MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued

PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in thousands Rupiah unless otherwise stated Lampiran – 5108– Schedule 46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued Risiko kredit lanjutan Credit risk continued Bank melakukan evaluasi atas tingkat risiko kredit terkait pemberian fasilitas kepada nasabah atau proyek, dengan mempertimbangkan berbagai faktor, antara lain: The Bank evaluates the credit risk level related to financing the customers or projects by considering various factors, which include the following: i. Historis dan proyeksi kondisi keuangan, termasuk laporan posisi keuangan, laba rugi, dan arus kas nasabah; ii. Riwayat hubungan kredit; iii. Kualitas, kinerja dan pengalaman dari pengelolaan nasabah; iv. Sektor industri nasabah; v. Kualitas agunan debitur, baik berupa aset berwujud maupun agunan setara kas; vi. Posisi nasabah dalam persaingan industri sejenis; serta vii. Kondisi ekonomi secara umum. i. Historical and projected financial condition, including statement of financial position, statement of income, and cash flows of the customers; ii. Credit history; iii. Quality, performance and experience of the customers management; iv. Customers industry sector; v. Debtor’s collateral quality, both in form of tangible asset or cash equivalents vi. Customers competitive position in the industry; and vii. General economic conditions. Terhadap eksposur risiko kredit yang lebih khusus seperti kredit perorangan, fasilitas antar bank dan sebagainya, Bank melakukan evaluasi secara tersendiri dengan menggunakan faktor yang dapat saja berbeda, sesuai dengan karakteristik spesifik dari setiap jenis eksposur. Proses persetujuan fasilitas dengan eksposur risiko kredit dilakukan berdasarkan prinsip bahwa setiap fasilitas harus diproses melalui komite kredit danatau komite lainnya. In relation to the specific credit risk exposure such as individual credit, inter-bank facility and others, the Bank separately evaluates based on other factors that may be different, according to the specific characteristics of each exposure. The approval process of facility with credit risk exposure are executed based on a principal that each facility and credit risk exposure approval must be processed through the credit committee andor other committee. Selain itu, pengelolaan risiko kredit yang lebih spesifik juga dilakukan atas portofolio pinjaman maupun eksposur risiko kredit lain yang bermasalah. Upaya yang dilakukan di antaranya adalah restrukturisasi fasilitas pinjaman yang bermasalah, pembentukan cadangan untuk menutup potensi kerugian, hingga pelaksanaan hapus buku. Bank telah menjalankan proses identifikasi, pengukuran, pemantauan dan pengendalian risiko yang mecakup profil risiko kredit secara terintegrasi dalam suatu manajemen risiko yang komprehensif. Dalam rangka pengendalian risiko kredit secara komprehensif, Bank terus meninjau dan menyempurnakan pelaksanaan fungsi pengendalian risiko kredit. Furthermore, specific credit risk management is performed on non-performing loan portfolio and other credit risk exposures. Such efforts, among others, are restructuring on non-performing loans, providing allowances to cover potential losses, and write-off. The Bank has identified, measured, monitored, and controlled risks which covers credit risk profile integrated in a comprehensive risk management. In order to control credit risk in a comprehensive manner, the Bank continues to review and accomplish the implementation of credit risk control function. Manajemen risiko kredit diarahkan untuk meningkatkan keseimbangan antara ekspansi kredit yang sehat dengan pengelolaan pinjaman yang berprinsip kehati-hatian prudent agar terhindar dari penurunan kualitas atau menjadi Non Performing Loan NPL, serta mengoptimalkan penggunaan modal yang dialokasikan untuk risiko kredit. Credit risk management is mainly to improve the balance of credit expansion and the prudent credit management that could mitigate the risk of the deterioration of loan quality or loans from becoming Non Performing Loan, and to optimize the use of capital allocated for the credit risk. PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in thousands Rupiah unless otherwise stated Lampiran – 5109– Schedule 46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued