RISIKO KREDIT CREDIT RISK

582 2012฀Annual฀Report฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 45. RISIKO KREDIT 45. CREDIT RISK Pengelolaan kredit Bank diarahkan untuk melakukan ekspansi kredit dan mengelola kualitas setiap kredit sejak saat diberikan sampai dengan dilunasi untuk mencegah kredit tersebut menjadi Non-Performing Loan NPL. Pengelolaan kredit yang efektif dapat meminimalkan kerugian dan mengoptimalkan penggunaan modal yang dialokasikan untuk risiko kredit. The Bank’s loan management is aimed to support the loan expansion and manage the quality of each loan from the time the loan is granted until the loan is fully repaid by the debtors, to prevent the loan to become a Non-Performing Loan NPL. Effective loan management is able to minimize the risk of losses and optimize the use of capital allocated for credit risk. Bank telah memiliki kebijakan dan prosedur perkreditan secara tertulis yang dituangkan dalam Pedoman Perusahaan PP Perkreditan, Keputusan Credit Policy Committee CPC dan Radisi Rapat Direksi. Kebijakan-kebijakan tersebut memberikan pedoman secara lengkap dan terperinci atas kegiatan manajemen kredit dari saat pengajuan kredit, proses analisis, persetujuan, pemantauan, pendokumentasian, pengendalian dan penyelamatanrestrukturisasi. Dalam rangka mendukung proses pemberian kredit yang lebih hati-hati, BNI melakukan penelaahan dan penyempurnaan kebijakan kredit secara periodik sesuai dengan perkembangan bisnis terkini. The Bank has issued written loan policies and procedures set forth in the Operational Guidance Manual OGM for Credit, decisions of the Credit Policy Committee CPC and Board of Directors meetings. These policies provide detailed guidance on loan management activities from loan proposal, process analysis, approval, monitoring, documentation, control and restructuring. To support a prudent loan granting process, BNI conducts periodic reviews and makes enhancements to its loan policies in line with current business development. Pengelolaan risiko kredit diterapkan pada tingkat individu pinjaman dan tingkat portofolio. Pada tingkat individu pinjaman, setiap keputusan pemberian kredit dilakukan melalui proses analisa oleh Unit Bisnis dan Unit Risiko Kredit. Mekanisme persetujuan kredit dilakukan melalui rapat Komite Kredit. Komite kredit merupakan lembaga pemutus kredit yang berangotakan pemutus dari unit bisnis dan unit risiko, dengan demikian proses pemberian kredit menjadi lebih komprehensif dan hati-hati. Credit risk management is implemented both at the individual borrower and portfolio level. At the individual level, each loan decision is made through a process of analysis by the Business Unit and Credit Risk Unit. The credit approval process mechanism is through a credit committee meeting. The credit committee constitutes the decision maker for credit approval, which consist of representative from business unit and representative from risk business profile the decision-makers of business units and credit risk units. Pada tingkat portofolio, setiap tahun sekali ditetapkan Loan Exposure Limit, yaitu diversifikasi portofolio pinjaman berdasarkan industri untuk mengoptimalkan risiko dan pendapatan di masing- masing industri dan mengurangi risiko konsentrasi. At the portfolio level, the annual loan exposure limit is determined to diversify loan portfolio among different industry sectors in order to optimize risk and return in each sector and to reduce concentration risk. 583 Laporan฀Tahunan฀2012฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued