Risiko Operasional Operational Risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Operasional lanjutan Operational Risks continued

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 139 41. MANAJEMEN RISIKO lanjutan 41. RISK MANAGEMENT continued III. Profil Risiko lanjutan III. Risk Profile continued 3. Risiko Likuiditas lanjutan 3. Liquidity Risk continued 31 Desember 2012 December 31, 2012 Jumlah Total Kurang dari 1 bulan less than 1 month 1 bulan sd 3 bulan 1 month until 3 months 3 bulan sd 1 tahun 3 months until 1 year 1 tahun sd 2 tahun 1 year until 2 years 2 tahun sd 5 tahun 2 years until 5 years Lebih dari 5 tahun More than 5 years Aset Assets Kas 232.428 232.428 - - - - - Cash Giro pada Bank Indonesia 1.448.689 1.448.689 - - - - - Current account with Bank Indonesia Giro pada bank lain 530.645 530.645 - - - - - Current accounts with other banks Penempatan pada Bank Indonesia dan bank lain 437.722 414.965 - - - - 22.757 Placements with Bank Indonesia and other banks Surat-surat berharga 1.601.011 - - 1.275.953 - 45.000 280.058 Marketable securities Pendapatan bunga yang masih akan diterima 77.706 77.706 - - - - - Accrued interest receivables Kredit yang diberikan 15.212.135 828.252 1.375.065 4.141.171 1.343.947 4.782.510 2.741.190 Loans Tagihan akseptasi 115.945 30.721 62.806 22.418 - - Acceptance receivables Penyertaan saham 137 - - - - - 137 Investment in share of stock Aset lain-lain: Other assets: Setoran jaminan 5.544 5.544 - - - - - Guarantee deposits Jumlah 19.661.962 3.568.950 1.437.871 5.439.542 1.343.947 4.827.510 3.044.142 Total Liabilitas Liabilities Liabilitas segera 67.753 67.753 - - - - - Obligations due Immediately Simpanan nasabah 17.399.114 14.800.849 1.949.384 648.881 - - - Deposits from Customers Simpanan dari bank lain 52.309 52.309 - - - - - Deposits from other banks Liabilitas akseptasi 115.945 30.721 62.806 22.418 - - - Acceptance liabiilities Pinjaman diterima 4.410 - - 1.102 2.205 1.103 - Borrowings Pinjaman subordinasi 713.687 - - 101.955 101.955 305.867 203.910 Subordinate loan Bunga masih harus dibayar 47.729 47.729 - - - - - Accrued interest payables Liabilitas lain-lain: Other liabilites: Setoran jaminan 7.311 7.311 - - - - - Guarantee deposits Jumlah 18.408.258 15.006.672 2.012.190 774.356 104.160 306.970 203.910 Total Aset Liabilitas Neto 1.253.704 11.437.722 574.319 4.665.186 1.239.787 4.520.540 2.840.232 Net Assets Liabilities Selanjutnya, Bank juga telah melakukan stress testing dalam beberapa analisa skenario dengan perkiraan kondisi terburuk yang mungkin terjadi dan analisa Contingency Funding Plan secara periodik. Furthermore, the Bank has conducted stress testing in some scenario analysis by estimating of the worst case scenario and analysis of Contingency Funding Plan periodically. Pemantauan harian maupun secara periodik terhadap transaksi-transaksi yang berkaitan dengan risiko likuiditas telah dilakukan Bank secara konsisten untuk terwujudnya tata kelola perusahaan yang baik. Daily or periodically monitoring of the transactions relating to the Bank‟s liquidity risk has been performed consistently to establish good corporate governance. 4. Risiko Operasional 4. Operational Risks Risiko operasional adalah risiko akibat ketidakcukupan danatau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, danatau adanya kejadian-kejadian eksternal yang mempengaruhi operasional Bank. Operational risk is the risk due to inadequate andor failed internal processes, human error, system failure, andor the existence of external events affecting the Bank‟s operations. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 140 41. MANAJEMEN RISIKO lanjutan 41. RISK MANAGEMENT continued III. Profil Risiko lanjutan III. Risk Profile continued 4. Risiko Operasional lanjutan 4. Operational Risks continued Bank menerapkan manajemen risiko operasional dengan sasaran memastikan bahwa Bank telah melakukan proses manajemen risiko yang meliputi risk identification, risk assesment, risk evaluation, risk mitigation serta dilakukan monitoring dan reporting atas pelaksanaannya. Hal tersebut dilakukan dengan tujuan akhir memaksimalkan benefit dari suatu produklayanan atau proses transaksiaktivitas dengan potensi risiko operasional yang telah diperhitungkan. The Bank implements operational risk management with the goal of ensuring that Bank has performed a risk management process that includes risk identification, risk assessment, risk evaluation, risk mitigation, and monitoring and reporting on the implementation. It is done with the ultimate goal to maximize the benefits of a productservice or transaction activity process with the potential operational risks that have been reckoned. Pencatatan data kerugian dan potensi kerugian berperan penting dalam pengelolaan dan kalkulasi risiko operasional. Bank telah melakukan pengelolaan pencatatan data kerugian dan potensi kerugian yang terjadi pada Satuan Kerja Operasional Risk Taking Unit secara periodik melalui aplikasi Tools Loss Event TLE dan Potential Loss Event PLE yang telah diimplementasikan secara online di seluruh cabang. Recording of data loss and potential loss plays an important role in the operational risk management and calculation. The Bank has conducted data loss records management and the potential loss that occurred in the Unit Operations Risk Taking Unit periodically through Tools Loss Event TLE and Potential Loss Event PLE applications, which have been implemented online in all branches. Pengelolaan data kerugian tersebut sebagai salah satu data input dalam penilaian parameter Profil Risiko Operasional yang dipetakan sesuai frekuensi kejadian dan dampaknya. Management of data loss is one of the input data in the assessment of Operational Risk Profile parameters which is mapped in accordance to its frequency of occurrence and impact. Pemantauan terhadap perkembangan Profil Risiko Operasional dilakukan melalui identifikasi faktor-faktor penyebab kerugian operasional yang terjadi dan memberikan rekomendasi kepada Satuan Kerja Operasional Risk Taking Unit terkait dalam memitigasi kejadian risiko tersebut di masa mendatang. Monitoring the development of Operational Risk Profile through the identification of the causal factors operating losses incurred and provide recommendations to the Task Force Operations Risk Taking Units relating to mitigate risk events in the future. Pengawasan oleh Direksi dan Komisaris Bank atas Profil Risiko Operasional dan pelaksanaan manajemen risiko dilakukan melalui rapat Komite Manajemen Risiko dan Komite Pemantau Risiko yang dilakukan secara berkala sesuai dengan kebutuhan Bank. Supervision by the Banks Boards of Directors and Commissioners on the Operatinal Risk Profile and risk management is conducted through Risk Management Committee and Risk Monitoring Committee meetings that are conducted periodically based on the Bank‟s needs . PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 141 41. MANAJEMEN RISIKO lanjutan 41. RISK MANAGEMENT continued