struktur, komposisi, dan Independensi direksi
Direksi dipimpin oleh Direktur Utama yang berasal dari pihak yang independen terhadap pemegang saham pengendali.
Anggota Direksi berjumlah 6 enam orang dan seluruhnya berdomisili di Indonesia.
Masing-masing anggota Direksi tidak memiliki hubungan keluarga sampai dengan derajat kedua dengan anggota
Direksi lainnya maupun anggota Dewan Komisaris. Selain itu, seluruh anggota Direksi baik secara individu maupun kolektif
tidak memiliki saham Bank Artha Graha Internasional maupun perusahaan lain yang melebihi 5 dari modal disetor.
Nama Name
Jabatan Title
Berlaku efektif sejak Effective as of
Berakhir pada Concluded on
Domisili Domicile
Persetujuan Bank Indonesia
Approval from Bank Indonesia
RUPS AGMS
Andy Kasih Direktur Utama
President Director 9 Desember 2008
9 December 2008 2011
RUPS 2011 AGMS 2011
Indonesia B. Wisnu Tjandra
Wakil Direktur Utama Vice
President Director 15 Juni 2005
15 June 2005 2011
RUPS 2011 AGMS 2011
Indonesia Henny A. Nangoi
Wakil Direktur Utama Vice
President Director 15 Juni 2005
15 June 2005 2011
RUPS 2011 AGMS 2011
Indonesia Alex Susanto
Direktur Director
15 Juni 2005 15 June 2005
2011 RUPS 2011
AGMS 2011 Indonesia
R. Rudy Tjandra Direktur
Director 19 September 2008
19 September 2008 2011
RUPS 2011 AGMS 2011
Indonesia Witadinata Sumantri
Direktur Kepatuhan Compliance
Director 24 Juli 2009
24 July 2009 2011
RUPS 2011 AGMS 2011
Indonesia
Tugas dan Tanggung jawab serta kewenangan direksi
Direksi merupakan organ Perseroan yang berwenang dan bertanggungjawab penuh atas pengurusan Perseroan untuk
kepentingan perseroan, sesuai dengan maksud dan tujuan perseroan serta mewakili perseroan, baik didalam maupun
diluar pengadilan sesuai dengan anggaran dasar.
Penilaian kemampuan dan kepatutan
Seluruh anggota Direksi Bank Artha Graha Internasional memiliki integritas keuangan yang tinggi, kompetensi, reputasi
dan pengalaman, serta berbagai keahlian, dan semuanya telah lulus uji kemampuan dan kepatutan Bank Indonesia.
Direksi
Board of directors
Structure, Composition and Independency of the Board of Directors
The Board of Directors is led by President Director originated from the party that is independent against the controlling shareholder.
The Board of Directors consists of six 6 members and all of them are domiciled in Indonesia.
Each member of the Board of Directors has no family relation until the second degree with the other members of the Board
of Directors or the Board of Commissioners. Other than that, all members of the Board of Directors, both individual or collective,
do not hold the shares of Bank Artha Graha Internasional or any other companies exceeding 5 from paid-up capital.
Task, Responsibility and Authority of the Board of Directors
The Board of Directors is an organ of the Company that is authorized and fully responsible for the management of the company for the
company’s beneit, in accordance with the purpose and objective of the company and representing the Company, both inside and
outside the court pursuant to the articles of association.
Fit and Proper Test
All members of the Board of Directors of Bank Artha Graha Internasional possess high inancial integrity, competency,
reputation and experience, as well as various expertise, and all have passed the it and proper test of Bank Indonesia.
Growing Together in Harmony
Tugas masing-masing Anggota direksi
Andy kasih – direktur utama Tugas utama: Menetapkan strategi jangka panjang Perseroan
serta strategi pemasaran dan pengembangan produkjasa sesuai tuntutan dan kebutuhan pasar untuk semua segmentasi bisnis.
Selain itu memberikan arahan dan petunjuk atas kebijakan bidang pendukung operasional dan layanan perbankan, teknologi
informasi, sistem dan prosedur, aspek hukum, aspek inansial dan sumber daya manusia serta menjamin pelaksanaan fungsi
kepatuhan pada seluruh operasional perbankan agar Perseroan memiliki standar etika tinggi, mematuhi prinsip tata kelola
perusahaan yang baik dan praktik prudential banking.
B. wisnu Tjandra – wakil direktur utama Tugas utama: Bersama-sama Direktur Utama menetapkan
strategi jangka panjang Perseroan dan membantu pelaksanaan tugas Direktur Utama dalam merumuskan strategi dibidang
pemasaran dan pengembangan produk dan jasa serta mewujudkan proses bisnis perbankan yang eisien dengan
peran koordinasi kegiatan operasional dan teknologi informasi. Memberikan arahan dalam pengembangan produk dan jasa
yang kompetitif sesuai tuntutan pasar dengan memanfaatkan perkembangan teknologi informasi.
henny A. nangoi – wakil direktur utama Tugas utama: Bersama-sama Direktur Utama menetapkan strategi
jangka panjang Perseroan dan membantu pelaksanaan tugas Direktur Utama dalam mengkoordinasikan Direktorat Kredit guna
mencapai pertumbuhan bisnis dengan tetap memperhatikan aspek kehati-hatian. Menentukan arah dan strategi yang tepat atas target
funding
dan lending serta pengembangan cross selling dalam segmen korporasi dan bisnis. Mengembangkan strategi sumber
daya manusia dalam upaya mendukung pencapaian sasaran kerja Perseroan. Menetapkan kebijakan sumber daya manusia sesuai
dengan regulasi ketenagakerjaan dan memastikan perlakuan perusahaan yang setara berbasis kinerja bagi Perseroan. Menyusun
langkah-langkah dalam mengoptimalkan potensi sumber daya manusia dan mencapai tingkat produktivitas yang diharapkan.
Alex susanto – direktur Tugas utama: Mengkoordinir dan memantau pelaksanaan kegiatan
secara menyeluruh khususnya terkait kegiatan operasi dan teknologi informasi sejalan dengan perencanaan strategis yang didukung oleh
sisi teknologi informasi, sistem maupun proses kerja operasional transaksi cabang untuk menjamin pengelolaan transaksi operasional
Task and Responsibility of the Respective Member of the Board of Directors
Andy Kasih – President Director
Main Task: To determine the long term strategy of the Company, marketing strategy and productservice development according to
market demand and requirements for all business segmentation. In addition, giving direction and guidance for the policy on operational
supports and banking services, information technology, system and procedure, legal aspect, inancial aspect and human resources, as
well as securing the implementation of compliance function in all banking operations in order for the Company to have high ethical
standard, in compliance with the good corporate governance principle and prudential banking practices.
B. Wisnu Tjandra – Vice President Director
Main Task: Together with the President Director, to determine the Company’s long term strategy and assist the implementation of
President Director’s task in formulating the strategy in marketing and product and service development, as well as realizing an
eficient process of banking business with the role of coordinating the activities of operations and information technology. To develop
the direction for competitive product and service development in accordance with market demand by taking beneit of the
information technology development.
Henny A. Nangoi –Vice President Director
Main Task: Together with the President Director, to determine the Company’s long term strategy and assist the implementation of
President Director’s task in coordinating Credit Directorate in order to achieve the business growth yet remaining in observance of
prudential aspect. To determine the correct direction and strategy for funding and lending targets as well as the development of
cross selling in corporate and business segmentation. To develop human resources strategy in the effort to support the achievement
of the Company’s work target. To determine human resources policy pursuant to manpower regulation and to ensure equal
company treatment based on performance for the Company. To prepare the measures in order to optimize the potential of human
resources and to achieve the expected productivity level.
Alex Susanto – Director
Main Task: To coordinate and to observe the overall implementation of activities related to particularly operations and information
technology to be in line with strategic planning as supported by information technology as well as operational processes of
branches’ transactions in order to have banking operational
perbankan dengan baik, sesuai standar mutu, memiliki aplikabilitas, reliabilitas yang dapat diandalkan serta menjamin kelancaran
komunikasi dari pihak pengguna sesuai kebutuhan.
r. rudy Tjandra – direktur Tugas utama: Mengkoordinir penyusunan strategi dan
memastikan pertumbuhan pemberian kredit berjalan efektif dan sesuai dengan prinsip kehati-hatian prudent, sehingga tingkat
Non Performing Loan
NPL dapat selalu terjaga dibawah batas yang ditentukan Bank Indonesia.
witadinata sumantri – direktur Tugas utama: Memberikan arahan dan menetapkan kebijakan terkait
dengan pelaksanaan tata kelola perusahaan serta memastikan seluruh regulasi kebijakan, sistem, prosedur intern Perseroan
sejalan dengan peraturan dan ketentuan terkait yang diterbitkan oleh Bank Indonesia dan lembaga atau otoritas keuangan lainnya.
Pelatihan Anggota direksi
Dalam rangka meningkatkan kompetensi, anggota Direksi mengikuti berbagai program pelatihan, konferensi, seminar,
danatau workshop, baik yang diadakan secara internal maupun diselenggarakan oleh pihak independen.
Tanggal Date materi Subject Penyelenggara Organizer
Peserta Participant
Februari February
9 Tugas dan Fungsi PPATK
Task and Function of PPATK Law Firm Zoelva Partners
Andy Kasih Alex Susanto
Witadinata Sumantri Maret
March 9
Menyongsong Private Credit Bureau di Indonesia Responding to Private Credit Bureau in Indonesia
BSMR Henny A. Nangoi
24-25 FKDKP Angkatan I Tahun 2011
FKDKP Generation I Year 2011 Forum Komunikasi Direktur Kepatuhan
Perbankan Communication Forum of Banking
Compliance Directors FKDKP Witadinata Sumantri
April April
7-8 Risk Culture Risk Awareness, PSAK 50 55 R2006
Portfolio Management RMDC BSMR
Henny A. Nangoi 27
Photography Mix Lighting Tirto Andayanto
Henny A. Nangoi Alex Susanto
Juli July
21 Workshop Otak Unggul
Excellent Brain Workshop Djohan Yoga
Henny A. Nangoi September
September 21-22
Establishing Industry Benchmark in Fraud Prevention and AMLCFT Compliance
Establishing Industry Benchmark in Fraud Prevention and AMLCFT Compliance
BARa Risk Forum Witadinata Sumantri
22 Speed Reading Super Great Memory
Djohan Yoga Henny A. Nangoi
Oktober October
3 Gap Analysis PSAK IFRS
CPE Indonesia Continuing Professional Education
Witadinata Sumantri Desember
December 12
Gambaran Ekonomi Tahun 2012 dan Mitigasi Dampak Krisis Global
Economic Illustration of 2012 and Mitigation of Impact of Global Crisis
Forum Komunikasi Direktur Kepatuhan Perbankan
Communication Forum of Banking Compliance Directors FKDKP
Witadinata Sumantri
transactions well secured well, according to standard quality with consistent applicability and reliability, and to guarantee the
smooth communication with users as required.
R. Rudy Tjandra – Director
Main Task: To coordinate the strategy and to ensure effective growth of credit rendered in conformity with prudential principle,
so that the level of Non Performing Loan NPL is always maintained below the limit determined by Bank Indonesia.
Witadinata Sumantri – Director
Main Task: To provide direction and determine the policy related to the implementation of corporate governance and to ensure that
all internal regulations policy, system, procedure of the Company are in line with the related regulations and provisions issued by
Bank Indonesia and other inancial institutions or authorities.
Training for Members of the Board of Directors
In order to improve their competency, members of the Board of Directors follow various training programs, conference, seminar
andor workshop, both arranged internally or organized by independent party.
Growing Together in Harmony
Pedoman dan Tata Tertib kerja direksi
Direksi telah memiliki Pedoman dan Tata Tertib Kerja yang diatur dalam Pedoman Kebijakan Perusahaan Nomor 0007.01.1
tanggal 20 Januari 2010. Pedoman dan Tata Tertib Kerja Direksi mengatur etika kerja, waktu kerja, serta pelaksanaan rapat.
Segala keputusan yang diambil sesuai dengan Pedoman dan Tata Tertib Kerja mengikat dan menjadi tanggung jawab seluruh
anggota Direksi. Pedoman dan Tata Tertib Kerja Direksi disusun berdasarkan peraturan yang berlaku khususnya peraturan
mengenai Good Corporate Governance, dan akan ditinjau ulang secara berkala.
komite yang bertanggung jawab kepada direksi
Direksi dibantu oleh Komite yang bertugas memberi saran dan rekomendasi terkait dengan kebijakan dan pengelolaan
Bank. Komposisi keanggotaan komite disusun sesuai dengan kompleksitas tugas dan tanggung jawab komite. Rekomendasi
dari masing-masing komite dijadikan acuan oleh Direksi dalam mengambil keputusan. Komite-komite tersebut adalah:
1. Komite Kredit 2. Komite Aset-Kewajiban ALCO
3. Komite Manajemen Risiko 4. Komite Pengarah Teknologi Informasi
1. komite kredit
Komite Kredit dibentuk untuk membantu Direksi dalam menetapkan arah kebijakan perkreditan Bank Artha Graha
Internasional sekaligus mengevaluasi danatau memberikan keputusan kredit sesuai dengan batas wewenang yang
ditetapkan Direksi dengan memperhatikan pengembangan bisnis tanpa meninggalkan prinsip kehati-hatian.
2. komite Aset-kewajiban AlCo
Komite Aset-Kewajiban berfungsi antara lain untuk menetapkan
kebijakan dan
strategi pengelolaan
likuiditas untuk memenuhi kebutuhan likuiditas Bank dan meminimalisasi idle funds. Komite Aset-Kewajiban
menetapkan kebijakan dan strategi yang berkaitan dengan risiko pasar, strategi harga, strategi dalam pengelolaan
portofolio investasi, dan strategi penataan struktur neraca melalui antisipasi perubahan suku bunga, sehingga dapat
dicapai tingkat net interest margin yang optimum.
Guidelines and Work Procedure of the Board of Directors
The Board of Directors has the Guidelines and Work Procedure speciied in the Guidelines of Company Policy No. 0007.01.1
dated 20 January 2010. The Guidelines and Work Procedure of the Board of Directors provide for work ethics, work hours, and
meeting arrangement. Any decision taken pursuant the Guidelines and Work Procedure is binding and for the responsibility of all
members of the Board of Directors. The Guidelines and Work Procedure are prepared under the effective regulation, particularly
the regulation on Good Corporate Governance, and reviewed on periodic basis.
Committees responsible to the Board of Directors
The Board of Directors is assisted by committees having the duty to provide advice and recommendation related to the Bank’s policy
and management. Composition of committee’s membership is prepared according to the complexity of its task and responsibility.
Recommendation from the respective committee is for reference to the Board of Directors in making decision. The committees are as follows:
1. Credit Committee 2. Assets-Liabilities Committee ALCO
3. Risk Management Committee 4. Information Technology Steering Committee
1. Credit Committee
Credit Committee is established to assist the Board of Directors in determining the direction of credit policy of Bank Artha Graha
Internasional, at the same time evaluating andor making credit decision pursuant to the authority limit as determined by the
Board of Directors, in observance of the business development without prejudice to prudential principles.
2. Assets-Liabilities Committee ALCO
Assets-Liabilities Committee has the function, among others, to determine the policy and strategy of liquidity management
in order to meet the Bank’s liquidity requirement and to minimize any idle funds. Assets-Liabilities Committee
determines the policy and strategy related to market risk, price strategy, and the strategy in managing investment portfolio
and the strategy in structuring balance in anticipation of interest rate changes, in order to achieve the maximum level
of net interest margin.