LAPORAN TAHUNAN 2014
15
ANNUAL REPORT
setiap 6 bulan sekali dalam rangka memantau dan melakukan pencegahan risiko kejadian
fraud. Laporan enam bulanan anti fraud bank telah
disampaikan ke Bank Indonesia secara tepat waktu.
Unit Manajemen Risiko juga telah mengadopsi model perhitungan Pendapatan
Bunga Bersih NII dan model Nilai Modal Ekonomis EVE dari kantor regional Hong
Kong guna memonitor risiko suku bunga sehubungan dengan risiko pasar. Unit
Manajemen Risiko juga telah melakukan stress testing untuk risiko pasar, risiko
liquidity dan risiko foreign exchange serta melakukan verifikasi terhadap kertas kerja
laporan bulanan risiko operasional dan disamping itu juga memonitor posisi harian
dan limit-limit serta membuat laporan bulanan analisa kredit portfolio.
Bank telah memenuhi kewajiban Sertifikasi Manajemen Risiko bagi Manajer dan staff
sesuai regulasi yang berlaku.
1.5 Prinsip Kehati-hatian dalam Pemberian Kredit kepada Pihak-Terkait dan Grup
Debitur Besar.
Bank tidak diperbolehkan masuk ke dalam suatu kondisi atau perjanjian dimana bank
diharuskan memberikan dana yang melanggar BMPK Batas Minimum Pemberian Kredit
dan batas pemberian fasilitas kredit. Berdasarkan Peraturan Bank Indonesia
pemberian kredit kepada pihak-terkait dan atau kelompok debitur besar masing-masing
tidak boleh melebihi 10 dan 25 dari modal bank. Tidak ada pelanggaran BMPK kepada
kelompok debitur besar dan pihak-terkait. Semua keputusan pemberian kredit harus
disetujui oleh komite kredit yang para anggotanya akan memeriksa dan memberi
komentar atas masalah yang ada di aplikasi kredit.
Bank telah mengkinikan internal limit guna memonitor terjadinya pelampauan BMPK.
Selama penilaian aplikasi kredit, account officer harus memeriksa latar belakang profil
perusahaan dan manajemennya, dan juga informasi yang relevan menurut faktor-faktor
yang diperhitungkan mengenai pihak-terkait dan grup debitur.
annually basis for monitoring and conduct fraud prevention.
This semi annually bank’s anti fraud report has been timely submitted to Bank Indonesia.
Risk management unit has adopted the Net Interest Income NII and Economic Value of
Equity EVE models from Hong Kong regional office for monitoring interest rate risk relating
to market risk. RMU has also performed general stress stesting for market risk, liquidity
risk and foreign exchange risk as well as verification to monthly operational risk self
assessment report, besides monitoring daily position and limit as well as providing monthly
portfolio credit analysis.
Bank has complied with Risk Management Certification for Managers and officers as
required by regulation.
1.5 Prudential principles in fund provision to Related-parties and in Large-exposures.
The bank is prohibited to enter into condition or agreement that obligate bank to provide fund,
which will violate the LLL and credit facility limit granted.
Fund provision to Related- party and or in Large- exposures are in accordance with Bank
Indonesia regulation, which the Legal Lending Limit for related-party and in large exposure not
exceeded 10 and 25 , respectively of the bank capital. There was no breach on the Legal
Lending Limit for large exposures and Related- party.
Any credit decision made must be approved by Loan committee meeting and member of Loan
committee will review and comment on the credit application on certain issues.
Bank has updated the internal limit for monitoring the LLL impelemtation.
During the credit application assessment, account officer must check on the back- ground
of the company profile and management, as well as relevant information according to
factors counted as related party and or group borrower.
