LAPORAN TAHUNAN 2012
11
ANNUAL REPORT
liquidity dan risiko foreign exchange serta melakukan verifikasi terhadap kertas kerja
laporan bulanan risiko operasional dan disamping itu juga memonitor posisi harian
dan limit-limit serta membuat laporan bulanan analisa kredit portfolio.
1.5 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.
Bank telah mengkinikan internal limit guna memonitor terjadinya pelampauan BMPK.
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.
Per tanggal 31 Desember 2012, saldo pemberian kredit dalam jutaan rupiah:
a. Pihak-terkait : Rp. Nihil b. Debitur Inti:
- Individual Rp. 3.462.817 - Kelompok Rp. 4.375.466
1.6 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 akan sejalan dengan rencana kerja
dari setiap unit bisnis terkait. Sedangkan faktor eksternal, indikator
risk self assessment report ,
besides monitoring daily position and limit as well as providing
monthly portfolio credit analysis.
1.5 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 exceeded 10 and 25 , respectively of the bank capital. There was no
breach on 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.
Bank has updated the internal limit for monitoring the LLL impelemtation.
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.
As of December 31, 2012 the outstanding balance of in million of Rupiah:
a. Related- party Rp. None
b. Core debtor : - Individual
Rp 3,462,817 - Group
Rp 4,375,466
1.6 Bank’s strategic business plan
Bank business plan is prepared by considering internal and external factors as well as prudent
banking principles. For internal factor, in making business plan projected that involving
all units concerned, so it will be running in- line with working plan of each unit involved.
For external factor, the micro and macro
