Tolani Independence sistem dan Prosedur seleksi

Tabel susunan Keanggotaan Komite Tata Kelola Terintegrasi Grup Victoria Table of Victoria Group Integrated Governance Committee Membership Jabatan Position Posisi Dijabat Oleh Position held by nama Pejabat name Ketua Chairman Komisaris Independen yang membidangi Kepatuhan dan Manajemen Risiko pada entitas Utama Independent Commissioner in charge of Compliance and Risk Management on Main entities Zainal Abidin, Ph.D anggota Tetap Fixed Member pt Bank victoria International Tbk sebagai entitas Utama pt Bank victoria International Tbk as Main entity Komisaris Independen yang membidangi Kepatuhan, Manajemen Risiko dan Internal audit Independent Commissioner in charge of Compliance, Risk Management and Internal audit Zainal Abidin, Ph.D PT Bank Victoria Syariah • Komisaris Independen yang membidangi Kepatuhan dan Manajemen Risiko; dan • Anggota Dewan Pengawas Syariah. • Independent Commissioner in charge of Compliance and Risk Management; and • Members of the Sharia Supervisory Board. Sugiharto; dan Dr. H. Hasannudin PT Victoria Securities Indonesia Komisaris Independen yang membidangi Kepatuhan dan Manajemen Risiko. Independent Commissioner in charge of Compliance and Risk Management Antonius Tjipto Prastowo pt victoria Insurance Komisaris Independen yang membidangi Tata Kelola dan Manajemen Risiko. Independent Commissioner in charge of Governance and Risk Management v. tolani PT Victoria Manajemen Investasi Komisaris Independen yang membidangi Tata Kelola dan Manajemen Risiko. Independent Commissioner in charge of Governance and Risk Management Jejei Kurnia pihak Independen Independent party anggota Komite pemantau risiko pada entitas Utama. Member of Risk Monitoring Committee at the Main Entity Retno Dwijanti Widaningsih InDePenDensI KOMITe TaTa KeLOLa TerInTeGrasI Komite tata Kelola terintegrasi menjalankan peran secara profesional dan independen, serta tidak menerimamelakukan intervensi darikepada pihak lainnya. anggota Komite tata Kelola Terintegrasi tidak terkait dengan Pemegang Saham, Dewan Komisaris, maupun Direksi. Komite Tata Kelola Terintegrasi yang berasal dari luar Bank tidak memiliki kepentinganketerkaitan pribadi yang dapat menimbulkan dampak negatif dan benturan kepentingan conlict of interest dengan Bank. aspek Independensi Komite tata Kelola terintegrasi dijelaskan dalam tabel di bawah ini. aspek Independensi sugiharto Dr. h hasannudin antonius Tjipto Prastowo Jejei Kurnia

V. Tolani Independence

aspects Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi √ √ √ √ √ Does not have inancial relationship with the Board of Commissioners and Board of Directors Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan ailiasi √ √ √ √ √ Does not have any relationship in the company, its subsidiaries, or afiliate companies Tidak memiliki hubungan kepemilikan saham di perusahaan √ √ √ √ √ Does not have any share ownership in the company Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan atau sesama anggota Komite audit √ √ √ √ √ Does not have any family relationship with the Board of Commissioners, Directors, andor other members of the Audit Committee Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah √ √ √ √ √ Does not served as a political party oficials and government oficials InDePenDenCe OF InTeGraTeD GOVernanCe COMMITTee the Integrated Governance Committee run its role in a professional and independent manner, and does not accept perform any intervention fromto other party. the Integrated Governance Committee members are not related to the Shareholders, Board of Commissioners and Board of Directors. The Integrated Governance Committee who come from outside the Bank does not have any interestprivate relationship that may cause negative impacts and conlicts of interest with the Bank. Independence aspects of Integrated Governance Committee described in the table below. 2016 pT BanK VicToria inTernaTional TBK. PeLaKsanaan TuGas KOMITe TaTa KeLOLa TerInTeGrasI Pelaksanaan Tugas Komite Tata Kelola Terintegrasi tahun 2016, sebagai berikut: 1. Mengevaluasi pelaksanaan pengendalian intern dan pelaksanaan fungsi kepatuhan secara terintegrasi. 2. Mereview draft Laporan Penilaian Sendiri self assessment Pelaksanaan Tata Kelola Terintegrasi Semester I dan Semester II tahun 2016. 3. Mengevaluasi pelaksanaan atau penerapan prinsip Tata Kelola Terintegrasi dengan memperhatikan signiikan dan atau meterialitas suatu permasalahan terhadap tata Kelola terintegrasi pada Konglomerasi Keuangan. 4. Mengevaluasi paling sedikit 7 tujuh faktor penilaian pelaksanaan Tata Kelola Terintegrasi yaitu: - Pelaksanaan tugas dan tanggung jawab Direksi Entitas Utama. - Pelaksanaan tugas dan tanggung jawab Dewan Komisaris entitas Utama. - Tugas dan tanggung jawab Komite Tata Kelola terintegrasi. - Tugas dan tanggung jawab Satuan Kerja Kepatuhan terintegrasi. Tugas dan tanggung jawab Satuan Kerja Audit Intern terintegrasi. - Penerapan Manajemen Risiko. - penyusunan dan pelaksanaan pedoman tata Kelola terintegrasi raPaT KOMITe TaTa KeLOLa TerInTeGrasI Dalam melaksanakan tugasnya, Komite Tata Kelola Terintegrasi melakukan pertemuan berkala atau sewaktu-waktu sesuai dengan kebutuhan. Hasil Rapat telah di tuangkan dalam Risalah Rapat dan didokumentasikan dengan baik. FreKuensI Dan TInGKaT KehaDIran raPaT KOMITe TaTa KeLOLa TerInTeGrasI Selama tahun 2016 Komite telah melakukan meeting berkala sebanyak 4 empat kali untuk membicarakanmembahas terkait GCG Terintegrasi Lembaga Jasa Keuangan LJK Grup Victoria, sebagai berikut: Tabel Tingkat Kehadiran rapat Komite Tata Kelola Terintegrasi Table of Integrated Governance Committee Meeting attendance Level nama name Jabatan Position rapat Internal Komite Tata Kelola Terintegrasi Integrated Governance Committee Internal Meeting Jumlah rapat number of Meeting Jumlah Kehadiran number of attendance Tingkat Kehadiran attendance Level Zaenal Abidin PhD Ketua Chairman 4 4 100 Sugiharto anggota tetap Fixed Member 4 4 100 Dr. H Hasannudin anggota tetap Fixed Member 4 4 100 Antonius Tjipto Prastowo anggota tetap Fixed Member 4 Jejei Kurnia anggota tetap Fixed Member 4 4 100 IMPLeMenTaTIOn OF The InTeGraTeD GOVernanCe COMMITTee DuTIes the implementation of the Integrated Governance Committee’s Duties of 2016 wereas follows: 1. Evaluate the implementation of internal controls and integrated compliance function. 2. Review the Self-Assessment Report draft of the Implementation of the Integrated Governance in First and Second Semester of 2016. 3. Evaluate the implementation or application of the Integrated Governance principles by paying attention the signiicance andor the morality of an issue towars the Integrated Governance on Financial Conglomeration. 4. Evaluate at least 7 seven assessment factors on the implementation of the Integrated Governance, namely: - Implementation of duties and responsibilities of the Main Entity’s Directors. - Implementation of duties and responsibilities of the Main Entity’s Board of Commissioners. - The duties and responsibilities of the Integrated Governance Committee. - The duties and responsibilities of the Integrated Compliance Working Unit. - The duties and responsibilities of the Integrated Internal audit Working Unit. - The implementation of Risk Management. - preparation and implementation of the Integrated Governance Manual InTeGraTeD GOVernanCe COMMITTee MeeTInG In performing its duties, the Integrated Governance Committee meets regularly or at any time accordingly to the needs. Meeting results have been speciied in the Minutes of Meeting and well documented. FreQuenCY anD aTTenDanCe LeVeL OF The InTeGraTeD FOVernanCe COMMITTee MeeTInGs During 2016, the Committee has held 4 four regular meetings to discuss issues related to GCG Integrated Financial Services Institution LJK Victoria Group, as follows: 2016 annual reporT nama name Jabatan Position rapat Internal Komite Tata Kelola Terintegrasi Integrated Governance Committee Internal Meeting Jumlah rapat number of Meeting Jumlah Kehadiran number of attendance Tingkat Kehadiran attendance Level v. tolani anggota tetap Fixed Member 4 4 100 RD. Widaningsih anggota tetap Fixed Member 4 4 100 Tonny Setiadi anggota tetap Fixed Member 4 3 75 sakit sick aGenDa raPaT KOMITe TaTa KeLOLa TerInTeGrasI Adapun agenda rapat Komite Tata Kelola Terintegrasi, yaitu: Tanggal Date agenda Pembahasan Discussion agenda 22 Januari 2016 22 January 2016 evaluasi pedoman tata Keloa terintegrasi the evaluation of the Integrated Governance Guidelines 11 Februari 2016 11 February 2016 Mendengarkan penjelasan SKAIT, SKMRT dan SKKT Listening to explanations on SKAIT, SKMRT and SKKT 27 April 2016 27 April 2016 Membahas proses mapping Group Victoria posisi akhir tahun 2015 Discusses Victoria Group’s mapping process as of December 2015 12 Agustrus 2016 12 August 2016 Membahas proses mapping Group Victoria posisi Juni 2016 Discussing Victoria Group’s mapping process as of June 2016 PenGeMBanGan KOMPeTensI KOMITe TaTa KeLOLa TerInTeGrasI Untuk menunjang pelaksanaan tugas, Komite Tata Kelola terintegrasi memiliki kesempatan untuk mengikuti dan berpartisipasi dalam berbagai pelatihan dan seminar untuk mengembangkan kompetensi. Pada tahun 2016, pengembangan kompetensi anggota Komite risiko Usaha dan GCG dilakukan melalui diskusi internal. seKreTarIs Perusahaan Sebagai perusahaan publik, Bank harus membangun dan memelihara komunikasi dengan regulator, kalangan pasar modal, investor maupun masyarakat umum. Hal ini dilakukan dalam rangka keterbukaan informasi sesuai dengan prinsip GCG dan dalam rangka citra publik terhadap Bank. Sejalan dengan persyaratan ketentuan tentang keterbukaan informasi perusahaan, Bank telah menunjuk Sekretaris Perusahaan. Sekretaris Perusahaan bertugas dan bertanggung jawab atas kegiatan publikasi mengenai aktiitas Bank dan memelihara kewajaran, konsistensi dan transparansi mengenai hal-hal terkait tata kelola perusahaan dan tindakan korporasi. Sekretaris Perusahaan juga bertanggung jawab memonitor kepatuhan Bank terhadap peraturan dan ketentuan pasar modal serta sebagai penghubung antara Bank Victoria dengan stakeholders. The InTeGraTeD GOVernanCe MeeTInG COMMITTees aGenDa as for the Integrated Governance Committee meeting agenda are as follows: COMPeTenCe DeVeLOPMenT OF InTeGraTeD GOVernanCe COMMITTee To support the implementation of their task, the Integrated Governance Committee has the chance to follow and participate in various trainings and seminars to develop their competence. In 2016, the comperence development of Business Risk Committee and GCG members has been done through internal discussions. COrPOraTe seCreTarY As a public company, the Bank must establish and maintain communication with the regulatory bodies, capital market circle, investors, and the general public. It is conducted for information openness in line with GCG principles and for the Bank’s public image. In compliance with the requirements for corporate information openness, the Bank appoints a Corporate Secretary. The Corporate Secretary is responsible for publication of the Bank’s activities and maintenance of fairness, consistency, and transparency of matters connected with corporate governance and actions. The Corporate Secretary is also responsible for monitoring of the Bank’s compliance with the regulations on capital markets and the Corporate Secretary also functions to liaise between Bank Victoria and the stakeholders. 2016 pT BanK VicToria inTernaTional TBK. Dasar PenGanGKaTan seKreTarIs Perusahaan Dasar pengangkatan Sekretaris Perusahaan mengacu pada Peraturan Otoritas Jasa Keuangan No.35POJK.042014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik. sTruKTur seKreTarIs Perusahaan Sekretaris Perusahaan Bank Victoria bertanggung jawab langsung kepada Direktur Utama atas pelaksanaan tugasnya. Dalam menjalankan tugasnya Kepala Divisi Sekretaris perusahaan Corporate Secretary dibantu oleh seorang Kepala Bagian dan 3 tiga orang staf. Adapun struktur Sekretaris Perusahaan Bank Victoria adalah sebagai berikut. staff staff staff Direktur utama Daniel Budirahayu Kepala Divisi Corporate Secretary Ruly Dwi Rahayu Kepala Bagian Corporate Secretary Ahmad Suheri FunGsI Dan TuGas seKreTarIs Perusahaan Sekretaris Perusahaan memiliki peranan penting untuk memastikan aspek keterbukaan dari Perusahaan. Sekretaris Perusahaan bertanggung jawab secara langsung kepada Direktur Utama. Tugas dan tanggung jawab pokok Sekretaris Perusahaan meliputi komunikasi internal dan eksternal serta hubungan kesekretariatan pimpinan perusahaan. Tugas Sekretaris Perusahaan adalah: 1. Mengikuti perkembangan Pasar Modal khususnya peraturan- peraturan yang berlaku di bidang Pasar Modal. 2. Memberikan pelayanan kepada masyarakat atas setiap Informasi yang dibutuhkan pemodal berkaitan dengan kondisi Emiten atau Perusahaan Publik. 3. Memberikan masukan kepada Direksi Emiten atau Perusahaan Publik untuk mematuhi ketentuan Undang- undang nomor 8 tahun 1995 tentang Pasar Modal dan peraturan pelaksanaannya. 4. Sebagai penghubung atau contact person antara Emiten atau Perusahaan Publik dengan Bapepam dan LK serta masyarakat. PrOFIL seKreTarIs Perusahaan Sekretaris Perusahaan dijabat oleh Ruly Dwi Rahayu sesuai dengan Surat Keputusan Direksi No.021SK-DIR0113 tanggal 31 Januari 2013 efektif sejak tanggal 01 Februari 2013 dan dikinikan berdasarkan surat Keputusan Direksi No.012SK-DIR HCM062015 tanggal 22 Juni 2016. BasIs OF aPPOInTMenT OF COrPOraTe seCreTarY The basis for the appointment of Corporate Secretary is the Financial Services Authority Regulation Number 35 POJK.042014 on the Secretary of Issuing Company or Issuing Company. sTruCTure OF COrPOraTe seCreTarY Bank Victoria’s Corporate Secretary of is directly responsible to the President Director for the execution of its tasks. In performing its tasks, Division Head of Corporate Secretary Corsec is assisted by a Departement Head of and three 3 staff members. The structure of the Bank’s Corporate Secretary Victoria is as follows. FunCTIOn anD TasKs OF COrPOraTe seCreTarY The Corporate Secretary has an important role to ensure the Company’s aspect of transparency. The Corporate Secretary is directly responsible to the President Director. The main tasks and responsibilities of the Corporate Secretary include internal and external communications as well as secretarial relationship of the company’s leadership. The tasks of the Corporate Secretary are: 1. To follow the development in the capital market, especially applicable regulations on capital market 2. To provide for the public any information required by investors about the condition of th eIssuer or Public Company 3. To give input to the Board of Directors of the Issuer or Public Company to comply with the provisions of Law No. 8 of 1995 on Capital Market and its implementing regulations 4. To be a contact person between the Issuer or Public Company and Bapepam and Financial Institutions and the public. COrPOraTe seCreTarY PrOFILe The Corporate Secretary is held by Ruly Dwi Rahayu in accordance with the Decree Letter of the Board of Directors No. 021SK-DIR0113 dated January 31, 2013 effective from February 1, 2013 and updated by the Decree Letter of the Board of Directors No.012SK-DIRHCM 062015 dated June 22, 2016. 2016 annual reporT ruLY DWI rahaYu Warga Negara Indonesia, umur 51tahun, lahir di Jakarta pada tahun 1965. Berdomisili di Bekasi. Menjabat sebagai Sekretaris Perusahaan sejak 2013. Sebelumnya menjabat sebagai Kepala Divisi Manajemen Risiko 2011-2013, Kepala Divisi Manajemen Risiko dan Kepatuhan Bank Victoria 2006- 2011, Kepala Satuan Kerja Audit Internal Bank Victoria 1995-2006 dan sebagai Staf Auditor PT Panin Bank 1991-1995. Memperoleh gelar Sarjana Kimia dari Universitas Indonesia pada tahun 1990. Indonesian citizen, 51 years old, born in Jakarta in 1965. Residing in Bekasi, Indonesia. Residing in Jakarta. Served as the Corporate Secretary since 2013. Previously served as Head of Risk Management 2011-2013, Head of Risk Management and Compliance Division of PT Bank Victoria International Tbk. 2006-2011, Head of Internal Audit Working Unit of PT Bank Victoria International Tbk. 1995-2006, and as an Audit Staff of PT Bank Panin 1991-1995. She obtained her Bachelor of Chemical Science degree from University of Indonesia in 1990. PrOGraM PenInGKaTan KOMPeTensI seKreTarIs Perusahaan Untuk mendukung pelaksanaan tugasnya, Sekretaris Perusahaan mengikuti serangkaian program pengembangan kompetensi. Program pengembangan kompetensi yang diikuti Sekretaris Perusahaan pada 2016 sebagai berikut. Tanggal Jenis Kegiatan Pengembangan Kompetensi Penyelenggara 19 Maret 2016 19 March 2016 Leadership Batch 3 Leadership Batch 3 IBS 14 Mei 2016 14 May 2016 Penyelarasan Fungsi Kepatuhan, Pengendalian Internal dan Management Risiko Dalam Rangka Peningkatan Efektiitas Penerapan GCG Refreshment Management risiko The alignment of Functions of Compliance, Internal Control and Risk Management to Improve Effectiveness of Application of GCG Refreshment Management Risk RMI PeLaKsanaan TuGas seKreTarIs Perusahaan Tahun 2016 Kegiatan yang dilakukan oleh Sekretaris Perusahaan sepanjang tahun 2016 berdasarkan laporan Tahunan No.001 CORSEC-DIR0117 tanggal 27 Januari 2017 adalah sebagai berikut. 1. Rapat-rapat : a. Rapat Direksi sebanyak 41 empat puluh satu kali. b. Rapat Dewan Komisaris sebanyak 10 sepuluh kali. c. Rapat Direksi - Dewan Komisaris 13 tiga belas kali. d. Rapat Dewan Komisaris – Direktorat 9 Sembilan. 2. Membuat dan menyampaikan surat-surat eksternal sebagai berikut. a. Januari 2016 sebanyak 64 enam puluh empat surat. b. Pebruari 2016 sebanyak 66 enam puluh enam surat. c. Maret 2016 sebanyak 76 tujuh puluh enam surat. d. April 2016 sebanyak 110 seratus sepuluh surat. e. Mei 2016 sebanyak 103 seratus tiga surat. f. Juni 2016 sebanyak 132 seratus tiga puluh dua surat. g. Juli 2016 sebanyak 83 delapan puluh tiga surat. h. Agustus 2016 sebanyak 74 tujuh puluh empat surat. i. September 2016 sebanyak 56 lima puluh enam surat. j. Oktober 2016 sebanyak 70 tujuh puluh surat. k. November 2016 sebanyak 85 delapan puluh lima surat. l. Desember 2016 sebanyak 61 enam puluh satu surat . COMPeTenCe DeVeLOPMenT PrOGraM FOr The COrPOraTe seCreTarY To support the execution of its duties, the Corporate Secretary attended a series of competency development programs. Competency development programs attended by the Corporate Secretary in 2015 were as follows. eXeCuTIOn OF TasKs OF The COrPOraTe seCreTarY In 2016 The activities carried out by the Corporate Secretary throughout 2016 based on Annual Report No. 001CORSEC-DIR0117 dated January 27, 2017 are as follows. 1. Meetings : a. Board of Directors’ Meetings, 41 forty one times. b. Board of Commissioners’ Meetings, 10 ten times. c. Board of Directors and Commissioners’ Meetings, 13thirteen times. d. Board of Directors and Commissioners’ Meetings, 9 nine times. 2. Wrote and delivered letters to external parties as follows. a. January 2016, 64 sixty four letters. b. February 2016, 66 sixty six letters. c. March 2016, 76 seventy six letters. d. April 2016, 110 one hundred ten letters. e. May 2016, 103 one hundred three letters. f. June 2016, 132 one hundred thirty two letters. g. July 2016, 83 eighty three letters. h. August 2016, 74 seventy four letters. i. September 2016, 56 ifty six letters. j. October 2016, 70 seventy letters. k. November 2016, 85 eighty ive letters. l. December 2016, 61 sixty one letters. 2016 pT BanK VicToria inTernaTional TBK. 3. Membuat dan menyampaikan laporan : a. Laporan Internal - Bulanan, berupa Memo Internal Perubahan Kepemilikan Saham. - Tahunan, berupa Laporan Tahunan Divisi Corporate Secretary. b. Laporan Eksternal - Laporan Registrasi Pemegang Saham sebanyak 12 kali ke website BeI. BuLan MOnTh TanGGaL DaTe Desember 2015 December 2015 08 Januari 2016 8 January 2016 Januari 2016 January 2016 10 Februari 2016 10 February 2016 Februari 2016 February 2016 08 Maret 2016 8 March 2016 Maret 2016 March 2016 07 April 2016 7 April 2016 April 2016 April 2016 04 Mei 2016 4 May 2016 Mei 2016 May 2016 08 Juni 2016 8 June 2016 Juni 2016 June 2016 12 Juli 2016 12 July 2016 Juli 2016 July 2016 09 Agustus 2016 9 August 2016 Agustus 2016 August 2016 07 September 2016 7 September 2016 September 2016 September 2016 06 Oktober 2016 6 October 2016 Oktober 2016 October 2016 08 November 2016 8 November 2016 Nopember 2016 November 2016 06 Desember 2016 6 Desember 2016 Desember 2016 December 2016 09 Januari 2017 09 January 2017 - Laporan Realisasi Penggunaan Dana sebanyak 3 tiga kali suraT LeTTer TanGGaL DaTe 023DIR-EKS0416 07 April 2016 07 April 2016 019DIR-EKS0716 13 Juli 2016 13 July 2016 029DIR-EKS0816 09 Agustus 2016 waran jatuh tempo 09 August 2016 - Laporan Pihak Terkait sebanyak 2 kali semesteran suraT LeTTer TanGGaL DaTe 065DIR-EKS0716 26 Juli 2016 26 July 2016 - Laporan Exercise Waran sebanyak 12 kali JuMLah EXERCISE WARAN WarranTs eXerCIseD suraT LeTTer TanGGaL DaTe 20.700 076DIR-EKS0316 31 Maret 2016 31 March 2016 30.800 056DIR-EKS0416 14 April 2016 14 April 2016 72 095DIR-EKS0516 30 Mei 2016 30 May 2016 513 024DIR-EKS0616 06 Juni 2016 6 June 2016 282 096DIR-EKS0616 17 Juni 2016 17 June 2016 300.000.000 108DIR-EKS0616 28 Juni 2016 28 June 2016 50.000.000 109DIR-EKS0616 28 Juni 2016 28 June 2016 3. Prepared and submitted reports: a. Internal reports - Monthly, such as Internal Memo on Change in Share Ownership. - Annually, such as Annual Report of Corporate Secretary Division. b. External report - Report on Registration of Shareholders, 12 times to BEI website. - The Fund Realization Report, 3 three times - Report of Related Parties, 2 times per semester - Report on Exercise of Warrants, 12 times 2016 annual reporT JuMLah EXERCISE WARAN WarranTs eXerCIseD suraT LeTTer TanGGaL DaTe 69.860.268 123DIR-EKS0616 30 Juni 2016 30 June 2016 7.863.680 004DIR-EKS0716 01 Juli 2016 1 July 2016 236.542.999 006DIR-EKS0716 01 Juli 2016 1 July 2016 43.811.441 015DIR-EKS0716 12 Juli 2016 12 July 2016 43.355.792 016DIR-EKS0716 12 Juli 2016 12 July 2016 - Laporan Keterbukaan Informasi pada website BeI sebanyak 14 empat belas kali. - Laporan Hasil RUPS sebanyak 4 kali suraT LeTTer TanGGaL DaTe 010DIR-EKS0316 02 Maret 2016 2 March 2016 104DIR-EKS0616 28 Juni 2016 28 June 2016 026DIR-EKS0916 09 September 2016 9 September 2016 055DIR-EKS1116 22 November 2016 22 November 2016 - Laporan Keuangan Tahunan kepada Departemen perindustrian dan perdagangan. - Laporan Penjelasan Atas Volatilitas Saham sebanyak 3 tiga kali suraT LeTTer TanGGaL DaTe 047DIR-EKS0316 18 Maret 2016 18 March 2016 009DIR-EKS0716 04 Juli 2016 04 July 2016 082DIR-EKS1116 30 November 2016 30 November 2016 4. Mengadakan Rapat Umum Pemegang Saham : rapat umum Pemegang saham General Meeting of shareholders agenda agenda RUPSLB tanggal 29 Februari 2016 EGMS dated 29 February 2016 - Perubahan susunan pengurus Bank Changes in the structure of the Bank RUPST tanggal 24 Juni 2016 EGMS dated 24 June 2016 - Laporan Tahunan Bank Bank annual report - Penetapan penggunaan laba bersih Bank Determination of the use of Bank net income - Pertanggungjawaban realisasi penggunaan dana hasil pelaksanaan waran Responsibility for the realization of the use of funds resulting from the exercise of warrants - Perubahan susunan pengurus dan pengangkatan kembali pengurus Bank Changes in the organizational structure and reappointment of the Bank’s management - Pemberian kuasa dan wewenang kepada wakil pemegang saham untuk menetapkan honorarium Dewan Komisaris dan pemberian kuasa dan wewenang kepada Dewan Komisaris untuk menetapkan pembagian tugas dan tanggung jawab anggota Direksi dan besarnya gaji. Providing authorization and authority to shareholders’ representatives to determine the honorarium of the Board of Commissioners and authorization and authority to the Board of Commissioners to determine the distribution of duties and responsibilities of the members of the Board of Directors and the amount of the salary. - Penunjukan Kantor Akuntan Publik Appointment of Public Accounting Firm RUPSLB tanggal 7 September 2016 EGMS dated 7 Spetember 2016 - Perubahan susunan pengurus Bank Changes in the structure of the Bank RUPSLB tanggal 18 November 2016 EGMS dated 18 November 2016 - Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu Additional Capital without preemptive rights - Perubahan susunan pengurus Bank Changes in the structure of the Bank 5. Public Expose a. Publik Expose Tahunan tanggal 24 Juni 2016 b. Publik Expose Insidentil pada Investor Summit di Surabaya tanggal 18 Agustus 2016 6. Annual Report Tahun 2016 memenangkan ARA kategori Private Listed Non Devisa juara ke-4 - report on transparency of Information in BeI website, 14 fourteen times. - Report on Resolution of GMS, 4 times - Report on Annual Report to the Department of Industry and trade. - Report on Explanation of Stock Volatility, 3 three times 4. Held General Meetings of Shareholders: 5. Public Expose a. Annual Public Expose on 24 June 2016 b. Incidental Public Expose in Investor Summit in Surabaya on 18 August 2016 6. Annual Report In 2016 it won ARA for category of Private Listed Non Foreign Exchange in the 4th place 2016 pT BanK VicToria inTernaTional TBK. KOMITe DI BaWah DIreKsI Dalam menjalankan tugasnya, Direksi dibantu oleh Komite- komite yang bertugas untuk memberikansaran dan rekomendasi yang berhubungan dengan kebijakan-kebijakan dan arahan- arahan Direksi. Saat ini Bank Victoria memiliki 10 sepuluh komite di bawah Direksi. Dalam pembentukan komite-komite tersebut, Direksi berwenang untuk mengatur komposisi dan kompetensi anggota komite sesuai dengan ukuran dan kompleksitas usaha Bank. rekomendasi darimasing-masing komite akan menjadi acuan Direksi dalam pengambilan keputusan. Uraian mengenai komite-komite di bawah Direksi adalah sebagai berikut. KOMITe ManaJeMen rIsIKO Komite Manajemen Risiko adalah komite eksekutif yang dibentuk oleh Direksi Bank sebagai wadah pengambilan keputusan dan pengevaluasian pelaksanaan, menyusun strategi dan pedoman penerapan manajemen risiko, menetapkan hal-hal yang terkait dengan keputusan bisnis dan menyempurnakan pelaksanaan manajemen risiko berdasarkan hasil evaluasi pelaksanaan proses dan sistem manajemen risiko yang efektif. Komite Manajemen Risiko dibutuhkan agar pengelolaan seluruh risiko bisnis dapat dilakukan secara sistematis dan berkesinambungan. sTruKTur Dan KeanGGOTaan KOMITe ManaJeMen rIsIKO Susunan keanggotaan Komite Manajemen Risiko Bank Victoria sebagai berikut. Ketua Anggota Tetap : Director of Compliance and Risk Management Anggota Tetap : Board of Directors Associate Directors Head of Division Risk Management Integrated Secretary Head of Division SKAIIntegrated and Anti Fraud Anggota Tidak tetap : Head of Divisions uraIan TuGas Dan TanGGunG JaWaB KOMITe ManaJeMen rIsIKO Uraian Tugas Komite Manajemen Risiko sebagai berikut. 1. Melakukan pengembangan atas penerapan budaya risiko untuk setiap jenjang organisasi; 2. Mengevaluasi dan melakukan penyesuaian atas Kebijakan dan Pedoman Umum Penerapan Manajemen Risiko yang dimiliki Bank, dengan kebijakan regulator yang disesuaikan dengan ukuran dan kompleksitas usaha Bank serta risiko yang melekat pada Bank; 3. Mengevaluasi arah, strategi dan program Manajemen Risiko; COMMITTees unDer The BOarD OF DIreCTOrs In performing its tasks, the Board of Directors is assisted by the Committees with the tasks of providing advice and recommendations related to the policies and directives of the Board of Directors. Currently, Bank Victoria has 10 ten committees under the Board of Directors. In the formation of these committees, the Board of Directors is authorized to regulate the composition and competence of the Committee members in accordance with the size and complexity of the Bank’s business. Recommendations from each Committee will become the reference of the Directors in making decisions. The Descriptions of the Committees under the Board of Directors are as follows: rIsK ManaGeMenT COMMITTee The Risk Management Committee is an executive committee formed by the Board of Directors of the Bank as a forum for decision-making and evaluation of the implementation, develops a strategy and guidelines for risk management, establish matters related to the business decisions and Improve the implementation of risk management based on the evaluation of an effective risk management process and system. The Risk Management Committee is required so that the entire management of business risks can be done systematically and continuously. sTruCTure anD MeMBershIP OF The rIsK ManaGeMenT COMMITTee The membership composition of the Risk Management Committee at Bank Victoria is as follows. Chairman Permanent Member : Director of Compliance and Risk Management Permanent Member : Board of Directors Associate Directors Head of Division Risk Management Integrated Secretary Head of Division SKAI Integrated and anti Fraud Non permanent Member : Head of Divisions DesCrIPTIOn OF The DuTIes anD resPOnsIBILITIes OF The rIsK ManaGeMenT COMMITTee Description of Risk Management Committee’s Duties are as follows. 1. Development the application of the risk culture for every level of the organization. 2. Evaluation and Adjustment of Risk Management Implementation Policies and General Guidelines with regulator policy that adapted to the Bank’s size and complexity as well as its inherent risks. 3. Evaluation the Risk Management’s direction, strategy and program. 2016 annual reporT 4. Mengevaluasi penerapan Manajemen Risiko, yang meliputi: a. Pemantauan terhadap implementasi Kebijakan dan Pedoman Umum Penerapan Manajemen Risiko; b. Pemantauan posisieksposur risiko secara keseluruhan, atau per jenis risiko; c. penerapan stress testing guna mengetahui dampak dari implementasi kebijakan dan strategi Manajemen Risiko; d. pemantauan kajian terhadap usulan aktivitasproduk baru, termasuk mengevaluasi sistem dan prosedur yang digunakan serta dampaknya terhadap eksposur risiko Bank secara keseluruhan. raPaT KOMITe ManaJeMen rIsIKO Dalam melaksanakan tugasnya, Komite Manajemen Risiko melakukan pertemuan secara berkala bulanan atau sewaktu- waktu sesuai dengan kebutuhan. Selama tahun 2016, Komite Manajemen Risiko Bank telah menyelenggarakan pertemuan sebanyak 12 dua belas kali pertemuan yang dihadiri oleh anggota Komite. Adapun agenda rapat Komite Manajemen Risiko selama tahun 2016, yaitu: 1. Arahan dan saran Komite Manajemen Risiko pada rapat sebelumnya; 2. Pemaparan akan indikator makro ekonomi, antara lain indikator-indikator makro dan mikro serta indikator perekonomian lainnya baik nasional maupun global; 3. Early Warning terkait penerapan Manajamen Risiko atas 8 jenis risiko Bank; 4. Tingkat Kesehatan Bank dengan metode Risk Based Banking Rating – rBBr sesuai ketentuan regulator khususnya terkait dengan penilaian terhadap Proil Risiko; 5. Rekomendasi Komite Manajemen Risiko. PeLaKsanaan TuGas KOMITe ManaJeMen rIsIKO Tahun 2016 Pelaksanaan Tugas Komite Manajemen Risiko tahun 2016 sebagai berikut: 1. Pembahasan Laporan Proil Risiko secara berkala atau triwulanan baik individual maupun konsolidasi dan Tingkat Kesehatan secara berkala atau semesteran individual maupun konsolidasi; 2. Penyampaian kajian kecukupan modal sesuai dengan proil risiko Bank ICaap yang disampaikan kepada regulator secara berkala atau semesteran individual maupun konsolidasi; 3. Melaksanakan evaluasi secara berkala periodik terhadap parameter risiko inheren dan kualitas penerapan manajemen risiko Bank sesuai dengan kompleksitas dan karakteristik Bank; 4. Melakukan pengkinian terhadap Prosedur Penilaian Proil Risiko yang disesuaikan dengan kompleksitas dan karakteristik Bank; 5. Meningkatkan budaya risiko pada seluruh jenjang organisasi Bank; 6. Memantau perkembangan dan kondisi portofolio kredit Bank. 7. Pelaksanaan Business Impact Analysis BIa dan Risk Assessment yang merupakan dasar dalam penerapan Business Contuinity Plan BCp untuk menjamin operasional Bank tetap berfungsi walaupun terdapat gangguanbencana; 4. Evaluation of the implementation of Risk Management, which include: a. Monitoring of the implementation of Risk Management Implementation policies and General Guidelines. b. Monitor overall risk positionexposure or per type of risk. c. the application of stress testing to determine the impact from the implementation of Risk Management policies and strategies. d. Monitor study of the proposed new activitiesproducts, including evaluating system and the procedures used and its impact to the Bank’s overall risk exposure. RISK MANAGEMENT COMMITTEE’S MEETING In performing its duties, the Risk Management Committee meet regularly monthly or at any time in accordance with the needs. During 2015, the Banks’ Risk Management Committee held a total of 12 twelve meetings, attended by all members of the Committee. The agenda of the Risk Management Committee meeting during 2016 are as follows: 1 Direction and advice from the Risk Management Committee in the previous meeting; 2 Explanation on macro-economic indicators, including macro and micro indicators as well as other economic indicators both nationally and globally; 3 Early Warning related to the implementation of Risk Management on 8 types of risk faced by the Bank; 4 Bank’s Healthy Level with Risk Based Banking Rating - RBBR method in accordance with the Authority’s provision particularly related to the assessment of the Risk Proile; 5 Recommendations from the Risk Management Committee. The eXeCuTIOn OF The rIsK ManaGeMenT COMMITTee In 2016 The execution of the Risk Management Committee’s Tasks in 2016 were as follows: 1. Discussion of Risk Proile Report regularly or quarterly, by individual and consolidated manner as well as the Bank’s Health Level periodically or semiannually, in individual and consolidated manner; 2. Submission of capital adequacy assessment in accordance with the Bank’s risk proile ICAAP submitted to the Authority periodically or semiannually, in individual and consolidated manner; 3. Carried out periodic evaluation on the inherent risk parameters and the quality of the Risk Management implementation in accordance with the bank’s complexity and characteristics; 4. Updated the Risk Proiles Evaluation Procedure that tailored to the Bank’s complexity and characteristics. 5. Improved the risk culture at all levels of Bank’s organizations. 6. Monitored the development and conditions of the Bank’s loan portfolio. 7. The Implementation of Business Continuity Management BCM which covers Business Contuinity Plan BCP to ensure the Bank’s operations continue to function despite a disruptiondisaster; 2016 pT BanK VicToria inTernaTional TBK. 8. Stress-test terhadap kecukupan modal dan pendanaan. 9. Melakukan pemantauan risiko baik per jenis risiko maupun secara konsolidasi; KOMITe KeBIJaKan PerKreDITan Komite Kebijakan Prekreditan merupakan komite yang membantu Direksi dalam merumuskan kebijakan, mengawasi pelaksanaan kebijakan, memantau perkembangan dan kondisi portofolio perkreditan serta memberikan saran-saran langkah perbaikan. sTruKTur Dan KeanGGOTaan KOMITe KeBIJaKan PerKreDITan Susunan anggota Komite Kebijakan Perkreditan terdiri dari: Ketua : President Director Wakil Ketua merangkap Anggota : Director of Business Director of Credit Sekretaris merangkap Anggota : Kepala Divisi dan Wakil Kepala Divisi Credit Analyst Anggota : Deputy President Director Director of Compliance and Risk Management Kepala Divisi Corporate Banking Kepala Divisi Commercial banking – 1 Kepala Divisi Commercial Banking – 2 Unit Head Business Support Unit Head Consumer Lending Kepala Divisi Financial Institution and Capital Market Kepala Divisi Credit Administration Kepala Divisi danatau Wakil Kepala Divisi Law Bureau and Legal Kepala Divisi Risk Management Integrated Kepala Divisi Compliance, KYC Integrated and System Procedure Kepala Divisi SKAIIntegrated and Anti Fraud uraIan TuGas Dan TanGGunG JaWaB KOMITe KeBIJaKan PerKreDITan Uraian Tugas Komite Kebijakan Perkreditan sebagai berikut. 1. Memberikan masukan kepada Direksi dalam rangka penyusunan Kebijakan Perkreditan Bank KPB, terutama yang berkaitan dengan perumusan prinsip kehati-hatian dalam perkreditan Bank. 2. Mengawasi agar kebijakan perkreditan Bank dapat diterapkan dan dilaksanakan secara konsekuen dan konsisten serta merumuskan pemecahan apabila terdapat hambatankendala dalam penerapan KPB. 3. Melakukan kajian terhadap kebijakan perkreditan Bank dan memberikan saran kepada Direksi apabila diperlukan perubahan kebijakan perkreditan Bank. 8. Performed Stress-test on the adequacy of capital and funding. 9. Monitored risk either by type of risk or in a consolidated manner. CreDIT POLICY COMMITTee the Credit policy Committee is a committee that assisting the Board of Directors in formulating policies, monitoring the implementation of policies, monitoring the credit portfolio developments and conditions as well as provide improvement measures. The sTruCTure anD MeMBershIP OF The CreDIT POLICY COMMITTee The membership composition of the Risk Policy Commitee Chairman : President Director vice Chairmant concurrently as Member : Director of Business Director of Credit Secretary conccurently as Member : Divison Head and Deputy Division Head of Credit analyst Member : Deputy President Director Director of Compliance and Risk Management Division Head of Corporate Banking Division Head of Commercial Banking - 1 Division Head of Commercial Banking - 2 Unit Head Business Support Unit Head Consumer Lending Division Head of Financial Institution and Capital Market Division Head of Credit Administration Division Head andor Deputy Division Head of Law Bureau and Legal Divison Head of Risk Management Integrated Division Head of Compliance, KYC Integrated and System Procedure Division Head of SKAIIntegrated and Anti Fraud Division Head of IAWU Integrated and anti Fraud The CreDIT POLICY COMMITTee TasKs anD resPOnsIBILITIes The Credit Policy Committee has the following tasks. 1. Provide feedback for the Board of Directors in formulation of Bank Credit Policy BCP, primarily pertaining to the formulation of principles of prudence in the Bank’s credit extension . 2. Supervise the Bank’s credit policy to allow consequent and consistent application and implementation and formulate solutions to obstaclesconstraints in BCP implementation 3. Review the Bank’s credit policy and provide suggestions to the Board of Directors when changes of such credit policy are required. 2016 annual reporT 4. Memantau dan mengevaluasi: a. Perkembangan dan kualitas portofolio perkreditan secara keseluruhan; b. Kebenaran pelaksanaan kewenangan memutus kredit; c. Kebenaran proses pemberian kredit, perkembangan dan kualitas yang diberikan kepada pihak yang terkait dengan Bank dan Debitur-Debitur Besar; d. Kebenaran pelaksanaan ketentuan batas maksimum pemberian kredit; e. Ketaatan terhadap ketentuan perundang-undangan dan peraturan lainnya dalam pelaksanaan pemberian kredit; f. Penyelesaian kredit bermasalah sesuai dengan yang diterapkan dalam kebijakan perkreditan Bank; g. Upaya Bank dalam memenuhi kecukupan jumlah penyisihan penghapusan kredit. raPaT KOMITe KeBIJaKan PerKreDITan Dalam melaksanakan tugasnya, Komite Kebijakan Perkreditan melakukan pertemuan berkala atau sewaktu-waktu sesuai dengan kebutuhan dan situasi ekonomi yang berkembang di pasar. Komite Kebijakan Perkreditan telah melaksanakan 3 kali rapat selama tahun 2016 sebagai berikut: Tanggal rapat Meeting Date agenda rapat Meeting agenda 28 April 2016 28 April 2016 - Revisi keanggotaan tetap Komite Kebijakan Perkreditan. Revise the permanent membership of the Credit Policy Committee. - Format baru Memo Analisa Kredit untuk kredit diatas Rp1 miliar, diluar Multiinance dan Konsumer. New format Memo Credit Analysis for loans above Rp 1 billion, excluding Multiinance and Consumer. - Pengaturan UnitDivisi yang bertanggungjawab dalam pembuatan Memo Analisa Kredit untuk segmen kredit komersial, kredit korporasi dan restrukturisasi kredit serta UnitDivisi yang melakukan proses review atas Memo Analisa Kredit. Unit Division Arrangement which is responsible for making Credit Memo Memo for commercial credit segment, corporate credit and credit restructuring and Unit Division which conducts review process on Memo Credit Analysis. - Penetapan nama jabatan untuk credit oficer baik untuk segmen consumer, komersial, korporasi maupun pembiayaan multiinance, serta untuk tenaga pemasaran di kantor Area, Cabang, Capem. Establishment of position for credit oficer for consumer, commercial, corporate and multiinance segment, and for marketing oficer in Area, Branch Ofice, Capem ofice. 18 Mei 2016 18 May 2016 - Perubahan titel jabatan dari Account Oficer menjadi Credit Analyst Oficer CAO dan penegasan pembuatan MAK oleh Divisi bisnis sesuai segmen dan plafond fasilitas. Change of title position from Account Oficer to Credit Analyst Oficer CAO and conirmation of MAK by Business Division according to segment and facility ceiling. - penegasan Job Description untuk Divisi Credit Analyst and Restructure . Assignment Job Description for Credit Analyst and Restructure Division. - Sosialisasi dan pembuatan format MAK baru untuk plafond diatas Rp1 miliar diluar Multiinance dan Konsumer. Socialization and creation of new MAK format for ceiling above Rp 1 billion beyond Multiinance and Consumer. - Pembuatan format MAK baru untuk fasilitas Back to Back dan plafond diatas Rp1 miliar diluar Multiinance dan Konsumer Creation of new MAK format for Back to Back and ceiling facilities above Rp 1 billion beyond Multiinance and Consumer 31 Mei 2016 31 May 2016 - Limit Penyediaan Dana Group Debitur dan Single Debitur terhadap BMPK Limit on Provision of Funds for Debtor and Single Debtor Group to LLL - WatchlistSelective monitoring untuk Usaha Debitur tertentu, antara lain: Pertambangan, Perikanan, Airline, Perkapalan. Watchlist Selective monitoring for certain Debtor Enterprises, among others: Mining, Fisheries, Airline, Shipping. - Monitoring Laporan Kelompok Peminjam Monitoring of Borrower Group Reports PeLaKsanaan TuGas KOMITe KeBIJaKan PerKreDITan Tahun 2016 Pelaksanaan Tugas Komite Kebijakan Perkreditan di tahun 2016 sebagai berikut. 1. Memberikan masukan dalam penyempurnaan kebijakan perkreditan Bank Victoria; 2. Melaksanakan pengawasan terhadap implementasi kebijakan perkreditan Bank Victoria; 3. Melakukan evaluasi kebijakan perkreditan Bank Victoria secara berkala sesuai dengan perkembangan ekonomi dan pasar; 4. Monitor and evaluate: a. Progress and quality of overall credit portfolio; b. The correctness of implementation of the authority to terminate credit; c. The correctness of credit extension process, progress and quality provided to parties relevant to the Bank and Major Debtors; d. The correctness of implementation of legal lending limit provisions; e. The compliance with the laws and regulations on credit extension implementation; f. The settlement of non-performing loans according to the applied Bank’s credit policy; g. The Bank’s eforts to meet adequacy of allowance for bad debts.. CreDIT POLICY COMMITTee MeeTInGs In performing its tasks, the Credit Policy Committee holds periodical meetings or at any time when needed and In accordance with economic situation developing in the market. The Credit Policy Committee has conducted 3 meetings during 2016 as follows. The IMPLeMenTaTIOn OF TasK OF CreDIT POLICY COMMITTee In 2016 The implementation of Credit Policy Committee’s Tasks in 2015 was as follows. 1. Provided feedback on improvement of credit policy of Bank Victoria; 2. Supervised credit implementation by Bank Victoria; 3. Made a periodic evaluation of credit policy; 2016 pT BanK VicToria inTernaTional TBK. 4. Memberikan saran dan pertimbangan kepada Direksi terkait pelaksanaan kebijakan perkreditan Bank Victoria. KOMITe KreDIT Komite Kredit merupakan Komite yang terdiri dari anggota Direksi Bank dan Kepala Divisi terkait yang bertanggung jawab dan diberi wewenang untuk memutuskan jumlah Credit Exposure Bank dalam bentuk Aktiva Produktif sesuai dengan jumlah atau limit tertentu yang telah ditetapkan. sTruKTur Dan KeanGGOTaan KOMITe KreDIT Anggota Komite Kredit terdiri dari anggota Direksi dan Division Unit Head terkait sesuai dengan batas kewenangan yang ada, sebagai berikut: Ketua merangkap Anggota : President Director Anggota : Deputy President Director Director of Business Director of Credit DivisionUnit Head - Corporate Banking Division Head - Commercial Banking Divison Head - Multi Finance Division Head - Consumer Landing Unit Head - Financial Institution and Capital Market Division Head uraIan TuGas Dan TanGGunG JaWaB KOMITe KreDIT Uraian Tugas Komite Kredit adalah sebagai berikut. 1. Menyelenggarakan RapatPertemuan KKP untuk mengevaluasi usulan kredit dan meminta datainformasi apabila diperlukan; 2. Memberikan persetujuanpenolakan terhadap usulan kredit, baik kredit Treasury, Financial Institution, Capital Market, Kredit Korporasi, Kredit Komersil, Kredit SMEUKM, Kredit Konsumer serta Kredit PerusahaanPembiayaan; 3. Memastikan bahwa proses pemberian kredit sesuai dengan ketentuan yang berlaku; 4. Memastikan bahwa proses pemberian kredit telah menerapkan manajemen risiko. raPaT KOMITe KreDIT Rapat Komite Kredit dijadwalkan setiap hari Rabu atau hari lain setiap minggunya sesuai dengan kebutuhan untuk membahas calon debitur yang akan mengajukan kredit pre approval maupun usulan kredit atau permohonan lainnya yang diajukan oleh Unit Bisnis. Sepanjang tahun 2016 Komite Kredit telah melakukan 34 kali rapat. 4. Provided feedback and considerations to the Board of Directors related to credit policy implementation. CreDIT COMMITTee The Credit Committee is a committee consisting of members of the Board of Directors and the relevant Division Heads responsible for and authorized to decide the amount of the Bank’s Credit Exposure in the form of Productive Assets according to a certain determined amount or limit. The sTruCTure anD MeMBershIP OF CreDIT COMMITTee The Comite Credit consist of member of the Board of Directors and relevant DivisionUnit Head in accordance with existed responsibility as follows: Chairman concurrent as Member : President Director Member : Deputy President Director Director of Business Director of Credit DivisionUnit Head - Corporate Banking Division Head - Commercial Banking Divison Head - Multi Finance Division Head - Consumer Landing Unit Head - Financial Institution and Capital Market Division Head THE DESCRIPTION OF THE CREDIT COMMITTEE’S TASKS anD resPOnsIBILITY Uraian Tugas Komite Kredit adalah sebagai berikut. 1. Menyelenggarakan RapatPertemuan KKP untuk mengevaluasi usulan kredit dan meminta datainformasi apabila diperlukan; 2. Memberikan persetujuanpenolakan terhadap usulankredit, baik kredit Treasury, Financial Institution, Capital Market, Kredit Korporasi, Kredit Komersil, KreditSMEUKM, Kredit Konsumer serta Kredit PerusahaanPembiayaan; 3. Memastikan bahwa proses pemberian kredit sesuai dengan ketentuan yang berlaku; 4. Memastikan bahwa proses pemberian kredit telah menerapkan manajemen risiko. CreDIT COMMITTee MeeTInGs this Credit Committee’s meeting is scheduled every Wednesday or other day of each week according to the need to discuss prospective borrowers who apply for credit pre approval or the contents of credit or other applications submitted by the Business Unit. Throughout the year 2016, the Credit Committee has conducted 34 meetings. 2016 annual reporT Tanggal rapat Meeting Date agenda rapat Meeting agenda 20 Januari 2016 20 January 2016 Pembahasan 1 klien Perusahaan Pembiayaan Discussion on 1 Company Credit clients 03 Febuari 2016 03 February 2016 Pembahasan 7 klien Korporasi dan 1 klien Komersial Discussion on 7 Corporate and 1 Commercial clients 10 Februari 2016 10 February 2016 Pembahasan 1 klien Korporasi Discussion on 1 Corporate clients 24 Februari 2016 24 February 2016 Pembahasan 4 klien Korporasi, 2 klien Komersial dan 1 klien Perusahaan Pembiayaan Discussion on 4 Corporate, 2 Commercial, 1 Company Credit clients 08 Maret 2016 08 March 2016 Pembahasan 1 klien Korporasi dan 1 klien Komersial Discussion on 1 Corporate and 1 Commercial clients 17 Maret 2016 17 March 2016 Pembahasan 1 klien Korporasi, 1 klien Komersial dan 1 klien Perusahaan Pembiayaan Discussion on 1 Corporate, 1 Commercial, 1 Company Credit clients 23 Maret 2016 23 March 2016 Pembahasan 1 klien Korporasi dan 1 klien Komersial Discussion on 1 Corporate and 1 Commercial clients 06 April 2016 06 April 2016 Pembahasan 1 klien Korporasi dan 1 klien Perusahaan Pembiayaan Discussion on 1 Corporate and 1 Company Credit clients 13 April 2016 13 April 2016 Pembahasan 2 klien Korporasi Discussion on 2 Corporate clients 11 Mei 2016 11 May 2016 Pembahasan 2 klien Komersial Discussion on 2 Corporate clients 18 Mei 2016 18 May 2016 Pembahasan 3 klien Korporasi dan 1 klien Perusahaan Pembiayaan Discussion on 3 Corporate and 1 Company Credit clients 25 Mei 2016 25 May2016 Pembahasan 2 klien Korporasi dan 3 klien Komersial Discussion on 2 Corporate and 3 Commercial clients 01 Juni 2016 01 June 2016 Pembahasan 2 klien Korporasi dan 1 klien Komersial Discussion on 2 Corporate and 1 Commercial clients 08 Juni 2016 08 June2016 Pembahasan 1 klien Korporasi dan 1 klien Komersial Discussion on 1 Corporate and 1 Commercial clients 15 Juni 2016 15 June 2016 Pembahasan 2 klien Korporasi dan 4 klien Komersial Discussion on 2 Corporate and 4 Commercial clients 22 Juni 2016 22 June 2016 Pembahasan 1 klien Korporasi dan 1 klien Komersial Discussion on 1 Corporate and 1 Commercial clients 29 Juni 2016 29 June 2016 Pembahasan 4 klien Korporasi Discussion on 4 Corporate clients 13 Juli 2016 13 July 2016 Pembahasan 3 klien Korporasi dan 1 klien Perusahaan Pembiayaan Discussion on 3 Corporate and 1 Company Credit clients 27 Juli 2016 27 July 2016 Pembahasan 8 klien Korporasi, 1 klien Komersial dan 1 klien Perusahaan Pembiayaan Discussion on 8 Corporate, 1 Commercial, 1 Company Credit clients 03 Agustus 2016 03 August 2016 Pembahasan 3 klien Korporasi dan 2 klien Komersial Discussion on 3 Corporate and 2 Commercial clients 24 Agustus 2016 24 August 2016 Pembahasan 7 klien Korporasi dan 1 klien Perusahaan Pembiayaan Discussion on 7 Corporate and 1 Company Credit clients 14 September 2016 14 September 2016 Pembahasan 3 klien Korporasi dan 2 klien Komersial Discussion on 3 Corporate and 2 Commercial clients 21 September 2016 21 September 2016 Pembahasan 3 klien Korporasi dan 3 klien Perusahaan Pembiayaan Discussion on 3 Corporate and 3 Company Credit clients 05 Oktober 2016 05 October 2016 Pembahasan 2 klien Korporasi dan 1 klien Perusahaan Pembiayaan Discussion on 2 Corporate and 1 Company Credit clients 19 Oktober 2016 19 October 2016 Pembahasan 7 klien Korporasi, 3 klien Komersial dan 1 klien Perusahaan Pembiayaan Discussion on 7 Corporate, 3 Commercial, 1 Company Credit clients 26 Oktober 2016 26 October 2016 Pembahasan 3 klien Korporasi, 5 klien Komersial dan 1 klien Perusahaan Pembiayaan Discussion on 3 Corporate, 5 Commercial, 1 Company Credit clients 2 November 2016 2 November 2016 Pembahasan 2 klien Korporasi dan 3 klien Komersial Discussion on 2 Corporate and 3 Commercial clients 9 November 2016 9 November 2016 Pembahasan 2 klien Korporasi dan 5 klien Komersial Discussion on 2 Corporate and 5 Commercial clients 16 November 2016 16 November 2016 Pembahasan 3 klien Korporasi dan 1 klien Perusahaan Pembiayaan Discussion on 3 Corporate and 1 Company Credit clients 23 November 2016 23 November 2016 Pembahasan 3 klien Korporasi dan 1 klien Komersial Discussion on 3 Corporate and 1 Commercial clients 30 November 2016 30 November 2016 Pembahasan 2 klien Korporasi Discussion on 2 Corporate clients 07 Desember 2016 07 December 2016 Pembahasan 2 klien Korporasi Discussion on 2 Corporate clients 14 Desember 2016 14 December 2016 Pembahasan 1 klien Komersial dan 1 klien Perusahaan Pembiayaan Discussion on 1 Corporate and 1 Company Credit clients 2016 pT BanK VicToria inTernaTional TBK. PeLaKsanaan TuGas KOMITe KreDIT Tahun 2016 Pelaksanaan Tugas Komite Kredit di tahun 2016 sebagai berikut. 1. Memberikan persetujuan terhadap usulan kredit yang diajukan oleh Unit Bisnis; 2. Mengawasi implementasi proses pemberian kredit; 3. Memastikan risks appetite atas usulan kredit yang disetujui sesuai dengan kebijakan manajemen risiko Bank Victoria. ASSET AND LIABILITY MANAGEMENT COMMITTEE ALCO ALCO merupakan Executive Committee yang berfungsi sebagai wadah bagi Assets and Liabilities Management ALMA dalam memproses perencanaan dan pengendalian sumber penggunaan dana perbankan yang terkoordinasi, serta dijalankan secara konsekuen dengan prinsip kehati-hatian dan memperhatikan perkembangan faktor-faktor yang mempengaruhi operasi perbankan, baik itu berasal dari luar ataupun struktural yang berasal dari dalam. Asset Liability Committee Support ALCO Support adalah satuan kelompok kerja yang berfungsi membantu kegiatan ALCO, yang tugas utamanya adalah mendapatkan, mengolah, menganalisis dan merumuskan keseluruhan data asset and liabilities untuk kemudian diserahkan kepada ALCO. sTruKTur Dan KeanGGOTaan aLCO Susunan Keanggotaan ALCO Bank Victoria adalah sebagai berikut. Ketua Anggota Tetap : Direktur Utama Sekretaris Anggota Tetap : Kepala Divisi Manajemen Risiko terintegrasi Anggota Tetap : 1. Seluruh Direksi 2. Seluruh Kepala Divisi pada Direktorat Business 3. Seluruh Kepala Divsi dan Group Head pada Direktorat Treasury dan Retail Banking kecuali Divisi Human Capital Management 4. Kepala Divisi Finance dan akunting 5. Kepala Divisi Administrasi perkreditan 6. Kepala Divisi Credit Review 7. Kepala Cabang Area anggota Tidak Tetap : Divisi atau Unit Kerja Lainnya diluar anggota tetap uraIan TuGas Dan TanGGunG JaWaB aLCO Uraian tugas Asset and Liability Management Committee ALCO adalah sebagai berikut. 1. Memantau dan memperhatikan struktur Neraca dan memaksimumkan proitabilitas; IMPLEMENTATION OF TASKS OF CREDIT COMMITTEE The implementation of Credit Committee’s Tasks in 2015 was as follows. 1. Approved credit proposals proposed by the Business Unit; 2. Supervised the implementation of credit extension process; 3. Ensure risk appetite on the approved credit proposal in compliance with the Bank’s risk management policy. asseT anD LIaBILITY ManaGeMenT COMMITTee aLCO ALCO is an Executive Committee which serves as a forum for Assets and Liabilities Management ALMA in processing coordinated banks source of funds planning and control, and executed consistently with taken into account the prudence principles and observing the development of factors that afect banking operations, whether from external or internally. Asset Liability Committee Support ALCO Support is a unit of working group that works to assisst the activities of ALCO, whose main task is to obtain, process, analyze and formulate as well as provide recommendation from the entire assets and liabilities data to be submitted to ALCO. The sTruCTure anD MeMBershIP OF aLCO The ALCO Membership composition at Bank Victoria area s follows. Chairman Permanent Member : President Director Secretary Permanent Member : Division Head of IntegratedRisk Management Permanent Member : 1. All member of the Board of Directors 2. All Division Head at Business Directorate 3. All Division and Group Head at treasury and retail Banking Directorate except Human Capital Management Division 4. Division Head of Finance and accounting 5. Division Head of Credit administration 6. Division Head of Credit Review 7. Area Branch Head Non Permanent Member : Other Division or Working Unit outside Permanent Member THE DESCRIPTION OF ALCO’S TASKS AND RESPONSIBILITY The descriptions of Asset and Liability Management Committee ALCO are as follows. 1. Monitor and observe Balance structure and maximize proitability; 2016 annual reporT 2. Merencanakan, menetapkan dan mengendalikan sumber dan penggunaan dana Bank; 3. Menetapkan tingkat suku bunga kredit maupun pendanaan; 4. Melakukan evaluasi anggaran dan realisasi Laporan Keuangan Bank dengan memperhatikan indikator-indikator risiko Bank; 5. Merumuskan, menetapkan dan mengevaluasi kebijakan, strategi dan sasaran dalam bidang-bidang ALMA, yaitu: • Manajemen Strategi; • Manajemen Likuiditas; • Manajemen Gap; • Manajemen ‘Pricing’; 6. Memantau dan memperhatikan perkembangan kondisi ekonomi mikro maupun makro, seperti inlasi, nilai tukar dan perkembangan suku bunga yang dapat mempengaruhi kinerja Bank. raPaT aLCO ALCO melakukan pertemuan sekurang-kurangnya sekali dalam 1 satu bulan atau sewaktu-waktu sesuai dengan kebutuhan. Komite ALCO sepanjang tahun 2016 telah mengadakan rapat sebanyak 14 Empat Belas kali pertemuan yang dihadiri oleh anggota Komite. Agenda Rapat ALCO, diantaranya: 1. ALCO Minutes, dengan pembahasan tindak lanjut dari hasil keputusan Meeting ALCO sebelumnya. 2. Macro Economic Issue, analisa terhadap kondisi perekonomian makro baik secara global maupun nasional seperti; pertumbuhan ekonomi, ekspor-impor, inlasi, cadangan devisa dan kebijakan-kebijakan pemerintah yang memiliki dampak langsung maupun tidak langsung terhadap kinerja Bank. 3. Monetary Economic Issue, analisa terhadap kondisi perekonomian dari sisi moneter baik secara global maupun nasional seperti; tingkat suku bunga, nilai tukar, pasar modal, serta kebijakan-kebijakan moneter dari pihak Regulator yang memiliki dampak langsung maupun tidak langsung terhadap posisi simpanan, kredit dan proitabilitas Bank. 4. Financial Highlight, analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan bulan yang bersangkutan dengan bulan sebelumnya. 5. Pencapaianrealisasi target yang telah ditentukan di dalam rencana Bisnis Bank. 6. Mengevaluasi perkembangan dan prospek indikator – indikator ekonomi dan menganalisis dampaknya terhadap posisi simpanan, kredit dan proitabilitas Bank. 7. Pengelolaan tingkat suku bunga baik untuk lending maupun funding. 8. Pengelolaan tingkat likuiditas bank dalam rangka menjaga tingkat likuiditas yang optimum dan sesuai ketentuan regulator. 9. Pembahasan mengenai kondisi kualitas kredit dan strategi- strategi perbaikan kualitas kredit dalam rangka menjaga kondisi tingkat Kesehatan Bank. 10. Pembahasan mengenai Gap Maturity. 11. Mengawasi risiko-risiko likuiditas dan struktur neraca Bank. 2. Plan, determine, and control the Bank’s fund sources and use; 3. Determine credit interest rate and funding; 4. Evaluate budget and realization of the Bank’s Financial Statements by observing Bank’s indicatorsrisks; 5. Formulate, determine, and evaluate policies, strategies, and targets of the following ALMA sectors: • Strategy Management; • Liquidity Management; • Gap Management; • Pricing Management; 6. Monitor and observe development of microeconomic and macroeconomic conditions, such as inlation, exchange rates, development of interest rates affecting the Bank’s performance. aLCO MeeTInG ALCO meets at least once in 1 one month or at any time when necessary. Throughout 2016, ALCO Committee has conducted 14 Fourteen meetings attended by the members of the Committee. ALCO Meeting Agenda, among others: 1. ALCO Minutes, a follow-up discussion of the results in the previous ALCO Meeting. 2. Macro Economic Issues, an analysis of the macro economic conditions both globally and nationally such as; economic growth, export-import, inlation, foreign exchange reserves and government policies that have an impact directly or indirectly on the performance of the Bank. 3. Economic Monetary Issue, an analysis about the economy from the monetary side, both globally and nationally such as; interest rates, exchange rates, capital market, and monetary policies of the Authorities which has an impact directly or indirectly on the position of savings, credit and Bank’s proitability. 4. Financial Highlights, Financial performance analysis is an activity that includes a comparison between the inancial performance of the month to the previous month. 5. Achievement realization of the targets set in the Business plan. 6. Evaluating the development and the prospect of economy indicator as well as analyze the impact on the Bank’s deposit, credit, and proitability position. 7. Management of lending or funding interest rate 8. Evaluate the level of bank liquidity in order to maintain optimum liquidity level and the terms authority. 9. Discussion on he credit quality condition and credit quality improvement strategies in order to maintain Bank’ Health condition. 10. Discussion of the Gap Maturity. 11. The management of interest rates both for lending and funding. 2016 pT BanK VicToria inTernaTional TBK. PeLaKsanaan TuGas aLCO Tahun 2016 ALCO merupakan suatu wadah yang memfasilitasi suatu proses yang berkesinambungan dalam pelaksanaan strategi bank untuk menjaga agar risiko-risiko tetap berada di dalam tingkat yang dapat ditolerir dan sesuai dengan kapasitas bank dan Prudential Banking Services. Pelaksanaan Tugas Komite ALCO tahun 2016 sebagai berikut: 1. Menganalisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan bulan yang bersangkutan dengan bulan sebelumnya; 2. Mengevaluasi perkembangan dan prospek indikator- indikator ekonomi dan menganalisis dampaknya terhadap posisi simpanan, kredit dan proitabilitas Bank; 3. Mengelola tingkat likuiditas Bank dalam rangka menjaga tingkat likuiditas yang sehat dan sesuai ketentuan Regulator; 4. Mengawasi risiko-risiko likuiditas dan struktur neraca Bank; 5. Menjaga tingkat proitabilitas bank pada tingkat yang sehat; 6. Menjaga pertumbuhan assets dan liabilities sesuai dengan Rencana Bisnis Bank; 7. Menjaga tingkat kualitas assets; 8. Melakukan evaluasi terhadap maturity gap; 9. Meningkatkan fee based income melalui diversiikasi produk aktivitas baru; 10. Mengevaluasi tingkat suku bunga Bank. KOMITe TeKnOLOGI InFOrMasI Komite teknologi Informasi merupakan Executive Committee yang berfungsi sebagai wadah penganalisapengevaluasi pelaksanaan pengelolaan di bidang Teknologi informasi. sTruKTur Dan KeanGGOTaan KOMITe TeKnOLOGI InFOrMasI Susunan keanggotaan Komite Teknologi Informasi adalah sebagai berikut. Ketua : President Director Koordinator Komite : Deputy President Director Wakil Koordinator Komite : Associate Director of Operations and System Sekretaris : 1. Kepala Divisi Information Technology 2. Wakil Kepala Divisi Information Technology Anggota : 1. Director of Compliance and Risk Management 2. Kepala Divisi Risk Management Integrated 3. Kepala Divisi Operational and Internal Control 4. Kepala Divisi Finance and Accounting The IMPLeMenTaTIOn OF aLCO TasKs In 2016 ALCO is a forum that facilitates a continuous process in the implementation of the Bank’s strategy to maintain risks within tolerable levels and in accordance with the Bank‘s capacity and a Prudential Banking Services. The implementation of ALCO Committee’s Duties in 2016 were as follows: 1. Analyzed the inancial performance that includes the comparison between month-of-month inancial performance; 2. Evaluated the progress and prospects of economicindicators as well as analyzed their impact on the position of deposits, loans and proitability of the Bank; 3. Evaluated the Bank liquidity level in order to maintain a healthy liquidity level and in accordance with authority provisions; 4. Monitores the Bank’s liquidity and balance sheet structure risks; 5. Maintained the level of bank proitability at a healthy level; 6. Maintained the growth of assets and liabilities in accordance with the Bank Business Plan; 7. Maintained assets quality level; 8. Evaluated the maturity gap; 9. Increased fee based income with new productactivity diversiication; 10. Evaluated the Bank interest rate. INFORMATION TECHNOLOGY COMMITTEE The Information Technology Committee is an Executive Committee functioning to analyze and evaluate the implemented management in Information technology sector. The sTruCTure anD MeMBershIP OF InFOrMaTIOn TeChnOLOGY COMMITTee The membership of the Information Technology Committee compositin are as follows: Chairman : President Director the Committee Coordinator : Deputy President Director Deputy Committee Coordinator : Associate Director of Operations and System Secretary : 1. Division Head of Information technology 2. Deputy Division Head of Information technology Member : 1. Director of Compliance and Risk Management 2. Division Head of Risk ManagementIntegrated 3. Division Head of Operational and Internal Control 4. Division Head of Finance and accounting 2016 annual reporT 5. Kepala Divisi Commercial Bank – 1 6. Kepala Divisi Commercial Bank – 2 7. Kepala Divisi Credit Administration 8. Kepala Divisi Marketing Communication and Product Development 9. Kepala Divisi General Affairs Uraian Tugas Komite Teknologi Informasi adalah sebagai berikut. 1. Membuat rencana strategis Teknologi Informasi Information Teknology Strategic Plan yang sesuai dengan rencana strategis kegiatan usaha Bank. 2. Perumusan kebijakan prosedur Teknologi Informasi sesuai dengan PBI No.915PBI2007 tanggal 30 November 2007 tentang Penerapan Managemen Risiko dalam Penggunaan teknologi Informasi oleh Bank Umum. 3. Melakukan pemantauan kesesuaian proyek-proyek teknologi Informasi yang disetujui dengan rencana strategis teknologi Informasi. 4. Melakukan pemantauan kesesuaian proyek-proyek teknologi Informasi dengan rencana proyek project charter yang disepakati dalam Service Level Agreement SLA. 5. Melakukan pemantauan kesesuaian Teknologi Informasi dengan kebutuhan Sistem Informasi Manajemen yang mendukung pengelolaan kegiatan usaha Bank. 6. Melakukan evaluasi terhadap efektivitas langkah-langkah manajemen resiko teknologi Informasi. 7. Melakukan pemantauan atas kinerja Teknologi Informasi dan upaya peningkatannya. 8. Melakukan penyelesaian berbagai masalah terkait Teknologi Informasi yang tidak dapat diselesaikan oleh Satuan Kerja pengguna dan Satuan Kerja penyelenggara. 9. Melakukan evaluasi kecukupan dan lokasi sumber daya yang dimiliki Bank. raPaT KOMITe TeKnOLOGI InFOrMasI Komite teknologi Informasi melakukan pertemuan sekurang- kurangnya sekali dalam 6 enam bulan atau sewaktu-waktu sesuai dengan kebutuhan pengembangan Teknologi Informasi. Sepanjang tahun 2016, Komite Teknologi Informasi mengadakan 1 satu kali rapat dengan rincian sebagai berikut. Tabel rapat Komite Teknologi Informasi Tanggal Date agenda agenda 16 November 2016 16 November 2016 - Update Status Project 2016 - Update Status Project 2016 - Future Project untuk 2017 dan RBB - Future Project for 2017 and BBP 5. Division Head of Commercial Bank-1 6. Division Head of Commercial Bank-2 7. Division Head of Credit administration 8. Division Head of Marketin 9. Division Head of General Affairs The Information Technology Committee has the following tasks. 1. Formulate information technology strategic plan in line with the Bank’s business activity strategic plan; 2. Formulate Information Technology policy and procedure in accordance with BI Regulation No.915PBI2007 dated 30 November 2007 on Risk Management Implementation in Information Technology Use by Commercial Banks; 3. Monitor consistency of approved Information Technology projects with Information Technology strategic plan; 4. Monitor consistency of Information Technology projects with the project charter agreed in the Service Level Agreement SLA; 5. Monitor the consistency of Information Technology with the Management Information System requirements supporting management of the Bank’s business activities 6. Evaluate the effectiveness of Information Technology risk management measures; 7. Monitor Information Technology performance and improvement efforts; 8. Make efforts to solve problems related to Information Technology unsolvable by the user Working Unit and implementer Working Unit; 9. Evaluate the adequacy and allocation of the Bank’s resources. The InFOrMaTIOn TeChnOLOGY COMMITTee MeeTInG the Information technology Committee meets at least once every 6 six months or at any time as necessary. Throughout 2016, the Information Technology Committee held 1 one meetings with the following details. 2016 pT BanK VicToria inTernaTional TBK. PeLaKsanaan TuGas KOMITe TeKnOLOGI InFOrMasI Tahun 2016 Pelaksanaan Tugas Komite Teknologi Informasi sebagai berikut. 1. Memberikan rumusan dan kebijakan terkait Rencana Strategis Teknologi Informasi Informaion Technology Strategic Plan yang sesuai dengan rencana strategi kegiatan usaha Bank. 2. Memberikan kegiatan terkait dengan kesesuaian proyek- proyek teknologi Informasi yang disetujui dengan rBB. 3. Memonitor dan memantau atas kesesuaian proyek-proyek teknologi Informasi dengan rencana proyek Project Charter yang disepakati dalam Service Level Agreement SLA agar lebih efektif. 4. Membahas dan memutuskan atas penyelesaian berbagai masalah terkait teknologi Informasi yang tidak dapat diselesaikan oleh Satuan Kerja pengguna dan Satuan Kerja penyelenggara. KOMITe PRODUCT Komite Product merupakan komite yang membantu Direksi dalam memberikan arahan kebijakan yang berkaitan dengan pengelolaan produk yang akan danatau telah diterbitkan agar produk tersebut mampu bersaing dengan Bank lain. Dalam pelaksanaannya Komite wajib memperhatikan kepentingan nasabah dan Bank, sekaligus menerapkan prinsip-prinsip kehati- hatian dan manajemen risiko. sTruKTur Dan KeanGGOTaan KOMITe PrODuCT Berikut struktur dan keanggotaan Komite Product. Ketua : Associate Director of Operation and System Sekretaris : Kepala Divisi Marketing Communication and Product Development Anggota : Associate Director of Funding and Branch Management Kepala Divisi Funding and Wealth Management Kepala Divisi Brach Banking Network Kepala Divisi Information Technology Kepala Divisi Operation and Internal Control Kepala Divisi Compliance, KYC Integrated and System Procedure Kepala Divisi Finance and Accounting Product Development Senior Oficer uraIan TuGas Dan TanGGunG JaWaB KOMITe PrODuCT Uraian tugas Komite Product adalah sebagai berikut. 1. Memberikan masukan pertimbangan dan rekomendasi atas pengelolaan produk asset and liabilities kepada Direksi mulai dari rencana penerbitan, pengembangan danatau modiikasi produk, sampai dengan melakukan analisiskajian terhadap existing product; The IMPLeMenTaTIOn OF The InFOrMaTIOn TeChnOLOGY COMMITTee DuTIes In 2016 The Information Technology Committee’s Tasks execution in 2015, was as follows: 1. Provided policy and formulation related to the Information Technology Strategic Plan in accordance with the Bank’s business strategy; 2. Provided input related to conformity of IT projects as approved by the BBP; 3. Monitored and supervised the consistency of Information Technology projects with the project charter agreed in the Service Level Agreement SLA to be more effective; 4. Discussed and decided on the settlement of various problems related to the Information technology that can not be resolved by the user Working Unit and implementer Working Unit PrODuCT COMMITTee the product Committee is a committee assisting the Board of Directors in providing policy direction pertaining to the management of products which will be or have been issued to make the products competitive with those of other Banks. In performing its tasks, the Committee must take into account the interests of the customers and the Bank and at the same time apply the principle of prudence and risk management. The sTruCTure anD MeMBershIP OF The PrODuCT COMMITTee The following is the structure and membership of the Product Committee Chairman : Associate Director of Operation and System Secretary : Division Head of Marketing Communication and Product Development Member : Associate Director of Funding and Branch Management Division Head of Funding and Wealth Management Division Head of Branch Banking Network Division Head of Information Technology Division Head of Operation and Internal Control Division Head of Compliance, KYCIntegrated and System Procedure Division Head of Finance and Accounting Product Development Senior Oficer DesCrIPTIOn OF The DuTIes anD resPOnsIBILITIes OF PrODuCT COMMITTee The Product Committee has the following tasks. 1. Provide considerations and recommendations on management of product assets and liabilities to the Board of Directors starting from the product issuance plan, development, andor modiication up to analysis review of the existing products; 2016 annual reporT 2. Mengawasi Kebijakan Produk agar dapat diterapkan dan dilaksanakan secara konsekuen, konsisten, dan bertanggung jawab, serta mencari solusi apabila terjadi hambatan atau kendala dalam penerapannya; 3. Memantau dan mengevaluasi potensial risiko yang akan terjadi terhadap : a. Perkembangan penjualan produk dan portofolio produk; b. Poin-poin pengawasan Kebijakan Produk; c. Strategi Kebijakan Produk; d. Portofolio Produk untuk kemudian dipergunakan sebagai masukan dan saran kepada Direksi untuk menentukan langkah-langkah perbaikan yang diperlukan. raPaT KOMITe PRODUCT Komite Product menyelenggarakan rapat secara berkala atau sewaktu-waktu apabila diperlukan insidentil. Sepanjang 2016 Komite Product telah melaksanakan 1 satu kali pertemuan dengan pembahasan seputar pelaporan dan rencana aktiitas produk Giro, Tabungan, Deposito Bancassurance, serta pembahasan mengenai rencana aktiitas produk layanan eMoney. PeLaKsanaan TuGas KOMITe PRODUCT Tahun 2016 pelaksanaan tugas Komite Product tahun 2016 sebagai berikut. 1. Sharing terkait produk program Giro, Tabungan dan Deposito. 2. Sharing prosedur penerbitan produk tabungan dan deposito; 3. Sharing terkait aktiitas dan produk Bancassurance; KOMITe PersOnaLIa Komite Personalia merupakan komite yang membantu Direksi dalam merumuskan Kebijakan, mengawasi pelaksanaan kebijakan, memantau perkembangan dan kondisi Ketenagakerjaan serta memberikan saran langkah perbaikan yang sesuai dengan peraturan Ketenagakerjaan Bank dan Undang-undang Ketenagakerjaan yang berlaku di lndonesia. sTruKTur Dan KeanGGOTaan KOMITe PersOnaLIa Adapun keanggotaan Komite Personalia yaitu: Ketua : President Director Sekretaris : Kepala Divisi Human Capital Management Anggota : Deputy President Director Director of Business Director of Credit uraIan TuGas Dan TanGGunG JaWaB KOMITe PersOnaLIa Uraian Tugas Komite Personalia adalah sebagai berikut. 1. Memberikan masukan kepada Direksi dalam merumuskan kebijakan ketenagakerjaan; 2. Supervise product policies for possible application and implementation in a consequent, consistent, and responsible manner and ind solutions to any obstacles or constraints occurring in the implementation; 3. Monitor and evaluate potential risks to: a. Progress of product sales and portfolio b. Supervision points of Product Policies c. Product Policy Strategies d. Product Portfolio to be then used as inputs and suggestions for the Board of Directors to determine necessary improvement measures. PrODuCT COMMITTee MeeTInG the product Committee conducted meetings periodically or occasionally. Throughout 2016 the Product Committee has conducted 1 one meeting with discussions on the reporting and planned activities of Demand Deposit, Savings, Deposits Bancassurance products, as well as discussion on EMoney service product activity plan. The PrODuCT COMMITTee DuTIes In 2016 The Product Committee performed the following tasks in 2016. 1. Sharing on Demand Deposit, Savings, and Deposits program 2. Sharing on the savings and deposits producs launching procedure 3. Sharing on the Bancassurance products and acvitities. PersOnneL COMMITTee the personel Committee is a committee assisting the Board of Directors in formulating policies, supervising policy implementation, monitor development and condition of personnel, and providing improvement measures in accordance with the Bank’s personnel rules and the applicable labor law in Indonesia. The sTruCTure anD MeMBershIP OF The PersOnneL COMMITTee The membership of the Personnel Committee is as follows Chairman : President Director Secretary : Division Head of Human Capital Management Member : Deputy President Director Director of Business Director of Credit DesCrIPTIOn OF The DuTIes anD resPOnsIBILITIes OF The PersOnneL COMMITTee The Personnel Committee has the following tasks. 1. Provide feedback for the Board of Directors on formulation of personnel policies 2016 pT BanK VicToria inTernaTional TBK. 2. Mengawasi kebijakan yang berhubungan dengan karyawan dilaksanakan secara konsekuen dan konsisten; 3. Melakukan kajian terhadap kebijakan ketenagakerjaan Bank dan memberikan saran kepada Direksi apabila diperlukan perubahan kebijakan ketenagakerjaan Bank; 4. Memantau dan mengevaluasi efektiitas setiap pegawai; 5. Memberikan masukan dan solusi untuk hambatan dan masalah yang terjadi terkait dengan ketenagakerjaan Bank. raPaT KOMITe PersOnaLIa Rapat Komite Personalia diselenggarakan minimal sekali dalam 1 satu bulan. Selama 2016, Komite Personalia telah melaksanakan 12 kali rapat dengan rincian sebagai berikut: Tanggal rapat Meeting Date agenda rapat Meeting agenda 18 Januari 2016 18 January 2016 - Rapat Kerja Bank Victoria 2016. - Rencana Jadwal Pendidikan 2016. - Meeting of Bank Victoria, 2015. - Plan 2016 Education Schedule. 15 Februari 2016 15 February 2016 - Pinjaman Karyawan - Perubahan Struktur Organisasi - Training Leadership - Asuransi Karyawan Kesehatan - Employee Loan - Organizational Structure Change - Training Leadership - Employee Health Insurance 14 Maret 2016 14 March 2016 - persiapan rekruitmen dan Offering Letter Karyawan Manado - Pelaksanaan KPI Karyawan 2016 - Employee KPI Implementation 2016 - Recruitment Preparation and Manado Employee Offering Letter 18 April 2016 18 April 2016 - Training Karyawan Manado di Jakarta - perpanjangan asuransi Generali - Manado Employee Training in Jakarta - General Insurance extended 16 Mei 2016 16 May 2016 - Buka Puasa Bersama 1437 H - Corporate Social Responsibility CSR 2016. - Breakfasting 1437 H - Corporate Social Responsibility CSR 2016. 28 Juni 2016 28 June 2016 - Pengaturan Lembur Non Staff - Usulan Penambahan Petugas Sekuriti Jaga 24 Jam 25 Juli 2016 25 July 2016 - Pengelolaan Loan Karyawan oleh Divisi HCM. - Jadwal Training Bulan agustus. - Employee Loan Management by Division of HCM - Training Schedule on August 15 Agustus 2016 15 August 2016 - Training Effective Personal Productivity - training effective personal productivity 05 September 2016 05 September 2016 - proses rekruitmen Oficer Development Program ODP. - Jadwal Kurikulum Oficer Development Program ODP. - Jadwal Training Bulan September 2016 - Recruitment Process of Oficer Development Program - Schedule and Curiculum Oficer Development Program - Training Schedule on September, 2016 03 Oktober 2016 03 October 2016 - Kegiatan CSR Donor Darah. - CSR Blood Donor Event 07 November 2016 07 November 2016 - Corporate Social Responsibility CSR Yayasan Tuna Netra Elsafan. - Perayaan Natal Bersama Bank Victoria 2016 - Corporate Social Responsibility CSR Tuna Netra Elsafan Foundation - Celebration of Christmas with Bank of Victoria, 2016. 05 Desember 2016 05 December 2016 - Rapat Kerja Bank Victoria 2017 Di Kuala Lumpur. - Meeting of Bank Victoria on 2017 in Kuala Lumpur 2. Supervise policies on employees implemented in a consequent and consistent manner 3. Review the Bank’s personnel policy and provide suggestions to the Board of Directors when changes of such personnel policy are required 4. Monitor and evaluate effectiveness of each employee 5. Provide feedback and solutions to the obstacles and problems relevant to the Bank’s employment RAPAT KOMITE PERSONALIA Personnel Committee’s Meeting held at least once every 1 one month. During 2015, the Personnel Committee has convened 12 twelve times with the details as follows. 2016 annual reporT PeLaKsanaan TuGas KOMITe PersOnaLIa Tahun 2016 Pelaksanaan Tugas Komite Personalia tahun 2016 sebagai berikut: 1. Menyusun jadwal kegiatan pelatihan karyawan Kantor Pusat dan Kantor Cabang; 2. Menyusun jadwal kegiatan training bagi Oficer Development Program Bisnis; 3. Menyampaikan usulan kegiatan CSR serta rencana anggaran kegiatan CSR; 4. Menyampaikan proses kegiatan rekrutmen pegawai; 5. Memberikan usulan terkait kegiatan silaturahmi dengan karyawan; 6. Memberikan usulan penyempurnaan kebijakan dan prosedur terkait Human Capital Management. KOMITe PenGaDaan BaranG Dan Jasa Komite Pengadaan Barang Dan Jasa merupakan Komite yang membantu Direksi dalam hal memberikan masukan untuk hal- hal penting dan relevan dalam perumusan Kebijakan Pengadaan Barang dan Jasa serta memberikan persetujuan untuk setiap pengadaan barang dan jasa. sTruKTur Dan KeanGGOTaan KOMITe PenGaDaan BaranG Dan Jasa Susunan keanggotaan Komite Pengadaan Barang dan Jasa Bank Victoria adalah sebagai berikut. Ketua : Deputy President Director Sekretaris : Kepala Divisi General Affairs Anggota : President Director Direktur Credit uraIan TuGas Dan TanGGunG JaWaB KOMITe PenGaDaan BaranG Dan Jasa Uraian Tugas Komite Pengadaan Barang dan Jasa adalah sebagai berikut. 1. Meminta informasi hal-hal yang diperlukan terkait pengadaan barang dan jasa dari berbagai pihak, baik intemal maupun ekstemal. 2. Memberikan persetujuan terhadap pengajuan pengadaan barang dan jasa. 3. Mengajukan persetujuan kepada Dewan Komisaris terhadap pengadaan barangdan jasa dengan nilaiharga minimum sesuai yang diatur di Anggaran Dasar Perseroan. 4. Memberikan masukan kepada Direksi hal-hal penting dan relevan dalam perumusan kebijakan pengadaan barang dan jasa, sehingga proses Pengadaan barang dan jasa dilakukan secara transparan, obyektif, efektif dan eisien. raPaT KOMITe PenGaDaan BaranG Dan Jasa Selama 2016, Komite Pengadaan Barang dan Jasa telah melaksanakan 12 kali rapat dengan rincian sebagai berikut: THE PERSONNEL COMMITTEE’S TASKS EXECUTION The Personnel Committee’s Task Execution in 2016 are as follows. 1. Develop a schedule of employee training activities for Head Ofice and Branch Ofices; 2. Develop a training schedule for Ofice Development Program Businss; 3. Submit a proposal and plan budgets for CSR activities; 4. Delivering the process of employee recruitment; 5. Provide proposals related for meeting with employees; 6. Provide suggestions to improve policies and procedures related to Human Capital Management. GOOD AND SERVICE PROCUREMENT COMMITTEE The Goods and Services Procurement Committee is a committee assisting the Board of Directors in providing inputs on matters important and relevant to the formulation of Goods and Services procurement policy and giving approvals for goods and services procurement. The sTruCTure anD MeMBershIP OF GOOF anD serVICe PrOCureMenT COMMITTee Susunan keanggotaan Komite Pengadaan Barang dan Jasa Bank Victoria adalah sebagai berikut. Chairman : Deputy President Director Secretary : Division Head of General Affairs Member : President Director Direktur of Credit DesCrIPTIOn OF The DuTIes anD resPOnsIBILITIes OF The GOOD anD serVICes PrOCureMenT COMMITTee The Goods and Services Procurement Committee has the following tasks. 1. Request information on necessary matters related to goods and services procurement from various internal and external parties; 2. Approve proposals for goods and services procurement; 3. Apply for approvals to the Board of Commissioners for goods and services procurement at a minimum valueprice as set forth in the Company’s Articles of Association; 4. Provide feedback for the Board of Directors on matters important and relevant to the formulation of policies on goods and services procurement to allow transparent, objective, effective, and eficient goods and services procurement process. GOODs anD serVICes PrOCureMenT MeeTInG In 2016, the Goods and Service Procurement Committee has conducted 12 meetings with details as follows: 2016 pT BanK VicToria inTernaTional TBK. Tanggal rapat Meeting Date agenda rapat Meeting agenda 11 Januari 2016 11 January 2016 1. Pengadaan Paket Imlek 2016 Procurement of Lunar New Year 2016 2. Perpanjangan Sewa Kantor Kas Habibie Center selama 5 tahun Extension of Cash Ofice Habibie Center for 5 years 3. Perpanjangan Sewa Signage di KCP Setiabudi selama 1 tahun Extension of Rent Signage in KCP Setiabudi for 1 year 4. Pengadaan Jasa CR Modiikasi Module Loan Procurement of CR Services Module Loan Modiication 5. Renovasi Pasar Jatinegara Jatinegara Market Renovation 19 Februari 2016 19 February 2016 1. Jasa Kerjasama dengan GBG Service Cooperation with GBG 2. Pengadaan Server Backup dan Server Production Procurement of Server Backup and Server Production 3. Pengadaaan UPS, KVM Switch dan pengamanan Rack Server Core Banking Procurement UPS, KVM Switch and Security Rack Server Core Banking 4. Relayout Gading Serpong Relayout Gading Serpong 5. Penawaran KNS Group tentang Tanah dibelakangan Gajah Mada KNS Group’s Supply on Land Behind Gajah Mada 6. Perpanjangan Sewa Ruangan Kantor dan Sewa Penempatan Signage Extension of Ofice Lease and Rental of Signage Placement 22 Maret 2016 22 March 2016 1. Pengadaan Ruko Graha Mas Pemuda untuk rencana relokasi KK Utan Panjang Procurement of Ruko Graha Mas Pemuda for relocation plan of KK Utan panjang 2. Pengadaan Kendaraan BM dan Operasional Cabang Manado Procurement of BM Vehicle and Operational Manado Branch 19 Mei 2016 19 May 2016 1. Pengadaan Software Signage Veriication System Procurement Software Signage Veriication System 2. Pengadaan Jasa Manage Service dan Colocation Engine PSAK CR-One Procurement of Service Manage Service and Colocation Engine PSAK Cr-one 3. Perpanjangan maintenance IBM AS400 tahun 2016-2017 Extended maintenance of IBM AS400 2016-2017 4. Addendum Pekerjaaan Tambah Kurang rencana Cabang Kelapa Gading Addendum Work Added Less Plans of Kelapa Gading Branch 5. Budget Pengadaan Access Door untuk seluruh Cabang Bank Victoria Budget Procurement of Access Door for all Branches of Bank Victoria 6. Budget Pergantian Signage 30 Cabang yang sudah jelek Budget Substitution Signage 30 Branch already bad 17 Juni 2016 17 June 2016 1. Pengadaan Jasa Manage Service dan Colocation Engine PSAK CR-One Procurement of Service Manage Service and Colocation Engine PSAK Cr-one 2. Budget pengadaan Access Door untuk seluruh Cabang Bank Victoria Budget Procurement Access Door for all Branches Victoria Bank 3. Budget pergantian Signage 30 Cabang yang sudah jelek Budget Substitution Signage 30 Branch already bad 01 Agustus2016 01 August 2016 1. CR Enhancement LBU dari Sigma CR Enhancement LBU from Sigma 28 Juli 2016 28 July 2016 1. Pengadaan Kalender Bank Victoria 2017 Procurement of Victoria Bank Calendar 2017 2. Pengadaan Aplikasi dan Infrastruktur Call Center Bank victoria procurement of Call Center Bank applications and Infrastructure 3. Perpanjangan Maintenance HSM 2016-2017 HSM Maintenance Extension 2016-2017 4. Pengadaan video Conference polycom procurement of polycom video Conference 5. Pengadaan Jasa CR Enhancement LBU dari Sigma Procurement of LBU CR Enhancement Services from Sigma 6. Pengadaan Sewa Ruko Rawamangun Procurement Rental Rent Rawamangun 15 September 2016 15 September 2016 1. Perngadaan License OS Window 2016 License O S Window 2016 2. Pengadaan Mesin EDC Procurement of EDC Machines 3. Perpanjangan Jasa vulneriability Assesment Penetration Test 2016 Extension of Service Vulneriability Assessment Penetration Test 2016 4. Pengadaan Security Information Event Management and Application Performance Monitoring Procurement of Security Information Event Management and Application Performance Monitoring 5. Pengadaan Server Konsolidasi Procurement of Consolidated Servers 27 Oktober 2016 27 October 2016 1. Pengadaan CR Pengembangan Modul ITM untuk koneksi IVR Procurement of ITM Module Development CR for IVR connection 2. Pengadaan Project Smartnet Procurement of Project Smartnet 3. Pengadaan Wealth Management Application Procurement of Wealth Management Application 28 November 2016 28 November 2016 1. Penunjukkan KJPP Independen untuk melakukan Reappraisal debitur NPL, AYDA dan WO Appointment of Independent KJPP to conduct Reappraisal of NPL debtors, OREO and WO 6 Desember 2016 6 December 2016 1. Perpanjangan Sewa KCP Ariobimo Extension of KCP Ariobimo Rental 2. Perpanjangan Sewa KK Wisma Indocement Extension of Rent of KK Wisma Indocement 3. Penunjukkan KJPP Independen untuk melakukan reappraisal Debitur NPL, AYDA dan WO Appointment of Independent KJPP to reappraisal NPL Debtors, OREO and WO 4. Perpanjangan Sewa KK Cikokol Extension of Rent of KK Cikokol 5. Sewa Graha Pena untuk Rencana KK Surabaya Rent Graha Pen for KK Surabaya Plan 6. Renovasi Rencana KK Surabaya – Graha Pena Renovation Plan KK Surabaya - Graha Pena 15 Desember 2016 15 December 2016 1. Renovasi Rencana KC Bali – Imam Bonjol renovation of Bali KC plan - Imam Bonjol 2. Sewa Graha BIP – GF rent Graha BIp - GF PeLaKsanaan TuGas KOMITe PenGaDaan BaranG Dan Jasa Tahun 2016 Pelaksanaan Tugas Komite Pengadaan Barang dan Jasa tahun 2016 sebagai berikut. 1. Memberikan persetujuan terhadap pengajuan pengadaan barang dan jasa Bank; 2. Mengajukan usulan untuk dimintakan persetujuan kepada Dewan Komisaris terhadap pengadaan barang dan jasa yang memerlukan persetujuan Dewan Komisaris; dan 3. Memberikan masukan kepada Direksi terkait kebijakan pengadaan barang dan jasa. GOODS AND SERVICES PROCUREMENT COMMITTEE’S TasKs eXeCuTIOn Goods and Services Procurement Committee Task Execution in 2016 is as follows. 1. Give consent to the proposal of the Bank’s procurement of goods and services; 2. Submit proposal for the Board of Commissioners’ approval on the procurement of goods and services which require the approval of the Board of Commissioners; and 3. Provide feedback to the Board of Directors related to the procurement of goods and services. 2016 annual reporT KOMITe PeManTau PeLaKsanaan GOOD CORPORATE GOVERNANCE Komite pemantau pelaksanaan Good Corporate Governance merupakan komite yang membantu Direksi dalam memberikan arahan kebijakan yang berkaitan dengan pelaksanaan Good Corporate Governance GCG di Bank victoria. sTruKTur Dan KeanGGOTaan KOMITe PeManTau PeLaKsanaan GOOD CORPORATE GOVERNANCE Susunan keanggotaan Komite Pemantau Pelaksanaan Good Corporate Governance adalah sebagai berikut. Ketua : Direktur Compliance and Risk Management Sekretaris : Kepala Divisi Compliance, KYCIntegrated and System Procedure Wakil Kepala Divisi Compliance, KYCIntegrated and System Procedure Anggota : Seluruh Kepala Divisi uraIan TuGas Dan TanGGunG JaWaB KOMITe PeManTau PeLaKsanaan GOOD COrPOraTe GOVernanCe Uraian tugas Komite Komite pemantau pelaksanaan Good Corporate Governance adalah sebagai berikut. 1. Memantau dan menganalisis setiap kebijakan terbaru maupun best practice terkait penerapan GCG; 2. Melakukan pengkinian kebijakan internal existing terhadap setiap perubahan kebijakan GCG, sehingga kebijakan yang digunakan sesuai dengan kebijakan terbaru dan sesuai best practice; 3. Memantau secara berkala terhadap rencana dan realisasi pencapaian bisnis Bank melalui rapat-rapat Komite; 4. Memantau action plan dan pelaksanaannya melalui rapat- rapat komite; 5. Menentukan aspek dan PICpetugas dalam penyusunan GCG sesuai dengan bidang yang tercermin dari aspek-aspek GCG; 6. Mengkoordinir pembuatan pelaporan pelaksanaan GCG yang dilengkapi dan didukung dengan underlying-nya; 7. Memantau pelaporan pelaksanaan GCG Bank dan melakukan Self Assessment sesuai ketentuan berlaku; 8. Memantau proses penyampaian dan pendokumentasian pelaporan kepada pihak-pihak yang disebutkan dalam ketentuan diantaranya kepada Pemegang Saham, Bank Indonesia, Yayasan Lembaga Konsumen Indonesia YLKI, Lembaga Pemeringkat di Indonesia, Asosiasi-asosiasi Bank di Indonesia, Lembaga Pengembangan Perbankan Indonesia LPPI, 2 dua Lembaga penelitian di bidang ekonomi dan keuangan dan 2 dua majalah ekonomi dan keuangan. raPaT KOMITe PeManTau PeLaKsanaan GOOD CORPORATE GOVERNANCE Dalam melaksanakan tugasnya, Komite Pemantau Pelaksanaan GCG melakukan pertemuan berkala bulanan atau sewaktu- waktu sesuai dengan kebutuhan. Hasil Rapat telah di tuangkan dalam Risalah Rapat dan didokumentasikan dengan baik. GOOD COrPOraTe GOVernanCe IMPLeMenTaTIOn MOnITOrInG COMMITTee The Good Corporate Governance Implementation Monitoring Committee is a committee that helps the Board of Directors in providing policy direction relating to the implementation of Good Corporate Governance GCG at Bank victoria. The sTruCTure anD MeMBershIP OF GOOD COrPOraTe GOVernanCe IMPLeMenTaTIOn MOnITOrInG COMMITTee The membership composition of Good Corporate Governance Implementation Monitoring Committee Chairman : Director of Compliance and Risk Management Secretary : KIntegrated and System Procedure Division Head of Compliance, KYC Integrated and System Procedure Member : All Division Head DesCrIPTIOn OF The DuTIes anD resPOnsIBILITIes OF The GOOD COrPOraTe GOVernanCe IMPLeMenTaTIOn MOnITOrInG COMMITTee Duties of Good Corporate Governance Implementation Monitoring Committee are as follows. 1. Monitor and analyze any new policies and best practices related to the implementation of GCG; 2. Monitor internal policies existing to any GCG policy changes, so that the policy used is in accordance with the latest policy and appropriate best practices; 3. Regularly monitor Bank’s business plan and realization achievement through the Committee meetings; 4. Monitor the action plan and its implementation through the committee meetings; 5. Determine aspects and PICoicers in the preparation of GCG in accordance with the relected ield of GCG aspects; 6. Coordinate GCG implementation report preparation which equipped and supported by its underlying; 7. Monitor the Bank’s GCG implementation reporting and perform Self-Assessment according to the applicable provisions; 8. Monitor the process of delivering and documenting report to the parties under the terms including the Shareholders, Bank Indonesia, the Indonesian Consumers Foundation YLKI, Rating Agency in Indonesia, Bank Associations in Indonesia, Indonesian Banking Development Institute LPPI, 2 two research institution in economics and inance, and two 2 economic and inancial magazine. GOOD COrPOraTe GOVernanCe IMPLeMenTaTIOn MONITORING COMMITTEE’S MEETINGS In performing its duties, THE GCG Implementation Monitoring Committee meeting periodically monthly or at any time according to its need. The Meeting result has been set forth in the Minutes of Meeting and properly documented. 2016 pT BanK VicToria inTernaTional TBK. During 2016, the Committee has conducted 12 twelveperiodic meetings to discuss GCG related issues as follows: The eXeCuTIOn OF GOOD COrPOraTe GOVernanCe IMPLEMENTATION MONITORING COMMITTEE’S TASKS The execution of GCG Implementation Monitoring Committee’s tasks in 2016 were as follows. 1. The Committee Chairman lead and coordinated the tasks of the Committee’s members. 2. Coordinated with other Executive Committees, in regards of the implementation of the tasks, authority and responsibilities of the GCG Implementation Monitoring Committee. 3. Conducted a discussion between members of the GCG Implementation Monitoring Committee with Chairman other Member of the Executive Committee related issues in their respective tasks. Discussions are held regularly and incidental. 4. Created collaboration and coordination with other Committees under the Board of Commissioners regarding the GCG implementation. Selama tahun 2016 Komite telah melakukan meeting berkala sebanyak 12 dua belas kali untuk membicarakanmembahas terkait GCG Bank, sebagai berikut: Tanggal rapat Meeting Date agenda rapat Meeting agenda 15 Januari 2016 15 January 2016 • Sosialisasi Penerapan Kebijakan Baru BI OJK • Mitigasi DendaPinaltyFraud • Socializing the Implementation of BI OJK New Policy • Fines Penalties Fraud Mitigation 16 Februari 2016 16 February 2016 • Kebijkan Baru BIOJK • Mitigasi DendaPinaltyFraud • Pemeriksaan OJK • Review Kebijakan GCG • New BI OJK Policy • Fines Penalties Fraud Mitigation • Examination of OJK • Review of GCG Policy 15 Maret 2016 15 March 2016 • Kebijkan Baru BIOJK • New BI OJK Policy 19 April 2016 19 April 2016 • Struktur Unit Kerja Sistem dan Prosedur • Realisasi Kerja Unit Kerja Sistem prosedur • Strategi dan Action Plan tahun 2016 • Penyusunanpembuatan SOP, SK dan SE-DIR melibatkan SKAI dan Legal. • Structure of the System Work Unit and Procedures • Realization of Work Unit System procedures • Strategy and Action Plan 2016 • The preparation preparation of SOP, SK and SE-DIR involves SKAI and Legal. 17 Mei 2016 17 May 2016 • Kebijkan Baru BIOJK • Komite Dibawah Direksi • Pemeriksaan OJK • New BI OJK Policy • Committees Under the Board of Directors • Examination of OJK 14 Juni 2016 14 June 2016 • Temuan OJK • Kebijkan Baru BIOJK • Komite Dibawah Direksi • OJK indings • New BI OJK Policy • Committees Under the Board of Directors 27 Juli 2016 27 July 2016 • Temuan OJK • Temuan PwC • Kebijkan Baru BIOJK • OJK indings • PwC indings • New BI OJK Policy 12 Agustus 2016 12 August 2016 • Temuan Audit PwC OJK • Kebijkan Baru BIOJK • Persiapan Bank Devisa • Audit Finding PwC OJK • New BI OJK Policy • Preparation of Foreign Exchange Bank 13 September 2016 13 September 2016 • Temuan Audit OJK • Kebijkan Baru BIOJK • Persiapan Bank Devisa DEG • OJK Audit Findings • New BI OJK Policy • Preparation of Foreign Exchange Bank DEG 14 Oktober 2016 14 October 2016 • Kunjungan KC Surabaya • Kebijkan Baru BIOJK • Persiapan Bank Devisa DEG • File Kredit • Visit KC Surabaya • New BI OJK Policy • Preparation of Foreign Exchange Bank DEG • Credit File 15 November 2016 15 November 2016 • Concern OJK • Kebijkan Baru BIOJK • Persiapan Bank Devisa • Templete RBB Baru tahun 2017 • Concern OJK • New BI OJK Policy • Preparation of Foreign Exchange Bank • New RBB Template 2017 16 Desember 2016 16 December 2016 • Bank Devisa • Kebijkan Baru BIOJK • Foreign Exchange Bank • New BI OJK Policy PeLaKsanaan TuGas KOMITe PeManTau PeLaKsanaan GOOD CORPORATE GOVERNANCE Tahun 2016 pelaksanaan tugas Komite pemantau pelaksanaan GCG tahun 2016 sebagai berikut. 1. Ketua Komite memimpin dan mengkoordinasikan tugas- tugas anggota Komite. 2. Melakukan koordinasi dengan Komite-komite Eksekutif lainnya, terkait dengan pelaksanaan tugas, wewenang, dan tanggungjawab Komite Pemantau Pelaksanaan GCG. 3. Melakukan kegiatan diskusi antara anggota Komite pemantau pelaksanaan GCG dengan Ketuaanggota Komite Eksekutif lainnya terkait permasalahan pada bidang tugasnya. Diskusi diselenggarakan baik secara berkala maupun insidentil. 4. Menjalin kerjasama dan koordinasi dengan Komite-komite dibawah Dewan Komisaris terkait pelaksanaan GCG. 2016 annual reporT KOMITe InVesTasI Komite investasi merupakan komite yang membantu Direksi dalam memberikan arahan kebijakan yang berkaitan dengan investasi. sTruKTur Dan KeanGGOTaan KOMITe InVesTasI Susunan keanggotaan Komite Investasi, yaitu: Ketua : Deputy President Director Sekretaris : Kepala Divisi Financial Institutions and Capital Market Anggota : Komisaris Utama President Director Director of Compliance and Risk Management Kepala Divisi Credit Analyst Kepala Divisi Treasury uraIan TuGas Dan TanGGunG JaWaB KOMITe InVesTasI Wewenang dan tanggung jawab Komite Investasi adalah memutuskan rencana investasi Divisi Treasury dalam mencapai optimalisasi imbal hasil pengelolaan portofolio Treasury, khususnya mengenai: 1. Kebijakan dan keputusan investasi Divisi Treasury 2. Strategi pengelolaan portofolio Treasury raPaT KOMITe InVesTasI Selama tahun 2016, Komite Investasi telah mengadakan rapat dengan agenda: Tanggal rapat Meeting Date agenda rapat Meeting agenda 22 Juni 2016 22 June 2016 penetapan Limit Investasi Determination of Investation Limit Kebijakan Investasi Investation policy PeLaKsanaan TuGas KOMITe InVesTasI Tahun 2016 Pelaksanaan Tugas Komite Investasi tahun 2016 sebagai berikut. 1. Menetapkan limit investasi 2. Membuat kebijakan investasi PeneraPan TaTa KeLOLa TerInTeGrasI Pada 18 November 2014, Otoritas Jasa Keuangan OJK telah menerbitkan POJK No.18POJK.032014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan, serta telah mengeluarkan Surat Edaran OJK No.15SEOJK.032015 pada tanggal 25 Mei 2015. InVesTMenT COMMITTee Investment Committee is a committee who assists the Board of Directors in giving policy direction related to the investment activities. sTruKTur Dan KeanGGOTaan KOMITe InVesTasI The Investment Committee membership composition: Chairman : Deputy President Director Secretary : Division Head of Financial Institution and Capital Market Member : President Commissioner President Director Director of Compliance and Risk Management Division Head of Credit Analyst Division Head of Treasure THE DESCRIPTION OF THE INVESTMENT COMMITTEE’S TasKs anD resPOnsIBILITIes The tasks and responsibility of the Investment Committee is to decide on the investment plan that will be carried out by the Treasury Division in achieving optimal yield from the Treasury Division’s portfolio management, in particular on: 1. The investment policy and investment decision of Treasury Division 2. The Treasury Division’s portfolio management strategy The InVesTMenT COMMITTee MeeTInG In 2016, the Investment Committee has conducted a meeting with the following agend: The eXeCuTIOn OF The InVesTMenT COMMITTee TasKs In 2016 The Investment Committee Tasks Execution in 2016 were as follows: 1. The establishment of the investment limit 2. Preparation of the investment policy The IMPLeMenTaTIOn OF an InTeGraTeD GOVernanCe aPPLICaTIOn In November 18, 2014, the Financial Services Authority FSA has published POJK No. 18POJK.032014 on the Implementation of an Integrated Governance for Financial Conglomerate. The FSA also has issued Circular Letter No. 15SEOJK.032015 on 25 May 2015. 2016 pT BanK VicToria inTernaTional TBK. Latar belakang diterbitkannya peraturan mengenai Penerapan tata Kelola terintegrasi Bagi Konglomerasi Keuangan diantaranya adalah untuk: 1. Menciptakan sektor jasa keuangan yang tumbuh berkelanjutan, stabil dan berdaya saing tinggi; 2. Adanya hubungan kepemilikan danatau pengendalian antar Lembaga Jasa Keuangan yang meningkatkan kompleksitas transaksi dan interaksi; serta 3. Meningkatkan kualitas tata kelola yang baik dalam konglomerasi keuangan. tata kelola terintergrasi adalah suatu tata kelola yang menerapkan prinsip-pinsip keterbukaan transparency, akuntabilitas accountability, pertanggungjawaban responsibility, independensi independency atau professional professional dan kewajaran fairness secara terintegrasi dalam Konglomerasi Keuangan. adapun yang dimaksud dengan Konglomerasi Keuangan adalah Lembaga Jasa Keuangan yang berada dalam satu grup atau kelompok karena keterkaitan kepemilikan danatau pengendalian. Mengacu pada pasal 2 dan pasal 3 POJK No.18POJK.022014, suatu Konglomerasi Keuangan wajib menerapkan Tata Kelola terintegrasi secara komprehensif dan efektif serta memiliki struktur yang terdiri dari entitas Utama dan perusahaan Anak danatau Perusahaan Terelasi beserta perusahaan anaknya. Konglomerasi Keuangan yang dimaksud meliputi jenis Lembaga Jasa Keuangan seperti; Bank, Perusahaan Asuransi dan Reasuransi, Perusahan Efek danatau Perusahaan Pembiayaan. Berdasarkan Keputusan Pemegang Saham Pengendali, melalui Surat Penunjukan tertanggal 25 Maret 2015 yang ditandatangani oleh Ibu Suzanna Tanojo, maka Bank Victoria telah ditunjuk sebagai Entitas Utama EU dalam Konglomerasi Keuangan Grup Victoria. Mengacu pada Pasal 7 Peraturan OJK No.18POJK.022014, maka Bank Victoria selaku Entitas Utama diwajibkan untuk menerapkan Tata Kelola Terintegrasi. Terkait dengan penunjukan tersebut, Bank Victoria telah melaporkan kepada OJK melalui Surat Direksi No.052DIR-EKS0315 perihal Laporan LJK Entitas Utama dan LJK yang menjadi Anggota Konglomerasi Keuangan pada tanggal 26 Maret 2015. Beberapa hal yang telah dilakukan oleh Bank Victoria terkait POJK No.18POJK.022014 tersebut adalah sebagai berikut.

1. Perubahan struktur Organisasi Bank Victoria