TRANSAKSI PIHAK-PIHAK BERELASI TRANSACTIONS WITH RELATED PARTIES

311 LAPORAN TAHUNAN 2013 BANK BRI AGRO Indonesian language. PT BANK RAKYAT INDONESIA AGRONIAGA Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain PT BANK RAKYAT INDONESIA AGRONIAGA Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and for the Year Then Ended Expressed in thousands of Rupiah, unless otherwise stated 101 32. TRANSAKSI PIHAK-PIHAK BERELASI lanjutan 32. TRANSACTIONS WITH RELATED PARTIES continued Persentase transaksi dengan pihak-pihak berelasi terhadap total aset dan total liabilitas Bank adalah sebagai berikut: Percentage of transactions with related parties to total assets and total liabilities of the Bank are as follows: 31 Desember 31 Desember December 31, 2013 December 31, 2012 Aset Assets Giro pada bank lain 0,20 0,05 Current accounts with other banks Penempatan pada Bank Indonesia Placements with Bank Indonesia dan bank lain 2,34 2,47 and other banks Efek-efek 9,59 4,23 Securities Kredit yang diberikan 3,70 6,43 Loans 15,83 13,18 Liabilitas Liabilities Giro 5,21 3,01 Demand deposits Tabungan 0,36 0,06 Saving deposits Deposito berjangka 33,50 12,07 Time deposits Simpanan dari bank lain 1,73 9,23 Deposits from other banks Pinjaman yang diterima - 4,81 Fund borrowings Kompensasi kepada karyawan kunci 0,11 0,13 Compensation to key employees 40,91 29,31 Pada tanggal-tanggal 31 Desember 2013 dan 2012, Bank telah mengasuransikan aset tetap kepada PT Asuransi Jasa Tania pihak berelasi Catatan 12. As of December 31, 2013 and 2012, the Bank has insured its premises and equipment to PT Asuransi Jasa Tania related party Note 12. 33. MANAJEMEN RISIKO 33. RISK MANAGEMENT Meningkatnya kebutuhan pengelolaan Bank yang sehat dan terpadu Good Corporate Governance memerlukan penerapan manajemen risiko yang terpadu dan komprehensif. Dalam rangka mencapai manajemen risiko yang mendukung pencapaian target kinerja dan mampu menjaga kelangsungan usaha, diperlukan strategi manajemen risiko yang proaktif yang dapat meningkatkan efektivitas penggunaan modal dan tingkat pengembangan modal return on equityROE sehingga dapat memberikan nilai tambah bagi pemegang saham, mengantisipasi ketentuan baru yang mengarah pada best practice, meningkatkan kepercayaan pemegang saham dan stakeholders lainnya serta meningkatkan bisnis pada tingkat optimal. The increasing need for sound and integrated Bank management Good Corporate Governance requires the implementation of integrated and comprehensive risk management. In order to achieve risk management that supports the achievement of performance target and ability to maintain business continuity, proactive risk management strategy which can increase the effectiveness of capital expenditures and return on equity ROE is needed in order to provide additional value to shareholders, to anticipate new regulations that lead to best practices, to increase the trust of shareholders and other stakeholders as well as to increase the business to its optimum level. LAPORAN TAHUNAN 2013 BANK BRI AGRO 312 Indonesian language. PT BANK RAKYAT INDONESIA AGRONIAGA Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain PT BANK RAKYAT INDONESIA AGRONIAGA Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and for the Year Then Ended Expressed in thousands of Rupiah, unless otherwise stated 102 33. MANAJEMEN RISIKO lanjutan 33. RISK MANAGEMENT continued Untuk mencapai tujuan di atas dan sejalan dengan Peraturan Bank Indonesia No. 1125PBI2009 tanggal 1 Juli 2009 mengenai Perubahan Peraturan Bank Indonesia No. 582003 tanggal 19 Mei 2003 tentang Penerapan Manajemen Risiko Bagi Bank Umum serta Surat Edaran Bank Indonesia No. 1323DPNP tanggal 25 Oktober 2011 perihal Perubahan atas Surat Edaran Bank Indonesia No. 521DPNP tanggal 29 September 2003 perihal Penerapan Manajemen Risiko bagi Bank Umum, perlu dibangun kesadaran dan budaya manajemen risiko terpadu integrated risk management culture yang difokuskan pada efektivitas penerapan tata kelola dan kerangka kerja manajemen risiko meliputi pengawasan aktif manajemen Bank, kecukupan kebijakan dan prosedur serta penetapan limit risiko, proses identifikasi, pengukuran, pemantauan dan pengendalian risiko Bank serta integrasi sistem informasi di Bank. To achieve the above objectives and in line with Bank Indonesia Regulation No. 1125PBI2009 dated July 1, 2009 concerning the amendment to Bank Indonesia Regulation No. 582003 dated May 19, 2003 on the Implementation of Risk Management for Commercial Banks and Bank Indonesia Circular Letter No. 1323DPNP dated October 25, 2011 on Amendment of Bank Indonesia Circular Letter No. 521DPNP dated September 29, 2003 on Implementation of Risk Management for Commercial Banks, it is necessary to build awareness and integrated risk management culture which focused on the effectiveness of the corporate governance implementation and risk management framework, including active monitoring of bank’s management, adequacy of policies and procedures and risk limit setting, identification process, measuring, monitoring and controlling of the bank’s risks as well as information systems integration within the Bank. Penerapan manajemen risiko di Bank telah dituangkan dalam beberapa kebijakan dan prosedur, antara lain Kebijakan Umum Manajemen Risiko KUMR. KUMR berperan sebagai aturan tertinggi dalam implementasi manajemen risiko pada seluruh kegiatan bisnis Bank, yang meliputi kebijakan, strategi, organisasi, sistem informasi manajemen risiko, pengawasan risiko, pengelolaan produk dan aktivitas baru dan Business Continuity Plan BCP. Proses penerapan manajemen risiko yang meliputi identifikasi, pengukuran, pemantauan, pengelolaan dan pengendalian terhadap 8 delapan risiko yaitu risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko kepatuhan, risiko strategis, risiko hukum dan risiko reputasi. Implementation of risk management in the Bank has been set in several policies and procedures, such as Risk Management General Policy KUMR. KUMR is the supreme rule in the implementation of risk management in all business activities of Bank, covering the policies, strategy, organization, risk management information system, risk control, management of new products and activities and Business Continuity Plan BCP. Risk management implementation process includes identification, measurement, monitoring, management and control of the 8 eight types of risk which are credit risk, market risk, liquidity risk, operational risk, compliance risk, strategic risk, legal risk and reputational risk. Penilaian Profil Risiko sesuai dengan PBI No.131PBI2011 tanggal 05 Januari 2011 tentang Penilaian Tingkat Kesehatan Bank Umum dan SE BI No. 1323DPNP tanggal 25 Oktober 2011 perihal Perubahan atas Surat Edaran No. 521DPNP perihal Penerapan Manajemen Risiko bagi Bank Umum dilakukan terhadap risiko yang melekat inherent risk dan kualitas penerapan manajemen risiko melalui proses self asessment pada seluruh aktivitas bisnis Bank yang mencakup 8 delapan risiko. Risk profile assessment in accordance with PBI No. 131PBI2011 dated January 5, 2011 on The Soundness Rating of Commercial Banks and SE BI No. 1323DPNP dated October 25, 2011 on Amendment to Circular Letter No. 521DPNP on Application of Risk Management for Commercial Banks is done on inherent risk and the implementation quality of risk management through the entire process of self asessment in all of the Banks business activities which includes 8 eight types of risk.