Structures, Membership, Duties and Responsibilities of the Committees.
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Fungsi dari masing-masing komite itu dapat dideskripsikan sebagai berikut:
Komite Audit bertugas untuk membantu Dewan Komisaris dalam proses audit laporan
keuangan, internal control dan audit, dan pemilihan dan penunjukkan eksternal audit
bank. Komite Risk Monitoring bertugas untuk
mengawasi dan memastikan profil manajemen risiko bank apakah sudah cukup memadai,
sistematis, efisien,
efektif dan
memaksimalkan nilai terhadap kinerja bank, dan juga apakah sudah sejalan dengan rencana
strategis bank dan kebijakan manajemen risiko secara keseluruhan.
Komite Nominasi dan Remunerasi bertugas untuk memilih dan menunjuk orang yang
tepat untuk posisi pekerjaan yang ditentukan dan juga untuk mengevaluasi kinerja secara
individu, dan kebijakan penggajian dan paket benefit yang diterima oleh level eksekutif dan
staffnya. Kinerja semua komite diatas telah diterapkan
dengan baik di Kantor Pusat. Sedangkan penerapan strategi dan rencana bisnis
Bangkok Bank Indonesia diatur oleh komite sebagai berikut:
a. Komite Manajemen Untuk memastikan efisiensi kinerja bank yang
mencakup penelahaan secara periodik, pengarahan operasional bank, kebijakan,
strategi, ALMA dan juga masalah kepegawaian serta bagian umum yang akan
dibicarakan di dalam komite. Komite Manajemen diketuai oleh General
Manager selaku Pimpinan Cabang dan 3 tiga Deputy General Manager selaku wakil, yang
dibantu oleh : - Head of Treasury
- Head of Operation - Head of Compliance
- Head of Risk Management - Head of Internal Audit
- Head of Marketing - Head of BudgetPlanning
Pertemuan rutin
Komite Manajemen
dilakukan minimal 1 satu kali dalam satu bulan, dan hasil pertemuan dicatat dalam
notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor
Pusat. The function of each committee can be
described as follows: The objectives of the Audit Committee are to
assist the Board of Commissioners with regard to process audit of financial reports, internal
control and internal audit and to select and appoint the bank’s external auditors.
The objective of Risk Monitoring Committee is to oversee and ensure that bank’s management
risk profile is adequate, systematic, efficient, and effective and maximizes value to the bank
and is also to be in-line with the bank’s strategic plan and overall risk management
policy. The objective of Nomination and Remuneration
Committee is to select and nominate suitable persons for appointment job position as well as
to evaluate individual performance and policy of remuneration or benefit package for
executive level and its staffs. All performance of committees above has already
been properly implemented in Head Office. However, in implementing the strategic and
business plan of the bank, Bangkok Bank Indonesia is managed under following committees:
a. Management Committee To ensure proper and efficient running of the
entire operation covering periodical review and directions of bank operation, policy, and
strategy, ALMA as well as personnel and general affairs matters.
Management Committee is chaired by the General Manager as Branch Manager and three
3 Deputy General Manager as representative, who is assisted by:
- Head of Treasury - Head of Operation
- Head of Compliance - Head of Risk Management
- Head of Internal Audit - Head of Marketing
- Head of Budget Planning Management Committee conducted regular
meetings at least 1 one time in a month and the results are recorded in the minutes of the
meeting circulated to committee members and submitted to Headquarters IBG.
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b. Komite Kredit Komite ini bertanggung jawab untuk
mengakses dan mempertimbangkan semua portfolio bank, yang tercakup di dalamnya
nasabah kredit lancar maupun pinjaman kredit bermasalah.
Komite kredit akan bertemu secara periodik untuk menelaah dan mendiskusikan aktivitas
dari aplikasi kredit yang masuk, suku bunga kredit, dan strategi marketingnya.
Fungsi dari
Komite Kredit
adalah bertanggung jawab untuk menyetujui atau
menolak, merekomendasi aplikasi kredit berdasarkan kewenangan kantor cabang.
Pertemuan rutin Komite kredit diadakan setiap 2 minggu sekali atau disesuaikan
dengan kebutuhan dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota
komite dan disampaikan kepada IBG Kantor Pusat.
Komite Kredit diketuai oleh General Manager selaku Pimpinan Cabang dan 3 tiga Deputy
General Manager selaku wakil, yang dibantu oleh :
- Head of Marketing - Head of Treasury
- Head of Operation - Head of Compliance non-voting
- Head of Risk Management non-voting - Head of Internal Audit non-voting
c. Komite Manajemen Risiko Komite ini bertanggung jawab untuk
mengawasi penerapan kerangka kerja dan strategi majemen risiko, komposisi risiko dari
setiap tipe risiko itu dan juga memeriksa secara periodik prosedur dari manajemen
risiko. Bangkok Bank Indonesia menggunakan
peringkat kredit yang handal sebelum menyetujui semua kredit baru ataupun
perpanjangan fasilitas kredit. Penilaian ini menjadi alat yang penting bagi manajemen
risiko kredit dan digunakan sebagai standar underwritting dan juga panduan penetapan
harga. Komite Manajemen Risiko diketuai oleh
Deputy General Manager bidang Operation dan dibantu oleh 2 Deputy General Manager,
sedangkan General Manager diundang dan hadir dalam pertemuan rutin Komite
Maagemen Risiko, b. Loan Committee
This committee is responsible to assess and consider all banks’ portfolio, which include
active and non-performing loan accounts. The Loan Committee will meet periodically to
review and discuss the following activities of loan application, loan pricing and marketing
strategies. The Loan Committee responsibility and
function is to approve or reject, recommend or decline credit application according to branch
authorization. The routine meetings are held in every two
weeks or more often to match with the requirement and the results recorded in the
minutes of the meeting circulated to committee members and submitted to Headquarters IBG.
Credit Committee is chaired by the General Manager as Branch Manager and three 3
Deputy General Manager as representative, who is assisted by:
- Head of Marketing - Head of Treasury
- Head of Operation - Head of Compliance non-voting
- Head of Risk Management non-voting - Head of Internal Audit non-voting
c. Risk Management Committee This committee is responsible to monitor the
implementation of risk management framework and strategy, composition of risk for each type
of risks as well as periodically review on risk management procedure. Bangkok Bank
Indonesia requires a valid credit rating prior approval of any new or renewed credit facility.
Rating is one of the most important tools of credit risk management and used in the
underwriting standards as well as in pricing guidelines.
The Risk Management Committee is chaired by the Deputy General Manager of Operations and
assisted by two Deputy General Manager, meanwhile General Manager please invited in
the Risk Management Committee meeting.
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anggota dari Komite Manajemen Risiko : - Head of Treasury
- Head of Operation - Head of Compliance
- Head of Risk Management - Head of Internal Audit
Pertemuan rutin Komite Manajemen Risiko dilakukan minimal 1 satu kali dalam satu
bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota
komite dan disampaikan kepada IBG Kantor Pusat.
d. Komite Aset dan Liabilitas ALCO Komite ini bertanggungjawab untuk mengatur
kinerja dari aset – aset dan liabilitas yang dimiliki oleh Bank ALMA. Dalam
melaksanakan tanggungjawab
tersebut, Komite ALCO melakukan langkah-langkah
sebagai berikut : a. Memformulasikan
dan memantai
penerapan strategi ALMA sesuai dengan rencana bisnis Bank.
b. Memantau penetapan strategi harga untuk memastikan hasil optimum, mengurangi
biaya penggunaan dana, dan menjaga keseimbangan neraca keuangan Bank.
c. Mengevaluasi posisi risiko suku bunga bank dimana harus konsisten dengan
manajemen risiko suku bunga d. Berkoordinasi
dengan Departemen
Treasuri Kantor Pusat dan Overseas Treasury Center OTC dalam melakukan
manajemen aset dan liabilitas Bank. Komite ALCO diketuai oleh General Manager
selaku Pimpinan Cabang dan 3 tiga Deputy General Manager selaku wakil, yang dibantu
oleh : - Head of Treasury
- Head of Operation - Head of Compliance
- Head of Risk Management - Head of Internal Audit
- Head of Marketing - Head of BudgetPlanning
Pertemuan rutin ALCO dilakukan minimal 1 satu kali dalam satu bulan, dan hasil
pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan
disampaikan kepada IBG Kantor Pusat. Members of the Risk Management Committee:
- Head of Treasury - Head of Operation
- Head of Compliance - Head of Risk Management
- Head of Internal Audit Regular meetings of the Risk Management
Committee conducted a minimum of 1 one time in a month and the results are recorded in
the minutes of the meeting circulated to committee members and submitted to
Headquarters IBG. c. Asset and Liability Committee ALCO
This committee is responsible for managing the performance of assets - assets and liabilities
held by the Bank ALMA . In carrying out these responsibilities, ALCO Committee
perform the following steps : 1.
Formulating and
monitoring the
implementation of the strategy ALMA accordance with the Banks business plan.
2. Monitor price -setting strategies to ensure optimum results , reduce the financing cost ,
and maintaining the balance of the Bank s balance sheet
3. Evaluate the banks interest rate risk position which must be consistent with the interest rate
risk management 4. Coordinate with Treasury Department
Headquarters and Overseas Treasury Center OTC in managing the assets and liabilities of
the Bank. ALCO Committee is chaired by the General
Manager as Branch Manager and three 3 Deputy General Manager as representative ,
who is assisted by : - Head of Treasury
- Head of Operation - Head of Compliance
- Head of Risk Management - Head of Internal Audit
- Head of Marketing - Head of Budget Planning
Regular meetings of ALCO performed at least 1 one time in a month, and the results are
recorded in the minutes of the meeting circulated to committee members and submitted
to Headquarters IBG.
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e. Komite Kredit Bermasalah Komite Kredit Bermasalah NPL Committee
bertanggungjawab untuk membahas pinjaman nasabah kepada Bank yang memiliki
kualitaskategori Kurang Lancar 2 hingga Macet 5.
Komite Kredit Bermasalah diketuai oleh General Manager selaku Pimpinan Cabang
dan 3 tiga Deputy General Manager selaku wakil, yang dibantu oleh :
- Head of Operation - Head of Compliance
- Head of Marketing - Head of Internal Audit
Pertemuan rutin dilakukan minimal 1 satu kali dalam satu bulan, dan hasil pertemuan
dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG
Kantor Pusat. f. Komite Teknologi Informasi
Komite ini bertanggungjawab menyampaikan rekomendasi penggunaan sistem IT kepada
manajemen guna mendukung pertumbuhan bisnis dan efisiensi operasi Bank dalam
strategi jangka pendek dan menengah. Komite Teknologi Informasi diketuai oleh
Deputy General Manager bidang Operation dan Overseas Support Center OSC selaku
penasehat IT, anggota komite adalah : - Head of Operation
- Head of Compliance - Head of Risk Management
- Head of Internal Audit - Head of Supporting Service
Pertemuan rutin dilakukan minimal 1 satu kali dalam satu tahun, dan hasil pertemuan
dicatat dalam notulen yang diedarkan kepada anggota komite.
e. Non-Performing Loans Committee NPL Committee
NPL Committee is responsible for the customer to discuss the bank loan that has a quality Sub-
category 2
to Loss
5. NPL Committee is chaired by General Manager
as Branch Manager and three 3 Deputy General Manager as representative, who is
assisted by: - Head of Operation
- Head of Compliance - Head of Marketing
- Head of Internal Audit Regular meetings conducted at least 1 one
time in a month, and the results are recorded in the minutes of the meeting are circulated to
committee members and submitted to Headquarters IBG.
g. Information Technology Steering Committee This committee is responsible for providing
recommendations to the management of the use of IT systems to support business growth and operating
efficiencies in the Banks short-term and medium- term strategy.
Information Technology Steering Committee, chaired by the Deputy General Manager of Overseas
Operations and Support Center OSC as an IT advisor, committee members are:
- Head of Operation - Head of Compliance
- Head of Risk Management - Head of Internal Audit
- Head of Supporting Services Regular meetings conducted at least 1 one times a
year, and the results are recorded in the minutes of the meeting are circulated to committee members.
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ANNUAL REPORT
Adapun frekuensi rapat yang telah dilakukan oleh masing-masing Komite selama tahun
2013 adalah sebagai berikut :