BOOK 2 Bank Indonesia Regulation No. 1426PBI2012 on Operations and

PT Bank Mandiri Persero Tbk. 1. Its policies, procedures, and relevant internal monitoring; 2. Establishment of limits and responsibilities associated with the implementation of work units of APU and PPT programs; and 3. Inspection conducted to ensure efective implementation of APU and PPT program by the internal audit unit. E. MANAGEMENT INFORMATION SYSTEM The Bank is required to have an information system that can identify, analyze, monitor and report efectively on the characteristics of transactions performed by the Bank’s Customers. The information system should be able for the Bank to trace each transaction individual transaction if necessary, both for internal or Bank Indonesia purposes and, as well as in relation to judicial proceedings. In addition, the Bank is required to have and maintain Customer Identiication Single File, which is the customer proile data that includes all accounts held by a customer at a Bank, among others, savings, deposits, current accounts and credit, as well as having and maintaining a WIC proile. F. HUMAN RESOURCES AND TRAINING To prevent the use of the Bank as a medium or purpose of money laundering or inancing of terrorism involving the internal Bank, the Bank is required to have: 1. The screening procedure for the admission of new employees pre employee screening; and 2. The introduction and monitoring of employee proiles. Use of banking services as a medium for money laundering and terrorism inancing may possibly involve the employees of the Bank itself. Thus to prevent or detect the occurrence of money laundering conducted through banking institutions, it is important to implement Know Your Employee KYE, including through pre employee screening procedures, introduction and monitoring that includes character proiles, behaviors and lifestyles of employees. The Bank is required to conduct continuous training on: 1. Implementation of legislation relating to APU and PPT programs; 2. Techniques, methods, and typologies of money laundering or terrorist inancing; and 3. Policies and procedures for implementation of APU and PPT programs and employee roles and responsibilities in combating money laundering or terrorism inancing. G. PPT APU AND APPLICATION PROGRAM FOR BRANCH OFFICE INCORPORATED IN INDONESIA LOCATED ABROAD In this case the following provisions shall apply: 1. Banks incorporated in Indonesia must implement the policies and procedures of APU and PPT programs to the entire network of oices and subsidiaries abroad, and monitor their implementation. 2. In the case of the country where the Bank has oices, the APU and PPT regulations are more stringent, and then the oice of the Bank shall be subjected to the provisions issued by the authorities of such countries. 3. If the oice of the country where the Bank has not complied with the FATF recommendations or already comply with standards but APU and PPT Program is held over, the oice of the Bank shall implement APU and PPT Program as stipulated in Bank Indonesia Regulation. 4. In the case of APU and PPT Program application resulted in violation of the statutory provisions in force in the country where the oice of the Bank is, the oicers of the foreign bank shall inform the head oice of the Bank and Bank Indonesia.