Transaksi Yang Mengandung Benturan Kepentingan
Dewan Pengawas memiliki tanggung jawab diantaranya:
- Menyetujui kebijakan Manajemen
Risiko termasuk strategi dan ekrangka Manajemen Risiko yang ditetapkan sesuai
dengan tingkat risiko yang akan diambil;
- Mengevaluasi kebijakan Manajemen Risiko;
- Mengevaluasi pertanggungjawaban
Direksi dan memberikan perbaikan atas pelaksanaan kebijakan Manajemen Risiko
secara berkala.
Direksi Memiliki tanggung jawab diantaranya: -
Menyusun kebijakan, strategi dan kerangka Manajemen Risiko secara
tertulis dan komprehensif termasuk limit Risiko secara keseluruhan dan per
jenis risiko, dengan memperhatikan lingkungan Risiko yang akan diambil dan
toleransi Risiko sesuai kondisi BPD Kaltim serta memperhitungkan dampak Risiko
terhadap kecukupan permodalan. Setelah mendapat persetujuan dari Dewan
Pengawas maka Direksi menetapkan kebijakan, strategi, dan kerangka
Manajemen Risiko dimaksud.
- Menyusun, menetapkan dan
mengkinikan prosedur dan alat untuk mengidentifikasi, mengukur, memonitor
dan mengendalikan risiko di BPD Kaltim.
- Menyusun dan menetapkan mekanisme persetujuan transaksi termasuk limit dan
kewenangan. - Menetapkan struktur organisasi termasuk
wewenang dan tanggung jawab yang jelas pada setiap jenjang jabatan yang
terkait dengan penerapan Manajemen Risiko.
- Memastikan pelaksanaan langkah-
langkah perbaikan atas permasalahan atau penyimpangan dalam kegiatan
usaha Bank yang ditemukan Satuan Kerja Audit Intern.
- Mengembangkan budaya risiko,
diantaranya dengan mengikutsertakan karyawan atau pejabat untuk mengikuti
sertifikasi manajemen risiko sesuai dengan jenjang jabatannya.
a Kecukupan kebijakan, prosedur, dan penetapan limit
Kebijakan Manajemen Risko memberikan arahan tertulis dalam
Board of Trustees has a responsibility include: - Approve risk management policy, including
strategies and Risk Management framework established in accordance with the level of
risk to be taken; - Evaluate the risk management policy;
- Evaluate the accountability of the Board of Directors and provide improvements for the
implementation of Risk Management policy on a regular basis.
Directors Have responsibilities include: -
Formulate policies, strategies and risk management framework includes a
comprehensive written and limit risk overall and per type of risk, taking into account
environmental risks to be taken and the appropriate risk tolerance BPD Kaltim
conditions and take into account the impact of risk on capital adequacy. After the
approval of the Supervisory Board, the Board of Directors to set the policy, strategy, and Risk
Management framework intended.
- Develop, establish and update the procedures and tools to identify, measure, monitor and
control risks in BPD Kaltim. - Develop and establish mechanisms including
approval of the transaction limit and authority.
- Define the organizational structure including the authority and responsibility are clearly
on every level of the position related to the implementation of Risk Management.
- Ensure the implementation of remedial
measures for problems or irregularities in the Bank’s business activities were discovered by
Internal Audit Unit.
- Developing a culture of risk, including by involving employees or officials to follow risk
management certification in accordance with the level of office.
a The adequacy of policies, procedures, and limit
Management Policy risks in giving a written brief in implementing risk management
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menerapkan Manajemen Risiko yang sejalan dengan visi, misi, strategis
bisnis Bank. Kebijakan dan prosedur didesain dengan memperhatikan
karakteristik dan komplesitas kegiatan usaha, tingkat risiko yang akan diambil,
profil risiko serta yang ditetapkan otoritas danatau praktek perbankan
yang sehat. Kebijakan, prosedur, dan penetapan limit yang telah disusun
oleh bank antara lain adalah:
- Penetapan metode dalam
melakukan identifikasi, pengukuran, pemantauan, dan pengendalian
risiko serta sistem informasi manajemen risiko;
- Penetapan kewenangan dan
besaran limit secara berjenjang termasuk batasan transaksi yang
memerlukan persetujuan Direksi;
- Struktur organisasi yang secara jelas merumuskan peran dan tanggung
jawab Dewan Pengawas, Direksi, Komite-komite, Satuan Kerja Audit
Intern, dan Satuan kerja pendukung lainnya;
- Kebijakan rencana kelangsungan usaha business continuity plan atau
business continuity management. b
Kecukupan proses identifkasi, pengukuran, pemantauan, dan
pengendalian risiko serta Sistem Informasi Manajemen Risiko.
Kegiatan proses identifikasi, pengukuran, pemantauan, dan
pengendalian risiko bank dinilai cukup memadai.
- Proses identifikasi yang dilakukan bersifat proaktif dan mencakup
aktivitas bisnis Bank. - Proses pengukuran yang diterapkan
oleh Bank masih bersifat standar sesuai dengan ketentuan Bank
Indonesia dan bank belum mengembangkan pengukuran
dengan metode internal, Untuk melengkapi sistem pengukuran
Risiko dengan cara melakukan stress testing dengan sensitivitas kinerja
Bank. in line with the vision, mission, business
strategic Bank. Policies and procedures are designed with attention to the
characteristics and complexity of business activities, the level of risk to be taken, as
well as the risk profile defined authority and or sound banking practices. Policies,
procedures, and limit which has been prepared by the bank include:
- Determination of the methods in the identification, measurement,
monitoring, and controlling risks and risk management information system;
- Determination of the powers and limit the amount gradually included
limit transactions that require approval by the Board;
- The organizational structure that clearly defines roles and responsibilities of the
Board of Trustees, the Board of Directors, Committees, Internal Audit Unit, and
other supporting work unit;
- Policy of the business continuity plan business continuity plan or business
continuity management. b The adequacy of the process of
identification, measurement, monitoring, and controlling risks as well as the Risk
Management Information System. Event identification, measurement,
monitoring, and controlling bank risk was considered good enough.
- The identification process is carried out proactive and includes the Bank’s
business activity. - The measuring process is applied by the
Bank is still the standard in accordance with Bank Indonesia and the bank
has not yet developed methods of measuring internal, To complete the
risk measurement system by performing stress testing the sensitivity of the Bank’s
performance.
Laporan Tahunan 2015 |
BANKALTIM
2015 annual report |
BANKALTIM
186