TRANSACTIONS WITH Bank Tabungan Negara 2015

Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 181 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Satuan Kerja Manajemen Risiko Risk Management Division Risk Management Division RMD merupakan Satuan Kerja Manajemen Risiko SKMR pada Bank, dipimpin oleh seorang Kepala Divisi yang bertanggung jawab langsung kepada Risk, Compliance Strategic Director. Struktur organisasi Risk Management Division terdiri dari Market Risk Management Department, Credit Risk Management Department, Operational Risk Management Department dan Risk Officer Coordination Department. Risk Management Division RMD is a Risk Management Working Unit RMWU at the Bank, led by a Division Head that is responsible directly to the Risk, Compliance Strategic Director. The organizational structure of the RMD consists of the Market Risk Management Department, Credit Risk Management Department, Operational Risk Management Department and Risk Officer Coordination Department. Market Risk Management Department berfungsi untuk melakukan pengelolaan Risiko Pasar dan Risiko Likuiditas. Fungsi Credit Risk Management Department melakukan pengelolaan Risiko Kredit sedangkan Operational Risk Management Department berfungsi mengelola Risiko Operasional, Risiko Kepatuhan, Risiko Strategik, Risiko Reputasi dan Risiko Hukum. Setiap Departement Head dibantu oleh Unit Policy Procedure dan Unit Assessment Measurement. Market Risk Management Department is responsible for managing market risk and liquidity risk. Credit Risk Management Department is responsible for credit risk management, while Operational Risk Management Department is responsible for managing operational risk, compliance risk, strategic risk, reputational risk and legal risk. The Department Head is assisted by Policy Procedure Unit and Assessment Measurement Unit. Risk Officer Coordination ROC bertanggung jawab melakukan koordinasi dan supervisi terhadap Risk Officer dalam melakukan pemantauan implementasi manajemen risiko di Bank. Dalam menjalankan fungsi pemantauan risiko, ROC dibantu oleh Risk Superintendent RS pada tingkat Divisi, Regional Risk Superintendent RRS pada tingkat Kantor Wilayah dan Branch Risk Officer BRO di Kantor Cabang di bawah koordinasi Risk Officer Coordination ROC yang bertanggung jawab langsung kepada Kepala Risk Management Division RMD. Risk Officer Coordination ROC has a responsiblity in coordinating and supervising the Risk Officer during monitoring the implementation of risk management in the Bank. In performing risk monitoring functions, ROC assisted by the Risk Superintendent RS at the Division level, the Regional Risk Superintendent RRS at the level of the Regional Office and Branch Risk Officer BRO in the Branch Office under the coordination of Risk Coordination Officer ROC which is directly responsible to the Head of Risk Management Division RMD. RS dan RRS merupakan pejabat yang bertanggung jawab langsung pada ROC dan bertugas melakukan pemantauan implementasi manajemen risiko di Divisi dan Kantor Wilayah Regional Office dengan melakukan proses identifikasi, pengukuran, pemantauan dan merekomendasikan pengendalian risiko kepada Divisi dan Kantor Wilayah dimana RS dan RSS bertugas. BRO adalah pejabat yang bertanggung jawab langsung kepada ROC dan bertugas melakukan pemantauan implementasi manajemen risiko di Kantor Cabang dengan melakukan proses identifikasi, pengukuran, pemantauan dan merekomendasikan pengendalian risiko kepada Kantor Cabang dimana BRO bertugas. RS and RRS is directly responsible to the ROC and is responsible for the monitoring of the implementation of risk management in the Division and Regional Office, including the process of identification, measurement, monitoring and recommending risk controls to the Division and Regional office where the RS and RSS is assigned. The BRO is also directly responsible to the ROC and is responsible for the monitoring of the implementation of risk management at branch offices, including the process of identification, measurement, monitoring and recommending risk controls to the branch office where the BRO is assigned. Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 182 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Kebijakan dan Prosedur Pengelolaan Manajemen Risiko Risk Management Policies and Procedures Bank telah memiliki panduan kebijakan di bidang manajemen risiko yaitu Pedoman Kebijakan Manajemen Risiko PKMR di mana di dalamnya telah mencakup ketentuan-ketentuan minimal yang disyaratkan di dalam Peraturan Bank Indonesia. Pengkajian ulang terhadap kebijakan internal juga dilakukan agar sesuai dengan ketentuan terkini dari regulator dengan melakukan gap analysis serta mengakomodasi best practices yang lazim digunakan untuk meningkatkan kualitas penerapan manajemen risiko. The Bank’s risk management policies are formalized in the RMPM. RMPM sets out the minimum requirements based on Bank Indonesia regulations. A regular review is conducted on internal policies to comply with the prevailing regulations from regulatory bodies. Gap analysis are performed and best practices are applied to enhance the quality of the risk management implementation. Sistem informasi manajemen risiko pada tahap awal difokuskan pada pengumpulan dan perbaikan database risiko yang diharapkan dapat dikembangkan dan diaplikasikan ke dalam sistem teknologi informasi secara bertahap agar proses pengukuran risiko dan pemantauan risiko dapat dilakukan secara terintegrasi dan dapat disajikan secara tepat waktu. The Bank also performs risk management on information systems which focuses on risk database collection and improvement. The data is gradually developed and applied in the information technology system so that risk measurement and monitoring can be integrated into the Bank’s risk management on a timely basis. Profil Risiko Risk Profile Sesuai PBI No.1125PBI2009 tanggal 1 Juli 2009 tentang Perubahan Atas Peraturan Bank Indonesia No. 58PBI2003 tentang Penerapan Manajemen Risiko Bagi Bank Umum, RMD menyampaikan laporan profil risiko kepada Otoritas Jasa Keuangan per triwulan yang memuat tentang eksposur risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko kepatuhan, risiko hukum, risiko reputasi dan risiko stratejik. Selanjutnya berdasarkan PBI No. 131PBI2011 tanggal 5 Januari 2011 dan SE BI No. 1324DPNP tanggal 25 Oktober 2011 tentang Penilaian Tingkat Kesehatan Bank Umum, meliputi penilaian faktor profil risiko yang meliputi penilaian terhadap risiko inheren dan kualitas penerapan manajemen risiko dalam aktivitas operasional Bank. In accordance with PBI No.1125PBI2009 dated July 1, 2009 regarding the Amendment to Bank Indonesia Regulation No. 58PBI2003 on Risk Management for Commercial Banks, RMD submits on a quarterly basis a risk profile report to the Financial Services Authority, which contains exposure to credit risk, market risk, liquidity risk, operational risk, compliance risk, legal risk, reputational risk and strategic risk. Furthermore, based on PBI No. 131PBI2011 dated January 5, 2011 and SE BI No. 1324DPNP dated October 25, 2011 regarding a Bank’s health level, the assessment of the risk profile will cover the inherent risk and quality of risk management implementation through the operational activities of the Bank. Secara umum risiko komposit profil risiko Bank triwulan IV tahun 2015 dan 2014 berada pada peringkat low to moderate, yang tercermin dari tingkat risiko inheren moderate dan tingkat kualitas penerapan manajemen risiko dengan peringkat satisfactory. Risiko Inheren meliputi strategi bisnis, karakteristik bisnis, kompleksitas produk dan aktivitas Bank,industri dimana Bank melakukan kegiatan usaha, serta kondisi makro ekonomi. Kualitas Penerapan Manajemen Risiko meliputi tata kelola risiko, kerangka manajemen risiko, proses manajemen risiko, kecukupan sumber daya manusia, dan kecukupan sistem informasi manajemen risiko, serta kecukupan sistem pengendalian risiko. In general, the Bank’s composite risk profile during the fourth quarter of 2015 and 2014 is low to moderate, which is reflected in the moderate inherent risk level and satisfactory level of quality of risk management implementation. Inherent risks include business strategy, business characteristics, complexity of products and activities of the Bank, the industry in which the Bank conducts business, as well as macroeconomic conditions. The quality of risk management implementation covers risk governance, risk management framework, risk management process, the adequacy of human resources and risk management information systems, as well as the adequacy of the risk management system.