active Supervision of Board of Commissioners and Board of Directors.

TaTa KELoLa pErUSaHaan Fungsi yang menjalankan pengawasan dalam pengendalian internal diantaranya: - pengawasan melekat oleh Divisi Kontrol untuk pengawasan kepatuhan Bank terhadap ketentuan internal Bank. - pengawasan melekat oleh Divisi Kepatuhan untuk pengawasan kepatuhan Bank terhadap ketentuan eksternal Bank. - Divisi Manajemen Risiko melaksanakan kaji ulang secara berkala dengan frekuensi yang disesuaikan kebutuhan Bank, untuk memastikan: a. Kecukupan kerangka manajemen risiko. b. Keakuratan metodologi penilaian risiko. c. Kecukupan sistem informasi manajemen risiko. - Satuan Kerja Audit Intern SKAI: a. Melakukan kaji ulang penerapan manajemen risiko secara berkala. b. Melakukan pemeriksaan sampling secara periodik dan berdasarkan basis risiko. Kerangka dasar manajemen risiko tersebut di-review secara periodik dan jika diperlukan dapat direvisi sesuai dengan perkembangan kompleksitas usaha dan eksposur risiko Bank, ketentuan Bank Indonesia dan atau berdasarkan best practices terkini. penetapan Kebijakan dan prosedur pengelolaan risiko Secara umum kebijakan manajemen risiko perseroan diarahkan pada hal-hal yang akan mempengaruhi kondisi keuangan, peningkatan kualitas penerapan manajemen risiko Identiikasi, Pengukuran, Pemantauan, dan pengendalian, dan perluasanpendalaman kajiananalisa tinjauan risiko serta mitigasi risiko sebagai berikut: Faktor-Faktor risiko Bank akan memperhatikan beberapa faktor risiko yang dapat mempengaruhi dan berdampak langsung terhadap pendapatan dan permodalan Bank. Faktor-faktor utama risiko tersebut difokuskan antara lain: • Risiko Kredit; • Risiko pasar; • Risiko Likuiditas; • Risiko operasional dan teknologi Informasi tI; • Proil Risiko dan Portofolio; • Implementasi sistem core banking temenos t24; the function carrying out supervision in internal control include among others: - Inherent supervision conducted by Control Division to supervise Bank’s compliance related to the Bank’s internal rules. - Inherent supervision conducted by Compliance Division to supervise Bank’s compliance related to the Bank’s external rules. - Risk Management Division conducts review on regular basis with frequency adjusted to the Bank needs, to ensure: a. Adequacy of risk management framework. b. Accuracy of risk assessment methodology. c. Adequacy of risk management information system. - Internal Audit Unit SKAI a. Conduct review on risk management implementation on a periodic basis. b. Conduct sampling examination on regular basis and in accordance with risk basis. the risk management framework above is reviewed on a periodic basis and if necessary can be reviewed in accordance with the development of business complexities and Bank risk exposure, Bank Indonesian regulations andor based on the latest best practices in the industry. Determining policy and procedure for Managing risk In general the risk management of the Company is geared towards matters that will afect inancial condition, increase in quality of risk management implementation Identify, Measure, Monitor, and Control, and expandingdeepening the reviewanalysisoutlook of risk as well as risk mitigation. they are as follows: risk Factors The Bank will focus on several risk factors that can inluence and directly impact the revenue of capital of the Bank. the main risk factors in focus as are follows: • Credit Risk; • Market Risk; • Liquidity Risk; • Operational and Information Technology Risk; • Risk Proile and Portfolio; • Temenos Core Banking System Implementation T24; 2016 Annual Report BANK ARTHA GRAHA INTERNASIONAL 335