Risiko Likuiditas Overall Internal Control System

primary reserve maupun secondary reserve. Kekurangan cadangan likuiditas merupakan salah satu indikator peringatan dini yang selalu diperhatikan Bank dalam pengelolaan risiko likuiditas. • Dalam mengantisipasi meningkatnya risiko likuiditas, upaya pengelolaan secondary reserve . dilakukan dengan lebih hati-hati sejalan dengan posisi Loan to Deposit Ratio LDR Bank sehingga kondisi likuiditas Bank secara keseluruhan dapat tetap terjaga dengan baik. 3 Mekanisme pengukuran dan pengendalian risiko likuiditas • Dalam melakukan pengukuran risiko likuiditas, Bank menggunakan alat ukur antara lain proyeksi arus kas, proil maturitas, rasio likuiditas dan stress testing sesuai dengan ketentuan Bank Indonesia. • Pengendalian risiko likuiditas dilakukan melalui strategi pendanaan, pengelolaan posisi likuiditas dan risiko likuiditas harian, pengelolaan aset likuid berkualitas tinggi dan rencana pendanaan darurat contingency funding plan yang berisi langkah-langkah yang dapat diambil dalam mengantisipasi dan menghadapi kondisi kesulitan shortfall likuditas sehingga Bank dapat tetap memenuhi setiap kewajiban inansial yang sudah diperjanjikan secara tepat waktu. • Pengelolaan risiko likuiditas secara operasional di fasilitasi melalui Rapat Komite Asset Liabilities yang dilakukan secara periodik. Bank senantiasa menjaga cadangan likuiditas berdasarkan ketentuan Bank Indonesia yang berlaku, dan kontraktual transaksi serta perilaku nasabah.

e. Risiko Hukum

Penerapan Manajemen Risiko untuk Risiko Hukum 1 Organisasi Manajemen Risiko Hukum Organisasi manajemen risiko hukum Bank berada dalam struktur organisasi Divisi Kepatuhan Manajemen Risiko dan di bawah Bagian Manajemen Risiko terdiri dari staf fungsional yang secara khusus bertanggung jawab melakukan pengelolaan risiko hukum dan bersifat independen dari unit kerja operasional. 2 Pengendalian risiko hukum Pengendalian risiko hukum Bank dilakukan antara lain dengan cara: • Bank memiliki Biro Hukum yang memiliki peranan antara lain: - melakukan analisa hukum atas produk of liquidity reserve is one of early warning indicators that is always attended to by the Bank in liquidity risk management. • In anticipation of the increase of liquidity risk, the management of secondary reserve is carried out more carefully along with the position of Loan to Deposit Ratio LDR of the Bank, so that the Bank’s overall liquidity condition may be well maintained. 3 Mechanism of measuring and controlling liquidity risk • In measuring liquidity risk, the Bank uses the measuring tools, among others, projected cash low, maturity proile, liquidity ratio and stress testing pursuant to Bank Indonesia’s regulation. • Liquidity risk control is performed by funding strategy, management of liquidity position and daily liquidity risk, management of high quality liquid assets and contingency funding plan, including the steps to be taken in anticipation and facing liquidity shortfall condition so that the Bank may remain fulilling the respective inancial obligation as promised on a timely manner. • Operational management of liquidity risk is facilitated through Meeting of Assets Liabilities Committee that is arranged periodically. The Bank always maintains liquidity reserve based on the applicable Bank Indonesia’s provision, and contractual transaction as well as customer’s behavior.

e. Legal Risk

Risk Management Application for Legal Risk 1 Legal Risk Management Organization The Bank’s legal risk management organization is provided in the organization structure of Compliance Risk Management Division and under Risk Management Section consisting of functional staff particularly responsible for legal risk management who is independent from operational unit. 2 Legal risk control The Bank’s legal risk control is carried out among others in the following manner: • The Bank has Legal Bureau with the following roles, among others: - performing legal analysis of new product