Pemberian dana untuk kegiatan sosial dan kegiatan politik
Laporan Tahunan 2016 |
BANKALTIM
289
2016 annual report |
BANKALTIM
• Kebijakan rencana kelangsungan usaha business continuity plan atau
business continuity management. c. Kecukupan proses identifkasi,
pengukuran, pemantauan, dan pengendalian risiko serta Sistem
Informasi Manajemen Risiko Kegiatan proses identiikasi,
pengukuran, pemantauan, dan pengendalian risiko bank dinilai cukup
memadai.
• Proses identiikasi yang dilakukan dengan melakukan analisis
karakteristik Risiko yang melekat pada Bankdan Risiko dari produk
dan kegiatan usaha Bank.
• Proses pengukuran yang diterapkan oleh Bank masih bersifat standar
sesuai dengan ketentuan Otoritas Jasa Keuangan dan bank belum
mengembangkan pengukuran dengan metode internal, Untuk
melengkapi system pengukuran Risiko dengan cara melakukan Stress
testing dengan menggunakan skenario tertentu guna melihat
sensivitas kinerja bank.
• Proses pemantauan risiko telah dituangkan dalam suatu prosedur
pemantauan risiko dan berjalan cukup efektif.
• Proses pengendalian risiko disesuaikan dengan eksposure risiko
maupun tingkat risiko yang akan diambil Bank, diantaranya dengan
metode mitigasi risko.
• Sistem informasi manajemen risiko Bank dinilai masih cukup memadai
dan terus dilakukan penyempurnaan didalam pelaksanaannya serta tepat
waktu.
d. Sistem pengendalian intern yang menyeluruh
Proses sistem pengendalian intern Bank cukup efektif ditandai dengan
berjalannya antara lain:
• Penetapan wewenang dan tanggung jawab untuk pemantauan
kepatuhan kebijakan, prosedur, dan limit;
• Policy of business continuity plan business continuity plan or business
continuity management. c. The adequacy of the process of
identiication, measurement, monitoring, and controlling risks as well as the Risk
Management Information System. Activities of identiication, measurement,
monitoring, and controlling bank risk was considered good enough.
• The identiication process carried out by did risk characteristic analysis
attahced in Bank and risk of Bank’s product and business activites.
• The measuring process applied by the Bank is still considered standard
in accordance with Otoritas Jasa Keuangan and the bank has not
developed measurment by internal method, To complete the risk
measurement system by conducting stress testing by using certain
scenario to see the sensitivity of Bank’s performance.
• The process of risk monitoring have been set out in a risk monitoring
procedure and runs quite efective. • The process of risk control and risk
exposure is adjusted to risk exposure and risk lavel to be taken by the
Bank,such as by mitigation method.
• Bank risk management information system is still considered adequate and
is being continously improved in its implementation as well as punctual.
d. Comprehensive internal control system The process of the Bank’s internal control
system is efective, marked by the implementation of:
• Determination of authority and responsibility for monitoring
compliance to policies, procedures and limits;