357
bank bjb Lapor an Tahunan
20 15 Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
Unit -unit t er sebut juga ber t anggung jawab unt uk memast ikan bahwa pengelolaan r isiko
st r at ejik t elah sesuai dengan kebijakan yang t elah dit et apkan.
2. Kecukupan Kebijakan, Prosedur dan Penetapan Limit
Bank t elah memiliki kebijakan ser t a pedoman manajemen r isiko st r at ejik yang secar a ber kala
dilakukan pembahar uan dan evaluasi at as kebijakan dan pedoman manajemen r isiko bank
t er sebut . Penyusunan r encana bisnis bank RBB mer upakan per encanaan st r at egis unt uk
mencapai t ujuan yang t elah bank t et apkan. Sehingga dalam penyusunan kebijakan
disesuaikan dengan r encana bisnis bank yang dapat mendukung dalam pencapaian t ujuan
st r at egis bank.
3. Kecukupan Proses Identif ikasi, Pengukuran, Pemantauan, dan Pengendalian Risiko, serta
Sistem Inf ormasi Manajemen Risiko
Dalam kecukupan pener apan pr oses manajemen r isiko, bank melakukan ident if ikasi,
pengukur an, pemant auan dan pengendalian at as r isiko st r at ejik. Bank melakukan ident if ikasi,
pengukur an dan pemant auan r isiko st r at ejik dengan melakukan pemant auan at as pencapaian
kiner ja bank dengan r encana bisnis bank yang t elah dit et apkan, selain it u bank memper hat ikan
per ubahan kondisi lingkungan bisnis unt uk dilakukan penyesuaian kepada st r at egi yang
akan diambil oleh bank, bank melakukan pengembangan bisnis dengan memper hat ikan
t ingkat r isiko yang dapat dit er ima oleh bank, ser t a melakukan pemant auan t er hadap posisi
bisnis bank. Adapun upaya pengendalian yang dilakukan
unt uk r isiko st r at ejik adalah dengan melakukan analisa at as pencapaian kiner ja bank, mengambil
langkah-langkah st r at ejik yang dir asa per lu sebagai r espon t er hadap per ubahan kondisi
bisnis, melakukan business r eview at as pencapaian kiner ja bisnis secar a ber kala.
4. Sistem Pengendalian Intern Yang Menyeluruh
Dalam pengendalian int er nal unt uk r isiko st r at ejik bank melibat kan selur uh lini bisnis per usahaan
ser t a kegiat an pengendalian yang dipant au pula oleh Sat ua Ker ja Manajemen Risiko dan Sat uan
Ker ja Audit Int er nal also r esponsible f or ensur ing t hat t he st r at egic
r isk management is in accor dance wit h t he est ablished policy.
2. Adequacy of Policy, Procedure, and
Establishment of Limit
The bank has had st r at egic r isk management policies and guidelines t hat ar e updat ed and
evaluat ed r egular ly on policies and guidelines of t he bank’s r isk management . The pr epar at ion
of t he bank’s business plan RBB is a st r at egic planning t o achieve t he goals t hat have been set
by t he bank. Thus, t he pr epar at ion of policies ar e t ailor ed t o t he bank’s business plan t o suppor t
t he achievement of t he st r at egic object ives of t he bank.
3. Adequacy in the Process of Identif ication, Measurement, Monitoring, and Risk Control as
well as Risk Management Inf ormation System
In t er ms of adequacy of r isk management pr ocess implement at ion, t he bank per f or ms
ident if icat ion, measur ement , monit or ing and cont r ol on st r at egic r isks. The bank conduct s
ident if icat ion, measur ement and monit or ing of st r at egic r isks by monit or ing t he bank’s
per f or mance achievement wit h t he bank’s business plan which has been est ablished, in
addit ion, t he bank consider s changes in t he business envir onment t o per f or m adjust ment s
t o t he st r at egies which will be adopt ed by t he bank, t he bank conduct s business development s
by t aking int o account t he level of r isks t hat can be accept ed by t he bank, as well as monit or ing
t he bank’s business posit ion. Meanwhile, cont r ol ef f or t s conduct ed f or t he
st r at egic plan ar e by conduct ing t he bank’s per f or mance achievement analysis, t aking
st r at egic st eps deemed necessar y in r esponse t o t he changing business condit ions, conduct ing
business r eviews on t he achievement of t he business per f or mance on a r egular basis.
4. Comprehensive Internal Control System
In int er nal cont r ol f or st r at egic r isk, t he bank involves all it s business lines as well as cont r ol
act ivit ies t hat ar e also monit or ed by t he Risk Management Unit and t he Int er nal Audit Unit .
