Risiko Kredit Annual Report 2015 AR BJB 2015 LR

285 bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a

1. Kecukupan Proses identif ikasi, Pengukuran, Pemantauan, dan Pengendalian Risiko, serta

sistem inf ormasi Manajemen Risiko Dalam analisa kr edit , bank t elah mener apkan pr oses ident if ikasi at as pot ensi r isiko yang melekat . Pr oses ident if ikasi t er sebut menjadi lebih opt imal dengan dibent uknya Divisi yang khusus melaksanakan r eview dan analisa lanjut an at as pot ensi r isiko yang melekat pada pr oses pengajuan f asilit as kr edit . Sebagai bent uk ident if ikasi at as r isiko kr edit , bank bjb t elah mengembangkan adanya kajian independen yang ber isi analisa at as per kembangan por t of olio kr edit , Non Per f or ming Loan NPL, Cr edit Cost ser t a pr ediksi per kembangan kualit as kr edit dengan memper t imbangkan kesiapan inf r ast r ukt ur pendukungnya. Dalam melakukan pengukur an r isiko, bank bjb mengembangkan model r isiko kr edit melalui penggunaan Int er nal Cr edit Risk Rat ing ICRR dan Int er nal Cr edit Risk Scor ing ICRS pada set iap pengajuan kr edit . Adapun r at ing dan scor ing yang dimiliki oleh bank bjb meliput i: • Pemer ingkat an Kr edit Non Rit el: - Rat ing Kor por asi Konst r uksi - Rat ing Kor por asi - Rat ing SME Konst r uksi - Rat ing SME • Pemer ingkat an Kr edit Rit el - Scor ing Kr edit Mikr o Ut ama • Pemer ingkat an Kr edit Konsumt if - Scor ing Kr edit Guna Bakt i - Scor ing Kr edit Pemilikan Rumah

1. Adequacy of Risk Identif ication, Measurement, Monitoring, and Risk Control, as well as Risk

Management Inf ormation System In t he analysis of cr edit , t he bank has implement ed a pr ocess of ident if ying inher ent pot ent ial r isks. The ident if icat ion pr ocess becomes mor e opt imal wit h t he est ablishment of a Division which is specif ically assigned t o conduct r eviews and f ur t her analysis of t he inher ent pot ent ial r isks in t he pr ocess of loan f acilit y applicat ion. As a f or m of cr edit r isk ident if icat ion, bank bjb has developed a non per f or ming loans r epor t ing mechanism which is per f or med by t he Br anch Of f ice on a r egular basis. The r epor t s ar e addr essed t o t he Risk Management Division t o be used as input in t he pr epar at ion of t he Risk Management st r at egy. In conduct ing r isk measur ement s, bank bjb develops cr edit r isk models t hr ough t he ut ilizat ion of t he Int er nal Cr edit Risk Rat ing ICRR and Int er nal Cr edit Risk Scor ing ICRS in any loan applicat ion. The r at ing and scor ing owned by bank bjb include: • Non Ret ail Cr edit Rat ing: Const r uct ion Cor por at e Rat ing - Cor por at e Rat ing - Cont r uct ion SME Rat ing - SME Rat ing • Ret ail Cr edit Rat ing - Kr edit Mikr o Ut ama Scor ing - Kr edit Usaha Rakyat Scor ing • Consumpt ive Cr edit Rat ing - Guna Bakt i Loan Scor ing - Housing Loan Scor ing