Metodologi dan Infrastruktur Manajemen Risiko

• Bank Aceh Syaria Business Unit • Subsidiaries and Affiliated Company Melakukan penerapan pengawasan berbasis risiko, dengan melakukan penilaian atas profil risiko yang dimiliki dan tingkat kecukupan modal untuk mengantisipasi potensi kerugian atas eksposur risiko tersebut serta tetap memenuhi kewajiban penyediaan modal minimum yang dipersyaratkan sesuai dengan ketentuan yang berlaku Kebijakan Manajemen Risiko PT. Bank Aceh senantiasa meningkatkan Risk Awareness dalam penerapan budaya sadar risiko dengan terus diimplementasikan kepada seluruh karyawan PT. Bank Aceh pada setiap tingkatan dan pada setiap pelaksanaan aktivitas operasional dan non operasional perbankan. Dalam rangka penerapan manajemen risiko, PT. Bank Aceh senantiasa melakukan penyempurnaan di berbagai bidang, antara lain peningkatan risk awareness dan penyempurnaan metodologi serta infrastruktur manajemen risiko. PT. Bank Aceh memandang kedua hal tersebut merupakan hal penting dalam menerapkan manajemen risiko yang mampu memberikan kontribusi yang signifikan bagi manajemen dalam mengambil keputusan. PT. Bank Aceh saat ini memiliki Pedoman Manajemen Risiko melalui SK Direksi No. 06809DIR VIII2009 Tanggal 27 Agustus 2009 Tentang Perubahan BPP Risk Management. Berdasarkan hal tersebut maka PT. Bank Aceh melaksanakan kebijakan meliputi : 1 Penetapan Risiko yang terkait dengan produk dan transaksi perbankan. Sesuai dengan Peraturan Bank Indonesia Risiko terkait produk dan transaksi perbankan, PT. Bank Aceh menetapkan 8 delapan risiko meliputi: a. Risiko Kredit b. Risiko Pasar c. Risiko Likuiditas d. Risiko Operasional e. Risiko Hukum f. Risiko Reputasi g. Risiko Strategik h. Risiko Kepatuhan 2 Penetapan penggunaan metode pengukuran dan sistem informasi Manajemen Risiko. PT. Bank Aceh menetapkan metode standar standard model dalam pengkuran risiko dan Carry out the implementation of risk-based supervision, to conduct an assessment of the risk profile and capital adequacy ratio in anticipation of potential losses on exposure to these risks and still meet the minimum capital adequacy which required in accordance with applicable regulations Risk Management Policy PT. Bank Aceh continually improve Risk Awareness in implementing of the risk awareness culture to implement continually to all employees of PT. Bank Aceh on every level and in every execution of operational and non- operational activities of banking. In the application of risk management, PT. Bank Aceh continues to make improvements in a variety of fields, such as increased risk awareness and improvement methodologies and risk management infrastructure. PT. Bank Aceh regard of these are important in implementing risk management that is able to make a significant contribution to the management in making decisions. PT. Bank Aceh currently has a Risk Management Guidelines through Directors Decree No. . 06809DIRVIII2009 Date August 27, 2009 About Change Risk Management BPP. Under these conditions, PT. Bank Aceh implementing the policy include: 1 Determination of risk which related with the products and banking transaction. In accordance with Bank Indonesia regulations related risk and banking transaction products, PT. Bank Aceh set 8 eight risk include: a. Credit Risk b. Market Risk c. Liquidity Risk d. Operational Risk e. Legal Risks f. Reputation Risk g. Strategic Risk h. Compliance Risk 2 The use of the method of measurement and risk management information systems. PT. Bank Aceh set a standard model in the risk calculation and in facing the implementation of Basel Pengelolaan Risiko Risk Management Laporan T ahunan Bank Aceh - Annual Report 2012 89