Evaluate and analyze bank bjb risk profile report quarterly

annual report 2016 513 Growing Together with new expanding opportunities Warga negara Indonesia, berdomisili di Bandung. Lahir di Garut pada 5 Agustus 1952, saat ini berusia 64 tahun. Menyelesaikan pendidikan di Akademi Fakultas IPPS IKIP Bandung tahun 1980. Meraih gelar Sarjana di bidang Hukum dari Universitas Islam Nusantara pada tahun 1987 dan memperoleh gelar Master of Science MSI di bidang Administrasi Negara dari Universitas Garut pada tahun 2000. Aktif mengikuti pelatihan diantaranya Membangun Key Performance Indicators KPI Direksi-Komisaris dan Implementasi POJK No. 45POJK.032015, Seminar BPDSI, International Risk Management Refreshment Program For Executives , dan Seminar Prospek Perekonomian Nasional 2017 Peluang Dan Tantangan Industri Perbankan. Beliau menjabat sebagai Kepala Dinas Pendapatan dan Pengelolaan Keuangan DPPK Daerah Kabupaten Bandung 2007-2010, dan Komisaris Utama di PT Citra Bangun Selaras 2010-2011. Diangkat sebagai Komisaris Independen Perseroan sejak 25 Juli 2011 berdasarkan akta keputusan RUPS LB No 76 tahun 2011, kemudian diangkat kembali pada 31 Maret 2015 berdasarkan akta keputusan RUPS No 117,118,119 tahun 2015. Citizen of Indonesia, domiciled in Bandung. Born in Garut on 5 August 1952, currently 64 years old. Finished his education at IPPS Faculty Academy, IKIP Bandung in 1980. Obtained Bachelor in Law degree from Universitas Islam Nusantara in 1987 and Master of Science MSI majoring in State Administration from Garut University in 2000. Actively participates in trainings, among others, Developing Key Performance Indicators KPI Directors- Commissioners and Implementation of POJK No.45POJK.032015, BPDSI Seminar, International Risk Management Refreshment Program For Executives, and Seminar of National Economics Prospect 2017, Opportunities and Challenges in Banking Industry. He has previous experience as the Head of Financial Revenue and Management Agency DPPK of Bandung Regency 2007-2010, and as a President Commissioner at PT Citra Bangun Selaras 2010-2011. He has been appointed as the Company’s Commissioner since 25 July 2011 based on EGMS Deed of Resolution No.76 of 2011, and later was reappointed on 31 March 2015 based on GMS Deed of Resolution No.117, 118, 119 of 2015. Yayat Sutaryat anggota Komite pemantau risiko Member of risk Monitoring Committee STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Laporan Tahunan 2016 514 Semakin Berkembang Bersama peluang Baru yang Membentang STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Suwarta Warga negara Indonesia, berdomisili di Bekasi. Lahir di Sukoharjo pada 28 Desember 1971, saat ini berusia 45 tahun. Beliau lulus dari Sekolah Tinggi Akuntansi Negara pada tahun 1994 dan Sarjana EkonomiAkuntansi dari Universitas Satya Negara Indonesia pada tahun 1997. Kemudian Beliau memperoleh gelar Sarjana di Bidang Hukum Bisnis pada tahun 2009 dan gelar Magister Hukum Bisnis dari Universitas Indonesia pada tahun 2006. Saat ini sedang menempuh pendidikan Doktoral di bidang Manajemen Bisnis pada Universitas Brawijaya. Beliau pernah menduduki berbagai jabatan penting antara lain sebagai Direktur Utama Best Parking 2009- 2011, dan Komite Audit KSO Sucofindo Surveyor Indonesia 2010-2012. Saat ini beliau masih menjabat sebagai partner pada Jmt Law House sejak 2003. Diangkat pertama kali sebagai Komisaris Independen pada pada tanggal 23 Maret 2016 berdasarkan akta keputusan RUPS nomor 60. Citizen of Indonesia, domiciled in Bekasi. Born in Sukoharjo on 28 December 1971, currently 45 years old. Graduated from Indonesian State College of Accountancy STAN in 1994 and Bachelor of EconomicsAccounting from Universitas Satya Negara Indonesia in 1997. Then, he obtained Bachelor of Business Law in 2009 and Magister of Business Law from University of Indonesia in 2006. He is currently pursuing Doctoral Degree in Business Management at Brawijaya University. He has previous experience in many important positions, among others, as a President Director at Best Parking 2009- 2011, and a KSO Audit Committee of Sucofindo Surveyor Indonesia 2010- 2012. He is currently a partner at Jmt Law House, beginning in 2003. He was appointed as an Independent Commissioner, the first time, on 23 March 2016 based on GMS Deed of Resolution No.60. anggota Komite pemantau risiko Member of risk Monitoring Committee annual report 2016 515 Growing Together with new expanding opportunities STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Warga negara Indonesia, berdomisili di Bandung Lahir di Tarakan tanggal 18 Desember 1968, saat ini berusia 48 tahun. Diangkat sebagai anggota Komite Pemantau Risiko Perseroan sejak 1 Januari 2014 dan diperpanjang berdasarkan Surat Keputusan Direksi Nomor 1140SKDIR-CS2015 tanggal 04 Januari 2016. Meraih gelar Sarjana di bidang Akuntansi dari Universitas Padjajaran tahun 1987, Magister Akuntansi dari Universitas Gadjah Mada tahun 1998, serta Doktor di bidang Manajemen Bisnis pada Universitas Padjajaran tahun 2004 Beliau menduduki berbagai jabatan penting, antara lain sebagai Staf Ahli KAP Roebiandini S Bidang Keuangan, Konsultan dan Peneliti Akuntansi dan Keuangan dan Sekretaris Program Studi Doktor Ilmu Akuntansi FEB UNPAD. Warga negara Indonesia, berdomisili di Bandung Lahir di Surakarta, pada tanggal 25 Agustus 1956 saat ini berusia 61 tahun. Diangkat sebagai anggota Komite Pemantau Perseroan sejak 28 Juli 2007 dan diperpanjang berdasarkan Surat Keputusan Direksi Nomor 066SKDIR-CS2016 tanggal 28 Juli 2016. Meraih gelar Diploma di bidang Geologi dari Institut Teknologi Bandung pada tahun 1982 dan memperoleh gelar Sarjana di bidang Ekonomi Universitas Padjajaran pada tahun 1983, dan gelar Master of Art di bidang Ekonomi dari Ohio State University pada tahun 1987, serta Doktor di bidang Ekonomi dari University of Oklahoma pada tahun 2001. Beliau menduduki berbagai jabatan penting pada Universitas Padjajaran, antara lain sebagai Dean, Faculty of Economics and Business Padjadjaran University 2012-2016, Vice Dean for Academic Affairs, Faculty of Economics Padjadjaran University 2000 – sekarang Dosen Fakultas Ekonomi, Uniersitas Padjajaran 1983 – sekarang. Indonesian citizen, domiciled in Bandung. Born in Tarakan on December 18, 1968, currently years old. Appointed as a member of the Risk Monitoring Committee of the Company since January 1, 2014 by the Board of Directors Decree and reappointed by No. 1140SKDIR- CS2015 dated January 4, 2016. She holds a Bachelor degree in Accounting from Padjadjaran University in 1987, Master of Accounting from Gadjah Mada University in 1998, and Doctorate in Business Management from Padjadjaran University in 2004. She has held several important positions, including as Finance Expert Staff to KAP Roebiandini S Consultants and Researcher in Accounting and Finance and the Secretary of Doctoral Studies Program of Accounting FEB UNPAD. Indonesian citizen, domiciled in Bandung. Born in Surakarta, on August 25, 1956, currently 61 years old. Appointed as member of the Risk Monitoring Committee of the Company since July 28, 2007 based on the Board of Directors Decree and reappointed by No. 066SKDIR- CS2016 dated July 28, 2016. He holds a Diploma in Geology from the Bandung Institute of Technology in 1982, earned a Bachelor degree in Economics from Padjadjaran University in 1983, and a Master of Art in Economics from Ohio State University in 1987, and a Doctorate in Economics from the University of Oklahoma in 2001. He has held several important positions at Padjadjaran University, among others as Dean of Faculty of Economics and Business Padjadjaran University 2012- 2016, Assistant to Dean for Academic Affairs, Faculty of Economics Padjadjaran University 2000 - present, lecturer at Faculty of Economics Padjadjaran University 1983 - present Tettet Fitrijanti Nury Effendi anggota Komite pemantau risiko Member of risk Monitoring Committee anggota Komite pemantau risiko risk Monitoring Committee Laporan Tahunan 2016 516 Semakin Berkembang Bersama peluang Baru yang Membentang STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg KUalifiKasi PenDiDiKan Dan PenGalaman Kerja KOmiTe PemanTaU risiKO Per 31 Desember 2016, kualifikasi pendidikan dan pengalaman kerja Ketua dan Anggota Komite Pemantau Risiko adalah sebagai berikut. Tabel Kualifikasi Pendidikan dan Pengalaman Kerja Komite Pemantau risiko Table of educational Qualification and Work experience of the risk monitoring committee nama name Pendidikan education Pengalaman Kerja Work experience rudhyanto Mooduto • S1 akuntansi • S2 Bisnis Internasional • Bachelor of accounting • Master of International Business • penasihat Senior BnI Kantor pusat • Direktur utama pT asian hybrid Seed Technologies Indonesia • Direktur utama pT persona prima utama • Senior advisor for BnI head office • president Director of pT asian hybrid Seed Technologies Indonesia • president Director of pT persona prima utama Muhadi • S1 Tehnik Geodesi • S2 perencanaan Wilayah dan Kota • Bachelor of Geodesy engineering • Master of regional and urban planning • Sekretaris Daerah provinsi Banten • Kepala Dinas pengelolaan Keuangan dan aset Daerah DpKaD provinsi Banten • Kepala Dinas pendapatan provinsi Banten • Secretary of Banten province • head of regional Finance and asset Management DpKaD for Banten province • head of Banten provincial revenue office Yayat Sutaryat • S1 hukum • S2 administrasi negara • Bachelor of Law • Master of State administration • Kepala Badan administrasi Keuangan Daerah • Kepala Dinas pendapatan dan pengelolaan Keuangan Daerah • Komisaris utama pT CBS • head of regional Financial administration • head of regional Financial Management and revenue office • president Commissioner of pT CBS Suwarta • S1 akuntansi • S1 hukum ekonomi • S2 hukum Bisnis • S3 Manajemen Bisnis • Bachelor of accounting • Bachelor of economic Law • Master of Business Law • phd of Business Management • Komite audit KSo Sucofindo Surveyor Indonesia • partner JmtLawhouse • Direktur utama Best parking • audit Committee for KSo Sucofindo Surveyor Indonesia • partner at Jmt Lawhouse • president Director of Best parking nury effendi • DIII Geologi • S1 ekonomi • S2 ekonomi • S3 ekonomi • Diploma III Geology • Bachelor of economics • Master of economics • phd of economics • Dean, Faculty of Economics and Business padjadjaran university • Dean for Academic Affairs, Faculty of Economics padjadjaran university • Dosen Fakultas ekonomi, uniersitas padjajaran • Dean, Faculty of economics and Business padjadjaran university • Dean for academic affairs, Faculty of economics, padjadjaran university • Lecturer of Faculty of economics, padjadjaran university Tetet Fitrijanti • S1 akuntansi • S2 akuntansi • S3 Keuangan • Bachelor of accounting • Bachelor of accounting • phd of Finance • Staf ahli Kap roebiandini S Bidang Keuangan • Konsultan dan peneliti akuntansi dan Keuangan • Sekretaris program Studi Doktor Ilmu akuntansi FeB unpaD • expert Staff at Kap roebiandini S in Finance Division • Consultant and researcher of accounting and Finance • Secretary of Doctoral program Study for accounting at FeB unpaD eDUcaTiOn QUalificaTiOn anD WOrK eXPerience Of risK mOniTOrinG cOmmiTTee Per 31 December 2016, education qualification and work experience of the Head and Members of the Risk Monitoring Committee are as follows annual report 2016 517 Growing Together with new expanding opportunities inDePenDensi KOmiTe PemanTaU risiKO Anggota Komite Pemantau Risiko dari pihak independen: 1. Tidak menerima kompensasi dari bank dan anak perusahaan bank, atau afiliasinya, kecuali upah, gaji dan fasilitas lainnya yang diterima berkaitan dengan tugas yang dilaksanakan sebagai anggota Komite Pemantau Risiko; 2. Tidak mempunyai hubungan keluarga maupun bisnis dengan Direksi dan Dewan Komisaris; 3. Tidak mempunyai kedudukan rangkap pada bank dan perusahaan lainnya yang terafiliasi dengan bank; 4. Tidak memiliki tugas, tanggung jawab, dan kewenangan yang menimbulkan benturan kepentingan. Tabel independensi Komite Pemantau risiko Table of the independence of risk monitoring committee aspek independensi independence aspect rudhyanto mooduto muhadi Yayat sutaryat suwarta Tettet fitrijanti Nury Efendi Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi no financial relationship with the Board of Commissioners and Directors √ √ √ √ √ √ Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan ailiasi No management relationship in the company, subsidiaries, or affiliated companies √ √ √ √ √ √ Tidak memiliki hubungan kepemilikan saham di perusahaan No stock ownership relationship in the company √ √ √ √ √ √ Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, danatau sesama anggota Komite Audit No family relationship with the Board of Commissioners, Directors, andor fellow member of the Audit Committee √ √ √ √ √ √ Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah Does not serve as political party officials, or government officials √ √ √ √ √ √ PenGembanGan KOmPeTensi KOmiTe PemanTaU risiKO Sepanjang tahun 2016, anggota Komite Pemantau Risiko Perseroan telah mengikuti berbagai program peningkatan kompetensi berupa pelatihan, workshop, konferensi, seminar, sebagaimana tabel berikut ini: risK mOniTOrinG cOmmiTTee inDePenDence Risk Monitoring Committee members are from independent parties: 1. They do not receive any compensation from the banks and its subsidiaries, or its affiliates, except for wages, salaries and other facilities received relating to tasks performed as a member of the Risk Monitoring Committee; 2. They do not have any family or business relationships with the Board of Directors or the Board of Commissioners; 3. They do not hold dual positions in banks and other companies affiliated with the bank; 4. They do not have duties, responsibilities and authority that may give rise to conflicts of interest. risK mOniTOrinG cOmmiTTee cOmPeTence DeVelOPmenT Throughout 2016, members of the Risk Oversight Committee participated in programs to increase their competence in the form of training, workshops, conferences, seminars, as shown in the following table: STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Laporan Tahunan 2016 518 Semakin Berkembang Bersama peluang Baru yang Membentang Tabel Pengembangan Kompetensi Komite Pemantau risiko Table of risk monitoring committee’s competence Development nama name jabatan Position materi Pengembangan Kompetensi Pelatihan material Development competency Training Waktu dan Tempat Pelaksanaan Time and place implementation Jenis Pelaihan dan Penyelenggara Type of Training and Operator rudhyanto Mooduto Ketua Komite pemantau risiko Asean Global Leadership Program asean Global Leadership program 8 Mei – 13 Mei 2016 pelatihan utama Main Training International risk Management refreshment program for executives International Risk Management refreshment program for executives 15 oktober- 22 oktober 2016 pelatihan utama Main Training Muhadi anggota Komite pemantau risiko Seminar BpDSI BpDSI Seminar 2 april 2016 Softskill Softskill Asean Global Leadership Program asean Global Leadership program 8 Mei – 13 Mei 2016 pelatihan utama Main Training Seminar BpDSI BpDSI Seminar 3 September 2016 Softskill Softskill Yayat Sutaryat anggota Komite pemantau risiko Membangun Key Performance Indicator KpI DireksiKomisaris dan Implementasi poJK no. 45poJK.032015 Building key performance indicator kpi of directorscommissioners and implementation of pojk no. 45pojk.03201 24 – 25 februari 2016 Technical skill Technical skill Seminar BpDSI BpDSI Seminar 2 april 2016 Softskill Softskill International Risk Management refreshment program for executives International risk Management refreshment program for executives 15 oktober- 22 oktober 2016 pelatihan utama Main Training Seminar prospek perekonomian nasional 2017 peluang dan tantangan industri perbankan Seminar of 2017 national economic prospect, opportunities and challenges of banking industry 3 november 2016 Softskill Softskill Suwarta anggota Komite pemantau risiko Bank credit risk measurement, capital and accounting requirements under basel III and IFRS 9 15 agustus 2016 pelatihan utama Main Training Tettet Fitrijanti anggota Komite pemantau risiko - - - nury effendi anggota Komite pemantau risiko - - - raPaT KOmiTe PemanTaU risiKO Ketentuan mengenai rapat Komite Pemantau Risiko diatur dalam Pedoman dan Tata Tertib Kerja Komite Pemantau Risiko, yaitu: 1. Komite Pemantau Risiko mengadakan rapat sekurang- kurangnya dua kali dalam satu bulan, disesuaikan dengan kebutuhan Bank. 2. Rapat Komite Pemantau Risiko dapat mengambil keputusan apabila sekurang-kurangnya dihadiri oleh 51 lima puluh satu per seratus dari jumlah anggota termasuk seorang Komisaris Independen. 3. Keputusan rapat Komite Pemantau Risiko dilakukan berdasarkan musyawarah mufakat. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg risK mOniTOrinG cOmmiTTee meeTinGs The provisions related to the Risk Monitoring Committee meetings are set forth in the Risk Monitoring Committee Working Guidelines and Rules of Conduct, namely: 1. Risk Monitoring Committee holds meetings at least twice a month, tailored to their needs. 2. Risk Monitoring Committee Meeting can make decisions if attended by at least 51 fifty one percent of the members including an Independent Commissioner. 3. Risk Monitoring Committee meetings decisions are based on consensus. annual report 2016 519 Growing Together with new expanding opportunities 4. Apabila dalam musyawarah tidak tercapai kata mufakat, maka pengambilan keputusan dilakukan dengan cara pengambilan suara terbanyak pemungutan suara. 5. Sehubungan dengan pemungutan suara, maka setiap anggota Komite Pemantau Risiko yang hadir berhak memberikan 1 satu suara dan tambahan 1 satu suara untuk setiap anggota Komite Pemantau Risiko yang berasal dari KomisarisKomisaris Independen yang diwakilinya dan dilengkapi dengan surat kuasa. 6. Rapat Komite Pemantau Risiko dipimpin oleh ketua Komite Pemantau Risiko atau anggota Komite Pemantau Risiko yang ditunjuk apabila ketua Komite Pemantau Risiko berhalangan hadir dan dituangkan dengan jelas dalam risalah rapat. 7. Jika dipandang perlu, Komite Pemantau Risiko dapat mengundang pihak lain yang terkait dengan materi rapat dalam rapat Komite Pemantau Risiko. 8. Setiap rapat Komite Pemantau Risiko dituangkan dalam risalah rapat dan ditandatangani oleh seluruh anggota Komite yang hadir serta didokumentasikan dengan baik. 9. Perbedaan pendapat dissenting opinions yang terjadi dalam rapat Komite Pemantau Risiko wajib dicantumkan dalam risalah rapat beserta alasan perbedaan pendapat tersebut. freKUensi Dan TinGKaT KeHaDiran raPaT KOmiTe PemanTaU risiKO Selama tahun 2016, Komite Pemantau Risiko telah menyelenggarakan total 13 tiga belas kali rapat dengan frekuensi dan tingkat kehadiran anggota komite dalam rapat yang disajikan sebagai berikut. Tabel Tingkat Kehadiran rapat Komite Pemantau risiko Table of risk monitoring committee meeting attendance nama name jabatan Position Periode Period Total rapat number of meeting jumlah Kehadiran attendance Persentase Percentage rudhyanto Mooduto Ketua Komite pemantau risiko Chairman of risk Monitoring Committee 31 Maret 2015 sampai dengan tahun ke 4 sejak tanggal diangkat Maret 31, 2015 until the fourth year since appointed date 13 13 100 Muhadi anggota Komite pemantau risiko Member of risk Monitoring Committee 31 Maret 2015 sampai dengan tahun ke 4 sejak tanggal diangkat Maret 31, 2015 until the fourth year since appointed date 13 12 92,31 Yayat Sutaryat anggota Komite pemantau risiko Member of risk Monitoring Committee 31 Maret 2015 sampai dengan tahun ke 4 sejak tanggal diangkat Maret 31, 2015 until the fourth year since appointed date 13 9 69,23 Suwarta anggota Komite pemantau risiko Member of risk Monitoring Committee 23 Maret 2016 sampai dengan tahun ke 4 sejak tanggal diangkat Maret23, 2015 until the fourth year since appointed date 9 5 55,55 4. Where consensus is not reached, then the decision is made by taking a majority vote polling. 5. With respect to voting, each Risk Monitoring Committee member present is entitled to one 1 vote and an additional one 1 vote for each Risk Monitoring Committee member who represents a Commissioner Independent Commissioner and is equipped with a power of attorney. 6. The Risk Monitoring Committee Meeting is chaired by the Risk Monitoring Committee chairman or member appointed if the Risk Monitoring Committee chairman is unable to attend and is set forth clearly in the minutes of the meeting. 7. If deemed necessary, the Risk Monitoring Committee may invite other parties associated with the meeting agenda to attend the Risk Monitoring Committee meeting. 8. Minutes are taken for each Risk Monitoring Committee meeting noted and are signed by all members of the Committee present and are well documented. 9. Dissenting opinions that occurs during the Risk Monitoring Committee meeting shall be included in the meeting minutes with the reasons for such dissent. risK mOniTOrinG cOmmiTTee meeTinG freQUencY anD aTTenDance leVel During 2016, the Risk Monitoring Committee held 13 thirteen meetings with the frequency and level of committee members attendance at the meeting as follows. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Laporan Tahunan 2016 520 Semakin Berkembang Bersama peluang Baru yang Membentang Tettet Fitrijanti anggota Komite pemantau risiko Member of risk Monitoring Committee 01 Januari 2016 sampai dengan 31 Desember 2017 Januari 01, 2016 until Desember 31, 2017 13 13 100 nurry efendi anggota Komite pemantau risiko Member of risk Monitoring Committee 28 Juli 2015 sampai dengan 27 Juli 2017 July 28, 2015 until Juli 27, 2017 13 6 46,15 aGenDa raPaT KOmiTe PemanTaU risiKO Sepanjang tahun 2016, tanggal pelaksanaan, agenda rapat dan peserta rapat Komite Pemantau Risiko, sebagai berikut. Tabel Agenda Rapat Komite Pemantau Risiko Table of meeting agenda of the risk monitoring committee no. Tanggal rapat meeting Date agenda rapat meeting agenda Peserta Rapat meeting Participant 1 21 Januari 2015 21 January 2015 • pembahasan Laporan Root Cause of Credit Risk rCCr; • pembahasan realisasi dan Target periode 31 Desember 2015. • Lain-lain. • root Cause of Credit risk rCCr report Discussion; • Discussion of realization and Target for period of 31 December 2015. • others. • rudhyanto Mooduto • Muhadi • Tettet Fitrijanti 2 05 Februari 2016 5 February 2016 • hasil pemantauan Bisnis dan perkreditan. • Risk Profile bank bjbTriwulan IV 2015. • Lain-lain. • Business and Credit Monitoring results. • Bank bjb risk profile Quarter IV of 2015. • others. • rudhyanto Mooduto • agus hery Subagyo • usman • nury effendi • Tettet Fitrijanti 3 04 Maret 2016 4 March 2016 • pembahasan Tingkat Kesehatan bank bjb Semester II 2015. • pembahasan Kantor Cabang rugi • Lain lain • Discussion on bank bjb health Level for Semester II of 2015. • Discussion on Loss of Branch office • others • rudhyanto Mooduto • Muhadi • Yayat Sutaryat • nury effendi • Tettet Fitrijanti • Divisi Manajemen risiko 4 17 Maret 2016 17 March 2016 • pembahasan Tingkat Kesehatan bank bjb. • pembahasan Kinerja bank bjb periode Februari 2016. • Lain-lain. • Discussion on bank bjb health Level. • Discussion on bank bjb performance for period of February 2016. • others. • rudhyanto Mooduto • Muhadi • Tetet Fitrijani 5 30 Maret 2015 30 March 2015 • pembahasan Indikator profil risiko Yang Berperingkat Moderate 3. • pembahasan Kinerja bank bjb periode 28 Maret 2016. • Lain-lain • Discussion on Moderate-Level risk profile Indicator 3. • Discussion on bank bjb performance for period of 28 March 2016 • others • rudhyanto Mooduto • Yayat Sutaryat • Muhadi • Tettet Fitrijanti 6 21 april 2016 21 april 2016 • pembahasan Mengenai pengaruh potensi risiko hukum dan risiko reputasi terhadap Tingkat Kesehatan bank bjb. • Lain-lain • Discussion on the Impact of potential Legal risk and reputation risk against bank bjb health Level. • others • rudhyanto Mooduto • Muhadi • Yayat Sutaryat • Suwarta • nury effendi • Tettet Fitrijanti 7 05 agustus 2016 5 august 2016 • pembahasan Laporan Risk Profile 2016 • Lain-lain. • Discussion on 2016 risk profile report • others. • rudhyanto Mooduto • Muhadi • Suwarta • nury effendi • Tettet Fitrijanti meeTinG aGenDa Of risK mOniTOrinG cOmmiTTee Throughout 2016, the implementation date, Meeting agenda, and Risk Monitoring Committee Meeting Attendees are as follows. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg annual report 2016 521 Growing Together with new expanding opportunities Tabel Agenda Rapat Komite Pemantau Risiko Table of meeting agenda of the risk monitoring committee no. Tanggal rapat meeting Date agenda rapat meeting agenda Peserta Rapat meeting Participant 8 08 September 2016 8 September 2016 • pembahasan profil risiko Triwulan II 2016. • pembahasan Manajemen risiko dan pemantauan Bisnis Kredit uMKM • Lain-lain. • Discussion on risk profile for Quarter II of 2016. • Discussion on risk Management and MSMe Credit Business Monitoring • others. • rudhyanto Mooduto • Muhadi • Yayat Sutaryat • Suwarta • nury effendi • Tettet Fitrijanti 9 06 oktober 2016 6 october 2016 • pembahasan perkembangan Bisnis dan perkreditan periode September 2016. • pembahasan Stress Test Likuiditas bank bjb dan Tingkat Kesehatan Bank periode Semester I 2016. • Lain-lain. • Discussion on Business and Credit Development for period of September 2016. • Discussion on bank bjb Liquidity Stress Test and Bank health Level for period of Semester I of 2016. • others. • rudhyanto Mooduto • Muhadi • Suwarta • Yayat Sutaryat • nury effendi • Tettet Fitrijanti 10 17 november 2016 17 november 2016 • pembahasan Laporan Risk Profile TW III 2016. • Lain-lain. • Discussion on risk profile report for Quarter III of 2016. • others. • rudhyanto Mooduto • Muhadi • Yayat Sutaryat • Tettet Fitrijanti 11 24 november 2016 24 november 2016 • pembahasan Laporan Stress Test pendirian Bank Banten. • pembahasan profil risiko Triwulan III 2016 • Lain-lain. • Discussion on Bank Banten establishment Stress Test report. • Discussion on risk profile for Quarter III of 2016. • others. • rudhyanto Mooduto • Muhadi • Yayat Sutaryat • Tettet Fitrijanti 12 08 Desember 2016 8 December 2016 • pembahasan hasil Konfirmasi pemeriksaan oJK Tahun 2014. • Lain-lain. • Discussion on 2014 FSa audit Confirmation results. • others. • rudhyanto Mooduto • Muhadi • Suwarta • Yayat Sutaryat • Tettet Fitrijanti 13 14 Desember 2016 14 December 2016 • pembahasan hasil Konfirmasi pemeriksaan oJK Tahun 2014 Kasus pT. pLn dengan pT. nincec Multi Dimensi. • Lain-lain • Discussion on 2014 FSa audit Confirmation results Case of pT. pLn with pT. nincec Multi Dimensi. • others • rudhyanto Mooduto • Muhadi • Yayat Sutaryat • Tettet Fitrijanti laPOran sinGKaT PelaKsanaan KeGiaTan KOmiTe PemanTaU risiKO TaHUn 2016 Sesuai program kerja Komite Pemantau Risiko KPR, maka pada tahun 2016 telah direalisasikan rencana kerja sebagai berikut. 1. Mengevaluasi kecukupan penerapan manajemen risiko dari aspek kebijakan melalui review kecukupan pedoman, perangkat manajemen risiko dan parameter variabel peringkat risiko. 2. Mengevaluasi peringkat risiko berdasarkan Laporan Profil Risiko self assesment dan memberikan rekomendasi berdasarkan hasil evaluasi tersebut kepada Dewan Komisaris. brief rePOrT On THe imPlemenTaTiOn Of risK mOniTOrinG cOmmiTTee acTiViTies in 2016 In accordance with work programs of the Risk Monitoring Committee KPR, in 2016, the work plans were realized as follows. 1. Evaluate the adequacy of risk management implementation of policy aspect through adequacy review of guidelines, risk management tools, and risk rating variable parameters. 2. Evaluate risk level based on self assessment Risk Profile Report and provide recommendation based on such results to the Board of Commissioners. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Laporan Tahunan 2016 522 Semakin Berkembang Bersama peluang Baru yang Membentang 3. Memantau Laporan Tingkat Kesehatan Bank self assesment. 4. Menelaah Liquidity Credit Stress Test. 5. Menelaah Laporan Analisa Root Cause Credit Risk RCCR. 6. Mereview Pedoman Pengukuran Risiko Pasar Likuiditas. 7. Membahas manajemen risiko kredit UMKM Mikro.

8. Membahas kinerja perusahaan anak bank bjb Syariah dan

memberikan rekomendasi kepada Dewan Komisaris melalui Komite Tata Kelola Terintegrasi. 9. Membahas secara spesifik risiko hukum dan risiko reputasi 10. Menyusun laporan KPR triwulanan dan tahunan dan menyusun rencana kerja. 11. Peningkatan kapasitas Ketua dan Anggota KPR melalui Workshop, Seminar, dan Benchmarking. 12. Melaksanakan tugas lain yang diberikan oleh Dewan Komisaris berdasarkan ketentuan peraturan perundang- undangan yang berlaku. KOMITE TATA KELOLA TERINTEGRASI Peraturan Otoritas Jasa Keuangan nomor 18POJK.032014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan guna mengatur pelaksanaan tata kelola terintegrasi bagi Lembaga Jasa Keuangan yang memiliki hubungan kepemilikan danatau pengendalian. Oleh karena itu setiap Lembaga Jasa Keuangan yang tergabung dalam konglomerasi keuangan wajib menerapkan tata kelola secara terintegrasi. Dalam pelaksanaan tata kelola terintegrasi bank bjb telah membentuk Komite Tata Kelola Terintegrasi sebagai pengawasan untuk memberikan rekomendasi atau nasihat dalam pelaksanaan kebijakan termaksud. Dasar PembenTUKan KOmiTe TaTa KelOla TerinTeGrasi Komite Tata Kelola Terintegrasi bank bjb untuk periode tahun 2016 dibentuk berdasarkan: 1. Peraturan Otoritas Jasa Keuangan Nomor 17POJK.032014 tanggal 19 November 2014 tentang Penerapan Manajemen Risiko Terintegrasi Bagi Konglomerasi Keuangan. 2. Peraturan Otoritas Jasa Keuangan Nomor 18POJK.032014 tanggal 19 November 2014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan. 3. Surat Edaran Otoritas Jasa Keuangan nomor 14 SEOJK.032015 tanggal 25 Mei 2015 tentang Penerapan Manajemen Risiko Terintegrasi Bagi Konglomerasi Keuangan. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg 3. Monitor Self Assessment Bank Health Level Report. 4. Analyze Liquidity Credit Stress Test. 5. Analyze Root Cause of Credit Risk RCCR Analysis Report. 6. Review Market Risk Liquidity Measurement Guidelines. 7. Discuss MSME Micro credit risk management. 8. Discuss the performance of subsidiary, bank bjb Sharia, and provide recommendations to the Board of Commissioners through the Integrated Governance Committee. 9. Discuss in specific the legal risk and reputation risk. 10. Prepare quarterly and annually House Loan KPR report and work plan. 11. Increase the capacity of the Head and Members of House Loan KPR through workshops, seminars, and benchmarking. 12. Carry out other duties assigned by the Board of Commissioners under the provisions of the applicable laws and regulations. INTEGRATED GOVERNANCE COMMITTEE Regulation of the Financial Services Authority No. 18 POJK.032014 on the Implementation of Integrated Governance for Financial Conglomerate is to oversee the implementation of integrated governance for Financial Services Institutions having ownership andor control relations. Therefore, every Financial Services Institutions incorporated in financial conglomerate must implement an integrated governance. In the implementation of integrated governance, bank bjb has established an Integrated Governance Committee as a monitoring to provide recommendations or advice in the implementation of such policy. basis Of esTablisHmenT Of inTeGraTeD GOVernance cOmmiTTee Bank bjb’s Integrated Governance Committee for the period of 2016 was established based on: 1. Financial Services Authority Regulation Number 17POJK.032014 dated 19 November 2014 concerning Implementation of Integrated Risk Management for Financial Conglomerate. 2. Financial Services Authority Regulation Number 18POJK.032014 dated 19 November 2014 concerning Implementation of Integrated Governance for Financial Conglomerate. 3. Circular Letter of Financial Services Authority Number 14SEOJK.032015 dated 25 May 2015 concerning Implementation of Integrated Risk Management for Financial Conglomerate. annual report 2016 523 Growing Together with new expanding opportunities 4. Surat Edaran Otoritas Jasa Keuangan nomor 15 SEOJK.032015 tanggal 25 Mei 2015 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan. 5. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 04SKDK2016 tanggal 30 Maret 2016 tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite-Komite. 6. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 05SKDK2016 tanggal 31 Maret 2016 tentang Pembentukan Komite Tata Kelola Terintegrasi. PiaGam KOmiTe TaTa KelOla TerinTeGrasi Komite Tata Kelola Terintegrasi telah memiliki Pedoman dan Tata Tertib Kerja Komite Tata Kelola Terintegrasi KTT berdasarkan Surat Keputusan Dewan Komisaris Nomor 05SKDK2016 tanggal 31 Maret 2016. TUGas Dan TanGGUnG jaWab KOmiTe TaTa KelOla TerinTeGrasi Komite Tata Kelola Terintegrasi memiliki tugas dan tanggung jawab untuk menyusun dan melaksanakan rencana kerja tahunan sesuai arahan Dewan Komisaris dan ketentuan yang berlaku di Bank. Adapun Tugas dan tanggung jawab Komite Tata Kelola Terintegrasi adalah: 1. Mengawasi penerapan tata kelola pada masing-masing Lembaga Jasa Keuangan agar sesuai dengan Kebijakan Tata Kelola Terintegrasi. 2. Memberikan rekomendasi kepada Dewan Komisaris Entitas Utama mengenai pelaksanaan tugas dan tanggung jawab Direksi Entitas Utama atas pelaksanaan Kebijakan Tata Kelola Terintegrasi dan tindak lanjut hasil audit dari pihak internal dan eksternal. 3. Melakukan evaluasi terhadap Kebijakan Tata Terintegrasi yang telah ditetapkan. 4. Mengevaluasi dan menganalisa laporan tata kelola terintegrasi yang diberikan oleh Direksi serta laporan lain. 5. Menyusun dan melaksanakan rencana kerja tahunan Komite Tata Kelola Terintegrasi sesuai arahan Dewan Komisaris dan ketentuan yang berlaku di Bank. 6. Membuat program kerja tahunan. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg 4. Circular Letter of Financial Services Authority Number 15 SEOJK.032015 dated 25 May 2015 concerning Implementation of Integrated Governance for Financial Conglomerate. 5. Decree of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk number 04SKDK2016 dated 30 March 2016 concerning Division of Duties and Implementation of Activity Schedule of the Board of Commissioners and the Committees. 6. Decree of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk number 05SKDK2016 dated 31 March 2016 concerning Establishment of Integrated Governance Committee.. inTeGraTeD GOVernance cOmmiTTee cHarTer Integrated Governance Committee has had Guidelines and Procedure of Integrated Governance Committee KTT based on the Decree of the Board of Commissioners No. 05SK DK2016 dated March 31, 2016. DUTies anD resPOnsibiliTies Of inTeGraTeD GOVernance cOmmiTTee The Integrated Governance Committee has duties and responsibilities to develop and implement annual work plan as directed by the Board of Commissioners and Bank’s applicable provisions. The duties and responsibilities of the Integrated Governance Committee are: 1. Overseeing governance implementation in their respective Financial Services Institutions to comply with the Integrated Governance Policy. 2. Providing recommendations to the Board of Commissioners of the Top Entities concerning the duties and responsibilities of the Directors of the Top Entities on the implementation of Integrated Governance Policy and follow-up of audit results from internal and external parties. 3. Evaluating the predetermined Integrated Governance Policy. 4. Evaluating and analyzing the integrated governance report given by the Directors along with other reports. 5. Preparing and implementing annual work plan of the Integrated Governance Committee as directed by the Board of Commissioners and Bank’s applicable provisions. 6. Establishing annual work program. Laporan Tahunan 2016 524 Semakin Berkembang Bersama peluang Baru yang Membentang 7. Membuat laporan hasil evaluasi dan merekomendasikan kepada Dewan Komisaris paling kurang 1 satu kali dalm setiap Triwulan. WeWenanG KOmiTe TaTa KelOla TerinTeGrasi Komite Tata Kelola Terintegrasi berwenang untuk: 1. Mengakses informasi seluas-luasnya terkait dengan struktur konglomerasi keuangan serta kebijakan, pelaksanaan dan pelaporan Tata Kelola Terintegrasi Bank, dan laporan atau informasi lainnya. 2. Merekomendasikan kepada Dewan Komisaris untuk menunjuk pihak untuk melaksanakan fungsi yang mendukung tugas dan tanggung jawab Dewan Komisaris paling sedikit komite atau fungsi pemantauan audit, dan komite atau fungsi pemantauan kepatuhan. sTrUKTUr, KeanGGOTaan Dan KeaHlian KOmiTe TaTa KelOla TerinTeGrasi Struktur Komite Tata Kelola Terintegrasi terdiri dari: 1. Ketua Komite Tata Kelola Terintegrasi 2. Anggota Komite Tata Kelola Terintegrasi dari Komisaris Independen. 3. Anggota Komite Tata Kelola Terintegrasi dari Komisaris. 4. Anggota Komite Tata Kelola Terintegrasi dari pihak independen. 5. Anggota Komite Tata Kelola Terintegrasi dari Dewan Komisaris bank bjb Syariah. 6. Anggota Komite Tata Kelola Terintegrasi dari Dewan Pengawas PT BPR LPK Intan Jabar. 7. Anggota Komite Tata Kelola Terintegrasi dari Dewan Pengawas PT BPR Karya Utama Jabar. Jumlah dan komposisi Komisaris Independen yang menjadi anggota Komite Tata Kelola Terintegrasi disesuaikan dengan kebutuhan Konglomerasi Keuangan serta efisiensi dan efektivitas pelaksanaan tugas Komite Tata Kelola Terintegrasi dengan memperhatikan paling sedikit keterwakilan masing- masing sektor jasa keuangan. 7. Creating the evaluation report and making recommendation to the Board of Commissioners at least once in every quarter. THe aUTHOriTY Of THe inTeGraTeD GOVernance cOmmiTTee The Integrated Governance Committee is authorized to: 1. Access as much information as possible regarding the structure of financial conglomerates and policies, implementation, and reporting of Bank’s Integrated Governance, and reports or other information. 2. Recommend to the Board of Commissioners to appoint party to perform the functions that support the duties and responsibilities of the Board of Commissioners at least a committee or audit monitoring function, and a committee or compliance monitoring function. inTeGraTeD cOrPOraTe GOVernance cOmmiTTee, sTrUcTUre, membersHiP anD eXPerTise The Integrated Corporate Governance Committee Structure consists of: 1. Integrated Corporate Governance Committee Chairman 2. Integrated Corporate Governance Committee Member from the Independent Commissioners. 3. Integrated Corporate Governance Committee Members from the Board of Commissioners. 4. Integrated Corporate Governance Committee Members from indpendent Parties. 5. Integrated Corporate Governance Committee Members from bank bjb Syariah Board of Commissioners. 6. Integrated Corporate Governance Committee Members from the PT BPR LPK Intan Jabar Supervisory Board. 7. Integrated Corporate Governance Committee Members from the PT BPR Utama Karya Jabar Supervisory Board. The number and composition of the Independent Commissioners who are members of the Integrated Corporate Governance Committee are adapted by taking into account the Financial Conglomerate’s needs as well as for the Integrated Corporate Governance Committee’s efficiency and effectiveness and by considering the representation for each financial services sector. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg annual report 2016 525 Growing Together with new expanding opportunities Struktur, keanggotan dan keahlian Komite Tata Kelola Terintegrasi adalah sebagai berikut. Tabel struktur, Keanggotaan dan Keahlian Komite Tata Kelola Terintegrasi Table of structure, members, and expertise of the integrated Governance committee nama name Jabatan Posiion Keterangan Description Periode Period Keahlian expertise Yayat Sutaryat Ketua Komite Tata Kelola Terintegrasi Chairman of Integrated Governance Committee Komisaris Independen Independent Commissioner 31 Maret 2015 sampai dengan tahun ke 4 sejak tanggal diangkat March 31, 2015 until the fourth year since appointed date hukum dan Keuangan Law and Finance Klemi Subiyantoro anggota Tata Kelola Terintegrasi Member of Integrated Governance Committee Komisaris Independen pelaksana Tugas Komisaris utama Independent Commissioner acting president Commissioner 31 Maret 2015 sampai dengan tahun ke 4 sejak tanggal diangkat March 31, 2015 until the fourth year since appointed date Keuangan dan SDM Finance and human resources rudhyanto Mooduto anggota Tata Kelola Terintegrasi Member of Integrated Governance Committee Komisaris Independen Independent Commissioner 31 Maret 2015 sampai dengan tahun ke 4 sejak tanggal diangkat March 31, 2015 until the fourth year since appointed date perbankan dan Keuangan Banking and Finance Suwarta anggota Tata Kelola Terintegrasi Member of Integrated Governance Committee Komisaris Independen Independent Commissioner 23 Maret 2016 sampai dengan tahun ke 4 sejak tanggal diangkat March 23, 2016 until the fourth year since appointed date hukum Bisnis dan Keuangan Law Business and Finance aldrin herwany anggota Komite Tata Kelola Terintegrasi Member of Integrated Governance Committee pihak Independen Independent party 03 Juni 2016 sampai dengan 02 Juni 2017 Juni 3, 2016 until June 2, 2017 ekonomi economy The Integrated Corporate Governance Committee structure, membership and expertise is as follows. STRUKTUR DAN MEKANISME GCG STRucTuRe anD MechaniSM of gcg Laporan Tahunan 2016 526 Semakin Berkembang Bersama peluang Baru yang Membentang PrOfil KOmiTe TaTa KelOla TerinTeGrasi Yayat Sutaryat Warga negara Indonesia, berdomisili di Bandung. Lahir di Garut pada 5 Agustus 1952, saat ini berusia 64 tahun. Menyelesaikan pendidikan di Akademi Fakultas IPPS IKIP Bandung tahun 1980. Meraih gelar Sarjana di bidang Hukum dari Universitas Islam Nusantara pada tahun 1987 dan memperoleh gelar Master of Science MSI di bidang Administrasi Negara dari Universitas Garut pada tahun 2000. Aktif mengikuti pelatihan diantaranya Membangun Key Performance Indicators KPI Direksi-Komisaris dan Implementasi POJK No. 45POJK.032015, Seminar BPDSI, International Risk Management Refreshment Program For Executives, dan Seminar Prospek Perekonomian Nasional 2017 Peluang Dan Tantangan Industri Perbankan. Beliau menjabat sebagai Kepala Dinas Pendapatan dan Pengelolaan Keuangan DPPK Daerah Kabupaten Bandung 2007-2010, dan Komisaris Utama di PT Citra Bangun Selaras 2010-2011. Diangkat sebagai Komisaris Independen Perseroan sejak 25 Juli 2011 berdasarkan akta keputusan RUPS LB No 76 tahun 2011, kemudian diangkat kembali pada 31 Maret 2015 berdasarkan akta keputusan RUPS No 117,118,119 tahun 2015. Citizen of Indonesia, domiciled in Bandung. Born in Garut on 5 August 1952, currently 64 years old. Finished his education at IPPS Faculty Academy, IKIP Bandung in 1980. Obtained Bachelor in Law degree from Universitas Islam Nusantara in 1987 and Master of Science MSI majoring in State Administration from Garut University in 2000. Actively participates in trainings, among others, Developing Key Performance Indicators KPI Directors- Commissioners and Implementation of POJK No.45POJK.032015, BPDSI Seminar, International Risk Management Refreshment Program For Executives, and Seminar of National Economics Prospect 2017, Opportunities and Challenges in Banking Industry. He has previous experience as the Head of Financial Revenue and Management Agency DPPK of Bandung Regency 2007-2010, and as a President Commissioner at PT Citra Bangun Selaras 2010-2011. He has been appointed as the Company’s Commissioner since 25 July 2011 based on EGMS Deed of Resolution No.76 of 2011, and later was reappointed on 31 March 2015 based on GMS Deed of Resolution No.117, 118, 119 of 2015. Ketua Komite Tata Kelola Terintegrasi Chairman of Integrated Governance Committee PrOfile Of THe inTeGraTeD GOVernance cOmmiTTee