2. Non Performing Loan NPL Compliance towards Regulatory Principal Prevention to the deviation of prudent The implementation of prudent stipulation, 2. Non Performing Loan NPL

Laporan Tahunan 2009 Annual Report 121 • Melakukan uji kepatuhan terhadap rancangan kebijakan dan keputusan strategis. • Memantau kebijakan dan prosedur internal sesuai dengan perubahan peraturan eksternal. • Memantau pelaksanaan prinsip kehati-hatian. • Memantau pemenuhan komitmen Bank terhadap Bank Indonesia. • Menganalisis, menyusun dan melaporkan hasil pemantauan kepatuhan. • Pemantauan dan pelaporan Good Corporate Governance.

10.2. Kepatuhan terhadap Regulasi Utama

Bank DKI telah menyampaikan Laporan Kepatuhan periode semester I dan semester II tahun 2009 kepada Bank Indonesia sesuai jadual dan secara garis besar melaporkan hal-hal sebagai berikut:

a. Pencegahan Penyimpangan Ketentuan

Kehati-hatian, yaitu berupa pengujian rencana keputusan dan rencana kebijakan serta sosialisasi ketentuan Bank Indonesia.

b. Pelaksanaan ketentuan kehati-hatian, yang

mencakup antara lain: b.1. Rasio Kecukupan Pemenuhan Modal Minimum KPMM Rasio KPMM atau CAR Bank DKI selama 5 tahun terakhir, di atas batas minimum yang dipersyaratkan Bank Indonesia sebesar 8. Perkembangan rasio KPMM sebagaimana tabel berikut: Rasio Kecukupan Pemenuhan Modal Minimum RASIO RATIO 2005 2006 2007 2008 2009 KPMMCAR Risiko Kredit Car Ratio Risk Credit 19,31 17,81 15,09 17,21 15,13 KPMMCAR Risiko Kredit dan Risiko Pasar Car Ratio Risk Credit and Risk Market 18,47 17,00 12,87 13,66 13,67

b.2. Non Performing Loan NPL

NPL Bank DKI secara bertahap terus mengalami perbaikan. Hal ini tercermin dari perkembangan NPL Gross dan NPL Netto dalam 5 tahun terakhir sebagai berikut: Perkembangan NPL Gross dan NPL Netto RASIO RATIO 2005 2006 2007 2008 2009 NPL Gross 5,36 4,55 4,15 4,92 5,76 NPL Netto 0,85 1,08 0,74 2,05 3,26 • Implement compliance tests towards the policy plan and strategic decision. • Monitor internal policy and procedures in accordance with external regulatory changes. • Monitor the implementation of prudent banking principles. • Monitor the fulillment of the Bank’s commitments to Bank Indonesia. • Analyze, formulate and report the compliance monitoring results. • good Corporate governance monitoring and reporting.

10.2. Compliance towards Regulatory Principal

DKI Bank has submitted its Compliance Report and the irst half of the second semester of 2009 to Bank Indonesia on schedule and outline of the things that are reported as follows:

a. Prevention to the deviation of prudent

stipulation, a trial on decision plan and policy plan as well as socialization of Bank Indonesia stipulation.

b. The implementation of prudent stipulation,

that covers the followings: b.1. Capital Adequacy Ratio CAR Bank DKI’s CAR for the last ive years reached 8, beyond the minimum credit limit that is determined by Bank Indonesia. The outgrowth of CAR ratio is shown on the following table: Capital Adequacy Ratio

b.2. Non Performing Loan NPL

Bank DKI’s NPL has gradually and consistently improved which is relected by the outgrowth in Gross NPL and Net NPL over the last 5 years as follows: Development of gross NPLs and Net NPLs 122 Laporan Tahunan 2009 Annual Report

b.3. Batas Maksimum Pemberian Kredit BMPK