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bank bjb Lapor an Tahunan
20 15 Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
B. Kecukupan Permodalan
Sebagai salah sat u pengungkapan Basel II Pilar III, Bank Indonesia t elah mener bit kan Sur at Edar an
Bank Indonesia Nomor 14 37 DPNP t anggal 27 Desember 20 12 per ihal Kewajiban Penyediaan Modal
Minimum sesuai Pr of il Risiko dan Pemenuhan Capit al
Equivalency Maint ained Asset s CEMA. Sehubungan hal t er sebut , bank t elah mengembangkan dan
mener apkan met odologi unt uk pener apan Int er nal
Capit al Adequacy Assessment Pr ocess ICAAP dimana met odologi t er sebut t elah dibahas dan
diset ujui dalam Komit e Manajemen Risiko bank bjb. Lapor an r asio kecukupan penyediaan modal
minimum sesuai Pr of il Risiko dilapor kan secar a ber kala kepada Dewan Komisar is dan Dir eksi sebagai
salah sat u bent uk kepat uhan t er hadap ket ent uan Sur at Edar an Bank Indonesia t er sebut .
Pengukur an int er nal yang dilakukan bank t elah memper hit ungkan Pilar I dan Pilar II yait u r asio
kecukupan modal bank minimum sesuai pr of il r isiko baik secar a individual maupun konsolidasi
di bulan Desember 20 15 mencapai 9.29 dimana hasil pengukur an pr of il r isiko bank pada per iode
t er sebut ber ada pada level per ingkat komposit Low t o Moder at e. Pada posisi bulan Desember 20 15, r asio
kecukupan modal bank baik secar a individual maupun konsolidasi mencapai 15.85 dan 15.89 sehingga
r asio kecukupan modal bank t er sebut ber ada diat as ket ent uan r asio kecukupan modal bank minimum
sesuai pr of il r isiko bank yait u 9.29. Sejalan t elah dit er bit kannya PBI Nomor 15 12
PBI 20 13 t anggal 12 Desember 20 13 per ihal Kewajiban Penyediaan Modal Minimum, saat ini bank t elah
memper siapkan inf r ast r ukt ur yang baik dan ef ekt if dalam r angka memast ikan implement asi PBI
t er sebut t idak mengganggu ekspansi bisnis dan akt ivit as oper asional bank bjb. Sesuai PBI t er sebut ,
bank har us menyediakan r asio kecukupan modal minimum sesuai pr of il r isiko bank dit ambah dengan
Capit al Conser vat ion Buf f er , Count er cylical Buf f er dan
Capit al Sur char ge unt uk D-SIB Domest ic
B. Kecukupan Permodalan
As one of t he Basel II Pillar II disclosur e, Bank Indonesia has issued t he Cir cular Let t er of Bank Indonesia
No. 14 37 DPNP dat ed 27 December 20 12 on t he Minimum Capit al Requir ement in accor dance t o t he
Pr of ile Risk and Compliance of Capit al Equivalency Maint ained Asset s CEMA. In r elat ions, t he bank
has developed and implement ed a met hodology f or t he implement at ion of t he Int er nal Capit al
Adequacy Assessment Pr ocess ICAAP in which t he met hodology has been discussed and appr oved by
t he Risk Management Commit t ee of bank bjb. The minimum capit al adequacy r epor t s in accor dance t o
t he Risk Pr of ile ar e r epor t ed r egular ly t o t he Boar d of Commissioner s and Boar d of Dir ect or s as a f or m
of compliance wit h t he pr ovisions of t he Cir cular Let t er of Bank Indonesia.
Int er nal measur ement s car r ied out by t he bank has account ed f or Pillar I and Pillar II namely t he
minimum capit al adequacy r at io cor r esponds t o t he r isk pr of ile bot h individually or consolidat ed
in December 20 14 r eaching 10 .28 in which t he r esult s of t he bank’s r isk pr of ile measur ement s
of t he per iod is at t he composit e r anking level of Moder at e. At t he December 20 14 posit ion, bot h t he
individual and consolidat ed capit al adequacy r at io of t he bank r eached 16.39 and 16.35, hence t he bank’s
capit al adequacy r at io is above t he pr ovisions of t he minimum capit al adequacy r at io in accor dance t o t he
r isk pr of ile of t he bank, which is 10 .28. Cor r esponding t o t he issuance of PBI No. 15 12
PBI 20 13 dat ed 12 December 20 13 on t he Minimum Capit al Requir ement , cur r ent ly bank bjb has
pr epar ed good and ef f ect ive inf r ast r uct ur es in or der t o ensur e t he implement at ion of t he PBI
does not int er f er e wit h it s business expansion and oper at ional act ivit ies. In accor dance t o t he PBI, t he
bank shall pr ovide a minimum capit al adequacy r at io t hat is appr opr iat e wit h t he r isk pr of ile of t he
bank in addit ion t o Capit al Conser vat ion Buf f er , Count er cylical Buf f er and Capit al Sur char ge f or
