TRANSAKSI DENGAN PIHAK-PIHAK BERELASI TRANSACTIONS WITH RELATED PARTIES

Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 180 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Bank melakukan stress testing secara berkala untuk menilai kecukupan modal dalam hal terjadinya kejadian-kejadian risiko yang bersifat ekstrim atau catastrophy. Bank juga telah melakukan kaji ulang terhadap Pedoman Kebijakan Manajemen Risiko PKMR guna meningkatkan fungsi risk control system minimal 1 satu tahun sekali. Untuk selanjutnya, berkaitan dengan rencana implementasi Basel III Bank telah melakukan persiapan penerapan kerangka kerja Basel III dan terlibat di dalam working group masing-masing jenis risiko di bawah koordinasi Otoritas Jasa Keuangan. The Bank conducts periodic stress testing to assess capital adequacy in anticipation of the occurrence of risk events that are extreme or catastrophic. The Bank also conducts a review of the RMPM at least once a year in order to improve the function of the risk control system. Henceforth, with regard to the implementation of Basel III, the Bank has a plan to implement the Basel III framework by involving in each types of risk working group in coordination with the Financial Services Authority. Struktur Manajemen Risiko Risk Management Structure Tata kelola risiko Bank yang berlandaskan prinsip GCG terwujud dari terlibatnya seluruh organ Bank dalam pengelolaan manajemen risiko. Hal ini dapat dilihat dari susunan organisasi manajemen risiko Bank. Dewan Komisaris dan Direksi bertanggung jawab untuk memastikan penerapan Manajemen Risiko telah memadai sesuai dengan karakteristik, kompleksitas dan profil risiko Bank. Dewan Komisaris dan Direksi berperan aktif pada proses manajemen risiko dalam rangka memitigasi risiko Bank melalui Kualitas Penerapan Manajemen Risiko yang meliputi tata kelola risiko, kerangka manajemen risiko, proses manajemen risiko, kecukupan sumber daya manusia, dan kecukupan sistem informasi manajemen risiko, serta kecukupan sistem pengendalian risiko. The Bank’s risk governance, which is based on the principles of GCG, involves the entire Bank in managing risks. This can be seen in the composition of the Banks risk management organizational structure. The Board of Commissioners BOC and Board of Directors BOD are responsible for ensuring the proper implementation of risk management in accordance to the characteristics, complexity and risk profile of the Bank. The BOC and BOD play an active role in the risk management process in order to mitigate the risk of the Bank through Quality of Risk Management Implementation which covers risk governance, risk management framework, risk management process, the adequacy of human resources and risk management information systems, as well as the adequacy of risk management systems. Komite Manajemen Risiko Risk Management Committee Komite Manajemen Risiko KMR berperan aktif dalam memberikan pertimbangan-pertimbangan terhadap risiko yang melekat pada kebijakan yang akan ditetapkan Direksi maupun memberikan evaluasi terhadap ketentuan-ketentuan yang dinilai kurang sesuai dengan perkembangan terkini dan perlu dilakukan penyesuaian. KMR terlibat secara aktif dalam melakukan penilaian risiko yang melekat pada setiap produk danatau jasaaktivitas baru sehingga Bank dapat melakukan langkah- langkah mitigasi yang diperlukan. Selain itu apabila dipandang perlu KMR dapat melakukan evaluasi terhadap Pedoman Kebijakan Manajemen Risiko PKMR. The Bank’s Risk Management Committee RMC is actively involved in providing advice on the inherent risks associated to new policies to be established by the BOD and providing evaluation to the regulations that are considered to be outdated and require updating. The RMC is also actively involved in conducting risk measurement of the risks associated to new products andor services to enable the Bank to take the necessary mitigating actions. The RMC may evaluate the RMPM, if necessary. Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 181 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Satuan Kerja Manajemen Risiko Risk Management Division Risk Management Division RMD merupakan Satuan Kerja Manajemen Risiko SKMR pada Bank, dipimpin oleh seorang Kepala Divisi yang bertanggung jawab langsung kepada Risk, Compliance Strategic Director. Struktur organisasi Risk Management Division terdiri dari Market Risk Management Department, Credit Risk Management Department, Operational Risk Management Department dan Risk Officer Coordination Department. Risk Management Division RMD is a Risk Management Working Unit RMWU at the Bank, led by a Division Head that is responsible directly to the Risk, Compliance Strategic Director. The organizational structure of the RMD consists of the Market Risk Management Department, Credit Risk Management Department, Operational Risk Management Department and Risk Officer Coordination Department. Market Risk Management Department berfungsi untuk melakukan pengelolaan Risiko Pasar dan Risiko Likuiditas. Fungsi Credit Risk Management Department melakukan pengelolaan Risiko Kredit sedangkan Operational Risk Management Department berfungsi mengelola Risiko Operasional, Risiko Kepatuhan, Risiko Strategik, Risiko Reputasi dan Risiko Hukum. Setiap Departement Head dibantu oleh Unit Policy Procedure dan Unit Assessment Measurement. Market Risk Management Department is responsible for managing market risk and liquidity risk. Credit Risk Management Department is responsible for credit risk management, while Operational Risk Management Department is responsible for managing operational risk, compliance risk, strategic risk, reputational risk and legal risk. The Department Head is assisted by Policy Procedure Unit and Assessment Measurement Unit. Risk Officer Coordination ROC bertanggung jawab melakukan koordinasi dan supervisi terhadap Risk Officer dalam melakukan pemantauan implementasi manajemen risiko di Bank. Dalam menjalankan fungsi pemantauan risiko, ROC dibantu oleh Risk Superintendent RS pada tingkat Divisi, Regional Risk Superintendent RRS pada tingkat Kantor Wilayah dan Branch Risk Officer BRO di Kantor Cabang di bawah koordinasi Risk Officer Coordination ROC yang bertanggung jawab langsung kepada Kepala Risk Management Division RMD. Risk Officer Coordination ROC has a responsiblity in coordinating and supervising the Risk Officer during monitoring the implementation of risk management in the Bank. In performing risk monitoring functions, ROC assisted by the Risk Superintendent RS at the Division level, the Regional Risk Superintendent RRS at the level of the Regional Office and Branch Risk Officer BRO in the Branch Office under the coordination of Risk Coordination Officer ROC which is directly responsible to the Head of Risk Management Division RMD. RS dan RRS merupakan pejabat yang bertanggung jawab langsung pada ROC dan bertugas melakukan pemantauan implementasi manajemen risiko di Divisi dan Kantor Wilayah Regional Office dengan melakukan proses identifikasi, pengukuran, pemantauan dan merekomendasikan pengendalian risiko kepada Divisi dan Kantor Wilayah dimana RS dan RSS bertugas. BRO adalah pejabat yang bertanggung jawab langsung kepada ROC dan bertugas melakukan pemantauan implementasi manajemen risiko di Kantor Cabang dengan melakukan proses identifikasi, pengukuran, pemantauan dan merekomendasikan pengendalian risiko kepada Kantor Cabang dimana BRO bertugas. RS and RRS is directly responsible to the ROC and is responsible for the monitoring of the implementation of risk management in the Division and Regional Office, including the process of identification, measurement, monitoring and recommending risk controls to the Division and Regional office where the RS and RSS is assigned. The BRO is also directly responsible to the ROC and is responsible for the monitoring of the implementation of risk management at branch offices, including the process of identification, measurement, monitoring and recommending risk controls to the branch office where the BRO is assigned.