Market Risk continued Risiko Nilai Tukar lanjutan
4. Operational Risk continued
Bank menerapkan manajemen risiko operasional dengan sasaran memastikan bahwa Bank telah melakukan proses manajemen risiko yang meliputi identifikasi risiko, penilaian risiko, evaluasi risiko, mitigasi risiko serta dilakukan pemantauan dan pelaporan atas pelaksanaannya. Hal tersebut dilakukan dengan tujuan akhir memaksimalkan manfaat dari suatu produklayanan atau proses transaksiaktivitas dengan potensi risiko operasional yang telah diperhitungkan. The Bank implements operational risk management with the objective to ensure 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 perform with the ultimate goal to maximize the benefits of a productservice or transactionactivity process with the potential operational risks that have been calculate. 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 Operations Unit 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 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 Risk Taking Units relating to mitigate risk events in the future. Pengawasan oleh Dewan Komisaris dan Direksi 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. Monitoring by the B ank‟s Boards of Commissioners and Directors on the Operational 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 2015 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, 2015 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 143 40. MANAJEMEN RISIKO lanjutan 40. RISK MANAGEMENT continuedParts
» Annual Report Bank Artha Graha 2015 final lowres
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» Edukasi menabung dalam rangka meningkatkan literasi keuangan
» Adequacy process of identification, measurement, monitoring and control of risk management
» Sistem pengendalian intern yang menyeluruh
» Overall internal control system
» Manajemen Risiko Kredit Credit Risk Management
» Manajemen Risiko Pasar dan Risiko Likuiditas
» Manajemen Risiko Operasional Annual Report Bank Artha Graha 2015 final lowres
» Operation Risk Management Annual Report Bank Artha Graha 2015 final lowres
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» Market Risk Annual Report Bank Artha Graha 2015 final lowres
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» UMUM lanjutan GENERAL continued
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» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI SIGNIFIKAN OLEH MANAJEMEN
» USE OF Annual Report Bank Artha Graha 2015 final lowres
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI USE
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI
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» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI USE OF SIGNIFICANT JUDGMENTS, ESTIMATES AND
» KAS CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» SURAT-SURAT BERHARGA MARKETABLE SECURITIES
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» MARKETABLE SECURITIES continued Annual Report Bank Artha Graha 2015 final lowres
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLES AND PAYABLES
» TAGIHAN DAN LIABILITAS DERIVATIF lanjutan
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» ACCRUED INTEREST RECEIVABLES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» TAGIHAN DAN LIABILITAS AKSEPTASI ACCEPTANCE RECEIVABLES AND PAYABLES
» TAGIHAN DAN Annual Report Bank Artha Graha 2015 final lowres
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
» AGUNAN YANG DIAMBIL ALIH DAN ASET LAIN- LAIN
» FORECLOSED ASSETS AND OTHER ASSETS Agunan Yang Diambil Alih
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH CUSTOMER DEPOSITS
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLES
» BEBAN Annual Report Bank Artha Graha 2015 final lowres
» LIABILITAS IMBALAN PASCA KERJA POST-EMPLOYMENT BENEFITS LIABILITY
» LIABILITAS IMBALAN PASCA KERJA lanjutan POST-EMPLOYMENT BENEFITS LIABILITY
» LIABILITAS IMBALAN PASCA KERJA lanjutan POST-EMPLOYMENT
» PINJAMAN SUBORDINASI SUBORDINATED LOAN
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL
» PENDAPATAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
» BEBAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
» INTEREST EXPENSES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BEBAN TENAGA KERJA Annual Report Bank Artha Graha 2015 final lowres
» PERSONNEL EXPENSES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BEBAN OPERASI OPERATIONAL EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
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» BEBAN NON OPERASIONAL - NETO
» NON-OPERATING EXPENSES – NET PERPAJAKAN TAXATION
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» TAXATION continued a. Pajak Dibayar di Muka lanjutan
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» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» INFORMASI MENGENAI Annual Report Bank Artha Graha 2015 final lowres
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI lanjutan
» INFORMATION ABOUT TRANSACTIONS AND BALANCES WITH RELATED PARTIES continued
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI
» INFORMATION ABOUT TRANSACTIONS AND BALANCES
» INFORMASI MENGENAI TRANSAKSI DAN
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
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» INFORMASI SEGMEN USAHA OPERATING SEGMENT INFORMATION
» “Operating Segments”. Annual Report Bank Artha Graha 2015 final lowres
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» INFORMASI SEGMEN USAHA lanjutan OPERATING MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued
» Credit Risk continued Evaluasi penurunan nilai lanjutan
» Credit Risk continued Evaluasi penurunan nilai lanjutan Risiko Pasar
» Market Risk continued Risiko Suku Bunga
» Market Risk continued Risiko Suku Bunga lanjutan
» Market Risk continued Risiko Nilai Tukar
» Market Risk continued Risiko Nilai Tukar lanjutan
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
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» Risiko Operasional Operational Risk
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» Risiko Reputasi Reputation Risk
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» Legal Risk Annual Report Bank Artha Graha 2015 final lowres
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» Risiko Kepatuhan Compliance Risk
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» Risiko Stratejik Strategic Risk
» NILAI WAJAR INSTRUMEN KEUANGAN FAIR VALUE OF FINANCIAL INSTRUMENTS
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» MANAJEMEN MODAL CAPITAL MANAGEMENT
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» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET
» EARNING ASSETS RATIO OF TOTAL ASSETS
» INFORMASI PENTING LAINNYA Annual Report Bank Artha Graha 2015 final lowres
» OTHER IMPORTANT INFORMATION Annual Report Bank Artha Graha 2015 final lowres
» KUASI REORGANISASI QUASI REORGANIZATION
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