RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued

Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN UNAUDITED 31 Maret 2015 dan 31 Desember 2014 Serta periode yang berakhir pada tanggal 31 Maret 2015 dan 2014 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS UNAUDITED March 31, 2015 and December 31, 2014 and for the period ended March 31, 2015 and 2014 Expressed in millions of rupiah, unless otherwise stated 185 48. RISIKO SUKU BUNGA lanjutan 48. INTEREST RATE RISK continued i. Risiko tingkat suku bunga lanjutan i. Interest rate risk continued Tabel di bawah ini menunjukkan sensitivitas dari laporan laba rugi komprehensif konsolidasian Bank dan entitas anak terhadap kemungkinan perubahan wajar atas suku bunga untuk aset dan liabilitas keuangan dengan suku bunga tetap pada tanggal 31 Maret 2015 dan 31 Desember 2014 tidak diaudit lanjutan: The table below demonstrates the sensitivity of the Bank‟s and subsidiaries‟ consolidated statement of income and statement of comprehensive income to reasonably possible changes in interest rates for fixed rate financial assets and liabilities as of March 31, 2015 and December 31, 2014 unaudited continued: 31 DesemberDecember 31, 2014 Dampak ke laporan laba rugi komprehensif konsolidasian Impact to the consolidated Perubahan basis statement poinChange of comprehensive in basis point income Rupiah +125 343.515 Rupiah +50 146.406 -50 146.406 -125 343.515 Valas +125 5.062 Foreign currency +50 84.261 -50 84.261 -125 5.062 49. RISIKO OPERASIONAL 49. OPERATIONAL RISK Risiko operasional adalah risiko kerugian langsung ataupun tidak langsung yang terjadi karena tidak memadainya atau karena adanya kegagalan proses internal, kesalahan manusia, kegagalan sistem atau adanya masalah eksternal yang dapat mempengaruhi operasional Bank dan entitas anak. Operational risk is a direct or indirect losses risk incurred by insufficient or malfunction of internal processes, human error, system failure, or external problems that affect the operations of the Bank and subsidiaries. Sebagai wujud pelaksanaan proses pengawasan terhadap risiko operasional yang mungkin terjadi, Bank dan entitas anak telah mengembangkan suatu sistem dengan menggunakan metodologi pengukuran sendiri, menggunakan tools Risk Control Self Assessment RCSA yang dilakukan oleh masing-masing risk taking unit, melakukan penilaian terhadap terhadap indikator-indikator utama Key Risk Indicator Bank yang digunakan sebagai early warning system serta wajib melaporkan timbulnya kerugianpotensi kerugian yang timbul akibat risiko operasional dalam tools Lost Event Database LED. Keseluruhan proses dimaksud merupakan upaya guna meningkatkan budaya risk awareness terhadap potensi-potensi risiko yang dihadapi oleh Bank dan sebagai pedoman bagi manajemen guna melakukan pengendalian dan mitigasi terhadap dampak risiko yang timbul. As a form of implementation of the monitoring process to the operational risks that may occur, Bank and subsidiaries have developed a system using its own measurement methodology, using tools Risk Control Self Assessment RCSA conducted by each risk taking unit. Besides it, every month each risk-taking unit take an assessment of the Bank‟s key indicators Key Risk Indicators which are used as an early warning system and also requirement report potential losses arising from operational risks in Lost Event Database LED tools. The entire process is an attempt to intensify a risk awareness culture to potential risks encountered by the Bank and as a guideline for management in order to control and mitigate the impact of arising risks. Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN UNAUDITED 31 Maret 2015 dan 31 Desember 2014 Serta periode yang berakhir pada tanggal 31 Maret 2015 dan 2014 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS UNAUDITED March 31, 2015 and December 31, 2014 and for the period ended March 31, 2015 and 2014 Expressed in millions of rupiah, unless otherwise stated 186 49. RISIKO OPERASIONAL lanjutan 49. OPERATIONAL RISK continued Disamping melakukan proses manajemen risiko terhadap risiko yang melekat dalam aktivitas existing, Bank dan entitas anak juga menerapkan manajemen risiko secara menyeluruh atas rencana penerbitan produk dan aktivitas baru sesuai dengan jenis risiko yang telah ditetapkan dalam PBI No. 58PBI2003 beserta perubahannya melalui PBI No. 1125PBI2009 tentang penerapan Manajemen Risiko Bagi Bank Umum dan SE BI No. 1135DPNP tanggal 31 Desember 2009 perihal Pelaporan Produk dan Aktivitas Baru. In addition of conducting risk management process for inherent risk in the existing activity, the Bank and subsidiaries also implement a comprehensive risk management for issuance of new products and activities plan and in accordance with the type of risk that has been established in PBI No. 58PBI2003 and its amandement through PBI No. 1125PBI2009 on the Implementation of Risk Management for Bank and Bank Indonesia Circular Letter No. 1135DPBP dated December 31, 2009, regarding New Products and Activities Report. Bank telah melakukan perhitungan beban modal risiko operasional berdasarkan Basel Committee on Banking Supevision dan SE BI No. 1113DPNP tanggal 27 Januari 2009 perihal Perhitungan Aset Tertimbang Menurut Risiko ATMR Risiko Operasional dengan menggunakan Pendekatan Indikator Dasar PID. Bank dan entitas anak menggunakan metodologi pendekatan Basic Indicator dan saat ini masih dalam proses pengembangan terhadap perhitungan beban modal risiko operasional dengan metode Standardized Approach serta pengumpulan data risiko yang digunakan dalam perhitungan beban modal Risiko Operasional dengan menggunakan pendekatan yang lebih kompleks Advanced Measurement Approach. The Bank have been calculation operational risk capital requirements under Basel Committee on Banking Supervision and Bank Indonesia Circular Letter No. 1113DPNP dated Januari 27, 2009 regarding the calculation of Risk Weighted Assets RWA Operational risk by Using the Basic indicator Approach BIA. Bank and subsidiaries using Basic Indicator approach and methodology, are currently doing a development of the capital allowance calculation by using Standardize Approach method and the collection of risk data which are used in calculating operational in capital charges risks using a more complex approach Advanced Measurement Approach. Bank telah mengembangkan suatu kerangka kerja serta kebijakan dan pedoman Business Continuity Management BCM yang digunakan sebagai contingency plan bagi Bank dalam rangka meminimalkan kerugian yang timbul dari potensi- potensi risiko operasional yang disebabkan oleh faktor eksternal seperti bencana alam, kebakaran, serta gangguan lainnya seperti gangguan sistem, listrik, saluran komunikasi dan lain-lain yang berada diluar kewenangan Bank dan entitas anak. Ruang lingkup BCM terdiri dari Business Continuity Plan BCP sebagai prosedur kelangsungan usaha Bank dan entitas anak serta Emergency Response Plan ERP sebagai prosedur tanggap darurat bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan DRP sebagai prosedur kelangsungan sistem dan infrastruktur pendukung Teknologi Informasi dan terus disempurnakan serta disesuaikan dengan perkembangan bisnis dan sistem yang dimiliki Bank dan entitas anak. Bank has developed a framework as weel as policies and also guidelines for Business Continuity Management BCM which are used as a contingency plan for the Bank and subsidiaries in order to minimize losses arising from potential operational risks caused by external factors such as natural disasters, fires, and other disruptions such as system, electricity, communication lines, and others that are outside the Bank‟s and subsidiaries‟ authority. The scope of BCM consists of Business Cont inuing Plan BCP as the Bank‟s and subsidiaries‟ business continuity procedures and Emergency Response Plan ERP as an emergency procedure in order to save data and assets also a Disaster Recovery Plan DRP as the continuity procedures for systems and supporting infrastructures of Information Technology and also enhanced and adapted continuously to business development and systems held by The Bank and subsidiaries.