Membangun integritas insan bank bjb melalui pengelolaan

annual report 2016 361 Growing Together with new expanding opportunities Hasil Penilaian Sendiri Self Assessment Pelaksanaan GCG self assessment of GcG implementation • bank bjb telah membentuk komite-komite di bawah Dewan Komisaris Komite audit, Komite Manajemen risiko, Komite remunerasi dan nominasi, Komite pemantau Bisnis dan perkreditan dan Komite Tata Kelola Terintegrasi yang anggotanya memiliki kompetensi sesuai bidang kerjanya masing-masing; • bank bjb telah membentuk Satuan Kerja audit Internal, Satuan Kerja Kepatuhan dan Satuan Kerja Manajemen risiko dengan Sumber Daya Manusia yang kompeten dan mampu bekerja secara independen terhadap unit kerja bisnis dan operasional; • bank bjb telah mempunyai kebijakan serta prosedur yang memadai bagi seluruh kegiatan usaha bank bjb seperti Kebijakan perkreditan, Kebijakan Manajemen risiko dan sebagainya; • bank bjb telah memiliki kebijakan, sistem dan prosedur tertulis yang memadai dalam rangka penyediaan dana kepada pihak terkait dan penyediaan dana besar, berikut monitoring serta penanganan dalam hal terjadi non performing loan; • bank bjb telah memiliki pedoman GCG yang berisi kebijakan-kebijakan yang menunjang kegiatan operasional bank bjb, sehingga dapat mewujudkan suatu tata kelola perusahaan yang baik; • bank bjb telah memiliki pedoman Benturan Kepentingan untuk dapat menangani situasi benturan kepentingan yang dihadapi, dalam rangka menjalankan kegiatan usahanya; • bank bjb telah memiliki Standar pelaksanaan Fungsi audit Intern Bank SpFaIB sebagai dasar dalam penerapan fungsi audit Internal; • bank bjb telah menyusun Laporan pelaksanaan GCG pada setiap akhir tahun buku dengan cakupan sesuai ketentuan yang berlaku; • bank bjb telah menyusun rencana Bisnis Bank secara realistis, komprehensif, terukur achievable dengan memperhatikan prinsip kehati- hatian serta responsif terhadap setiap perubahan internal maupun eksternal; • Terdapat penguatan Fungsi Kepatuhan khususnya Budaya Kepatuhan melalui pelaksanaan fungsi quality assurance dengan menetapkan compliance sheet dan compliance checklist di dalam kegiatan operasional bank bjb yang dilakukan secara konsisten serta memperhatikan prinsip- prinsip tata kelola yang baik dan azas-azas perbankan yang sehat. • bank bjb has formed committees under the Board of Directors audit Committee, risk Management Committee, remuneration and nomination Committee, Business and Credit Monitoring Committee, and Integrated Governance Committee in which members have appropriate competencies in their respective field of work. • bank bjb has formed the Internal audit unit, Compliance unit and the risk Management unit with competent human resources who are able to work independently from the business and operational units. • bank bjb has possessed adequate policies and procedures for all of bank sms banking activities such as Credit policy, risk Management policy and so on. • bank bjb has established adequate policies, systems and written procedures in relation to the provision of funds to related parties and large exposures, as well as monitoring and treatment in the event of non-performing loans. • bank bjb has established the Guidelines on GCG, which contains policies that support the operations of bank bjb, so as to create good corporate governance. • bank bjb has established the Guidelines for Conflict of Interest in order to handle conflict of interest encountered in the Company’s business operations. • bank bjb has the Bank Internal audit Standards SpFaIB as the basis for the implementation of the Internal audit function. • bank bjb has prepared the GCG implementation report at the end of each fiscal year in accordance with the applicable regulations. • bank bjb has established a realistic, comprehensive, measurable achievable Business plan with regard to the prudence principle as well as responsiveness to internal and external changes. • Strengthening of the Compliance Function in particular the Compliance Culture through the quality assurance function by formulating the compliance sheet and compliance checklist in bank bjb ’s operations, which is performed consistently and with regard to the principles of good corporate governance and the principles of sound banking.

b. GOVERNANCE PROCESS 1. Faktor-faktor positif aspek governance process bank bjb adalah:

• Dewan Komisaris melaksanakan rapat-rapat untuk memberikan rekomendasi kepada Direksi dalam rangka melaksanakan fungsi dan tanggung jawabnya. rapat tersebut dilakukan antara lain untuk memastikan terselenggaranya pelaksanaan prinsip-prinsip GCG dalam setiap kegiatan usaha bank bjb pada seluruh tingkatan atau jenjang organisasi. Dalam melakukan tugas pengawasan, Dewan Komisaris telah mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan strategis bank bjb; • Komite-komite yang berada di bawah Dewan Komisaris telah menjalankan tugasnya secara independen dan telah memberikan analisa yang memadai serta rekomendasi kepada Dewan Komisaris; • Direksi mengelola bank bjb sesuai kewenangan dan tanggung jawabnya serta bertanggung jawab penuh atas pelaksanaan kepengurusan bank bjb ; • Direksi menyusun Rencana Bisnis Bank secara realistis, komprehensif, terukur achievable atas dasar kajian yang komprehensif dengan memperhatikan peluang bisnis dan kekuatan yang dimiliki oleh bank bjb serta mengidentifikasikan kelemahan dan ancaman yang ada SWOT Analysis; • Direksi menindaklanjuti temuan dan rekomendasi dari hasil pemeriksaan Satuan Kerja audit Internal, auditor eksternal, hasil pengawasan otoritas Jasa Keuangan danatau Badan pemeriksa Keuangan yang ditindaklanjuti dengan pemberian arahan terkait temuan dan rekomendasi tersebut; • Satuan Kerja Kepatuhan membuat dan menjalankan langkah-langkah dalam rangka menciptakan Budaya Kepatuhan pada setiap jenjang organisasi;

b. GOVernance PrOcess 1. positive factors of governance process aspect of bank bjb are:

• The Board of Commissioners conducts meetings to provide recommendations to the Board of Directors in carrying out its functions and responsibilities. The meetings were performed, among others, to ensure the implementation of good corporate governance principles in all of the business activities of bank bjb at all levels of the organization. In performing supervisory duties, the BoC directs, monitors and evaluates the implementation of bank bjb’s strategic policies; • The Committees under the Board of Commissioners carry out their duties independently and provide adequate analysis and recommendations for the Board of Commissioners; • The Board of Directors manages bank bjb based on their authorities and responsibilities and is fully responsible for the management of the bank bjb; • The Board of Directors establishes a realistic, comprehensive, measurable achievable Business plan based on a comprehensive study by taking into account business opportunities as well as bank bjb strength, weaknesses and threats SWoT analysis; • The Board of Directors follows up the findings and recommendations of the Internal audit unit, the external auditor, the result of monitoring from the Financial Services authority andor the national audit Board, followed by the provision of relevant directives of the findings and recommendations; • The Compliance unit establishes and performs measures to create a Culture of Compliance at every level of the organization; PENINGKATAN KUALITAS GOOD CORPORATE GOVERNANCE SECARA BERKELANJUTAN conTinouS gooD coRPoRaTe goveRnance QualiTy iMPRoveMenT