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Hasil Penilaian Sendiri Self Assessment Pelaksanaan GCG self assessment of GcG implementation
• bank bjb telah membentuk komite-komite di bawah Dewan Komisaris
Komite audit, Komite Manajemen risiko, Komite remunerasi dan nominasi, Komite pemantau Bisnis dan perkreditan dan Komite Tata
Kelola Terintegrasi yang anggotanya memiliki kompetensi sesuai bidang kerjanya masing-masing;
• bank bjb telah membentuk Satuan Kerja audit Internal, Satuan Kerja
Kepatuhan dan Satuan Kerja Manajemen risiko dengan Sumber Daya Manusia yang kompeten dan mampu bekerja secara independen
terhadap unit kerja bisnis dan operasional;
• bank bjb telah mempunyai kebijakan serta prosedur yang memadai bagi seluruh kegiatan usaha bank bjb seperti Kebijakan perkreditan, Kebijakan
Manajemen risiko dan sebagainya;
• bank bjb telah memiliki kebijakan, sistem dan prosedur tertulis yang
memadai dalam rangka penyediaan dana kepada pihak terkait dan penyediaan dana besar, berikut monitoring serta penanganan dalam hal
terjadi non performing loan;
• bank bjb telah memiliki pedoman GCG yang berisi kebijakan-kebijakan yang menunjang kegiatan operasional bank bjb, sehingga dapat
mewujudkan suatu tata kelola perusahaan yang baik;
• bank bjb telah memiliki pedoman Benturan Kepentingan untuk dapat
menangani situasi benturan kepentingan yang dihadapi, dalam rangka menjalankan kegiatan usahanya;
• bank bjb telah memiliki Standar pelaksanaan Fungsi audit Intern Bank
SpFaIB sebagai dasar dalam penerapan fungsi audit Internal;
• bank bjb telah menyusun Laporan pelaksanaan GCG pada setiap akhir
tahun buku dengan cakupan sesuai ketentuan yang berlaku;
• bank bjb telah menyusun rencana Bisnis Bank secara realistis,
komprehensif, terukur achievable dengan memperhatikan prinsip kehati- hatian serta responsif terhadap setiap perubahan internal maupun
eksternal; • Terdapat penguatan Fungsi Kepatuhan khususnya Budaya Kepatuhan
melalui pelaksanaan fungsi quality assurance dengan menetapkan compliance sheet dan compliance checklist di dalam kegiatan operasional
bank bjb yang dilakukan secara konsisten serta memperhatikan prinsip- prinsip tata kelola yang baik dan azas-azas perbankan yang sehat.
• bank bjb has formed committees under the Board of Directors
audit Committee, risk Management Committee, remuneration and nomination Committee, Business and Credit Monitoring Committee,
and Integrated Governance Committee in which members have appropriate competencies in their respective field of work.
• bank bjb has formed the Internal audit unit, Compliance unit and the
risk Management unit with competent human resources who are able to work independently from the business and operational units.
• bank bjb has possessed adequate policies and procedures for all of
bank sms banking activities such as Credit policy, risk Management policy and so on.
• bank bjb has established adequate policies, systems and written
procedures in relation to the provision of funds to related parties and large exposures, as well as monitoring and treatment in the event of
non-performing loans.
• bank bjb has established the Guidelines on GCG, which contains policies that support the operations of bank bjb, so as to create good
corporate governance.
• bank bjb has established the Guidelines for Conflict of Interest in
order to handle conflict of interest encountered in the Company’s business operations.
• bank bjb has the Bank Internal audit Standards SpFaIB as the basis
for the implementation of the Internal audit function.
• bank bjb has prepared the GCG implementation report at the end of
each fiscal year in accordance with the applicable regulations.
• bank bjb has established a realistic, comprehensive, measurable
achievable Business plan with regard to the prudence principle as well as responsiveness to internal and external changes.
• Strengthening of the Compliance Function in particular the Compliance Culture through the quality assurance function by
formulating the compliance sheet and compliance checklist in bank bjb
’s operations, which is performed consistently and with regard to the principles of good corporate governance and the principles of
sound banking.
b. GOVERNANCE PROCESS 1. Faktor-faktor positif aspek governance process bank bjb adalah:
• Dewan Komisaris melaksanakan rapat-rapat untuk memberikan rekomendasi kepada Direksi dalam rangka melaksanakan fungsi
dan tanggung jawabnya. rapat tersebut dilakukan antara lain untuk memastikan terselenggaranya pelaksanaan prinsip-prinsip GCG dalam
setiap kegiatan usaha bank bjb pada seluruh tingkatan atau jenjang organisasi. Dalam melakukan tugas pengawasan, Dewan Komisaris telah
mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan strategis bank bjb;
• Komite-komite yang berada di bawah Dewan Komisaris telah menjalankan tugasnya secara independen dan telah memberikan analisa
yang memadai serta rekomendasi kepada Dewan Komisaris;
• Direksi mengelola bank bjb sesuai kewenangan dan tanggung jawabnya
serta bertanggung jawab penuh atas pelaksanaan kepengurusan bank bjb
; • Direksi menyusun Rencana Bisnis Bank secara realistis, komprehensif,
terukur achievable atas dasar kajian yang komprehensif dengan memperhatikan peluang bisnis dan kekuatan yang dimiliki oleh bank
bjb
serta mengidentifikasikan kelemahan dan ancaman yang ada SWOT Analysis;
• Direksi menindaklanjuti temuan dan rekomendasi dari hasil pemeriksaan Satuan Kerja audit Internal, auditor eksternal, hasil pengawasan otoritas
Jasa Keuangan danatau Badan pemeriksa Keuangan yang ditindaklanjuti dengan pemberian arahan terkait temuan dan rekomendasi tersebut;
• Satuan Kerja Kepatuhan membuat dan menjalankan langkah-langkah dalam rangka menciptakan Budaya Kepatuhan pada setiap jenjang
organisasi;
b. GOVernance PrOcess 1. positive factors of governance process aspect of bank bjb are:
• The Board of Commissioners conducts meetings to provide recommendations to the Board of Directors in carrying out its
functions and responsibilities. The meetings were performed, among others, to ensure the implementation of good corporate governance
principles in all of the business activities of bank bjb at all levels of the organization. In performing supervisory duties, the BoC directs,
monitors and evaluates the implementation of bank bjb’s strategic policies;
• The Committees under the Board of Commissioners carry out their duties independently and provide adequate analysis and
recommendations for the Board of Commissioners;
• The Board of Directors manages bank bjb based on their authorities
and responsibilities and is fully responsible for the management of the bank bjb;
• The Board of Directors establishes a realistic, comprehensive, measurable achievable Business plan based on a comprehensive
study by taking into account business opportunities as well as bank bjb
strength, weaknesses and threats SWoT analysis; • The Board of Directors follows up the findings and recommendations
of the Internal audit unit, the external auditor, the result of monitoring from the Financial Services authority andor the national
audit Board, followed by the provision of relevant directives of the findings and recommendations;
• The Compliance unit establishes and performs measures to create a Culture of Compliance at every level of the organization;
PENINGKATAN KUALITAS GOOD CORPORATE GOVERNANCE SECARA BERKELANJUTAN
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6. Menetapkan indikator atau standar kualitas penerpan GCG yang ingin dicapai perusahaan.
7. Meningkatkan kesadaran dan komitmen bersama internal perusahaan.
bank bjb sebagai salah satu Bank Nasional telah mengikuti program CGPI. Adapun pada tahun 2016, bank bjb mendapat
rating “Trusted Company” dengan total nilai 82,13 untuk penilaian tahun 2015.
Tabel Assessment GcGi Periode Penerapan Tahun 2015 Table of cGPi assessment result
aspek Penilaian assessment stage
skor aspek | aspect score
2015
Self Assesment | Self assesment
26,58 Sistem Dokumentasi |
Document Review 20,43
Makalah | Paper
12,12 Observasi |
Observation 23,00
Total 82,13
PENINGKATAN KUALITAS DAN BENCHMARKING
Hasil dari assessment serta ditambah dengan masukan dari seluruh stakeholders digunakan sebagai pertimbangan di dalam
melakukan peningkatan kualitas implementasi GCG. Ada dua macam peningkatan kualitas yaitu peningkatan kualitas untuk
mencapai standar kualitas yang ditetapkan dan peningkatan kualitas dalam konteks peningkatan standar kualitas yang telah
dicapai melalui benchmarking.
Perseroan melakukan peningkatan kualitas implementasi GCG dengan menindaklanjuti hasil self assessment, temuan
audit dan rekomendasi auditor internal, auditor eksternal serta hasil pengawasan regulator OJK. Adapun bentuk tindak
lanjut tersebut dilakukan melalui rapat pembahasan antara Direksi, Divisi Kepatuhan dan Divisi serta Komite terkait yang
dilaksanakan secara rutin setiap bulannya.
Selanjutnya akan segera dilakukan tindakan koreksi yang dituangkan dalam program kerja. Pelaksanaan program
kerja senantiasa dipantau kesesuaiannya sehingga akan meningkatkan kualitas implementasi GCG. Di samping itu,
Perseroan juga melakukan benchmarking dalam rangka peningkatan kualitas GCG dengan mengikuti perkembangkan
best practices yang ada.
PENINGKATAN KUALITAS GOOD CORPORATE GOVERNANCE SECARA BERKELANJUTAN
conTinouS gooD coRPoRaTe goveRnance QualiTy iMPRoveMenT
6. To establish indicator or standard of GCG implementation quality to be achieved by the company
7. To increase awareness and mutual commitment internally
Bank bjb as one of the national banks has participated in CGPI program. In 2016, bank bjb achieved rating “Trusted Company”
with total points of 82.13 for assessment year 2015.
IMPROVING QUALITY AND BENCHMARKING
The assessment result and input from all stakeholders are used as a consideration in improving GCG implementation
quality. There are two quality improvement, which are quality improvement to reach the quality standard established and
quality improvement in the context of quality improvement achieved through benchmarking.
Bank improves GCG implementation quality by following up the result of self assessment, audit findings, and recommendations
from internal auditor and external auditor, as well as regulator OJK monitoring result. The form of follow up is done through
discussion meeting between Directors, Compliance Division, and relevant Divisions and Committee that is held routinely
every month.
Next, correctional activities will be done and will be stated in the work program. Implementation of work program is
always monitored for suitability so that it will improve GCG implementation quality. Furthermore, Bank also conduct
benchmarking in order to increase GCG quality by following the existing best practices.
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Hasil Penilaian Sendiri Self Assessment Pelaksanaan GCG self assessment of GcG implementation
• Satuan Kerja Kepatuhan melakukan review danatau merekomendasikan pengkinian dan penyempurnaan kebijakan, ketentuan, sistem maupun
prosedur yang dimiliki oleh bank bjb;
• Satuan Kerja Kepatuhan memastikan bahwa kebijakan, ketentuan,
sistem dan prosedur, serta kegiatan usaha bank bjb telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundangan-undangan yang
berlaku; • Pelaksanaan pemantauan dan penyampaian laporan atas komitmen
yang dibuat berdasarkan hasil pemeriksaan otoritas Jasa Keuangan dan pemeriksa lain yang berwenang dilaksanakan oleh Satuan Kerja
Kepatuhan sesuai dengan ketentuan struktur organisasi bank bjb;
• Satuan Kerja Audit Internal melakukan fungsi pengawasan secara independen dengan cakupan tugas yang memadai dan sesuai dengan
rencana kerja, pelaksanaan maupun pemantauan hasil audit; • Satuan Kerja Audit Internal telah melaporkan seluruh temuan hasil
pemeriksaan sesuai ketentuan yang berlaku; • Kantor Akuntan Publik yang ditunjuk, mampu bekerja secara independen,
memenuhi standar profesional akuntan publik serta ruang lingkup audit yang ditetapkan;
• Satuan Kerja Audit Internal, Satuan Kerja Kepatuhan dan Satuan Kerja Manajemen risiko telah melaksanakan tugasnya sesuai dengan
ketentuan yang berlaku; • Pengambilan keputusan dalam penyediaan dana diputuskan dalam Rapat
Komite yang dilakukan secara independen tanpa intervensi dari pihak terkait danatau pihak lainnya dengan mengedepankan prinsip kehati-
hatian;
• Bank bjb telah menyampaikan informasi keuangan dan non-keuangan
secara transparan.
2. Faktor-faktor negatif aspek governance process bank bjb adalah:
• Terdapat komitmen atas hasil temuan Otoritas Jasa Keuangan yang masih dalam proses penyelesaian.
• The Compliance unit conducts review and or recommend updates
and refinements of the bank bjb’s policies, regulations, systems and procedures;
• The Compliance unit ensures that policies, regulations, systems
and procedures, as well as the bank bjb’s business activities are in accordance with the provisions of Bank Indonesia and the applicable
laws and regulations; • Monitoring and submission of the report prepared based on the
findings of the Financial Services authority and other competent examiners is conducted by the Compliance unit in accordance to bank
bjb
’s organizational structure provisions; • The Internal audit unit performs a supervisory function
independently with adequate task coverage in accordance with the work plan, application and monitoring of audit findings;
• The Internal audit unit reports all of the audit findings in accordance to the applicable regulations;
• The public accounting Firm appointed is able to work independently, meet the professional standards of public accounting and the audit
scope defined; • The Internal audit unit, Compliance unit and the risk Management
unit perform their duties in accordance with the applicable regulations;
• Decision-making related to the provision of funds is performed in the Committee Meeting conducted independently without intervention
from related parties andor other parties by promoting the precautionary principle;
• Bank bjb submits financial and non-financial information
transparently.
2. The negative factors of the aspect of bank bjb’s governance process include:
• There is a commitment on the findings of the Financial Services authority which is still in the process of completion.
C. GOVERNANCE OUTCOME 1. Faktor-faktor positif aspek governance outcome bank bjb adalah:
• Dewan Komisaris beserta komite-komite di bawah Dewan Komisaris telah melaksanakan tugas dan tanggung jawabnya sebagai fungsi
pengawasan dengan baik. hal ini dapat terlihat dengan adanya pengawasan atas pencapaian targetrealisasi rencana Bisnis Bank;
• Komite-komite yang berada di bawah Dewan Komisaris telah memberikan analisa dan rekomendasi kepada Dewan Komisaris. analisa
dan rekomendasi tersebut menjadi pertimbangan dalam rangka Dewan Komisaris melaksanakan fungsi pengawasan terhadap Direksi;
• Direksi telah mempertanggungjawabkan pelaksanaan tugasnya kepada pemegang saham melalui rapat umum pemegang Saham
rupS dan untuk pelaksanaan tugas dan tanggung jawab Direksi tahun buku 2014 telah diterima oleh rupS;
• bank bjb telah menyampaikan laporan pokok pelaksanaan tugas
Direktur yang membawahkan Fungsi Kepatuhan kepada otoritas Jasa Keuangan secara berkala sesuai dengan ketentuan yang berlaku;
• Satuan Kerja Audit Internal telah bertindak objektif dalam melakukan audit;
• Satuan Kerja Audit Internal melaksanakan pemeriksaan sesuai dengan rKaT tahun 2015 dan pemantauan hasil audit dilakukan secara
berkesinambungan dan penyelesaian komitmen tindak lanjut per Desember 2015 sebesar 100;
» audit eksternal telah bertindak objektif dalam melakukan audit serta hasil audit dan management letter telah menggambarkan
permasalahan bank bjb yang kemudian disampaikan secara tepat waktu kepada otoritas Jasa Keuangan oleh Kap yang ditunjuk;
» Dewan Komisaris dan Direksi mampu melakukan pengawasan secara aktif terhadap pelaksanaan kebijakan dan strategi
Manajemen risiko;
c. GOVernance OUTcOme 1. The positive factors of the governance outcome aspect of bank bjb are:
• The Board of Commissioners and the Committees under the Board of Commissioners has carried out their duties and responsibilities in the
supervisory function properly. This can be seen through the existence of oversight on the achievementrealization of the Bank’s business plan;
• Committees under the Board of Commissioners have provided analysis and recommendations to the Board of Commissioners. The
analysis and recommendations are taken into consideration by the Board of Commissioners in monitoring the Board of Directors;
• The Board of Directors has been accountable for the implementation of their duties to the shareholders through the General Meeting
of Shareholders GMS and as for the implementation of tasks and responsibilities for the financial year has been accepted by the GMS;
• bank bjb has reported the implementation of duties of the Director in
charge of Compliance to the Financial Services authority on a regular basis in accordance with the applicable regulations;
• The Internal audit unit has acted objectively in conducting the audit; • The Internal audit unit has carried out audit in accordance with rKaT
2015 and the monitoring of the audit findings is conducted on an ongoing basis. as of December 2015, the commitment to follow up
is 100; » external audit has acted objectively in conducting the audit. The
results of the audit and management letter have described the problems that occur in bank bjb which is then conveyed to the
Financial Services authority on a timely basis by the appointed public accounting Firm;
» The Board of Commissioners and Board of Directors are able to conduct active supervision on the implementation of risk
management policies and strategies;
PENINGKATAN KUALITAS GOOD CORPORATE GOVERNANCE SECARA BERKELANJUTAN
conTinouS gooD coRPoRaTe goveRnance QualiTy iMPRoveMenT
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Hasil Penilaian Sendiri Self Assessment Pelaksanaan GCG self assessment of GcG implementation
» Terdapat laporan-laporan antara lain laporan Tingkat Kesehatan Bank, laporan hasil audit dan sebagainya yang dilaporkan kepada
pihak internal maupun pihak eksternal bank bjb sesuai dengan ketentuan yang berlaku;
» bank bjb telah menetapkan ketentuan tentang complience sheet
bidang perkreditan dalam rangka mengantisipasi penyediaan dana agar tidak melampaui BMpK, agunan, asuransi, pengikatan,
pDn dan sebagainya. Selama periode Juli-Desember 2015 tidak terdapat penyediaan dana yang melampai BMpK;
» Telah dilakukan penyampaian laporan atas hasil pemantauan komitmen oleh Satuan Kerja Kepatuhan yang dibuat berdasarkan
hasil pemeriksaan otoritas Jasa Keuangan, dengan pemenuhan komitmen pada bulan Desember 2015 hampir mencapai 100;
» bank bjb telah melaksanakan penyampaian informasi keuangan
dan non-keuangan secara transparan dan berkala baik melalui homepage maupun media cetak.
2. Faktor-faktor negatif aspek governance outcome bank bjb adalah:
• Dengan memperhatikan sanksi denda yang diberikan oleh Otoritas
Jasa Keuangan kepada bank bjb, secara nominal pelanggaran terhadap ketentuan yang berlaku belum menunjukkan tingkat penurunan.
» reports among others regarding the Bank’s health Level, audit
report and so on are reported to the bank bjb’s internal and external parties in accordance to the applicable regulations;
» bank bjb has set the regulation on compliance sheet in the field
of credit in order to anticipate the provision of funds to avoid exceeding the LLL, Collateral, Insurance, Bonding, pDn, and so on.
During the period from July to December 2015 there were several funds exceeding the LLL;
» has been submitted report of monitoring results on commitment by the Compliance Work unit that has been made based on the
inspection results of the Financial Services authority, with the fulfillment of commitment in December 2015 reached almost 100;
» The Company has delivered the financial and non-financial information transparently and periodically through the homepage
and printed media. 2. The negative factors of governance outcome aspect include:
• having regard to the penalty provided by the Financial Services
authority to the bank bjb, nominally the violation of the applicable provisions has not yet decreased
CORPORATE GOVERNANCE PERCEPTION INDEX CGPI
Corporate Governance Perception Index CGPI adalah riset dan
pemeringkatan penerapan Good Corporate Governance
GCG pada perusahaan-perusahaan di Indonesia melalui perancangan riset
yang mendorong perusahaan meningkatkan kualitas penerapan konsep
Corporate Governance CG dengan tujuan melakukan
perbaikan secara berkesinambungan continuous improvement serta melakukan evaluasi dan studi banding benchmarking. Program
riset dan pemeringkatan Corporate Governance Perception Index
CGPI telah diselenggarakan sejak tahun 2001 hingga sekarang merupakan upaya kontribusi Indonesia Institute For Corporate
Governance IICG dalam mendorong praktik GCG di Indonesia.
Indonesia Institute For Corporate Governance IICG merupakan
lembaga independen yang melaksanakan kajian, pengembangan, pendidikan, pelatihan dan pemasyarakatan implementasi tata-
kelola korporasi yang bertujuan untuk menyebarluaskan konsep, praktik, dan manfaat GCG demi terciptanya dunia usaha yang
terpercaya dan berkelanjutan.
Manfaat program riset dan pemeringkatan CGPI antara lain: 1. Memotivasi perusahaan dalam menerapkan GCG.
2. Memperbaiki faktor internal perusahaan yang belum memadai guna meningkatkan kualitas penerapan GCG.
3. Memetakan masalah strategis perusahaan guna meningkatkan kualitas penerapan GCG.
4. Meningkatkan kesadaran stakeholders terhadap urgensi dan manfaat GCG.
5. Meningkatkan kepercayaan investor dan publik terhadap perusahaan.
PENINGKATAN KUALITAS GOOD CORPORATE GOVERNANCE SECARA BERKELANJUTAN
conTinouS gooD coRPoRaTe goveRnance QualiTy iMPRoveMenT
CORPORATE GOVERNANCE PERCEPTION INDEX CGPI
Corporate Governance Perception Index CGPI is a research and rating for Good Corporate Governance GCG implementation on
companies in Indonesia through a research design encouraging companies to improve the implementation quality of Corporate
Governance CG concept with the purpose of continuous improvement, to evaluate, and benchmarking. The research
and rating program of Corporate Governance Perception Index CGPI that has been done since 2001 until now is a contribution
effort of Indonesia Institute For Corporate Governance IICG in encouraging GCG practice in Indonesia. Indonesia Institute
For Corporate Governance IICG is an independent institution that conducts review, development, education, training, and
dissemination of corporate governance implementation with the purpose to wide spread GCG concept, practice, and benefit
in order to create trustworthy and sustainable business world.
Benefit of CGPI research and rating program, among others, are: 1. To motivate companies in implementing GCG.
2. To improve companies’ internal factors that are not yet sufficient to improve GCG implementation quality.
3. To map companies’ strategic problems in order to increase GCG implementation quality.
4. To increase stakeholders’ awareness on the urgency and benefit of GCG.
5. To increase investors and public trust to the company.
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REKOMENDASI ASSESSMENT GCG TAHUN BUKU 2015 DAN TINDAKLANJUTNYA
Beberapa kelemahan pelaksanaan good corporate governance yang berhasil di identifikasi dari proses assessment GCG
selanjutnya direkomendasikan untuk ditindaklanjuti guna peningkatan kualitas implementasi GCG kedepannya.
Beberapa kelemahan yang direkomendasikan untuk dilakukan tindakan perbaikan adalah sebagai berikut:
reKOmenDasi recOmmenDaTiOn
TinDaK lanjUT fOllOW UP
perseroan agar komitmen atas temuan otoritas Jasa Keuangan yang proses penyelesaiannya memerlukan waktu lebih lama sehingga pemenuhan
komitmen tersebut harus dilakukan penjadwalan ulang. regarding the findings by Financial Services authority that need longer time to
settle the corrective actions, the Company shall commit fully to these and shall reschedule.
Seluruh komitmen telah ditindaklanjuti oleh unit kerja terkait sesuai dengan batas waktu penjadwalan ulang yang telah ditetapkan
all commitments that have been followed-up by the relevant work unit are in accordance with the rescheduled time limit set.
GCG RECOMMENDATION, ASSESSMENT OF 2015 AND ITS FOLLOW UP
Some of the weaknesses of good corporate governance implementation that were managed to be identified from
the GCG assessment process are further recommended to be followed up to improve the quality of GCG implementation
in the future.
Some of the weaknesses that were recommended for corrective action are as follows:
PENINGKATAN KUALITAS GOOD CORPORATE GOVERNANCE SECARA BERKELANJUTAN
conTinouS gooD coRPoRaTe goveRnance QualiTy iMPRoveMenT
