RISK MANAGEMENT continued III. Profil Risiko lanjutan

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2014 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 134 41. MANAJEMEN RISIKO lanjutan 41. RISK MANAGEMENT continued

III. Profil Risiko lanjutan

III. Risk Profile continued 2. Risiko Pasar lanjutan

2. Market Risk continued Risiko Nilai Tukar lanjutan

Foreign Exchange Risk continued 2013 Kenaikan penurunan dalam basis poin Increasedecrease in basis points Sensitivitas dalam laporan laba rugi Sensitivity of profit or loss Mata uang Currency Dolar Amerika Serikat 1010 2.163,572.163,57 United States Dollar Poundsterling Inggris 1010 155,36155,36 Great Britain Poundsterling Euro Eropa 1010 179,43179,43 European Euro 3. Risiko Likuiditas 3. Liquidity Risk Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk memenuhi kewajiban yang jatuh tempo dari sumber pendanaan arus kas danatau dari aset likuid berkualitas tinggi yang dapat diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan Bank. Liquidity risk is the risk of the Bank to respond mismatches of maturing liabilities from financing sources cashflow andor from high-quality liquid assets that can be pledged, without affect the activities and financial condition of the Bank. Kunci pengukuran yang digunakan oleh Bank untuk mengelola risiko likuiditas adalah dengan menggunakan analisis gap dan rasio-rasio likuiditas seperti rasio aset dan liabilitas lancar, rasio deposan inti, rasio Loan to Deposit LDR, serta dengan memantau posisi bersih arus kas dalam jangka waktu 1 satu hari sampai dengan 3 tiga bulan ke depan dan aktivitas pendanaan antar bank. Bank melakukan pemantauan atas pengelolaan risiko likuiditas melalui perkembangan profil risiko likuiditas setiap bulan yang dilaporkan kepada Dewan Komisaris dan Direksi. The measurement keys used by the Bank for managing its liquidity risk are by using gap analysis and liquidity ratios such as the ratio of current assets and liabilities, the ratio of core depositors, Loan to Deposit Ratio LDR, as well as by monitoring the position of net cash flows in the period of 1 one days to 3 three months and interbank financing activities. The Bank conducts monitoring on its liquidity risk management through the development of liquidity risk profile on monthly basis which are reported to the Boards of Commissioners and Directors. Beberapa langkah telah diambil dalam mengelola risiko likuiditas, seperti dari sisi aset, strategi pembelian instrumen keuangan yang berkualitas tinggi dan berisiko rendah untuk posisi trading book, available-for-sale dan held-to-maturity, memelihara posisi aset lancar, dan menjaga saldo Giro Wajib Minimum GWM sesuai ketentuan Bank Indonesia. Sementara di sisi kewajiban, strategi memelihara komposisi Current Account Savings Account CASA terhadap jumlah deposito dan melakukan analisis terhadap jenis-jenis liabilitas dan jangka waktunya. Some steps have been taken to manage liquidity risk, such as in terms of assets, purchasing strategy of high quality and low risk financial instruments for trading positions, available-for-sale and held-to- maturity, maintaining the position of current assets and maintaining the Minimum Statutory Reserves GWM according to Bank Indonesia regulation. While on the liabilities side, the strategy of maintaining the Current Account Savings Account CASA composition to total deposits and conducting analysis to the types of liabilities and its terms.