17.85 FA AR BJB 2016 lowress

annual report 2016 727 Growing Together with new expanding opportunities Dalam rangka optimalisasi pengendalian intern, maka Perseroan juga telah melakukan pemisahan fungsi yang jelas antara unit bisnis dan unit yang melaksanakan pengendalian sehingga bank telah menerapkan segregation of duty dan dual control dalam melakukan keputusan kredit. Pengendalian intern untuk manajemen risiko kredit juga mencakup pengawasan oleh Dewan Komisaris dan Direksi secara berkala melalui pelaporan yang disampaikan oleh Divisi Manajemen Risiko maupun pelaksanaan Risk Management Committee RMC yang beranggotakan Direksi serta pejabat eksekutif terkait. Adapun pelaksanaan rapat Komite Pemantau Risiko KPR telah dilaksanakan secara berkala yang ditujukan untuk memantau perkembangan eksposur risiko kredit sesuai dengan perkembangan terkini. PenGUnGKaPan KUanTiTaTif risiKO KreDiT Laporan Audited Dari Divisi Pengendalian Keuangan a. Pengungkapan Tagihan Bersih Berdasarkan Wilayah – Bank Secara Individual dalam juta Rupiah | in million Rupiah no Kategori Portofolio Portfolio category 31-Des-16 | 31-Dec-16 Tagihan bersih berdasarkan Wilayah | net claims by region Wilayah 1 region 1 Wilayah 2 region 2 Wilayah 3 region 3 Wilayah 4 region 4 TOTal 1 Tagihan Kepada pemerintah Claim to the Government 21,552,813 994,811 - - - 2 Tagihan Kepada entitas Sektor publik Claim to public Sector entity 621,904 - 6,581 - - 3 Tagihan Kepada - Bank pembangunan Multilateral dan Lembaga Internasional Claim to - Multilateral Development Banks and International Institutions - - - - - 4 Tagihan Kepada Bank Claim to Bank 2,677,456 80,885 45,832 43,695 235,219 5 Kredit Beragun rumah Tinggal residential Mortgage-backed Loan 1,432,872 1,338,777 650,759 636,296 405,493 6 Kredit Beragun properti Komersial Commercial property-backed Loan 7 Kredit pegawai atau pensiunan employee or retirement Loan 14,871,986 8,068,639 12,441,977 7,380,355 1,867,220 8 Tagihan Kepada usaha Mikro, usaha Kecil, dan portofolio ritel Claims for Micro, Small Business, and retail portfolio 1,523,058 1,827,157 1,434,559 1,309,758 660,160 9 Tagihan Kepada Korporasi Claim to Corporate 2,633,402 3,779,477 69,024 98,801 446,847 10 Tagihan Yang Telah Jatuh Tempo Claim Due - - - - - 11 aset Lainnya other assets 4,461,293 - - - - 12 eksposur di unit Syariah exposure in Sharia units - - - - - Total 49,774,784 16,089,746 14,648,732 9,468,905 3,614,939 PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO DisClosuRe of Risk eXPosuRe anD Risk managemenT imPlemenTaTion In order to optimalize the internal control, the Company has also made a clear function separation in several business units and the units that conduct the internal control so that the bank has applied segregation of duty and dual control in their credit decision process. Internal control for credit risk management also includes periodical monitoring by the Board of Commissioners and Directors through the report submitted by Risk Management Division or through the implementation of Risk Management Committee RMC which includes the Board of Directors and related executive officers. As for the Risk Monitoring Committee KPR, it has been periodically implemented with the intention to monitor the development of credit risk exposure according to the current development. QUanTiTaTe DisclOsUre Of lOan risKs Audited Report from Financial Control Division a. Net Claims Disclosure by Region – Bank Individually