Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
352
bank bjb Lapor an Tahunan
20 15 Annual Repor t
mendukung, at au kelemahan per ikat an seper t i t idak dipenuhinya syar at sahnya kont r ak
dan pengikat an agunan yang t idak sempur na. Risiko hukum ant ar a
lain dapat ber sumber dar i pada oper asional, per janjian dengan pihak ket iga, ket idakpast ian
hukum dan kelalaian pener apan hukum, hambat an dalam pr oses lit igasi unt uk penyelesaian klaim, ser t a
masalah yur isdiksi ant ar negar a.
1. Pengawasan Aktif Dewan Komisaris dan Direksi
Par a pihak yang ber kepent ingan t er kait dengan r isiko hukum yait u Dewan Komisar is, Dir eksi
dan selur uh kar yawan bank, dimana par a pihak t er sebut ber t anggungjawab dalam pengelolaan
r isiko hukum. Dewan Komisar is dan Dir eksi memant au r isiko hukum ant ar a lain melalui
pelapor an r isiko hukum ser t a lapor an lainnya yang ber kait an dengan legal. Dalam pelaksanaan
pengelolaan r isiko hukum bank t elah memiliki unit ker ja khusus yang menangani per masalahan
di bidang hukum yang t er dir i dar i bagian lit igasi dan non lit igasi. Unit yang menjalankan f ungsi
pengelolaan t er sebut r isiko hukum t er sebut adalah Divisi Hukum yang ber ada dibawah
Dir ekt or at Oper asional dan t elah t er pisah dar i f ungsi pengelolaan r isiko kepat uhan.
2. Kecukupan Kebijakan, Prosedur dan Penetapan Limit
Bank t elah memiliki kebijakan ser t a pedoman Manajemen r isiko hukum yang secar a ber kala
dilakukan pembahar uan dan evaluasi at as kebijakan dan pedoman manajemen r isiko bank
t er sebut . Selain it u bank juga t elah memiliki kebijakan dan pr osedur dalam pengelolaan di
bidang hukum unt uk memast ikan bahwa akt ivit as bank t elah sesuai dengan ket ent uan per undang-
undangan ser t a per at ur an lainnya yang ber laku, sehingga bank dapat t er hindar dar i r isiko hukum.
Selain it u bank t elah memiliki st andar disasi dokumen hukum bagi pr oduk dan layanan bank
yang dilakukan r eview secar a ber kala sesuai dengan per kembangan bisnis bank. Bank juga
melakukan kajian r isiko hukum unt uk set iap pr oduk dan akt ivit as bar u sebagai langkah unt uk
memit igasi r isiko hukum.
3. Kecukupan Proses Identif ikasi, Pengukuran, Pemantauan, dan Pengendalian Risiko, serta
Sistem Inf ormasi Manajemen Risiko
Dalam kecukupan pr oses pener apan manajemen r isiko, bank melakukan ident if ikasi, pengukur an,
weaknesses such as non-compliance wit h t he t er ms of t he cont r act ’s validit y and imper f ect collat er al
cont r act . Legal r isks can be der ived f r om, among ot her s, t he oper at ion, t he agr eement wit h t he t hir d
par t y, legal uncer t aint ies and t he negligence in t he applicat ion of t he law, t he obst acles in t he lit igat ion
pr ocess f or t he set t lement of claims, as well as jur isdict ional issues bet ween count r ies.
1. Active Supervision by the Board of
Commissioners and the Board of Directors
St akeholder s associat ed wit h t he legal r isk ar e t he Boar d of Commissioner s, Dir ect or s and all
employees of t he bank, wher e t he par t ies ar e r esponsible f or t he management of legal r isk.
The Boar d of Commissioner s and t he Boar d of Dir ect or s monit or s t he legal r isks, among ot her s,
t hr ough t he legal r isk r epor t ing and ot her r epor t s r elat ing t o legal. In t he implement at ion of legal
r isk management , t he bank has a special unit t hat handles legal issues which consist s of lit igat ion
and non-lit igat ion division. The unit s per f or ming t he legal r isk management f unct ion is t he Legal
Division which is under t he Dir ect or at e of Oper at ions and has been separ at ed f r om t he
compliance r isk management f unct ions.
2. Adequacy of Policy, Procedure, and
Establishment of Limit
The bank has a legal r isk management policy and guidelines t hat ar e updat ed and evaluat ed
r egular ly on t he bank’s r isk management policies and guidelines. In addit ion, t he bank also has ot her
policies r elat ed t o t he management of legal r isk t o ensur e t hat t he bank’s act ivit ies have been in
accor dance wit h t he pr ovisions of t he r egulat ions as well as ot her applicable legislat ions, t her ef or e
t he bank will be able t o avoid legal r isks. In addit ion, t he bank has had a st andar dized
legal document s f or pr oduct s and ser vices of t he bank which ar e r eviewed on a r egular
basis in accor dance wit h t he bank’s business development . The bank also per f or m legal
r isk assessment s f or each new pr oduct s and act ivit ies as a measur e t o mit igat e t he legal r isk.
3. Adequacy in the Process of Identif ication, Measurement, Monitoring, and Risk Control as
well as Risk Management Inf ormation System
In t er ms of t he adequacy of r isk management implement at ion pr ocess, t he bank conduct s
