Duties and Responsibilities of the Committee
b. Tugas dan Tanggung Jawab Komite
1. BidangManajemenRisiko - Mengidentifikasi seluruh jenis risiko kredit, pasar dan operasional yang berasal dari segenap kegiatan usaha unit-unit bisnis BNl. - Menetapkan kebijakan dan strategi risk metics dan indikator-indikator manajemen risiko yang digunakan. - Membangun mekanisme manajemen risiko disetiap jenis risiko, termasuk akuntabilitas accountability dan pertanggungjawaban responsibility setiap unit. - Menetapkan kebijakan dan strategi sebagai langkah antisipasi apabila ditemukan pelampauan pelanggaran maupun deviasi dari limit yang sudah ditetapkan. - Menetapkan Overall Exposure Limit di tingkat perusahaan bank wide dan mengalokasikannya ke setiap Bisnis Unit. - Menetapkan sistem alokasi aktiva berisiko risk asset dan modal ke setiap unit bisnis. - Memastikan bahwa aktivitas-aktivitas pengelolaan bisnis BNI adalah sejalan dengan kebijakan internal dan disesuaikan untuk memenuhi kepatuhan compliance terhadap peraturan yang berlaku di Indonesia. - Memonitor dampak dari kebijakan dan strategi yang diimplementasikan terhadap parameter risiko tertentu secara periodik. - Mengikuti secara aktif perkembangan dan pemeliharaan Management Information System MIS di BNI agar dapat menyajikan informasi yang akurat dan tepat waktu. 2. BidangkebijakanKredit - Mengevaluasi dan menyetujui usulan kebijakan, sistem manajemen dan prosedur perkreditan yang telah ada maupun yang baru. - Menetapkan dan menyetujui persetujuan khusus exception terhadap kebijakan dan prosedur yang dapat diberikan kepada debiturnasabah dengan tetap menjaga kualitas kredit. - Memperbaiki kebijakan dan prosedur kredit atas dasar laporan dari Divisi Kebijakan dan Manajemen Risiko dan memberikan arahan khususnya yang berkenaan dengan ketaatan terhadap kebijakan dan prosedur kredit yang berlaku. - Menetapkan besarnya Credit Risk Premium minimum spread per produk dan sektoral serta menetapkan batas tertinggi tarip bunga kredit pricing.b. Duties and Responsibilities of the Committee
1. RiskManagement - Identify all types of risks credit, market and operational risks arising from business activities carried out by BNI business units. - Establish risk metrics policies and strategies, and risk management indicators. - Develop a risk management mechanism for every risk, including accountability and responsibility for every unit. - Establish policies and strategies in anticipation of a breach or deviation from the established limit. - Determine bank-wide Overall Exposure Limit for allocation at every Business Unit. - Establish the risk asset and capital allocation system for every Business Unit. - Ensure that BNI business management activities are in conformity with internal policies and duly adjusted to comply with existing rules and regulations in Indonesia. - Monitor the impact of policies and strategies implemented against risk parameters on a periodic basis. - Track MIS developments and maintenance in BNI to ensure accurate and timely delivery of information. 2. Creditpolicy - Approve proposed credit policies, management systems and procedures, and evaluate existing and newly- established policies, systems and procedures. - Determine and approve exceptions to policies and procedures for debtor customers by maintaining credit quality. - Improve credit policies and procedures based on reports from the Risk Policy and Management Division, and provide specific directions pertaining to compliance with existing credit policies and procedures. - Set the level of Credit Risk Premium minimum spread per product and sector, and determine the ceiling for loan interest rates pricing. Tata Kelola Perusahaan Good Corporate Governance BNI•2010AnnualReport BNI•LaporanTahunan2010 Financial Review Business Review Corporate Social Responsibility Good Corporate Governance Functional Review Corporate Data BNI•2010AnnualReport BNI•LaporanTahunan2010 225 - Menetapkan Loan Loss Allowances per segmen untuk dimasukkan oleh Assets Liabilities Committee ALCO sebagai komponen perhitungan based lending rate. - Menetapkan portfolioexposuresectoral limit untuk masing-masing industri. - Menetapkan alat pengukuran dan pengendalian risiko kredit dan batasan-batasannya. 3.BidangAssetdanLiabilities - Menetapkan tujuan dan sasaran Asset Liabilities Management ALMA BNI serta merumuskan kebijakan dan strategi yang diperlukan - Memberikan petunjuk pengelolaan aset dan kewajiban BNl. - Menetapkan dan menjaga jumlah alat likuid sesuai kebutuhan likuiditas dan ketentuan Bank lndonesia. - Menjaga keseimbangan penggunaan dana dengan sumber dana. - Menetapkan kebijakan penempatan dana baik melalui money market maupun capital market. - Menganalisis struktur neraca dan mengkaji semua risiko yang muncul dari exposure yang dimiliki oleh BNI berupa interest rate risk, foreign exchange risk, position ris k dan liquidity risk . - Mengevaluasi perkembangan dan prospek indikator-indikator ekonomi dan menganalisis dampaknya terhadap posisi simpanan dan pinjaman, posisi valuta asing, suku bunga, nilai tukar valuta asing dan profitabilitas BNl. - Menghitung cost of funds dan menetapkan suku bunga dasar pinjaman base lending rate dan bunga giro, tabungan dan deposito. - Menetapkan internal funds transfer price FTP - Menetapkan dan mengatur keanggotaan Komite Asset dan Liabilities pada tingkat regionalwilayah yang selanjutnya disebut Komite Asset dan Liabilities Wilayah. - Menetapkan dan atau mengatur Pedoman Kerja danatau kewenangan Komite Asset Liabilities Wilayah. - Mengadministrasikan keanggotaan, Pedoman Kerja, Kewenangan dan keputusan Komite Asset dan Liabilities Wilayah. Keanggotaan, Pedoman Kerja dan Kewenangan Komite Asset Liabilities Wilayah ditetapkan melalui Rapat Komite Risiko Kapital Bidang Asset Liabilities dan didudukkan dalam Surat Keputusan Direksi yang ditandatangani oleh Direktur Sektor yang menjabat sebagai Ketua Bidang Asset Liabilities. - Determine the Loan Loss Allowances per segment for inclusion by ALCO as a component for the lending rate-based calculation. - Set the portfolioexposuresectoral limit for each industry. - Determine the credit risk measurement and control tools as well as their limitations. 3. AssetsandLiabilities - Establish BNI ALMA’s objectives and goals, and formulate the necessary policies and strategies - Provide guidelines on BNI asset and liability management - Identify and maintain the amount of liquidity tools in accordance with liquidity requirements and Bank Indonesia’s policies. - Maintain balance between the utilization and sources of funds. - Determine policies for the placement of funds either through the money market or capital market. - Analyze the balance sheet structure and review all risks arising from exposure which BNI has to deal with, including interest rate risk, foreign exchange risk, position risk and liquidity risk. - Evaluate developments and prospects of economic indicators, and analyze their impact towards BNI’s position with regard to savings and loan, foreign exchange, interest rates, foreign exchange rate and profitability. - Calculate cost of funds and determine base lending rate as well as interest rates for current accounts, savings and time deposits. - Establish the internal funds transfer price FTP. - Determine and establish Assets and Liabilities Committee membership at the regional level, later to be known as the Regional Assets Liabilities Committee. - Determine and or establish Operating Guidelines andor authority of the Regional Assets Liabilities Committee. - Manage the membership, Operating Guidelines, Authority and decisions of the Regional Assets and Liabilities Committee. Membership, Operating Guidelines and Authority of the Regional Assets Liabilities Committee shall be determined through the Risk Capital Committee Meeting on Assets Liabilities, and authorized by the BOD Directive signed by the Sectoral Director appointed as the Head of Assets Liabilities. BNI•2010AnnualReport BNI•LaporanTahunan2010 226 BNI•2010AnnualReport BNI•LaporanTahunan20102. Komite Disiplin
Parts
» Pegawai yang Profesional Bagus Rumbogo
» Peter B. Stok Fero Poerbonegoro Tirta Hidayat B.S. Kusmuljono Ekoputro Adijayanto
» Sensitivitas terhadap Risiko Pasar Penetapan Akuntan Publik
» Organization and Human Resources According to the Board of Commissioners,
» TOTAL Honggo Widjojo Kangmasto
» Pengembangan Produk Baru Pengembangan Layanan New Product Development
» Service Development Promosi Total Undisbursed
» Infrastruktur dan Sumberdaya Promotion
» Infrastructure and Resources Total Undisbursed
» BNI Honggo Widjojo Kangmasto
» Voice of internal customer 31.72 6.12 12.75
» Program Peningkatan Layanan Bagi Nasabah Customer Service Improvement Program
» Program Pengembangan Pendidikan Honggo Widjojo Kangmasto
» Education Development Program Program Perbaikan Kesehatan
» Program Pengembangan Seni dan Budaya Biaya yang dikeluarkan Health Improvement Program
» Arts and Cultural Program Cost
» Aktivitas Pengelolaan Lingkungan Environmental Management
» UNEP-FI Signatory Member Biaya yang dikeluarkan UNEP-FI Signatory Member
» Expenses Honggo Widjojo Kangmasto
» Independence of the Board of Commissioners Members
» Tugas dan Tanggung Jawab Dewan Komisaris Duties and Resposibilities of the Board of Commissioners
» Pelaksanaan Tugas Dewan Komisaris
» Implementation of Duties of the Board of Commissioners
» Rapat Dewan Komisaris bni ar 2010 th
» Procedures to Determine the Remuneration and Other Facilities for BOC
» Share Ownership of Members of the Board of Commissioners Reach 5 five percent
» Independensi Anggota Direksi Independence of the Board of Directors Members
» Pembagian Bidang atau Sektor Tugas masing-masing Anggota Direksi Division of Duties of the BOD
» Tugas dan Tanggung Jawab Direksi a. Umum Rapat Direksi
» Meetings of the Board of Directors Prosedur Penetapan Remunerasi dan Fasilitas Lain Direksi
» Procedures for Determination of Remuneration and Other Facilities for BOD
» SeminarTrainingWorkshop Direksi bni ar 2010 th
» SeminarsTrainingsWorkshops of the Board of Directors
» Composition of the Audit Committee in 2010
» Independensi Anggota Komite Piagam Komite Audit Independence of Committee Members
» Criteria of the Audit Committee Member
» Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
» Composition of Committee Members 2010
» Masa tugas Komite Pemantau Risiko
» Tenure of Risk Monitoring Committee Kriteria Anggota Komite Pemantau Risiko
» Membership Criteria Tugas dan Tanggung Jawab Komite Pemantau Risiko
» Duties and Responsibilities of the Risk Monitoring Committee
» Susunan Anggota Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
» Independensi Anggota Komite Remunerasi dan Nominasi Piagam Komite Remunerasi dan Nominasi
» Membership Criteria Committee Responsibilities and Scope of Work
» RCC Membership Structure consists of: Tugas dan Tanggung Jawab Komite
» Duties and Responsibilities of the Committee
» Susunan Anggota Komite Teknologi Tugas dan Tanggung Jawab Komite Teknologi
» Membership Structure Duties and Responsibilities of the Technology Committee
» Ruang Lingkup dan Jenis AuditKonsultasi Metodologi Audit Konsultasi
» Scope and Type of AuditConsultancy Audit Consultancy Methodology Realisasi Pelaksanaan Audit
» Struktur dan Kedudukan SPI Tugas dan Tanggung Jawab SPI IAU Structure and Position
» Duties and Responsibilities of IAU Wewenang SPI
» IAU Code of Conduct Kompetensi Persyaratan Auditor SPI
» Competence IAU Auditor Criteria Perlindungan Hukum kepada Pemimpin dan Auditor SPI
» Legal Protection for IAU Head and Auditor
» Komite Layanan Rencana Jangka Panjang Corporate Plan
» Rencana Jangka Menengah dan Pendek Business Plan
» Medium and Short-Term Business Plan
» gcgbni.co.id. serta PO BOX GCG BNI
» gcgbni.co.id. and PO BOX GCG BNI
» Rencana Strategis Bank = peringkat 2
» Bank Strategic Plan = second rank
» Pendirian Bank Establishment of the Bank
» Rekapitalisasi Recapitalization Struktur dan Manajemen Organizational and Management Structure
» Struktur dan Manajemen lanjutan Organizational and Management Structure
» Anak Perusahaan lanjutan Subsidiaries continued
» Basis of preparation of the consolidated financial statements
» Basis of preparation of the consolidated financial statements continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Placements with other banks and Bank Surat-surat berharga
» Marketable securities and Government Bonds continued
» Instrumen keuangan derivatif Derivative financial instruments
» Pinjaman yang diberikan Loans
» Loans continued Sebelum 1 Januari 2010 lanjutan
» Loans continued Sebelum dan setelah 1 Januari 2010
» Aset tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Foreclosed collaterals continued Piutang pembiayaan konsumen Consumer financing receivables
» Consumer financing IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Simpanan dari bank lain Deposits from other banks
» Fund borrowing continued Pendapatan bunga dan syariah, beban bunga dan bonus Interest and
» Perpajakan Taxation IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» KAS GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan peringkat lanjutan By rating continued
» Informasi Other significant information relating to
» TAGIHAN DAN OBLIGASI PEMERINTAH GOVERNMENT BONDS
» OBLIGASI PEMERINTAH lanjutan GOVERNMENT BONDS continued
» OBLIGASI PEMERINTAH lanjutan GOVERNMENT BONDS continued PENYERTAAN SAHAM EQUITY INVESTMENTS
» PENYERTAAN SAHAM lanjutan EQUITY INVESTMENTS continued
» ASET TETAP lanjutan FIXED ASSETS continued ASET LAIN-LAIN - BERSIH OTHER ASSETS - NET
» ASET LAIN-LAIN - BERSIH lanjutan OTHER ASSETS - NET continued
» Berdasarkan jenis dan mata uang By type and currency
» Beban pajak lanjutan Tax expense continued
» Aset pajak tangguhan Deferred tax assets
» Surat ketetapan pajak Tax assessment letter
» CADANGAN UMUM DAN WAJIB GENERAL AND LEGAL RESERVES CADANGAN KHUSUS SPECIFIC RESERVES
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» KOMITMEN DAN KONTINJENSI lanjutan COMMITMENTS
» Bank guarantees Irrevocable letters of credit Irrevocable letters of credit
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued RISIKO KREDIT CREDIT RISK
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO PASAR lanjutan MARKET RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» AKTIVITAS FIDUCIARY lanjutan FIDUCIARY ACTIVITIES continued
» AKTIVITAS FIDUCIARY lanjutan FIDUCIARY ACTIVITIES continued HAL-HAL LAINNYA OTHER MATTERS
» HAL-HAL LAINNYA lanjutan OTHER MATTERS continued
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS KREDIT KELOLAAN CHANNELING LOANS
» PERNYATAAN STANDAR REVISED STATEMENTS
» PERNYATAAN STANDAR REVISED STATEMENTS REKLASIFIKASI LAPORAN
» INFORMASI KEUANGAN TAMBAHAN 53. SUPPLEMENTARY FINANCIAL INFORMATION TANGGUNG JAWAB
» MANAGEMENT’S RESPONSIBILITY ON THE CONSOLIDATED FINANCIAL STATEMENTS
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