Pedoman Kerja Komite Manajemen Risiko Terintegrasi The Integrated Risk Management Committee Charter Komite Manajemen Risiko Terintegrasi memiliki pedoman dan

Integrated Risk Management Committee has the guidelines tata tertib kerja sebagai pedoman yang mengikat anggotanya.

and work rules as the guidance that binds its members. In Dalam pedoman kerja tersebut Komite Manajemen Risiko

the guidelines, the Integrated Risk Management Committee Terintegrasi perlu memperhatikan hal-hal berikut:

needs to pay attention to the following:

a. Budaya Manajemen Risiko

a. Risk Management Culture

b. Prinsip Manajemen Risiko

b. Risk Management Principles

c. Alur Informasi dan Kontrol Manajemen Risiko

c. Information Flow and Risk Management Controls

d. Proses Manajemen Risiko

d. Risk Management Process

e. Pelaporan Manajemen Risiko

e. Risk Management Reporting

Pedoman kerja Komite Manajemen Risiko Terintegrasi akan The guidelines of Integrated Risk Management Committee diperbaharui jika dianggap perlu oleh Dewan Komisaris.

will be updated if necessary by the Board of Commissioners.

INTRODUCTION

REPORT FROM THE

Komite di Bawah Direksi

Committees under the Board of Director

Tanggung Jawab KMRT dan SKMRT Responsibilities of the IRMC and the IRMWU KMRT bertanggung jawab memberikan rekomendasi kepada

The IRMC shall be responsible to provide recommendations to Direksi Perseroan, yang bertugas sekurang-kurangnya the Board of Directors of the Company, and shall have at least meliputi:

the following duties:

• Penyusunan kebijakan Manajemen Risiko Terintegrasi;

To prepare Integrated Risk Management policy; •

Perbaikan atau penyempurnaan penerapan Manajemen

To improve or perfect the implementation of Integrated Risiko Terintegrasi berdasarkan hasil evaluasi

Risk Management based on the results of the pelaksanaan.

implementation evaluation.

SKMRT adalah satuan kerja dibawah KMRT yang bertugas The IRMWU is a working unit under the IRMC, which shall sekurang-kurangnya meliputi:

have at least the following duties:

• Menyampaikan masukan kepada Direksi dari Perseroan

To give input to the Board of Directors of the Company in dalam penyusunan kebijakan Manajemen Risiko

the preparation of Integrated Risk Management policy; Terintegrasi;

To monitor the implementation of the Integrated Risk •

Memantau pelaksanaan kebijakan Manajemen Risiko

Management policy;

To monitor the risk profile of the financial conglomerate; •

Terintegrasi;

Memantau profil risiko konglomerasi keuangan;

To conduct stress test;

To periodically review the implementation of integrated • Melaksanakan kaji ulang secara berkala terhadap

• Melakukan stress test;

risk management;

To assess new proposed business lines that are strategic •

penerapan manajemen risiko terintegrasi;

Mengkaji usulan lini binis baru yang bersifat strategis and significantly impact on risk exposure of the financial dan berpengaruh signifikan terhadap eksposur Risiko

conglomerate;

To provide information to the IRMC on matters necessary •

Konglomerasi Keuangan;

Memberikan informasi kepada KMRT terhadap hal-hal to follow up related to the results of evaluation on the yang perlu ditindaklanjuti terkait hasil evaluasi terhadap

implementation of Integrated Risk Management; penerapan Manajemen Risiko Terintegrasi;

To provide input to the IRMC in preparation and • Memberikan masukan kepada KMRT dalam rangka

improvement of Integrated Risk Management policy; penyusunan dan penyempurnaan kebijakan Manajemen

To periodically prepare and submit Integrated Risk Risiko Terintegrasi;

profile report to the Director of the Company in charge •

Menyusun dan menyampaikan laporan profil Risiko in the Integrated Risk Management function and to the Terintegrasi secara berkala kepada Direktur Perseroan

IRMC.

yang membawahi fungsi Manajemen Risiko Terintegrasi dan kepada KMRT.

Pedoman Kerja Komite Manajemen Risiko Terintegrasi The Integrated Risk Management Committee Charter Komite Manajemen Risiko Terintegrasi memiliki pedoman dan