Dewan Komisaris Board of Commissioners
2. Direksi
Direksi mempunyai tanggung jawab sebagai berikut : a. melaksanakan kebijakan dan strategi yang telah disetujui oleh Dewan Komisaris; b. mengembangkan prosedur untuk mengidentiikasi, mengukur, memantau dan mengendalikan risiko yang dihadapi bank; c. memelihara suatu struktur organisasi yang mencerminkan kewenangan, tanggung jawab dan hubungan pelaporan yang jelas; d. memastikan bahwa pendelegasian wewenang berjalan secara efektif yang didukung oleh penerapan akuntabilitas yang konsisten; e. menetapkan kebijakan dan strategi serta prosedur pengendalian intern; dan f. memantau kecukupan dan efektiitas dari sistem pengendalian intern. Dalam rangka melaksanakan tanggung jawab tersebut, Direksi harus melakukan langkah-langkah, antara lain : a. menugaskan para pejabat yang bertanggungjawab dalam kegiatan atau fungsi tertentu untuk menyusun kebijakan dan prosedur pengendalian intern terhadap kegiatan operasional serta kecukupan organisasi; activities and risks; b. should play an active role to ensure improvements to the problems of the bank, which can reduce the efectiveness of the internal control system, such as the barriers in the information low from subordinate to the leadership and weaknesses in the implementation of inancial functions, legal and internal audit; c. periodically hold a meeting with the directors and executive oicers of banks to discuss the efectiveness of the internal control system; d. conduct a review of the evaluation results of internal control made by the Board of Directors, Internal Audit and the external auditor; e. regularly make eforts to ensure that directors have the right to follow up the indings and recommendations presented by the regulators authorities of the bank, internal auditors and external auditors; f. periodically conduct a review of the validity of the banks strategy has been set.2. Board of Director
The Board of Directors has the following responsibilities: a. implement policies and strategies that have been approved by the Board of Commissioners; b. develop procedures to identify, measure, monitor and control the risks faced by the bank; c. maintain an organizational structure that relects the authority, responsibility and reporting relationships are clear; d. Ensure that efective delegation of powers is supported by consistent application of accountability; e. establish policies and strategies as well as internal control procedures; and f. monitoring the adequacy and efectiveness of the internal control system. In order to carry out these responsibilities, the Board of Directors shall take steps, among others: a. Assigns oicials responsible for certain activities or functions to develop internal control policies and procedures for operational activities and the adequacy of the organization; 575 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 b. melakukan pengendalian yang efektif untuk memastikan bahwa para pejabat dan pegawai telah mengembangkan dan melaksanakan kebijakan dan prosedur yang telah ditetapkan; c. mendokumentasikan dan mensosialisasikan struktur organisasi yang secara jelas menggambarkan jalur kewenangan dan tanggung jawab pelaporan serta menyelenggarakan suatu sistem komunikasi yang efektif kepada seluruh jenjang organisasi bank; d. mengambil langkah-langkah yang tepat untuk memastikan bahwa kegiatan fungsi pengendalian intern telah dilaksanakan oleh manajerpejabat dan pegawai yang memiliki pengalaman dan kemampuan yang memadai; e. melaksanakan secara efektif langkah perbaikan atau rekomendasi dari auditor intern dan atau auditor ekstern, antara lain dengan cara menugaskan pegawai yang bertanggung jawab untuk melaksanakannya. Evaluasi Atas Efektivitas Sistem Pengendalian Internal Evaluasi atas efektivitas pelaksanaan Sistem Pengendalian Internal di Bank SulutGo dilakukan oleh Komite Audit. Hasil evaluasi atas efektivitas pelaksanaan Sistem Pengendalian Internal tersebut menjadi salah satu dasar Dewan Komisaris menilai efektiitas Sistem Pengendalian Internal di Bank SulutGo dan untuk menentukan perbaikan dan penyempurnaan kedepannya. Berdasarkan penelaahan dan pembahasan di dalam beberapa pertemuan yang telah dilakukan, maka Komite Audit berpendapat bahwa saat ini Bank telah memiliki sistem pengendalian internal yang memadai. b. carry out efective controls to ensure that oicials and employees have to develop and implement policies and procedures that have been established; c. documenting and disseminate the organizational structure which clearly describes the lines of authority and reporting responsibilities and organizing an efective communication system for all organizational levels of the bank; d. take appropriate steps to ensure that the activities of the internal control functions have been carried out by managers oicials and employees with suicient experience and capacity; e. efectively implement corrective measures or recommendations from the auditors and the internal or external auditor, among others, by assigning employees responsible for implementing. Evaluation On the Efectiveness of Internal Control Systems Evaluation of the efectiveness of the implementation of the Internal Control System at Bank SulutGo conducted by the Audit Committee. An evaluation of the efectiveness of the implementation of the Internal Control System becomes one of the basic BOC assess the efectiveness of internal control system in the Bank SulutGo and to determine future repairs and improvements. Based on the review and discussion in several meetings that have been conducted, the Audit Committee believes that the Bank has an adequate system of internal control right now. 576 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016Parts
» bankreport annual report 2017 120
» KONTRIBUTIF bankreport annual report 2017 120
» Pemerintah Provinsi Sulawesi Utara
» Pemerintah Gubernur Gorontalo bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa bankreport annual report 2017 120
» Pemerintah Kabupaten Bolaang Mongondow
» North Sulawesi Provincial Government
» Government of Gorontalo Governor
» Minahasa Regency Government bankreport annual report 2017 120
» Bolaang Mongondow Regency Government
» Pemerintah Kabupaten Gorontalo bankreport annual report 2017 120
» Pemerintah Kabupaten Sangihe bankreport annual report 2017 120
» Pemerintah Kota Manado bankreport annual report 2017 120
» Pemerintah Kota Gorontalo bankreport annual report 2017 120
» Gorontalo Regency Government bankreport annual report 2017 120
» Sangihe Regency Government bankreport annual report 2017 120
» Manado Municipal Government bankreport annual report 2017 120
» Gorontalo Municipal Government bankreport annual report 2017 120
» Pemerintah Kota Bitung bankreport annual report 2017 120
» Pemerintah Kabupaten Boalemo bankreport annual report 2017 120
» Pemerintah Kota Tomohon bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Selatan
» Bitung Municipal Government bankreport annual report 2017 120
» Boalemo Regency Government bankreport annual report 2017 120
» Tomohon Municipal Government bankreport annual report 2017 120
» South Minahasa Regency Government
» Pemerintah Kabupaten Pohuwato bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Utara
» Pemerintah Kabupaten Bone Bolango
» Pemerintah Kabupaten Gorontalo Utara
» Pohuwato Regency Government bankreport annual report 2017 120
» North Minahasa Regency Government
» Bone Bolango Regency Government
» North Gorontalo Regency Government
» South Bolaang Mongondow Regency Government East Bolaang Mongondow Regency Government
» Pemerintah Kabupaten Bolaang Mongondow Utara
» Pemerintah Kota Kotamobagu bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Tenggara
» North Bolaang Mongondow Regency Government
» Kotamobagu Municipal Government bankreport annual report 2017 120
» 24,517,600,000 Southeast Minahasa Regency Government
» 36,205,800,000 Southeast Minahasa Regency Government
» RATA-RATA-AVERAGE Southeast Minahasa Regency Government
» Luas Pasar bankreport annual report 2017 120
» Market Area bankreport annual report 2017 120
» Analisis Potensi Pasar Market Share Perusahaan
» Analysis of Company Market Share
» Segmen Geograis. bankreport annual report 2017 120
» Segmen Demograis. bankreport annual report 2017 120
» Segmen Psikograis. bankreport annual report 2017 120
» Segmen Beneit. bankreport annual report 2017 120
» Segmen Ruang Produk bankreport annual report 2017 120
» Geographic Segment. bankreport annual report 2017 120
» Demographic Segment. bankreport annual report 2017 120
» Psychographic Segment. bankreport annual report 2017 120
» Beneit Segment. bankreport annual report 2017 120
» Product Segment. bankreport annual report 2017 120
» Segmen Faktor Pasar Market Segment.
» Kredit Menegah Korporasi bankreport annual report 2017 120
» Rasio Kredit terhadap Dana Pihak Ketiga LDR
» Loan to Third Party Fund Ratio LDR
» Rasio Kredit Bermasalah NPL dan Tingkat Kolektibilitas Piutang
» Rasio Rentabilitas Atas Aktiva ROA
» Rasio Rentabilitas Atas Ekuitas ROE
» Rasio Pendapatan Bunga Bersih NIM
» Non-performing Loan NPL Ratios and Receivable Collectibility Rate
» Net Interest Margin Ratio NIM
» Rasio Beban Operasi Terhadap Pendapatan Operasi BOPO
» Operating Expense To Operating Income Ratio OEOI
» Tindaklanjut Keputusan Rapat Akte No. 69 Tanggal
» Follow up Meeting Decision of Deed No. 69 May 22,
» Tindaklanjut Keputusan Rapat Akte No. 70 Tanggal 22 Mei 2015
» Follow-up Decision Meeting of Deed No. 70 May 22, 2015 No
» Tindaklanjut Keputusan Rapat Akte No. 71 Tanggal 22 Mei 2015
» Follow-up of Decision Meeting of Deed No. 71 May 22, 2015
» Tindaklanjut Keputusan Rapat Akte No. 72 Tanggal 22 Mei 2015
» Follow up of Decision Meeting of Deed No. 72 May 22, 2015
» Tindaklanjut Keputusan Rapat Akte No. 74 Tanggal 23 Juni 2015
» Follow-up of Decision Meeting of Deed No. 74 June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 75 Tanggal 23 Juni 2015
» Follow-up of Decision Meeting of Deed No. 75 June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 76 Tanggal 23 Juni 2015
» Follow up of the Decision of Meeting of Deed No. 76 On June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 16 tanggal 12 Oktober 2015
» Follow up of the Decision of Meeting of Deed No. 16 dated October 12, 2015
» Tindaklanjut Keputusan Rapat Akte No. 17 tanggal 12 Oktober 2015
» Follow-up of Decision Meeting of Deed No. 17 dated October 12, 2015
» Tindaklanjut Keputusan Rapat Akte No. 18 tanggal 12 Oktober 2015
» Follow-up of Decision Meeting of Deed No. 18 dated October 12, 2015
» Terkait Fungsi Nominasi bankreport annual report 2017 120
» Terkait Fungsi Remunerasi bankreport annual report 2017 120
» Related Nominations Functions bankreport annual report 2017 120
» Related Functions Remuneration bankreport annual report 2017 120
» Dewan Komisaris Board of Commissioners
» Direksi bankreport annual report 2017 120
» Board of Director bankreport annual report 2017 120
» Pengawasan Langsung bankreport annual report 2017 120
» Pengawasan Tidak Langsung bankreport annual report 2017 120
» Pemeriksaan Umum bankreport annual report 2017 120
» Direct supervision bankreport annual report 2017 120
» Indirect supervision bankreport annual report 2017 120
» General audit bankreport annual report 2017 120
» Pemeriksaan Teknologi Sistem Informasi.
» Pemeriksaan Sistem BI-RTGS dan SKNBI
» Pemeriksaan Mendadak bankreport annual report 2017 120
» Information Systems Technology Audit.
» BI-RTGS System and SKNBI Audit
» Sudden Audit bankreport annual report 2017 120
» Pemeriksaan Dengan Tujuan Tertentu
» Kegiatan Investigasi bankreport annual report 2017 120
» Menjadi counterpart OJK, BPK, BI dan pemeriksa eksternal
» Investigation Activities bankreport annual report 2017 120
» Terdapat beberapa pemberitaan negative mengenai
» Hubungan kerja antar pegawai dalam Bank
» Working relationships among employees within the Bank
» CSR has realized, but there is still remaining Unrealized CSR of Rp.14.70300.000, - 12 regions
» Laporan Lengkap; bankreport annual report 2017 120
» Laporan belum 100; bankreport annual report 2017 120
» Belum Melaporkan; bankreport annual report 2017 120
» Full Report; bankreport annual report 2017 120
» Not yet Reported; bankreport annual report 2017 120
» Pendirian Bank Lanjutan Program Rekapitalisasi
» Program Rekapitalisasi Lanjutan GENERAL Continued
» Dewan Komisaris, Direksi dan Karyawan
» UMUM UMUM Lanjutan UMUM Lanjutan UMUM Lanjutan
» Jaringan Kantor GENERAL Continued
» Pernyataan Kepatuhan SUMMARY OF ACCOUNTING POLICIES
» Basis of the Preparation of Financial Statements
» Pengunaan Pertimbangan, Estimasi dan Asumsi Perubahan Kebijakan Akuntansi
» Perubahan Kebijakan Akuntansi Lanjutan
» Perubahan Kebijakan Akuntansi Lanjutan Aset Keuangan dan Liabilitas Keuangan 1. Klasifikasi 1
» Aset Keuangan dan Liabilitas Keuangan Lanjutan
» 1. Classification Continued SUMMARY OF ACCOUNTING POLICIES Continued
» 2. Pengakuan 2 3 Pengukuran biaya perolehan diamortisasi
» 3 Amortized cost measurement SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Keuangan dan Liabilitas Keuangan Lanjutan 4. Pengukuran nilai wajar 4
» 4 Fair value measurement Continued 5. Penghentian Pengakuan 5
» 5 Derecognition Continued SUMMARY OF ACCOUNTING POLICIES Continued
» 6.Saling Hapus 6. Offsetting SUMMARY OF ACCOUNTING POLICIES Continued
» Giro pada Bank Indonesia dan pada Bank Lain
» Penempatan pada Bank Indonesia dan Bank Lain Surat-surat Berharga Marketable Securities
» Surat-surat Berharga Lanjutan SUMMARY OF ACCOUNTING POLICIES Continued
» Marketable Securities Continued SUMMARY OF ACCOUNTING POLICIES Continued
» Kredit Yang Diberikan SUMMARY OF ACCOUNTING POLICIES Continued
» Loans Penyertaan SUMMARY OF ACCOUNTING POLICIES Continued
» Penyertaan Lanjutan SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Tetap SUMMARY OF ACCOUNTING POLICIES Continued
» Fixed Assets SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Lain-Lain SUMMARY OF ACCOUNTING POLICIES Continued
» Liabilitas Segera SUMMARY OF ACCOUNTING POLICIES Continued
» Simpanan Nasabah SUMMARY OF ACCOUNTING POLICIES Continued
» Pinjaman yang Diterima SUMMARY OF ACCOUNTING POLICIES Continued
» Borrowings SUMMARY OF ACCOUNTING POLICIES Continued
» Perpajakan SUMMARY OF ACCOUNTING POLICIES Continued
» Surat Berharga yang Diterbitkan
» Marketable Securities Issued Imbalan Pasca Kerja
» Pendapatan Provisi dan Komisi Transaksi dengan Pihak-pihak Berelasi
» Transaksi dengan Pihak-pihak Berelasi Lanjutan
» Laba per Saham SUMMARY OF ACCOUNTING POLICIES Continued
» Sumber Utama atas Ketidakpastian Estimasi
» 1. Allowance for impairment losses of financial assets .
» 2. Penentuan nilai wajar 2. Determination fair value
» PENGUNAAN ESTIMASI DAN PERTIMBANGAN PENGUNAAN ESTIMASI DAN PERTIMBANGAN
» USE OF ESTIMATES AND JUDGEMENTS
» KAS bankreport annual report 2017 120
» CASH bankreport annual report 2017 120
» CURRENT ACCOUNT WITH BANK NDONESIA
» Pihak-pihak berelasi : Related parties :
» Pihak ketiga : Third parties :
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN PLACEMENTS IN BANK INDONESIA AND OTHER BANKS
» SURAT-SURAT BERHARGA MARKETABLE SECURITIES
» SURAT-SURAT BERHARGA Lanjutan MARKETABLE SECURITIES Continued
» SURAT-SURAT BERHARGA Lanjutan bankreport annual report 2017 120
» Berdasarkan Sektor Ekonomi LOANS Continued
» Berdasarkan Jenis Kredit LOANS Continued
» Kredit Yang Diberikan Berdasarkan Kolektabilititasnya
» Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan
» Menurut jangka waktu LOANS Continued
» LOANS Continued bankreport annual report 2017 120
» PENYERTAAN INVESTMENTS bankreport annual report 2017 120
» ASET TETAP Lanjutan FIXED ASSETS Continued
» ASET LAIN LAIN bankreport annual report 2017 120
» OTHERS ASSETS bankreport annual report 2017 120
» LIABILITAS SEGERA bankreport annual report 2017 120
» OBLIGATION DUE TO IMMEDIATELY
» SIMPANAN NASABAH bankreport annual report 2017 120
» DEPOSITS FROM CUSTOMERS SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANK
» SIMPANAN DARI BANK LAIN Lanjutan
» DEPOSITS FROM OTHER BANK Continued SURAT BERHARGA YANG DITERBITKAN MARKETABLE SECURITIES ISSUED
» SURAT BERHARGA YANG DITERBITKAN Lanjutan
» MARKETABLE SECURITIES ISSUED Continued
» PINJAMAN YANG DITERIMA bankreport annual report 2017 120
» Utang Pajak Rekonsiliasi Fiskal
» Rekonsiliasi Fiskal Lanjutan TAXATION Continued
» Beban Pajak Aset Liabilitas pajak tangguhan
» BORROWINGS PERPAJAKAN PERPAJAKAN Lanjutan PERPAJAKAN Lanjutan
» LIABILITAS IMBALAN PASKA KERJA LIABILITIES ON EMPLOYEE POST BENEFIT
» LIABILITAS IMBALAN PASKA KERJA Lanjutan LIABILITIES ON EMPLOYEE POST BENEFIT Continued
» LIABILITAS IMBALAN PASKA KERJA Lanjutan
» LIABILITIES ON EMPLOYEE POST BENEFIT Continued D.
» LIABILITAS LAINNYA bankreport annual report 2017 120
» OTHER LIABILITIES bankreport annual report 2017 120
» SHARE CAPITAL EQUITY a. MODAL SAHAM
» EKUITAS EKUITAS Lanjutan bankreport annual report 2017 120
» SHARE CAPITAL Continued EQUITY Continued a. MODAL SAHAM Lanjutan
» EKUITAS Lanjutan bankreport annual report 2017 120
» Komponen Ekuitas Lainnya EQUITY Continued b. Tambahan Modal Disetor
» PENDAPATAN BUNGA bankreport annual report 2017 120
» INTEREST INCOME bankreport annual report 2017 120
» BEBAN BUNGA bankreport annual report 2017 120
» INTEREST EXPENSE bankreport annual report 2017 120
» PENDAPATAN OPERASIONAL LAIN bankreport annual report 2017 120
» OTHERS OPERATIONAL INCOME bankreport annual report 2017 120
» PENYISIHAN KERUGIAN ASET bankreport annual report 2017 120
» ALLOWANCE FOR IMPAIRMENT LOSSES ON ASETS
» BEBAN PERSONALIA bankreport annual report 2017 120
» PERSONALIA EXPENSE bankreport annual report 2017 120
» GENERAL AND ADMINISTRATION EXPENSES
» BEBAN PROMOSI bankreport annual report 2017 120
» PROMOTIONAL EXPENSE bankreport annual report 2017 120
» BEBAN PREMI PROGRAM PENJAMINAN PEMERINTAH
» GOVERNMENT PREMIUMS GUARANTEE PROGRAM EXPENSES
» KERUGIAN DARI PERUBAHAN NILAI WAJAR ASET KEUANGAN
» LOSS FROM CHANGES IN FAIR VALUE OF FINANCIAL ASSETS
» PENDAPATAN BEBAN NON OPERASIONAL
» NON OPERATING INCOME EXPENSES
» LABA PER SAHAM bankreport annual report 2017 120
» EARNING PER SHARE bankreport annual report 2017 120
» DANA PENSIUN bankreport annual report 2017 120
» PENSION FUND IKATAN bankreport annual report 2017 120
» AGREEMENTS 213.449.303.000 bankreport annual report 2017 120
» IKATAN Lanjutan AGREEMENTS Continued
» IKATAN Lanjutan bankreport annual report 2017 120
» AGREEMENTS Continued INSTRUMEN KEUANGAN
» Klasifikasi aset keuangan dan liabilitas keuangan Lanjutan
» INSTRUMEN KEUANGAN Lanjutan FINANCIAL INSTRUMENT Continued b.
» INSTRUMEN KEUANGAN Lanjutan bankreport annual report 2017 120
» FINANCIAL INSTRUMENT Continued b.
» ESTIMASI KERUGIAN KOMITMEN DAN KONTIGENSI
» Penyertaan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Investment Giro ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Current accounts Aset ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Tabungan Savings Deposito Deposits Kredit yang diberikan Loans Giro Current account
» Giro Lanjutan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Current account Continued ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Deposito ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Deposits ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Tabungan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Savings ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Pendapatan bunga ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Interest income ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Pendapatan operasional lainnya ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Beban bunga ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Interest expense ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET Lanjutan
» Kualitas aset produktif PRODUCTIVE ASSETS RATIO FOR TOTAL ASSETS Continued
» MANAJEMEN RESIKO RISK MANAGEMENT
» MANAJEMEN RESIKO Lanjutan bankreport annual report 2017 120
» RISK MANAGEMENT Continued Resiko Kredit JAMINAN TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM
» GUARANTEE TOWARDS LIABILITIES OF COMMERCIAL BANKS PAYMENT
» JAMINAN TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM Lanjutan
» TANGGUNG JAWAB SOSIAL PERUSAHAAN
» PERATURAN-PERATURAN BARU YANG TELAH DITERBITKAN Lanjutan
» NEW RULES THAT HAVE BEEN PUBLISHED Continued INFORMASI TAMBAHAN ADDITIONAL INFORMATION
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