KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE

PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 216 Selain itu, pelaksanaan tugas Komite Audit Perseroan mengacu kepada Keputusan Ketua Bapepam Nomor Kep-29PM2004 tanggal 24 September 2004, Peraturan Nomor IX.1.5 tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit, serta keputusan Direksi PT Bursa Efek Jakarta Nomor Kep305BEJ07- 2004 tanggal 19 Juli 2004 tentang Penyelenggaraan Pengelolaan Perusahaan Good Corporate Governance Perusahaan Tercatat, Piagam Komite Audit Audit Committee Charter Perseroan.

2. KOMITE PEMANTAU RISIKO

Komite Pemantau Risiko dibentuk dalam rangka membantu Dewan Komisaris melaksanakan tugas pemantauan atas pelaksanaan manajemen risiko Perseroan guna memastikan kerangka kerja manajemen risiko telah memberikan perlindungan yang memadai terhadap seluruh risiko Perseroan. Hasil kerja Komite Pemantau Risiko berupa pendapat profesional yang independen dan rekomendasi kepada Dewan Komisaris terhadap pelaksanaan manajemen risiko Bank Artha Graha Internasional. Seorang anggota Komite Pemantau Risiko merupakan seseorang yang memiliki integritas, akhlak, dan moral yang baik. Selain itu, anggota Komite Pemantau Risiko merupakan seorang pihak yang independen, dimana mantan anggota Direksi atau Pejabat Eksekutif Bank atau pihak-pihak lain yang mempunyai hubungan dengan Bank yang dapat mempengaruhi kemampuannya untuk bertindak independen, tidak dapat menjadi pihak independen sebagai anggota Komite Pemantau Risiko. Susunan Komite Pemantau Risiko Susunan Komite Pemantau Risiko dalam tahun 2014 adalah sebagai berikut: Nama Name Jabatan Position Periode Jabatan Term of Offi ce Edijanto Ketua Komisaris Independen Head Independent Commissioner 26 Juni 2013 - 25 Juni 2016 June 26, 2013 - June 25, 2016 Bambang Handoyo Anggota Member 26 Juni 2013 - 25 Juni 2016 June 26, 2013 - June 25, 2016 Januar Budiman Anggota Member 26 Juni 2013 - 25 Juni 2016 June 26, 2013 - June 25, 2016 Tata Kelola Perusahaan Good Corporate Governance In addition, the implementation of the tasks of the Audit Committee refers to the Decision of the Chairman of Bapepam No. Kep-29 PM 2004 dated 24 September 2004, Regulation Number IX.1.5 regarding the Establishment Implementation Guideline of the Audit Committee, as well as decision of Board of Directors of the Jakarta Stock Exchange Number Kep305 BEJ 07- 2004 dated July 19, 2004 concerning the Implementation Management Company GCG Listed Company, the Audit Committee Charter Audit Committee Charter of the Company.

2. RISK MONITORING COMMITTEE

Risk Monitoring Committee was formed in order to assist the Board of Commissioners in monitoring the implementation of risk management framework to ensure that the risk has to provide adequate protection against all risks of the Company. The work of the Committee Risk Monitoring in the form of professional opinion independent and recommendations to the Board the implementation of risk management of Bank Artha Graha Internasional. A member of the Risk Monitoring Committee has the integrity, character, and good moral. In addition, members of the Risk Oversight Committee is an independent party, in which former member of the Board of Directors or Executive Offi cer of the Bank or other parties who have a relationship with Banks that can aff ect his ability to act independently, it can not be a party as an independent member of the Risk Oversight Committee. Risk Monitoring Committee Composition The composition of Risk Monitoring Committee in 2014 is as follows: 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 217 Nama Name Jabatan Position Periode Jabatan Term of Offi ce Bimmy Indrawan Tjahya Anggota Member 26 Juni 2013 - 25 Juni 2016 June 26, 2013 - June 25, 2016 Inge Suryani Purwita Anggota Member 30 Agustus 2013 - 25 Juni 2016 August 30, 2013 - June 25, 2016 Andry Siantar Anggota Komisaris Independen Member Independent Commissioner 27 November 2013 - 25 Juni 2016 November 27, 2013 - June 25, 2016 Profi l Komite Pemantau Risiko Nama Name Profi l Profi le Dasar Hukum Pengangkatan Legal Basis of Appointment Edijanto Dapat dilihat dalam profi l Komite Audit Available in Audit Committe profi le Surat Keputusan Direksi PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969IVI13 Decree of Board of Directors of PT Bank Artha Graha Internasional Tbk No. SK-MTSDM9691VI13 Andry Siantar Dapat dilihat dalam profi l Dewan Komisaris Available in Audit Committe profi le Surat Keputusan Direksi PT Bank Artha Graha Internasional Tbk No. SK-MTSDM1689BXI13 Decree of Board of Directors of PT Bank Artha Graha Internasional Tbk No. SK-MTSDM1689BXI13 Bambang Handoyo Dapat dilihat dalam profi l Komite Audit Available in Audit Committe profi le Surat Keputusan Direksi PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969KVI13 Decree of Board of Directors of PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969KVI13 Januar Budiman Dapat dilihat dalam profi l Komite Audit Available in Audit Committe profi le Surat Keputusan Direksi PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969LVI13 Decree of Board of Directors of PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969LVI13 Bimmy Indrawan Tjahya Dapat dilihat dalam profi l Komite Audit Available in Audit Committe profi le Surat Keputusan Direksi PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969MVI13 Decree of Board of Directors of PT Bank Artha Graha Internasional Tbk No. SK-MTSDM969MVI13 Inge Suryani Purwita Dapat dilihat dalam profi l Komite Audit Available in Audit Committe profi le Surat Keputusan Direksi PT Bank Artha Graha Internasional Tbk No. SK-MTSDM1247DVIII13 Decree of Board of Directors of PT Bank Artha Graha Internasional Tbk No. SK-MTSDM1247DVIII13 Tugas dan Tanggung Jawab Komite Pemantau Risiko antara lain bertugas untuk melakukan evaluasi tentang kesesuaian antara kebijakan manajemen risiko dengan pelaksanaan kebijakan tersebut serta pemantauan dan evaluasi pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko. Komite Pemantau Risiko bertanggungjawab kepada Dewan Komisaris atas pelaksanaan tugas yang telah ditentukan dan melaporkan kepada Dewan Komisaris secara periodik atau insidentil apabila terdapat hal-hal penting yang dapat mengganggu jalannya Perseroan. Tata Kelola Perusahaan Good Corporate Governance Profi le of Risk Monitoring Committee Duties and Responsibilities Risk Oversight Committee, among others, in charge of an evaluation of compatibility between risk management policy implementation The policy monitoring and evaluation the implementation of the Risk Management Committee and Risk Management Unit. Oversight Committee Risk is responsible to the Board of Commissioners on the implementation of the tasks that have been determined and report periodically to the Board of Commissioners or incidental if there are important things that can disrupt the running of the Company. PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 218 Uraian Pelaksanaan Tugas Komite Pemantau Risiko 2014 Sepanjang 2014, Komite Pemantau Risiko telah melaksanakan tugas dan tanggung jawabnya terkhusus dalam melaksanakan evaluasi tentang kesesuaian antara kebijakan manajemen risiko dengan pelaksanaan kebijakan tersebut serta melakukan pemantauan, evaluasi pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko serta memberikan masukan dan rekomendasi kepada Dewan Komisaris terkait kesesuaian fungsi manajemen risiko Perseroan. Rapat Komite Pemantau Risiko Sepanjang 2014, Komite Pemantau Risiko telah menyelenggarakan 5 lima kali rapat. Kehadiran masing-masing anggota dalam rapat Komite adalah sebagai berikut: Nama Name Jumlah Rapat Total Meeting Kehadiran dalam rapat Attendance Edijanto 5 5 100 Bambang Handoyo 5 5 100 Januar Budiman 5 5 100 Bimmy Indrawan Tjahya 5 5 100 Inge Suryani Purwita 5 3 50 Andry Siantar 5 5 100 Agenda penting yang dibahas dalam rapat-rapat Komite Pemantau Risiko selama 2014, meliputi: Tanggal Date Agenda 27 Februari 2014 February 27, 2014 • Pembahasan risiko inheren Perseroan posisi 31 Desember 2013. Discussion of the inherent risks of the Company on December 31, 2013. • Pembahasan kualitas penerapan manajemen risiko Perseroan posisi 31 Desember 2013. Discussion of the quality of risk management of the Company on December 31, 2013. • Tingkat risiko komposit Perseroan posisi 31 Desember 2013. The level of the composite risk position of the Companys December 31, 2013 25 April 2014 April 25, 2014 • Pembahasan Risiko inheren Perseroan posisi 31 Maret 2014. Discussion of the inherent risk of the Companys position March 31, 2014. • Kualitas penerapan manajemen risiko Perseroan posisi 31 Maret 2014. The quality of the Companys risk management positions March 31, 2014. • Tingkat risiko komposit Perseroan posisi 31 Maret 2014. The level of the composite risk position of the Companys March 31, 2014. 25 Juli 2014 July 25, 2014 • Risiko inheren Perseroan posisi 30 Juni 2014. The Companys inherent risk as of June 30, 2014 • Kualitas penerapan manajemen risiko Perseroan posisi 30 Juni 2014. Quality of the Companys risk management implementation as of June 30, 2014 • Tingkat risiko komposit Perseroan posisi 30 Juni 2014. The Companys composite risk level as of June 30, 2014 27 Agustus 2014 August 27, 2014 • Risiko Inheren Perseroan posisi 31 Juli 2014. Inherent Risk on July 31, 2014. • Kualitas penerapan manajemen risiko Perseroan posisi 31 Juli 2014. The quality of the Companys risk management positions July 31, 2014. • Tingkat risiko komposit Perseroan posisi 31 Juli 2014. The level of the composite risk position of the Companys July 31, 2014. Tata Kelola Perusahaan Good Corporate Governance Description of Duties of Risk Oversight Committee 2014 Throughout 2014, the Risk Monitoring Committee carry out their duties and responsibilities particularly in view in carrying out an evaluation of the suitability the risk management policy implementation policy and monitoring, evaluation of the implementation of the Risk Management Committee and the Risk Management Unit and provide input and recommendations to the Board related to the suitability of the Companys risk management function. Risk Oversight Committee Meeting Throughout 2014, the Risk Monitoring Committee held 5 five meetings. Presence each member of the Committee meeting is as follows: The important agendas discussed in Risk Monitoring Committe in 2014 include: 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 219 Tanggal Date Agenda 29 Oktober 2014 October 29, 2014 • Risiko inheren Perseroan posisi 30 September 2014. The risk inherent position of 30 September 2014 Company. • Kualitas penerapan manajemen risiko Perseroan posisi 30 September 2014. The quality of the Companys risk management positions 30 September 2014. • Tingkat risiko komposit Perseroan posisi 30 September 2014. The level of risk of the composite 30 September 2014 the Companys position. Rekomendasi Komite Pemantau Risiko Dari hasil pertemuan Komite Pemantau Risiko, telah dihasilkan beberapa rekomendasi, sebagai berikut: - Bank perlu memerhatikan posisi dan peringkat profil risiko dan mengambil langkah-langkah yang diperlukan agar risiko dapat dikelola dengan baik sejalan dengan target dan perkembangan bisnis Bank. - Bank wajib memberikan memerhatikan perkembangan peringkat profil risiko secara berkala khususnya terhadap Risiko Kredit, Risiko Likuiditas, Risiko Stratejik, dan Risiko Operasional serta parameter-parameter yang berperingkat Moderate, Moderate to High, dan High Risk, dengan mengambil langkah-langkah tindak lanjut yang diperlukan, agar profil risiko tersebut dapat dikelola dengan baik pada batasan yang dapat ditoleransi sejalan dengan target dan perkembangan bisnis Bank. - Dalam mengelola risiko likuiditas, perlu diperhatikan kepada dana-dana yang tidak stabil yang dapat berakibat pada posisi likuiditas Bank, sehingga agar dipastikan jumlah dana yang stabil. - Proses kredit di Bank Artha Graha Internasional agar ditinjau kembali antara Divisi Kredit dan Divisi SKMR dalam hal percepatan sehingga proses kredit dapat dipercepat dan jika diperlukan dilakukan pembahasan bersama antara Divisi yang terkait. Pedoman dan Tata Tertib Kerja Komite Pemantau Risiko Komite Pemantau Risiko memiliki Pedoman dan Tata Tertib Kerja yang diatur dalam Pedoman Kebijakan Perusahaan Nomor 0004.01.1 tanggal 22 April 2010. Pedoman tersebut mengatur hal-hal yang terkait dengan pelaksanaan tugas dan kewajiban serta etika anggota Komite Pemantau Risiko. Pedoman dan Tata Tertib Kerja Komite Pemantau Risiko disusun berdasarkan peraturan yang berlaku dan akan ditinjau ulang secara berkala. Tata Kelola Perusahaan Good Corporate Governance Risk Monitoring Committee Recommendations From the results of the Risk Monitoring Committee meeting, has generated several recommendations as follows: - Banks need to pay attention to the position and ranking risk profile and take steps necessary for risk can be managed properly in line with targets and the development of business Bank. - Banks are required to give notice development of the risk profile regularly rank especially against Credit Risk, Liquidity Risk, Strategic risk, and operational risk as well as parameters is rated Moderate, Moderate to High, and High Risk, by taking follow-up measures are needed, in order The risk profile can be managed properly on the limits that can be tolerated in line with targets and the development of the Banks business. - In managing liquidity risk, need to be considered the funds are not stable to resulted in the Banks liquidity position, so that certain amount of stable funding. - Credit process in Bank Artha Graha Internasional in order to be reviewed between the Credit Division and Division SKMR in terms of acceleration so that the credit process can be accelerated and if necessary do joint discussion between the relevant Division. Guidelines and Rules of Risk Monitoring Committee Risk Monitoring Committee has Guidelines and Procedures Charter set out in the Policy Manual Number 0004.01.1 Company dated 22 April 2010. These guidelines regulate matters related to the duties and obligations and ethics member Risk Oversight Committee. Guidelines and Rules of Work Risk Monitoring Committee is based on regulation applicable and will be reviewed periodically. PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 220

3. KOMITE REMUNERASI DAN NOMINASI