Laporan tiga bulanan profil risiko bank telah diajukan ke Bank Indonesia secara tepat waktu.
Unit Manajemen Risiko juga telah mengadopsi model perhitungan Pendapatan Bunga Bersih
NII dan model Nilai Modal Ekonomis EVE dari kantor regional Hong Kong guna memonitor
risiko suku bunga sehubungan dengan risiko pasar dan disamping itu juga memonitor posisi harian
dan limit-limit serta membuat laporan bulanan analisa kredit portfolio.
1.6 Prinsip Kehati-hatian dalam Pemberian Kredit kepada Pihak-Terkait dan Grup Debitur
Besar. Bank tidak diperbolehkan masuk ke dalam suatu
kondisi atau perjanjian dimana bank diharuskan memberikan dana yang melanggar BMPK Batas
Minimum Pemberian Kredit dan batas pemberian fasilitas kredit.
Berdasarkan Peraturan Bank Indonesia pemberian kredit kepada pihak-terkait dan atau kelompok
debitur besar masing-masing tidak boleh melebihi 10 dan 25 dari modal bank. Tidak ada
pelanggaran BMPK kepada kelompok debitur besar dan pihak-terkait.
Semua keputusan pemberian kredit harus disetujui oleh komite kredit yang para anggotanya akan
memeriksa dan memberi komentar atas masalah yang ada di aplikasi kredit.
Selama penilaian aplikasi kredit, account officer harus memeriksa latar belakang profil perusahaan
dan manajemennya, dan juga informasi yang relevan menurut faktor-faktor yang
diperhitungkan mengenai pihak-terkait dan grup debitur.
Selama tahun 2008, bank telah memperkuat struktur permodalannya melalui kenaikan
penambahan declared Dana Usaha sebesar USD 50 juta dan penambahan modal disetor sebesar
USD 75 juta guna memperbesar aktivitas kredit. Per tanggal 31 Desember 2008, saldo pemberian
kredit dalam jutaan rupiah: a. Pihak-terkait : Rp. Nihil
b. Debitur Inti:
- Individual Rp. 1,676,245 - Grup Rp. 439,162
1.7 Rencana Strategi Bisnis Bank
Rencana bisnis bank disiapkan dengan mempertimbangkan faktor internal dan eksternal
dan prinsip kehati-hatian bank. Untuk faktor internal, pada saat rencana bisnis dibuat
melibatkan semua unit bisnis terkait sehingga risk.
This quarterly bank’s risk profile has been timely submitted to Bank Indonesia.
Risk management unit has also adopted the Net Interest Income NII and Economic Value of
Equity EVE models from Hong Kong regional office for monitoring interest rate risk relating to
market risk and besides monitoring daily position and limit as well as providing monthly portfolio
credit analysis.
1.6 Prudential principles in fund provision to Related-parties and in Large-exposures.
The bank is prohibited to enter into condition or agreement that obligate bank to provide fund,
which will violate the LLL and credit facility limit granted.
Fund provision to Related- party and or in Large- exposures are in accordance with Bank Indonesia
regulation, which the Legal Lending Limit for related-party and in large exposure not exceed 10
and 25 , respectively of the bank capital. There was no breach the Legal Lending Limit for
large exposures and Related- party. Any credit decision made must be approved by
Loan committee meeting and member of Loan committee will review and comment on the credit
application on certain issues. During the credit application assessment, account
officer must check on the back- ground of the company profile and management, as well as
relevant information according to factors counted as related party and or group borrower.
During the year 2008, the bank has strengthened its capital structure through increment of declared
additional Dana Usaha for USD 50 million and additional paid-up capital for USD 75 million in
order to expand our lending activities.
As of December 31, 2008 the outstanding balance of in million of Rupiah:
a. Related- party Rp.
None b. Core debtor :
- Individual Rp 1,676,245
- Group Rp 439,162
1.7 Bank’s strategic business plan
