RISIKO KREDIT lanjutan CREDIT RISK continued

465 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 44. RISIKO KREDIT lanjutan 44. CREDIT RISK continued Pengelolaan risiko kredit diterapkan pada tingkat individu pinjaman dan tingkat portofolio. Pada tingkat individu pinjaman, setiap keputusan pemberian kredit dilakukan melalui proses analisis oleh Unit Bisnis dan Unit Risiko Bisnis. Mekanisme persetujuan kredit dilakukan melalui rapat Komite Kredit. Komite Kredit merupakan lembaga pemutus kredit yang berangotakan pemutus dari Unit Bisnis dan Unit Risiko Bisnis, dengan demikian proses pemberian kredit menjadi lebih komprehensif dan hati-hati. Credit risk management is implemented both at the individual borrower and portfolio level. At the individual level, each loan decision is made through a process of analysis by the Business Unit and Credit Risk Unit. The credit approval process mechanism is through a credit committee meeting. The credit committee constitutes the decision maker for credit approval, which consists of representatives from Business Units and representatives from the Credit Risk Unit. Pada tingkat portofolio, setiap tahun sekali ditetapkan Loan Exposure Limit, yaitu diversifikasi portofolio pinjaman berdasarkan industri untuk mengoptimalkan risiko dan pendapatan di masing- masing industri dan mengurangi risiko konsentrasi. At portfolio level, the annual loan exposure limit is determined annually to diversify loan portfolio among different industry sectors in order to optimize risk and return in each sector and to reduce concentration risk. Proses analisis dan persetujuan kredit dilakukan melalui serangkaian proses penilaian tingkat risiko kredit calon debitur, yang diantaranya dengan menggunakan internal rating system untuk kredit produktif dan scoring system untuk kredit konsumtif, sekaligus juga strategi mitigasi risikonya. Hasil proses analisis dan penilaian tingkat risiko kredit kemudian diajukan kepada Komite Kredit untuk mendapatkan persetujuan. Loan analysis and approval process is conducted through several assessment processes of the applicant’s credit risks, i.e. through internal rating system for productive loans and scoring system for consumer loans, followed by the related risk mitigation strategy. The results of the credit’s analysis and risk assessment process will be forwarded to the Credit Committee for approval. Kredit yang bermasalah dikelola oleh UnitDivisi Kredit Khusus agar penyelamatanpenyelesaiannya dapat dilakukan secara lebih baik dan memampukan Unit Usaha untuk dapat fokus pada pengelolaan debitur lancar dan melakukan ekspansi kredit. Non performing loan is managed by a Special Credit UnitDivision to ensure better recovery and settlement, and to enable the Business Unit to focus on the management of performing debtors and loan expansion. Pengembangan manajemen risiko kredit dilakukan secara bertahap sesuai dengan kerangka kerja yang ditetapkan Bank Indonesia. Khusus untuk pengukuran risiko kredit, Bank melakukan standarisasi dengan metodologi standardized approach. Selanjutnya, Bank juga mempersiapkan dan mengembangkan metodologi internal ratings- based approach. Bank masih mempersiapkan parameter risiko kredit, yang nantinya akan digunakan dalam perhitungan risiko kredit seperti Probability of Default, Loss Given Default dan Exposure at Default. The development of credit risk management is conducted in stages, and in line with the framework set by Bank Indonesia. Specifically for measuring credit risk, the Bank utilizes the standardized based approach. Further, the Bank is also preparing and developing internal ratings- based methodology. The Bank is still preparing credit risk parameters, which will be used in the calculation of credit risk such as Probability of Default, Loss Given Default and Exposure at Default. Sistem pengelolaan manajemen risiko kredit Bank telah dibakukan dalam suatu Pedoman Pelaksanaan Manual PP dan dikaji secara periodik. The Bank’s credit risk management system has been formalized in the Operational Guidance Manual OGM and is reviewed periodically. 466 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 44. RISIKO KREDIT lanjutan 44. CREDIT RISK continued