The adequacy of risk Management policies, procedures and limits
TaTa KELoLa pErUSaHaan
Fungsi yang menjalankan pengawasan dalam pengendalian internal diantaranya:
- pengawasan melekat oleh Divisi Kontrol untuk pengawasan kepatuhan Bank terhadap ketentuan
internal Bank. - pengawasan melekat oleh Divisi Kepatuhan untuk
pengawasan kepatuhan Bank terhadap ketentuan eksternal Bank.
- Divisi Manajemen Risiko melaksanakan kaji ulang secara berkala dengan frekuensi yang disesuaikan
kebutuhan Bank, untuk memastikan: a. Kecukupan kerangka manajemen risiko.
b. Keakuratan metodologi penilaian risiko. c. Kecukupan sistem informasi manajemen risiko.
- Satuan Kerja Audit Intern SKAI:
a. Melakukan kaji ulang penerapan manajemen risiko secara berkala.
b. Melakukan pemeriksaan sampling secara periodik dan berdasarkan basis risiko.
Kerangka dasar manajemen risiko tersebut di-review secara periodik dan jika diperlukan dapat direvisi
sesuai dengan perkembangan kompleksitas usaha dan eksposur risiko Bank, ketentuan Bank Indonesia dan
atau berdasarkan best practices terkini.
penetapan Kebijakan dan prosedur pengelolaan
risiko
Secara umum kebijakan manajemen risiko perseroan diarahkan pada hal-hal yang akan mempengaruhi kondisi
keuangan, peningkatan kualitas penerapan manajemen risiko Identiikasi, Pengukuran, Pemantauan, dan
pengendalian, dan perluasanpendalaman kajiananalisa tinjauan risiko serta mitigasi risiko sebagai berikut:
Faktor-Faktor risiko
Bank akan memperhatikan beberapa faktor risiko yang dapat mempengaruhi dan berdampak langsung terhadap
pendapatan dan permodalan Bank. Faktor-faktor utama risiko tersebut difokuskan antara lain:
• Risiko Kredit; • Risiko pasar;
• Risiko Likuiditas; • Risiko operasional dan teknologi Informasi tI;
• Proil Risiko dan Portofolio; • Implementasi sistem core banking temenos t24;
the function carrying out supervision in internal control include among others:
- Inherent supervision conducted by Control Division
to supervise Bank’s compliance related to the Bank’s internal rules.
- Inherent supervision conducted by Compliance Division to supervise Bank’s compliance related to
the Bank’s external rules. - Risk Management Division conducts review on
regular basis with frequency adjusted to the Bank needs, to ensure:
a. Adequacy of risk management framework. b. Accuracy of risk assessment methodology.
c. Adequacy of risk management information system.
- Internal Audit Unit SKAI
a. Conduct review on risk management
implementation on a periodic basis. b. Conduct sampling examination on regular basis
and in accordance with risk basis. the risk management framework above is reviewed
on a periodic basis and if necessary can be reviewed in accordance with the development of business
complexities and Bank risk exposure, Bank Indonesian regulations andor based on the latest best practices in
the industry.
Determining policy and procedure for
Managing risk
In general the risk management of the Company is geared towards matters that will afect inancial condition, increase
in quality of risk management implementation Identify, Measure, Monitor, and Control, and expandingdeepening
the reviewanalysisoutlook of risk as well as risk mitigation. they are as follows:
risk Factors
The Bank will focus on several risk factors that can inluence and directly impact the revenue of capital of the Bank. the
main risk factors in focus as are follows:
• Credit Risk; • Market Risk;
• Liquidity Risk; • Operational and Information Technology Risk;
• Risk Proile and Portfolio; • Temenos Core Banking System Implementation T24;
2016 Annual Report BANK ARTHA GRAHA INTERNASIONAL
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GooD CoRpoRAte GoVeRNANCe
• tujuan utama dalam pengelolaan faktor-faktor risiko utama tersebut di Bank adalah mengidentiikasi,
mengukur, memantau dan mengendalikan jalannya aktivitaskegiatan usaha Bank dengan tingkat
risiko yang wajar secara terarah, terintegrasi, dan berkesinambungan, sehingga manajemen risiko
berfungsi sebagai ilter atau pemberi peringatan dini early warning system terhadap kegiatan usaha Bank
yang senantiasa tidak lepas dari risiko.
Kerangka pengelolaan risiko
Kerangka pengelolaan risiko Bank mencakup 4 empat pilar sebagai berikut:
1. pengawasan Aktif Dewan Komisaris dan Direksi Bank melaksanakan penerapan Good Corporate
Governance GCG secara berkesinambungan. 2. Kecukupan Kebijakan, Strategi dan Kerangka Manajemen
Risiko serta Limit Manajemen Risiko -
Arah kebijakan manajemen risiko lebih diprioritaskan terhadap pengelolaan Risiko Kredit baik secara
transaksional maupun portofolio dan Non Risiko Kredit yang berdampak pada kerugian keuangan
rentabilitas dan permodalan Bank.
- Bank melakukan kajian dan penyempurnaan terhadap kebijakan Risk Appetite, Risk Tolerance, dan
Risk Limit Bank serta kebijakan terkait lainnya yang bersifat strategis.
- Bank melakukan pemantauan atas implementasi pedoman di Bidang Kredit, operasi, treasury, dan
bidang lainnya yang berkaitan dengan Manajemen Risiko.
- Bank melakukan review dan evaluasi terhadap pedoman, kebijakan, dan prosedur manajemen
risiko secara periodik. 3. Kecukupan
Proses Identiikasi,
Pengukuran, pemantauan, dan pengendalian Risiko serta Sistem
Informasi Manajemen Risiko Bank melakukan identiikasi risiko, pengukuran risiko,
pemantauan risiko, pengendalian risiko serta sistem informasi manajemen risiko.
4. Sistem pengendalian Internal yang Menyeluruh Bank memastikan kepatuhan terhadap ketentuan
eksternal dan internal yang berlaku compliance risk, tersedianya informasi manajemen dan keuangan yang
akurat dan handal, efektivitas dan eisiensi kegiatan operasional Bank, serta efektivitas budaya risiko dan
budaya kepatuhan pada setiap jenjang organisasi Bank.
Kerangka pengelolaan risiko tersebut dimaksudkan untuk mengendalikan risiko yang dihadapi dan
mengantisipasi serta mengendalikan potensi kerugian • The main objectives in managing main risk factors of the
Bank above are identifying, measuring, monitoring and controlling the performance of activities of the Bank’s
business within a risk level that fairly directed, integrated and balanced, thus risk management functions as a ilter
or an early warning system towards the Bank’s business activities that are constantly exposed to risk.
Framework for Managing risk
the framework for managing the Bank’s risk covers 4 four pillars as follows:
1. Active Supervision by the Board of Commissioners and Directors
the Bank performs a susainable implementation of Good Corporate Governance
2. the adequacy of Risk Management policies, procedures and limits
- the risk management policy direction is to prioritize
the Credit Risk management on a transactional as well as portfolio basis, as Non-Credit Risk that has an
impact on Bank’s rentability and capital.
- Bank performs review and improvement on policies
of Risk Appetite, Risk tolerance and Risk Limits of the Bank as well as other related policies deemed
strategic.
- Bank conducts monitoring on the implementation of guidelines in the Credit, operations, treasury
sectors, as well as other sectors related with Risk Management.
- Bank conducts review an evaluation towards risk management guidelines, policies and procedures on
a periodic basis. 3. Adequacy process of identiication, measurement,
monitoring and control of risk management information system
Bank performs risk identiication, measurement, monitoring, control as well as information risk
management.
4. overall internal control system Bank ensures the compliance of prevailing external and
internal provisions compliance risk, the availability of accurate and reliable management and inancial
information, efectiveness and eiciency of the Bank’s operational activities, as well as efectiveness of risk
culture and compliance culture at all levels of the Bank
the risk management framework mentioned above is meant to control risks being faced and to anticipate
and control the potential expected loss as well as
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