Komite Kebijakan dan Risiko KKR
3. Komite Kebijakan dan Risiko KKR
Dalam rangka meningkatkan kualitas pengelolaan risiko BNI Syariah secara keseluruhan, BNI Syariah membentuk Komite Kebijakan dan Risiko, yang beranggotakan seluruh Direksi, eVP, Pemimpin Divisi Manajemen Risiko, Pemimpin Divisi Audit Internal, Pemimpin Divisi Perencanaan dan Kinerja Strategis, Pemimpin Divisi Produk dan Prosedur Pembiayaan, Pemimpin unit Pembiayaan Khusus, Pemimpin Divisi Kartu Pembiayaan, Pemimpin Divisi hukum, Kepatuhan dan Kesekretariatan, Pemimpin Divisi Tresuri, Dana dan Internasional, Pemimpin Divisi Risiko Pembiayaan, Pemimpin Divisi Jaringan dan layanan, Shariah Financing Approval dan Pemimpin Divisi Komunikasi dan umum. Dalam melaksanakan tugasnya, KKR memiliki kewenangan sebagai berikut: 1. Menetapkan kebijakan dan pengelolaan manajemen risiko diseluruh unit organisasi. 2. Menetapkan kebijakan dan pengelolaan risiko pembiayaan untuk menciptakan kualitas portfolio Pembiayaan yang sehat dan proitable. 6. Control the process of budget changes either in the form of redistribution or reallocation, especially on matters relating to changes in target and strategy in the achievement of the performance. 7. ensure system development, maintenance, standard operating procedures for technology directionconsistent with business strategy master plan development of IT, updated master plan IT, the determination of the standard service level. 8. Review and discuss problems in the IT support in all business units by acting as a mediator for problems that occur between the unit and service level agreements that have not been resolved. 9. ensuring process development and IT changes that has been coordinated in accordance with user requirements monitor project implementation schedule and development MIS 10. ensure review and approval of IT projects afecting the inancial allocations of BNI Syariah. 11. Anticipate overrunviolations and irregularities technology risk by setting a target; adjust policies and strategies for technology development. 12. Review the branch network development plan that impact on investment cost. The duties and responsibilities that have been implemented KMIT in 2010, include: a. Decided on a work plan and budget of the Company in 2010 b. Decided IT Strategic Plan c. Decided on priority projects during the year 20103. Risk and Policy Committee KKR
Parts
» Annual Report BNI Syariah 2010
» Berdirinya Unit Usaha Syariah BNI Pemisahan Spin Of Unit Usaha Syariah BNI
» Aspek eksternal Aspek Internal
» External Aspects Internal Aspects
» The establishment of Syariah Business Unit of BNI Pendanaan
» Funding Annual Report BNI Syariah 2010
» Pembiayaan Financing Annual Report BNI Syariah 2010
» Services Fee-Based Income Neraca
» Balance Annual Report BNI Syariah 2010
» Realisasi Laba Rugi Actual Proit Loss
» Rasio Keuangan Financial Ratios
» 2011 Business Outlook Strategi 2011 Annual Report BNI Syariah 2010
» Komite Remunerasi dan Nominasi KRN
» Remuneration Nomination Committee 2011Strategy
» Komite Audit Audit Committee
» Komite Sumber Daya Manusia KSDM Human Resources Committee KSDM
» Komite Modal, Investasi dan Teknologi KMIT
» Capital, Investment and Technology KMIT Committee
» Komite Kebijakan dan Risiko KKR
» Risk and Policy Committee KKR
» Assets Liabilities Management Committee KALMA
» Komite Aset Liabilities Management KALMA
» Pendirian Bank dan Informasi Umum Bank Establishment and General Information
» Pendirian Bank dan Informasi Umum lanjutan
» Bank Establishment and General Information continued
» Dewan Komisaris, UMUM lanjutan GENERAL continued
» Basis of Financial Statements Presentation
» Basis of Financial Statements Presentation continued
» Transaksi dengan IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Penempatan pada Bank Indonesia Placements with Bank Indonesia
» Current Accounts with Other Bank
» Investasi pada EfekSurat Berharga Investment
» Investment in IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Piutang Murabahah Receivables Murabahah
» Pinjaman Qardh IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Funds of Qardh IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Pembiayaan IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Financing IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Aset yang Diperoleh untuk Ijarah Assets Acquired for Ijarah
» Other Assets IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Kewajiban Segera Obligations Due Immediately
» Simpanan dari Nasabah dan Bank Lain Deposits from Customers and Other Banks
» Dana Syirkah Temporer Temporary Syirkah Funds
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan
» Dana Syirkah Temporer lanjutan Temporary Syirkah Funds continued
» Pendapatan Pengelolaan Dana oleh Bank sebagai Mudharib
» Revenue from Fund Management by The Bank as Mudharib
» Hak Pihak Ketiga atas Bagi Hasil Dana
» Fees and Commisions IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Kewajiban Imbalan Kerja IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Provision for Employee Benefits
» Pajak Penghasilan Income Tax
» Income Tax continued IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Informasi Segmen Segment Information
» Penggunaan Estimasi Use of Estimates
» Sources and Uses of Zakat and Qardhul Hasan Funds
» PEMISAHAN USAHA SPIN-OFF SEPARATION OF BUSINESS SPIN-OFF
» CURRENT ACCOUNT AND PLACEMENT WITH BANK INDONESIA
» GIRO DAN Annual Report BNI Syariah 2010
» CURRENT ACCOUNT AND PLACEMENT WITH BANK INDONESIA continued
» GIRO PADA BANK LAIN CURRENT ACCOUNTS WITH OTHER BANK
» INVESTASI PADA EFEKSURAT BERHARGA lanjutan INVESTMENT IN SECURITIESMARKETABLE
» INVESTASI PADA EFEKSURAT BERHARGA lanjutan
» INVESTMENT IN SECURITIESMARKETABLE Annual Report BNI Syariah 2010
» INVESTMENT IN SECURITIESMARKETABLE PIUTANG MURABAHAH MURABAHAH RECEIVABLES
» PIUTANG MURABAHAH lanjutan MURABAHAH RECEIVABLES continued
» PIUTANG MURABAHAH lanjutan MURABAHAH RECEIVABLES continued PINJAMAN QARDH FUNDS OF QARDH
» PINJAMAN QARDH lanjutan FUNDS OF QARDH continued
» PINJAMAN QARDH lanjutan FUNDS OF QARDH continued PEMBIAYAAN MUDHARABAH MUDHARABAH FINANCING
» Berdasarkan Jangka By Period based on agreement:
» Berdasarkan Jangka PEMBIAYAAN MUSYARAKAH lanjutan MUSYARAKAH FINANCING continued
» Berdasarkan Sisa Umur Jatuh Tempo:
» PEMBIAYAAN MUSYARAKAH lanjutan MUSYARAKAH FINANCING continued
» ASET YANG DIPEROLEH UNTUK IJARAH lanjutan
» ASSETS ACQUIRED FOR IJARAH continued
» BAGI HASIL YANG BELUM DIBAGIKAN UNDISTRIBUTED REVENUE SHARING
» GIRO WADIAH WADIAH DEMAND DEPOSITS
» TABUNGAN WADIAH WADIAH SAVINGS DEPOSITS
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS HUTANG PAJAK TAXES PAYABLE
» HUTANG PAJAK lanjutan TAXES PAYABLE continued
» KEWAJIBAN LAIN-LAIN OTHER LIABILITIES
» TABUNGAN MUDHARABAH MUDHARABAH SAVING DEPOSITS
» TABUNGAN MUDHARABAH lanjutan MUDHARABAH SAVING DEPOSITS continued
» DEPOSITO MUDHARABAH MUDHARABAH TIME DEPOSITS
» DEPOSITO MUDHARABAH lanjutan MUDHARABAH TIME DEPOSITS continued
» MODAL SAHAM lanjutan CAPITAL STOCK continued
» PENDAPATAN DARI JUAL BELI INCOME FROM SALES AND PURCHASE
» PENDAPATAN BAGI HASIL INCOME FROM REVENUE SHARING
» PENDAPATAN DARI SEWA INCOME FROM LEASING
» PENDAPATAN USAHA UTAMA LAINNYA OTHER MAIN OPERATING INCOME
» HAK PIHAK KETIGA ATAS BAGI HASIL DANA SYIRKAH TEMPORER
» THIRD PARTIES’ SHARE ON RETURN OF TEMPORARY SYIRKAH FUNDS
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN GAJI DAN TUNJANGAN SALARIES AND BENEFITS
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» BEBAN PENYISIHAN Annual Report BNI Syariah 2010
» PENDAPATAN NON-OPERASIONAL - BERSIH NON-OPERATING INCOME - NET
» INFORMASI MENGENAI Annual Report BNI Syariah 2010
» INFORMASI MENGENAI KEWAJIBAN IMBALAN KERJA ESTIMATED
» KEWAJIBAN IMBALAN KERJA lanjutan ESTIMATED
» JAMINAN PEMERINTAH Annual Report BNI Syariah 2010
» GOVERNMENT GUARANTEES Annual Report BNI Syariah 2010
» TRANSAKSI PIHAK-PIHAK YANG MEMPUNYAI HUBUNGAN ISTIMEWA
» TRANSACTIONS WITH RELATED PARTIES
» TRANSAKSI PIHAK-PIHAK YANG MEMPUNYAI HUBUNGAN ISTIMEWA lanjutan
» TRANSACTIONS WITH RELATED PARTIES continued
» ANALISA JATUH TEMPO MATURITY ANALYSIS
» ANALISA JATUH TEMPO lanjutan MATURITY ANALYSIS continued
» MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» INFORMASI PENTING LAINNYA OTHER SIGNIFICANT INFORMATION
» INFORMASI PENTING LAINNYA lanjutan OTHER
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