Enterprise risk manage ment (ERM) thus is a comprehensive and inte grated approach to addressing corporate risk.

Enterprise Risk Management is relevant to all organizations whether they are in the public or private sector, or whether they are large or small. It should form part of the culture of the organisation, with an effective policy and programme led by top management with clear responsibilities laid down for every manager and

employee to be involved in the management of risk.   BY DOING ONLY THIS STEP ORGANISATION CAN UTILIZE 100 % MANPOWR------------------------Dr. giri