TTP and Risk Grading - Trade Customers

1.
Trade Transaction Profile (TTP)
General Information:
Customer Name & Address:

IRC number:
ERC number:
BEPZA/EZ permission no:
BIN No.:
Vat reg. No.:
TIN No.:
Particulars of Business Details

Type of Business (Commercial/Industrial/Others)
Nature of Business (RMG/Textile/
Pharmaceuticals/Trading/Agro etc.)
Import items [including service/performance]
Export items [including service/performance]
Types of Trade Loan from bank and other FIs
Types of Guarantee/Standby LC
Importing Countries
Exporting Countries
Sanction Screening of Directors/ Signatories
(Attach Screening Proof)
Transaction Information:
Details of Transactions Monthly Average Monthly Average Value of

Volume of Transactions transactions in Million USD
Details Minimum Maximum Minimum Maximum
Import LC Issuance
Import through Collection/Contract
Import payments
Export LC/Contract
Export Proceeds realization
Other invisible receipt ( inward
remittances)
Other invisible payment ( outward
remittance)
Guarantee/Standby LC
Import Loan (EDF/UPAS/LATR
/MPI/MIB/Bai Muazzal/ etc)
Details of Transactions Monthly Average Monthly Average Value of

Volume of Transactions transactions in Million USD
Details Minimum Maximum Minimum Maximum
Import Under Aid/Barter/or any
other special arrangements
Import payment through FC
Account
Term Loan for Machinery Import
Export Loan foreign (Discounting/
Purchase/Bai As sarf/)
Local Export Loan (Discounting/
Purchase/Musharaka Documentary
Bills etc.)
Others
I/We the undersigned hereby confirm that the anticipated transaction amount and frequency
are my/company’s normal transactions. I/We further confirm that if necessary, I/we will
revise our transaction profile from time to time.
Signature: ……………………………… Signature: ………………………………

Name: …………………………………… Name: ……………………………………
Designation: …………………………… Designation: ……………………………
Date: ……………………………………. Date: ……………………………………
For Bank’s Use Only
The Trade Transaction Profile (TTP) of the client has been reviewed in accordance with
the instructions of Bangladesh Financial Intelligence Unit (BFIU).
Designated bank official’s name (with seal), signature and date

2. Customer Level Risk Assessment
Customer Name:
Customer Address:
Risk Score Composite

(0-3) Risk Level
SL Risk SL Risk Parameters
Obtained Max
Components
score score
1 Business History 4
Trade
2 Payment Behavior 5
Customer
1 Demographic 3 Adverse Media Report 6
4 Law Suit Filed7
5 Business Nature
6 Ownership Type
Sub Total=
6 Jurisdiction8 1
7 Jurisdiction 2
Geographic
locations of 8 Jurisdiction 3
2 trade 9 Jurisdiction 4
transactions 10 Jurisdiction 5
11 Other Jurisdictions (if
12 any)
Complexity
Sub Total=
3 ‘O’ represents no risk, ‘1’ represents low risk, ‘2’ represents medium risk and ‘3’ high risk.
4 Business history of the customer, frequency of his/her trade default, his/her/its reputation in
running business etc. within the period.
5 Payment behaviour of the customer.
6 Adverse media report on the customer and/or the products he deals with and its impact or
sensitivity.
7 Law suit filed against the customer related to his/her trade.
8 Jurisdiction with which the customer conducts import and export business, AML/CFT risk
associated with the jurisdiction, FATF public document and other relevant lists etc.
(Please use reference from Appendix-A)
Risk Score Composite
Risk (0-3)3 Risk Level
SL SL Risk Parameters
Component
s Obtained Max
score score
13 Food Grain
14 Industrial Raw Materials
15 Pharmaceutical Raw
16 Materials
Capital Machinery
Products/ Trading Goods
3 17
services
18 Service Import or Service
Export
19 Defense-Goods9
20 Dual-Use Goods10
21 Other products (if any)
22 Multiple Products
Sub
22Total=
Value of trade transactions
Transaction 23 Number of trade
4 s Trend / transactions
Number of escalated TBML
24
History Alerts
25 Number of STR
Sub
Total=
Grand
Total=
Comprehensive Risk Level Threshold in % Actual Risk Level
High Risk 75 % and above
Medium Risk 50 % and above but below 75 %
Low Risk Below 50%
Relevant data such as on jurisdiction, products, services, value & number of trade
transactions will be obtained from TTP or from the documents collected from the customer
or other sources.
For Bank’s Use Only
The Trade Transaction Profile (TTP) of the client has been reviewed in accordance with
the instructions of Bangladesh Financial Intelligence Unit (BFIU).
Designated bank official’s name (with seal), signature and date

Appendix-A
(i) Assigning Risk Scores:

While assessing risk of a trade customer, each risk parameter will be measured against maximum
score of 3. Risk scores to be interpreted as follows: No risk-0, Low risk-1, Medium risk-2, High
risk-3.
Assigning uniform risk score is vital to avoid any manipulation in risk scoring. Following table
contains risk scores against risk parameters (mentioned in above mentioned model). Business
units will assign risk score accordingly while assessing trade customers’ risk.
Risk Risk Parameters Risk score

Component
Trade Business History More than five years relation with the bank with no default: 1
Customer Less than five years relation with the bank with no default: 2
Demographic If there is any default record: 3
Payment Regular: 1
Behavior Satisfactory: 2
Irregular: 3
Adverse Media No adverse media report: 1
Report One adverse media report: 2
Multiple adverse media report: 3
Law Suit Filed No law suit filed: 1
One law suit filed: 2
Multiple law suit filed: 3
Business Nature Pharmaceutical Industry: 1
Industrial entity (non-EPZ): 2
Industrial entity (EPZ): 3
Trader/Wholesaler/Retailer:3
Middlemen/Agent/Military/Defense/Precious metal
business/Scrap metal/Automobile business: 3
Ownership Type Limited company: 1
Partnership: 2
Proprietorship: 3
Complex structure: 3
Geographic Jurisdiction FATF designated High-Risk Jurisdictions/ Jurisdictions with
locations of strategic deficiencies: 3
trade Tax and Secrecy Havens/ Caribbean Region/ Drug and Human
transactions Trafficking Zones/Complex jurisdiction: 3
Land Locked countries: 2
Rest of the world: 1
Products/ Traded Pharmaceutical Raw Materials-0
Services products/service Food Grain/ Industrial Raw Materials-1
Capital Machinery-2
Trading Goods/ Service Import or Service
Export/ Defense-Goods/ Dual-Use Goods/ Multiple Products-3
Transactions Value of trade Less than USD1.00 million: 1
Trend / transactions USD1.00-10.00 million:2
History More than USD10.00 million:3
Number of trade Less than 50: 1
transactions 50-100: 2
More than 100: 3
Number of Less than 10: 1
escalated TBML 10-50: 2
Alerts More than 50: 3
Number of STR No STR: 1
Less than 5: 2
5 or more: 3
(ii) Automatic assignment of risk level:

Following business/customer types will be leveled as ‘High Risk’ irrespective of their risk
scoring.
(i) Any company known to be owned or controlled by PEPs/IPs.
(ii) Subsidiaries of corporations located in tax/secrecy havens.
(iii) Art/Antique/Precious Metal Dealers
(iv) Military/Defense contractors
(v) International Charities/Embassies

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1.

Trade Transaction Profile (TTP)

Customer Name & Address:

Particulars of Business Details

Details of Transactions Monthly Average Monthly Average Value of

Details of Transactions Monthly Average Monthly Average Value of

Signature: ……………………………… Signature: ………………………………

For Bank’s Use Only

Designated bank official’s name (with seal), signature and date

Risk Score Composite

For Bank’s Use Only

Designated bank official’s name (with seal), signature and date

(i) Assigning Risk Scores:

Risk Risk Parameters Risk score

(ii) Automatic assignment of risk level:

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