komite remunerasi dan nominasi

Growing Together in Harmony Pedoman dan Tata Tertib kerja direksi Direksi telah memiliki Pedoman dan Tata Tertib Kerja yang diatur dalam Pedoman Kebijakan Perusahaan Nomor 0007.01.1 tanggal 20 Januari 2010. Pedoman dan Tata Tertib Kerja Direksi mengatur etika kerja, waktu kerja, serta pelaksanaan rapat. Segala keputusan yang diambil sesuai dengan Pedoman dan Tata Tertib Kerja mengikat dan menjadi tanggung jawab seluruh anggota Direksi. Pedoman dan Tata Tertib Kerja Direksi disusun berdasarkan peraturan yang berlaku khususnya peraturan mengenai Good Corporate Governance, dan akan ditinjau ulang secara berkala. komite yang bertanggung jawab kepada direksi Direksi dibantu oleh Komite yang bertugas memberi saran dan rekomendasi terkait dengan kebijakan dan pengelolaan Bank. Komposisi keanggotaan komite disusun sesuai dengan kompleksitas tugas dan tanggung jawab komite. Rekomendasi dari masing-masing komite dijadikan acuan oleh Direksi dalam mengambil keputusan. Komite-komite tersebut adalah: 1. Komite Kredit 2. Komite Aset-Kewajiban ALCO 3. Komite Manajemen Risiko 4. Komite Pengarah Teknologi Informasi

1. komite kredit

Komite Kredit dibentuk untuk membantu Direksi dalam menetapkan arah kebijakan perkreditan Bank Artha Graha Internasional sekaligus mengevaluasi danatau memberikan keputusan kredit sesuai dengan batas wewenang yang ditetapkan Direksi dengan memperhatikan pengembangan bisnis tanpa meninggalkan prinsip kehati-hatian.

2. komite Aset-kewajiban AlCo

Komite Aset-Kewajiban berfungsi antara lain untuk menetapkan kebijakan dan strategi pengelolaan likuiditas untuk memenuhi kebutuhan likuiditas Bank dan meminimalisasi idle funds. Komite Aset-Kewajiban menetapkan kebijakan dan strategi yang berkaitan dengan risiko pasar, strategi harga, strategi dalam pengelolaan portofolio investasi, dan strategi penataan struktur neraca melalui antisipasi perubahan suku bunga, sehingga dapat dicapai tingkat net interest margin yang optimum. Guidelines and Work Procedure of the Board of Directors The Board of Directors has the Guidelines and Work Procedure speciied in the Guidelines of Company Policy No. 0007.01.1 dated 20 January 2010. The Guidelines and Work Procedure of the Board of Directors provide for work ethics, work hours, and meeting arrangement. Any decision taken pursuant the Guidelines and Work Procedure is binding and for the responsibility of all members of the Board of Directors. The Guidelines and Work Procedure are prepared under the effective regulation, particularly the regulation on Good Corporate Governance, and reviewed on periodic basis. Committees responsible to the Board of Directors The Board of Directors is assisted by committees having the duty to provide advice and recommendation related to the Bank’s policy and management. Composition of committee’s membership is prepared according to the complexity of its task and responsibility. Recommendation from the respective committee is for reference to the Board of Directors in making decision. The committees are as follows: 1. Credit Committee 2. Assets-Liabilities Committee ALCO 3. Risk Management Committee 4. Information Technology Steering Committee

1. Credit Committee

Credit Committee is established to assist the Board of Directors in determining the direction of credit policy of Bank Artha Graha Internasional, at the same time evaluating andor making credit decision pursuant to the authority limit as determined by the Board of Directors, in observance of the business development without prejudice to prudential principles.

2. Assets-Liabilities Committee ALCO

Assets-Liabilities Committee has the function, among others, to determine the policy and strategy of liquidity management in order to meet the Bank’s liquidity requirement and to minimize any idle funds. Assets-Liabilities Committee determines the policy and strategy related to market risk, price strategy, and the strategy in managing investment portfolio and the strategy in structuring balance in anticipation of interest rate changes, in order to achieve the maximum level of net interest margin.