PENERAPAN MANAJEMEN RISIKO SELF ASSESSMENT OF GCG IMPLEMENTATION 2015

I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 152 Komisaris dan di tingkat Direksi dibantu oleh Komite Manajemen Risiko Risk Management Committee. • Kecukupan kebijakan, prosedur dan penetapan limit; Penerapan manajemen risiko di Perseroan telah dituangkan dalam beberapa kebijakan dan prosedur,antara lain Kebijakan Manajemen Risiko KMR. KMR sebagai ketentuan tertinggi dalam memberikan arahan kebijakan pengelolaan dan pengendalian risiko dalam rangka mengamankan Perseroan atas risiko yang dihadapi dalam aktivitas bisnisnya. Penetapan limit dikelola dalam kegiatan usaha dan produk dan telah disesuaikan tingkat risiko yang akan diambil risk appetite dan limit tersebut ditinjau secara berkala untuk menyesuaikan terhadap perubahan kondisi yang terjadi. • Kecukupan proses identiikasi, pengukuran, pemantauan dan pengendalian risiko serta sistem informasi manajemen risiko; Proses penerapan manajemen risiko yang meliputi identiikasi, pengukuran, pemantauan, pengelolaan dan pengendalian terhadap ke delapan risiko yaitu risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko kepatuhan, risiko stratejik, risiko hukum, dan risiko reputasi. Salah satu pengukuran risiko tercermin dalam Laporan Proil Risiko triwulanan. • Sistem pengendalian intern; Pengendalian internal telah dilakukan oleh Satuan Kerja Audit Intern untuk menilai pelaksanaan proses dan sistem manajemen risiko pada aktivitas fungsional yang memiliki eksposur risiko. Board of Directors. • Policy Adequacy, Procedure and Limit Establishment; The implementation of risk management in a corporate has been annotated to a various policy and procedure which is Risk Management Policy KMR. KMR is the highest provision in managing the risk control and policy in order to securing the corporate from the risk of the business activity. Limit establishment was managed by business activity and product that have been adjusted by the risk appetite. Those limits will be evaluated periodically to adjust with the circumstances. • Identification Process Adequacy, Measurement, supervision and Control Risk and Risk Management Information System; Implementing the risk management including identification, measurement, supervision, management, and controlling are being done to the eight kind of risk which are Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Compliance Risk, Strategic Risk, Legal Risk, and Reputation Risk. One of the measurement is reflected in Quarter Risk Profile Report. • Internal Control System Internal Controlling is being done by the Internal Audit Working Unit. They assess the process and system of risk management to functional activity that exposed by the risk. There are a clear boundary between