Audit Committee Meeting Review and Monitor

St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 433 evaluasi Komit e Audit , kant or akunt an publik t elah melaksanakan sesuai dengan St andar Audit ing yang dit et apkan Ikat an Akunt an Publik Indonesia. Dalam pelaksanaan ini, juga mengikut i r apat exit meet ing at as pemer iksaan lapor an ker ja t ahun 20 14 oleh kant or akunt an publik. 6 Monit or ing t indak lanjut 6.1. Pemant uan Tindak Lanjut Audit ee at as Hasil Audit Int er nal Komit e Audit melakukan pemant auan t indak lanjut at as t emuan-t emuan DAI. Komit e Audit melakukan per t emuan-per t emuan dengan DAI dalam r angka membahas t emuan dan t indak lanjut t emuan DAI. Komit e Audit juga menjaga jalur komunikasi langsung dengan DAI, baik yang t er jadwal dalam r apat r ut in maupun diluar jadwal r apat . 6.2. Pemant uan Tindak Lanjut at as Hasil Audit Ekst er nal Komit e Audit melakukan pemant auan t indak lanjut at as t emuan-t emuan audit ekst er nal. Kegiat an pemant auan t indak lanjut t emuan ekst er nal dilakukan oleh Divisi Kepat uhan sesuai dengan Per at ur an Bank Indonesia PBI Nomor 13 2 PBI 20 11 t ent ang Pelaksanaan Fungsi Kepat uhan Bank yang t er cant um dalam Bab II mengenai Fungsi Kepat uhan Bank: - Pasal 3 point d yait u memast ikan kepat uhan bank t er hadap komit men yang dibuat oleh bank t er hadap Bank Indonesia dan at au ot or it as pengawas lain yang ber wenang. - Pasal 4 point 2 yait u Fungsi kepat uhan sebagaimana dimaksud pasal 3 dilaksanakan oleh sat uan ker ja Kepat uhan. Komit e Audit juga melakukan beber apa t ugas lain yang diber ikan oleh Dewan Komisar is, diant ar anya member ikan masukan t er hadap pembahasan Rencana Bisnis Bank. Frekuensi Pertemuan Rapat dan Tingkat Kehadiran Anggota Komite Audit Selama t ahun 20 15, Komit e Audit t elah menyelenggar akan per t emuan sebanyak 17 kali. Ber ikut inf or masi t ingkat kehadir an Anggot a Komit e Audit dalam Rapat di t ahun 20 15: monit or ing and evaluat ion of t he Audit Commit t ee, t he public account ing f ir m has conduct ed audit in accor dance t o t he Audit ing St andar ds st ipulat ed by t he Indonesian Inst it ut e of Cer t if ied Public Account ant s. The implement at ion has also f ollowed t he exit meet ing on t he audit of wor k r epor t in 20 14 by t he public account ing f ir m. 6 Monit or ing f ollow-up 6.1. Monit or ing t he Audit ee Follow-up on t he Result of Int er nal Audit The Audit Commit t ee monit or ed t he f ollow-up on t he f indings of DAI. The Audit Commit t ee held meet ings wit h DAI in or der t o discuss t he f indings and f ollow-up t he f indings of DAI. The Audit Commit t ee also maint ained dir ect communicat ion wit h DAI, bot h wit h scheduled r egular meet ings and out side t he scheduled meet ings. 6.2. Monit or ing t he Follow-up on Ext er nal Audit Result s The Audit Commit t ee monit or ed t he f ollow-up on t he f indings of ext er nal audit . The act ivit y t o monit or t he ext er nal audit f indings was car r ied out by t he Compliance Division in accor dance t o Bank Indonesia Regulat ion PBI No. 13 2 PBI 20 11 on t he Implement at ion of Bank Compliance Funct ion cont ained in Par t II of t he Bank Compliance Funct ion: - Ar t icle 3 point d namely t o ensur e t he Bank’s compliance t o t he commit ment s made by t he Bank t o Bank Indonesia and or ot her compet ent super visor y aut hor it ies. - Ar t icle 4 point 2, namely t he compliance f unct ion r ef er r ed in Ar t icle 3 car r ied out by t he Compliance wor king unit . The Commit t ee also per f or med ot her t asks given by t he Boar d of Commissioner s, including pr oviding input s f or t he discussion on t he Bank’s Business Plan. Frequency of Meetings and Level of Attendance of the Audit Committee Members Dur ing 20 15, t he Audit Commit t ee held 17 meet ings. The f ollowing t able descr ibes t he level of at t endance of t he member s of t he Audit Commit t ee in t he meet ings held in 20 15: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 434 Pelaksanaan Rapat Meeting Agenda Klemi Subiyantoro Rudhyanto Mooduto Memed Ramson Suwarta Agenda 7 Januar i 20 15 Pembahasan Pr ogr am Ker ja Divisi Audit Int er nal bank bjb t ahun 20 15 1 1 1 1 1 Discussion on t he Wor k Pr ogr am of t he Int er nal Audit Division of bank bjb in 20 15 14 Januar i 20 15 1. Pembahasan Pedoman Ker ja Komit e Audit Int er nal 1 1 1 1 - 1. Discussion on the work guidelines of the Internal Audit Committee 2. Lapor an Akhir Tahun 20 14 2. End of Year Repor t 20 14 3. Lain-lain 3. Ot her s 18 Mar et 20 15 Rapat r ut in Komit e Audit 1 - 1 1 1 Rout in meet ing of t he Audit Commit t ee 7 Apr il 20 15 Rapat Koor dinasi Komit e Audit dengan Divisi Audit Int er nal 1 - 1 1 - Coor dinat ion Meet ing bet ween t he Audit Commit t ee and t he Int er nal Audit Division 0 6 Mei 20 15 1. Pembahasan Lapor an Komit e Audit Tr iwulan I 1 1 1 1. Discussion on t he Audit Commit t ee Repor t Tr imest er I 2. Pembahasan Pedoman dan Tat a t er t ib Ker ja Komit e Audit 2. Discussion on the Work Guidelines and Rulies of the Audit Committee 3. Lain-lain 3. Ot her s 13 Mei 20 15 1. Finalisasi Pedoman dan Tat a Ter t ib Ker ja Komit e Audit 1 1 1 1 1 1. FInalization of the Work Guidelines and Rulies of the Audit Committeee 2. Pembahasan Tindaklanjut Temuan 2. Discussion on t he f ollow-up of f indings 3. Lain-lainnya 3. Ot her s 19 Mei 20 15 1. Pembahasan Pedoman Ker ja Komit e Audit Int er nal 1 - 1 1 1 1. Discussion on the Work Guidelines of the Internal Audit Committee 2. Pembahasan Kiner ja bank bjb Per iode Apr il 20 15 2. Discussion on bank bjb’s performance for the period April 2015 3. Lain-lain. 3. Ot her s 0 8 Juni 20 15 Rapat r ut in Komit e Audit 1 1 - 1 - Routine meeting of the Audit Committee 0 9 Juni 20 15 1. Pembahasan Tindaklanjut Pemer iksaan Khusus DAI dan Tindaklanjut Hasil Pemer iksaan Oleh Pihak Ekst er nal 1 1 1 1 1. Discussion on t he f ollow-up of t he special invest igat ion per f or med by DAI and invest igat ion by Ext er nal Par t y 2. Pemenuhan RBB Divisi Audit Int er nal 2. Fulf illment of t he Int er nal AUdit Division’s Wor k Plan 3. Lain-lain. 3. Ot her s 12 Agust us 20 15 Rapat r ut in Komit e Audit 1 1 1 1 - Routine meeting of the Audit Committee 18 Agust us 20 15 1. Pembahasan Pr ogr ess Tindak Lanjut Komit men t er hadap hasil Audit Pihak ekst er nal 1 1 1 1 1 1. Discussion on the f ollow-up on the commitment to the audit f indings f rom the External Party 2. Pembahasan mengenai pr ogr ess Pr ogr am Ker ja DAI beser t a t emuan 2. Discussion on t he pr ogr ess of t he wor k pr ogr am of DAI and it s f indings 3. Pembahasan Pr ogr ess audit khusus beser t a t emuan 3. Discussion on t he pr ogr ess of special audit and it s f indings 4. Pembahasan Pr ogr ess audit TI beser t a Temuannya 4. Discussion on t he pr ogr ess of IT audit and it s f indings 5. Lain-lain. 5. Ot her s 2 Sept ember 20 15 Pembahasan lapor an Komit e Audit Tr iwulan 2 1 1 - 1 1 Discussion on t he Audit Commit t ee Repor t Tr imest er 2 29 Sept ember 20 15 1. Pembahasan Pr ogr ess Tindak Lanjut Hasil Pemer iksaan Pihak Ekst er nal OJK. 1 1 1 1 1 1. Discussion on t he pr ogr ess of t he f ollow-up on t he r esult s of invest igat ion per f or med by ext er nal par t y OJK 2. Pembahasan Pr ogr ess Pemenuhan RBB dan Pelaksanaan Audit Khusus Divisi Audit Int er nal. 2. Discussion on t he pr ogr ess of t he f ulf illment of wor k plan and t he special audit per f or med by t he Int er nal Audit Division 3. Lain - lainnya 3. Ot her s St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 435 Pelaksanaan Rapat Meeting Agenda Klemi Subiyantoro Rudhyanto Mooduto Memed Ramson Suwarta Agenda 21 Okt ober 20 15 1. Pembahasan Penunjukan Kant or Akunt an Public 1 - 1 - 1 1. Discussion on t he appoint ment of Public Account ing Fir m 2. Lain-lain 2. Ot her s 27 Okt ober 20 15 1. Pembahsan Penunjukan Kant or Akunt an Publik unt uk pemer iksaan Lapor an Keuangan t ahun 20 15. 1 1 1 1 1 1. Discussion on t he appoint ment of Public Account ing Fir m t o audit t he Financial St at ement s in 20 15 2. Pembahasan Lapor an Publikasi per iode 30 Sept ember 20 15. 2. Discussion on t he Publicat ion Repor t f or t he per iod Sept ember 30 20 15 3. Pembahasan Lapor an Komit e Audit Tr iwulan III. 3. Discussion on t he Audit Commit t ee Repor t Tr imest er 3 4. Lain-lain. 4. Ot her s 5 November 20 15 1. Pembahasan Lapor an Komit e Audit Tr iwulan III 1 1 1 1 - 1. Discussion on t he Audit Commit t ee Repor t Tr imest er 3 2. Lain-lain. 2. Ot her s 23 Desember 20 15 1. Pembahasan Tindaklanjut hasil pemer iksaan pihak ekst er nal 1 1 - 1 1 1. Discussion on t he r esult s of invest igat ions per f or med by ext er nal par t y 2. Rencana Ker ja Divisi Audit Int er nal t ahun 20 16 2. Wor k Plan of t he Int er nal Audit DIvision f or t he year 20 16 3. lain-lain. 3. Ot her s Komite Remunerasi dan Nominasi Komit e Remuner asi dan Nominasi Per ser oan dibent uk ber dasar kan: 1. Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t anggal 30 Januar i 20 0 6 t ent ang Good Cor por at e Gover nance. 2. Per at ur an Bank Indonesia nomor 8 14 PBI 20 0 6 t anggal 5 Okt ober 20 0 6 t ent ang Per ubahan at as Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t ent ang Good Cor por at e Gover nance. 3. Sur at Edar an Bank Indonesia nomor 9 12 DPNP t anggal 30 Mei 20 0 7 t ent ang Pelaksanaan Good Cor por at e Gover nance bagi Bank Umum. 4. Sur at Keput usan Dewan Komisar is PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk. Nomor 0 7 SK Dk 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e. 5. Sur at Keput usan Dewan Komisar is PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk. nomor 11 SK DK 20 15 t anggal 14 Sept ember 20 15 Tent ang Pedoman dan Tat a Ter t ib Ker ja Komit e Remuner asi dan Nominasi. The Remuneration and Nomination Committee The Remuner at ion and Nominat ion Commit t ee of t he Company was f or med based on: 1. Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 dat ed Januar y 30 , 20 0 6 on Good Cor por at e Gover nance; 2. Bank Indonesia Regulat ion No. 8 14 PBI 20 0 6 dat ed Oct ober 5, 20 0 6 on t he Amendment t o Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 on good cor por at e gover nance; 3. Bank Indonesia Cir cular Let t er No. 9 12 DPNP dat ed May 30 , 20 0 7 on t he Implement at ion of Good Cor por at e Gover nance f or Commer cial Banks; 4. Decr ee of t he Boar d of Commissioner s of PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk No. 0 7 SK Dk 20 15 dat ed Apr il 22, 20 15 on t he Division of Tasks and t he Act ivit ies of t he Boar d of Commissioner s and t he Commit t ees. 5. Decr ee of t he Boar d of Commissioner s of PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk No. 11 SK DK 20 15 dat ed Sept ember 14, 20 15 on t he Wor k Guidelines and Rules of t he Remuner at ion and Nominat ion Commit t ee. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 436 Susunan Ketua dan Anggota Komite Remunerasi dan Nominasi Susunan Komit e Remuner asi dan Nominasi sesuai Sur at Keput usan Dewan Komisar is nomor 0 7 SK DK 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e yang t er dir i dar i 2 dua Komisar is Independen, 1 sat u Komisar is dan Pemimpin Divisi SDM. No Jabatan Nama | Name Position 1. Ket ua Yayat Sutaryat Komisar is Independen | Independent Commissioner Chair man 2. Anggot a Muhadi Komisar is | Commissioner Member 3. Anggot a Klemi Subiyantoro Pihak Independen | Independent Par t y Member 4. Anggot a Pemimpin Divisi SDM | HR Head of Division Member Pejabat Eksekut if dalam hal ini Pemimpin Divisi Sumber Daya Manusia memiliki penget ahuan dan menget ahui ket ent uan sist em r emuner asi dan at au nominasi. Bahwa Bank membent uk Komit e yang t idak t er pisahkan ant ar a r emuner asi dan nominasi. Prof il Singkat Yayat Sutaryat Ket ua dan Komisar is Independen Pr of il Yayat Sut ar yat dapat dilihat pada bagian Komisar is. Muhadi Anggot a dan Komisar is Pr of il Muhadi dapat dilihat pada bagian Komisar is. Klemi Subiyantoro Ket ua dan Komisar is Independen Pr of il Klemi Subiyant or o dapat dilihat pada bagian Komisar is. Periode Jabatan Anggota Komite Remunerasi dan Nominasi Sesuai dengan Pedoman dan Tat a Ter t ib Ker ja Komit e Remuner asi dan Nominasi nomor 11 SK DK 20 15, masa jabat an anggot a komit e Remuner asi dan Nominasi sama dengan masa jabat an Dewan Komisar is kecuali at as per t imbangan t er t ent u Dewan Komisar is melakukan penggant ian per t ukar an keanggot aan Komit e bagi anggot a The composition of the Chairman and Members of the Remuneration and Nomination Committee Based on t he Decr ee of t he Boar d of Commissioner s of PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk No. 0 7 SK DK 20 15 dat ed Apr il 22, 20 15 on t he Division of Tasks and t he Act ivit ies of t he Boar d of Commissioner s and t he Commit t ees, t he Remuner at ion and Nominat ion Commit t ee consist s of 2 t wo Independent Commissioner s, 1 one Commissioner s and Head of HR Division. The Execut ive Of f icer in t his case t he head of t he Human Resour ces Division is knowledgable and have t he knowledge on t he pr ovisions of t he r emuner at ion syst em and or nominat ion. That t he Bank f or med a Commit t ee insepar able bet ween r emuner at ion and nominat ion. Brief Prof ile Yayat Sutaryat Chair man and Independent Commissioner Yayat ’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Muhadi Member and Commissioner Muhadi’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Klemi Subiyantoro Chair man and Independent Commissioner Klemi’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Work Tenure of the Members of the Remuneration and Nomination Committee In accor dance wit h t he Wor k Guidelines No. 11 SK DK 20 15 on t he Guidelines f or t he Boar d of Commissioner s, t he wor k t enur e of t he Remuner at ion and Nominat ion Commit t ee is t he same as t he wor k t enur e of t he Boar d of Commissioner s except on cer t ain consider at ions wher e t he Boar d of Commissioner s r eplaces exchanges t he member of t he St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 437 Komit e Remuner asi dan Nominasi yang ber asal dar i unsur Dewan Komisar is. Kebijakan mengenai Suksesi Direksi Dalam r angka melanjut kan kepemimpinan yang ber kelanjut an, bank bjb memiliki mekanisme suksesi unt uk posisi Dir eksi yang t er st r ukt ur . Pada per iode yang t elah dit ent ukan, Dewan Komisar is melalui Komit e Remuner asi dan Nominasi menyelenggar akan per ekr ut an unt uk menjadi kandidat Dir eksi, yang ber asal dar i bank bjb sendir i maupun dar i luar bank bjb. Par a kandidat t er sebut selanjut nya akan diases oleh t im independen yang t elah dit unjuk bank bjb, unt uk disar ing ber dasar kan kr it er ia-kr it er ia yang r elevan dengan jabat an dan kondisi bank bjb. Hasil penyar ingan t er sebut oleh assessor ekst er nal diser ahkan kepada Komit e Remuner asi dan Nominasi, unt uk kemudian diajukan kepada OJK guna melaksanakan f it and poper t est dengan sepenget ahuan pemegang saham. Kandidat yang t elah lolos f it and pr oper t est diajukan unt uk dipilih menjadi anggot a Dir eksi melalui mekanisme RUPS. Pengungkapan Hubungan Af iliasi Direksi Selur uh anggot a Dir eksi per ser oan t idak memiliki hubungan af iliasi dengan sesama anggot a Dir eksi, maupun dengan Pemegang Saham Pengendali dan at au RUPS. Independensi Komite Remunerasi dan Nominasi Sesuai dengan per at ur an t ent ang pelaksanaan GCG, selur uh anggot a Komit e Remuner asi dan Nominasi bank bjb ber sif at independen dan t idak memiliki r angkap jabat an di dalam dan di luar Per ser oan yang dapat mempengar uhi kemampuan mer eka unt uk ber t indak independen. Independensi t er sebut t er cer min dalam hubungan keluar ga, hubungan keuangan, kepengur usan ser t a kepemilikan saham di bank bjb dan per usahaan lainnya sebagaimana t abel ber ikut : Remuner at ion and Nominat ion Commit t ee coming f r om t he Boar d of Commissioner s. Policies on the Succession of Directors In or der t o cont inue sust ainable leader ship, bank bjb applies t he mechanism of succession in t he st r uct ur ed posit ion of t he Boar d of Dir ect or s. In t he given per iod, t he Boar d of Commissioner s t hr ough t he Remuner at ion and Nominat ion Commit t ee per f or ms r ecr uit ment on t he candidat es f or t he Boar d of Dir ect or s, der ived f r om wit hin bank bjb or f r om out side bank bjb. The candidat es will t hen be assessed by an independent t eam designat ed by t he bank bjb, t o be f ilt er ed based on t he cr it er ia t hat ar e r elevant t o t he posit ion and condit ion of t he bank bjb. The scr eening r esult s by t he ext er nal assessor will be submit t ed t o t he Remuner at ion and Nominat ion Commit t ee, t o be submit t ed t o t he FSA f or f it and poper t est wit h t he shar eholder s’ knowledge. Candidat es who pass t he f it and pr oper t est is pr oposed t o be elect ed as member s of t he Boar d of Dir ect or s t hr ough t he mechanism of GMS. Af f iliate Relationship with Other Directors All member s of t he Boar d of Dir ect or s do not have an af f iliat e r elat ionship wit h f ellow member s of t he Boar d of Dir ect or s, t he member s of t he Boar d of Commissioner s, as well as t he Major and or Cont r olling Shar eholder . Independence of the Remuneration and Nomination Committee Accor ding t o t he r egulat ion on Good Cor por at e Gover nance, all Member s of t he Remuner at ion and Nominat ion Commit t ee of bank bjb shall be independent and shall not have concur r ent posit ions inside and out side t he company t hat could af f ect t heir abilit y t o act independent ly. The independence is r ef lect ed in f amily r elat ions, f inancial r elat ions, management as well as shar es owner ship in bank bjb and ot her companies, as shown in t he f ollowing t able: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 438 Aspek Independensi Yayat Sutaryat Muhadi Klemi Subiyantoro Pempimpin Divisi SDM Independence Aspect Tidak memiliki hubungan keuangan dengan Dewan Komisar is dan Dir eksi ¥ ¥ ¥ ¥ Do not have f inancial r elat ions wit h t he Boar d of Commissioner s and Boar d of DIr ect or s Tidak memiliki hubungan kepengur usan di bank bjb, anak per usahaan maupun per usahaan af iliasi ¥ ¥ ¥ ¥ Do not have management r elat ions in bank bjb, it s subsidiar ies and t he r elat ed companies Tidak memiliki hubungan kepemilikan saham di bank bjb ¥ ¥ ¥ ¥ Do not have shares ownership in bank bjb Tidak memiliki hubungan keluar ga dengan Dewan Komisar is, Dir eksi dan at au sesama anggot a Komit e Audit ¥ ¥ ¥ ¥ Do not have f amily r elat ions wit h t he Boar d of Commissioner s, Boar d of DIr ect or s, and or ot her member s of t he Audit Commit t ee Tidak menjabat sebagai pengur us par t ai polit ik, pejabat pemer int ah daer ah ¥ ¥ ¥ ¥ Do not hold posit ion in a polit ical par t y, or as local gover nment of f icial Tugas dan Tanggung Jawab Komite Remunerasi dan Nominasi Komit e Remuner asi dan Nominasi memiliki t ugas dan t anggung jawab unt uk menyusun dan melaksanakan r encana ker ja t ahunan Komit e Remuner asi dan Nominasi sesuai ar ahan Dewan Komisar is dan ket ent uan yang ber laku di Bank. Tugas yang Terkait dengan Remunerasi 1. Mengevaluasi kebijakan r emuner asi yang ber laku pada Bank. 2. Mempelajar i ket ent uan dan per at ur an per undang- undangan yang ber laku dalam kebijakan r emuner asi, penet apan f asilit as dan t unjangan lainnya. 3. Member ikan r ekomendasi kepada Dewan Komisar is mengenai: a. Kebijakan r emuner asi ber upa gaji, f asilit as dan t unjangan lainnya bagi Dewan Komisar is dan Dir eksi unt uk disampaikan kepada RUPS. b. Kebijakan r emuner asi bagi pejabat eksekut if dan pegawai secar a keselur uhan unt uk disampaikan kepada Dir eksi melalui Dewan Komisar is. 4. Rekomendasi sebagaimana dimaksud dalam angka 3 disampaikan dengan memper hat ikan: a. kiner ja keuangan dan pemenuhan cadangan sebagaimana diat ur dalam per at ur an per undang- undangan yang ber laku; b. pr est asi ker ja individual; c. kewajar an dengan peer gr oup; d. per t imbangan sasar an dan st r at egi jangka panjang Bank. Duties and Responsibilities of the Remuneration and Nomination Committee The Remuner at ion and Nominat ion Commit t ee has t he dut y and r esponsibilit y t o develop and implement an annual wor k plan of t he Remuner at ion and Nominat ion Commit t ee accor ding t o t he dir ect ion of t he Boar d of Commissioner s and t he Bank’s pr evailing pr ovisions. Duties Related to Remuneration 1. Evaluat e t he r emuner at ion policy applicable t o t he Bank. 2. Under st and t he applicable r ules and r egulat ions on t he r emuner at ion policy and t he det er minat ion of f acilit ies and ot her benef it s. 3. Pr ovide r ecommendat ions t o t he Boar d of Commissioner s on: a. The policy on r emuner at ion in t he f or m of salar ies, f acilit ies and ot her benef it s f or t he Boar d of Commissioner s and Boar d of Dir ect or s t o be submit t ed t o t he GMS. b. The r emuner at ion policy f or execut ive of f icer s and employees t o be submit t ed t o t he Boar d of Dir ect or s t hr ough t he Boar d of Commissioner s. 4. Recommendat ions r ef er r ed in it em 3 ar e submit t ed wit h t he f ollowing consider sat ion: a. f inancial per f or mance and r eser ves as st ipulat ed in t he legislat ions in f or ce; b. individual wor k per f or mance; c. r easonableness of t he peer gr oup; d. Consider at ion of t he long-t er m goals and st r at egies of t he Bank. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 439 5. Member ikan r ekomendasi kepada Dewan Komisar is at as kebijakan sumber daya manusia Bank unt uk disampaikan kepada Dir eksi. Tugas yang terkait dengan Nominasi 1. Menyusun dan member ikan r ekomendasi mengenai sist em dan pr osedur pemilihan dan at au penggant ian anggot a Pengur us kepada Dewan Komisar is unt uk disampaikan kepada RUPS. 2. Member ikan r ekomendasi nama-nama calon anggot a Pengur us kepada Dewan Komisar is unt uk disampaikan kepada RUPS set elah melalui pr oses assessment . 3. Member ikan r ekomendasi mengenai Pihak Independen yang akan menjadi calon anggot a Komit e kepada Dewan Komisar is. Melakukan Self Assesment Pelaksanaan Tugas Komite Remunerasi Dan Nominasi Melakukan Self Assesment t ahunan at as pelaksanaan Pedoman Komit e Remuner asi dan Nominasi disamping evaluasi yang dilakukan oleh Dewan Komisar is at as kiner ja Komit e Remuner asi dan Nominasi. Pelaksanaan Tugas Khusus 1. Melakukan t ugas lain yang diber ikan Dewan Komisar is dalam bat asan lingkup ker ja Komit e Remuner asi dan Nominasi sesuai ket ent uan per undang-undangan dan per at ur an Bank Indonesia Per at ur an Ot or it as Jasa Keuangan yang ber laku. 2. Dalam hal keper luan penugasan yang diber ikan Dewan Komisar is, maka Komit e Remuner asi dan Nominasi dapat menggunakan jasa pihak ket iga yang kompet en dan independen. 3. Menyampaikan lapor an pelaksanaan t ugas khusus kepada Dewan Komisar is. Laporan Kegiatan 20 15 Dalam r apat sepanjang t ahun 20 15, Komit e Remuner asi dan Nominasi t elah melakukan pembahasan t er hadap hal-hal sebagai ber ikut : 1. Ter kait dengan kebijakan r emuner asi - Melakukan evaluasi t er hadap kebijakan r emuner asi: • Dokument asi ket ent uan dan per at ur an per undang-undangan, kebijakan per usahaan yang ber laku dalam kebijakan r emuner asi, penet apan f asilit as dan t unjangan lainnya. • Melakukan pemant auan sist em r emuner asi yang sedang ber laku di pasar Bank BUMN BUMD, Bank Swast a Nasional maupun asing. 5. Pr ovide r ecommendat ions t o t he Boar d of Commissioner s on human r esour ce policies t o be submit t ed t o t he Boar d of Dir ect or s of t he Bank. Duties Related to Nomination 1. Develop and pr ovide r ecommendat ions on t he syst em and pr ocedur es of select ion and or r eplacement of t he member s of t he Boar d t o t he Boar d of Commissioner s t o be submit t ed t o t he GMS. 2. Pr ovide r ecommendat ions on t he names of t he candidat es t o t he Boar d of Commissioner s t o be submit t ed t o t he AGM af t er going t hr ough t he assessment pr ocess. 3. Pr ovide r ecommendat ions on t he independent par t y who will be member of t he Commit t ee t o t he Boar d of Commissioner s. Perf orm Self Assessment on the Implementation of the Duties of the Remuneration and Nomination Committee Conduct annual self -assessment on t he applicat ion of t he Guidelines f or Remuner at ion and Nominat ion Commit t ee in addit ion t o t he evaluat ion per f or med by t he Boar d of Commissioner s on t he per f or mance of t he Remuner at ion and Nominat ion Commit t ee. Special Duties 1. Per f or m ot her dut ies assigned by t he Boar d of Commissioner s wit hin t he scope of t he Remuner at ion and Nominat ion Commit t ee in accor dance t o t he laws and r egulat ions of Bank Indonesia Regulat ion of t he Financial Ser vices Aut hor it y. 2. For t he assignment s given by t he Commissioner s, t he Remuner at ion and Nominat ion Commit t ee may use t he ser vices of a compet ent and independent t hir d par t y. 3. Deliver t he r epor t on special dut ies t o t he Boar d of Commissioner s. Report on Activities in 20 15 In t he meet ings conduct ed t hr oughout 20 15, t he Remuner at ion and Nominat ion Commit t ee held discussions on t he f ollowing mat t er s: 1. Relat ed t o t he r emuner at ion policy - Evaluat e t he r emuner at ion policy: • Document at ion of t he r ules and laws, company policies applicable t o t he r emuner at ion policy, t he det er minat ion of f acilit ies and ot her benef it s. • Monit or t he r emuner at ion syst em in f or ce in t he st at e-owned and r egional-owned banks mar ket ent er pr ises, nat ional and f or eign pr ivat e banks. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 440 - Melakukan pembahasan t er hadap kebijakan r emuner asi yang sedang ber jalan di Per ser oan. • Remuner asi Pengur us Membahas kebijakan r emuner asi pengur us yang sedang ber jalan di bank dan mer ekomendasikan kepada Dewan Komisar is. • Remuner asi Pegawai: Evaluasi kebijakan r emuner asi bagi pejabat eksekut if dan pegawai secar a keselur uhan. 2. Ter kait dengan kebijakan nominasi: - Pembahasan mengenai pedoman sist em ser t a pr osedur pemilihan dan at au penggant ian Pengur us. - Membahas penjar ingan ser t a r ekomendasi calon anggot a Pengur us. - Membahas r ekomendasi anggot a komit e dar i pihak independen. • Membahas r ekomendasi anggot a komit e dar i pihak independen. • Pembahasan nominasi anggot a komit e. 3. Ter kait dengan Pedoman dan Tat a Ter t ib ker ja dan lapor an. - Pedoman ker ja. - Pr ogr am Ker ja. - Lapor an kegiat an. 4. Kegiat an Lainnya yang masih dalam r uang lingkup Komit e Remuner asi Nominasi. Frekuensi Pertemuan Rapat dan Tingkat Kehadiran Anggota Komite Remunerasi dan Nominasi Selama t ahun 20 15, Komit e Remuner asi dan Nominasi t elah menyelenggar akan per t emuan sebanyak 15 kali. Ber ikut inf or masi t ingkat kehadir an Anggot a Komit e Audit dalam Rapat di t ahun 20 15: No Nomor Surat Let t er Number Tanggal Rapat Date of Meeting Perihal Mat t er s Taufiequrachman Ruki Wawan Ridwan Rudhyanto Mooduto Yayat Sutaryat Klemi Subiyantoro Muhadi Pindiv SDM HR Head Division 1 0 0 1 DK- KRN 20 15 0 6 Januar i 20 15 - Rencana Jadwal Pengisian Kekosongan Pengur us bank bjb Tahun 20 15 - Lain-lain - Discussion on t he f ulf illment of t he vacant posit ions in t he Management of bank bjb in 20 15 - Ot her s 1 1 1 1 1 1 1 2 0 0 2 DK- KRN 20 15 28 Januar i 20 15 - Pembahasan Sur at Pengusulan Calon Pengur us - Lain-lain - Discussion on t he candidat es pr oposed as member s of t he Management - Ot her s 1 1 1 1 1 1 1 - Conduct discussions on t he r emuner at ion policies cur r ent ly applicable in t he Company. • Remuner at ion f or t he Management : Discuss t he r emuner at ion policy f or t he management cur r ent ly applicable in t he Bank and pr ovide r ecommendat ions t o t he Boar d of Commissioner s. • Remuner at ion f or t he Employees: Evaluat e t he r emuner at ion policy f or execut ive of f icer s and t he employees. 2. Relat ed t o t he nominat ions policy: - Discuss t he guidelines syst em and select ion and or r eplacement pr ocedur es of t he Management . - Discuss t he select ion and r ecommendat ions r elat ed t o pr ospect ive member s of t he Management . - Discuss t he r ecommendat ions of t he member s of t he commit t ee f r om t he independent par t y. • Discuss t he r ecommendat ions of t he member s of t he commit t ee f r om t he independent par t y. • Discuss t he nominat ion of commit t ee member s. 3. Relat ed t o t he Wor k Guidelines and Rules as well as t he r epor t s. - Guidelines f or employment . - Wor k Pr ogr am. - Act ivit y Repor t . 3. Ot her act ivit ies wit hin t he scope of t he NRC. Frequency of Meetings and the level of Attendance of the Members of the Remuneration and Nomination Committee Dur ing 20 15, t he Remuner at ion and Nominat ion Commit t ee held 15 meet ings. The f ollowing descr ibes t he at t endance r at e of t he member s of t he Remuner at ion and Nominat ion Commit t ee in t he meet ings held in 20 15: St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 441 No Nomor Surat Let t er Number Tanggal Rapat Date of Meeting Perihal Mat t er s Taufiequrachman Ruki Wawan Ridwan Rudhyanto Mooduto Yayat Sutaryat Klemi Subiyantoro Muhadi Pindiv SDM HR Head Division 3 0 0 6 DK- KRN 20 15 24 Febr uar i 20 15 - Pembahasan Kenaikan St r ukt ur Gaji bank bjb - Lain-lain - Discussion on Salar y Incr ease in bank bjb - Ot her s 1 1 1 1 4 0 0 8 DK- KRN 20 15 0 4 Mar et 20 15 - Assessment Calon Anggot a Komit e Pemant au Bisnis dan Per kr edit an - Lain-lain - Assessment on t he candidat es of t he member s of t he Business and Cr edit Monit or ing - Ot her s 1 1 1 5 0 0 9 DK- KRN 20 15 18 Mar et 20 15 - Pembahasan Lapor an KRN Unt uk RUPS - Pembahasan Sur at Pengundur an Dir i Komisar is Ut ama - Lain-lain - Discussion on t he KRN Repor t f or GMS - Discussion on t he r esignat ion let t er of t he Pr esident Commissioner - Ot her s 1 1 1 1 6 0 10 DK- KRN 20 15 27 Mar et 20 15 - Pembahasan Finalisasi Rekomendasi Calon Pengur us yang Akan Disampaikan Dalam RUPS bank bjb t anggal 31 Mar et 20 15 - Lain-lain - Discussion on Finalizat ion of r ecommendat ion on candidat es of t he Bank’s management t o conveyed in GMS dat ed Mar ch 31, 20 15 - Ot her s 1 1 1 1 7 0 11 DK- KRN 20 15 7-Apr -15 - Per siapan Calon- calon yang Disusulkan Unt uk Pengisian Pengur us Yang Kosong - Lain-lain - Pr epar at ion of t he candidat es f or management - Ot her s 1 1 1 1 8 0 11a DK- KRN 20 15 23-Apr -15 - Penyempurnaan Pedoman Pengisian Calon Pengur us bank bjb - Lain-lain - Ref inement of t he Guidelines on t he management candidat es of bank bjb - Ot her s 1 1 1 1 9 0 12 DK- KRN 20 15 28-Apr -15 - Pr oses Pengisian Pengur us - Lain-lain - The pr ocess t o f ulf ill t he management posit ion - Ot her s 1 1 1 1 10 0 13 DK- KRN 20 15 20 Mei 20 15 - Lapor an KRN unt uk RUPS - Wawancar a Calon anggot a Komit e Tat a Kelola Ter int egr asi dar i Pihak Independen - KRN r epor t f or GMS - Int er view t o t he candidat es of t he member s of t he Int egr at ed Commit t ee f r om independent par t ies 1 1 1 1 Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 442 No Nomor Surat Let t er Number Tanggal Rapat Date of Meeting Perihal Mat t er s Taufiequrachman Ruki Wawan Ridwan Rudhyanto Mooduto Yayat Sutaryat Klemi Subiyantoro Muhadi Pindiv SDM HR Head Division 11 0 14 DK- KRN 20 15 25 Mei 20 15 - Rekomendasi Komit e Remuner asi dan Nominasi Unt uk RUPS LB Tahun 20 15 - Lain-lain - Recommendat ion f r om t he Remuner at ion and Nominat ion Commit t e f or EGMS 20 15 - Ot her s 1 1 1 1 12 0 15 DK- KRN 20 15 0 3 Juni 20 15 - Seleksi Anggot a Komit e Tat a Kelola Ter int egr asi KTT dar i Pihak Independen. - Lain-lainnya - Select ion of member s of t he Int egr at ed Gover nance Commit t ee f r om independent par t ies - Ot her s 1 1 1 1 13 0 17 DK- KRN 20 15 23 Juli 20 15 - Pembahasan Ber kas Calon Pengur us - Lain-lain - Discussion on t he f iles of management candidat es - Ot her s 1 1 1 14 0 19 DK- KRN 20 15 17-Nov-15 - Pembahasan Fasilit as Pegawai yang Dit empat kan di luar Domisili - Lain-lain - Discussion on Employee Facilit ies domiciled out side t heir place of or igin - Ot her s 1 1 1 15 0 21 DK- KRN 20 15 30 Desember 20 15 - Pembahasan Pr ogr am Ker ja KRN Tahun 20 16 - Lain-lain - Discussion of KRN 20 16 Wor k Pr ogr am - Ot her s 1 1 1 Tidak lagi menjabat sebagai anggot a Dewan Komisar is Per ser oan sejak 31 Mar et 20 15 No longer ser ved as a member of t he Boar d of Commissioner s of t he Company since Mar ch 31, 20 15 Komite Pemantau Risiko Komit e Pemant au Risiko KPR bank bjb mer upakan salah sat u komit e yang dibent uk Dewan Komisar is Bank dalam r angka mendukung ef ekt ivit as pelaksanaan t ugas dan t anggung jawabnya, sebagaimana dimaksud dalam Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t ent ang pelaksanaan Good Cor por at e Gover nance bagi Bank Umum. KPR bank bjb unt uk per iode t ahun 20 15 dibent uk ber dasar kan: a. Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t anggal 30 Januar i 20 0 6 t ent ang Good Cor por at e Gover nance. b. Per at ur an Bank Indonesia nomor 8 14 PBI 20 0 6 t anggal 5 Okt ober 20 0 6 t ent ang Per ubahan at as Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t ent ang Good Cor por at e Gover nance. Risk Monitoring Committee The Risk Monit or ing Commit t ee RMC of bank bjb is one of t he commit t ees t hat was est ablished by t he Boar d of Commissioner s in or der t o suppor t ef f ect ive implement at ion of it s t asks and r esponsibilit ies, as st ipulat ed in Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 on t he implement at ion of Good Cor por at e Gover nance f or Commer cial Banks. bank bjb’s RMC f or t he per iod of 20 15 was est ablished based on: a. Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 dat ed Januar y 30 , 20 0 6 on Good Cor por at e Gover nance. b. Bank Indonesia Regulat ion No. 8 14 PBI 20 0 6 dat ed Oct ober 5, 20 0 6 on t he Amendment t o Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 on Good Cor por at e Gover nance. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 443 c. Sur at Edar an Bank Indonesia nomor 9 12 DPNP t anggal 30 Mei 20 0 7 t ent ang Pelaksanaan Good Cor por at e Gover nance bagi Bank Umum. d. Sur at Keput usan Dewan Komisar is PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk. nomor 0 7 SK DK 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e. e. Sur at Keput usan Dewan Komisar is PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk. nomor 0 2 SK DK 20 15 t anggal 26 Januar i 20 15 Tent ang Pedoman dan Tat a Ter t ib Ker ja Komit e Pemant au Risiko. Susunan Ketua dan Anggota Komite Pemantau Risiko Susunan Komit e Pemant au Risiko sesuai Sur at Keput usan Dewan Komisar is nomor 0 7 SK DK 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e yang t er dir i dar i 1 sat u Komisar is, 2 dua Komisar is Independen, 2 dua Pihak Independen. No Jabatan Nama Name Position 1. Ket ua Rudhyanto Mooduto Komisar is Independen | Independent Commissioner Chair man 2. Anggot a Muhadi Komisar is | Commissioner Member 3. Anggot a Yayat Sutaryat Komisar is Independen | Independent Commissioner Member 4. Anggot a Nury Ef f endi Pihak Independen | Independent Par t y Member 5. Anggot a Tettet Fitrijanti Pihak Independen | Independent Par t y Member Sat u or ang pihak independen ahli di bidang keuangan dan sat u pihak independen ahli di bidang manajemen r isiko. Prof il Singkat Rudhyanto Mooduto Ket ua, Komisar is Independen Pr of il Rudhyant o Moodut o dapat dilihat pada bagian Komisar is. c. Bank Indonesia Cir cular Let t er No. 9 12 DPNP dat ed May 30 , 20 0 7 on t he Implement at ion of Good Cor por at e Gover nance f or Commer cial Banks. d. Decr ee of t he Boar d of Commissioner s of PT Bank Jabar No. 0 7 SK DK 20 15 dat ed Apr il 22, 20 15 on t he Division of Tasks and t he act ivit es of Boar d of Commissioner s and t he commit t ees. e. Decr ee of t he Boar d of Commissioner s of PT Bank Pembangunan Daer ah Jawa Bar at , Tbk No. 0 2 SK DK 20 15dat ed Januar y 26, 20 15 on t he Wor k Guidelines of t he Risk Monit or ing Commit t ee. The composition of the Chairman and Members of the Risk Monitoring Committee Based on t he Decr ee of t he Boar d of Commissioner s of PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk No. 0 7 SK DK 20 15 dat ed Apr il 22, 20 15 on t he Division of Tasks and t he Act ivit ies of t he Boar d of Commissioner s and t he Commit t ees, t he Risk Monit or ing Commit t ee consist s of 1 one Commissioner , 2 t wo Independent Commissioner s, and 2 t wo Independent Par t ies. One independent par t y wit h exper t ise in t he f ield of f inance and one independent par t y wit h exper t ise in t he f ield of r isk management . Brief Prof ile Rudhyanto Mooduto Chair man, Independent Commissioner Rudhyant o Moodut o’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 444 Muhadi Anggot a, Komisar is Pr of il Muhadi dapat dilihat pada bagian Komisar is. Yayat Sutaryat Anggot a, Komisar is Independen Pr of il Yayat Sut ar yat dapat dilihat pada bagian Komisar is. Nury Ef f endi Anggot a Nur y Ef f endi menyelesaikan pendidikan di bidang Ekonomi di Univer sit as Padjadjar an, Bandung 1983, Mast er of Ar t s in Economics dar i Ohio St at e Univer sit y, Amer ika Ser ikat 1987, dan gelar Dokt or di bidang ekonomi dar i Univer sit y of Oklahoma, Amer ika Ser ikat 20 0 1. Mengawali kar ir sebagai dosen di Fakult as Ekonomi Univer sit as Kat olik Par ahyangan 1984 dan di Fakult as Ekonomi dan Bisnis Univer sit as Padjadjar an 1984-sekar ang. Beber apa jabat an per nah dipegangnya ant ar a lain Pembant u Dekan Bidang Akademik Fakult as Ekonomi dan Bisnis Univer sit as Padjadjar an 20 0 9-20 13 dan Dekan Fakult as Ekonomi dan Bisnis Univer sit as Padjadjar an 20 13-sekar ang. Per nah beker ja sebagai Resear ch and Teaching Assist ant In Economet r ics, St at ist ics, and Int r oduct ion t o Micr oeconomics, The Univer sit y of Oklahoma, USA 1997- 1999, Execut ive Fellow, Car l Alber t Int er nship Pr ogr am, Planning and Resear ch Unit , Oklahoma Depar t ment of Human Ser vice, USA 1999-20 0 0 . Sejak 20 0 7 ber gabung dengan bank bjb dengan posisi sebagai Anggot a Komit e Pemant au Risiko ber dasar kan Sur at Keput usan t er akhir Nomor 70 0 SK DIR-CS 20 15 t anggal 28 Juli 20 15. Tettet Fitrijanti Anggot a Tet t et menyelesaikan pendidikan di bidang Ekonomi Akunt ansi di Univer sit as Padjadjar an Bandung 1987. Gelar Magist er Ilmu Akunt ansi Keuangan dir aih dar i Univer sit as Gadjah Mada, Yogyakar t a 1998, dan mendapat kan gelar Dokt or di bidang Keuangan dar i Univer sit as Padjadjar an, Bandung 20 0 4. Muhadi Member , Commissioner Muhadi’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Yayat Sutaryat Member , Independent Commissioner Yayat ’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Nury Ef f endi Member Nur r y Ef f endi Gr aduat ed wit h a bachelor degr ee in Economy f r om t he Univer sit y of Padjadjar an Bandung in 1983, Mast er of Ar t in Economics f r om St at e Univer sit y of Ohio, USA in 1987 and Doct or of Economy f r om Univer sit y of Oklahoma in 20 0 1. He began his car eer as a lect ur er at t he Facult y of Economics, Univer sit as Kat olik Par ahyangan 1984 and at t he Facult y of Economics and Business, Univer sit as Padjadjar an 1984-pr esent . He held var ious posit ions among ot her s Vice Dean f or Academic Af f air s, Facult y of Economics and Business, Univer sit as Padjadjar an 20 0 9- 20 13 and Dean of t he Facult y of Economics and Business, Univer sit as Padjadjar an 20 13-pr esent . He also once wor ked as a Resear ch and Teaching Assist ant in Economet r ics, St at ist ics, and Int r oduct ion t o Micr oeconomics at The Univer sit y of Oklahoma, USA 1997-1999, Execut ive Fellow, Car l Alber t Int er nship Pr ogr am, Planning and Resear ch Unit , Oklahoma Depar t ment of Human Ser vices, USA 1999-20 0 0 . Since 20 0 7, he joined bank bjb wit h t he posit ion as Member of t he Risk Monit or ing Commit t ee based on last Decr ee Number 70 0 SK DIR-CS 20 15 dat ed 28 July 20 15. Tettet Fitrijanti Member Tet t et gr aduat ed in t he f ield of Economics Account ing f r om Univer sit as Padjadjar an in Bandung 1987. She holds a Mast er s of Account ing Finance f r om Univer sit as Gadjah Mada, Yogyakar t a 1998, and r eceived her doct or at e degr ee in Finance f r om Univer sit as Padjadjar an, Bandung 20 0 4. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 445 Menjabat sebagai Sekr et ar is Pr ogr am St udi Dokt or Ilmu Akunt ansi Univer sit as Padjadjar an 20 13-sekar ang, Sekr et ar is Pr ogr am St udi Magist er Ilmu Ekonomi Univer sit as Padjadjar an 20 13, Sekr et ar is Pr odi Magist er Akunt ansi Univer sit as Padjadjar an 20 11-20 13, Sekr et ar is Pusat Pengembangan Akunt ansi Univer sit as Padjadjar an 20 0 9-20 11. Sejak t ahun 1994 hingga saat ini, t er cat at sebagai dosen di Fakult as Ekonomi dan Bisnis Univer sit as Padjadjar an. Mulai ber gabung dengan bank bjb sejak t ahun 20 14 dengan posisi sebagai Anggot a Komit e Pemant au Risiko ber dasar kan Sur at Keput usan t er akhir Nomor 10 66 SK DIR-CS 20 15 t anggal 19 Januar i 20 15. Periode Jabatan Anggota Komite Pemantau Risiko Sesuai dengan Pedoman nomor 0 6 DK 20 0 7 t ent ang Pedoman Dewan Komisar is, masa jabat an anggot a komit e yang bukan mer upakan anggot a Dewan Komisar is, masa ker janya dit ent ukan oleh Dewan Komisar is dengan t et ap mengacu kepada ket ent uan GCG yang ber laku. Pengangkatan dan Pemberhentian Komite Pemantau Risiko Mekanisme dan t at a car a pengangkat an dan pember hent ian anggot a Komit e Pemant au Risiko diat ur dalam Piagam Komit e Pemant au Risiko yang disahkan oleh Keput usan Dewan Komisar is. Masa jabat an anggot a Komit e Pemant au Risiko t idak boleh lebih panjang dar i per iode jabat an anggot a Dewan Komisar is. Anggot a Komit e Pemant au Risiko yang ber asal dar i Dewan Komisar is ber hent i dengan sendir inya apabila masa jabat annya sebagai Anggot a Dewan Komisar is ber akhir , dan dapat dipilih kembali hanya unt uk sat u per iode masa jabat an ber ikut nya. Apabila Ket ua Pemant au Risiko ber hent i sebelum masa t ugasnya, Komisar is Independen lain akan menggant ikannya. Independensi Komite Pemantau Risiko Sesuai dengan per at ur an t ent ang pelaksanaan GCG, selur uh anggot a Komit e Pemant au Risiko bank bjb ber sif at independen dan t idak memiliki r angkap jabat an di dalam dan di luar Per ser oan yang dapat mempengar uhi kemampuan mer eka unt uk ber t indak independen. Independensi t er sebut t er cer min dalam hubungan keluar ga, hubungan keuangan, kepengur usan ser t a kepemilikan saham di bank bjb dan per usahaan lainnya sebagaimana t abel ber ikut : She ser ved as t he Secr et ar y of Doct or al St udies in Account ing Pr ogr am at Univer sit as Padjadjar an 20 13-pr esent , t he Secr et ar y of t he Mast er of Economics Pr ogr am at Univer sit as Padjadjar an 20 13, t he Secr et ar y of t he Mast er of Account ing Pr ogr am at Univer sit as Padjadjar an 20 11-20 13, as well as t he Secr et ar y of t he Account ing Development Cent er , Univer sit as Padjadjar an 20 0 9-20 11. Since 1994 unt il now, she ser ver s as a lect ur er at t he Facult y of Economics and Business, Univer sit as Padjadjar an. In 20 14 she began t o join bank bjb wit h a posit ion as a Member of t he Risk Monit or ing Commit t ee, based on last decr ee Number 10 66 SK DIR-CS 20 15 dat ed 19 Januar y 20 15. Work Tenure of the Members of the Risk Monitoring Committee In accor dance wit h t he Wor k Guidelines No. 0 6 DK 20 0 7 on t he Guidelines f or t he Boar d of Commissioner s, t he t enur e of t he commit t ee member s who ar e not member s of t he Boar d of Commissioner s is det er mined by t he Boar d of Commissioner s wit h r ef er ence t o t he applicable pr ovisions of cor por at e gover nance. Appointment and Discharge of the Risk Monitoring Committee Mechanisms and procedures f or the appointment and dismissal of members of the Risk Monitoring Committee is set out in the Charter of the Risk Monitoring Committee which is authorized by the Decision of Board of Commisioners. The tenure of of f ice of the members of the Risk Monitoring Committee can not be longer than the period of of f ice of the Board of Commissioners. A Risk Monitoring Committee member who is also a member of the Board of Commissioners will automatically be dismissed when his term as a member of the Board of Commissioners ended, and may be reelected only f or one of the subsequent term of of f ice period. If the Chairman of the Risk Monitoring Committee resigns bef ore its term, he will be replaced by another Independent Commissioner. Independence of the Risk Monitoring Committee Accor ding t o t he r egulat ion on Good Cor por at e Gover nance, all Member s of t he Risk Monit or ing Commit t ee of bank bjb shall be independent and shall not have concur r ent posit ions inside and out side t he company t hat could af f ect t heir abilit y t o act independent ly. The independence is r ef lect ed in f amily r elat ions, f inancial r elat ions, management as well as shar es owner ship in bank bjb and ot her companies, as shown in t he f ollowing t able: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 446 Aspek Independensi Rudhyanto Mooduto Muhadi Yayat Sutaryat Nury Ef f endi Tettet Fitrijanti Independency Aspects Tidak memiliki hubungan keuangan dengan Dewan Komisar is dan Dir eksi ¥ ¥ ¥ ¥ ¥ Do not have f inancial r elat ions wit h t he BOC and BOD Tidak memiliki hubungan kepengur usan di bank bjb, anak per usahaan maupun per usahaan af iliasi ¥ ¥ ¥ ¥ ¥ Do not have management r elat ions in bank bjb, it s subsidiar ies and t he r elat ed companies Tidak memiliki hubungan kepemilikan saham di bank bjb ¥ ¥ ¥ ¥ ¥ Do not have shar es owner ship in bank bjb Tidak memiliki hubungan keluar ga dengan Dewan Komisar is, Dir eksi dan at au sesama anggot a Komit e Audit ¥ ¥ ¥ ¥ ¥ Do not have f amily r elat ions wit h t he BOC, BOD, and or ot her member s of t he Risk Monit or ing Commit t ee Tidak menjabat sebagai pengur us par t ai polit ik, pejabat pemer int ah daer ah ¥ ¥ ¥ ¥ ¥ Do not hold posit ion in a polit ical par t y, or as local gover nment of f icial Tugas dan Tanggung Jawab Komite Pemantau Risiko Tugas Dan Tanggung Jawab Sesuai Per at ur an Bank Indonesia Nomor 8 4 PBI 20 0 6 Tent ang Pelaksanaan Good Cor por at e Gover nance Bagi Bank Umum, dimana salah sat u t ugas Dewan Komisar is adalah wajib memast ikan t er selenggar anya pelaksanaan Good Cor por at e Gover nance dalam kegiat an usaha bank pada selur uh t ingkat an at au jenjang or ganisasi. Unt uk mendukung kegiat an t er sebut , Dewan Komisar is wajib membent uk Komit e Pemant au Risiko. Komit e t er sebut mer upakan alat kelengkapan Dewan Komisar is yang ber f ungsi memonit or r isiko dan mengevaluasi penilaian at as pelaksanaan kebijakan manajemen r isiko bank, mengevaluasi per baikan yang dilakukan at as kebijakan, pr osedur dan pr akt ik manajemen r isiko bank guna memast ikan t elah dilakukannya pengelolaan r isiko dengan baik, t er ut ama pada pengelolaan r isiko kr edit , r isiko pasar , r isiko likuidit as, r isiko oper asional, dan r isiko bank lainnya. Sebagaimana diat ur dalam Pasal 2 Per at ur an Bank Indonesia Nomor 5 8 PBI 20 0 3 sebagaimana t elah diubah dengan Per at ur an Bank Indonesia Nomor 11 25 PBI 20 0 9 t ent ang Pener apan Manajemen Risiko Bagi Bank Umum, bank wajib mener apkan Manajemen Risiko secar a ef ekt if baik unt uk bank secar a individual maupun unt uk bank secar a konsolidasi dengan per usahaan anak, yang paling kur ang mencakup 4 empat pilar yait u: 1. Pengawasan akt if Dewan Komisar is dan Dir eksi; 2. Kecukupan kebijakan, pr osedur dan penet apan limit ; 3. Kecukupan pr oses ident if ikasi, pengukur an, pemant auan, dan pengendalian Risiko ser t a sist em inf or masi Manajemen Risiko; dan 4. Sist em pengendalian int er n yang menyelur uh. Duties and Responsibilities of the Risk Monitoring Committee Duties and Responsibilities Accor ding t o Bank Indonesia Regulat ion Number 8 4 PBI 20 0 6 on t he Implement at ion of Good Cor por at e Gover nance f or Commer cial Banks, one of t he t asks t he Boar d of Commissioner s is t o ensur e t he implement at ion of Good Cor por at e Gover nance in t he Bank’s business act ivit ies at all levels of t he or ganizat ion. To suppor t t his t ask, t he Boar d of Commissioner s shall est ablish a Risk Monit or ing Commit t ee. The commit t ee is a suppor t ing or gan f or t he BOC t hat has t he f unct ion t o monit or r isks and evaluat e t he assessment on t he implement at ion of t he Bank’s r isk management policies, evaluat e t he impr ovement s on policies, pr ocedur es and r isk management pr act ices of banks in or der t o ensur e t hat r isks ar e well managed, especially cr edit r isk, mar ket r isk, liquidit y r isk, oper at ional r isk, and ot her r isks. In accor dance t o PBI No 5 8 PBI 20 0 3, Ar t icle 2, as amended by Bank Indonesia Regulat ion number 11 25 PBI 20 0 9 concer ning t he Applicat ion of Risk Management f or Commer cial Banks, r equir e t he Bank t o ef f ect ively implement Risk Management , bot h individually and consolidat ed wit h it s subsidiar ies, which at least includes 4 f our pillar s, namely: 1. The act ive super vision of t he Boar d of Commissioner s and Boar d of Dir ect or s; 2. The adequacy of policies, pr ocedur es and limit s; 3. Adequacy of t he pr ocess of ident if icat ion, measur ement , monit or ing, and cont r olling r isk, and r isk management inf or mat ion syst em; and 4. Thor ough int er nal cont r ol syst em. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 447 Wewenang dan t anggung jawab Dewan Komisar is, paling kur ang meliput i: 1. Menyet ujui kebijakan Manajemen Risiko t er masuk st r at egi dan ker angka Manajemen Risiko yang dit et apkan sesuai dengan t ingkat Risiko yang akan diambil r isk appet it e dan t oler ansi Risiko r isk t oler ance Bank; 2. Mengevaluasi kebijakan Manajemen Risiko dan St r at egi Manajemen Risiko paling kur ang sat u kali dalam sat u t ahun at au dalam f r ekuensi yang lebih ser ing dalam hal t er dapat per ubahan f akt or -f akt or yang mempengar uhi kegiat an usaha bank secar a signif ikan; 3. Mengevaluasi per t anggungjawaban Dir eksi dan member ikan ar ahan per baikan at as pelaksanaan kebijakan Manajemen Risiko secar a ber kala. Evaluasi dilakukan dalam r angka memast ikan bahwa Dir eksi mengelola akt ivit as dan Risiko-Risiko Bank secar a ef ekt if . Tugas danTanggung Jawab Terkait Pemantauan Risiko Tugas dan Tanggung Jawab Komite Pemantau Risiko meliputi: Mengevaluasi kesesuaian ant ar a kebijakan manajemen r isiko dengan pelaksanaan kebijakan t er sebut : 1. Mengevaluasi dan menganalisa secar a ber kala kesesuaian kebijakan manajemen r isiko dengan per at ur an, ser t a kecukupan kebijakan manajemen r isiko, dan member ikan pendapat ber upa sar an dan at au r ekomendasi kepada Dewan Komisar is unt uk per baikan dan penyempur naan kebijakan manajemen r isiko yang diper lukan. 2. Ber sama-sama dengan Komit e Pemant au Bisnis dan Per kr edit an member ikan pendapat dan r ekomendasi kepada Dewan Komisar is dalam r angka per set ujuan Rencana Bisnis Bank RBB. 3. Ber sama-sama dengan Komit e Pemant au Bisnis dan Per kr edit an mengevaluasi dan menganalisa lapor an r ealisasi Rencana Bisnis Bank RBB ser t a member ikan t anggapan ber upa r ekomendasi at as lapor an dimaksud. Memant au dan mengevaluasi pelaksanaan t ugas Komit e Manajemen Risiko dan Sat uan Ker ja Manajemen Risiko: 1. Mengevaluasi dan menganalisa lapor an pr of ile r isiko bank bjb secar a t r iwulanan ser t a lapor an lain at au hasil kajian yang r elevan dan member ikan pendapat ber upa sar an dan at au r ekomendasi unt uk per baikan dan penyempur naan yang diper lukan. The aut hor it ies and r esponsibilit ies of t he Boar d of Commissioner s shall at least include: 1. Appr ove t he r isk management policy, including t he st r at egy and r isk management f r amewor k which shall be det er mined in accor dance t o t he level of r isk t o be t aken r isk appet it e and t he Bank’s r isk t oler ance; 2. Evaluat e t he Risk Management Policy and Risk Management St r at egy at least once in a year or mor e f r equent in t he event of changes in t he f act or s which signif icant ly af f ect t he Bank’s business; 3. Evaluat e t he account abilit y of t he Boar d of Dir ect or s and per iodically pr ovide cor r ect ive dir ect ions on t he implement at ion of r isk management policy. Evaluat ion is per f or med in or der t o ensur e t hat t he Boar d of Dir ect or s has managed t he Bank’s act ivit ies and Risks ef f ect ively. Duties and Responsibilities Related to Risk Monitoring The Duties and Responsibilites of the Risk Monitoring Committee include: Evaluat e t he suit abilit y of t he applicat ion of r isk management policy: 1. Per iodically evaluat e and analyze t he suit abilit y of r isk management policies and r egulat ions, and t he adequacy of r isk management policies, and pr ovide opinions in t he f or m of advice or r ecommendat ions t o t he Boar d of Commissioner s f or necessar y r epair s and impr ovement s on t he r isk management policies. 2. Toget her wit h t he Business and Cr edit Monit or ing Commit t ee pr ovide opinions and r ecommendat ions t o t he Boar d of Commissioner s r elat ed t o t he appr oval of t he Bank Business Plan RBB. 3. Toget her wit h t he Business and Cr edit Monit or ing Commit t ee evaluat e and analyze r epor t s on t he r ealizat ion of t he Bank Business Plan RBB and pr ovide f eedback in t he f or m of r ecommendat ions on t he r epor t in quest ion. Monit or and evaluat e t he implement at ion of t he Dut ies of Risk Management Commit t ee and Risk Management Unit : 1. Evaluat e and analyze bank bjb’s r isk pr of ile r epor t on a quar t er ly basis as well as ot her r epor t s or t he r esult s of r elevant st udies and pr ovide opinions in t he f or m of advice or r ecommendat ion f or t he necessar y r epair s and impr ovement s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 448 2. Mengevaluasi menganalisa lapor an t ingkat kesehat an bank unt uk bagian pr of il r isiko dan Good Cor por at e Gover nance. 3. Memant au kecukupan pr oses ident if ikasi, pengukur an, pemant auan, pengendalian dan sist em inf or masi manajemen r isiko bank bjb. 4. Menyusun dan melaksanakan r encana ker ja t ahunan Komit e Pemant au r isiko sesuai ar ahan Komisar is dan ket ent uan yang ber laku di Bank. Pelaksanaan Tugas Khusus 1. Melakukan t ugas lain yang diber ikan Dewan Komisar is dalam bat asan lingkup ker ja Komit e Pemant au r isiko sesuai ket ent uan per undang-undangan dan per at ur an Bank Indonesia yang ber laku. 2. Dalam hal keper luan penugasan yang diber ikan Dewan Komisar is, maka Komit e Pemant au r isiko dapat mengusulkan kepada Dewan Komisar is unt uk menggunakan jasa konsult an sebagai pendamping. 3. Menyampaikan lapor an pelaksanaan t ugas khusus kepada Dewan Komisar is. Laporan Kegiatan 20 15 Sesuai pedoman ker ja Komit e Pemant au Risiko KPR, maka pada t ahun 20 15 dir ealisasikan r encana ker ja sebagai ber ikut : No Program Kegiatan KPR Tahun 20 15 Mortgage Activity Program 20 15 1. Mengevaluasi r ealisasi r encana ker ja KPR Tahun 20 14 dan menet apkan r encana ker ja KPR Tahun 20 15 menet apkan r encana ker ja KPR Tahun 20 15 Evaluat e t he r ealizat ion of t he wor k plan and est ablish Mor t gage 20 14 Mor t gage 20 15 wor k plan set a wor k plan KPR 20 15 2. Mereview Pedoman dan Tat a Ter t ib Ker ja Komit e Pemant au Risiko KPR Reviewing t he Wor king Guidelines and Rules of Conduct Risk Monit or ing Commit t ee KPR 3. Mengevaluasi kecukupan pener apan manajemen r isiko, baik dar i aspek or ganisasi, kebijakan, per angkat ker ja, dan implement asinya ser t a member ikan r ekomendasi bagi Dekom Evaluat e t he adequacy of r isk management , bot h f r om t he aspect of or ganizat ion, policies, wor k t ools, and pr act ice and pr ovide r ecommendat ions f or t he BOC 4. Monit oring at as r ekomendasi yang diber ikan oleh Dekom ber dasar kan hasil evaluasi pada but ir 3 Monit or ing on t he r ecommendat ions given by Dekom based on t he evaluat ion in par agr aph 3 5. Mengevaluasi lapor an Pr of il Risiko, ser t a melapor kan dan member ikan r ekomendasi ber dasar kan hasil evaluasi t er sebut kepada Dewan Komisar is Evaluat ing t he r isk pr of ile r epor t , and r epor t and make r ecommendat ions based on t he evaluat ion r esult s t o t he Boar d of Commissioner s 6. Menelaah Analisa Root Cause Cr edit Risk RCCR Root Cause Analysis examines t he Cr edit Risk RCCR 7. Menelaah Liquidit y Cr edit St r ess Test Examining Liquidit y Cr edit St r ess Test 8. Memant au lapor an self assesment Tingkat Kesehat an Bank Monit or t he self -assessment r epor t of t he Bank 9. Me r eview Dr af t Per ubahan Kebijakan Per kr edit an Bank Umum PKBU Reviewing Dr af t Policy Change Cr edit Commer cial Bank PKB 10 . Membahas Pengembangan Sumber Daya dan Tekonologi Inf or masi t er kait Risiko Oper asional unt uk per baikan Tingkat Risiko dan Tingkat Kesehat an bank Discussing Resour ce Development and Inf or mat ion Technology r elat ed t o t he impr ovement of Oper at ional Risk Risk Level and Soundness bank 2. Evaluat e and analyze t he r epor t on t he Bank’s healt h level in t er ms of r isk pr of ile and Good Cor por at e Gover nance. 3. Monit or t he adequacy of t he bank bjb’s pr ocess of ident if icat ion, measur ement , monit or ing, cont r ol and r isk management inf or mat ion syst em. 4. For mulat e and implement an annual wor k plan of t he Risk Monit or ing Commit t ee based on t he dir ect ions of t he Boar d of Commissioner s and t he applicable pr ovisions of t he Bank. Special Duties 1. Per f or m ot her dut ies assigned by t he Boar d of Commissioner s wit hin t he scope of t he Risk Monit or ing Commit t ee in accor dance t o t he pr evailang Bank Indonesia laws and r egulat ions. 2. For t he assignment s given by t he Boar d of Commissioner s, t he Risk Monit or ing Commit t ee may pr opose t o t he BOC t he use of t he ser vices of a consult ant . 3. Deliver t he r epor t on special dut ies t o t he Boar d of Commissioner s. Report on the Activities Conducted in 20 15 Based on t he wor k guidelines of t he t he Risk Monit or ing Commit t ee, in 20 15 t he wor k plan r ealized: St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 449 No Program Kegiatan KPR Tahun 20 15 Mortgage Activity Program 20 15 11 Peningkat an kapasit as Ket ua dan Anggot a KPR melalui Wor kshop , Seminar , dan Benchmar king Incr easing t he capacit y of t he Chair man and Member s of mor t gages t hr ough wor kshops, seminar s, and Benchmar king 12. Melaksanakan t ugas lain yang diber ikan oleh Dewan Komisar is ber dasar kan ket ent uan per at ur an per undang-undangan yang ber laku Car r y out ot her dut ies assigned by t he Boar d of Commissioner s under t he pr ovisions of t he legislat ion in f or ce Mekanisme Kerja Komit e Pemant au Risiko beker ja ber dasar kan pr ogr am ker ja t ahunan yang disusun dan diset ujui Dewan Komisar is, diant ar anya kegiat an pemant auan r isiko r ut in bulanan, t r iwulanan, dan t ahunan, ser t a kegiat an yang t idak dit et apkan wakt u pelaksanaannya seper t i kegiat an peningkat an kapabilit as Ket ua dan anggot a KPR. KPR melaksanakan r apat r ut in yang mer upakan r apat int er nal KPR, r apat koor dinasi dengan Divisi Manajemen Risiko, Divisi Kepat uhan, at au r apat gabungan dengan Komit e Pemant au Bisnis Per kr edit an KPBP, Komit e Audit , dan dengan bagian lain sesuai pr ogr am ker ja dan kebut uhan. Frekuensi Pertemuan Rapat dan Tingkat Kehadiran Anggota Komite Pemantau Risiko Selama t ahun 20 15, Komit e Pemant au Risiko t elah menyelenggar akan per t emuan sebanyak 19 kali. Ber ikut inf or masi t ingkat kehadir an Anggot a Komit e Pemant au Risiko dalam Rapat di t ahun 20 15: NO Nomor Surat Letter Number Tanggal Rapat Date of Meeting Perihal Mat t er s Taufiequrachman Ruki Achmad Baraba Rudhyanto Mooduto Muhadi Yayat Sutaryat Tettet Fitrijanti Nury Effendi 1 0 0 1 DK- KPR 20 15 13 Januar i 20 15 - Pembahasan Kebijakan Per kr edit an bank bjb - Pembahasan Pedoman dan Tat a Ter t ib Ker ja KPR - Pembahasan Pr ogr am Ker ja KPR Tahun 20 15 - Lain-lain. - Discussion on bank bjb’s Cr edit Policy - Discussion on t he Guidelines and Rules of t he RMC - Discussion on t he Wor k Pr ogr am of t he RMC in 20 15 - Ot her s 1 1 1 1 1 1 2 0 0 2 DK- KPR 20 15 26 Januar i 20 15 - Pembahasan Kebijakan Per kr edit an bank bjb - Pembahasan Pedoman dan Tat a Ter t ib Ker ja KPR - Pembahasan Pr ogr am Ker ja KPR Tahun 20 15 - Discussion on bank bjb’s Cr edit Policy - Discussion on t he Guidelines and Rules of t he RMC - Discussion on t he Wor k Pr ogr am of t he RMC in 20 15 1 1 1 1 3 0 0 3 DK- KPR 20 15 0 3 Febr uar i 20 15 - Pembahasan Kebijakan Per kr edit an Bank Umum bank bjb - Lain lain - Discussion on bank bjb’s Cr edit Policy - Ot her s 1 1 1 1 1 Mechanism of Work The Risk Monit or ing Commit t ee wor ks based on t he annual wor k pr ogr am pr epar ed and appr oved by t he Boar d of Commissioner s, including t he mont hly, quar t er ly, and year ly r isk monit or ing act ivit ies, as well as act ivit ies wit h no set of t imef r ame such as t he act ivit ies t o impr ove t he capabilit ies of t he Chair man and member s of t he RMC. The RMC holds weekly meet ing which is t he int er nal RMC meet ing, coor dinat ion meet ing wit h t he Division of Risk Management , Audit Commit t ee, or joint meet ings wit h ot her unit s accor ding t o t he wor k pr ogr ams and needs. Frequency of Meetings and the Level of Attendance of the Members of the Risk Monitoring Committee Dur ing 20 15, t he Risk Monit or ing Commit t ee held 19 ninet een meet ings. The f ollowing t able descr ibes t he level of at t endance of t he member s of t he Risk Monit or ing Commit t ee in t he meet ings held in 20 15: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 450 NO Nomor Surat Letter Number Tanggal Rapat Date of Meeting Perihal Mat t er s Taufiequrachman Ruki Achmad Baraba Rudhyanto Mooduto Muhadi Yayat Sutaryat Tettet Fitrijanti Nury Effendi 4 0 0 4 DK- KPR 20 15 0 5 Febr uar i 20 15 - Pembahasan Kebijakan Per kr edit an Bank Umum bank bjb - Discussion on bank bjb’s Cr edit Policy 1 1 1 1 1 5 0 0 6 DK- KPR 20 15 25 Mar et 20 15 - Pembahasan Pr of il Risiko Konsolidasibank bjb Tr iwulan IV Tahun 20 14 - Lapor an Kegiat an KPR Tr iwulan I 20 15 - Lain-lain - Discussion t he bank bjb’s consolidat ed r isk in Tr imest er IV 20 14 - Repor t on t he Act ivit ies of t he RMC in Tr imest er I 20 15 - Ot her s 1 1 1 1 6 0 0 6 DK- KPBP 20 15 15-Apr -15 - Pembahasan Tingkat Kesehat an bank bjb - Lain-lain - Discussion on t he healt h level of bank bjb - Ot her s 1 1 1 1 1 7 0 0 7 DK- KPR 20 15 29-Apr -15 - Pembahasan Tingkat Kesehat an bank bjb - Lain-lain. - Discussion on t he healt h level of bank bjb - Ot her s 1 1 1 1 8 0 0 8 DK- KPR 20 15 0 6 Mei 20 15 - Pembahasan Tingkat Kesehat an bank bjb - Lain-lain. - Discussion on t he healt h level of bank bjb - Ot her s 1 1 1 9 0 0 9 DK- KPR 20 15 13 Mei 20 15 - Pembahasan Tingkat Kesehat an bank bjb - Lain-lain. - Discussion on t he healt h level of bank bjb - Ot her s 1 1 1 1 10 0 11 DK- KPR 20 15 10 Juni 20 15 - Pembahasan Tingkat Kesehat an bank bjb - Lain-lain. - Discussion on t he healt h level of bank bjb - Ot her s 1 1 11 0 13 DK- KPBP 20 15 0 8 Juli 20 15 - Pembahasan Rekomendasi Ter kait Tingkat Kesehat an bank bjb - Lain-lain - Discussion on t he r ecoomendat ions r elat ed t o bank bjb’s healt h level - Ot her s 1 1 1 1 12 0 14 DK- KPBP 20 15 23 Juli 20 15 - Pembahasan Sur at Rekomendasi Kepada Dewan Komisar is dan Dir eksi - Lain-lainnya - Discussion on t he Recommendat ion Let t er t o t he BOC and t he BOD - Ot her s 1 1 1 1 1 13 0 17 DK- KPBP 20 15 2-Sep-15 - Pemabahasan Pr of il Risiko Tr iwulan II dan Tingkat Kesehat an bank bjb Semest er I. - Lain-lain - Discussion on t he Risk Pr of ile in Tr imest er II and bank bjb’s healt h level in Semest er I. - Ot her s 1 1 1 14 0 18 DK- KPBP 20 15 8-Sep-15 - Pembahasan OPEX bank bjb - Lain-lain - Discussion on bank bjb’s opex - Ot her s 1 1 1 1 1 St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 451 NO Nomor Surat Letter Number Tanggal Rapat Date of Meeting Perihal Mat t er s Taufiequrachman Ruki Achmad Baraba Rudhyanto Mooduto Muhadi Yayat Sutaryat Tettet Fitrijanti Nury Effendi 15 0 19 DK- KPBP 20 15 30 -Sep-15 - Pembahasan Kiner ja bank bjb Per iode Agust us 20 15 - Lain-lain - Discussion on t he per f or mance of bank bjb in t he per iod of August 20 15 - Ot her s 1 1 1 16 0 13 DK- KPR 20 15 4-Nov-15 - Pembahasan Pr of il Risiko Tr iwulan III 20 15 - Pembahasan Liquidit y and Cr edit Risk St r ess Test - Lain-lain - Discussion on t he RIsk Pr of ile in Tr imest er III 20 15 - Discussion on Liquidit y and Cr edit Risk St r ess Test - Ot her s 1 1 1 1 17 . 0 14 DK- KPR 20 15 17-Nov-15 - Pembahasan indikat or pr of il r isiko t r iwulan III 20 15 - Lain-lain - Discussion on t he r isk pr of ile indicat or f or Tr imest er III 20 15 - Ot her s 1 1 1 18 0 22 DK- KPBP 20 15 24-Nov-15 - Pembahasan Rekomendasi KPBP dan KPR kepada Dewan Komisar is - Lain-lain - Discussion on t he Recommendat ions f r om t he KPBP and RMC f or t he BOC - Ot her s 1 1 1 19 0 15 DK- KPR 20 15 30 Desember 20 15 - Pembahasan Pr ogr am Ker ja KPR dan KPBP Tahun 20 16 - Lain-lain - Discussion on t he Wor k Pr ogr am of t he KPR and KPBP in 20 16 - Ot her s 1 1 1 1 Tidak lagi menjabat sebagai anggot a Dewan Komisar is Per ser oan sejak 31 Mar et 20 15 No longer ser ved as a member of t he Boar d of Commissioner s of t he Company since Mar ch 31, 20 15 Komite Pemantau Bisnis dan Perkreditan Komit e Pemant au Bisnis Dan Per kr edit an bank bjb mer upakan salah sat u komit e yang dibent uk Dewan Komisar is Bank dalam r angka mendukung ef ekt ivit as pelaksanaan t ugas dan t anggung jawabnya, t er ut ama yang ber kait an dengan bisnis dan per kr edit an. KPBP bank bjb unt uk per iode t ahun 20 15 dibent uk ber dasar kan: a. Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t anggal 30 Januar i 20 0 6 t ent ang Good Cor por at e Gover nance. b. Per at ur an Bank Indonesia nomor 8 14 PBI 20 0 6 t anggal 5 Okt ober 20 0 6 t ent ang Per ubahan at as Per at ur an Bank Indonesia nomor 8 4 PBI 20 0 6 t ent ang Good Cor por at e Gover nance. c. Sur at Edar an Bank Indonesia nomor 9 12 DPNP t anggal 30 Mei 20 0 7 t ent ang Pelaksanaan Good Cor por at e Gover nance bagi Bank Umum. The Business and Credit Monitoring Committee The Business and Cr edit Monit or ing Commit t ee of bank bjb is one of t he commit t ees t hat was est ablished by t he Boar d of Commissioner s in or der t o suppor t ef f ect ive implement at ion of it s t asks and r esponsibilit ies, par t icular ly t hose r elat ed t o business and cr edit . bank bjb’s Business and Cr edit Monit or ing Commit t ee f or t he per iod of 20 15 was est ablished based on: a. Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 dat ed Januar y 30 , 20 0 6 on Good Cor por at e Gover nance; b. Bank Indonesia Regulat ion No. 8 14 PBI 20 0 6 dat ed Oct ober 5, 20 0 6 on t he Amendment t o Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 on Good Cor por at e Gover nance; c. Bank Indonesia Cir cular Let t er No. 9 12 DPNP dat ed May 30 , 20 0 7 on t he Implement at ion of Good Cor por at e Gover nance f or Commer cial Banks; Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 452 d. Sur at Keput usan Dewan Komisar is PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk. nomor 0 7 SK DK 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e. e. Sur at Keput usan Dewan Komisar is PT Bank Pembangunan Daer ah Jawa Bar at dan Bant en, Tbk. nomor 0 5 SK DK 20 15 t anggal 3 Mar et 20 15 Tent ang Pedoman dan Tat a Ter t ib Ker ja Komit e Pemant au Bisnis dan Per kr edit an. Susunan Ketua dan Anggota Komite Pemantau Bisnis dan Perkreditan Susunan Komit e Pemant au Bisnis Dan Per kr edit an sesuai Sur at Keput usan Dewan Komisar is nomor 0 7 SK DK 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e yang t er dir i dar i 1 sat u Komisar is, 1 sat u Komisar is Independen, 2 dua Pihak Independen. No Jabatan Nama Name Position 1. Ket ua Rudhyanto Mooduto Komisar is Independen | Independent Commissioner Chair man 2. Anggot a Muhadi Komisar is | Commissioner Member 3. Anggot a Agus Hery Subagyo Pihak Independen | Independent Par t y Member 4. Anggot a Usman Pihak Independen | Independent Par t y Member Pihak Independen t er sebut ahli dalam bidang keuangan sesuai dengan pengalaman beker ja dalam bidang per bankan. Prof il Singkat Rudhyanto Mooduto Ket ua, Komisar is Independen Pr of il Rudhyant o Moodut o dapat dilihat pada bagian Komisar is. Muhadi Anggot a, Komisar is Pr of il Muhadi dapat dilihat pada bagian Komisar is. Agus Hery Subagyo Anggot a. Agus menyelesaikan pendidikan di bidang Ekonomi Per usahaan di Univer sit as Br awijaya, Malang 1980 , dan d. Decr ee of t he Boar d of Commissioner s of PT Bank Jabar No. 0 7 SK DK 20 15 dat ed Apr il 22, 20 15 on t he Division of Tasks and t he act ivit es of Boar d of Commissioner s and t he commit t ees. e. Decr ee of t he Boar d of Commissioner s of PT Bank Pembangunan Daer ah Jawa Bar at , Tbk No. 0 5 SK DK 20 15 dat ed Mar ch 3, 20 15 on t he Wor k Guidelines of t he Business and Cr edit Monit or ing Commit t ee. The composition of the Chairman and Members of the Business and Credit Monitoring Committee Based on the Decree of the BOC of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk No. 07 SK DK 2015 dated April 22, 2015 on the Division of Tasks and the Activities of the BOC and the Committees, the Business and Credit Monitoring Committee consists of 1 one Commissioner, 1 one Independent Commissioners, and 2 two Independent Parties. The Independent Par t ies have t he exper t ise in t he f ield of f inance based on t heir wor k exper ience in banking. Brief Prof ile Rudhyanto Mooduto Chair man, Independent Commissioner Rudhyant o Moodut o’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Muhadi Member , Commissioner Muhadi’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Agus Hery Subagyo Member . Agus gr aduat ed in Economics f r om Univer sit as Br awijaya, Malang 1980 , and obt ained a Mast er degr ee in Agr ibusiness St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 453 gelar Magist er Manajemen Agr ibisnis diper oleh dar i Inst it ut Per t anian Bogor 1997. Mengawali kar ir di Bank Negar a Indonesia 1980 -1981 sebagai PKN Tr ainee Divisi Kar yawan Kant or Pusat . Selama 30 t ahun ber kar ir di BNI dan menempat i ber bagai jabat an ant ar a lain Pimpinan BNI Cabang Padang 20 0 3-20 0 4, Wakil Pimpinan Divisi Kor por asi 20 0 6-20 0 7, Wakil Pimpinan Divisi Bidang Risiko Kr edit 20 0 7-20 10 . Posisi t er akhir nya sebagai Pgs. Pimpinan Divisi Kebijakan dan Manajemen Risiko 20 10 . Pimpinan Divisi Usaha Menengah GM Cor por at e BNI Syar iah 20 10 -20 12. Sejak 20 13 ber gabung dengan bank bjb dengan posisi sebagai Pemasar an Unit Bisnis dan Pendidikan bank bjb Syar iah 20 13-20 14. Menjabat sebagai Anggot a Pemant au Bisnis dan Per kr edit an 20 15-sekar ang, ber dasar kan Sur at Keput usan Nomor 232 SK DIR-CS 20 15 t anggal 0 4 Mar et 20 15. Usman Anggot a. Usman menyelesaikan pendidikan di bidang Ekonomi Manajemen di Univer sit as Abdur r ahman Saleh Sit ubondo 1986. Mengawali kar ir per bankannya di Bank Negar a Indonesia ket ika ber ker ja sebagai Tr ainee 1980 . Selama hampir 30 t ahun beker ja di bank t er sebut dan t elah menempat i ber bagai posisi ant ar a lain Pemimpin Bidang Oper asional Cabang IKIP Bandung 1996-1997, Pgs Pemimpin Cabang IKIP Bandung 1997-1999, Pemimpin Cabang Bangko, Jambi 1999-20 0 2, Pemimpin Cabang Kant or Cabang Makassar 20 0 8-20 0 9, Pgs Pemimpin Kant or Wilayah Padang 20 10 , dan St af Divisi Jar ingan dan Layanan Kant or Besar 20 10 . Sejak 20 15, ber gabung dengan bank bjb dengan posisi sebagai Anggot a Komit e Pemant au Bisnis dan Per kr edit an ber dasar kan Sur at Keput usan Nomor 233 SK DIR-CS 20 15 t anggal 4 Mar et 20 15. Periode Jabatan Anggota Komite Pemantau Bisnis dan Perkreditan Sesuai dengan Pedoman nomor 0 6 DK 20 0 7 t ent ang Pedoman Dewan Komisar is, masa jabat an anggot a komit e yang bukan mer upakan anggot a Dewan Komisar is, masa ker janya dit ent ukan oleh Dewan Komisar is dengan t et ap mengacu kepada ket ent uan GCG yang ber laku. Management f r om Inst it ut Per t anian Bogor 1997. He began his career in Bank Negara Indonesia 1980-1981 as PKN Trainee Employees Division at the Head Of f ice. He worked in BNI f or 30 years and held various positions including the Head of BNI Padang 2003-2004, Vice President of the Corporate Division 2006-2007, Vice President of the Credit Risk Division 2007-2010. His last positions were as the acting Head of the Policy and Risk Management Division 2010 and the Head of the Medium Enterprises Division GM Corporate of BNI Syariah 2010-2012. He joined bank bjb in 20 13 bjb wit h t he posit ion in t he Business Unit Mar ket ing and bank bjb Syar iah educat ion 20 13-20 14. He ser ves as a member of t he Business and Cr edit Monit or ing Commit t ee 20 15-pr esent , based on last decr ee Number 232 SK DIR-CS 20 15 dat ed 0 4 Mar ch 20 15. Usman Member . Usman gr aduat ed in Economics Management f r om Univer sit as Abdur achman Saleh Sit ubondo 1986. He began his banking car eer in Bank Negar a Indonesia as a Tr ainee 1980 . For near ly 30 year s wor king in t he Bank he held var ious posit ions which include Head of Oper at ions of IKIP Bandung Br anch 1996-1997, Act ing Head of IKIP Bandung 1997-1999, Head of Bangko Jambi Br anch 1999- 20 0 2, Head of Makassar Br anch 20 0 8-20 0 9, Act ing Head of Padang Br anch 20 10 , and t he st af f of t he Net wor k and Main Of f ice Ser vice Division 20 10 . He joined bank bjb since 20 15 wit h t he posit ion as Member of t he Business and Cr edit Monit or ing Commit t ee based on last Decr ee 233 SK DIR-CS 20 15 dat ed 4 Mar ch 20 15. Work Tenure of the Members of the Business and Credit Monitoring Committee In accor dance wit h t he Wor k Guidelines No. 0 6 DK 20 0 7 on t he Guidelines f or t he Boar d of Commissioner s, t he t enur e of t he commit t ee member s who ar e not member s of t he Boar d of Commissioner s is det er mined by t he Boar d of Commissioner s wit h r ef er ence t o t he applicable pr ovisions of cor por at e gover nance. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 454 Pengangkatan dan Pemberhentian Komite Pemantau Bisnis dan Perkreditan Mekanisme dan t at a car a pengangkat an dan pember hent ian anggot a Komit e Pemant au Bisnis dan Per kr edit an diat ur dalam Piagam Komit e Pemant au Bisnis dan Per kr edit an yang disahkan oleh Keput usan Dewan Komisar is. Masa jabat an anggot a Komit e Pemant au Bisnis dan Per kr edit an t idak boleh lebih panjang dar i per iode jabat an anggot a Dewan Komisar is. Anggot a Komit e Pemant au Bisnis dan Per kr edit an yang ber asal dar i Dewan Komisar is ber hent i dengan sendir inya apabila masa jabat annya sebagai Anggot a Dewan Komisar is ber akhir , dan dapat dipilih kembali hanya unt uk sat u per iode masa jabat an ber ikut nya. Apabila Ket ua Komit e Pemant au Bisnis dan Per kr edit an ber hent i sebelum masa t ugasnya, Komisar is Independen lain akan menggant ikannya. Independensi Komite Pemantau Bisnis dan Perkreditan Sesuai dengan per at ur an t ent ang pelaksanaan GCG, selur uh anggot a Komit e Pemant au Bisnis dan Per kr edit an bank bjb ber sif at independen dan t idak memiliki r angkap jabat an di dalam dan di luar Per ser oan yang dapat mempengar uhi kemampuan mer eka unt uk ber t indak independen. Independensi t er sebut t er cer min dalam hubungan keluar ga, hubungan keuangan, kepengur usan ser t a kepemilikan saham di bank bjb dan per usahaan lainnya sebagaimana t abel ber ikut : Aspek Independensi Rudhyanto Mooduto Muhadi Agus Hery Subagyo Usman Indepencence Aspect Tidak memiliki hubungan keuangan dengan Dewan Komisar is dan Dir eksi ¥ ¥ ¥ ¥ Do not have f inancial r elat ions wit h t he Boar d of Commissioner s and Boar d of DIr ect or s Tidak memiliki hubungan kepengur usan di bank bjb, anak per usahaan maupun per usahaan af iliasi ¥ ¥ ¥ ¥ Do not have management r elat ions in bank bjb, it s subsidiar ies and t he r elat ed companies Tidak memiliki hubungan kepemilikan saham di bank bjb ¥ ¥ ¥ ¥ Do not have shares ownership in bank bjb Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi dan atau sesama anggota Komite Audit ¥ ¥ ¥ ¥ Do not have family relations with the BOC, BOD, and or other members of the Business and Credit Monitoring Committee Tidak menjabat sebagai pengur us par t ai polit ik, pejabat pemer int ah daer ah ¥ ¥ ¥ ¥ Do not hold posit ion in a polit ical par t y, or as local gover nment of f icial Tugas dan Tanggung Jawab Komite Pemantau Bisnis dan Perkreditan Tugas KPBP memiliki t ugas: 1. Memant au kebijakan ser t a jalannya bisnis dan per kr edit an bank 2. Tugas lain yang diber ikan oleh Dewan Komisar is Appointment and Discharge of the Business and Credit Monitoring Committee Mechanisms and procedures f or the appointment and dismissal of members of the Business and Credit Monitoring Committee is set out in the Charter of the Business and Credit Monitoring Committee which is authorized by the Decision of Board of Commisioners. The tenure of of f ice of the members of the Business and Credit Monitoring Committee can not be longer than the period of of f ice of the Board of Commissioners. A Business and Credit Monitoring Committee member who is also a member of the Board of Commissioners will automatically be dismissed when his term as a member of the Board of Commissioners ended, and may be reelected only f or one of the subsequent term of of f ice period. If the Chairman of the Business and Credit Monitoring Committee resigns bef ore its term, he will be replaced by another Independent Commissioner. Independence of the Business and Credit Monitoring Committee Accor ding t o t he r egulat ion on Good Cor por at e Gover nance, all Member s of t he Business and Cr edit Monit or ing Commit t ee of bank bjb shall be independent and shall not have concur r ent posit ions inside and out side t he company t hat could af f ect t heir abilit y t o act independent ly. The independence is r ef lect ed in f amily r elat ions, f inancial r elat ions, management as well as shar es owner ship in bank bjb and ot her companies, as shown in t he f ollowing t able: Duties and Responsibilities of the Business and Credit Monitoring Committee Duties The Business and Cr edit Monit or ing Commit t ee has t he f ollowing dut ies: 1. Monit or t he Bank’s policies, business as well as cr edit 2. Ot her t asks given by t he Boar d of Commissioner s St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 455 Tanggung Jawab Dalam melaksanakan t ugas, KPBP ber t anggung jawab kepada Dewan Komisar is. Anggot a KPBP wajib mer ahasiakan inf or masi yang diper oleh sesuai dengan ket ent uan yang ber laku. Anggot a KPBP dalam melaksanakan t ugasnya wajib menaat i st andar et ika Bank dan dilar ang mengambil keunt ungan pr ibadi baik secar a langsung maupun t idak langsung dar i kegiat an Bank selain honor ar ium dan at au t unjangan lainnya sesuai dengan ket ent uan yang ber laku. Laporan Kegiatan 20 15 Sesuai pedoman ker ja KPBP, maka pada t ahun 20 15 dir ealisasikan r encana ker ja sebagai ber ikut : No Program Kegiatan KPBP 20 15 Mortgage Activity Program 20 15 1. Melakukan Evaluasi kebijakan bisnis dan per kr edit an, ser t a member i r ekomendasi unt uk penyempur naan dan pengembangan kebijakan bisnis dan per kr edit an, Doing business policy evaluat ion and cr edit , as well as pr ovide r ecommendat ions f or t he impr ovement and development of business and lending policies 2. Mengawasi dan memant au pr oses bisnis dan per kr edit an Super vise and monit or business pr ocesses and lending 3. Melakukan r eview dan pemant auan t er hadap kiner ja per kr edit an Kant or Cabang Reviewing and monit or ing t he cr edit per f or mance of Br anch Of f ice 4. Melakukan kunjungan ker ja ke Kant or Cabang yang mengalami ker ugian A wor king visit t o t he br anch of f ice losses 5. Menyusun lapor an analisa penyebab ker ugian cabang ser t a r ekomendasi st r at egi mengat asi ker ugian Pr epar e r epor t s on t he analysis of t he causes of loss of t he br anch as well as st r at egic r ecommendat ions t o over come losses 6. Melakukan r eview dan pemant auan t er hadap kiner ja per kr edit an Divisi yang r elevan Reviewing and monit or ing t he cr edit per f or mance of r elevant Division 7. Melakukan r eview dan pemant auan t er hadap NPL CKPN Kant or Cabang dan Divisi yang r elevan dan member ikan r ekomendasi unt uk penyelesaiannya Conduct a r eview and monit or ing of t he NPL and CKPN Br anch and Division r elevant and make r ecommendat ions f or it s complet ion 8. Melakukan r eview dan pemant auan t er hadap kiner ja penghimpunan dana Kant or Cabang dan Divisi yang r elevan Conduct a r eview and monit or ing of f und Br anch Of f ice and t he r elevant Division 9. Melakukan r eview dan pemant auan t er hadap CASA Kant or Cabang dan Divisi yang r elevan dan member ikan r ekomendasi unt uk menekan biaya dana Conduct a r eview and monit or ing of t he CASA Br anch and Division r elevant and pr ovide r ecommendat ions t o r educe t he cost of f unds 10 . Mengevaluasi kiner ja f ee based income Kant or Cabang dan Divisi yang r elevan dan member ikan r ekomendasi unt uk peningkat annya Evaluat ing t he per f or mance f ee based income Br anch Of f ices and Divisions t hat ar e r elevant and pr ovide r ecommendat ions f or impr ovement 11 Melakukan r eview dan pemant auan t er hadap OPEX Kant or Cabang dan Divisi yang r elevan dan member ikan r ekomendasi unt uk peningkat an ef isiensi biaya oper asional Conduct a r eview and monit or ing of t he br anch of f ice and t he Division OPEX r elevant and pr ovide r ecommendat ions f or impr oving t he ef f iciency of oper at ional cost s 12. Melapor kan per t anggungan jawaban pelaksanaan selur uh kegiat an t er sebut kepada Dewan Komisar is secar a ber kala. Account abilit y of t he ent ir e r epor t such act ivit ies t o t he Boar d on a r egular basis. Komit e Pemant au Bisnis dan Per kr edit an KPBP melaksanakan r apat r ut in yang mer upakan r apat int er nal, r apat koor dinasi dengan unit bisnis sesuai pr ogr am ker ja dan kebut uhan. Responsibilities In perf orming their duties, the Business and Credit Monitoring Committee is responsible to the Board of Commissioners. Members of the Business and Credit Monitoring Committee must preserve the conf identiality of inf ormation obtained in accordance to the applicable regulations. In perf orming their duties, members of the Business and Credit Monitoring Committee shall comply with the Bank’s ethical standards and are prohibited f rom taking personal advantages either directly or indirectly f rom the Bank’s activities in addition to the f ee and or other benef its in accordance to the applicable regulations. Report on the Activities Conducted in 20 15 Based on the Work Guidelines of the Business and Credit Monitoring Committee, the work plan realized in 2015 include: The Business and Cr edit Monit or ing Commit t ee holds per iodic meet ings which include int er nal meet ing, coor dinat ion meet ing wit h t he business unit s accor ding t o t he wor k pr ogr ams and needs. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 456 Frekuensi Pertemuan Rapat dan Tingkat Kehadiran Anggota Komite Bisnis dan Perkreditan Selama t ahun 20 15, Komit e Pemant au Bisnis dan Per kr edit an t elah menyelenggar akan per t emuan sebanyak 23 kali. Ber ikut inf or masi t ingkat kehadir an Anggot a Komit e Pemant au Bisnis dan Per kr edit an dalam Rapat di t ahun 20 15: NO No Surat Letter Number Tanggal Rapat Date of Meeting Agenda Rapat Meeting Agenda Rudhyanto Mooduto Muhadi Agus Hery Usman 1 3 DK- KPBP 20 15 18 Mar et 20 15 Pembahasan Kant or Cabang Rugi Discussion on t he Br anches wit h Losses 1 1 1 2 4 DK- KPBP 20 15 25 Mar et 20 15 Rapat Rut in Anggot a KPBP Rout ine meet ing of t he Business and Cr edit Monit or ing Commit t ee 1 1 1 3 5 DK- KPBP 20 15 8-Apr -15 1. Lapor an Kunjungan Anggot a Komit e Ke Kant or Cabang Denpasar 2. Lain-lain 1. Repor t on t he visit of t he commit t ee member s t o t he br anch of f ice in Denpasar 2. Ot her s 1 1 1 1 4 6 DK- KPBP 20 15 15-Apr -15 1. Pembahasan Tingkat Kesehat an bank bjb 2. Lain-lain. 1. Discussion on t he bank bjb’s healt h level 2. Ot her s. 1 1 1 1 5 7 DK- KPR 20 15 29-Apr -15 1. Pembahasan Tingkat Kesehat an bank bjb 2. Lain-lain. 1. Discussion on t he bank bjb’s healt h level 2. Ot her s. 1 1 1 1 6 9 DK- KPR 20 15 13 Mei 20 15 1. Pembahasan Tingkat Kesehat an bank bjb 2. Lain-lain. 1. Discussion on t he bank bjb’s healt h level 2. Ot her s. 1 1 1 1 7 8 DK- KPBP 20 15 28 Mei 20 15 1. Pembahasan Tindaklanjut Penyelesaian Kr edit Macet yang menjadi per masalahan di Kant or Cabang Rugi Kant or Cabang Denpasar dan Makassar 2. Pembahasan Per masalahan Kant or Cabang yang Mengalami Penur unan Laba 3. lain-lain. 1. Discussion on t he handling of non- per f or ming loans in t he Br anches wit h Losses Denpasar and Makassar 2. Discussion on t he Br anch Of f ices wit h Pr of it Decline 3. Ot her s. 1 1 1 8 11 DK- KPR 20 15 10 Juni 20 15 1. Per kembangan pencapaian f ee based income bank bjb per iode Mei 20 15 2. Per kembangan bisnis bank dar i sisi pencapaian t ar get kr edit . 3. Lain - lainnya. 1. Pr ogr ess on t he gain f r om f ee based income in bank bjb f or t he per iod of May 20 15 2. The Develoment of t he Bank’s Business viewed f r om t he achievement of cr edit t ar get s. 3. Lain - lainnya. 1 1 1 1 9 12 DK- KPBP 20 15 24 Juni 20 15 1. Pembahasan Kiner ja Kant or Cabang Rugi 2. Lain-lain 1. Discussion on t he Per f or mance of Br anches wit h Losses 2. Ot her s 1 1 1 10 13 DK- KPBP 20 15 0 1 Juli 20 15 1. Lapor an Kunjungan Ker ja Anggot a KPBP 2. Lain-lainnya. 1. Repor t on t he Visit s of t he Member s of t he Business and Cr edit Monit or ing Commit t ee 2. Ot her snya. 1 1 1 1 11 13 DK- KPBP 20 15 0 8 Juli 20 15 Pembahasan Rekomendasi t er kait dengan Kant or Cabang Rugi Discussion on t he Recommendat ions r elat ed t o t he Br anches wit h Losses 1 1 1 12 14 DK- KPBP 20 15 23 Juli 20 15 Pembahasan Sur at Rekomendasi kepada Dewan Komisar is dan Dir eksi Discussion on t he Recommendat ion Let t er t o t he Boar d of Commissioner s and Boar d of Dir ect or s 1 1 1 1 13 15 DK- KPBP 20 15 12 Agust us 20 15 1. Kiner ja Kant or Cabang Rugi Per iode Juli 20 15 2. lain - lain. 1. The Per f or mance of Br anches wit h Losses in t he Per iod of July 20 15 2. lain - lain. 1 1 1 1 14 16 DK- KPBP 20 15 25 Agust us 20 15 Pembahasan Per kembangan Kiner ja bank bjb Per iode Juli 20 15 Discussion on t he pr ogr ess of bank bjb’s per f or mance in t he per iod of July 20 15 1 1 1 Frequency of Meetings and the Level of Attendance of the Members of the Risk Monitoring Committee Dur ing 20 15, t he Business and Cr edit Monit or ing Commit t ee held 23 meet ings. The f ollowing t able descr ibes t he level of at t endance of t he member s of t he Business and Cr edit Monit or ing Commit t ee in t he meet ings held in 20 15: St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 457 NO No Surat Letter Number Tanggal Rapat Date of Meeting Agenda Rapat Meeting Agenda Rudhyanto Mooduto Muhadi Agus Hery Usman 15 17 DK- KPBP 20 15 2-Sep-15 1. Pembahasan Lapor an Komit e Pemant au Bisnis dan Per kr edit an Tr iwulan 2 2. Pembahasan TKB dan Pr of il r isiko bank bjb 3. Lain-lain. 1. Discussion on t he Repor t of t he Business and Cr edit Monit or ing Commit t ee in Tr imest er 2 2. Discussion on TKB and bank bjb’s r isk pr of ile 3. Ot her s. 1 1 1 1 16 18 DK- KPBP 20 15 8-Sep-15 1. Pembahasan opex bank bjb 2. lain-lain. 1. Discussion on bank bjb’s opex 2. Ot her s. 1 1 1 1 17 19 DK- KPBP 20 15 30 -Sep-15 Pembahasan Kiner ja Bulan Agust us 20 15 Discussion on t he per f or mance in Agust us 20 15 1 1 1 18 20 DK- KPBP 20 15 4-Nov-15 1. Pembahasan lapor an Kunjungan Anggot a Komit e Pemant au Bisnis dan per kr edit an Ke Kant or Cabang Tegal dan Sur akar t a. 2. Pembahasan Kiner ja Keuangan bank bjb Per iode Sept ember 20 15 3. Lain-lainnya. 1. Discussion on t he r epor t on t he visit s of t he member s of t he Business and Cr edit Monit or ing Commit t ee t o Tegal and Sur akar t a Br anches 2. Discussion on bank bjb’s f inancial per f or mance f or t he per iod of Sept ember 20 15 3. Ot her snya. 1 1 1 1 19 21 DK- KPBP 20 15 11-Nov-15 1. Pembahasan Fee Based bank bjb 2. Lain-lain. 1. Discussion on bank bjb’s Fee Based 2. Ot her s. 1 1 1 1 20 14 DK- KPR 20 15 17-Nov-15 1. Pembahasan Lapor an Indikat or Pr of il Risiko bank bjb Tr iwulan III t ahun 20 15 2. Lain-lainnya. 1. Discussion on t he r epor t on t he Risk Pr of ile Indicat or of bank bjb f or Tr imest er III year 20 15 2. Ot her snya. 1 1 1 21 22 DK- KPBP 20 15 24-Nov-15 Pembahasan Rekomendasi KPBP dan KPR Discussion on t he r ecommendat ions f r om t he KPBP and t he RMC 1 1 1 1 22 23 DK- KPBP 20 15 16-Dec-15 1. Pr oyeksi per f or mance bank bjb per iode Desember 20 15 2. lain-lain. 1. bank bjb’s per f or mance pr oject ion f or t he per iod of December 20 15 2. Ot her s. 1 1 1 23 15 DK- KPR 20 15 30 -Dec-15 1. Pembahasan Pr ogr am Ker ja Komit e Pemant au Bisnis dan Per kr edit an ser t a Komit e Pemant au Risiko t ahun 20 16. 2. Lain-lain. 1. Discussion on t he Wor k Pr ogr am of t he Business and Cr edit Monit or ing Commit t ee and t he Risk Monit or ing Commit t ee f or t he year 20 16. 2. Ot her s. 1 1 1 1 Komite Tata Kelola Terintegrasi Pembent ukan Komit e Tat a Kelola Ter int egr asi bank bjb ini mer ujuk ke Per at ur an Ot or it as Jasa Keuangan Nomor 17 POJK.0 3 20 14 dan Sur at Edar an Ot or it as Jasa Keuangan Nomor 14 SEOJK.0 3 20 15 t ent ang Pener apan Manajemen Risiko Ter int egr asi bagi Konglomer asi Keuangan. Dalam ket ent uan OJK t er sebut disebut kan, Konglomer asi Keuangan mer upakan Lembaga Jasa Keuangan yang ber ada dalam sat u gr up at au kelompok kar ena ket er kait an kepemilikan dan at au pengendalian. Komit e Tat a Kelola Ter int egr asi bank bjb unt uk per iode t ahun 20 15 dibent uk ber dasar kan: a. Per at ur an Bank Indonesia No. 8 4 PBI 20 0 6 t anggal 30 Januar i 20 0 6 t ent ang Good Cor por at e Gover nance. b. Per at ur an Bank Indonesia No. 8 14 PBI 20 0 6 t anggal 5 Okt ober 20 0 6 t ent ang Per ubahan at as Per at ur an Bank Indonesia No. 8 4 PBI 20 0 6 t ent ang Good The Integrated Governance Committee The Int egr at ed Gover nance Commit t ee of bank bjb is one of t he commit t ees t hat was est ablished based on t he Regulat ion of t he Financial Ser vices Aut hor it y No. 17 POJK.0 3 20 14 and t he Cir cular Let t er of t he Financial Ser vices Aut hor it y No. 14 SEOJK.0 3 20 15 on t he Applicat ion of Int egr at ed Risk Management f or Financial Conglomer at ion. The FSA pr ovision st at es t hat Financial Conglomer at ion is a Financial Ser vices Inst it ut ion in one gr oup or gr oups due t o t he r elat ionship of owner ship and or cont r ol. bank bjb’s Int egr at ed Gover nance Commit t ee f or t he per iod of 20 15 was est ablished based on: a. Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 dat ed Januar y 30 , 20 0 6 on Good Cor por at e Gover nance; b. Bank Indonesia Regulat ion No. 8 14 PBI 20 0 6 dat ed Oct ober 5, 20 0 6 on t he Amendment t o Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 on Good Cor por at e Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 458 Cor por at e Gover nance;. c. Sur at Edar an Bank Indonesia No. 9 12 DPNP t anggal 30 Mei 20 0 7 t ent ang Pelaksanaan Good Cor por at e Gover nance bagi Bank Umum;. d. Per at ur an Ot or it as Jasa Keuangan No. 17 POJK.0 3 20 14 dan Sur at Edar an Ot or it as Jasa Keuangan Nomor 14 SEOJK.0 3 20 15 t ent ang Pener apan Manajemen Risiko Ter int egr asi bagi Konglomer asi Keuangan. Susunan Ketua dan Anggota Komite Tata Kelola Terintegrasi Susunan Komit e Tat a Kelola Ter int egr asi sesuai Sur at Keput usan Dewan Komisar is No. 0 7 SK DK 20 15 t anggal 22 Apr il 20 15 t ent ang Pembagian Tugas dan Pelaksanaan Jadwal Kegiat an Dewan Komisar is ser t a Komit e-Komit e yang t er dir i dar i 1 sat u Komisar is, 2 dua Komisar is Independen, 2 dua Pihak Independen. No Jabatan Nama Name Position 1. Ket ua Yayat Sutaryat Komisar is Independen | Independent Commissioner Chair man 2. Anggot a Muhadi Komisar is | Commissioner Member 3. Anggot a Rudhyanto Mooduto Komisar is Independen | Independent Commissioner Member 4. Anggot a Aldrin Herwany Pihak Independen | Independent Par t y Member Prof il Singkat Yayat Sutaryat Ket ua, Komisar is Independen Pr of il Yayat Sut ar yat dapat dilihat pada bagian Komisar is. Muhadi Anggot a, Komisar is Pr of il Muhadi dapat dilihat pada bagian Komisar is. Rudhyanto Mooduto Anggot a, Komisar is Independen Pr of il Rudhyant o Moodut o dapat dilihat pada bagian Komisar is. Aldrin Herwany Anggot a Komit e Tat a Kelola Ter int egr asi Gover nance; c. Bank Indonesia Cir cular Let t er No. 9 12 DPNP dat ed May 30 , 20 0 7 on t he Implement at ion of Good Cor por at e Gover nance f or Commer cial Banks; d. The Financial Ser vices Aut hor it y Regulat ion No. 17 POJK.0 3 20 14 and t he Financial Ser vices Aut hor it y Cir cular Let t er No. 14 SEOJK.0 3 20 15 on t he Applicat ion of Int egr at ed Risk Management f or Financial Conglomer at ion. Composition of the Chairman and Members of the Integrated Governance Committee Based on the Decree of the BOC of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk No. 07 SK DK 2015 dated April 22, 2015 on the Division of Tasks and the Activities of the BOC and the Committees, the Business and Credit Monitoring Committee consists of 1 one Commissioner, 2 two Independent Commissioners, and 2 two Independent Parties. Brief Prof ile Yayat Sutaryat Chair man, Independent Commissioner Yayat Sut ar yat ’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Muhadi Member , Commissioner Muhadi’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Rudhyanto Mooduto Member , Independent Commissioner Rudhyant o Moodut o’s pr of ile can be viewed in t he Boar d of Commissioner sect ion of t his r epor t . Aldrin Herwany Member St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 459 Aldrin Herwany menyelesaikan pendidikan di bidang Ekonomi Manajemen di Universitas Riau 1994. Gelar Magister Manajemen diperoleh dari Universitas Padjadjaran, Bandung 2004, dan gelar Doktor di bidang Administrasi Bisnis dari International Islamic University of Malaysia 2004. Mengajar di Fakult as Ekonomi dan Bisnis Univer sit as Padjadjar an Bandung 20 0 4-sekar ang. Menempat i beber apa posisi ant ar a lain sebagai Kepala Riset Kamar Dagang Indonesia Jawa Bar at 20 14 - sekar ang, Dir ekt ur Cent er f or Management and Business St udies CMBS Labor at or ium Manajemen Fakult as Ekonomi Univer sit as Padjadjar an 20 13- sekar ang, dan Ket ua Ikat an Sar jana Ekonomi Indonesia ISEI Bandung per iode 20 15-20 18. Sejak 20 15 ber gabung dengan bank bjb dengan posisi sebagai Anggot a Komit e Tat a Kelola Ter int egr asi ber dasar kan Sur at Keput usan Nomor 628 SK DIR-CS 20 15 t anggal 0 3 Juni 20 15. Periode Jabatan Anggota Komite Tata Kelola Terintegrasi Sesuai dengan Pedoman No. 0 6 DK 20 0 7 t ent ang Pedoman Dewan Komisar is, masa jabat an anggot a komit e yang bukan mer upakan anggot a Dewan Komisar is, masa ker janya dit ent ukan oleh Dewan Komisar is dengan t et ap mengacu kepada ket ent uan GCG yang ber laku. Pengangkatan dan Pemberhentian Komite Tata Kelola Terintegrasi Mekanisme dan t at a car a pengangkat an dan pember hent ian anggot a Komit e Tat a Kelola Ter int egr asi diat ur dalam Piagam Komit e Tat a Kelola Ter int egr asi yang disahkan oleh Keput usan Dewan Komisar is. Masa jabat an anggot a Komit e Tat a Kelola Ter int egr asi t idak boleh lebih panjang dar i per iode jabat an anggot a Dewan Komisar is. Anggot a Komit e Tat a Kelola Ter int egr asi yang ber asal dar i Dewan Komisar is ber hent i dengan sendir inya apabila masa jabat annya sebagai Anggot a Dewan Komisar is ber akhir , dan dapat dipilih kembali hanya unt uk sat u per iode masa jabat an ber ikut nya. Apabila Ket ua Komit e Tat a Kelola Ter int egr asi ber hent i sebelum masa t ugasnya, Komisar is Independen lain akan menggant ikannya. Aldr in Her wany f inishes his educat ion in t he f ield of economy management in t he Univer sit y of Riau 1994. His degr ee of Management Magist er was obt ained f r om t he Univer sit y of Padjadjar an, Bandung 20 0 4, and his doct or at e degr ee in Business Administ r at ion is obt ained f r om t he Int er nat ional Islamic Univer sit y of Malaysia 20 0 4. He t eaches at t he Facult y of Economics and Business, Univer sit as Padjadjar an Bandung 20 0 4-pr esent . In his car eer , he occupied var ious posit ions, among ot her s as t he Head of Resear ch at t he Chamber of Commer ce of West Java Indonesia 20 14 - pr esent , Dir ect or of t he Cent er f or Management and Business St udies CMBS of t he Labor at or y of Management Facult y of Economics, Univer sit as Padjadjar an 20 13- pr esent , and Chair man of t he Indonesian Economist s Associat ion ISEI Bandung per iod 20 15-20 18. He joined bank bjb since 20 15 wit h t he posit ion as Member of t he Int egr at ed Gover nance Commit t ee based on Decr ee Number 628 SK DIR-CS 20 15 dat ed 0 3 June 20 15. Work Tenure of the Members of the Integrated Governance Committee In accor dance wit h t he Wor k Guidelines No. 0 6 DK 20 0 7 on t he Guidelines f or t he Boar d of Commissioner s, t he t enur e of t he commit t ee member s who ar e not member s of t he Boar d of Commissioner s is det er mined by t he Boar d of Commissioner s wit h r ef er ence t o t he applicable pr ovisions of cor por at e gover nance. Appointment and Discharge of the Integrated Governance Committee Mechanisms and procedures f or the appointment and dismissal of members of the Integrated Governance Committee is set out in the Charter of the Integrated Governance Committee which is authorized by the Decision of Board of Commisioners. The tenure of of f ice of the members of the Integrated Governance Committee can not be longer than the period of of f ice of the Board of Commissioners. A Integrated Governance Committee member who is also a member of the Board of Commissioners will automatically be dismissed when his term as a member of the Board of Commissioners ended, and may be reelected only f or one of the subsequent term of of f ice period. If the Chairman of the Integrated Governance Committee resigns bef ore its term, he will be replaced by another Independent Commissioner. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 460 Independensi Komite Tata Kelola Terintegrasi Sesuai dengan per at ur an t ent ang pelaksanaan GCG, selur uh Anggot a Komit e Tat a Kelola Ter int egr asi bank bjb ber sif at independen dan t idak memiliki r angkap jabat an di dalam dan di luar Per ser oan yang dapat mempengar uhi kemampuan mer eka unt uk ber t indak independen. Independensi t er sebut t er cer min dalam hubungan keluar ga, hubungan keuangan, kepengur usan ser t a kepemilikan saham di bank bjb dan per usahaan lainnya sebagaimana t abel ber ikut : Aspek Independensi Yayat Sutaryat Muhadi Rudhyanto Mooduto Aldrin Herwany Independence Aspect Tidak memiliki hubungan keuangan dengan Dewan Komisar is dan Dir eksi ¥ ¥ ¥ ¥ Do not have f inancial r elat ions wit h t he Boar d of Commissioner s and Boar d of DIr ect or s Tidak memiliki hubungan kepengur usan di bank bjb, anak per usahaan maupun per usahaan af iliasi ¥ ¥ ¥ ¥ Do not have management r elat ions in bank bjb, it s subsidiar ies and t he r elat ed companies Tidak memiliki hubungan kepemilikan saham di bank bjb ¥ ¥ ¥ ¥ Do not have shar es owner ship in bank bjb Tidak memiliki hubungan keluar ga dengan Dewan Komisar is, Dir eksi dan at au sesama anggot a Komit e Audit ¥ ¥ ¥ ¥ Do not have f amily r elat ions wit h t he BOC, BOD, and or ot her member s of t he Int egr at ed Gover nance Commit t ee Tidak menjabat sebagai pengur us par t ai polit ik, pejabat pemer int ah daer ah ¥ ¥ ¥ ¥ Do not hold posit ion in a polit ical par t y, or as local gover nment of f icial Tugas dan Tanggung Jawab Komite Tata Kelola Terintegrasi Sesuai dengan Per at ur an Ot or it as Jasa Keuangan nomor 18 POJK.0 3 20 14 Tent ang Pener apan Tat a Kelola Ter int egr asi Bagi Konglomer asi Keuangan, Komit e Tat a Kelola Ter int egr asi mer upakan alat kelengkapan Komisar is yang ber f ungsi membant u dan memast ikan pelaksanaan pener apan t at a kelola t er int egr asi melalui monit or ing dan mengevaluasi sist em, pr osedur dan pr akt ik konglomer asi keuangan bank sebagai ent it as ut ama beser t a per usahaan anak dan per usahaan t er elasi yang ant ar a lain: 1. Membant u Dewan Komisar is melalui Komit e Tat a Kelola Ter int egr asi dalam melakukan pengawasan t er hadap pener apan t at a kelola, t ugas dan t anggung jawab Dir eksi dan t indak lanjut hasil audit dar i pihak int er n maupun ekst er n. 2. Membant u pelaksanaan Tugas dan t anggung jawab Dewan Komisar is bank dalam r angka melakukan pengawasan at as pener apan Tat a Kelola Ter int egr asi sebagaimana dimaksud pada poin 1 paling sedikit : a. Mengawasi pener apan Tat a Kelola pada masing- masing LJK agar sesuai dengan Pedoman Tat a Kelola Ter int egr asi; b. Mengawasi pelaksanaan t ugas dan t anggung jawab Dir eksi bank, ser t a member ikan ar ahan at au nasihat Independence of the Integrated Governance Committee Accor ding t o t he r egulat ion on Good Cor por at e Gover nance, all Member s of t he Int egr at ed Gover nance Commit t ee of bank bjb shall be independent and shall not have concur r ent posit ions inside and out side t he company t hat could af f ect t heir abilit y t o act independent ly. The independence is r ef lect ed in f amily r elat ions, f inancial r elat ions, management as well as shar es owner ship in bank bjb and ot her companies, as shown in t he f ollowing t able: Duties and Responsibilities of the Integrated Governance Committee In accor dance wit h t he Financial Ser vices Aut hor it y Regulat ion No. 18 POJK.0 3 20 14 on t he Applicat ion of Int egr at ed Gover nance f or Financial Conglomer at ion, t he Int egr at ed Gover nance Commit t ee is suppor t ing or gan f or t he Boar d of Commissioner s wit h t he f unct ion t o assist in ensur ing t he implement at ion of int egr at ed gover nance t hr ough t he monit or ing and evaluat ion of t he Bank’s syst em, pr ocedur es and pr act ices f inancial conglomer at ion as t he main ent it y along wit h it s subsidiar ies and r elat ed companies ot her s: 1. Assist t he Boar d of Commissioner s t hr ough t he Int egr at ed Gover nance Commit t ee in monit or ing t he implement at ion of gover nance, dut ies and r esponsibilit ies of t he Boar d of Dir ect or s and t he f ollow- up on t he audit r esult s f r om int er nal and ext er nal par t ies. 2. Assist t he implement at ion of t he dut ies and r esponsibilit ies of t he Boar d of Commissioner s of t he Bank in super vising t he implement at ion of Int egr at ed Gover nance r ef er r ed in point 1 at least : a. Over see t he implement at ion of Gover nance in each LJK in or der t o comply wit h t he Int egr at ed Gover nance Guidelines; b. Over see t he implement at ion of t he dut ies and r esponsibilit ies of t he Boar d of Dir ect or s of t he St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 461 kepada Dir eksi bank at as pelaksanaan Pedoman Tat a Kelola Ter int egr asi; dan c. Mengevaluasi Pedoman Tat a Kelola Ter int egr asi dan mengar ahkan dalam r angka penyempur naan. 3. Mengikut i r apat Dewan Komisar is bank melalui Komit e Tat a Kelola Ter int egr asi. 4. Membant u dalam pembuat an hasil r apat Dewan Komisar is bank melalui Komit e Tat a Kelola Ter int egr asi yang dit uangkan dalam r isalah r apat . 5. Membant u Dewan Komisar is bank dalam melakukan analisa t er kait per set ujuan pedoman t at a kelola t er int egr asi yang dibuat oleh Dir eksi yang isinya mencakup Ker angka Tat a kelola Ter int egr asi bagi ent it as ut ama dan Ker angka Tat a kelola bagi Lembaga Jasa keuangan LJK dalam konglomer asi keuangan dan mengacu pada per at ur an Ot or it as jasa keuangan dan t at a kelola yang ber laku bagi masing-masing LJK. 6. Mengevaluasi pelaksanaan Tat a Kelola Ter int egr asi paling sedikit melalui penilaian kecukupan pengendalian int er n dan pelaksanaan f ungsi kepat uhan ser t a manajemen r isiko secar a t er int egr asi. 7. Membant u Dewan Komisar is dalam penyusunan pedoman dan t at a t er t ib ker ja Komit e Tat a Kelola Ter int egr asi. Laporan Kegiatan 20 15 Selama t ahun 20 15 kegiat an Komit e Tat a Kelola Ter int egr asi adalah sebagai ber ikut : 1. Ber koor dinasi dengan Dir ekt or at Kepat uhan dan Manajemen Risiko. 2. Member ikan masukan kepada Dir eksi. 3. Pemant uan mengenai pr ogr ess r epor t pener apan Tat a Kelola Ter int egr asi dan Manajemen Risiko Ter int egr asi di bank bjb. Frekuensi Pertemuan Rapat dan Tingkat Kehadiran Anggota Komite Tata Kelola Terintegrasi Selama t ahun 20 15, Komit e Pemant au Bisnis dan Per kr edit an t elah menyelenggar akan per t emuan sebanyak 5 kali. Ber ikut inf or masi t ingkat kehadir an Anggot a Komit e Tat a Kelola Ter int egr asi dalam Rapat di t ahun 20 15: Bank, and pr ovide guidance or advice t o t he Boar d of Dir ect or s of t he bank on t he implement at ion of t he Int egr at ed Gover nance Guidelines; and c. Evaluat e t he Int egr at ed Gover nance Guidelines and pr ovide dir ect ions f or impr ovement . 3. Join t he Boar d of Commissioner s meet ings via t he Int egr at ed Gover nance Commit t ee. 4. Assist in t he pr epar at ion of t he conclussion of t he Boar d of Commissioner s meet ing t hr ough t he Int egr at ed Gover nance Commit t ee as out lined in t he minut es of t he meet ing. 5. Assist t he Boar d of Commissioner s in per f or ming t he analysis r elat ed t o t he appr oval of int egr at ed gover nance guidelines pr epar ed by t he Boar d of Dir ect or s wit h t he cont ent including t he Int egr at ed Gover nance Fr amewor k f or t he major ent it iy and Gover nance Fr amewor k f or t he Financial Ser vices Inst it ut ions LJK in t he f inancial conglomer at ion and r ef er r ing t o t he r egulat ion of t he Financial Ser vices Aut hor it y and gover nance t hat apply t o each LJK. 6. Evaluat e t he implement at ion of Int egr at ed Gover nance at least t hr ough t he assessment of t he adequacy of int er nal cont r ol and t he implement at ion of compliance and int egr at ed r isk management . 7. Assist t he Boar d of Commissioner s in pr epar ing t he guidelines and wor k r ules of t he Int egr at ed Gover nance Commit t ee. Report on the Activities Conducted in 20 15 Selama t ahun 20 15 kegiat an Komit e Tat a Kelola Ter int egr asi adalah sebagai ber ikut : 1. Coor dinat e wit h t he Compliance and Risk Management Dir ect or at es. 2. Pr ovide input s f or t he Boar d of Dir ect or s. 3. Monit or t he pr ogr ess r epor t on t he implement at ion of Int egr at ed Gover nance and Int egr at ed Risk Management in bank bjb. Frequency of Meetings and the Level of Attendance of the Members of the Integrated Governance Committee Dur ing 20 15, t he Int egr at ed Gover nance Commit t ee held 5 meet ings. The f ollowing t able descr ibes t he level of at t endance of t he member s of t he Int egr at ed Gover nance Commit t ee in t he meet ings held in 20 15: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 462 No Nomor Surat Letter No Tanggal Rapat Date of Meeting Perihal Matters Yayat Sutaryat Muhadi Rudhyanto Aldrin Herwany 1 0 0 1 DK- KTT 20 15 23 Juni 20 15 - Pembahasan pedoman dan pr ogr am ker ja Komit e Tat a Kelola Ter int egr asi. - Lain-lain. - Discussion on t he Wor k Guidelines and Pr ogr ams of t he Int egr at ed Gover nance Commit t ee. - Ot her s. 1 1 1 1 2 0 0 2 DK- KTT 20 15 30 Juni 20 15 - Penyusunan Pedoman Ker ja Komit e Tat a Kelola Ter int egr asi. - Lain-lain. - For mulat ion of t he Wor k Guidelines of t he Int egr at ed Gover nance Commit t ee. - Ot her s. 1 1 1 1 3 0 0 3 DK- KTT 20 15 0 8 Juli 20 15 - Progress report pener apan manajemen r isiko t er int egr asi dan t at a kelola t er int egr asi bank bjb. - Lain-lain. - Pr ogr ess r epor t on t he implement at ion of int egr at ed r isk management and int egr at ed gover nance in bank bjb. - Ot her s. 1 1 1 4 0 0 4 DK- KTT 20 15 2-Sep- 15 - Pembahasan Pedoman Tat a Kelola Ter int egr asi dan Progress Report Manajemen Risiko Ter int egr asi. - Lain-lain - Discussion on t he Guidelines of Int egr at ed Gover nance and Pr ogr ess Repor t on Int egr at ed Risk Management . - Ot her s 1 1 1 1 5 0 0 5 DK- KTT 20 15 4-Nov- 15 - Pembahasan Progress Report Tat a Kelola Ter int egr asi dan Manajemen Risiko Ter int egr asi. - Lain-lain. - Discussion on t he Pr ogr ess Repor t of Int egr at ed Gover nance and Int egr at ed Risk Management . - Ot her s. 1 1 1 1 Rencana Kerja Program Kerja 20 16 Tugas Tanggung Jawab Komite | Dut ies and Responsibilit ies of Commit t ee Rencana Kegiatan Act ivit ies Plan Sif at Char act er Periodik Per iodic Periode | Per iod Triwulan I 1 st Quar t er Triwulan II 2 nd Quar t er Triwulan III 3 r d Quar t er Triwulan IV 4 t h Quar t er 1 Penyempur naan Pedoman dan Tat a Ter t ib Ker ja Komit e Tat a Kelola Ter int egr asi dan r encana ker ja Komit e Tat a Kelola Ter int egr asi Complet ion of t he Employment Guidelines and Disciplinar y Rules of Commit t ee, Int egr at ed Management and Wor k Plan of Commit t ee. 1.1. Menyusun dan Mengevaluasi Pedoman dan Tat a Ter t ib ker ja ser t a r encana ker ja t ahunan Komit e Tat a Kelola Ter int egr asi sesuai dengan ar ahan Dewan Komisar is dan ket ent uan yang ber laku di Bank. Dr af t and evaluat e t he Guidelines and Wor k Conduct Rules as well asof Wor k Conduct and t he year lyannual wor k plan of Int egr at ed Management Commit t ee in accor dance wit h t he dir ect ion of s f r om t he Boar d of Commissioner s and pr evailing r egulat iont he applicable r egulat ions of t he Bank. Rut in Rout ine Tahunan Annual Work Plan and Work Program 20 16 St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 463 Tugas Tanggung Jawab Komite | Dut ies and Responsibilit ies of Commit t ee Rencana Kegiatan Act ivit ies Plan Sif at Char act er Periodik Per iodic Periode | Per iod Triwulan I 1 st Quar t er Triwulan II 2 nd Quar t er Triwulan III 3 r d Quar t er Triwulan IV 4 t h Quar t er a. Menyusun dan Menyempur nakan Pedoman dan Tat a Ter t ib Ker ja Komit e Tat a Kelola Ter int egr asi Dr af t and per f ect ing t he Guideline and Wor k Conduct Impr ove Employment Guidelines and Rules set out byof Wor k Conduct of Int egr at ed Management Commit t ee Rut in Rout ine Tahunan Annual b. Menet apkan r encana ker ja Komit e Tat a Kelola Ter int egr asi Tahun 20 16 Det er mine t he wor k plan of Int egr at ed Management Commit eeCommit t ee 20 16 Rut in Rout ine Tahunan Annual c. Menyusun lapor an t r iwulanan Komit e Tat a Kelola Ter int egr asi Pr epar e Dr af t quar t er ly r epor t s of Int egr at ed Management Commit ee 2 Mengevaluasi kesesuaian ant ar a kebijakan t at a kelola t er int egr asi dengan pelaksanaan kebijakan t er sebut Evaluat e t he conf or mit y bet ween of Int egr at ed Management Commit t ee’s 2.1. Mengevaluasi dan menganalisa secar a ber kala pener apan Kebijakan Tat a Kelola Ter int egr asi Evaluat e and analyze per iodically t he implement at ion of Int egr at ed Management Commit t ee’s policy Rut in Rout ine Tahunan Annual a. Mengevaluasi pener apan t at a kelola pada masing- masing Lembaga Jasa Keuangan Individual bank, Per usahaan anak, dan Per usahaan Ter elasi agar sesuai dengan Kebijakan Tat a Kelola Ter int egr asi Evaluat e t he implement at ion of management at each Financial Ser vices Insit it ut ions Individual Bank, Subsidiar ies, and Af f iliat ed Companies in or der t o conf or m wit h t he Int egr at ed Management Commit t ee’s policy Policy Rut in Rout ine Tahunan Annual b. Mengevaluasi pelaksanaan Kebijakan Tat a Kelola Ter int egr asi, melalui penilaian kecukupan pengendalian int er n dan pelaksanaan f ungsi kepat uhan secar a t er int egr asi Evaluat e t he implement at ion of Int egr at ed Management Commit t ee’s policy, t hr ough evaluat ion of suf f icient int er nal cont r ol and applicat ion of int egr at ed compliance f unct ion Rut in Rout ine Tahunan Annual c. Melakukan evaluasi t er hadap Kebijakan Tat a Ter int egr asi yang t elah dit et apkan Evaluat e Int egr at ed Management Commit t ee’s policy t hat has been set -out Rut in Rout ine Tahunan Annual Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 464 Tugas Tanggung Jawab Komite | Dut ies and Responsibilit ies of Commit t ee Rencana Kegiatan Act ivit ies Plan Sif at Char act er Periodik Per iodic Periode | Per iod Triwulan I 1 st Quar t er Triwulan II 2 nd Quar t er Triwulan III 3 r d Quar t er Triwulan IV 4 t h Quar t er 2.2. Member ikan pendapat ber upa sar an dan at au r ekomendasi t er kait implement asi Kebijakan Tat a Kelola Ter int egr asi yang diper lukan To give an opinion in t he f or m of suggest ion and or r ecommendat ion r elat ed t o t he implement at ion of Int egr at ed Management Policy t hat is needed Rut in Rout ine Tahunan Annual a. Member ikan r ekomendasi kepada Dewan Komisar is Ent it as Ut ama mengenai pelaksanaan t ugas dan t anggung jawab Dir eksi Ent it as Ut ama at as pelaksanaan Kebijakan Tat a Kelola Ter int egr asi dan t indak lanjut hasil audit dar i pihak int er n dan ekst er n To r ecommend t he Boar d of Commissioner of Holding Company wit h r egar d t o t he execut ion of dut ies and r esponsibilit ies of t he Boar d of Dir ect or s of main subsidiar y company on t he implement at ion of Int egr at ed Management Policy and subsequent f ollow-up of t he audit r esult f r om int er nal and ext er nal par t ies Rut in Rout ine Tahunan Annual b. Mengevaluasi, menganalisa ser t a member ikan r ekomendasi kepada Dewan Komisar is at as lapor an t at a kelola t er int egr asi ser t a lapor an lainnya yang diber ikan oleh Dir eksi Evaluat e, analyse and pr ovide r ecommendat ion t o t he Boar d of Commissioner s on t he r epor t of int egr at ed management and ot her r epor t s submit t ed by t he Boar d of Dir ect or s Rut in Rout ine Tahunan Annual 3 Pelaksanaan Tugas Khusus Special Assignment Implement at ion 3 Melakukan t ugas lain yang diber ikan Dewan Komisar is dalam bat asan lingkup ker ja Komit e Tat a Kelola Ter int egr asi sesuai ket ent uan per undang-undangan dan r egulat or yang ber laku Per f or m ot her dut ies assigned by t he Boar d of Commissioner s wit hin t he limit s of t he scope of t he Int egr at ed Management Commit t ee in accor dance wit h t he law and applicable r egulat ions St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 465 Tugas Tanggung Jawab Komite | Dut ies and Responsibilit ies of Commit t ee Rencana Kegiatan Act ivit ies Plan Sif at Char act er Periodik Per iodic Periode | Per iod Triwulan I 1 st Quar t er Triwulan II 2 nd Quar t er Triwulan III 3 r d Quar t er Triwulan IV 4 t h Quar t er a. Peningkat an kapasit as Ket ua dan Anggot a Komit e Tat a Kelola Ter int egr asi melalui Wor kshop, Seminar , dan Benchmar king Incr easing t he capacit y of Chair man and Member of t he Int egr at ed Management Commit t ee t hr ough pr oviding Wor kshops, Seminar s, and Benchmar kings Insident il Incident al Sesuai Kebut uhan Accor ding t o t he needs b. Melaksanakan t ugas lain yang diber ikan oleh dewan Komisar is ber dasar kan ket ent uan per at ur an per undang-undangan yang ber laku Car r y out ot her t asks given by t he Boar d of Commissioner s under t he pr ovisions of t he pr evailing legislat ion Insident il Incident al Sesuai Kebut uhan Accor ding t o t he needs Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 466 Independensi Dewan Komisaris Board of Commissioner Independency St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 467 Sekret aris Dew an Kom isaris Bo ard of Co m m issio ner Secret ary Sekr et ar is Dewan Komisar is adalah or gan Dewan Komisar is yang diangkat oleh Per ser oan yang ber t ugas membant u kelancar an kegiat an administ r asi pelaksanaan t ugas dan t anggung jawab Dewan Komisar is. Sekr et ar is Dewan Komisar is ber t anggung jawab kepada Dewan Komisar is. Sekr et ar is Dewan Komisar is ber t anggung jawab unt uk mengkoor dinasikan selur uh kegiat an administ at if Dewan Komisar is, baik secar a int er nal maupun t er kait dengan Dir eksi at aupun Komit e-komit e di bawahnya. Saat ini, Sekr et ar is Dewan Komisar is dijabat oleh Ir wan Riswandi. Lahir di Gar ut , 15 Apr il 1975. Saat ini ber domisili di Bandung. Menjabat sebagai Sekr et ar is Dewan Komisar is sejak 23 Apr il 20 15 ber dasar kan Sur at Keput usan Dewan Dir eksi Nomor 0 366 SK DIR-SDM 20 15. The Secr et ar y t o t he Boar d of Commissioner s is t he or gan of t he Boar d of Commissioner s appoint ed by t he Company in char ge of helping t he smoot h oper at ion of administ r at ive dut ies and r esponsibilit ies of t he Boar d of Commissioner s. The Secr et ar y of Boar d of Commissioner s is appoint ed by and r esponsible t o t he Boar d of Commissioner s. The Secr et ar y t o t he Boar d of Commissioner s is r esponsible f or coor dinat ing all administ r at ive act ivit ies of t he Boar d of Commissioner s, bot h int er nally and in r elat ion t o t he Boar d of Dir ect or s or Commit t ees wor king under t heir super vision. Today, t he Secr et ar y of Boar d of Commissioner is held by Ir wan Riswandi. Bor n in Gar ut , 15 Apr il 1975. Today he domiciles in Bandung. He holds his of f ice as t he Secr et ar y of t he Boar d of Commissioner s since 23 Apr il 20 15 based on t he Decision Let t er of Boar d of Commissioner s No 0 366 SK DIR- SDM 20 15. IRWAN RISWANDI Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 468 Mer aih gelar Sar jana di bidang Ekonomi dar i Univer sit as Pasundan Bandung t ahun 1999 dan gelar Magist er Manajemen dar i Univer sit as Padjadjar an Bandung t ahun 20 11. Ber gabung di Per ser oan sejak 20 0 3 dan menempat i ber bagai posisi jabat an ant ar a lain: 1. Pelaksana t ahun 20 0 3-20 0 5 2. Asist en pelayanan 20 0 5-20 0 6 3. Asist en t eller 20 0 7-20 0 8 4. Asist en pemasar an dalam neger i 20 0 8 5. Asist en analisa Kr edit Mikr o Ut ama 20 0 8-20 0 9 6. Asist en Tim IPO 20 0 9-20 10 7. St af Invest or Relat ions 20 10 -20 11 8. St af set ingkat Manager 20 12-20 13 9. Manager Gr up Hubungan Invest or 20 13-20 14 Dan kini menjabat sebagai Pemimpin Gr up Kesekr et ar iat an Dewan Komisar is. Dasar Hukum Penunjukkan SK Dir eksi No. 0 366 SK DIR-SDM 20 15 t anggal 23 Apr il 20 15. Tugas dan Tanggung Jawab Secar a st r ukt ur al Sekr et ar is Dewan Komisar is ber t anggung jawab langsung kepada Dewan Komisar is. Adapun Tugas dan Tanggung Jawab Sekr et ar is Dewan Komisar is meliput i: 1. Mengkoor dinasikan kegiat an kesekr et ar iat an unt uk Dewan Komisar is a. Mengembangkan sist em administ r asi kesekr et ar iat an yang t er int egr it as. b. Mengkoor dinasikan kegiat an r apat Dir eksi dan Komisar is. c. Menjalankan f ungsi sebagai not ulen r apat meet ing Dir eksi dan Komisar is. d. Memant au administ r asi, pengar sipan, sur at - menyur at , ser t a pengamanan dat a-dat a dokumen Dir eksi dan Komisar is SK, SE, SI, dan sebagainya. e. Membuat dan memast ikan t er sedianya mat er i, dat a, inf or masi yang diper lukan Dir eksi dan Komisar is unt uk Rapat Dir eksi Rapat Komisar is. f . Mengelola lapor an khusus Dir eksi Komisar is kepada lembaga ekst er n. g. Memast ikan dokumen per jalanan dinas dalam dan luar neger i Dir eksi dan Komisar is. h. Melakukan pembinaan kepada Cabang dalam bidang kesekr et ar iat an. He holds a degr ee in Economics f r om Pasundan Univer sit y, Bandung in 1999 and a Magist er of Management f r om Padjajar an Univer sit y Bandung in 20 11. He joins t he Company as of 20 0 3 and holds a number of posit ions as f ollows: 1. Implement er dur ing 20 0 3-20 0 5 2. Ser vices Assist ant 20 0 5-20 0 6 3. Teller Assist ant 20 0 7-20 0 8 4. Domest ic Mar ket ing Assist ant 20 0 8 5. Pr imar y Micr o Cr edit Asist ant 20 0 8-20 0 9 6. Assist ant t o IPO t eam 20 0 9-20 10 7. Invest or Relat ions St af f 20 10 -20 11 8. Manager ial Equivalent St af f 20 12-20 13 9. Invest or Relat ion Gr oup Manager 20 13-20 14 And now he holds of f ice as Chair man of Secr et ar y Gr oup of Boar d of Commissioner s. The Legal Basis of Appointment Decision of Boar d of Dir ect or s No. 0 366 SK DIR-SDM 20 15 dat ed 23 Apr il 20 15. Duties and Responsibilities St r uct ur ally Secr et ar y t o t he Boar d of Commissioner s is r esponsible dir ect ly t o t he Boar d of Commissioner s. The Dut ies and Responsibilit ies of t he Secr et ar y of t he Boar d of Commissioner s include: 1. Coor dinat e act ivit ies r elat ed t o secr et ar ial dut ies of t he Boar d of Commissioner s a. Developing an int egr at ed syst em of administ r at ive secr et ar iat . b. Coor dinat ing t he act ivit ies of t he Dir ect or s and Commissioner s Meet ing. c. Per f or ming t he f unct ion as a not e t aker f or t he minut es of meet ing of t he Boar d of Dir ect or s Commissioner s. d. Monit or t he administ r at on, ar chive, cor r espondency, as well as saf et y of all dat a document s of Boar d of Dir ect or s Commissioner s SK, SE, SI, and ot her s. e. Cr eat ing and ensur ing t he availabilit y of mat er ials, dat a, inf or mat ion needed f or Boar d of Dir ect or s Commissioner s. f . Managing special r epor t t o Boar d of Dir ect or s Commissioner s t o ext er nal inst it ut ions. g. Ensur ing all document at ions needed for domest ic and over seas business t r ips f or Boar d of Dir ect or s Commissioner s. h. Coaching t o br anches r esponsible f or secr et ar ial mat t er s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 469 2. Mengkoor dinasikan kegiat an pr ot okoler unt uk Dewan Komisar is a. Ber koor dinasi dengan pihak pelaksana kegiat an dalam melakukan pr ot okoler Dewan Komisar is. b. Mengat ur jamuan unt uk t amu Dir eksi dan Komisar is. c. Ber koor dinasi dengan Divisi Kant or Cabang, mengat ur susunan acar a int er nal yang dihadir i oleh Dir eksi dan Komisar is. d. Menyiapkan mat er i nar asumber , pidat o sambut an Dir eksi ber dasar kan per mint aan secar a t er t ulis dar i pihak penyelenggar a kegiat an. e. Menyiapkan acar a pembukaan jar ingan usaha bank yang bar u. 3. Menyusun Tat a Naskah Bank a. Melakukan invent ar isasi dalam penyelenggar aan Tat a Naskah Bank yang t elah ber jalan. b. Melakukan kajian mengenai kebut uhan Tat a Naskah Bank dalam ket er t iban penyelenggar aan komunikasi Bank f or mat dar i set iap jenis sur at yang dikeluar kan Bank, Sandi Unit Ker ja, Indek Sur at , Sandi Pejabat Bank, Kar t u Nama Pejabat dan lain-lain. c. Menyusun dr af t r umusan Tat a Naskah Bank. d. Menyampaikan dr af t Tat a Naskah Bank kepada Divisi Kepat uhan Hukum unt uk dilakukan pengkajian dar i sisi hukum. e. Menyampaikan dr af t Tat a Naskah Bank yang t elah dikaji oleh Divisi Kepat uhan Hukum dan dir evisi apabila ada kepada Dir eksi unt uk mendapat kan per set ujuan. f . Mener bit kan Tat a Naskah Bank yang t elah diset ujui Dir eksi, ser t a mendist r ibusikan kepada selur uh Unit Ker ja. 4. Mengelola dan mengembangkan kewenangan bidang administ r asi a. Melakukan invent ar isasi kepada set iap Unit Ker ja di Kant or Pusat dan Cabang mengenai kebut uhan Kewenangan bidang administ r asi. b. Menghimpun masukan dar i set iap Unit Ker ja mengenai kebut uhan Kewenangan bidang Administ r asi. c. Mengkaji BPP, Kebijakan dan SOP yang ber kait an dengan Kewenangan bidang administ r asi. d. Menyusun r umusan Kewenangan. e. Menyampaikan r umusan Kewenangan kepada Divisi Manajemen Risiko unt uk mendapat kan kajian dan r ekomendasi bidang manajemen r isiko. 2. Coor dinat ing t he pr ot ocol act ivit ies f or Boar d of Commissioner s a. Coor dinat ing wit h t he par t ies who execut e pr ot ocol act ivit ies of BOC. b. Ar r ange a r ecept ion f or Boar d of Dir ect or s and Commissioner s’ guest s. c. Coor dinat e wit h Division Br anch Of f ice, t o ar r ange t he int er nal schedule at t ended by Boar d of Dir ect or s and Commissioner s. d. Pr epar ing t he mat er ials f or keynot e speaker welcome speech of t he Boar d of Dir ect or s based on wr it t en inst r uct ion of t he act ivit ies or ganizer s. e. Pr epar ing t he opening cer emony f or new business net wor k of t he company. 3. Compiling t he Bank’s Ar chives a. Invent or y checking in ar r anging t he unf olding ar chiving of t he Bank’s document s. b. Per f or m a r eview on t he need of ar chiving t he Bank’s document t o maint ain t he communicat ion wit hin t he Bank such as t he f or mat of ever y t ype of let t er issued by t he Bank, t he Code of Unit of Wor k, Let t er Indexes, Code of Of f icial’s Names, Of f icial’s Name Car ds, and many ot her s. c. Dr af t t he t ext of Bank’s document s. d. Submit t he dr af t of Bank’s document s t o t he Division of Compliance and Law t o do r eview f r om t he per spect ive of law. e. Submit t he dr af t of Bank’s document s which has been r eviewed by t he Division of Compliance Law and r evised if any t o t he Boar d of Dir ect or s t o obt ain appr ovals. f . Issue t he dr af t of Bank’s document appr oved by t he Boar d of Dir ect or s, and dist r ibut ed t o all Unit of Wor k. 4. Managing and developing t he aut hor it y in t he f ield of administ r at ion a. Conduct an invent or y check t o each wor k unit at t he Head Of f ice and Br anches of t he Bank t he needs of t he Aut hor it y f or administ r at ion per f or mance. b. Gat her input f r om ever y wor k unit r elat ed t o t he need of aut hor it y f or administ r at ion f ield. c. Review BPP, policies and SOPs r elat ed t o t he Aut hor it y f or administ r at ion. d. Dr af t t he r equir ement s of aut hor it y. e. Deliver such r equir ement s t o t he Risk Management Division t o obt ain assessment and a r ecommendat ion. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 470 f . Menyampaikan r umusan Kewenangan kepada Dir eksi unt uk mendapat kan keput usan. g. Mener t ibkan Pedoman Kewenangan bidang Administ r at if yang t elah diset ujui Dir eksi dan didist r ibusikan kepada selur uh unit ker ja. h. Melakukan updat ing Kewenangan secar a ber kala. Laporan Pelaksanaan Kegiatan 1. Mengkoor dinasikan kegiat an r apat Dewan Komisar is dan Komit e dibawah Dewan Komisar is. 2. Menjalankan f ungsi sebagai not ulen r apat meet ing Dewan Komisar is dan Komit e dibawah Dewan Komisar is. 3. Ber koor dinasi dengan Divisi t er kait unt uk membuat dan memast ikan t er sedianya mat er i, dat a, inf or masi yang diper lukan Dewan Komisar is unt uk Rapat . 4. Mengelola lapor an khusus pelaksanaan t ugas Dewan Komisar is kepada lembaga ekst er n. 5. Mengkoor dinasikan kegiat an pr ot okoler unt uk Dewan Komisar is. 6. Membant u Dewan Komisar is dan Komit e Dibawah Dewan Komisar is dalam penyusunan Pedoman dan Tat a Ter t ib Ker ja. Program Pelatihan Guna meningkat kan kompet ensi dan mendukung t ugas dan f ungsinya, Sekr et ar is Dewan Komisar is mengikut i ber bagai pelat ihan dan pendidikan ant ar a lain: 1. Conduct self assessment GCG, 27-28 Agust us 20 15 2. Per siapan ser t if ikasi manajemen r isiko level 2, 7-9 Sept ember 20 15 3. Ujian ser t if ikasi manajemen r isiko level, 2 7 November 20 15. f . Deliver such r equir ement s t o t he Boar d of Dir ect or s t o r eceive a decision. g. Cur b t he Guidelines of Administ r at ive Aut hor it y appr oved by t he Boar d of Dir ect or s and dist r ibut ed t o all unit of wor k. h. Updat e such an aut hor it y per iodically. Report on Activities Implementation 1. Coor dinat e act ivit ies of Boar d of Commissioner s meet ings and Commit t ees under t he super vision of Boar d of Commissioner s. 2. Per f or m t he f unct ion as a not e t aker f or t he minut es of meet ings of Boar d of Commissioner s and Commit ees under it s super vision. 3. Coordinate with relevant division to create and ensure the availability of materials, data, inf ormation which is needed by the Board of Commissioners to hold the meeting. 4. Manage a special r epor t t o execut e t he dut y of Boar d of Commissioner s t o ext er nal inst it ut ions. 5. Coor dinat e t he pr ot ocol act ivit ies t o Boar d of Commissioner s. 6. Help t he Boar d of Commissioner s and Commit t ee under t he super vision of Boar d of Commissioner s in dr af t ing t he Guideline and Code of Wor k Conduct . Trainings Program In or der t o incr ease t he compet ence and t o suppor t t asks and f unct ions, t he Secr et ar y of t he Boar d of Commissioner s par t icipat ed in var ious t r ainings and educat ion, among ot her s as f ollows: 1. Conduct self assessment GCG, 27-28 August 20 15 2. Pr epar at ion of Risks Management Cer t if icat ion Level 2, 7-9 Sept ember 20 15 3. Examinat ion of Risk Management Level 2, 7 November 20 15. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 471 Direksi Bo ard of Direct o rs Dir eksi mer upakan or gan Per ser oan yang memiliki wewenang ser t a ber t ugas dan ber t anggung jawab secar a kolegial dalam mengelola Bank. Secar a gar is besar , masing-masing Dir ekt ur dapat melaksanakan t ugas dan mengambil keput usan sesuai dengan pembagian t ugas dan wewenangnya. Dir eksi ber t anggung jawab t er hadap pengelolaan Bank agar dapat menghasilkan keunt ungan dan memast ikan kesinambungan usaha Bank sesuai dengan anggar an dasar dan per at ur an per undang-undangan. Fungsi pengelolaan per usahaan oleh Dir eksi mencakup 5 lima t ugas ut ama yait u kepengur usan, manajemen r isiko, pengendalian int er n, komunikasi, dan t anggung jawab sosial. Dir eksi ber t anggung jawab kepada pemegang saham dalam mencipt akan dan member ikan nilai t ambah bagi pemegang saham. Dir eksi har us memast ikan bahwa manajemen memiliki r encana ker ja yang seimbang ant ar a per t umbuhan jangka panjang dan t ujuan jangka pendek. Pengelolaan Bank yang baik akan ber landaskan pada pr insip t r anspar ansi, akunt abilit as, per t anggungjawaban, independensi, dan kewajar an dalam r angka member i nilai t ambah bagi pemegang saham dan pihak-pihak lain yang t er kait dengan Bank. Komposisi Direksi Ber ikut ini komposisi Dir eksi hingga ber akhir nya t ahun buku 20 15: No Nama | Name Jabatan | Posit ion Pengangkatan Appoint ment Dasar Pengangkatan Basic Appoint ment 1 Ahmad Ir f an Dir ekt ur Ut ama Pr esident Dir ect or 19 Desember 20 14 Akt a RUPSLB No 219, 220 , 221 t anggal 19 Desember 20 14 2 Suar t ini Dir ekt ur Komer sial Managing Dir ect or Commer cial 19 Desember 20 14 Akt a RUPSLB No 219, 220 , 221 t anggal 19 Desember 20 14 3 Nia Kania Dir ekt ur Keuangan Managing Dir ect or Finance 19 Desember 20 14 Akt a RUPSLB No 219, 220 , 221 t anggal 19 Desember 20 14 4 Fer miyant i Dir ekt ur Konsumer Managing Dir ect or Consumer 19 Desember 20 14 Akt a RUPSLB No 219, 220 , 221 t anggal 19 Desember 20 14 5 Benny Sant oso Dir ekt ur Oper asional Managing Dir ect or Oper at ional 19 Desember 20 14 Akt a RUPSLB No 219, 220 , 221 t anggal 19 Desember 20 14 6 Agus Gunawan Dir ekt ur Mikr o Managing Dir ect or Micr o 19 Desember 20 14 Akt a RUPSLB No 219, 220 , 221 t anggal 19 Desember 20 14 7 Agus Mulyana Dir eksi Kepat uhan dan Manajemen Risiko Managing Dir ect or Compliance Risk Management 29 Mei 20 15 Akt a RUPSLB No. 110 , 111 t anggal 29 Mei 20 15 The Company’s Boar d of Dir ect or s is t he or gan t hat has t he aut hor it ies and t he dut ies and r esponsibilit ies in managing t he Bank collegially. Br oadly speaking, each Dir ect or may car r y out t he t asks and make decisions in accor dance wit h t he division of dut ies and r esponsibilit ies. The Boar d of Dir ect or s is r esponsible f or t he management of t he Bank in or der t o gener at e pr of it s and ensur e t he sust ainabilit y of t he Bank’s business in accor dance wit h t he ar t icles of associat ion and t he r egulat ions. The Boar d of Dir ect or s’ management f unct ion includes f ive 5 main t asks namelu management , r isk management , int er nal cont r ol, communicat ion, and social r esponsibilit y. The Boar d of Dir ect or s ar e r esponsible t o t he shar eholder s in cr eat ing and deliver ing value f or shar eholder s. The Boar d of Dir ect or s should ensur e t hat t he management has a balanced wor k plan t hat bet ween long-t er m gr owt h and shor t -t er m goals. Good bank management shall be based on t he pr inciples of t r anspar ency, account abilit y, r esponsibilit y, independence and f air ness in or der t o add value f or t he shar eholder s and ot her par t ies r elat ed t o t he Bank. Composition of the Board of Directors The f ollowing t able shows t he composit ion of t he Boar d of Dir ect or s as of t he end of t he f iscal year 20 15: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 472 Ruang Lingkup Pekerjaan dan Tanggung Jawab Direksi Sesuai dengan Sur at Keput usan Dir eksi No. 519 SK DIR- CS 20 11 t ent ang Pedoman Ker ja dir eksi adalah sebagai ber ikut : 1. Ber t anggung jawab penuh at as pelaksanaan kepengur usan Bank. 2. Wajib mengelola Bank sesuai dengan kewenangan dan t anggung jawabnya sebagaimana diat ur dalam Anggar an Dasar dan per at ur an per undang-undangan yang ber laku. 3. Mengur us kekayaan Bank sesuai dengan per at ur an per undang-undangan yang ber laku. 4. Wajib membuat dan melaksanakan Rencana Ker ja Tahunan yang har us disampaikan kepada Dewan Komisar is. 5. Wajib menyer ahkan lapor an t ahunan Bank kepada akunt an publik yang dit unjuk oleh RUPS unt uk diper iksa. 6. Wajib mener apkan manajemen r isiko dan pr insip- pr insip Good Cor por at e Gover nance dalam set iap kegiat an usaha Bank pada selur uh t ingkat an at au jenjang or ganisasi. Dalam r angka pelaksanaan GCG, Dir eksi har us membent uk sekur ang-kur angnya: a. Sat uan Ker ja yang menjalankan f ungsi Audit Int er nal, unt uk membant u Dir eksi dalam pengawasan oper asional Bank pada selur uh or ganisasi Bank. Sat uan Ker ja Audit Int er nal ini wajib independen t er hadap sat uan ker ja oper asional. b. Sat uan ker ja yang menjalankan f ungsi Manajemen Risiko dan Komit e Manajemen Risiko unt uk membant u Dir eksi dalam pener apan manajemen r isiko sebagaimana diat ur dalam Per at ur an Bank Indonesia. c. Sat uan Ker ja yang menjalankan f ungsi Kepat uhan, unt uk membant u Dir eksi dalam melakukan kepat uhan at as hukum, per undang-undangan ser t a Per at ur an Bank Indonesia at as oper asional yang dimiliki t er kait dengan hukum, per undang-undangan ser t a Per at ur an Bank Indonesia. 7. Wajib menindaklanjut i t emuan audit dan r ekomendasi dar i Sat uan Ker ja Audit Int er nal Bank, audit or ekst er nal, hasil pengawasan Bank Indonesia dan at au hasil pengawasan ot or it as lain. 8. Melakukan t ugas yang secar a khusus diber ikan oleh Dewan Komisar is dan at au RUPS. 9. Menyelenggar akan RUPS Tahunan dan RUPS Luar Biasa dengan didahului pemanggilan RUPS. Scope of Work and Responsibilities of the Board of Directors Based on t he Decr ee of t he Boar d of Dir ect or s No. 519 SK DIR-CS 20 11 on t he Wor k Guidelines of t he Boar d of Dir ect or s: 1. Fully r esponsible f or t he implement at ion of t he Bank’s management . 2. Manage t he Bank in accor dance t o t he aut hor it ies and r esponsibilit ies as st ipulat ed in t he Ar t icles of Associat ions and applicable r egulat ions. 3. Manage t he Bank’s wealt h in accor dance wit h t he applicable laws and r egulat ions. 4. Pr epar e and implement t he Annual Wor k Plan t o be submit t ed t o t he Boar d of Commissioner s. 5. Submit t he Bank’s Annual Repor t t o t he cer t if ied public account ant appoint ed by t he GMS t o be examined. 6. Apply r isk management and t he pr inciples of Good Cor por at e Gover nance in all of t he Bank’s business act ivit ies at all or ganisat ional levels or hier ar chy. In t he implement at ion of GCG, t he Boar d of Dir ect or s shall est ablish at least : a. A Unit t hat implement s t he Int er nal Audit f unct ion, t o assist t he Boar d of Dir ect or s in t he super vision of t he oper at ions in t he ent ir e or ganizat ion of t he Bank. The Int er nal Audit Unit shall be independent f r om t he oper at ional unit . b. A Wor k Unit t hat per f or ms t he Risk Management f unct ion and t he Risk Management Commit t ee t o assist t he Boar d of Dir ect or s in t he implement at ion of r isk management as st ipulat ed in Bank Indonesia Regulat ion. c. A Wor k Unit t hat per f or ms t he f unct ion of Compliance, t o assist t he Boar d of Dir ect or s in complying wit h t he law, legislat ion and Bank Indonesia Regulat ion f or t he oper at ions r elat ed t o t he law, legislat ion and Bank Indonesia Regulat ion. 7. Follow up on t he audit f indings and r ecommendat ions f r om t he Bank’s Int er nal Audit Unit , ext er nal audit or , t he r esult s of super vision of Bank Indonesia and or ot her super visor y aut hor it ies. 8. Per f or m special t asks given by t he Boar d of Commissioner s and or t he GMS. 9. Holds AGM and EGMS pr eceded by GMS Invit at ion. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 473 10 . Wajib mengungkapkan kepada Pegawai kebijakan Bank yang ber sif at st r at egis di bidang kepegawaian baik mengenai pember ian gaji, t unjangan, f asilit as, sist em pener imaan pegawai, sist em pr omosi, t er masuk r encana Bank unt uk mengadakan ef isiensi melalui pengur angan pegawai maupun kebijakan st r at egis Bank t ent ang kepegawaian lainnya. 11. 3 t iga bulan sebelum masa jabat an Dir eksi ber akhir , Dir eksi dilar ang mengambil menet apkan kebijakan yang ber sif at st r at egis. 12. Wajib menyediakan dat a dan inf or masi yang akur at , r elevan, dan t epat wakt u kepada Dewan Komisar is. 13. Wajib member ikan jawaban dan penjelasan at as segala sesuat u yang dit anyakan oleh Dewan Komisar is. 14. Har us memast ikan kelancar an komunikasi ant ar a Bank dengan pemangku kepent ingan melalui pember dayaan f ungsi Sekr et ar is Per usahaan. 15. Ber kewajiban unt uk menyimpan dan memelihar a Daf t ar Pemegang Saham dan Daf t ar Khusus sebaik-baiknya. Pembagian Kerja Direksi Ber dasar kan Sur at Keput usan Dir eksi No. 519 SK DIR- CS 20 11 t er t anggal 20 Sept ember 20 11 t ent ang Pedoman Ker ja Dir eksi, pembagian t ugas Dir eksi Per ser oan adalah sebagai ber ikut : Direktur Utama No Tugas | Dut ies 1 Mengkoor dinir dan member ikan ar ahan dalam penyusunan visi, misi, dan nilai-nilai ser t a Rencana Kor por asi dan Rencana Bisnis unt uk dibicar akan dan diset ujui oleh Dewan Komisar is at au RUPS sesuai dengan ket ent uan Anggar an Dasar Bank. Coor dinat e and pr ovide guidance in t he pr epar at ion of t he vision, mission, and values as well as t he Cor por at e Plan and Business Plan t o be discussed and appr oved by t he Boar d of Commissioner s or t he GMS in accor dance wit h t he pr ovisions of t he Bank’s Ar t icles of Associat ion. 2 Menyelar askan dan mengakomodir inisiat if int er nal Bank yang dapat member i nilai t ambah ser t a meningkat kan kiner ja dan daya saing Bank. Align and accommodat e t he Bank’s int er nal init iat ives t o add value and impr ove t he per f or mance and compet it iveness of t he Bank. 3 Mengkoor dinasikan pelaksanaan t ugas ant ar anggot a Dir eksi, melaksanakan pembinaan dan pengendalian t er hadap selur uh kegiat an oper asional dan pengelolaan Bank secar a ef ekt if dan ef isien, dengan memper hat ikan asas keseimbangan dan keser asian ser t a memast ikan kepat uhan t er hadap Per at ur an Bank Indonesia dan per at ur an per undang-undangan yang ber laku. Coor dinat e t he implement at ion of t asks among member s of t he Boar d of Dir ect or s, implement guidance and cont r ol of t he over all oper at ions and management of t he Bank ef f ect ively and ef f icient ly, wit h r egar d t o t he pr inciple of balance and har mony as well as ensur ing compliance wit h Bank Indonesia r egulat ions and t he legislat ions in f or ce. 4 Mengkoor dinasikan, mengendalikan, dan mengevaluasi pener apan pr insip-pr insip GCG dan St andar Et ika Bank secar a konsist en dalam Per usahaan. Coor dinat e, cont r ol and evaluat e t he applicat ion of t he pr inciples of good cor por at e gover nance and Bank Et hics St andar ds consist ent ly in t he Company. 5 Memimpin r apat Dir eksi. Lead t he Boar d of Dir ect or s meet ing. Tanggung Jawab | Responsibilit ies 1 Ber t anggung jawab at as pelaksanaan kepengur usan Bank secar a ef ekt if dan ef isien. Responsible f or t he implement at ion of t he Bank’s ef f ect ive and ef f icient management . 2 Memast ikan inf or masi yang t er kait dengan Bank selalu t er sedia bila diper lukan oleh Dewan Komisar is dan Bank Indonesia. Ensur e t hat inf or mat ion r elat ed t o t he Bank is always available when needed by t he BOC and Bank Indonesia. 10 . Disclose t o t he Bank’s employees t he st r at egic policy r elat ed t o employment such as salar y, benef it s, f acilit ies, r ecr uit ment , pr omot ion syst em, also t he Bank’s plan t o conduct employee ef f iciency t hr ough t he r educt ion of t he number of t he Bank’s per sonnel and ot her st r at egic policies on employement . 11. 3 t hr ee mont hs bef or e t he end of t he wor k t enur e, t he Boar d of Dir ect or s ar e pr ohibit ed f r om t aking det er mining st r at egic policies. 12. Pr ovide dat a and inf or mat ion t hat ar e accur at e, r elevant , and in a t imely manner t o t he Boar d of Commissioner s. 13. Pr ovide answer s and explanat ions f or t he mat t er s asked by t he Boar d of Commissioner s. 14. Ensur e smoot h communicat ion bet ween t he Bank and t he st akeholder s t hr ough t he empower ment of t he Cor por at e Secr et ar y f unct ion. 15. Recor d and maint ain t he Regist er of Shar eholder s and Special Regist er of Shar eholder s as well as possible. Division of Duties of the Board of Directors Based on t he Decr ee of t he Boar d of Dir ect or s No. 519 SK DIR-CS 20 11 dat ed Sept ember 20 , 20 11 on t he Boar d of Dir ect or s Wor k Guidelines, t he division of t asks of t he Boar d of Dir ect or s of bank bjb is as f ollows: President Director Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 474 Direktur yang Membidangi Usaha No Tugas | Dut ies 1 Mengkoor dinasikan, mengendalikan, mengembangkan, membina, mengelola ser t a mengevaluasi pelaksanaan t ugas dar i bidang-bidang yang ber ada di bawah t anggung jawabnya agar ef ekt if dan ef isien dengan mengut amakan asas keseimbangan. Coor dinat e, cont r ol, develop, guide, manage and evaluat e ef f ect ive and ef f icient implement at ion of t he t asks of t he ar eas under it s r esponsibilit y by pr ior it izing t he pr inciple of balance. 2 Mengembangkan pr ogr am ef isiensi, ef ekt ivit as dan manajemen mut u dat i pr oduk-pr oduk Bank, ser t a memast ikan dilaksanakannya secar a konsist en di lingkungan unit ker ja masing-masing. Develop ef f iciency and ef f ect iveness pr ogr am, qualit y management of t he Bank’s pr oduct s, as well as enf or ce consist ent implement at ion wit hin each wor king unit . 3 Memant au ser t a mengawasi bat al maksimal pember ian kr edit at as akt ivit as int er mediasi Bank. Monit or and cont r ol t he maximum cr edit limit on t he Bank’s int er mediat ion act ivit ies. 4 Memant au ser t a mengembalikan pener apan manajemen r isiko dan pener apan pr insip-pr insip GCG pada bidang-bidang dibawahnya. Monit or and r est or e t he implement at ion of r isk management and t he applicat ion of cor por at e gover nance pr inciples in t he f ields under his her r esponsibilit y. 5 Mengevaluasi dan menyet ujui r encana ker ja masing-masing bidang dibawahnya. Evaluat e and appr ove t he wor k plan of t he f ields under his her r esponsibilit y. Tanggung Jawab | Responsibilit ies 1 Memast ikan ber jalannya pr insip kehat i-hat ian dan kepat uhan t er hadap Per at ur ang Bank Indonesia, per at ur an per undang-undangan dan per at ur an int er nal bank lainnya yang ber laku. Ensur e t he pr inciple of pr udence and compliance wit h Bank Indonesia r egulat ions, legislat ions and ot her int er nal r egulat ions of t he bank. 2 Memast ikan inf or maasi yang t er kait dengan bidang-bidang dibawahnya selalu t er set ia unt uk Dewan Komisar is dan Bank Indonesia. Ensur e t hat inf or mat ion associat ed wit h t he ar eas under his her r esponsibilit y is always available f or t he BOC and Bank Indonesia. 3 Dalam hal Dir ekt ur akan menjalani cut i, maka per mohonan ijin cut i diajukan kepada Dir ekt ur Ut ama dengan t embusan pada Dewan Komisar is. In t he event t hat t he Dir ect or will be on leave, t he leave f r om shall be submit t ed t o t he Pr esident Dir ect or wit h a copy t o t he Boar d of Commissioner s. Direktur Bidang Operasional No Tugas | Dut ies 1 Mengkoor dinasikan, mengendalikan, mengembangkan, membina, mengelola ser t a mengevaluasi pelaksanaan t ugas dar i bidang- bidang yang ber ada dibawah t anggung jawabnya agar ef ekt if dan ef isien dengan mengut amakan asas keseimbangan. Coor dinat e, cont r ol, develop, guide, manage and evaluat e ef f ect ive and ef f icient implement at ion of t he t asks of t he ar eas under it s r esponsibilit y by pr ior it izing t he pr inciple of balance. 2 Mengembangkan pr ogr am ef isiensi, ef ekt ivit as, dan manajemen mut u dar i pr oduk-pr oduk Bank, ser t a memast ikan dilaksanakannya secar a konsist en di lingkungan unit ker ja masing-masing. Develop ef f iciency and ef f ect iveness pr ogr am, qualit y management of t he Bank’s pr oduct s, as well as enf or ce consist ent implement at ion wit hin each wor king unit . 3 Memant au ser t a mengawasi Bat as Maksimal Pember ian Kr edit at as akt ivit as int er mediasi Bank. Monit or and cont r ol t he maximum cr edit limit on t he Bank’s int er mediat ion act ivit ies. 4 Memonit or kualit as hasil ker ja dan kiner ja selur uh bidang di bawahnya agar Rencana Bisnis yang t elah dit et apkan dapat t er capai. Monit or t he qualit y of t he wor k and t he per f or mance of t he f ields under his her r esponsibilit y so as t o meet t he Business Plan t hat have been pr e-det er mined. 5 Memant au ser t a mengendalikan pener apan manajemen r isiko dan pener apan pr insip-pr insip GCG pada bidang-bidang di bawahnya. Monit or and cont r ol t he implement at ion of r isk management and t he applicat ion of cor por at e gover nance pr inciples in t he f ields under his her r esponsibilit y. Tanggung Jawab | Responsibilit ies 1 Memast ikan ber jalannya pr insip kehat i-hat ian dan kepat uhan t er hadap Per at ur an Bank Indonesia, Per at ur an Per undang-undangan dan Per at ur an Int er nal Bank lainnya yang ber laku. Ensur e t he pr inciple of pr udence and compliance wit h Bank Indonesia r egulat ions, legislat ions and ot her int er nal r egulat ions of t he bank. 2 Memast ikan inf or masi yang t er kait dengan bidang-bidang di bawahnya selalu t er sedia unt uk Dewan Komisar is dan Bank Indonesia. Ensur e t hat inf or mat ion associat ed wit h t he ar eas under his her r esponsibilit y is always available f or t he BOC and Bank Indonesia. Director of Business Director of Operations St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 475 Direktur Kepatuhan dan Manajemen Risiko No Tugas | Dut ies 1 Mengkoor dinasikan, mengendalikan, mengembangkan, membina, mengelola ser t a mengevaluasi pelaksanaan t ugas oper asional dar i bidang- bidang di bawahnya. Coor dinat e, cont r ol, develop, guide, manage and evaluat e t he implement at ion of t he t asks of t he oper at ional t asks wit hin his her esponsibilit y. 2 Melakukan koor dinasi dengan Dewan Komisar is melalui Komit e Pemant au Risiko baik at as inisiat if nya maupun at as per mint aan Dewan Komisar is dalam r angka pengendalian, pengembangan, pembinaan dan pengawasan oper asional Bank, khususnya yang t er kait dengan manajemen r isiko. Coor dinat e wit h t he Boar d of Commissioner s t hr ough t he Risk Monit or ing Commit t ee eit her on his her own init iat ive or at t he r equest of t he Boar d of Commissioner s in or der t o cont r ol, develop, guide and super vise t he Bank’s oper at ions, par t icular ly r elat ed t o r isk management . 3 Melakukan pemant auan unsur kepat uhan dan pengendalian r isiko t er hadap selur uh sat uan ker ja Bank. Monit or t he element s of compliance and r isk cont r ol in all unit s of t he Bank. 4 Memonit or kualit as hasil ker ja dan kiner ja selur uh bidang di bawahnya agar Rencana Bisnis yang t elah dit et apkan dapat t er capai. Monit or t he qualit y of t he wor k and t he per f or mance of t he f ields under his her r esponsibilit y so as t o meet t he pr e-det er mined Business Plan. 5 Melapor kan kepada Bank Indonesia at as pelaksanaan t ugas dan t anggung jawabnya secar a set iap semest er dan lapor an adanya pelanggar an di bidang keuangan dan per bankan maupun keadaan yang membahayakan kelangsungan Bank. Each Semest er , r epor t t o Bank Indonesia t he implement at ion of t he t asks and r esponsibilit ies and r epor t on t he violat ions in t he f ield of f inance and banking as well as t he cir cumst ances t hat endanger t he sur vival of t he Bank. 6 Memant au pelaksanaan pr insip kehat i-hat ian dan mengant isipasi r isiko ser t a pelaksanaan GCG melalui Rapat Dir eksi, Rapat Komit e Pemant au Risiko at aupun Rapat Komit e Manajemen Risiko t er ut ama pada ket ent uan KPMM, BMPK, KAP, PPAP, Tr ansaksi Valas PDN. Monit or t he implement at ion of t he pr inciples of pr udence and ant icipat ion of r isks and t he implement at ion of GCG t hr ough t he meet ings of t he BOD, t he Risk Monit or ing Commit t ee or t he Risk Management Commit t ee, especially r elat ed t o t he pr ovisions of CAR, LLL, KAP, PPAP, For eign ExchangeTr ansact ion PDN. 7 Member i masukan kepada Dir eksi mengenai Per at ur an Bank Indonesia dan per undang-undangan yang ber laku agar keput usan yang diambil t idak ber t ent angan dengan ket ent uan t er sebut . Pr ovide input s t o t he Boar d of Dir ect or s on Bank Indonesia r egulat ions and t he legislat ions in f or ce so t hat t he decisions ar e not cont r ar y t o t hose pr ovisions. 8 Mengkaji r ancangan keput usan sehingga t idak mengandung unsur penyimpangan t er hadap Per at ur an Bank Indonesia maupun per at ur an per undang-undangan yang ber laku ser t a Anggar an Dasar Bank. Review t he dr af t on decisions so as not t o cont ain violat ions of Bank Indonesia r egulat ions or t he legislat ions in f or ce and t he Ar t icles of Associat ion of t he Bank. 9 Mengevaluasi dan menyet ujui r encana ker ja dar i masing-masing bidang di bawahnya unt uk memast ikan bahwa Bank t elah mener apkan pr insip kehat i-hat ian, pener apan manajemen r isiko ser t a memenuhi selur uh Per at ur an Bank Indonesia, per at ur an per undang- undangan ser t a per at ur an int er nal lainnya yang ber laku. Evaluat e and appr ove t he wor k plan of t he f ields under his her r esponsibilit y t o ensur e t hat t he Bank has implement ed t he pr inciple of pr udence, r isk management pr act ices and f ulf ill all Bank Indonesia r egulat ions, legislat ions and ot her int er nal r egulat ions in f or ce. 10 Mensosialisasikan Per at ur an Bank Indonesia, per at ur an per undang- undangan t er bar u kepada pihak-pihak t er kait . Socialize t he Regulat ions of Bank Indonesia, t he lat est legislat ions t o t he par t ies concer ned. Tanggung Jawab | Responsibilit ies 1 Memast ikan semua r ancangan keput usan yang menjadi cakupan t ugasnya t elah diket ahui dan diuji, sepanjang r ancangan keput usan t er sebut disampaikan secar a t er buka kepada Dir ekt ur Yang Membawahkan Fungsi Kepat uhan. Ensur e t hat all of t he dr af t s of decision under his her scope of wor k have been acknowledged and t est ed, as well as pr esent ed publicly t o t he Dir ect or who leads t he Compliance f unct ion. 2 Memast ikan bahwa r ancangan keput usan yang menur ut pengkajian Dir ekt ur yang Membawahkan Fungsi Kepat uhan mengandung unsur pelanggar an benar -benar dipat uhi unt uk t idak dilaksanakan oleh f or um at au pejabat pembuat keput usan. Ensur e t hat t he dr af t s of decision accor ding t o t he assessment of t he compliance f unct ion cont ain violat ions ar e st r ict ly adher ed t o and ar e not implement ed by t he f or um or of f icial decision-maker s. 3 Memast ikan bahwa Bank t elah memenuhi selur uh per at ur an Bank Indonesia, per at ur an Per undang-undangan lainnya dan Kebijakan Int er n Bank yang ber laku dalam r angka menjamin kepat uhan t er hadap hukum dan pr insip kehat i-hat ian. Ensur e t hat t he Bank has complied wit h all Bank Indonesia r egulat ions, ot her applicable legislat ions and t he Bank’s Int er nal Policy in or der t o ensur e compliance wit h t he law and t he pr inciple of pr udence. Director of Compliance and Risk Management Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 476 No Tugas | Dut ies 4 Memast ikan Good Cor por at e Gover nance t elah dilaksanakan. Ensur e t he implement at ion of Good Cor por at e Gover nance. 5 Memast ikan pener apan pr insip mengenal nasabah t elah dilaksanakan. Ensur e t he implement at ion of KYC pr inciples. 6 Memast ikan Manajemen Risiko Kepat uhan t elah dilaksanakan. Ensur e t he implement at ion of Compliance Risk Management . Keberagaman Anggota Direksi bank bjb saat ini dipimpin oleh 7 t ujuh or ang Dir eksi yang t er dir i at as Dir ekt ur Ut ama, Dir ekt ur Kepat uhan dan Manajemen Risiko, Dir ekt ur Konsumer , Dir ekt ur Keuangan, Dir ekt ur Komer sial, Dir ekt ur Mikr o dan Dir ekt ur Oper asional. Komposisi susunan Dir eksi yang dimiliki Per ser oan pada t ahun 20 15 memiliki keber agaman dar i sisi gender , pendidikan dan pengalaman kar ir . Ker agaman gender anggot a Dir eksi dapat t er lihat dengan komposisi yang diisi oleh 3 or ang per empuan dan 4 or ang laki-laki. Sement ar a it u, lat ar belakang pendidikan masing- masing Dir eksi pun ber agam, seper t i nampak pada asal lembaga pendidikan ant ar a lain dar i Univer sit as Padjadjar an, Inst it ut Per t anian Bogor , Univer sit as Pasundan Bandung dan Univer sit as Gadjah Mada. Ker agaman t er sebut sangat diper lukan bagi Per ser oan sebab diyakini dapat member i war na bagi pengelolaan Per usahaan dan member ikan sudut pandang ber beda dalam upaya memajukan dan mengembangkan bisnis Per ser oan. Dar i sisi pengalaman kar ir , beber apa anggot a Dir eksi memiliki pengalaman kar ir yang cukup panjang di bank bjb, seper t i sebagai Pemimpin Divisi dan Kepala Kant or Wilayah. Sement ar a anggot a Dir eksi lainnya per nah menjabat sebagai Dist r ibut ion Head UMK di Bank BTPN dan Kepala Dir ekt ur Kepat uhan di Bank DKI. Dengan pengalaman t er sebut , jajar an Dir eksi menget ahui st r at egi bisnis dan kebut uhan pengembangan usaha Per ser oan ke depan. Pengalaman kar ir t er sebut sangat membant u dalam hal pengambilan keput usan oleh par a Dir eksi, sehingga dapat memper t imbangkan ber bagai aspek agar dapat menunjang bisnis Per ser oan ke depannya. Independensi Direksi Per ser oan menet apkan bahwa dalam mengelola akt ivit as usaha, Dir eksi menjalankan segala t indakan pengur usan Per ser oan at au hubungan dengan pihak lain secar a independen t anpa campur t angan pihak-pihak lain. Selain it u juga t idak ber t ent angan dengan per at ur an per undang undangan dan Anggar an Dasar Per ser oan yang secar a mat er ial dapat mengganggu keobjekt if an dan kemandir ian Diversed Members of Board of Directors bank bjb is cur r ent ly led by seven 7 Dir ect or s consist ing of t he Dir ect or , t he Dir ect or of Compliance and Risk Management , Consumer Dir ect or , Financial Dir ect or , Commer cial Dir ect or , Dir ect or of Micr o and Dir ect or of Oper at ions. The composit ion of Boar d of Dir ect or s of t he Company in 20 15 has diver sit y in t er ms of gender , educat ion and car eer exper ience. A gender diver sit y can be seen by member s of t he Boar d of Dir ect or s composit ion t hat is f illed by 3 women and 4 men. Meanwhile, t he educat ional backgr ound of each Dir ect or was diver se, as r ef lect ed in bot h t he or igin of t heir educat ional inst it ut ions such as t he Univer sit y of Padjadjar an, Bogor Inst it ut e of Agr icult ur e, Univer sit y of Pasundan Bandung and Univer sit y of Gadjah Mada. Such diver sit y is necessar y f or t he Company because it is believed t o give color t o t he management of t he Company and pr ovide a dif f er ent per spect ive in an ef f or t t o pr omot e and develop t he Company’s business. In t er ms of car eer exper ience, some member s of t he Boar d of Dir ect or s have a long enough car eer exper ience in bank bjb, such as act ing as a Division Leader and Head of Regional Of f ice. While ot her member s of t he Boar d of Dir ect or s have ser ved as a Dist r ibut ion Head MSE in BTPN and Chief Compliance Dir ect or of Bank DKI. Wit h t hese exper iences, t he Boar d of Dir ect or s ar e awar e of business st r at egies and business development needs of t he Company in t he f ut ur e. Their car eer exper iences ar e ver y usef ul in t er ms of consider ing var ious aspect s of t he business t o suppor t t he Company’s f ut ur e. Independency of Board of Directors The company decides t hat t o manage business act ivit ies, t he Boar d of Dir ect or s car r y out all act s of management of t he Company or f or ming r elat ionships wit h ot her par t ies independent ly wit hout int er f er ence f r om ot her par t ies. In doing so, t hey also must not conf lict t he laws and r egulat ions and t he Ar t icles of Associat ion of t he Company which mat er ially can dist ur b t he object ivit y and independence St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 477 t ugas Dir eksi. Selur uh t ugas yang dijalankan Dir eksi semat a- mat a dilakukan unt uk kepent ingan Per ser oan. Ber dasar kan Anggar an Dasar Per ser oan, ant ar anggot a Dir eksi ser t a ant ar a anggot a Dir eksi dengan anggot a Dewan Komisar is t idak memiliki hubungan keluar ga sampai der ajat ket iga baik menur ut gar is lur us maupun gar is kesamping t er masuk hubungan yang t imbul kar ena per kawinan. Program Pengenalan Orientasi bagi Direktur Baru Hingga saat ini, Per ser oan t idak memiliki Pr ogr am Or ient asi bagi Dir eksi bar u. Pr of il Anggot a Dir eksi Per ser oan yang bar u akan diper kenalkan secar a langsung pada saat pengangkat annya dalam Rapat Umum Pemegang Saham kepada Pemegang Saham. Pada saat ber samaan, Per ser oan juga secar a langsung mengenalkan mengenai kondisi Per ser oan kepada Dir eksi bar u t er sebut . Kepemilikan Saham Direksi Kepemilikan Saham Oleh Dir eksi per iode 31 Desember 20 15 Nama | Name Status Periode | Per iod Saham | Shar es Persentase | Per cent age LA Suar t ini Dir eksi | Boar d of Dir ect or s 12 31 20 15 5,0 0 0 0 .0 0 0 L Tanggung Jawab Direksi Board Charter Sesuai dengan Sur at Keput usan Dir eksi No. 519 SK Dir - CS 20 11 t anggal 20 Sept ember 20 11, t anggung jawab dir eksi adalah sebagai ber ikut : 1. Ber t anggung jawab at as Lapor an Keuangan. 2. Dalam penyelenggar aan t ugas yang ber sif at st r at egis unt uk kepent ingan maksud dan t ujuan Bank, ber t anggung jawab secar a kolegial. Set iap anggot a Dir eksi ber t anggung jawab dalam menyelenggar akan kegiat an oper asional dar i keput usan yang ber sif at st r at egis dan keput usan lainnya sesuai dengan t ugas dan wewenangnya. 3. Wajib memper t anggungjawabkan pelaksanaan t ugasnya kepada RUPS. 4. Dalam r angka memper t ahankan kesinambungan usaha Bank, har us dapat memast ikan dipenuhinya t anggung jawab sosial Bank yait u dengan adanya per encanaan t er t ulis yang jelas dan f okus dalam melaksanakan t anggung jawab sosial Bank. 5. Segala keput usan yang diambil sesuai dengan pedoman dan t at a t er t ib ker ja mengikat dan menjadi t anggung jawab selur uh Dir eksi. 6. Ber t anggung jawab at as pener apan Et ika Usaha dan Tat a Per ilaku di lingkungan Per usahaan. of t heir t ask. All of t he Dir ect or s dut ies per f or med solely f or t he benef it of t he Company. Based on t he Ar t icles of Associat ion, among t he member of Boar d of Dir ect or s and among t he member s of Boar d of Dir ect or s and t he member s of t he Boar d of Commissioner s shall not have any f amily r elat ionship t o t he t hir d degr ee eit her ver t ically or hor izont ally including r elat ionships ar ising f r om mar r iage. Introduction Orientation Program f or the New Director Unt il now, t he Company has no or ient at ion pr ogr am f or new Dir ect or s. The Pr of iles of Member of Boar d of Dir ect or s will be int r oduced dir ect ly at t he t ime of his appoint ment t o t he Gener al Meet ing of Shar eholder s t o Shar eholder s. At t he same t ime, t he Company also dir ect ly int r oduces t he condit ion of t he Company t o t he new Boar d of Dir ect or s. Board of Directors Shares Ownership For a per iod of 31 December 20 15 Responsibilities of the Board of Directors Board Charter Pur suant t o t he Boar d of Dir ect or s Decr ee No. 519 SK Dir - CS 20 11 dat ed Sept ember 20 , 20 11, t he r esponsibilit ies of t he Boar d of Dir ect or s ar e as f ollow: 1. Responsible f or t he Bank’s f inancial st at ement s 2. The Boar d of Dir ect or s is collegially r esponsible f or t he implement at ion of st r at egic t asks f or t he benef it of int ent s and pur poses of t he Bank. Each member of t he Boar d of Dir ect or s is r esponsible f or conduct ing t he oper at ional act ivit ies of t he st r at egic decisions and ot her decisions in accor dance t o his her dut ies and r esponsibilit ies. 3. The Boar d of Dir ect or s is obliged t o be held account able f or t he implement at ion of dut ies t o t he GMS. 4. In or der t o maint ain t he Bank’s business cont inuit y, t he Boar d of Dir ect or s must ensur e t he f ulf illment of t he Bank’s social r esponsibilit y wit h a clear wr it t en plan and f ocus in implement ing t he Bank’s social r esponsibilit y. 5. All decisions t aken in accor dance t o t he wor k guidelines and r egulat ions ar e binding and become t he r esponsibilit y of t he ent ir e Boar d of Dir ect or s. 6. The Boar d of Dir ect or s is r esponsible f or t he implement at ion of Business Et hics and Cor por at e Conduct wit hin t he Company Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 478 Rangkap Jabatan Direksi Selur uh anggot a Dir eksi t idak memiliki r angkap jabat an sebagai Dewan Komisar is, Dir eksi at au Pejabat Eksekut if pada Bank, Lembaga Keuangan Non Bank at au per usahaan lain yang ber kedudukan di dalam dan di luar neger i. Hubungan Direksi dan Dewan Komisaris Secar a umum, hubungan Dir eksi dengan Dewan Komisar is sesuai Anggar an Dasar Bank dan Per at ur an Per undang- undangan ser t a Per at ur an Bank Indonesia yang ber laku, adalah: 1. Dir eksi dan Dewan Komisar is secar a ber sama-sama menandat angani dokumen Per usahaan, yait u Rencana Kor por asi, Rencana Bisnis, dan Lapor an Keuangan Tahunan Bank. 2. Tr ansaksi yang ber dir i sendir i at aupun yang Dir eksi ber t anggung jawab unt uk memast ikan agar semua inf or masi mengenai Bank secar a t epat wakt u dan lengkap disampaikan kepada Dewan Komisar is. 3. Dir eksi wajib member ikan akses at as inf or masi Bank secar a t epat wakt u dan lengkap kepada Dewan Komisar is. 4. Direksi wajib membebaskan para anggota Dewan Komisaris untuk secara bersama-sama maupun sendiri setiap waktu dalam jam kerja Bank, berhak memasuki bangunan dan halaman atau tempat lain yang dipergunakan atau yang dikuasai oleh Bank dan berhak memeriksa semua pembukuan, surat dan alat bukti lainnya, persediaan barang, memeriksa dan mencocokkan keadaan uang kas untuk keperluan verif ikasi dan lain- lain surat berharga serta berhak untuk mengetahui segala tindakan yang dijalankan oleh Direksi. 5. Dir eksi dan t iap anggot a Dir eksi wajib unt uk member ikan penjelasan t ent ang segala hal yang dit anyakan oleh anggot a Dewan Komisar is. 6. At as per mint aan t er t ulis dar i Dewan Komisar is, Dir eksi member ikan ket er angan hasil pemer iksaan at au hasil pelaksanaan t ugas Int er nal Audit . 7. Menyampaikan lapor an keuangan bulanan sesuai per mint aan Dewan Komisar is;. 8. Menyampaikan sur at per mohonan per set ujuan t ambahan modal diset or unt uk mendapat per set ujuan Dewan Komisar is. 9. Menyampaikan lapor an pelaksanaan manajemen r isiko dan lapor an pelaksanaan t ugas bidang kepat uhan kepada Dewan Komisar is. Concurrent Position of the Board of Directors All member s of t he Boar d of Dir ect or s do not hold concur r ent posit ion as t he Boar d of Commissioner s, Boar d of Dir ect or s or Execut ive Of f icer in ot her Banks, Non-Bank Financial Inst it ut ions or ot her companies locat ed inside and out side t he count r y. Relationship of the Board of Directors and the Board Commissioners In gener al, t he r elat ionship bet ween t he Boar d of Dir ect or s and t he Boar d of Commissioner s shall be in accor dance wit h t he Bank’s Ar t icles of Associat ions and Rules and Regulat ions, as well as Bank Indonesia Regulat ion, namely: 1. The Boar d of Dir ect or s and Boar d of Commissioner s joint ly sign t he Company’s document s, namely t he t he Bank’s Cor por at e Plan, Business Plan and Annual Financial St at ement s. 2. Stand-alone transactions or those of which the Board of Directors bear the responsibility to ensure that all inf ormation regarding the Bank is submitted in a complete and timely manner to the Board of Commissioners. 3. The Boar d of Dir ect or s ar e r equir ed t o pr ovide access t o Bank inf or mat ion in a complet e and t imely manner t o t he Boar d of Commissioner s. 4. The Boar d of Dir ect or s shall r elieve t he Boar d of Commissioner s t o joint ly or individually at any t ime in t he Bank’s wor king hour s, ent it lement t o ent er t he building and yar d or ot her place used or occupied by t he Bank and t he r ight t o inspect all books, let t er s and ot her evidence, t he supply of goods , check and cash t o mat ch t he st at e money f or ver if icat ion pur poses and ot her secur it ies and ar e ent it led t o know all t he act ions per f or med by t he Boar d of Dir ect or s. 5. The Boar d of Dir ect or s and each member of t he Boar d of Dir ect or s is obliged t o give explanat ions on all mat t er s asked by member s of t he Boar d of Commissioner s. 6. Upon a wr it t en r equest of t he Boar d of Commissioner s, t he Boar d of Dir ect or s shall pr ovide inf or mat ion r egar ding t he r esult of examinat ion or implement at ion of t asks of t he Int er nal Audit Unit . 7. Deliver t he mont hly f inancial r epor t as r equest ed by t he Boar d of Commissioner s. 8. Submit a let t er t o gain appr oval on t he pr oposal of an addit ional paid-in capit al f r om t he Boar d of Commissioner s. 9. Submit t he r isk management r epor t and t he compliance r epor t t o t he Boar d of Commissioner s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 479 10 . Menyampaikan mat er i RUPS RUPSLB unt uk menjadi bahan keput usan ber sama dan mendapat per set ujuan Dewan Komisar is dengan Dir eksi. 11. Jika dianggap per lu, Dewan Komisar is dapat memint a secar a langsung inf or masi dar i f ungsi-f ungsi manajemen t er kait oper asional Bank unt uk melaksanakan f ungsi pengawasan dengan sepenget ahuan Dir eksi. 12. Dir eksi dan at au pejabat Bank lainnya wajib menghadir i undangan r apat Dewan Komisar is dengan sepenget ahuan Dir eksi. 13. Dir eksi wajib member ikan akses at as inf or masi Bank kepada Komit e-komit e yang membant u Dewan Komisar is dengan sebelumnya mengir imkan pember it ahuan t er lebih dahulu melalui Dewan Komisar is kepada Dir eksi. 14. Dir eksi dapat mengundang anggot a Dewan Komisar is jika diper lukan pendapat nya dalam Rapat Dir eksi. 15. Risalah Rapat Dir eksi har us t er sedia apabila dimint a oleh anggot a Dewan Komisar is. 16. Dir eksi mempunyai hak dan wewenang unt uk menet apkan kebijaksanaan Per ser oan ber dasar kan per set ujuan Dewan Komisar is dalam menjamin kepengur usan Per ser oan, kecuali dit et apkan lain ber dasar kan per at ur an per undang- undangan. 17. Dir eksi menet apkan susunan Or ganisasi dan t at a ker ja Per ser oan dengan per set ujuan Dewan Komisar is. 18. Dir eksi ber dasar kan per set ujuan t er t ulis Dewan Komisar is dengan ber pedoman kepada per undang- undangan yang ber laku dapat melakukan hal-hal sebagai ber ikut : a. Mengadakan ker ja sama Bangun Guna Ser ah Built , Oper at e, and Tr ansf er BOT, Bangun Guna Milik Built , Oper at e and Own BOO dan per janjian- per janjian lain yang mempunyai sif at yang sama. b. Mengambil bagian at au ikut ser t a dalam Per ser oan badan-badan lain at au menyelenggar akan per usahaan bar u yang t idak dalam r angka penyelamat an piut ang, sesuai dengan ket ent uan yang ber laku. c. Melepaskan sebagian at au selur uhnya penyer t aan Per ser oan dalam per usahaan at au badan-badan lain. 19. Menggunakan cadangan unt uk penghapusan kr edit kepada pihak t er kait sebagaimana diat ur dalam ket ent uan Bat as Maksimum Pember ian Kr edit BMPK Umum at au per at ur an per undangan yang ber laku. 20 . Melakukan hapus t agih t er hadap pokok kr edit yang diber ikan kepada pihak t er kait sesuai dengan per at ur an per undangan yang ber laku. 21. Tr ansaksi yang t er dir i sendir i at aupun yang ber kait an sat u sama lain, yang t er jadi dalam jangka wakt u 1 sat u t ahun buku at au jangka wakt u yang lebih lama 10 . Deliver t he mat er ials f or GMS EGMS f or t he joint decision and t o be appr oved by t he Boar d of Commissioner s and t he Boar d of Dir ect or s. 11. If deemed necessar y, t he Boar d of Commissioner s may r equest inf or mat ion dir ect ly f r om t he management f unct ions r elat ed t o Bank oper at ions t o car r y out monit or ing f unct ions at t he discr et ion of t he Dir ect or s. 12. Dir ect or s and ot her Bank of f icials must at t end t he meet ing of t he Boar d of Commissioner s at t he discr et ion of t he Boar d of Dir ect or s. 13. Dir ect or s ar e r equir ed t o pr ovide access t o bank inf or mat ion t o t he Commit t ees assist ing t he Boar d of Commissioner s by deliver ing pr ior not ice t hr ough t he Boar d of Commissioner s t o t he Boar d of Dir ect or s. 14. Dir ect or s may invit e member s of t he Boar d of Commissioner s if t heir opinion is r equir ed in t he Boar d of Dir ect or s Meet ing. 15. The minut es of t he Boar d of Dir ect or s Meet ing shall be available if r equest ed by t he Boar d of Commissioner s. 16. Boar d of Dir ect or s has t he r ight and aut hor it y t o set t he Company’s policy based on t he appr oval of t he Boar d of Commissioner s in ensur ing t he management of t he Company, unless st ipulat ed ot her wise by t he laws and r egulat ions. 17. The Board of Directors establishes the composition of the organization and the working procedures of the Company with the approval of the Board of Commissioners. 18. Based on t he wr it t en consent of t he Boar d of Commissioner s, t he Boar d of Dir ect or s, wit h r ef er ence t o t he applicable legislat ions, can per f or m t he f ollowing: a. Wor k under t he Built , Oper at e and Tr ansf er BOT agr eement , Built , Oper at e, Own BOO agr eement , and ot her agr eement s wit h t he same pr oper t ies. b. Take par t or par t icipat e in ot her Companies ot her agencies or est ablish a new company wit h ot her r eason t han r escuing r eceivable, in accor dance wit h t he applicable r egulat ions. c. Waive some or all of t he Company’s invest ment s in ot her companies or ot her ent it ies. 19. Use t he r eser ve t o eliminat e cr edit t o r elat ed par t ies as st ipulat ed in t he Legal Lending Limit LLL or t he applicable legislat ions. 20 . Er ase t he pr incipal r eceivable on loans t o r elat ed par t ies in accor dance wit h t he applicable r egulat ions. 21. St and alone t r ansact ion or t r ansact ions t hat ar e associat ed wit h one anot her , which occur r ed wit hin a per iod of 1 one year or longer per iod as st ipulat ed Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 480 sebagaimana diat ur dalam Anggar an Dasar Per ser oan dapat dilakukan Dir eksi dengan per set ujuan t er t ulis dar i Dewan Komisar is, dengan memper hat ikan per at ur an per undang-undangan yang ber laku khususnya per at ur an Pasar Modal. 22. Dalam hal Bank mempunyai bent ur an kepent ingan dengan kepent ingan pr ibadi seor ang anggot a Dir eksi, maka Per ser oan akan diwakili oleh anggot a Dir eksi lainnya dan dalam hal Per ser oan mempunyai kepent ingan yang ber t ent angan dengan kepent ingan selur uh anggot a Dir eksi, maka dalam hal ini bank diwakili oleh Dewan Komisar is. 23. Pengur usan Per ser oan oleh Dir eksi pada umumnya, baik mengenai Per ser oan maupun usaha Per ser oan dan member ikan nasehat kepada Dir eksi dijalankan dibawah pengawasan Dewan Komisar is. Pelaksanaan Tugas Direksi Selama t ahun 20 15, Dir eksi t elah melaksanakan t ugas pengur usan bank bjb sebagaimana t er cant um dalam Anggar an Dasar Per ser oan, diant ar anya: 1. Pelaksanaan kepengur usan Bank. 2. Pengelolaan aset dan keuangan Bank. 3. Penyusunan per encanaan per usahaan, ant ar a lain RBB 20 15 dan r evisi RBB 20 15. 4. Penyelenggar aan r apat Dir eksi, menghadir i r apat Dewan Komisar is dan RUPS. 5. Pengawasan dan per baikan pr oses bisnis int er nal. 6. Menet apkan Manajemen Risiko dan pr insip-pr insip GCG. 7. Pemenuhan t ar get kiner ja Bank. 8. Pelaksanaan t ugas lainnya t er kait kepengur usan Bank. Pelatihan Direksi NAMA | NAME UNIT PELATIHAN | TRAINING Zaenal Ar ipin Dir ekt ur Kepat uhan Manajemen Risiko 2nd Conf er ence On Sust ainable Ur banizat ion Icsu 20 15 Nia Kania Dir ekt ur Keuangan Ref r eshment Ser t if ikasi Manajemen Risiko L5 Ahmad Ir f an Dir ekt ur Ut ama Ref r eshment Ser t if ikasi Manajemen Risiko L5 Ahmad Ir f an Dir ekt ur Ut ama Kegiat an Gar p 16 Th Annual Risk Management Zaenal Ar ipin Dir ekt ur Kepat uhan Manajemen Risiko Cor por at e Risk Evaluat ion Public Tr aining Agus Mulyana Dir ekt ur Kepat uhan Manajemen Risiko Ref r eshment Ser t if ikasi Manajemen Risiko L5 Tema:Bagaimana Meningkat kan Inf r ast r ukt ur Melalui Kr edit Sindikasi in t he Ar t icles of Associat ion of t he Company can be per f or med by t he Dir ect or s wit h t he wr it t en appr oval of t he Boar d of Commissioner s, wit h due r egar d t o par t icular ly t he pr evailing Capit al Mar ket legislat ions. 22. In t he event t he bank has a conf lict of int er est wit h t he pr ivat e int er est s of a member of t he Boar d of Dir ect or s, t he Company will be r epr esent ed by ot her member of t he Boar d of Dir ect or s and in t he event t he Company has an int er est in t hat ar e cont r ar y t o t he int er est s of all member s of t he Boar d of Dir ect or s, t hen in t his case t he bank is r epr esent ed by t he Boar d of Commissioner s. 23. The Management of t he Company by t he Boar d of Dir ect or s in gener al, bot h r egar ding t he Company and t he Company’s business and pr oviding advice t o t he Boar d of Dir ect or s r uns under t he super vision of t he Boar d of Commissioner s. Duties of the Board of Directors Dur ing 20 15, t he Boar d of Dir ect or s has under t aken t he t ask of managing bank bjb as st at ed in t he Ar t icles of Associat ion of t he Company, including: 1. Management of t he Bank. 2. Manage t he Bank’s asset s and f inance. 3. Pr epar at ion of cor por at e planning, among RBB 20 15 and r evision of RBB 20 15. 4. Hold t he Boar d of Dir ect or s meet ing, at t end t he Boar d of Commissioner s meet ings and t he GMS. 5. Monitoring and improvement of internal business processes. 6. Est ablish a Risk Management and cor por at e gover nance pr inciples. 7. Fulf illment of per f or mance t ar get s Bank. 8. Implement at ion of ot her t asks r elat ed t o t he management of t he Bank. Training of the Board of Directors St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 481 NAMA | NAME UNIT PELATIHAN | TRAINING Fer miyant i Dir ekt ur Konsumer Pr ogr am Tr ansf or masi Bpd Menuju Regional Champion Zaenal Ar ipin Dir ekt ur Kepat uhan Manajemen Risiko The Sout h Pacif ic And Asia Conf er ence 20 15 Public Tr aining Agus Mulyana Dir ekt ur Kepat uhan Manajemen Risiko Ref r eshment Ser t if ikasi Manajemen Risiko L5 Tema: Cr edit Risk Rat ing Agus Mulyana Dir ekt ur Kepat uhan Manajemen Risiko Tindak Pidana Pencucian Uang Dan Uu No.8 Tahun 20 10 Tent ang Pencegahan Dan Pember ant asan Tindak Pidana Pencucian Uang Benny Sant oso Dir ekt ur Oper asional Ref r eshment Ser t if ikasi Manajemen Risiko L5 Tema: Business Cont inuit y Management Bcm Fer miyant i Dir ekt ur Konsumer Seminar Financial Lit er acy To Suppor t Financial Inclusion Ahmad Ir f an Dir ekt ur Ut ama Seminar Financial Lit er acy To Suppor t Financial Inclusion Suar t ini Dir ekt ur Komer sial Int r oduct ion To Fact or ing St r uct ur ing Fact or ing Tr ansact ion Suar t ini Dir ekt ur Komer sial Int r oduct ion To Fact or ing St r uct ur ing Fact or ing Tr ansact ion Wor kshop Agus Mulyana Dir ekt ur Kepat uhan Manajemen Risiko Ref r eshment Ser t if ikasi Manajemen Risiko Tema : Rencana Bisnis Bank Sebagai Sar ana Bank Dalam Mengendalikan Risiko St r at egik Fer miyant i Dir ekt ur Konsumer Shor t Cour ses : Valuat ion Fer miyant i Dir ekt ur Konsumer Seminar Nasional Bpd Si Agus Gunawan Dir ekt ur Mikr o Out bond Dir ekt or at Mikr o Benny Sant oso Dir ekt ur Oper asional Int er nat ional Risk Management Ref r eshment Pr ogr am For Execut ives Agus Mulyana Dir ekt ur Kepat uhan Manajemen Risiko Alm Liquidit y Risk Management Cour se Banking Compar at ive St udy Ahmad Ir f an Dir ekt ur Ut ama Alm Liquidit y Risk Management Cour se Banking Compar at ive St udy Agus Gunawan Dir ekt ur Mikr o Mast er Class Risk Gover nance Tr aining Cer t if icat ion Dan Int er nat ional Seminar On Ent er pr ise Risk Management Benny Sant oso Dir ekt ur Oper asional Mast er Class Risk Gover nance Tr aining Cer t if icat ion Dan Int er nat ional Seminar On Ent er pr ise Risk Management Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 482 Assessm ent t erhadap Dew an Kom isaris dan Direksi Assessm ent t o Bo ard of Co m m issio ners and Bo ard of Direct o rs Proses Pelaksanaan Assessment Kinerja Pr oses pelaksanaan assessment t er hadap kiner ja Dewan Komisar is dilakukan oleh Pemegang Saham dilakukan melalui mekanisme Rapat Umum Pemegang Saham RUPS dengan mengacu pada Kont r ak Manajemen yang t elah disepakat i sebelumnya oleh Pemegang Saham, Dewan Komisar is, dan Dir eksi. Prosedur Penilaian Hasil assessment Dewan Komisar is ber dasar kan kr it er ia- kr it er ia di at as disampaikan kepada pemegang saham unt uk dilakukan penilaian. Hasil akhir penilaian t er sebut disampaikan oleh pemegang saham melalui f or um RUPST. Kriteria Asessment Kinerja Dewan Komisaris Penilaian kiner ja anggot a Dewan Komisar is dif asilit asi oleh Komit e Nominasi dan Remuner asi dengan sist em self -assessment at au sist em lain yang dit et apkan oleh r apat Dewan Komisar is. Penilaian kiner ja Dewan Komisar is dilakukan ber dasar kan kr it er ia sebagai ber ikut : a. Kehadir an dalam r apat Dewan Komisar is. b. Kehadir an dalam r apat Komit e di t ingkat Dewan Komisar is. c. Kiner ja anggot a Dewan Komisar is dapat dinilai menur ut f akt or lainnya baik secar a individual maupun kolekt if , ant ar a lain: i. Int egr it as, misalnya bent ur an kepent ingan yang muncul. ii. Hubungan anggot a Dewan Komisar is dengan sesama anggot a Dewan Komisar is, dengan Dir eksi dan pihak- pihak lain yang diat ur dalam Anggar an Dasar dan Per at ur an Per undang-undangan ser t a Per at ur an Bank Indonesia yang ber laku. Implementation of Perf ormance Assessment The implement at ion of t he per f or mance assessment of t he Boar d of Commissioner s is conduct ed by t he Shar eholder s t hr ough a mechanism in t he Gener al Meet ing of Shar eholder s AGM wit h r ef er ence t o t he Management Cont r act agr eed in advance by t he Shar eholder s, t he Boar d of Commissioner s and Boar d of Dir ect or s. Evaluation Procedure The assessment r esult of Boar d of Commissioner is based on t he cr it er ia above t hat is deliver ed t o t he shar eholder s f or evaluat ion pur poses. The f inal r esult is deliver ed t o t he shar eholder s t hr ough Annual Gener al Meet ing of Shar eholder s f or um. Board of Commissioners Criteria of Perf ormance Assessment The evaluat ion on per f or mance of member s of t he Boar d of Commissioner s is f acilit at ed by t he Nominat ion and Remuner at ion Commit t ee using t he self -assessment syst em or any ot her syst em est ablished by Boar d of Commissioner s meet ing. The evaluat ion of per f or mance of t he Boar d of Commissioner s is based on t he f ollowing cr it er ia: a. At t endance in Boar d of Commissioner s meet ings. b. At t endance in a commit t ee level equivalent t o Boar d of Commissioner s meet ings. c. Per f or mance of member of Boar d of Commissioner s may be evaluat ed individually and collect ively, among ot her s: i. Int egr it y, f or example t he r ise of conf lict of int er est s. ii. Relat ionships wit h f ellow member s of t he Boar d of Commissioner s, t he Boar d of Dir ect or s and ot her par t ies set f or t h in t he Const it ut ion and Legislat ion and pr evailing Regulat ions of Bank of Indonesia. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 483 Assessment terhadap Direksi Proses Pelaksanaan Assessment Kinerja Pr oses pelaksanaan assessment t er hadap kiner ja Dir eksi oleh Pemegang Saham dilakukan melalui mekanisme Rapat Umum Pemegang Saham RUPS dengan mengacu pada Kont r ak Manajemen yang t elah disepakat i sebelumnya oleh Pemegang Saham, Dewan Komisar is, dan Dir eksi. Prosedur Penilaian Hasil penilaian Dir eksi yang dilakukan oleh Dewan Komisar is, t er sebut disampaikan kepada Pemegang Saham, unt uk diput uskan di dalam Rapat Umum Pemegang Saham Tahunan. Indikator Penilaian Kinerja Direksi Penilaian kiner ja anggot a Dir eksi dilakukan oleh Rapat Dewan Komisar is dan at au sist em lain yang dit et apkan oleh pemegang saham. Penilaian kiner ja Dir eksi dir umuskan oleh Komit e Remuner asi dan Nominasi ser t a dit et apkan oleh Dewan Komisar is set elah didiskusikan dengan Dir eksi, sekur ang- kur angnya meliput i: 1. Kiner ja Dir eksi secar a kolegial t er hadap pencapaian t ar get Bank sesuai dengan Rencana Kor por asi dan Rencana Bisnis. 2. Pelaksanaan pr insip-pr insip GCG baik secar a individual maupun kolegial. Dewan Komisar is dapat menilai kiner ja anggot a Dir eksi menur ut f akt or lainnya, ant ar a lain: 1. Pencapaian t ar get dan anggar an yang t elah dit et apkan pada awal t ahun anggar an. 2. Int egr it as, misalnya bent ur an kepent ingan muncul. 3. Penget ahuan dan pemahaman anggot a Dir eksi at as nilai- nilai, misi, r encana st r at egis ser t a r encana usaha Bank, dan mer ef leksikan pemahaman ini kepada isu-isu pent ing sepanjang t ahun. 4. Par t isipasi Dir eksi dalam r apat -r apat t er masuk kemampuan unt uk menyampaikan, member ikan ar gument asi dan member ikan solusi mengenai isu-isu st r at egis Bank. Assessment on Board of Directors Implementation Process on Assessment on Perf ormance The pr ocess of implement at ion of t he assessment on t he per f or mance of t he Boar d of Dir ect or s by t he mechanism in t he Gener al Meet ing of Shar eholder s AGM r ef er s t o t he Management Cont r act agr eed in advance by t he Shar eholder s, t he Boar d of Commissioner s and Boar d of Dir ect or s. Evaluation Procedure The r esult s of t he assessment conduct ed on t he Boar d of Dir ect or s by t he Boar d of Commissioner s, is submit t ed t o t he Shar eholder s, t o be decided at t he Annual Gener al Meet ing of Shar eholder s. Indicators of Assessment on the Perf ormance of Board of Directors The per f or mance assessment on t he member s of t he Boar d of Dir ect or s is conduct ed at t he Meet ing of t he Boar d of Commissioner s and or ot her syst em est ablished by t he shar eholder s. Evaluat ion on t he per f or mance of t he Boar d of Dir ect or s f or mulat ed by t he Remuner at ion and Nominat ion Commit t ee and decided by t he Boar d of Commissioner s af t er a discussion wit h t he Boar d of Dir ect or s, which at least include t he f ollowing: 1. Per f or mance of Dir ect or s collegially t owar ds t he achievement of t he Bank in accor dance wit h t he Cor por at e Plan and Business Plan. 2. The implement at ion of good cor por at e gover nance pr inciples, bot h individually and collegially. The Boar d of Commissioner s can assess t he per f or mance of t he member s of t he Boar d of Dir ect or s accor ding t o ot her f act or s, among ot her s: 1. Achievement of t he set out t ar get s and budget ing at t he beginning of t he budget year . 2. Int egr it y, f or example, t he r ise of conf lict s of int er est . 3. Knowledge and under st anding of t he member s of t he Boar d of Dir ect or s on t he values, mission, st r at egic plan and business plan of t he Bank, and r ef lect t his under st anding t o handle impor t ant issues t hr oughout t he year . 4. Par t icipat ion in t he meet ings of t he Boar d of Dir ect or s including t he abilit y t o deliver , pr ovide ar gument s and pr ovide solut ions r egar ding st r at egic issues Bank. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 484 5. Kemampuan Dir eksi dalam mengikut i isu-isu dan t r en yang ber pengar uh t er hadap Bank, dan menggunakan inf or masi t er sebut unt uk menilai dan mengar ahkan kiner ja Bank, bukan hanya dar i t ahun ke t ahun, akan t et api juga dalam jangka panjang. 6. Hubungan anggot a Dir eksi dengan sesama anggot a Dir eksi, dengan Dewan Komisar is dan pihak- pihak lain yang diat ur dalam Anggar an Dasar dan Per at ur an Per undang-undangan ser t a Per at ur an Bank Indonesia yang ber laku. 7. Ket aat an Dir eksi dalam melaksanakan Anggar an Dasar , Per at ur an per undang-undangan yang ber laku, ket et apan RUPS, ket et apan Dewan Komisar is, dan Per at ur an Bank Indonesia. 5. Kemampuan Dir eksi dalam mengikut i isu-isu dan t r en yang ber pengar uh t er hadap Bank, dan menggunakan inf or masi t er sebut unt uk menilai dan mengar ahkan kiner ja Bank, bukan hanya dar i t ahun ke t ahun, akan t et api juga dalam jangka panjang. 6. The abilit y of t he Boar d of Dir ect or s in f ollowing t he issues and t r ends t hat af f ect t he Bank, and use t he inf or mat ion t o assess and dir ect t he Bank’s per f or mance, not only f r om year t o year , but also in t he long t er m. 7. Obser vance of Dir ect or s in implement ing t he St at ut es, Regulat ions applicable law, st at ut e GMS, BOC st at ut es, and Bank Indonesia Regulat ion. Kebijakan Rem unerasi Dew an Kom isaris dan Direksi Rem unerat io n Po licy of t he t he Bo ard of Co m m issio ners and t he Bo ard of Direct o rs Pember ian r emuner asi bagi anggot a Dewan Komisar is dan Dir eksi dihit ung ber dasar kan f or mula yang dit et apkan oleh RUPS. Set iap anggot a Komisar is dan Dir eksi ber hak mener ima sejumlah kompensasi yang diber ikan secar a bulanan. Dewan Komisar is dan Dir eksi ber hak mendapat kan t ant iem ber dasar kan kiner ja dan pencapaian per usahaan dengan besar an yang dit ent ukan dalam RUPS. Dewan Komisar is dan Dir eksi juga ber hak mendapat kan t unjangan pada saat mer eka t elah t idak lagi menjabat sebagai Dewan Komisar is at aupun Dir eksi. Pr osedur st andar penet apan r emuner asi Dewan Komisar is dan Dir eksi dit et apkan sebagai ber ikut : 1. Dewan Komisar is memint a Komit e Nominasi dan Remuner asi unt uk menyusun r ancangan usulan r emuner asi. 2. Komit e Nominasi dan Remuner asi memint a pihak independen unt uk menyusun r ancangan r emuner asi. 3. Komit e Nominasi dan Remuner asi mengusulkan kepada Dewan Komisar is mengenai r emuner asi. 4. Dewan Komisar is mengusulkan r emuner asi bagi anggot a Dewan Komisar is dan Dir eksi kepada RUPS. 5. RUPS menet apkan r emuner asi bagi anggot a Dewan Komisar is dan Dir eksi. Remuner at ion f or member s of t he Boar d of Commissioner s and Boar d of Dir ect or s is calculat ed based on a f or mula set by t he GMS. Each member of t he Boar d of Commissioner s and Boar d of Dir ect or s is ent it led t o r eceive bonus based on t he per f or mance and assessment of t he company wit h t he per f or mance and assessment of t he Company wit h t he amount specif ied in t he GMS. The Boar d of Commissioner s and t he Boar d of Dir ect or s ar e also ent it led t o r eceive benef it when t hey have no longer ser ve as a Boar d of Commissioner s or Boar d of Dir ect or s. St andar d pr ocedur e f or r emuner at ion det er minat ion f or t he Boar d of Commissioner s and Dir ect or s shall be as f ollows: 1. The Boar d of Commissioner s r equest t he Nominat ion and Remuner at ion Commit t ee t o dr af t t he pr oposed r emuner at ion. 2. The Nominat ion and Remuner at ion Commit t ee r equest an independent par t y t o dr af t t he r emuner at ion. C 3. The Nomination and Remuneration Committee proposes to the Board of Commissioners regarding the remuneration. 4. The Boar d of Commissioner s pr oposes r emuner at ion f or member s of t he Boar d of Commissioner s and t he Boar d of Dir ect or s t o t he GMS. 5. The GMS det er mines t he r emuner at ion f or member s of t he Boar d of Commissioner s and t he Boar d of Dir ect or s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 485 St r ukt ur r emuner asi sesuai dengan ket ent uan Per at ur an Bank Indonesia No. 8 4 PBI 20 0 6 Tent ang Pelaksanaan Good Cor por at e Gover nance bagi Bank Umum pasal 46 bahwa unt uk pengur us dir ekomendasikan kebijakan r emuner asi paling kur ang sesuai dengan: 1. Kiner ja keuangan dan pemenuhan cadangan sebagaimana diat ur dalam per at ur an per undang-undangan yang ber laku. 2. Pr est asi ker ja individual. 3. Kewajar an dengan peer gr oup. 4. Per t imbangan sasar an dan st r at egi jangka panjang Bank. Struktur Remunerasi Dewan Komisaris dan Direksi Jenis Remunerasi dan Fasilitas Lain Jumlah Diterima 1 Tahun 20 15 Amount Received in 1 Year 20 15 Type of Remuneration and Other Facilities Dewan Komisaris | BOC Direksi | BOD Orang Person Jutaan Rp Orang Person Jutaan Rp 1. Remuner asi gaji, bonus, t unjangan r ut in, t ant iem, dan f asilit as lainnya dalam bent uk non nat ur a 7 32,339 11 65,340 1. Remuner at aion salar y, bonus, r egular allowance, t ant iem, dan and ot her f acilit ies in t he f or m of non in kind 2. Fasilit as lain dalam bent uk nat ur a per umahan, t r anspor t asi, asur ansi, kesehat an dan sebagainya yang : a. dapat dimiliki b. t idak dapat dimiliki - - - - - - - - 2. Ot her f acilit ies in t he f or m of in kind housing, t r anspor t at ion, insur ance, healt h and many ot her s which: a. can be owned b. cannot be owned Total 32,339 65,340 Total Jumlah Remunerasi per Orang dalam 1 Tahun Jumlah Direksi Jumlah Komisaris Number of Remuneration per Person in 1 Year di at as Rp 2 miliar 10 5 Above Rp 2 billion di at as Rp 1 miliar s.d 2 miliar 1 - Fr om Rp 1 billion t o 2 billion di at as Rp 50 0 jut a s.d Rp 1 miliar - 2 Fr om Rp 50 0 million t o Rp 1 billion Rp 50 0 jut a ke bawah - - Up t o Rp 50 0 Pejelasan: 1. Dinilai dalam ekivalen Rupiah. 2. Jumlah Komisar is adalah 7 t ujuh or ang t er masuk Bapak Achmad Bar aba yang t elah habis masa jabat annya pada t anggal 31 Mar et 20 15, ser t a Bapak Tauf iequr achman Ruki dan Bapak Wawan Ridwan. 3. Jumlah Dir eksi adalah 11 sebelas or ang t er masuk Bapak Bien Subiant or o, Bapak Djamal Muslim, Bapak Ar ie Yuliant o Mant an Dir ekt ur , Bapak Zaenal Ar ipin yang t elah habis masa jabat annya pada t anggal 31 Mar et 20 15 dan pengangkat an Bapak Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko pada t anggal 29 Mei 20 15. 4. Dir eksi yang menempat i r umah dinas pada t ahun 20 15 sebanyak 4 empat r umah dinas sedangkan 4 empat or ang Dir eksi menempat i r umah pr ibadi. The r emuner at ion st r uct ur e is pur suant t o Bank Indonesia Regulat ion No. 8 4 PBI 20 0 6 on t he Implement at ion of Good Cor por at e Gover nance f or Commer cial Bank Ar t icle 46 st at ed t hat f or t he Management t he r ecommended r emuner at ion policy at least should be in accor dance wit h: 1. Financial per f or mance and f ulf illment of r eser ves in compliance wit h t he pr evailing legislat ions; 2. individual job per f or mance; 3. r easonableness of t he peer gr oup; and 4. consider at ion of long-t er m goals and st r at egies Bank Pr osed Structure Remuneration of the BOC and BOD Explanation: 1. Assessed in Rupiah equivalent . 2. The number of Commissioner s is seven 7 per sons including Mr . Achmad Bar aba which has expir ed t er m of of f ice on Mar ch 31, 20 15, and Mr . Tauf iequr achman Ruki and Mr Wawan Ridwan. 3. The number of Dir ect or s is 11 eleven per sons including Mr . Bien Subiant or o, Mr . Djamal Muslim, Mr . Ar ie Yuliant o f or mer Dir ect or , Mr . Zaenal Ar ipin which has expir ed t er m of of f ice on Mar ch 31, 20 15 and t he appoint ment of Mr . Agus Mulyana Dir ect or of Compliance and Risk Management on May 29, 20 15 4. Dir ect or s in housing in 20 15 as many as f our 4 home of f ices, while f our 4 Dir ect or s occupying pr ivat e houses. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 486 Hubungan Af iliasi Antara Anggota Direksi dengan Anggota Direksi Lainnya Anggot a Dir eksi t idak memiliki hubungan keluar ga, sedar ah sampai der ajat ket iga baik menur ut gar is lur us maupun gar is kesamping, at au hubungan semenda menant u ipar dengan sesama anggot a Dir eksi lainnya sehingga dapat menjamin independensi anggot a Dir eksi dalam menjalankan t ugasnya, ser t a menghindar i kemungkinan t er jadinya kolusi dan nepot isme. Hubungan t er sebut dijelaskan melalui t abel di bawah ini: Nama | Name Hubungan Af iliasi dengan Direksi Lainnya | Af f iliat ed r elat ionship bet ween a member of Boar d of Dir ect or s Ahmad Ir f an Agus Mulyana Fer miyant i Nia Kania Suar t ini Agus Gunawan Benny Sant oso Ahmad Ir f an X X X X X X Agus Mulyana X X X X X X Fer miyant i X X X X X X Nia Kania X X X X X X Suar t ini X X X X X X Agus Gunawan X X X X X X Benny Sant oso X X X X X X Hubungan Af iliasi Antara Anggota Direksi dan Anggota Dewan Komisaris Anggot a Dir eksi t idak memiliki hubungan keluar ga, sedar ah sampai der ajat ket iga baik menur ut gar is lur us maupun gar is kesamping, at au hubungan semenda menant u ipar dengan anggot a Dewan Komisar is, sehingga dapat menjamin independensi anggot a Dir eksi dalam menjalankan t ugasnya, ser t a menghindar i kemungkinan t er jadinya kolusi dan nepot isme. Hubungan t er sebut dijelaskan melalui t abel di bawah ini: Nama | Name Hubungan Af iliasi Direksi dengan Komisaris Af f iliat ed Relat ionship Bet ween a Member of Boar d of Dir ect or s wit h t he Boar d of Commissioner s Klemi Subiyant or o Muhadi Yayat Sut ar yat Rudhyant o Moodut o Ahmad Ir f an X X X X Agus Mulyana X X X X Fer miyant i X X X X Nia Kania X X X X Af f iliate Relationship Between a member of the Board of Directors with the other member of the Board of Directors The member s of t he Boar d of Dir ect or s do not have a f amily r elat ionship, by blood t o t he t hir d degr ee eit her ver t ically or hor izont ally, or by way of mar r iages son br ot her in law wit h ot her f ellow member s of t he Boar d of Dir ect or s so t hat t hey may ensur e t he independence of t heir r ole as member s of t he Boar d of Dir ect or s in car r ying out t heir dut ies, as well as t o avoid any pot ent ial collusion and nepot ism. Such a r elat ionship may be explained in t he below t able: Af f iliated relationship between a member of Board of Directors and a member of Board of Commissioners Any member of t he Boar d of Dir ect or s does not have a f amily r elat ionship, by blood t o t he t hir d degr ee eit her ver t ically or hor izont ally, or by way of mar r iages son in law br ot her in law wit h any member s of t he Boar d of Commissioner s so t hat t hey may ensur e t he independence of t heir r ole as member s of t he Boar d of Dir ect or s in car r ying out it s dut ies, as well as t o avoid any pot ent ial collusion and nepot ism. Such a r elat ionship may be explained in t he f ollowing t able: -ZGZSLFSąQNFXN Dew an Kom isaris, Direksi dan Pem egang Saham KąQNFYJ7JQFYNTSXMNUTKYMJTFWITKTRRNXXNTSJWX t he Bo ard of Direct o rs and Shareho ld ers St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 487 Nama | Name Hubungan Af iliasi Direksi dengan Komisaris Af f iliat ed Relat ionship Bet ween a Member of Boar d of Dir ect or s wit h t he Boar d of Commissioner s Klemi Subiyant or o Muhadi Yayat Sut ar yat Rudhyant o Moodut o Suar t ini X X X X Agus Gunawan X X X X Benny Sant oso X X X X Hubungan Af iliasi Antara Anggota Direksi dengan Pemegang Saham Utama dan atau Pengendali Anggot a Dir eksi t idak memiliki hubungan keluar ga, sedar ah sampai der ajat ket iga baik menur ut gar is lur us maupun gar is kesamping, at au hubungan semenda menant u ipar dengan sesama anggot a Dir eksi maupun dengan Pemegang Saham Ut ama dan at au Pengendali, sehingga dapat menjamin independensi anggot a Dir eksi dalam menjalankan t ugasnya, ser t a menghindar i kemungkinan t er jadinya kolusi dan nepot isme. Hubungan Af iliasi Antara Anggota Dewan Komisaris dengan Anggota Komisaris Lainnya Anggot a Dewan Komisar is t idak memiliki hubungan keluar ga, sedar ah sampai der ajat ket iga baik menur ut gar is lur us maupun gar is kesamping, at au hubungan semenda menant u ipar dengan sesama anggot a anggot a Dewan Komisar is lainnya, sehingga dapat menjamin independensi anggot a Dewan Komisar is dalam menjalankan t ugasnya, ser t a menghindar i kemungkinan t er jadinya kolusi dan nepot isme. Hubungan t er sebut dijelaskan melalui t abel di bawah ini: Nama | Name Hubungan Af iliasi Direksi dengan Komisaris Af f iliat ed Relat ionship Bet ween Boar d of Dir ect or s wit h t he Boar d of Commissioner s Klemi Subiyant or o Muhadi Yayat Sut ar yat Rudhyant o Moodut o Klemi Subiyant or o X X X Muhadi X X X Yayat Sut ar yat X X X Rudhyant o Moodut o X X X Hubungan Af iliasi Antara Anggota Dewan Komisaris dengan Pemegang Saham Utama dan atau Pengendali Anggot a Dewan Komisar is t idak memiliki hubungan keluar ga, sedar ah sampai der ajat ket iga baik menur ut gar is lur us maupun gar is kesamping, at au hubungan semenda menant u ipar dengan Pemegang Saham dan at au Pengendali, sehingga dapat menjamin independensi anggot a Dewan Komisar is dalam menjalankan t ugasnya, ser t a menghindar i kemungkinan t er jadinya kolusi dan nepot isme. Af f iliated Relationship Between A Member of Board of Directors with the Primary Shareholders and or Controller Any member of t he Boar d of Dir ect or s does not have a f amily r elat ionship, by blood t o t he t hir d degr ee eit her ver t ically or hor izont ally, or by way of mar r iages son in law br ot her in law wit h f ellow member s of t he Boar d of Dir ect or s as well as t he major it y shar eholder and or cont r oller , so t hat t hey may guar ant ee t heir independence per f or ming t heir dut ies, as well as t o avoid any pot ent ial collusion and nepot ism. Af f iliate Relationship between a Member of the Board of Commissioners and Other Members of the Board of Commissioners Any member of t he Boar d of Commisioner s does not have a f amily r elat ionship, by blood t o t he t hir d degr ee eit her ver t ically or hor izont ally, or by way of mar r iages son in law br ot her in law wit h f ellow member s of t he Boar d of Commissioner s, so t hat t hey may guar ant ee t heir independence in per f or ming t heir dut ies, as well as t o avoid any pot ent ial collusion and nepot ism. Such a r elat ionship may be explained in t he t able below: Af f iliate Relationship between Members of the Board of Commissioners with the Main Shareholders and or Controller The member s of t he Boar d of Commissioner s do not have a f amily r elat ionship, by blood t o t he t hir d degr ee eit her ver t ically or hor izont ally, or r elat ionship by way of mar r iages son br ot her in law t o Shar eholder s and or t he cont r oller , so as t o guar ant ee t heir independence as t he member s of t he Boar d in car r ying out t heir dut ies, as well as t o avoid pot ent ial collusion and nepot ism. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 488 Rapat Dew an Kom isaris, Direksi, dan Dew an Kom isaris dengan Direksi 2JJYNSLXTKYMJTFWITKTRRNXXNTSJWXNWJHYTWXFSI TRRNXXNTSJWXNWJHYTWX Rapat Dewan Komisaris Dewan Komisar is menyelenggar akan r apat sekur ang- kur angnya 1 sat u kali dalam sat u bulan at au pada set iap wakt u jika dianggap per lu oleh salah sat u at au lebih anggot a Dewan Komisar is. Mekanisme pengambilan keput usan dalam r apat Dewan Komisar is ber dasar kan at as musyawar ah unt uk muf akat . Apabila muf akat t idak dapat t er capai, pengambilan keput usan didasar kan pada suar a mayor it as anggot a Dewan Komisar is yang hadir at au yang mewakili pada r apat . Apabila jumlah suar a ber imbang, maka keput usan yang diajukan har us dit olak. Kuor um unt uk selur uh r apat Dewan Komisar is adalah lebih dar i separ uh jumlah anggot a Dewan Komisar is yang hadir at au diwakili kuasa yang diber ikan kepada salah sat u Komisar is yang hadir pada r apat t er sebut . Selama t ahun 20 15, Dewan Komisar is Per ser oan t elah menyelenggar akan r apat sebanyak 51 kali, yang r inciannya sebagai ber ikut : NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 1 0 7 Januar i 20 15 1. Tauf iequr achman Ruki Komisar is Ut ama | Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Wawan Ridwan Komisar is | Commissioner 4. Achmad Bar aba Komisar is Independen | Independent Commissioner 5. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 6. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 7. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Tugas dan pelaksanaan jadwal kegiat an dewan komisar is dan komit e. - Lain-lain. - Dut ies and implement at ion of schedule of act ivit ies of BOC and BOD. - Ot her s. 2 13 Januar i 20 15 1. Tauf iequr achman Ruki Komisar is Ut ama | Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Wawan Ridwan Komisar is | Commissioner 4. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance - Rencana RUPS t ahun buku 20 14. - Pembahasan kemungkinan kekosongan pengur us. - Lain-lain. - Plan f or GMS Fiscal Year 20 14. - Discussion on t he likelihood of vacancy in t he Boar d of Management . - Ot her s. Meetings of the Board of Commissioners Boar d of Commissioner s held a meet ing at least 1 one once a mont h or at any t ime if deemed necessar y by one or mor e member s of t he Boar d of Commissioner s. Decision-making mechanism in t he meet ing of t he Boar d of Commissioner s based on deliber at ion. If consensus can not be r eached, decisions ar e based on a major it y vot e of member s of t he Boar d of Commissioner s ar e pr esent or r epr esent ed at t he meet ing. When impar t ial t ur nout , t he pr oposed decision should be r eject ed. The quor um f or all BoC meet ings is mor e t han half t he member s of t he Boar d of Commissioner s ar e pr esent or r epr esent ed by pr oxy gr ant ed t o one of t he Commissioner s wer e pr esent at t he meet ing. Dur ing 20 15, t he BOC has held meet ings 51 t imes, det ails as f ollows: St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 489 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 3 28 Januar i 20 15 1. Muhadi Komisar is | Commissioner 2. Wawan Ridwan Komisar is | Commissioner 3. Achmad Bar aba Komisar is Independen | Independent Commissioner 4. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 5. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 6. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 7. Beny Riswandi Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division 8. Jaja Jar kasih Pemimpin Divisi MAP | Head of MAP Division - Pedoman penyer t aan modal. - Kebijakan BCM. - Lain-lain. - Guidelines f or capit al par t icipat ion. - BCM Policy. - Ot her s. 4 29 Januar i 20 15 1. Muhadi Komisar is | Commissioner 2. Achmad Bar aba Komisar is Independen | Independent Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Financia Cont r ol Division 9. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Per siapan RUPS RUPS-LB t ahun 20 15. - Lain-lain. - Pr epar at ion f or GMS EO-GMS Year 20 15. - Ot her s. 5 10 Febr uar i 20 15 1. Muhadi Komisar is | Commissioner 2. Wawan Ridwan Komisar is | Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Tet t et Fit r ijant i Anggot a Komit e Pemant au Risiko | Member of Risk Monit or ing Commit t ee 5. Memed Sueb Anggot a Komit e Audit | Member of Audit Commit t ee - Pedoman penyer t aan modal. - Lain-lain. - Guidelines f or capit al par t icipat ion. - Ot her s. 6 17 Febr uar i 20 15 1. Tauf iequr achman Ruki Komisar is Ut ama | Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Wawan Ridwan Komisar is | Commissioner 4. Achmad Bar aba Komisar is Independen | Independent Commissioner 5. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 6. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 7. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 8. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 9. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Pember ian f asilit as kr edit kepada pihak t er kait . - Lain-lain. - Pr ovision of loan f acilit ies f or r elat ed par t ies. - Ot her s. 7 24 Febr uar i 20 15 1. Muhadi Komisar is | Commissioner 2. Wawan Ridwan Komisar is | Commissioner 3. Achmad Bar aba Komisar is Independen | Independent Commissioner 4. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Per masalahan Kr edit Mikr o bank bjb. - Lain-lain. - Issues on Micr o Cr edit of bank bjb. - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 490 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 8 0 3 Mar et 20 15 1. Muhadi Komisar is | Commissioner 2. Wawan Ridwan Komisar is | Commissioner 3. Achmad Bar aba Komisar is Independen | Independent Commissioner 4. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Pembahasan pedoman dan t at a t er t ib Komit e Pemant au Bisnis dan Per kr edit an KPBP. - Lain-lain. - Discussion on t he guidelines and pr ocedur es of Business and Cr edit Monit or ing Commit t ee KPBP. - Ot her s. 9 0 4 Mar et 20 15 1. Muhadi Komisar is | Commissioner 2. Wawan Ridwan Komisar is | Commissioner 3. Achmad Bar aba Komisar is Independen | Independent Commissioner 4. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Tot o Susant o Pemimpin Divisi Komer sial | Head of Commer cial Division - Pember ian f asilit as kr edit kepada pihak t er kait at as nama ar t deco. - Pedoman BCM. - Lain-lain. - Pr ovision of loan f acilit ies f or r elat ed par t ies on behalf of ar t deco. - BCM Guidelines. - Ot her s. 10 11 mar et 20 15 1. Muhadi Komisar is | Commissioner 2. Achmad Bar aba Komisar is Independen | Independent Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 9. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Financial Cont r ol Division 10 . Yusuf Saadudin Pemimpin Divisi Hukum | Head of Law Division 11. Agus Mulyana Pemimpin Divisi Cor por at e Secr et ar y | Head of Cor por at e Secr et ar y Division 12. Dadang Iskandar Pemimpin Divisi Umum | Head of Gener al Administ r at ion Division 13. Neneng Hayat i Pemimpin Divisi SDM | Head of Human Resour ces Division - Per siapan RUPS RUPSLB t ahun 20 15. - Fasilit as kendar aan dinas - Lain-lain. - Pr epar at ion f or GMS EO-GMS 20 15. - Oper at ional Vehicle Facilit ies - Ot her s. 11 17 Mar et 20 15 1. Muhadi Komisar is | Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Nur y Ef f endi Anggot a Komit e Pemant au Risiko | Member of Risk Monit or ing Commit t ee 5. Tet t et Fit r ijant i Anggot a Komit e Pemant au Risiko | Member of Risk Monit or ing Commit t ee 6. Beny Riswandi Pemimpin Divisi Manajemen Risiko | Head of Management Risiko - Pembahasan pedoman dan t at a t er t ib Komit e Pemant au Bisnis dan Per kr edit an KPBP. - Lain-lain. - Discussion on t he guidelines and pr ocedur es of Business and Cr edit Monit or ing Commit t ee KPBP. - Ot her s. 12 18 Mar et 20 15 1. Muhadi Komisar is | Commissioner 2. Achmad Bar aba Komisar is Independen | Independent Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Yusuf Saadudin Pemimpin Divisi Hukum | Head of Legal Division - Lapor an pengawasan Dewan Komisar is dan lapor an KRN unt uk RUPS. - Lain-lain. - BOC Over sight Repor t and KRN Repor t f or GMS. - Ot her s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 491 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 13 27 Mar et 20 15 1. Muhadi Komisar is | Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Lapor an pengawasan Dewan Komisar is dan lapor an KRN unt uk RUPS. - Penunjukan pimpinan r apat RUPS bank bjb. - Lain-lain. - BOC Over sight Repor t and KRN Repor t f or GMS. - Appoint ment of Chair per son of GMS of bank bjb. - Ot her s. 14 30 Mar et 20 15 1. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 2. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Lapor an pengawasan Dewan Komisar is dan lapor an KRN unt uk RUPS. - Penunjukan pimpinan r apat agenda 7 dalam RUPS. - Lain-lain. - BOC Over sight Repor t and KRN Repor t f or GMS. - Appoint ment of Chair per son of GMS meet ing on Agenda 7 - Ot her s. 15 0 7 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen pelaksana t ugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Financial Cont r ol Division 9. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Palnning Division 10 . Agus Mulyana Pemimpin Divisi Cor por at e Secr et ar y | Head of Cor por at e Secr et ar y Division - Lapor an KRN t ent ang pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Kiner ja bank posisi f ebr uar i dan Mar et 20 15. - Per siapan RUPSLB Mei. - Lain-lain. - KRN Repor t on t he nominat ion f or Dir ect or of Compliance and Risk Management - The bank’s per f or mance f or t he posit ion of f ebr uar y and Mar ch 20 15. - Pr epar at ion f or EO GMS on May. - Ot her s. 16 10 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen pelaksana t ugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Yusuf Saadudin Pemimpin Divisi Hukum | Head of Legal Division 6. Et za Imelda Fit r i Konsult an Hukum EIF Par t ner s | Legal Consult ant EIF Par t ner s 7. Meer y Mir anda Konsult an Hukum EIF Par t ner s | Legal Consult ant EIF Par t ner s - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko dan r emuner asi mant an pengur us. - Lain-lain. - Pr epar at ion f or EO GMS f or t he nominat ion f or Dir ect or of Compliance and Risk Management and r emuner at ion f or f or mer Boar d of Management . - Ot her s. 17 13 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen pelaksana t ugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Pembahasan St r ukt ur Or ganisasi. - Lain-lain. - Discussion on St r uct ur e of Or ganizat ion. - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 492 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 18 22 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion f or EO GMS f or t he nominat ion f or Dir ect or of Compliance and Risk Management . - Ot her s. 19 23 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion f or EO GMS f or t he nominat ion f or Dir ect or of Compliance and Risk Management . - Ot her s. 20 28 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko. - Lain-lain. - Pr epar at ion f or EO GMS f or t he nominat ion f or Dir ect or of Compliance and Risk Management . - Ot her s. 21 29 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion f or EO GMS f or t he nominat ion f or Dir ect or of Compliance and Risk Management . - Ot her s. 22 0 5 Mei 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion f or EO GMS f or t he nominat ion f or Dir ect or of Compliance and Risk Management . - Ot her s. 23 13 Mei 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 5. Usman Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of t he Int egr at ed Business and Cr edit Monit or ing Commit t ee 6. Agus Her y Subagyo Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of t he Int egr at ed Business and Cr edit Monit or ing Commit t ee 7. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Kiner ja bank bjb posisi Apr il 20 15. - Lain-lain. - bank bjb per f or mance f or Apr il 20 15. - Ot her s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 493 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 24 20 Mei 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner - Lapor an Komit e Remuner asi dan Nominasi mengenai pengisian calon pengur us. - Lain-lain. - Repor t f r om t he Remuner at ion and Nominat ion Commit t ee r egar ding nominat ion of t he Boar d of Management - Ot her s. 25 20 Mei 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division 5. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division 6. Cecep Tr isna Tim Right Issue - Kiner ja Apr il 20 15. - Per siapan RUPS-LB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko. - Lain-lain. - Per f or mance in Apr il 20 15. - Pr epar at ion of EO GMS f or Nominat ion of Dir ect or of Compliance and Risk Management - Ot her s 26 25 Mei 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Rahmat Pemimpin Divisi Kepat uhan | Head of Compliance Division - Tingkat Kesehat an bank bjb. - Lain-lain. - Soundness level of bank bjb. - Ot her s 27 26 Mei 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 8. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 9. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 10 . Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 11. Dindin Maolani Konsult an Hukum | Legal Consult ant 12. Et za Imelda F konsult an Hukum | Legal Consult ant 13. Meer y Mir anda Konsult an Hukum | Legal Consult ant 14. Yusuf Saadudin Pemimpin Divisi Hukum | Head of Legal Division - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion of EO GMS f or Nominat ion of Dir ect or of Compliance and Risk Management - Ot her s 28 0 3 Juni 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Pembahasan Per mohonan Pember ian Fasilit as Kr edit kepada Pihak Ter kait . - Lain-lain. - Discussion on t he Applicat ion f or Cr edit Facilit ies f or Relat ed Par t ies. - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 494 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 29 0 3 Juni 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner - Lapor an KRN t er kait hasil seleksi anggot a komit e t at a kelola t er int egr asi KTT. - KRN Reppor t r elat ed t o r esult s of t he select ion of member of Int egr at ed Gover nance Commit t ee KTT. 30 0 9 Juni 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 7. Tot o Susant o Pemimpin Divisi Komer sial | Head of Commer cial Division 8. Agus Jajat M. Pemimpin Divisi Cr edit Risk | Head of Cr edit Risk Division 9. Jaja Jar kasih Pemimpin Divisi Manajemen Anak Per usahaan | Head of Subsidiar ies Management Division 10 . It a Gar meit a Pemimpin Divisi Lembaga Keuangan Mikr o | Head of Micr o Finance Inst it ut ion - Pembahasan Pr oses Pember ian Kr edit - Lain-lain. - Discussion on t he Pr ocess f or t he Pr ovision of Cr edit - Ot her s. 31 16 Juni 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Usman Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of Cor por at e Gover nance Commit t ee 6. Tet t et Fit r ijant i Anggot a Komit e Pemant au Risiko | Member of Risk Monit or ing Commit t ee 7. Ramson Sinaga Anggot a Komit e Audit | Member of Audit Commit t ee 8. Memed Sueb Anggot a Komit e Audit | Member of Audit Commit t ee - Pembahasan kiner ja bank bjb posisi mei 20 15. - Lain-lain. - Discussion on t he per f or mance of bank bjb posit ion of may 20 15. - Ot her s. 32 23 Juni 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 9. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 10 . Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division 11. Ar if S. Pemimpin Divisi Mikr o | Head of Micr o Division - Pembahasan kiner ja bank bjb posisi mei 20 15. - Pembahasan r evisi RBB - Penyempur naan st r ukt ur or ganisasi. - Pember ian f asilit as kr edit kepada pihak t er kait . - Lain-lain. - Discussion on t he per f or mance of bank bjb posit ion of may 20 15. - Discussion on t he r evision of RBB - Ref ining t he st r uct ur e of or ganizat ion. - Pr ovision of Cr edit Facilit ies f or Relat ed Par t ies. - Ot her s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 495 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 33 30 Juni 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. It a Gar meit a Pemimpin Divisi Lembaga Keuangan Mikr o | Head of Micr o Finance Inst it ut ion Division 8. Agus Kur niawan Pemimpin Divisi KPR | Managing Dir ect or of KPR - Pembahasan pr oses bisnis lembaga keuangan mikr o dan pr oses bisnis KPR. - Lain-lain. - Discussion on t he business pr ocess of micr o f inancial inst it ut ion and business pr ocess of KPR. - Ot her s. 34 29 Juli 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Aldr in Her wany Anggot a Komit e Tat a Kelola Ter int egr asi | Member of Int egr at ed Gover nance Commit t ee 5. Memed Sueb Anggot a Komit e Audit | Member of Audit Commit t ee 6. Ramson Sinaga Anggot a Komit e Audit | Member of Audit Commit t ee 7. Suwar t a Anggot a Komit e Audit | Member of Audit Commit t ee 8. Usman Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of Int egr at ed Business and Cr edit Monit or ing Commit t ee 9. Agus Her y Subagyo Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of Int egr at ed Business and Cr edit Monit or ing Commit t ee 10 . Tet t et Fit r ijant i Anggot a Komit e Pemant au Risiko | Member of Risk Monit or ing Commit t ee 11. Ahmad Nasr ullah Pemimpin Divisi Kepat uhan | Head of Compliance Division 12. Cecep Tr isna Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division - Pembahasan kiner ja bank bjb per iode Juni 20 15 - Pembahasan dr af t TKB bank bjb semest er I 20 15. - Lain-lain. - Discussion on t he per f or mance of bank bjb f or t he per iod of June 20 15 - Discussion on t he dr af t f or TKB bank bjb semest er I 20 15. - Ot her s. 35 29 Juli 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 10 . Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 11. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 12. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division - Pembahasan kiner ja bank bjb per iode Juni 20 15. - Pr esent asi Dir eksi Per ihal Hapus buku dan Hapus t agih kr edit - Lain-lain. - Discussion on t he per f or mance of bank bjb f or t he per iod of June 20 15. - BOD Pr esent at ion on Wr it e Of f and Cr edit Hair cut - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 496 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 36 0 4 Agust us 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. It a Gar meit a Pemimpin Divisi BPR LKM | Head of BPR LKM Division 7. M Bar kah Set yadi Pempimpin Divisi Teknologi Inf or masi | Head of Inf or mat ion Technology Division 8. Asep Dani F Pemimpin Divisi Umum | Head of Gener al Af f air Division 9. Ar ief Set yahadi Pemimpin Divisi UMKM | Head of UMKM Division 10 . Adang A Kunandar Pemimpin Divisi PPK | Head of PPK Division - Pembahasan SOP hapus buku dan Hapus t agih kr edit - Pr oses bisnis usaha mikr o kecil dan menengah UMKM dan lembaga keuangan mikr o LKM. - Pemenuhan Sumber Daya Manusia SDM sesuai st r ukt ur bar u dan inf r ast r ukt ur t eknologi inf or masi TI unt uk LKM, UMKM ser t a penyelamat an dan penyelesaian kr edit PPK. - Account maint enance non per f or ming loan NPL. - Lain-lain. - Discussion on t he SOP of Wr it e Of f and Cr edit Hair cut - The business pr ocess of SMEs and Micr o Financial Inst it ut ion LKM. - Compliance of Human Resur ce HR accor ding t o t he new st r uct ur e and inf r ast r uct ur e of inf or mat ion t echnology TI f or LKM, UMKM as well as t he Rest r uct ur ing and Set t lement of Cr edit PPK. - Account maint enance non per f or ming loan NPL. - Ot her s. 37 12 Agust us 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Pembahasan per kembangan pot ensi TKI - Pembahasan Per siapan business r eview - Lain-lain. - Discussion on t he development of migr ant wor ker pot ent ial - Discussion on t he Pr epar at ion f or business Review - Ot her s. 38 25 Agust us 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner - Pembahasan Kiner ja bank bjb posisi juli 20 15. - Lapor an Pengawasan Dewan Komisar is - Lain-lain. - Discussion on t he per f or mance of bank bjb f or t he posit ion of Juli 20 15. - BOC Over sight Dut y Repor t - Ot her s. 39 25 Agust us 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer - Pembahasan kiner ja bank bjb posisi Juli 20 15. - Lain-lain. - Discussion on t he per f or mance of bank bjb f or t he posit ion of Juli 20 15. - Ot her s. 40 0 2 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner - Evaluasi pedoman dan t at a t er t ib ker ja Dewan Komisar is. - Lain-lain. - Evaluat ion of Guidelines and pr ocedur e of wor k of BOC. - Ot her s. 41 0 8 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ramson Sinaga Anggot a Komit e Audit | Member of Audit Commit t ee 6. Memed Sueb Anggot a Komit e Audit | Member of Audit Commit t ee - Evaluasi lapor an-lapor an yang wajib disampaikan oleh bank kepada OJK. - Pembahasan kompilasi hasil audit . - Per siapan penyusunan RBB t ahun 20 16. - Lain-lain. - Evaluat ion on t he mandat or y r epor t s t hat must be submit t ed by t he bank t o FSA - Discussion on t he compilat ion of audit f indings - Pr epar at ion f or dr af t ing RBB 20 16. - Ot her s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 497 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 42 14 Sept ember 210 5 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner - Pembahasan penyempur naan pedoman dan t at a t er t ib ker ja KRN. - Lain-lain. - Discussion on t he r ef inement of guidelines and pr ocedur es of KRN. - Ot her s. 43 14 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 10 . Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 11. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 12. Gegeg Mint or ogo Pemimpin Divisi Audit Int er nal | Head of Int er nal Audit Division 13. Ahmad Nasr ullah Pemimpin Divisi Kepat uhan | Head of Compliance Division 14. Tedi S Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Pembahasan hasil t emuan audit int er nal. - Lain-lain. - Discussion on int er nal audit f indings. - Ot her s. 44 28 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 10 . Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 11. Tedi S Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Pembahasan KUDT t ahun 20 16. - Pembahasan kiner ja bank bjb posisi agust us 20 15. - Lain-lain. - Discussion on KUDT 20 16. - Discussion on t he per f or mance of bank bjb f or t he posit ion of August 20 15. - Ot her s. 45 29 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 3. Muhadi Komisar is | Commissioner 4. Jaja Jar kasih Pemimpin Divisi Manajemen Anak Per usahaan | Head of Subsidiar ies Management Division - Pembahasan r encana bank bjb menjadi pemegang saham pengendali pada BPR hasil mer ger Majalengka. - Lain-lain. - Discussion r egar ding bank bjb plan t o become cont r olling shar eholder of r ur al bank r esult ed f r om BPR mer ger in Majalengka. - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 498 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 46 28 Okt ober 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner - Pembahasan pemilihan kant or akunt an publik KAP. - Pembahasan lapor an publikasi posisi 30 sept ember 20 15. - Lain-lain. - Discussion on t he select ion of Public Account ant Fir m KAP. - Discussion on published r epor t f or t he posit ion of 30 Sept ember 20 15. - Ot her s. 47 0 5 November 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 3. Muhadi Komisar is | Commissioner 4. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 5. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Tedi Set iawan Pemimpin Divisi Per encanaan | Head of St r at egic Planning Division 8. Agus Kur niawan Pemimpin Divisi KPR | Head of KPR Division 9. Dadang Iskandar Pemimpin Divisi Jar ingan, Layanan dan Oper asional | Head of Net wor k, Ser vicesmand Oper at ional Division 10 . Dadan Yonanda Pemimpin Divisi Sumber Daya Manusia | Head of Human Capit al Division 11. Adang A. Kunandar Pemimpin Divisi PPK | Head of PPK Division - Pembahasan r encana bisnis bank t ahun 20 16. - Lain-lain. - Discussion on t he bank business plan f or 20 16. - Ot her s. 48 18 November 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division 9. Dadan Yonanda Pemimpin Divisi Sumber Daya Manusia | Head of Human Capit al Division - Pembahasan kiner ja bank bjb posisi okt ober t ahun 20 15. - Pembahasan bidang SDM. - Lain-lain. - Discussion on bank bjb posisi per f or mance on Oct ober 20 15. - Discussion on HR. - Ot her s. 49 0 2 Desember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o 6. Adang A. Kunandar Pemimpin Divisi PPK - Pembahasan kewenangan limit ker inganan bunga kr edit . - Pember ian f asilit as kr edit kepada pihak t er kait . - Lain-lain. - Discussion on t he aut hor it y of limit of loan int er est r educt ion. - Pr ovision of cr edit f acillit ies t o r elat ed par t ies. - Ot her s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 499 NO Tanggal Rapat Date of Meeting Peserta | Par t icipant Perihal | Matter 50 0 2 Desember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 6. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 7. Asep Dani F. Pemimpin Divisi Umum | Head of Gener al Af f air Division 8. Dadang Iskandar Pemimpin Divisi Jar ingan Layanan Oper asional | Head of Net wor k, Ser vices Oper at ional Division 9. Bar kah Set yadi Pemimpin Divisi IT | Head of Inf or mat ion Technology Division 10 . Agus Khomsi Pemimpin Divisi CMO | Head of CMO Division 11. Mer siana S. Pemimpin Unit Elect r onik Banking | Head of Elect r onic Banking Unit - Pembahasan IT dan E-Banking bank bjb. - Discussion on IT and e-Banking of bank bjb. 51 0 2 Desember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Aldr in Her wany Anggot a Komit e Tat a Kelola Ter int egr asi | Member of Int egr at ed Gover nance Commit t ee 6. Ahmad Nasr ullah Pemimpin Divisi Kepat uhan | Head of Compliance Division - Pembahasan per set ujuan dr af t kebijakan t at a kelola t er int egr asi. - Lain-lain. - Discussion on appr oval f or t he dr af t of t he policy of int egr at ed gover nance - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 0 Rapat Direksi Selama t ahun 20 15, Dir eksi Per ser oan t elah menyelenggar akan r apat sebanyak 23 kali, yang r inciannya sebagai ber ikut : No Nama| Name Jabatan Jumlah Kehadiran | Tot al At t endance Position 1 Ahmad Ir f an Dir ekt ur Ut ama 23 Pr esident Dir ect or 2 Zaenal Ar ipin Dir ekt ur Kepat uhan dan Manajemen Risiko 4 Managing Dir ect or – Compliance Risk Management 3 Nia Kania Dir ekt ur Keuangan 23 Managing Dir ect or – Finance 4 Fer miyant i Dir ekt ur Konsumer 20 Managing Dir ect or – Consumer 5 Suar t ini Dir ekt ur Komer sial 22 Managing Dir ect or – Commer cial 6 Benny Sant oso Dir ekt ur Oper asional 21 Managing Dir ect or – Oper at ional 7 Agus Gunawan Dir ekt ur Mikr o 23 Managing Dir ect or – Micr o 8 Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko 14 Managing Dir ect or – Compliance Risk Management Tanggal Rapat Direksi Dat e of BOD Meet ing Agenda Rapat Direksi Boar d of Dir ect or Meet ings Ahmad Irf an Zaenal Aripin Nia Kania Fermiyanti Suartini Benny Santoso Agus Gunawan Agus Mulyana Rabu, 21 Januar i 20 15 Wednesday, 21 Januar y 20 15 • Pembahasan Per mohonan Per set ujuan Usulan Penghapusan Akt iva Tet ap dan Invest ar is dengan Car a Penjualan Melalui Pelelangan • Pembahasan Tent ang Sewa PC Tahun 20 15 • Pembahasan Set or an Modal • Pembahasan Kewenangan Memut us Kr edit Cash Loan dan Non Cash Loan • Rekuit ment Pegawai bank bjb Tahun 20 15 • Pelaksanaan Assessment Kompet ensi Pejabat Eksekut if Tahun 20 15 • Tunjangan Dinas Oper asional Per kr edit an • Discussion on Request f or Appr oval on t he Pr oposal f or t he Wr it e Of f of Fixed Asset s and Invent or ies t r ough Auct ion • Discussion on Rent of PC in 20 15 • Discussion on Capit al Paid Up • Discussion on Aut hor it y t o Appr ove Cr edit Cash Loan and Non Cash Loan • Recr uit ment of bank bjb employee in 20 15 • Conduct ing t he Assessment on t he Compet ence of Execut ive Of f icer s in 20 15 • Allowance f or t he Oper asional of Cr edit ¥ ¥ ¥ ¥ ¥ ¥ ¥ - Selasa, 10 Febr uar i 20 15 Tuesday, 10 Febr uar y 20 15 • Penyesuaian St r ukt ur Or ganisasi • Rencana Bisnis bank bjb Tahun 20 15-20 17 • Pengelolaan Kepegawaian • Rencana Penyelenggar aan RUPS bank bjb Tahun 20 15 • Pelaksanaan Right Issue bank bjb • Adjust ment in t he St r uct ur e of Or ganizat ion • bank bjb business plan 20 15-20 17 • Management of Employment • The Plan f or Holding t he GMS of bank bjb in 20 15 • Conduct ing t he Right Issue of bank bjb ¥ ¥ ¥ ¥ ¥ ¥ ¥ - Kamis, 0 5 Mar et 20 15 Thur sday, 0 5 Mar ch 20 15 • Rencana Penyelenggar aan RUPS bank bjb Tahun 20 15 • Pembayar an Angsur an Gedung bank bjb • Pembahasan Pengadaan Bar ang Jasa • Pengelolaan Kepegawaian • Rekr uit men Pegawai bank bjb Tahun 20 15 • Pengajuan Pengesahan Dr af t ket ent uan Komit e Kr edit dan Wewenang Komit e Kr edit • Kewenangan Memut us Pr oduk Divisi Int er nasional Banking • Komit e Kr edit dan Wewenang Komit e Kr edit Kelolaan Divisi BPR Koper asi dan Lembaga Keuangan Lainnya • Pembahasan Wr it e Of f Kelolaan Divisi Mikr o • Pembahasan Wr it e Of f Kelolaan Divisi Komer sial • The Plan f or Holding t he GMS of bank bjb in 20 15 • Payment of Inst alment f or bank bjb building • Discussion on t he Pr ocur ement of Goods Ser vices • Management of Employment • Recr uit ment of bank bjb employee in 20 15 • Submission f or Appr oval of t he Dr af t on t he Pr ovision f or Cr edit Commit t ee and it s Aut hor it y • The Aut hor it y f or Pr oduct Appr oval of t he Division of Int er nat ional Banking • Cr edit Commit t ee and it s Aut hor it y under t he management of Division of BPR Cooper at ive and Ot her Financial Inst it ut ion • Discussion on Wr it e Of f under t he management of Micr o Division • Discussion on Wr it e Of f under t he management of Commer cial Division ¥ ¥ ¥ ¥ ¥ ¥ ¥ - Board of Directors Meeting Dur ing 20 15, t he Boar d of Dir ect or s has or ganized t he meet ing t imes as much 23, whose det ails ar e as f ollows: St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 1 Tanggal Rapat Direksi Dat e of BOD Meet ing Agenda Rapat Direksi Boar d of Dir ect or Meet ings Ahmad Irf an Zaenal Aripin Nia Kania Fermiyanti Suartini Benny Santoso Agus Gunawan Agus Mulyana Senin, 0 9 Mar et 20 15 Monday, 0 9 Mar ch 20 15 • Pengajuan Pengesahan Dr af t Ket ent uan Komit e Kr edit dan Wewenang Komit e Kr edit Divisi Kor por asi dan Komer sial • Kewenangan Memut us Pr oduk Divisi Int er nasional Banking • Komit e Kr edit dan Wewenang Komit e Kelolaan Divisi Kr edit Mikr o dan Divisi BPR Koper asi dan Lembaga Keuangan Lainnya • Pembahasan Wr it e Of f Kelolaan Divisi Mikr o dan Divisi Kor por asi Komer sial • Penyesuaian St r ukt ur Or ganisasi • Pengelolaan Kepegawaian • Pembahasan Pengadaan Bar ang Jasa • Filing Appr oval of Dr af t Ter ms of t he Cr edit Commit t ee and Pr ivileges Commit t ee of Cor por at e and Commer cial Cr edit Division • Br eaking aut hor it y Pr oduct s Division of Int er nat ional Banking • Cr edit Commit t ee and Pr ivileges Commit t ee Micr ocr edit Under Management Division and t he Division of Cooper at ive Rur al Banks and Ot her Financial Inst it ut ions • Discussion Wr it e Of f Micr o Channeling Division and Division of Cor por at e Commer cial • Or ganizat ional St r uct ur e Adjust ment • Per sonnel management • Discussion on Pr ocur ement of Goods Ser vices ¥ ¥ ¥ ¥ ¥ ¥ ¥ - Jumat , 27 Mar et 20 15 Fr iday, 27 Mar ch 20 15 • Pembahasan Wr it e Of f Kelolaan Divisi Mikr o dan Divisi Kor por asi Komer sial • Discussion Wr it e Of f Micr o Channeling Division and Division of Cor por at e Commer cial ¥ - ¥ ¥ ¥ ¥ ¥ - Senin, 0 6 Apr il 20 15 Monday, 0 6 Apr il 20 15 • Pembahasan Susunan Komit e Kr edit dan Limit Kewenangan Memut us Pr oduk KPRMor t gage • Susunan Komit e Kr edit dan Limit Kewenangan Memut us Pr oduk Divisi Kr edit Konsumer • Kepegawaian • Discussion St r uct ur e Cr edit Commit t ee and Br eaking t he Limit Aut hor it y Mor t gage Mor t gage Pr oduct s • The composit ion of t he Cr edit Commit t ee and Br eaking t he Limit Aut hor it y Pr oduct s Division of Consumer Cr edit • Per sonnel ¥ - ¥ ¥ ¥ ¥ ¥ - Jumat , 17 Apr il 20 15 Fr iday, 17 Apr il 20 15 • Per ubahan St r ukt ur Kr edit Pr oduk Divisi Konsumer • Usulan For mat Right Issue Kepada Pemegang Saham • St r uct ur al Change Division of Consumer Cr edit Pr oduct s • For mat Pr oposed Right s Issue t o Shar eholder s ¥ - ¥ ¥ ¥ ¥ ¥ - Selasa, 19 Mei 20 15 Tuesday, 19 May 20 15 • Pengelolaan Kepegawaian • Pr ogr ess rencana Right Issue • Pembahasan Lapor an Good Cor por at e Gover nance Desember 20 14 • Per ubahan St r ukt ur Or ganisasi • Management of employment • Pr ogr ess of Right Issue Plan • Discussion on Good Cor por at e Gover nance Repor t in December 20 14 • Change in t he St r uct ur e of Or ganizat ion ¥ - ¥ ¥ ¥ ¥ ¥ - Rabu, 27 Mei 20 15 Wednesday, 27 May 20 15 • Usulan Divisi Penyelamat an dan Penyelesaian Kr edit Mengenai Wr it e Of f • Penugasan Pegawai Akt if bank bjb sebagai pejabat eksekut if di bank bjb syar iah • Pembent ukan Tim Task For ce Pembiayaan bank bjb syar iah • Usulan Penyer t aan Modal Tahun 20 15 kepada bank bjb syar iah • Pembahasan Tingkat Kesehat an Bank • Pengelolaan Kepegawaian • Pr oposal f r om t he Division of Remedial and Recover y of Cr edit on Wr it e Of f • Assigment f or bank bjb employee t o become execut ive of f icial at bank bjb syar iah • Est ablishing t he Task For ce of Financing of bank bjb syar iah • Pr oposal f or Capit al Par t icipat ion in 20 15 f or bank bjb syar iah • Discussion on t he Bank’s soundness level • Management of employment ¥ - ¥ ¥ ¥ ¥ ¥ - Rabu, 0 3 Juni 20 15 Wednesday, 0 3 June 20 15 • Pr esent asi Divisi Manajemen Risiko • Kiner ja Keuangan dan Bant uan Likuidit as bjb syar iah • Penyesuaian St r ukt ur Or ganisasi • Pr esent at ion Risk Management Division • Financial Per f or mance and Liquidit y Suppor t bjb syar iah • Or ganizat ional St r uct ur e Adjust ment ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Kamis, 18 Juni 20 15 Thur sday, 18 June 20 15 • Penyusunan Revisi Rencana Bisnis bank bjb Tahun 20 15-20 17 • Per ubahan St r ukt ur Or ganisasi • Dr af t ing t he Revision of bank bjb Business Plan 20 15-20 17 • Change in t he St r uct ur e of Or ganizat ion ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Senin, 29 Juni 20 15 Monday, 29 June 20 15 • Pengajuan Wr it e Of f Kr edit Konsumer Tahun 20 15 • Submission of Wr it e Of f f or Consumer Cedit in 20 15 ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Selasa, 30 Juni 20 15 Tuesday, 30 June 20 15 • Pengajuan Wr it e Of f Kr edit Konsumer Tahun 20 15 • Submission of Wr it e Of f f or Consumer Cedit in 20 15 ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Senin, 13 Juli 20 15 Monday, 13 July 20 15 • Divisi Sumber Daya Manusia • HR Division - - - - - - - - Rabu, 15 Juli 20 15 Wednesday, 15 July 20 15 • Pr esent asi Konsult an Hukum bank bjb • Pr esent at ion f r om t he Law Consult ant of bank bjb ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 2 Tanggal Rapat Direksi Dat e of BOD Meet ing Agenda Rapat Direksi Boar d of Dir ect or Meet ings Ahmad Irf an Zaenal Aripin Nia Kania Fermiyanti Suartini Benny Santoso Agus Gunawan Agus Mulyana Selasa, 18 Agust us 20 15 Tuesday, 18 August 20 15 • Rencana Penyer t aan Modal Kepada bank bjb syar iah • The plan t o invest in bank bjb syar iah - - - - - - - - Jumat , 28 Agust us 20 15 Fr iday, 28 August 20 15 • Divisi Penyelamat an dan Penyelesaian Kr edit Mengenai Wr it e Of f • Kebijakan Umum Dir eksi Tahun 20 15 • Pr esent asi Ket ent uan Pr oduk oleh Divisi Int er nasional Banking • Diskusi Mengenai Pr oduk bjb KPR Pr imar y • Pembahasan Pedoman Tat a Kelola Ter int egr asi • Kepegawaian • Pembahasan Kiner ja Saham bank bjb • Division of Remedial and Recover y of Cr edit on Wr it e Of f • Gener al Policy of BOD in 20 15 • Pr esent at ion of Pr oduct Policy by t he Division of Int er nat ional Banking • Discussion on bjb KPR Pr imar y • Discussion on Guidelines f or Int egr at ed Gover nance • Employment • Discussion on t he per f or mance of bank bjb shar es ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Senin, 21 Sept ember 20 15 Monday, 21 Sept ember 20 15 • Dr af t KUDT Tahun 20 16 • Usulan Divisi Penyelamat an dan Penyelesaian Kr edit • Rencana Peningkat an St at us Kant or Cabang Ser ang • Rencana Pembukaan Kant or Wilayah V • Dr af t KUDT Tahun 20 16 • Pr oposal f r om t he Division of Remedial and Recover y of Cr edit • The Plan t o upgr ade St at us of Ser ang Br anch Of f ice • Plan f or Opening Regional Of f ice V ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Senin, 19 Okt ober 20 15 Monday, 19 Oct ober 20 15 • Divisi Sumber Daya Manusia • HR Division - - - - - - - - Kamis, 29 Okt ober 20 15 Thur sday, 29 Oct ober 20 15 • Pembahasan Rencana Bisnis Bank Tahun 20 16-20 18 • Discussion on t he Bank Business Plan 20 16-20 18 ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Rabu, 0 4 November 20 15 Wednesday, 0 4 November 20 15 • Tindaklanjut Pembahasan Rencana Bisnis Bank Tahun 20 16-20 18 • Pengajuan Divisi Penyelamat an dan Penyelesaian Kr edit • Follow up of Discussion on t he Bank Business Plan 20 16-20 18 • Submission f r om t he Division of Remedial and Recover y of Cr edit ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Senin, 23 November 20 15 Monday, 23 November 20 15 • Per ubahan Ket ent uan Limit Kewenangan Memut us Pengeluar an Biaya Over head • Change of Limit of Aut hor it y f or Over head Expenses Appr oval - - - - - - - - Senin, 28 Desember 20 15 Monday, 28 Desember 20 15 • Pengalihan Fasilit as Kesehat an Pegawai bank bjb • Per f or mance Management Syst em ber basis Individual Scor ecar d bjb ISC • Dana Pensiun • Tr ansf er of Healt h Facilit ies of bank bjb employee • Per f or mance Management Syst em based on Individual Scor ecar d bjb ISC • Pension Fund ¥ - ¥ ¥ ¥ ¥ ¥ ¥ Tidak lagi menjabat sebagai anggot a Dir eksi Per ser oan sejak t anggal 31 mar et 20 15 No longer ser ving as member of t he Boar d of Dir ect or s of t he Company since 31 Mar ch 20 15 St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 3 Rapat Gabungan Selama t ahun 20 15, Dewan Komisar is dan Dir eksi Per ser oan t elah menyelenggar akan r apat gabungan sebanyak 24 kali, yang r inciannya sebagai ber ikut : Tanggal Rapat Dat e of Meet ing Peserta | Par t icipant Agenda | Agenda 13 Januar i 20 15 13 Januar y 20 15 1. Tauf iequr achman Ruki Komisar is Ut ama | Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Wawan Ridwan Komisar is | Commissioner 4. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance - Rencana RUPS t ahun buku 20 14. - Pembahasan kemungkinan kekosongan pengur us. - Lain-lain. - GMS Plan of f iscal year 20 14. - Discussion on t he likelihood of vacancy in t he Boar d of Management . - Ot her s. 29 Januar i 20 15 29 Januar y 20 15 1. Muhadi Komisar is | Commissioner 2. Achmad Bar aba Komisar is Independen | Independent Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Cont r ol Finance Division 9. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Per siapan RUPS RUPS-LB t ahun 20 15. - Lain-lain. - Pr epar at ion f or GMS EO-GMS Year 20 15. - Ot her s. 17 Febr uar i 20 15 17 Febr uar y 20 15 1. Tauf iequr achman Ruki Komisar is Ut ama | Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Wawan Ridwan Komisar is | Commissioner 4. Achmad Bar aba Komisar is Independen | Independent Commissioner 5. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 6. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 7. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 8. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 9. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Pember ian f asilit as kr edit kepada pihak t er kait . - Lain-lain. - Pr ovision of loan f acilit ies f or r elat ed par t ies. - Ot her s. 11 Mar et 20 15 11 Mar ch 20 15 1. Muhadi Komisar is | Commissioner 2. Achmad Bar aba Komisar is Independen | Independent Commissioner 3. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 4. Klemi Subiyant or o Komisar is Independen | Independent Commissioner 5. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 6. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 9. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division 10 . Yusuf Saadudin Pemimpin Divisi Hukum | Head of Legal Division 11. Agus Mulyana Pemimpin Divisi Cor por at e Secr et ar y | Head of Cor por at e Secr et ar y Division 12. Dadang Iskandar Pemimpin Divisi Umum | Head of Gener al Af f air Division 13. Neneng Hayat i Pemimpin Divisi SDM | Head of Human Capit al Division - Per siapan RUPS RUPSLB t ahun 20 15. - Fasilit as kendar aan dinas - Lain-lain. - Pr epar at ion f or GMS EO-GMS Year 20 15. - Oper at ional Vehicle Facilit ies - Ot her s. 0 7 Apr il 20 15 0 7 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Cont r ol Finance Division 9. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division 10 . Agus Mulyana Pemimpin Divisi Cor por at e Secr et ar y | Head of Cor por at e Secr et ar y Division - Lapor an KRN t ent ang pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Kiner ja bank posisi f ebr uar i dan Mar et 20 15. - Per siapan RUPSLB Mei. - Lain-lain. - KRN Repor t on t he nominat ion f or Dir ect or of Compliance and Risk Management - The bank per f or mance f or t he posit ion of Febr uar y and Mar ch 20 15. - Pr epar at ion f or EO-GMS on May - Ot her s. Joint meeting Dur ing 20 15, t he Boar d of Commissioner s and Boar d of Dir ect or s of t he Company has or ganized a joint meet ing 24 t imes, det ails as f ollows: Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 4 Tanggal Rapat Dat e of Meet ing Peserta | Par t icipant Agenda | Agenda 13 Apr il 20 15 13 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Agus Supr iyat na Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Pembahasan St r ukt ur Or ganisasi. - Lain-lain. - Discussion on St r uct ur e of Or ganizat ion. - Ot her s. 29 Apr il 20 15 29 Apr il 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion of EO GMS f or Nominat ion of Dir ect or of Compliance and Risk Management - Ot her s. 0 5 Mei 20 15 0 5 May 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko - Lain-lain. - Pr epar at ion of EO GMS f or Nominat ion of Dir ect or of Compliance and Risk Management - Ot her s. 13 Mei 20 15 13 May 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Muhadi Komisar is | Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 5. Usman Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of Monit or ing Commit t ee of Business and Cr edit 6. Agus Her y Subagyo Anggot a Komit e Pemant au Bisnis dan Per kr edit an | Member of Monit or ing Commit t ee of Business and Cr edit 7. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Kiner ja bank bjb posisi Apr il 20 15. - Lain-lain. - Per f or mance of bank bjb on Apr il 20 15. - Ot her s. 26 Mei 20 15 26 May 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 8. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 9. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 10 . Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 11. Dindin Maolani Konsult an Hukum | Legal Consult ant 12. Et za Imelda F Konsult an Hukum | Legal Consult ant 13. Meer y Mir anda Konsult an Hukum | Legal Consult ant 14. Yususf Saadudin Pemimpin Divisi Hukum | Head of Legal Division - Per siapan RUPSLB pengisian calon Dir ekt ur Kepat uhan dan Manajemen Risiko. - Lain-lain. - Pr epar at ion of EO GMS f or Nominat ion of Dir ect or of Compliance and Risk Management . - Ot her s. 0 3 Juni 20 15 0 3 June 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. It a Gar meit a Pemimpin Divisi Mikr o | Head of Micr o Division - Pembahasan Per mohonan Pember ian Fasilit as Kr edit kepada Pihak Ter kait . - Lain-lain. - Pembahasan Per mohonan Pember ian Fasilit as Kr edit kepada Pihak Ter kait . - Lain-lain. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 5 Tanggal Rapat Dat e of Meet ing Peserta | Par t icipant Agenda | Agenda 0 9 Juni 20 15 0 9 June 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 7. Tot o Susant o Pemimpin Divisi Komer sial | Head of Commer cial Division 8. Agus Jajat M. Pemimpin Divisi Cr edit Risk | Head of Cr edit Risk Division 9. Jaja Jar kasih Pemimpin Divisi Manajemen Anak Per usahaan | Head of Subsidiar ies Management Division 10 . It a Gar meit a Pemimpin Divisi Lembaga Keuangan Mikr o | Head of Micr o Finance Inst it ut ion Division - Pembahasan Pr oses Pember ian Kr edit . - Lain-lain. - Discussion on Lending Pr ocess. - Ot her s. 23 Juni 20 15 23 June 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 9. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 10 . Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division 11. Ar if S. Pemimpin Divisi Mikr o | Head of Micr o Division - Pembahasan kiner ja bank bjb posisi Mei 20 15. - Pembahasan r evisi RBB. - Penyempur naan st r ukt ur or ganisasi. - Pember ian f asilit as kr edit kepada pihak t er kait . - Lain-lain. - Discussion on t he per f or mance of bank bjb posit ion of may 20 15. - Discussion on t he r evision of RBB. - Impr ovement of St r uct ur e of Or ganizat ion. - Pr ovision of loan f acilit ies f or r elat ed par t ies. - Ot her s. 30 Juni 20 15 30 June 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. It a Gar meit a Pemimpin Divisi Lembaga Keuangan Mikr o | Head of Micr o Finance Inst it ut ion Division 8. Agus Kur niawan Pemimpin Divisi KPR | Head of KPR Division - Pembahasan pr oses bisnis lembaga keuangan mikr o dan pr oses bisnis KPR. - Lain-lain. - Discussion on t he business pr ocess of micr o f inancial inst it ut ion and business pr ocess of KPR. - Ot her s. 29 Juli 20 15 29 July 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 10 . Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 11. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 12. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division - Pembahasan kiner ja bank bjb per iode Juni 20 15. - Pr esent asi Dir eksi Per ihal Hapus buku dan Hapus t agih kr edit . - Lain-lain. - Discussion on t he per f or mance of bank bjb posit ion of June 20 15. - BOD Pr esent at ion on Wr it e Of f and Cr edit Hair cut . - Ot her s. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 6 Tanggal Rapat Dat e of Meet ing Peserta | Par t icipant Agenda | Agenda 0 4 Agust us 20 15 0 4 August 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. It a Gar meit a Pemimpin Divisi Lembaga Keuangan Mikr o | Head of Micr o Finance Inst it ut ion Division 7. M Bar kah Set yadi Pempimpin Divisi Teknologi Inf or masi | Head of Inf or mat ion Technology Division 8. Asep Dani F Pemimpin Divisi Umum | Head of Gener al Af f air Division 9. Ar ief Set yahadi Pemimpin Divisi UMKM | Head of UMKM Division 10 . Adang A Kunandar Pemimpin Divisi PPK | Head of PPK Division - Pembahasan SOP hapus buku dan Hapus t agih kr edit . - Pr oses bisnis usaha mikr o kecil dan menengah UMKM dan lembaga keuangan mikr o LKM. - Pemenuhan Sumber Daya Manusia SDM sesuai st r ukt ur bar u dan inf r ast r ukt ur t eknologi inf or masi TI unt uk LKM, UMKM ser t a penyelamat an dan penyelesaian kr edit PPK. - Account maint enance non per f or ming loan NPL. - Lain-lain. - Discussion on t he SOP of Wr it e Of f and Cr edit Hair cut . - The business pr ocess of SMEs and Micr o Financial Inst it ut ion LKM. - Compliance of Human Resur ce HR accor ding t o t he new st r uct ur e and inf r ast r uct ur e of inf or mat ion t echnology TI f or LKM, UMKM as well as t he Rest r uct ur ing and Set t lement of Cr edit PPK. - Account maint enance non per f or ming loan NPL. - Ot her s. 25 Agust us 20 15 25 August 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer - Pembahasan kiner ja bank bjb posisi Juli 20 15. - Lain-lain. - Discussion on t he per f or mance of bank bjb posit ion of July 20 15. - Ot her s. 14 Sept ember 20 15 14 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 10 . Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 11. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 12. Gegeg Mint or ogo Pemimpin Divisi Audit Int er nal | Head of Audit Int er nal Division 13. Ahmad Nasr ullah Pemimpin Divisi Kepat uhan | Head of Compliance Division 14. Tedi S Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Pembahasan hasil t emuan audit int er nal. - Lain-lain. - Discussion on int er nal audit f indings. - Ot her s. 28 Sept ember 20 15 28 Sept ember 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Ahmad Ir f an Dir ekt ur Ut ama | Pr esident Dir ect or 6. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 7. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 8. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 9. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 10 . Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 11. Tedi S Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division - Pembahasan KUDT t ahun 20 16. - Pembahasan kiner ja bank bjb posisi agust us 20 15. - Lain-lain. - Discussion on KUDT 20 16. - Discussion on t he per f or mance of bank bjb posit ion of August 20 15. - Ot her s. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 7 Tanggal Rapat Dat e of Meet ing Peserta | Par t icipant Agenda | Agenda 28 Okt ober 20 15 28 Oct ober 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner - Pembahasan pemilihan kant or akunt an publik KAP. - Pembahasan lapor an publikasi posisi 30 Sept ember 20 15. - Lain-lain. - Discussion on t he select ion of Public Account ant Fir m KAP. - Discussion on published r epor t f or t he posit ion of 30 Sept ember 20 15. - Ot her s. 0 5 November 20 15 0 5 November 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 3. Muhadi Komisar is | Commissioner 4. Nia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 5. Suar t ini Dir ekt ur Komer sial | Managing Dir ect or of Commer cial 6. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 7. Tedi S Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division 8. Agus Kur niawan Pemimpin Divisi KPR | Head of KPR Division 9. Dadang Iskandar Pemimpin Divisi Jar ingan, Layanan dan Oper asional Head of Net wor k, Ser vices and Oper at ional Division 10 . Dadan Yonanda Pemimpin Divisi Sumber Daya Manusia | Head of Human Capit al Division 11. Adang A. Kunandar Pemimpin Divisi PPK | Head of PPK Division - Pembahasan r encana bisnis bank t ahun 20 16. - Lain-lain. - Discussion on t he Bank Business Plan 20 16 - Ot her s. 18 November 20 15 18 November 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Mulyana Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or of Compliance and Risk Management 6. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 7. NiaNia Kania Dir ekt ur Keuangan | Managing Dir ect or of Finance 8. Agus Riswant o Pemimpin Divisi Pengendalian Keuangan | Head of Finance Cont r ol Division 9. Dadan Yonanda Pemimpin Divisi Sumber Daya Manusia | Head of human Capit al Division - Pembahasan kiner ja bank bjb posisi okt ober t ahun 20 15. - Pembahasan bidang SDM. - Lain-lain. - Discussion on t he per f or mance of bank bjb posit ion of Oct ober 20 15. - Discussion on HR. - Ot her s. 0 2 Desember 20 15 0 2 December 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Agus Gunawan Dir ekt ur Mikr o | Managing Dir ect or of Micr o 6. Adang A. Kunandar Pemimpin Divisi PPK | Head of PPK Division - Pembahasan kewenangan limit ker inganan bunga kr edit . - Pember ian f asilit as kr edit kepada pihak t er kait . - Lain-lain. - Discussion on t he aut hor it y of limit of loan int er est r educt ion. - Pr ovision of loan f acilit ies f or r elat ed par t ies. - Ot her s. 0 2 Desember 20 15 0 2 December 20 15 1. Klemi Subiyant or o Komisar is Independen Pelaksana Tugas Komisar is Ut ama | Independent Commissioner Act ing Pr esident Commissioner 2. Yayat Sut ar yat Komisar is Independen | Independent Commissioner 3. Rudhyant o Moodut o Komisar is Independen | Independent Commissioner 4. Muhadi Komisar is | Commissioner 5. Fer miyant i Dir ekt ur Konsumer | Managing Dir ect or of Consumer 6. Benny Sant oso Dir ekt ur Oper asional | Managing Dir ect or of Oper at ional 7. Asep Dani F. Pemimpin Divisi Umum | Head of Gener al Af f air Division 8. Dadang Iskandar Pemimpin Divisi Jar ingan Layanan Oper asional | Head of Oper at ional Ser vices Net wor k Division 9. Bar kah Set yadi Pemimpin Divisi IT | Head of Inf or mat ion t echnology Division 10 . Agus Khomsi Pemimpin Divisi CMO | Head of CMO Division 11. Mer siana S. Pemimpin Unit Elect r onik Banking | Head of Elect r onic Banking Unit - Pembahasan IT dan E-Banking bank bjb. - Discussion on IT and E-Banking of bank bjb. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 8 Kom it e di Baw ah Direksi Co m m it t ees und er Bo ard of Direct o rs ASSETS AND LIABILITY COMMITTEE ALCO Asset and Liabilit y Commit t ee ALCO adalah komit e yang dibent uk ber dasar kan Sur at Keput usan Dir eksi No. 429 SK DIR-TR 20 15 t anggal 11 Mei 20 15 unt uk membant u Dir eksi dalam menet apkan st r at egi t er hadap asset dan liabilit y guna mengeliminasi r isiko likuidit as. Tim Asset and Liabilit y Commit t ee ALCO yang t er dir i dar i anggot a Dir eksi dan Par a Pemimpin Divisi t er kait t er dir i dar i: Jabatan Nama Name Position Ket ua Dir ekt ur Ut ama | Pr esident Dir ect or Chair man Wakil Ket ua Dir ekt ur Keuangan | Managing Dir ect or – Finance Vice Chair man Dir ekt ur Komer sial | Managing Dir ect or – Commer cial Dir ekt ur Konsumer | Managing Dir ect or – Consummer Dir ekt ur Mikr o | Managing Dir ect or – Micr o Sekr et ar is Pemimpin Divisi Tr esur i | Head of Tr easur y Division Secr et ar y Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division Pemimpin Divisi Pengendali Keuangan | Head of Finance Account ing Division Anggot a Tet ap Dir ekt ur Oper asional | Managing Dir ect or – Oper at ional Per manent Member Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or Compliance and Risk Management Pemimpin Divisi Kr edit Konsumer | Head of Consummer Cr edit Division Pemimpin Divisi Kor por asi dan Komer sial | Head of Cor por at e and Commer cial Division Pemimpin Divisi KPR KKB | Head of KPR KKB Division Pemimpin Divisi Kr edit BPR Lembaga Keuangan Mikr o | Head of BPR Cr edit Micr o Financial Inst it ut ion Division Pemimpin Divisi Inst it ut ional Banking | Head of Inst it ut ional Banking Division Pemimpin Divisi Int er nasional | Head of Int er nat ional Division Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division Pemimpin Divisi Cr edit Risk | Head of Cr edit Risk Division Pemimpin Divisi Jar ingan, Layanan Oper asional | Head of Net wor k, Ser vices Oper at ional Division Pemimpin Divisi Penyelamat an Penyelesaian Kr edit | Head of Recover y Cr edit Set t lement Division Pemimpin Unit Elect r onic Banking | Head of Elect r onic Banking Unit Anggot a Tidak Tet ap Par a Pemimpin Divisi Lainya | Head of Ot her s Division Non Per manent Member ASSETS AND LIABILITY COMMITTEE ALCO The Asset and Liabilit y Commit t ee ALCO is est ablished based on t he Dir ect or s Decr ee No. 429 SK DIR-TR 20 15 dat ed May 11, 20 15 t o assist t he Boar d of Dir ect or s in det er mining t he st r at egies r elat ed t o asset and liabilit y in or der t o eliminat e liquidit y r isk. The Asset and Liabilit y Commit t ee ALCO Team which consist s of t he member s of t he Boar d of Dir ect or s and t he Chair man of t he r elat ed divisions, includes: St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 50 9 TUGAS, WEWENANG DAN TANGGUNG JAWAB ASSET AND LIABILITY COMMITTEE ALCO Tugas, wewenang dan t anggung jawab Asset and Liabilit y Commit t ee ALCO sesuai SK No. 429 SK DIR-TR 20 15 t anggal 11 Mei 20 15 t ent ang Susunan Tim ALCO bank bjb adalah sebagai ber ikut : 1 Ber t anggung jawab at as pencapaian r ent abilit as Bank sesuai dengan t ar get keunt ungan laba, per t umbuhan ner aca dan beber apa ukur an r ent abilit as yang t elah dit et apkan dalam anggar an. 2 Melakukan r apat secar a ber kala minimum sebulan sekali unt uk menilai, mer encanakan dan mengambil langkah ber upa kebijaksanaan dan act ion plan unt uk mengejar t ar get r encana ker ja dan anggar an dengan r ealisasi yang t er jadi ser t a usulan kemungkinan per ubahan anggar an. 3 Mer umuskan dan memut uskan pr icing st r at egy yang meliput i Cr edit Pr icing, Deposit Pr icing, dan Pr icing Pr oduk dan Jasa Bank Lainnya. 4 Melakukan r apat secar a ber kala unt uk menilai, mengevaluasi per f or mance Bank yang ber kait an dengan posisi gap management , bat as maksimun pember ian kr edit BMPK dan Posisi Devisa Net t o PDN. 5 Mengevaluasi posisi suku bunga Bank dan st r at egi Bank unt uk memast ikan bahwa hasil r isk t aking posit ion Bank t elah konsist en dengan t ujuan pengelolaan r isiko suku bunga. 6 Mereview secar a per iodik posisi likuidit as Bank dan mer umuskan besar nya pr esent ase likuidit as yang akan diper t ahankan oleh Bank. 7 Mereview secar a per iodik posisi alokasi penempat an dana Bank pada akt iva yang menghasilkan ear ning asset s dan mer umuskan pada alokasi dana pada ear ning asset s yang opt imal. 8 Mereview secar a per iodik posisi sumber dana Bank dan mer umuskan komposisi jenis-jenis sumber dana yang menghasilkan cost of f unds yang opt imal. 9 Mereview secar a per iodik posisi dan eksposur e penempat an dana di pasar uang ant ar Bank dengan menet apkan limit global besar nya aset Bank pada penempat an dana di pasar uang. 10 Mereview dan mer encanakan secar a per iodik posisi kualit as Por t of olio per kr edit an, juga menet apkan besar nya posisi Loan t o Deposit Rat io LDR yang akan diambil Bank. 11 Melakukan pembahasan mengenai posisi per modalan Bank dalam upaya mencapai posisi Capit al Adequacy Rat io yang dit ent ukan oleh Bank Indonesia dengan melaksanakan capit al planning yang cer mat . 12 Mereview pembahasan r eview mengenai posisi alokasi dana pada penyer t aan dan invest asi Bank pada sur at - sur at ber har ga, ser t a pada jumlah yang opt imal at as har t a t et ap dan invent ar is kant or . DUTIES, AUTHORITIES AND RESPONSIBILITIES OF THE ASSET AND LIABILITY COMMITTEE ALCO The dut ies, aut hor it ies and r esponsibilit ies of t he Asset and Liabilit y Commit t ee ALCO based on SK No. 429 SK DIR- TR 20 15 dat ed May 11, 20 15 on t he Composit ion of t he ALCO t eam of bank bjb ar e as f ollows: 1 Responsible f or t he achievement of t be Bank’s pr of it abilit y accor ding t o t he t ar get ed pr of it , gr owt h of balance sheet and sever al ot her pr of it abilit y measur es as det er mined in t he budget . 2 Conduct r egular meet ings at least once a mont h t o assess, plan, and t ake measur es in t he f or m of policy and act ion plan in or der t o r ealize t he t ar get s of t he wor k plan and budget as well as pr opose possible changes in t he budget 3 For mulat e and decide on pr icing st r at egy which includes Cr edit Pr icing, Deposit Pr icing, and t he Pr icing of t he Bank’s Pr oduct and Ot her Ser vices 4 Conduct per iodic meet ings t o assess, evaluat e t he Bank’s per f or mance associat ed wit h t he gap posit ion of management , Legal Lending limit LLL and Net Open Posit ion NOP. 5 Evaluat e t he posit ion of t he Bank’s int er est r at e and t he Bank’s policy t o ensur e t hat t he r esult of t he Bank’s r isk t aking posit ion is consist ent wit h t he goals of int er est r at e r isk management . 6 Per iodically r eview t he Bank’s liquidit y posit ion and f or mulat e t he per cent age of liquidit y t o be maint ained by t he Bank. 7 Per iodically r eview t he posit ion of t he Bank’s placement of f unds in ear ning asset s and f or mulat e an opt imal allocat ion of f unds t o ear ning asset s. 8 Per iodically r eview t he Bank’s f unding posit ion and f or mulat e t he composit ion of t he t ypes of f unding sour ces t hat gener at e t he opt imal cost of f unds. 9 Per iodically r eview t he posit ion and exposur e of placement of f unds in t he int er bank money mar ket by set t ing a global limit on t he amount of bank asset s in money mar ket placement s 10 Per iodically r eview and plan t he posit ion of t he cr edit qualit y por t f olio, also det er mining t he amount of Loan t o Deposit Rat io LDR posit ion t o be t aken by t he Bank. 11 Conduct a discussion about t he Bank’s capit al posit ion in an ef f or t t o r each t he Capit al Adequacy Rat io as det er mined by Bank Indonesia by implement ing a t hor ough capit al planning. 12 To r eview t he discussion of t he posit ion allocat ion of f unds t o t he Bank’s invest ment in secur it ies, as well as t he on t he opt imal amount of f ixed asset s and of f ice invent or y. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 510 13 Melaksanakan r apat -r apat lainnya yang disyar at kan oleh per ubahan-per ubahan yang t er jadi di pasar at aupun per ubahan-per ubahan dar i segi r egulasi pemer int ah yang t er jadi secar a t iba-t iba. PELAKSANAAN RAPAT ALCO Selama t ahun 20 15 Tim ALCO t elah melaksanakan kegiat an diant ar anya menyelenggar aan Rapat ALCO, dengan pembahasan hal-hal sebagai ber ikut :

1. Optimalisasi Balance Sheet

Opt imalisasi Balance Sheet ber t ujuan unt uk meningkat kan NIM dan menur unkan Cost of Fund, t et api t et ap dengan r isiko yang t er ukur .

2. Funding

Dalam r angka pengelolaan likuidit as bank bjb, ALCO t elah melakukan ber bagai kajian dan menet apkan per ubahan suku bunga Deposit o Rupiah dan Valas.

3. Kredit

Ter kait suku bunga kr edit , ALCO melakukan ber bagai kajian dan menet apkan beber apa keput usan mengenai Suku Bunga Kr edit Rupiah. FREKUENSI RAPAT TINGKAT KEHADIRAN ALCO Selama t ahun 20 15, Tim ALCO t elah melakukan r apat sebanyak 9 sembilan kali dengan f r ekuensi r apat dan t ingkat kehadir an anggot a per manen Tim ALCO sebagai ber ikut : No. Bulan Mont h Jumlah Anggot a Per manen Tot al Per manent Member Jumlah Kehadir an Anggot a Per manen ‘ Kehadir an 1. Febr uar i | Febr uar y 23 21 91 2. Mar et 23 21 91 3. Apr il 23 21 91 4. Juni 1 23 22 96 5. Juni 2 23 22 96 6. Agust us 23 23 10 0 7. Sept ember 23 23 10 0 8. November 23 21 91 9. Desember 23 22 96 RISK MANAGEMENT COMMITTEE RMC Ber dasar kan Sur at Keput usan Dir eksi bank bjb Nomor 213 SK DIR-MR 20 11 Tanggal 21 Juli 20 11 Tent ang Kebijakan dan Pedoman Manajemen Risiko, Risk Management Commit t ee RMC at au Komit e Manajemen Risiko dalam met odologi pr oses manajemen r isiko ber t ugas unt uk mengembangkan budaya r isiko dan menet apkan ar ahan unt uk selur uh akt ivit as 13 Car r y out ot her meet ings as r equir ed by t he sudden changes in t he mar ket or in gover nment r egulat ions. ALCO MEETING Dur ing 20 15, t he ALCO t eam car r ied out act ivit ies including t he ALCO meet ing, wit h t he discussion on t he f ollowing mat t er s:

1. Optimization of the Balance Sheet

Balance Sheet Opt imizat ion aims t o impr ove NIM and lower Cost of Fund wit h measur able r isk.

2. Funding

In or der t o manage bank bjb’s liquidit y, ALCO has conduct ed var ious st udies and est ablish changes in t he int er est r at es of t he IDR and For eign Cur r ency Deposit s.

3. Credit

Relat ed t o cr edit int er est r at e, ALCO conduct ed var ious st udies and set some decisions r elat ed t o t he Int er est Rat e of Cr edit in IDR. FREQUENCY OF ALCO MEETING AND THE LEVEL OF ATTENDANCE Dur ing 20 15, t he ALCO t eam per f or med 9 nine meet ings wit h t he det ails on t he f r equency of meet ing and t he level of at t endance of t he per manent member s of t he ALCO t eam as f ollows: RISK MANAGEMENT COMMITTEE RMC Based on t he Decr ee of t he Boar d of Dir ect or s of bank bjb No. 213 SK DIR-MR 20 11 dat ed July 21, 20 11 on t he Policies and Guidelines f or Risk Management , t he Risk Management Commit t ee RMC in it s met hodology of t he r isk management pr ocess is t asked t o develop a cult ur e of r isk and det er mine t he dir ect ion f or all act ivit ies t hat cont ain r isk. The Pr ocess St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 511 yang mengandung r isiko. Pr oses Komit e Manajemen Risiko secar a spesif ik t er dapat dalam Pedoman Komit e Manajemen Risiko yang t elah disahkan dalam Sur at Keput usan Dir eksi bank bjb No. 968 SK DIR-MR 20 14 Tanggal 8 Desember 20 14 Tent ang Pedoman Komit e Manajemen Risiko Risk Management Commit t ee. Komit e Manajemen Risiko yang t er dir i dar i anggot a Dir eksi dan Par a Pemimpin Divisi t er kait t er dir i dar i: Jabatan Nama Name Position Ket ua Dir ekt ur yang membidangi Manajemen Risiko | Managing Dir ect or – Risk Management Chair man Sekr et ar is Pemimpin Divisi Manajemen Risiko Mer angkap sebagai Anggot a Tet ap | Head of Risk Management Division Accr edit ed as Per manent Member s Secr et ar y Pemimpin Divisi Pengendalian Keuangan | Head of Finance and Account ing Division Anggot a Tet ap Selur uh Dir eksi lainnya Di luar Dir ekt ur Ut ama | All Dir ect or s – Except Pr esident Dir ect or Per manent Member Pemimpin Divisi Kepat uhan | Head of Compliance Pemimpin Divisi Audit Int er nal | Head of Audit Int er nal Division Pemimpin Divisi Cr edit Risk | Head of Cr edit Risk Division Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division Pemimpin Divisi Kr edit BPR Lembaga Keuangan Mikr o | Head of BPR Cr edit Micr o Financial Inst it ut ion Division Pemimpin Divisi Change Management Of f ice | Head of Change Management Of f ice Division Pemimpin Divisi Pengendalian Keuangan | Head of Finance Account ing Division Pemimpin Divisi Per encanaan St r at egis | Head of St r at egic Planning Division Anggot a Tidak Tet ap Pemimpin Divisi Unit yang memiliki ket er kait an dengan t opik pembahasan | Leader s Division Unit t hat have r elevance t o t he t opic of discussion Non Per manent Member TUGAS, WEWENANG DAN TANGGUNG JAWAB RISK MANAGEMENT COMMITTEE RMC Tugas, wewenang dan t anggung jawab Risk Management Commit t ee RMC sesuai SK No. 968 SK DIR-MR 20 14 t anggal 8 Desember 20 14 t ent ang Pedoman Komit e Manajemen Risiko Risk Management Commit t ee adalah sebagai ber ikut : 1. Penet apan kebijakan manajemen r isiko ser t a per ubahannya, t er masuk st r at egi manajemen r isiko dan cont ingency plan dalam kondisi ekst er nal t idak nor mal t er jadi wor st case scenar io. 2. Penet apan at as per baikan dan penyempur naan pener apan manajemen r isiko yang dilakukan secar a ber kala maupun insident il sebagai akibat dar i suat u per ubahan kondisi ekst er nal dan int er nal Bank yang mempengar uhi kecukupan per modalan dan pr of il r isiko Bank dan hasil evaluasi t er hadap ef ekt ivit as pener apan t er sebut . of Risk Management Commit t ee can be specif ically f ound in t he Guidelines f or t he Risk Management Commit t ee which was appr oved t hr ough t he Decr ee of t he Boar d of Dir ect or s of bank bjb No. 968 SK DIR-MR 20 14 dat ed December 8, 20 14 on t he Guidelines f or t he Risk Management Commit t ee. Risk Management Commit t ee consist ing of member s of t he Boar d of Dir ect or s and Division Leader s Relat ed consist of : DUTIES, AUTHORITIES AND RESPONSIBILITIES AOF THE RISK MANAGEMENT COMMITTEE RMC Dut ies, power s and r esponsibilit ies of t he Risk Management Commit t ee RMC in accor dance wit h t he Decr ee No. 968 SK DIR-MR 20 14 dat ed December 8, 20 14 on Guidelines f or t he Risk Management Commit t ee Risk Management Commit t ee ar e as f ollows: 1. The f or mulat ion of r isk management policies and t heir changes, including t he st r at egy of r isk management and cont ingency plan f or ext r aor dinar y ext er nal condit ion wor st case scenar io. 2. Impr ove and enhance t he implement at ion of Risk Management which is conduct ed per iodically and incident ally as a r esult of t he changes in t he ext er nal and int er nal condit ion of t he Bank t hat af f ect s t he Bank’s capit al adequacy and t he Bank’s r isk pr of ile as well as t he r esult of evaluat ion on t he t he ef f ect iveness of t he implement at ion. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 512 3. Penet apan just if icat ion at as hal-hal yang t er kait dengan keput usan-keput usan bisnis yang menyimpang dar i pr osedur nor mal ir r egular it ies, seper t i keput usan pelampauan ekspansi usaha yang signif ikan dibandingkan dengan r encana bisnis bank yang t elah dit et apkan sebelumnya at au pengambilan posisi eksposur r isiko yang melampaui limit yang t elah dit et apkan. 4. Penet apan per ubahan mat er i yang t er dapat pada kebijakan dan pr osedur pener apan manajemen r isiko. 5. Memast ikan dilakukannya pengawasan r isiko melalui penet apan t oler ansi at au limit r isiko at as pengajuan oleh r isk t aking unit yang dapat dit er ima ser t a alokasi modal t er kait cadangan r isiko unt uk selur uh kegiat an oper asional bank. 6. Mengkoor dinasikan dan memant au selur uh st r at egi manajemen r isiko. 7. Melakukan evaluasi t er hadap pener apan model-model pengukur an r isiko bank. 8. Menyet ujui st r at egi manajemen r isiko yang melampaui kewenangan pimpinan sat uan ker ja oper asional. 9. Penet apan r isk appet it e r isk t oler ance at as pr oduk dan akt ivit as bar u dan sesuai dengan kemampuan bank unt uk melaksanakan pr oduk dan akt ivit as bar u t er sebut . 10 . Melakukan pemant auan kecukupan per modalan bank t er hadap r isk exposur e sesuai ket ent uan Bank Indonesia yang ber laku. 11. Melakukan evaluasi at as Pelapor an Pr of il Risiko bank. 12. Mengevaluasi ef ekt ivit as pelaksanaaan manajemen r isiko. PELAKSANAAN KEGIATAN RISK MANAGEMENT COMMITTEE Selama t ahun 20 15, Risk Management Commit t ee RMC t elah melaksanakan kegiat an diant ar anya menyelenggar akan r apat , dengan agenda sebagai ber ikut : • Pembahasan t er kait Lapor an pr of il r isiko t ahun 2015; • Pengukur an pr of il r isiko pasar dan likuidit as; • Basel III; • Hasil pengukur an r isk cult ur e kant or cabang; • Limit sect or indust r y; • Scor ing KPR; • Review par amet er pr of il r isiko st r at ejik, r isiko hukum, r isiko kepat uhan dan r isiko r eput asi; • Lapor an st r ess t est r isiko pasar , likuidit as dan kr edit ; • Mar ket liquidit y r isk highlight ; • Lapor an r oot cause of cr edit r isk. 3. Just if icat ion on t he mat t er s r elat ed t o t he business decisions wit h deviat ions t o t he nor mal pr ocedur e ir r egular it ies, such as t he decision which lead t o t he expansion of t he Bank’s business beyond t he Bank’s Business Plan pr eviously det er mined or r isk exposur e mor e t han t he limit det er mined pr eviously. 4. Det er mining change of mat er ials st ipulat ed at t he policies and pr ocedur es of r isk management implement at ion. 5. Ensur ing t he implement at ion of super vision of r isk management by est ablishing t he limit of accept able r isks as well as allocat ion of capit al associat ed wit h r eser ve of r isks f r om all of bank oper at ional act ivit ies. 6. Coor dinat ing and super vising all r isk management st r at egies. 7. Per f or m evaluat ion on t he implement at ion of models in measur ing bank r isks. 8. Appr oving r isk management st r at egies which exceeds t he aut hor it ies of chief of oper at ional t ask f or ce unit . 9. Det er mining t he r isk appet it e r isk t oler ance on t he Bank’s new pr oduct s and act ivit ies in or der t o cor r espond t o t he Bank’s capabilit y. 10 . Over seeing capit al adequacy of bank against t he r isk exposur e in wit h t he applicable r egulat ion of Bank Indonesia. 11. Evaluat e t he Bank Risk Pr of ile Repor t ing. 12. Evaluat e t he ef f ect iveness of t he implement at ion of r isk management . ACTIVITIES OF THE RISK MANAGEMENT COMMITTEE Dur ing 20 15, t he Risk Management Commit t ee RMC car r ied out act ivit ies, such as or ganizing meet ings, wit h t he f ollowing agenda: • The discussion on t he r isk pr of ile r epor t in 20 15; • Measur ement of mar ket r isk and liquidit y r isk pr ofile; • Basel III; • The r esult s of t he measur ement of r isk cult ur e in t he br anch of f ices; • Limit of t he indust r y sect or ; • Mor t gages scor ing; • Review t he par amet er of t he st r at egic r isk, legal r isk, compliance r isk and r eput at ion r isk pr of ile; • Report on the stress test of market, liquidity and credit risks; • Mar ket and liquidit y r isk highlight s; • Repor t on t he r oot cause of cr edit r isk. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 513 CREDIT POLICY COMMITTEE CPC Cr edit Policy Commit t ee CPC adalah komit e yang dibent uk ber dasar kan Sur at Keput usan Dir eksi No. 20 6 SK DIR- KOM 20 15 t anggal 4 Mar et 20 15 unt uk membant u manajemen dalam pengendalian r isiko, pengawasan at as kebijakan bidang per kr edit an dan mengopt imalkan f ungsi manajemen r isiko dan membant u Manajemen dalam mer umuskan Kebijakan, mengawasi pelaksanaan kebijakan, memant au per kembangan dan kondisi por t of olio per kr edit an ser t a member ikan sar an-sar an langkah per baikan. Komit e Cr edit Policy Commit t ee CPC diket uai oleh Dir ekt ur Ut ama at au salah seor ang anggot a dir eksi dengan per set ujuan Dewan Komisar is dengan anggot a sekur ang- kur angnya t er dir i dar i Dir ekt ur Kr edit , Pimpinan Sat uan Ker ja Bidang Oper asional Per kr edit an, Pimpinan SKAI. Jabatan Nama Name Position Ket ua Dir ekt ur Ut ama | Pr esident Dir ect or Chair man Wakil Ket ua Dir ekt ur Komer sial | Managing Dir ect or – Commer cial Vice Chair man Sekr et ar is 1 Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division Secr et ar y 1 Sekr et ar is 2 Pemimpin Divisi Cr edit Risk | Head of Cr edit Risk Division Secr et ar y 2 Anggot a Tet ap Dir ekt ur Mikr o | Managing Dir ect or – Micr o Per manent Member Dir ekt ur Komer sial | Managing Dir ect or – Commer cial Dir ekt ur Keuangan | Managing Dir ect or – Finance Dir ekt ur Oper asional | Managing Dir ect or – Oper at ional Dir ekt ur Tr easur y Int er nasional | Managing Dir ect or – Tr easur y Int er nasional Dir ekt ur Kepat uhan Manajemen Risiko | Managing Dir ect or – Compliance Risk Management Pemimpin Divisi Kor por asi dan Komer sial | Head of Cor por at e and Commer cial Division Pemimpin Divisi Konsumer | Head of Consumer Division Pemimpin Divisi Kr edit UMKM | Head of UMKM Cr edit Division Pemimpin Divisi Kr edit BPR Lembaga Keuangan Mikr o | Head of BPR Cr edit Micr o Financial Inst it ut ion Division Pemimpin Divisi KPR KKB | Head of KPR KKB Division Pemimpin Divisi Audit Int er nal | Head of Int er nal Audit Division Pemimpin Divisi Kepat uhan | Head of Compliance Division Pemimpin Divisi Hukum | Head of Law Division Pemimpin Unit Administ r asi Kr edit Bisnis Legal | Head of Cr edit Administ r at ion Business Legal Division Anggot a Tidak Tet ap Pemimpin Divisi Unit yang memiliki ket er kait an dengan t opik pembahasan | Leader s Division Unit t hat have r elevance t o t he t opic of discussion Non Per manent Member TUGAS, WEWENANG DAN TANGGUNG JAWAB CREDIT POLICY COMMITTEE CPC Tugas, wewenang dan t anggung jawab Cr edit Policy Commit t ee CPC sesuai SK No. No. 20 6 SK DIR-KOM 20 15 t anggal 4 Mar et 20 15 t ent ang St r ukt ur Cr edit Policy Commit t ee adalah sebagai ber ikut : 1. Mer umuskan dan menet apkan per masalahan yang ber sif at signif ikan dan mat er ial, meliput i penyusunan kebijakan kr edit ser t a per ubahannya, per baikan at au penyempur naan pener apan t er masuk st r at egi kebijakan kr edit ser t a cont ingency plan apabila t er dapat kondisi yang t idak nor mal; CREDIT POLICY COMMITTEE CPC The Cr edit Policy Commit t ee CPC is a commit t ee est ablished based on t he Decr ee of t he Boar d of Dir ect or s No. 20 6 SK DIR-KOM 20 15 dat ed Mar ch 4, 20 15 t o assist t he Management in r isk cont r ol, cont r ol over t he policies in cr edit and opt imize t he r isk management f unct ion as well as assist t he Management in f or mulat ing policies, over seeing t he implement at ion of policies, monit or pr ogr ess and t he condit ion of cr edit por t f olio and pr ovide advices on impr ovement s. The Cr edit Policy Commit t ee CPC is chair ed by t he Pr esident Dir ect or or a member of t he Boar d of Dir ect or s wit h t he appr oval of t he Boar d of Commissioner s wit h member s compr ising at least of Cr edit Dir ect or , Head of Cr edit Oper at ions Unit , Head of Int er nal Audit . DUTIES, AUTHORITIES AND RESPONSIBILITIES OF THE CREDIT POLICY COMMITTEE CPC The dut ies, aut hor it ies and r esponsibilit ies of t he Cr edit Policy Commit t ee CPC based on t he Decr ee No. 20 6 SK DIR-KOM 20 15 dat ed Mar ch 4, 20 15 on t he St r uct ur e of t he Cr edit Policy Commit t ee ar e: 1. For mulat e and def ine issues t hat ar e signif icant and mat er ial, including t he pr epar at ion of cr edit policy and amendment s t her et o, t he r epair or r ef inement of t he applicat ion of cr edit policy st r at egy and t he cont ingency plan f or abnor mal condit ions; Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 514 2. Menet apkan hal-hal yang t er kait dengan keput usan bisnis yang menyimpang dar i pr osedur nor mal di bidang kr edit ant ar a lain keput usan pelampauan ekspansi kr edit yang signif ikan dibandingkan dengan r encana bisnis Bank yang t elah dit et apkan sebelumnya; 3. Mer umuskan kebijakan per kr edit an ber dasar kan hal-hal khusus yang dikehendaki r isk appet it e yang ber kait an dengan: a. Tar get mar ket dan por si; b. Segment asi; c. Risk Limit Risk Toler ance set iap t ar get mar ket sekt or jenis kr edit wilayah; d. Risk Mit igat ion; e. Maksimum hapus buku; 4. Mer umuskan limit kewenangan memut us kr edit ; 5. Menet apkan kebijakan dalam hal kr edit ber masalah ber upa: a. Penyelamat an r escheduling, r econdit ioning, r est r uct ur ing at au b. Penyelesaian melalui pr oses di pengadilan at aupun pr oses di luar pengadilan . 6. Mengawasi pelaksanaan KPB secar a konsist en ser t a mer umuskan pemecahan masalah apabila t er dapat hambat an kendala dalam pener apan KPB; 7. Melapor kan secar a t er t ulis dan ber kala kepada Dir eksi dengan t embusan Dewan Komisar is mengenai: a. Hasil pengawasan at as pener apan dan pelaksanaan KPB; b. Hasil pemant auan dan evaluasi; 8. Member ikan sar an langkah per baikan kepada Dir eksi dengan t embusan Dewan Komisar is; 9. Melaksanakan pengkajian t er hadap ef ekt ivit as Sist em Pengendalian Int er nal Per kr edit an secar a ber kala; 10 . Memant au ser t a member ikan sar an at as per encanaan dan pelaksanaan t r aining dibidang per kr edit an; 11. Memant au dan mengevaluasi: a. Perkembangan dan kualitas portof olio perkreditan secara keseluruhan termasuk perkembangan dan kualitas kredit yang diberikan kepada pihak yang terkait dengan bank dan debitur-debitur besar tertentu; b. Pelaksanaan kewenangan memut us kr edit dan ket ent uan BMPK; 2. Specif y mat t er s r elat ed t o business decisions t hat deviat e f r om nor mal pr ocedur es in t he ar eas of cr edit , including t he decision on cr edit expansion exceedances which is signif icant if compar ed t o t he Bank’s business plan which has been pr eviously f or mulat ed. 3. For mulat e cr edit policies based on t he r isk appet it e r elat ed t o: a. Tar get mar ket dan por t ion b. Segment at ion c. Risk Limit Risk Toler ance on each of t he t ar get t ed mar ket sect or t ype cr edit r egion; d. Risk Mit igat ion e. Maximum wr it e of f 4. For mulat ing t he aut hor ized limit of cr edit 5. Est ablish a policy f or non per f or ming loans in t he f or m: a. Rescue r escheduling, r econdit ioning, r est r uct ur ing, or b. Set t lement t hr ough t he in cour t or out of cour t pr ocesses. 6. Consist ent ly monit or t he implement at ion of t he CDE and f or mulat e a basis if t her e is a pr oblem-solving bar r ier s obst acles in t he implement at ion of CDE. 7. Periodically submit to the Board of Directors a written report with a copy to the Board of Commissioners on: a. The r esult of super vision and t he implement at ion of CDE; b. Result on monit or ing and evaluat ion; 8. Advise cor r ect ive measur es t o t he Boar d of Dir ect or s wit h a copy t o t he Boar d of Commissioner s; 9. Car r y out an assessment per iodically on t he ef f ect iveness of int er nal cont r ol and cr edit syst em; 10 . Monit or and pr ovide advice on t he planning and t r ainings in t he f ield of cr edit ; 11. Monit or and evaluat e: a. The development and over all qualit y of t he cr edit por t f olio, including t he development and t he qualit y of loans gr ant ed t o par t ies r elat ed t o t he Bank and cer t ain lar ge debt or s; b. The aut hor it y t o decide on cr edit and LLL; St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 515 c. Kepat uhan t er hadap ket ent uan per undang-undangan dan per at ur an lainnya dalam pelaksanaan pember ian kr edit ; d. Penyelesaian kr edit ber masalah sesuai dengan yang dit et apkan dalam KPB; e. Kepat uhan dalam memenuhi ket ent uan mengenai kecukupan Cadangan Ker ugian Penur unan Nilai CKPN; f . Debit ur -debit ur besar t er t ent u dan kr edit yang ber ada dalam daf t ar kr edit dalam pengawasan khusus. g. Pencapaian t ar get Rencana Ker ja dan Pengawasan Kr edit Ber masalah. PELAKSANAAN KEGIATAN KOMITE SELAMA TAHUN 20 15 Selama t ahun 20 15, Cr edit Policy Commit t ee CPC t elah melaksanakan kegiat an diant ar anya menyelenggar akan r apat , dengan agenda sebagai ber ikut : a Divisi Int er nasional dengan agenda: - Komit e Cr edit Line dan Wewenang Komit e Cr edit Line; - Kewenangan Memut us Tr ansaksi Ant ar Bank; - Kewenangan Memut us Pengambilalihan Dokumen Tr ade Finance and Ser vices Nasabah. b Divisi Kr edit BPR LKM dengan agenda: - Susunan Komite Kr edit Divisi Kr edit BPR Lembaga Keuangan Mikr o; - Limit Kewenangan Memut us Kr edit Divisi Kr edit BPR Lembaga Keuangan Mikr o. c Divisi Kr edit UMKM dengan agenda: - Susunan Komit e Kr edit Divisi Kr edit UMKM; - Limit Kewenangan Memut us Kr edit Divisi Kr edit UMKM. d Divisi Kr edit KPR KKB dengan agenda: - Per set ujuan Uang Muka Minimal Sebesar 10 Khusus Pr oduk bjb KPR-Pr imar y e Divisi Penyelamat an Penyelesaian Kr edit PPK dengan agenda sebagai ber ikut : - Limit dan Kewenangan Hapus Buku Non Klaim; - Limit dan Kewenangan Pember ian Ker inganan Bunga, Denda, dan Biaya lainnya kr edit ef ekt if dan kr edit hapus buku. c. Compliance t o t he pr ovisions of t he legislat ions and ot her r egulat ions on t he pr ovision of cr edit ; d. non-per f or ming loans in accor dance t o t he r ules set f or t h in t he CDE; e. Adher ence t o comply wit h t he pr ovisions on t he adequacy of t he Allowance f or Impair ment Losses CKPN; f . Specif ic debt or s and cr edit s wit hin t he list of cr edit under special super vision. g. Achievement of t he Wor k Plan and Super vision of Non Per f or ming Loans. THE COMMITTEE’S ACTIVITIES IN 20 15 Dur ing 20 15, t he Cr edit Policy Commit t ee CPC car r ied out act ivit ies, such as or ganizing meet ings, wit h t he f ollowing agenda: a The Int er nat ional Division wit h t he agenda: - Cr edit Line Commit t ee and t he Aut hor it ies of t he Cr edit Line Commit t ee; - The Aut hor it y t o Decide Int er bank Tr ansact ions; - The Aut hor it y t o Decide t he Acquisit ion of Document s on Tr ade Finance and Cust omer Ser vices. b Rur al Bank BPR and Micr of inance Inst it ut ion LKM Cr edit Division wit h t he agenda: - The composition of the Rur al Bank and Micr of inance Inst it ut ion Cr edit Commit t ee; - The Limit of Authority of the BPR LKM Credit Division. c Micr o, Small, and Medium Ent r epises UMKM Cr edit Division wit h t he agenda: - The composit ion of t he Cr edit Commit t ee of t he UMKM Cr edit Division; - The limit of aut hor it y of t he UMKM Cr edit Division. d KPR KKB Cr edit Division wit h t he agenda: - Appr oval of Advances wit h t he Minimal of 10 special f or t he bjb-KPR Pr imar y Pr oduct e Division of Cr edit Rescue Set t lement PPK wit h t he f ollowing agenda: - Limit and Aut hor it y on Non Claim Wr it e-Of f ; - Limit and authority to grant reductions on interest, Fines, and other costs for effective credit and credit writte-off. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 516 IT STEERING COMMITTEE IT St eer ing Commit t ee adalah komit e yang dibent uk ber dasar kan Sur at Keput usan Dir eksi No. 280 SK DIR- TI 20 11 t anggal 28 Apr il 20 11 unt uk member ikan r ekomendasi kepada Dewan Komisar is dan Dir eksi dalam kegiat an t er kait Teknologi Inf or masi. Komit e Pengar ah Teknologi Inf or masi t er dir i dar i anggot a Dir eksi dan Par a Pemimpin Divisi t er kait t er dir i dar i: Jabatan Nama Name Position Pengar ah Dir eksi | Boar d of Dir ect or s Super visor Ket ua Dir ekt ur Oper asional | Managing Dir ect or s – Oper at ional Chair man Wakil Ket ua Dir ekt ur Kepat uhan dan Manajemen Risiko | Managing Dir ect or s – Compliance and Risk Management Vice Chair man Sekr et ar is Pemimpin Divisi Teknologi Inf or masi | Head of Inf or mat ion Technology Division Secr et ar y Anggot a Tet ap Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division Per manent Member Pemimpin Divisi Jar ingan, Layanan, Oper asional | Head of Net wor k, Ser vices, Oper at ional Division Pemimpin Divisi Pengendalian Keuangan | Head of Finance and Account ing Division Pemimpin Unit Elect r onic Banking | Head of Elect r onic Banking Unit Anggot a Tidak Tet ap Par a Pemimpin Divisi Lainnya | Head of Ot her s Division Non Per manent Member TUGAS, WEWENANG DAN TANGGUNG JAWAB IT STEERING COMMITTEE Tugas, wewenang dan t anggung jawab Komit e Pengar ah Teknologi Inf or masi sesuai SK No. 280 SK DIR-TI 20 11 t anggal 28 Apr il 20 11 t ent ang Per ubahan Pembent ukan Komit e Pengar ah Teknologi Inf or masi adalah sebagai ber ikut : 1. Rencana st r at egis TI Inf or mat ion Technology St r at egic Plan yang sesuai dengan r encana st r at egis kegiat an usaha bank. Dalam member ikan r ekomendasi, komit e pengar ah t eknologi inf or masi hendaknya memper hat ikan f akt or ef isiensi, ef ekt ivit as ser t a hal-hal sebagai ber ikut : a. Rencana pelaksanaan r oad-map unt uk mencapai kebut uhan Teknologi Inf or masi yang mendukung st r at egi bisnis bank. Road map t er dir i dar i kondisi saat ini cur r ent st at e, kondisi yang ingin dicapai f ut ur e st at e ser t a langkah-langkah yang akan dilakukan unt uk mencapai f ut ur e st at e; b. Sumber daya yang dibut uhkan; c. Keunt ungan manf aat yang akan diper oleh saat r encana dit et apkan. 2. Per umusan kebijakan dan pr osedur Teknologi Inf or masi yang ut ama seper t i kebijakan pengamanan Teknologi Inf or masi dan manajemen r isiko t er kait penggunaan Teknologi Inf or masi di Bank. IT STEERING COMMITTEE The IT St eer ing Commit t ee is a commit t ee est ablished based on t he Decr ee of t he Boar d of Dir ect or s No. 280 SK DIR-IT 20 11 dat ed 28 Apr il 20 11 t o pr ovide r ecommendat ions t o t he Boar d of Commissioner s and Boar d of Dir ect or s in act ivit ies r elat ed t o Inf or mat ion Technology. The Inf ormation Technology Steering Committee is composed of members of the Board of Directors and Head of Divisions which consist of : DUTIES, AUTHORITIES AND RESPONSIBILITIES OF THE IT STEERING COMMITTEE The dut ies, aut hor it ies and r esponsibilit ies of t he IT St eer ing Commit t ee based on SK No. 280 SK DIR-TI 20 11 dat ed Apr il 28, 20 11 on t he Amendment s on t he Est ablishment of t he IT St eer ing Commit t ee ar e: 1. Inf or mat ion Technology St r at egic Plan, which is aligned wit h t he Bank’s st r at egic plan f or it s’ business act ivit ies. In pr oviding r ecommendat ions, t he IT St eer ing Commit t ee should t ake int o account t he f act or of ef f iciency and ef f ect iveness, as well as t he f ollowing mat t er s: a. Implement at ion plan r oad-map t o r each t he IT needs t hat suppor t t he Bank’s business st r at egy. The r oad map consist s of t he cur r ent st at e, condit ions t o be achieved f ut ur e st at e as well as measur es adopt ed t o achieve t he f ut ur e st at e; b. Necessar y r esour ces; c. Advant ages benef it s t hat will be obt ained when plans ar e applied. 2. For mulat ion of major IT policies and pr ocedur es such as t he f easibilit y of IT secur it y and r isk management in r elat ion t o t he use of IT in t he Bank. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 517 3. Kesesuaian pr oyek-pr oyek Teknologi Inf or masi yang diset ujui dengan r encana st r at egis Teknologi Inf or masi, komit e pengar ah t eknologi inf or masi juga menet apkan st at us pr ior it as pr oyek Teknologi Inf or masi yang ber sif at kr it ikal ber dampak signif ikan t er hadap kegiat an oper asional bank misalnya penggant ian cor e banking applicat ion, ser ver pr oduct ion dan t opologi jar ingan. 4. Kesesuaian pelaksanaan pr oyek-pr oyek Teknologi Inf or masi dengan r encana pr oyek pr oject char t er yang disepakat i dalam ser vice level agr eement . Komit e pengar ah t eknologi inf or masi hendaknya melengkapi r ekomendasi dengan hasil analisis dar i pr oyek-pr oyek t eknologi inf or masi yang ut ama sehingga memungkinkan Dir eksi mengambil keput usan secar a ef isien. 5. Kesesuaian Teknologi Inf or masi dengan kebut uhan sist em inf or masi manajemen yang mendukung pengelolaan kegiat an usaha bank. 6. Pemant auan at as kiner ja Teknologi Inf or masi, dan upaya peningkat annya misalnya dengan mendet eksi keusangan Teknologi Inf or masi dan mengukur ef ekt ivit as dan ef isiensi pener apan kebijakan pengamanan Teknologi Inf or masi. 7. Upaya penyelesaian ber bagai masalah t er kait Teknologi Inf or masi yang t idak dapat diselesaikan oleh sat uan ker ja pengguna dan sat uan ker ja penyelenggar a. Komit e pengar ah Teknologi Inf or masi dapat memf asilit asi hubungan ant ar a kedua sat uan ker ja t er sebut . 8. Kecukupan dan alokasi sumber daya yang dimiliki bank. Apabila sumber daya yang dimiliki t idak memadai dan bank akan menggunakan jasa pihak lain dalam penyelenggar aan Teknologi Inf or masi maka komit e pengar ah Teknologi Inf or masi har us memast ikan bank t elah memiliki kebijakan dan pr osedur t er kait . 9. Wewenang dan t anggung jawab pengur us dan anggot a komit e pengar ah Teknologi Inf or masi diat as t et ap memper t imbangkan wewenang dan t anggung jawab yang melekat pada jabat annya misal independensi. 3. Suit abilit y of IT pr oject s which ar e appr oved by t he IT St r at egic Plan. The commit t ee also set t he pr ior it y st at us t o t he cr it ical inf or mat ion t echnology pr oject s have signif icant af f ect s t o t he oper at ions of t he Bank, such as cor e banking applicat ion change, ser ver pr oduct ion, and net wor k t opology. 4. Suit abilit y of t he implement at ion of IT pr oject s wit h t he pr oject plan pr oject char t er as agr eed in t he ser vice level agr eement . The commit t ee shall complement t he r ecommendat ions wit h t he analysis r esult s of t he main IT pr oject s, allowing t he Boar d of Dir ect or s t o t ake decisions ef f icient ly. 5. Suit abilit y of IT t o t he needs of management inf or mat ion syst ems t hat suppor t t he management of t he Bank’s business act ivit ies. 6. Monit or ing t he per f or mance of Inf or mat ion Technology, and t he impr ovement measur es, f or example by det ect ing t he obsolescence of Inf or mat ion Technology and measur e t he ef f ect iveness and ef f iciency of t he applicat ion of inf or mat ion t echnology secur it y policy. 7. Resolve var ious IT r elat ed issues t hat can not be r esolved by t he user wor k unit s and pr ovider wor k unit s. The Commit t ee may f acilit at e t he r elat ionship bet ween t he wor k unit s. 8. Adequacy and allocat ion of r esour ces held by t he Bank. If t he r esour ces is inadequat e and t he Bank will use t he ser vices of ot her par t ies in t he implement at ion of IT, t hen t he Commit t ee shall ensur e t hat t he Bank has t he r elat ed policies and pr ocedur es. 9. The aut hor it ies and r esponsibilit ies of t he maagement and member s of t he IT St eer ing Commit t ee t ake int o account t he aut hor it ies and r esponsibilit ies inher ent wit hin t heir posit ion f or example independence. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 518 Sekret aris Perusahaan Co rp o rat e Secret ary HAKIM PUTRATAMA Per ser oan t elah memiliki Divisi Sekr et ar is Per usahaan Cor por at e Secr et ar y, sebagaimana disyar at kan dalam Per at ur an Bapepam-LK IX.I.4 per ihal pembent ukan Sekr et ar is Per usahaan dan ber dasar kan Sur at Keput usan Dir eksi bank bjb No. 0 0 46 SK DIR-SDM 20 15 t anggal 26 Mei 20 15 diput uskan bahwa Bapak Hakim Put r at ama sebagai Pemimpin Divisi Cor por at e Secr et ar y Per ser oan. Riwayat hidup Sekr et ar is Per usahaan Per ser oan adalah sebagai ber ikut : Nama : Hakim Put r at ama Jabat an : Pemimpin Divisi Cor por at e Secr et ar y Kar ir di Per ser oan : Beker ja di Per ser oan 26 Mei 20 15 Pendidikan : S2 Ast on Univer sit y, 20 0 1 Dasar Hukum Penunjukkan : No. 0 0 46 SK DIR-SDM 20 15 t anggal 26 Mei 20 15 Pelat ihan Ser t if kasi : Execut ive Induct ion Pr ogr am, 20 15 bank bjb’s Cor por at e Secr et ar y is appoint ed as r equir ed in t he Regulat ion Bapepam-LK IX.I.4 concer ning t he est ablishment of t he Cor por at e Secr et ar y and pur suant t o bank bjb Dir ect or s Decr ee No. 0 0 46 SK DIR-SDM 20 15 dat ed May 26, 20 15, it was decided t hat t he Mr . Hakim Put r at ama ser ves as t he Bank’s Cor por at e Secr et ar y. The Biogr aphy of t he Cor por at e Secr et ar y of t he Company is as f ollows: Name : Hakim Put r at ama Posit ion : Head of t he Cor por at e Secr et ar y Division Car eer in t he Company : Wor ked at t he Company as of May 26, 20 15 Educat ion : Masters Degree f rom Aston Univer sit y, 20 0 1 Legal Basis of Appoint ment : No. 0 0 46 SK DIR-SDM 20 15 dat ed May 26, 20 15 Tr aining Cer t if icat ion : Execut ive Induct ion Pr ogr am, 20 15 St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 519 Sekr et ar is Per usahaan ber t anggung jawab t er hadap komunikasi t ent ang inf or masi mat er ial Bank secar a t epat wakt u dan akur at kepada selur uh pemangku kepent ingan. Pengumuman mengenai kondisi dan kiner ja Per ser oan t elah sesuai dengan per at ur an dan ket ent uan ser t a Anggar an Dasar Per ser oan. Sejalan dengan pr insip ket er bukaan dan ket ent uan Bank Indonesia mengenai kewajiban pengungkapan inf or masi Bank, Sekr et ar is Per usahaan juga ber t anggung jawab at as komunikasi dan penyampaian inf or masi yang pent ing mengenai Bank kepada Ot or it as Per bankan, Monet er dan Pasar Modal, Pemegang Saham ser t a masyar akat umum sepanjang t ahun 20 15. Sekr et ar is Per usahaan ber t ugas membant u Dir eksi t er kait dengan akunt abilit as dan t anggung jawab Dir eksi at as per masalahan-per masalahan yang ber kait an dengan good cor por at e gover nance ser t a kegiat an sosial. Periode Jabatan Sekretaris Perusahaan Jabat an Sekr et ar is Per ser oan diangkat ber dasar kan Sur at Keput usan Dir eksi Nomor 0 464 sk dir -sdm 20 15 t anggal 26 Mei 20 15. Hingga saat ini bat asan t ugas Sekr et ar is Per usahaan belum dit ent ukan. Bidang t ugas Sekr et ar is Per usahaan ant ar a lain adalah: 1. Mengikut i per kembangan Pasar Modal, khususnya per at ur an-per at ur an yang ber laku di bidang Pasar Modal. 2. Member ikan pelayanan at as set iap inf or masi yang dibut uhkan pemodal yang ber kait an dengan kondisi Bank. 3. Member ikan masukan kepada Dir eksi unt uk memat uhi ket ent uan Undang-Undang Nomor 8 t ahun 1995 t ent ang Pasar Modal dan per at ur an pelaksanaannya. 4. Sebagai penghubung ant ar a Per ser oan dengan Bapepam-LK dan masyar akat . Pelaksanaan Tugas Sekretaris Perusahaan Sepanjang t ahun 20 15, Sekr et ar is Per usahaan Per ser oan t elah melaksanakan kegiat an-kegiat an sebagai ber ikut : 1. Memper siapkan r apat Dewan Komisar is dan Dir eksi, mencat at hasil r apat dan mendist r ibusikannya kepada pihak-pihak yang ber kepent ingan. 2. Mengir imkan pember it ahuan dan memper siapkan segala sesuat u t er kait dengan penyelenggar aan Rapat Umum Pemegang Saham dan mempublikasikan hasil keput usan r apat . Cor por at e Secr et ar y is r esponsible f or t he communicat ion of inf or mat ion mat er ial about Bank in a t imely and accur at e manner t o all st akeholder s. The announcement about t he condit ion and per f or mance of t he Company is in accor dance wit h t he r ules and r egulat ions as well as t he Ar t icles of Associat ions of t he Company. In line wit h pr inciples of openness and Bank Indonesia pr ovisions concer ning Bank disclosur e obligat ions, Cor por at e Secr et ar y also r esponsible f or communicat ion and deliver y of impor t ant inf or mat ion r egar ding t he Bank t o t he Banking Aut hor it y, Monet ar y and Capit al Mar ket s, shar eholder s and t he gener al public t hr oughout t he year 20 15. Cor por at e Secr et ar y assist s t he Boar d of Dir ect or s in r elat ions t o t he account abilit y and r esponsibilit ies of t he Boar d of Dir ect or s on issues r elat ing t o good cor por at e gover nance and social act ivit ies. The Corporate Secretary’s f ield of work consist of : Per iod and Posit ion of Company Secr et ar y The posit ion of Secr et ar y of t he Company appoint ed by t he Boar d of Dir ect or s based on t he Decr ee No. 0 464 sk dir - sdm 20 15 dat ed May 26 20 15. Up unt il now t he limit at ions on t he Company Secr et ar y’s dut ies have not been det er mined. Tasks include t he Cor por at e Secr et ar y: 1. Follow t he development of t he Capit al Mar ket , especially t he r ules t hat apply in t he Capit al Mar ket . 2. Pr ovide ser vices f or any inf or mat ion needed by invest or s r elat ing t o t he condit ion of t he Bank. 3. Advise t he Boar d of Dir ect or s t o comply wit h t he pr ovisions of Law No. 8 of 1995 concer ning Capit al Mar ket and it s implement ing r egulat ions. 4. As a liaison bet ween t he Company and Bapepam-LK and t he communit y. Duties Company Secretary Thr oughout 20 15, t he Cor por at e Secr et ar y of t he Company has been car r ying out act ivit ies as f ollows: 1. Pr epar ing f or t he Boar d of Commissioner s and Dir ect or s meet ing, not ing t he r esult s of t he meet ing and dist r ibut e it t o t he par t ies concer ned. 2. Send not ices and pr epar e f or ever y mat t er t hat is r elat ed t o t he implement at ion of t he Gener al Meet ing of Shar eholder s and publish t he r esult s of t he meet ing’s decision. Tat a Kelola Per usahaan Cor por at e Gover nance bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 520 3. Menjaga hubungan baik dengan Ot or it as Pasar Modal dan memper siapkan lapor an-lapor an mengenai pengungkapan ket er bukaan inf or masi Per ser oan sesuai dengan ket ent uan yang ber laku. 4. Melakukan koor dinasi dan administ r asi pencat at an kepemilikan saham dan t indakan kor por asi. 5. Mengkoor dinasikan kegiat an public r elat ions dan mar ket ing communicat ions unt uk Per ser oan. 6. Mengelola dan melakukan kegiat an pr omosi pr oduk dan jasa bank, t er masuk pembuat an Buku Lapor an Tahunan. 7. Mengelola hubungan kelembagaan count er par t y. 8. Mengkoor dinasikan dan memant au t indak lanjut at as pengaduan nasabah. 9. Melaksanakan pembinaan cabang dalam bidang kehumasan, pengaduan nasabah, dan kesekr et ar iat an. 10 . Melaksanakan pr ogr am CSR Cor por at e Social Responsibilit y sebagai wujud kepedulian dan kont r ibusi Per ser oan t er hadap peningkat kan kualit as hidup masyar akat sekit ar . 11. Melaksanakan pr insip kehat i-hat ian dan kepat ut an t er hadap per at ur an Bank Indonesia, per at ur an per undang-undangan, ser t a per at ur an int er n bank lainnya yang ber laku. 12. Melaksanakan pr ogr am edukasi per bankan unt uk masyar akat umum. Struktur Organisasi Divisi Sekretaris Perusahaan Cor por at e Secr et ar y Division Or ganizat ion St r uct ur e GRUP HUBUNGAN MASYARAKAT PUBLIC RELATION Jadi Kusmaryadi PEMIMPIN GRUP GROUP HEAD • Manager • Staf f • Secretary • Manager • Of f icer • Staf f • Manager • Of f icer • Staf f • Of f icer • Staf f • Of f icer • Staf f • Of f icer • Staf f GRUP KESEKRETARIATAN DIREKSI BOD SECRETARY Widi Hartoto PEMIMPIN GRUP GROUP HEAD GROUP KOMUNIKASI PEMASARAN MARKETING COMMUNICATION Susie M. Permatasari PEMIMPIN GRUP GROUP HEAD GROUP CORPORATE SOCIAL RESPONSIBILITY CSR CORPORATE SOCIAL RESPONSIBILITY CSR Saif ul Rizal PEMIMPIN GRUP GROUP HEAD GROUP KESEKRETARIATAN EXECUTIVE DEWAN KOMISARIS BOC EXECUTIVE SECRETARY Irwan Riswandi PEMIMPIN GRUP GROUP HEAD GRUP HUBUNGAN INVESTOR INVESTOR RELATION

M. As’adi Budiman

PEMIMPIN GRUP GROUP HEAD DIREKTUR UTAMA Pr esident Dir ect or Ahmad Irf an DIVISI SEKRETARIS PERUSAHAAN PEMIMPIN DIVISI Division of Cor por at e Secr et ar y Head Divison Hakim Putratama 3. Maint aining good r elat ions wit h t he Capit al Mar ket aut hor it y and pr epar e r epor t s on t he Company’s inf or mat ion disclosur e in accor dance wit h t he applicable r egulat ions. 4. Coor dinat ion and administ r at ion of r egist r at ion of owner ship of shar es and cor por at e act ions. 5. Coor dinat e public r elat ions act ivit ies and mar ket ing communicat ions f or t he Company. 6. Manage and conduct pr omot ional act ivit ies of pr oduct s and ser vices of t he bank, including t he pr epar at ion of t he Annual Repor t s Book. 7. Managing inst it ut ional r elat ions count er par t y. 8. Coor dinat e and monit or t he f ollow-up on cust omer complaint s. 9. Pr ovide guidance t o t he br anches in t he f ield of public r elat ions, cust omer complaint s, and secr et ar ial. 10 . Implement t he CSR Cor por at e Social Responsibilit y pr ogr am as a f or m of t he Company’s awar eness and cont r ibut e t o t he impr ovement of t he qualit y of lif e of t he sur r ounding communit y. 11. Implement t he pr inciple of pr udence and pr opr iet y of t he Bank Indonesia r egulat ions, laws and r egulat ions, as well as ot her bank’s int er nal r egulat ions in f or ce. 12. Implement educat ional pr ogr ams on banking f or t he gener al public. St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t 521 Program Pelatihan Peningkatan Kompetensi Sekretaris Perusahaan Tahun 20 15 Compet ence Enhancement Tr aining Pr ogr am f or Cor por at e Secr et ar y in 20 15 Nama Name Program Pelatihan Training Program Lokasi Location Tanggal Mulai Start Date Tanggal Selesai Finish Date Hakim Put r at ama Execut ive Induct ion Pr ogr am, 20 15 Bandung 9 Juni 20 15 13 Juni 20 15 Korespondensi dengan Otoritas Pasar Modal Ber ikut adalah daf t ar lapor an yang disampaikan kepada r egulat or maupun Self Regulat or y Or ganizat ion SRO selama t ahun 20 15: No No. Surat Let t er Number Perihal Subject Tanggal Terkirim Date Sent BEI 1 0 0 0 3a CS-IR 20 15 Lapor an Bulanan Regist r asi Pemegang Ef ek KOREKSI Mont hly Regist er of Secur it ies Holder s CORRECTION 6 1 20 15 14:46 2 0 0 0 3b CS-IR 20 15 Lapor an Bulanan Regist r asi Pemegang Ef ek KOREKSI Mont hly Regist er of Secur it ies Holder s CORRECTION 8 1 20 15 7:38 3 0 18 DIR-CS 20 15 Ket er bukaan Inf or masi yang Per lu Diket ahui Publik Lapor an Penggunaan Dana Hasil Penawar an Umum Disclosur e of Inf or mat ion That Should be Known by t he Public - Repor t of Use of Pr oceeds f r om Public Of f er ing 15-0 1-20 15 0 7:19:23 4 41 CS-IR 20 15 Ket er bukaan Inf or masi yang Per lu Diket ahui Publik Lapor an Per usahaan Ter cat at Dalam Sat u Gr up Per usahaan Disclosur e of Inf or mat ion That Should be Known by t he Public - Repor t of List ed Companies in t he Same Gr oup of Company 16-0 1-20 15 14:41:36 5 0 162 CS-IR 20 15 Lapor an Bulanan Regist r asi Pemegang Ef ek Mont hly Regist er of Secur it ies Holder s 5 2 20 15 13:19 6 0 163 CS-IR 20 15 Ket er bukaan Inf or masi Pemegang Saham Ter t ent u Disclosur e of Inf or mat ion of Cer t ain Shar eholder s 5 2 20 15 13:44 7 0 60 DIR-CS 20 15 Pember it ahuan Rencana Rapat Umum Pemegang Saham Tahunan dan Luar Biasa Not if icat ion of Plan f or Annual Ext r a Or dinar y Gener al Meet ing of Shar eholder s 20 -0 2-20 15 0 9:11:49 8 0 60 a DIR-CS 20 15 Penyampaian Bukt i Iklan Pember it ahuan RUPS Submission of Pr oof of Adver t isement of GMS Not if icat ion 20 -0 2-20 15 0 9:13:0 2 9 0 364 CS-IR 20 15 Lapor an Bulanan Regist r asi Pemegang Ef ek Mont hly Regist er of Secur it ies Holder s 6 3 20 15 18:45 10 127a DIR-CS 20 15 Panggilan Rapat Umum Pemegang Saham Tahunan Summon t o t he Annual Gener al Meet ing of Shar eholder s 9 3 20 15 11:45 11 127 DIR-CS 20 15 Penyampaian Bukt i Iklan Panggilan RUPS Submission of Pr oof of Adver t isement of Summon t o GMS 9 3 20 15 11:48 12 129 DIR-CS 20 15 Penyampaian Bukt i Iklan Inf or masi Lapor an Keuangan Tahunan Submission of Pr oof of Adver t isement of Annual Financial St at ement Repor t 9 3 20 15 11:49 13 128 DIR-CS 20 15 Penyampaian lapor an t ahunan Submission of Annual Repor t 9 3 20 15 11:51 14 129a DIR-CS 20 15 Penyampaian Lapor an Keuangan Tahunan Submission of Annual Financial St at ement s 9 3 20 15 11:53 15 196 DIR-CS 20 15 Ket er bukaan Inf or masi yang Per lu Diket ahui Publik Pengundur an Dir i Komisar is Ut ama bank bjb Disclosur e of Inf or mat ion That Should be Known by t he Public - Resignat ion of t he Pr esident Commissioner of bank bjb 18-0 3-20 15 22:43:26 16 238a DIR-CS 20 15 Jadwal Dividen Tunai Schedule of Cash Divident 1 4 20 15 13:36 17 238 DIR-CS 20 15 Hasil Rapat Umum Par a Pemegang Saham Tahunan Resolut ions of Gener al Meet ing of Shar eholder s 1 4 20 15 16:35 18 239a DIR-CS 20 15 Penyampaian Bukt i Iklan Jadwal Pembagian Dividen t unai f inal Submission of Pr oof of Adver t isement of Schedule of Cash Divident Dist r ibut ion 2 4 20 15 10 :33 19 239 DIR-CS 20 15 Penyampaian Bukt i Iklan Hasil RUPS Submission of Pr oof of Adver t isement of Resolut ions of GMS 2 4 20 15 10 :34 20 248 DIR-CS 20 15 Ket er bukaan Inf or masi yang Per lu Diket ahui Publik Lapor an Penggunaan Dana Hasil Penawar an Umum Disclosur e of Inf or mat ion That Should be Known by t he Public - Repor t of Use of Pr oceeds f r om Public Of f er ing 8 4 20 15 14:52 21 599 CS-IR 20 15 Lapor an Bulanan Regist r asi Pemegang Ef ek Mont hly Regist er of Secur it ies Holder s 8 4 20 15 14:55 22 270 DIR-CS 20 15 Penyampaian Bukt i Iklan Pember it ahuan RUPS Submission of Pr oof of Adver t isement of Not if icat ion of GMS 22-0 4-20 15 0 9:24:0 6 23 277 DIR-CS 20 15 Penyampaian Bukt i Iklan Inf or masi Lapor an Keuangan Int er im Submission of Pr oof of Adver t isement of Int er im Financial St at ement s 28-0 4-20 15 0 9:37:0 6 24 277a DIR-CS 20 15 Penyampaian Lapor an Keuangan Int er im Submission of Int er im Financial St at ement s 28-0 4-20 15 0 9:37:44 25 270 a DIR-CS 20 15 Pember it ahuan Rencana Rapat Umum Pemegang Saham Luar Biasa Not if icat ion of Plan f or EO GMS 6 5 20 15 17:21 26 325 DIR-CS 20 15 Panggilan Rapat Umum Pemegang Saham Luar Biasa Summon t o t he EO Gener al Meet ing of Shar eholder s 7 5 20 15 8:30 Correspondence with the Capital Market Authority The f ollowing is a list of r epor t s submit t ed t o r egulat or s as well as Self Regulat or y Or ganizat ion SRO f or t he year 20 15: