RISK MANAGEMENT continued Prospektus Bank Victoria(3)

PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2016 DAN 2015 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2016 AND 2015 Expressed in thousands Rupiah unless otherwise stated Lampiran – 595 – Schedule 48. MANAJEMEN RISIKO lanjutan

48. RISK MANAGEMENT continued

Pelaksanaan fungsi manajemen risiko meliputi hal- hal terkait dengan upaya identifikasi, pengukuran, pematauan, dan pengendalian risiko termasuk pengembangan teknologi dan sistem informasi manajemen di setiap jenis risiko, serta peningkatan kualitas sumber daya manusia dalam pengelolaan risiko. Risk management function includes identification, assessment, measurement, monitoring and risk controls, including development of technology and management information system in each risk, and improvement of human resource quality in risk management. Dalam menunjang penerapan manajemen risiko, Bank senantiasa berupaya meningkatkan pengawasan aktif Dewan Komisaris dan Direksi, antara lain melalui unit kerja dan komite untuk menunjang proses pengendalian risiko. Hal ini diwujudkan dengan adanya Satuan Kerja Manajemen Risiko SKMR di bawah wadah Komite Manajemen Risiko yang berwenang dan bertanggung jawab dalam menyusun dan menetapkan kebijakan manajemen risiko serta perubahannya termasuk strategi manajemen risiko dan contingency plan apabila kondisi eksternal tidak normal terjadi. In supporting the implementation of risk management, the Bank continuously improves the active monitoring from the Boards of Commissioners and Directors, including establishing several permanent working units and committee to support risks control process. This is implemented by establishing Risk Management Working Unit SKMR under Risk Management Committee who authorize and responsible to prepare and decide risk management policy and its changes including risk management strategy and contingency plan if an abnormal condition happens. Selain hal tersebut di atas, terdapat komite lain yang bertugas untuk menangani risiko secara lebih spesifik, yaitu antara lain Komite Kredit Tingkat Direksi KKD, Assets Liabilities Committee ALCO, Komite Teknologi Sistem Informasi, sedangkan pada level Dewan Komisaris terdapat Komite Pemantau Risiko, Komite Nominasi dan Remunerasi, Komite Audit dan Komite Tata Kelola Terintegrasi. Besides the above matters, there are other committee to handle more specific risks, such as Credit Committee at Board of Directors level KKD, Assets Liabilities Committee ALCO, Information System Technology Committee, whereas at the Board of Commissioners level, there are Risk Monitoring Committee, Nomination and Remuneration Committee, Audit Committee and Integrated Corporate Governance Commitee. Semua Dewan Komisaris dan Direksi telah mengikuti Ujian Sertifikasi Manajemen Risiko yang diselenggarakan oleh Badan Sertifikasi Manajemen Risiko dan Lembaga Sertifikasi Profesi Perbankan. All of the Boards of Commissioners and Directors passed the examination of Risk Management Certification that was held by the Board of Risk the Management Certification and Banking Professional Certification Institute. Seiring dengan perkembangan globalisasi dan teknologi informasi, Lembaga Jasa Keuangan LJK merupakan salah satu industri yang memiliki sistem keuangan yang sangat kompleks, dinamis, dan saling terkait antar masing-masing sektor jasa keuangan baik dalam produk dan kelembagaan, maupun kepemilikan yang menyebabkan meningkatnya eksposur risiko. Menghadapi kondisi tersebut, penerapan manajemen risiko akan dilakukan secara terintegrasi dengan memperhatikan seluruh risiko, baik yang berasal dari perusahaan anak dan perusahaan terelasi sister company, maupun entitas lainnya yang tergabung dalam suatu konglomerasi keuangan. As a response with the development of globalization and information technology, Financial Services Institution LJK is one of industry which has a complex, dynamic and inter-related between each financial sector, both in product and organization, and ownership which can increase the risk exposure. Facing this circumstances, the implementation of risk management will be be performed integratedly by concerning all the risks, including from subsidiary and sister companies, and other financial ntities included in one financial conglomeration. 429 PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2016 DAN 2015 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2016 AND 2015 Expressed in thousands Rupiah unless otherwise stated Lampiran – 596 – Schedule 48. MANAJEMEN RISIKO lanjutan

48. RISK MANAGEMENT continued