERRN)LIWK(GLWLRQSS 6HH6SHFLILF/3*6SHFLILF0RGHO%RZWLHIRU6WRUDJHDQGRYHUILOORI/3*7KLVLVQRWLQFOXGHGLQWKLVPRGHOERZWLH
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
9HUVLRQ)LQDO
'DWH0D\
&XVWRGLDQV-DPHV0F/HDQDQG )UHG0XOOHU
(&&1($5
3DJHRI
3ULQWHGFRSLHVDUHXQFRQWUROOHG
'%$0 &RGH +66 ,PSOHPHQW +D]DUGV DQG (IIHFWV 0DQDJHPHQW3URFHVV
'RFXPHQW1XPEHU
+D]DUGVDQG(IIHFWV0DQDJHPHQW3URFHVV +(03
'653
0RGHO%RZWLHIRU9HUWLFDO+\GURFDUERQ 6WRUDJH7DQN2YHUILOO
5(675,&7('
4.0 Risk Assessment- Use of the Model Threat Lines *HQHUDO5HTXLUHPHQWV 7KHFRQWUROVOLVWHGLQWKHPRGHOWKUHDWOLQHVDUHWKRVHEDUULHUVWKDWDUHH[SHFWHGWREHSUHVHQW DWPRVWVLWHV