RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued RISIKO OPERASIONAL OPERATIONAL RISK
Indonesian language.
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk
DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN
KONSOLIDASIAN 31 Maret 2016 dan 31 Desember 2015
Serta Periode Yang Berakhir Pada tanggal 31 Maret 2016 dan 2015
Disajikan dalam jutaan rupiah, kecuali dinyatakan lain
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk
AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL
STATEMENTS As of March 31, 2016 and December 31, 2015
And For the Period Then ended March 31, 2016 and 2015
Expressed in millions of rupiah, unless otherwise stated
185
49. RISIKO OPERASIONAL lanjutan 49. OPERATIONAL RISK continued
Disamping melakukan proses manajemen risiko terhadap risiko yang melekat dalam aktivitas
existing, Bank dan entitas anak juga menerapkan manajemen risiko secara menyeluruh atas rencana
penerbitan produk dan aktivitas baru sesuai dengan jenis risiko yang telah ditetapkan dalam
PBI No. 58PBI2003 beserta perubahannya melalui
PBI No.
1125PBI2009 tentang
penerapan Manajemen Risiko Bagi Bank Umum dan SE BI No. 1135DPNP tanggal 31 Desember
2009 perihal Pelaporan Produk dan Aktivitas Baru. In addition of conducting risk management process
for inherent risk in the existing activity, the Bank and subsidiaries also implement a comprehensive
risk management for issuance of new products and activities plan and in accordance with the type of
risk
that has
been established
in PBI
No. 58PBI2003 and its amandement through PBI No. 1125PBI2009 on the Implementation of Risk
Management for Bank and Bank Indonesia Circular Letter No. 1135DPBP dated December 31, 2009,
regarding New Products and Activities Report.
Bank telah melakukan perhitungan beban modal risiko operasional berdasarkan Basel Committee
on Banking Supevision dan SE BI No. 113DPNP tanggal 27 Januari 2009 perihal Perhitungan Aset
Tertimbang
Menurut Risiko
ATMR Risiko
Operasional dengan menggunakan Pendekatan Indikator Dasar PID. Bank dan entitas anak
menggunakan metodologi
pendekatan Basic
Indicator dan saat ini masih dalam proses pengembangan
terhadap perhitungan
beban modal
risiko operasional
dengan metode
Standardized Approach serta pengumpulan data risiko yang digunakan dalam perhitungan beban
modal Risiko Operasional dengan menggunakan pendekatan yang lebih kompleks Advanced
Measurement Approach. The Bank have been calculation operational risk
capital requirements under Basel Committee on Banking Supervision and Bank Indonesia Circular
Letter No. 113DPNP dated Januari 27, 2009 regarding the calculation of Risk Weighted Assets
RWA Operational risk by Using the Basic indicator Approach BIA. Bank and subsidiaries
using Basic Indicator approach and methodology, are currently doing a development of the capital
allowance calculation by using Standardize Approach method and the collection of risk data
which are used in calculating operational in capital charges risks using a more complex approach
Advanced Measurement Approach.
Bank telah mengembangkan suatu kerangka kerja serta kebijakan dan pedoman Business Continuity
Management BCM yang digunakan sebagai contingency plan bagi Bank dalam rangka
meminimalkan kerugian yang timbul dari potensi- potensi risiko operasional yang disebabkan oleh
faktor eksternal seperti bencana alam, kebakaran, serta gangguan lainnya seperti gangguan sistem,
listrik, saluran komunikasi dan lain-lain yang berada diluar kewenangan Bank dan entitas anak.
Ruang lingkup BCM terdiri dari Business Continuity Plan BCP sebagai prosedur kelangsungan usaha
Bank dan entitas anak serta Emergency Response Plan ERP sebagai prosedur tanggap darurat
bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan DRP sebagai
prosedur kelangsungan sistem dan infrastruktur pendukung
Teknologi Informasi
dan terus
disempurnakan serta
disesuaikan dengan
perkembangan bisnis dan sistem yang dimiliki Bank dan entitas anak.
Bank has developed a framework as weel as policies and also guidelines for Business Continuity
Management BCM which are used as a contingency plan for the Bank and subsidiaries in
order to minimize losses arising from potential operational risks caused by external factors such
as natural disasters, fires, and other disruptions such as system, electricity, communication lines,
and others that are outside the Bank‟s and subsidiaries‟ authority. The scope of BCM consists
of Business Cont inuing Plan BCP as the Bank‟s
and subsidiaries‟ business continuity procedures and Emergency Response Plan ERP as an
emergency procedure in order to save data and assets also a Disaster Recovery Plan DRP as the
continuity procedures for systems and supporting infrastructures of Information Technology and also
enhanced and adapted continuously to business development and systems held by The Bank and
subsidiaries.
Indonesian language.
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk
DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN
KONSOLIDASIAN 31 Maret 2016 dan 31 Desember 2015
Serta Periode Yang Berakhir Pada tanggal 31 Maret 2016 dan 2015
Disajikan dalam jutaan rupiah, kecuali dinyatakan lain
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk
AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL
STATEMENTS As of March 31, 2016 and December 31, 2015
And For the Period Then ended March 31, 2016 and 2015
Expressed in millions of rupiah, unless otherwise stated
186