Annual Report Jakarta 2014
(2)
Laporan Tahunan 2014
Annual Report 2014
Bangkok Bank
Public Company Limited(3)
DAFTAR ISI
Table of Contents
Ringkasan Keuangan
1
Financial Highlights
Rasio Keuangan
2
Financial Ratios
Profile Perusahaan
4
Corporate Profile
Laporan Good Corporate Governance
6
Good Corporate Governance Report
Perekonomian Indonesia 2014
25
Indonesia Economy in 2014
Laporan Manajemen
27
Management Report
Kinerja Bangkok Bank
33
Bangkok Bank’s performance
Manajemen
66
The Management
Struktur Organisasi
72
Organization Chart
Lampiran
Attachment
Laporan Keuangan 2014 yang telah diaudit
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RINGKASAN KEUANGAN BANGKOK BANK Bangkok Bank’s Financial Highlights
Unit dalam jutaan rupiah (Unit in million Rupiah)
Pertumbuhan pada Akhir Periode Tahun
2014
2013
% change
Progress at Year-End
Total Aktiva
22,742,330
15,162,270
49.99%
Total Assets
Giro pada Bank
79,823
188,396
-57.63%
Demand Deposits with Banks
Kredit yang diberikan
15,514,223
11,894,111
30.44%
Credits granted
Aktiva Tetap dan Inventaris – net
95,152
96,069
-0.95%
Premises and Equipment
Aktiva Produktif
22,946,267
15,286,592
50.11%
Productive Assets
Dana Pihak Ketiga
4,421,089
2,610,769
69.34%
Third Party Fund
Simpanan
3,564,222
1,817,484
96.11%
Deposits
Pinjaman yang diterima
10,713,025
8,701,550
23.12%
Loans received
Dana dari Kantor Pusat
4,688,755
2,725,935
72.01%
Head Office Account
Pertumbuhan untuk Tahun
Progress for the year
Pendapatan Operational
1,072,088
639,527
67.64%
Operational Revenue
Beban Operational
447,536
314,971
42.09%
Operational Expenses
Laba Operasi
624,552
324,556
92.43%
Operating Profit
Pajak Penghasilan
250,871
130,300
92.53%
Income Tax
Laba (Rugi) Bersih
371,058
191,626
93.64%
Net Profit (Loss)
Laba Bersih per Saham
-
-
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Rasio Keuangan
Financial Ratios
Permodalan
% change
Capitalization
31-Des-14
31-Des-13
(%)
(%)
Kewajiban Modal Minimum
69.16
67.09
2.07
Capital Adequacy Ratio (CAR)
Aktiva Tetap terhadap Modal
2.61
4.34
-1.73
Fixed Assets to Capital
Aktiva Produktif
Productive Assets
Aktiva Produktif Bermasalah
0.34
0.53
-0.19
Troubled Productive Assets
Kredit Bermasalah
0.00
0.03
-0.03
NPL
CKPN terhadap Aktiva Produktif
2.68
2.71
-0.03
Reserves to Productive Assets
Rentabilitas
Profitability
Tingkat Pengembalian Aktiva
3.41
2.75
0.66
Return on Assets
Tingkat Pengembalian Modal
2.86
2.17
0.69
Return on Equity
Pendapatan Bunga Bersih
4.83
4.21
0.62
Net Interest Margin
Beban Operasional Pendapatan
Operasional
41.74
49.25
-7.51
Operational Expense to Operational Income
Kredit terhadap Deposito Rasio
350.91
455.58
-104.67
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Kepatuhan
31-Des-14
31-Des-13
% change
Compliance
(%)
(%)
Persentase Pelanggaran BMPK
Percentage of LLL Violation
a.
Pihak Terkait
0
0
0.00
Related Parties
b.
Pihak Tidak Terkait
0
0
0.00
Non related Parties
Persentase Pelampauan BMPK
Percentage of exceeding LLL
a.
Pihak Terkait
0
0
0.00
Related Parties
b.
Pihak Tidak Terkait
0
0
0.00
Non related Parties
GWM Rupiah
12.20
14.44
-2.24
Minimum Current Account Requirements Rupiah
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PROFIL PERUSAHAAN
Corporate Profile
Bangkok Bank yang didirikan pada tahun 1944 di Bangkok, Thailand adalah bank komersial terbesar di Thailand dan salah satu dari yang terbesar di Asia Tenggara dengan total aset pada akhir 2014 sebesar THB 2.759.890.139.000.
Adapun struktur kepemilikan 10 (sepuluh) pemegang saham terbesar Bangkok Bank Public Company Limited per tanggal 12 September 2014 adalah sebagai berikut:
Bangkok Bank, founded in year 1944 in Bangkok- Thailand, is the largest commercial bank in Thailand and also one of the largest bank in South East Asia, with total assets at the end of 2014 THB 2,759,890,139,000.
Top 10 (ten) shareholders of Bangkok Bank Public Company Limited, Thailand as of September 12, 2014 are as follows:
Nomor |
Number Nama pemegang Saham | Name of Share holder
Persentase Kepemilikan Saham | Percentage of Total
Shares
1 Thai NVDR Company Limited 34.21
2 Thailand Securities Depository Company Limited for
Depositors 3.45
3 The Bank of New York (Nominees) Limited 3.15
4 State Street and Trust Company 2.77
5 State Street Bank Europe Limited 2.65
6 Morgan Stanley & Co. International Plc. 1.93
7 Bangkok Insurance Public Co., Ltd 1.79
8 UOB Kay Hian (Hong Kong) Limited - Client Account 1.78
9 Mitsubishi UFJ Global Custody S.A 1.35
10 GIC Private Limited - Co. Ltd. 1.31
Sampai akhir tahun 2014 Bangkok Bank telah memiliki lebih dari 1.190 kantor cabang di Thailand dengan cabang luar negeri dan jaringan kantor yang tersebar di: Cina, Hongkong, Jepang, Laos, Filipina, Singapura, Taiwan, Inggris, Birma, Amerika Serikat, Vietnam, Myanmar, Malaysia dan Indonesia.
Bangkok Bank PCL Cabang Jakarta, berlokasi di Jl. MH Thamrin No. 3, Jakarta 10110, beroperasi dengan ijin usaha dari Menteri Keuangan Indonesia No. D.15.6.1.4.39 tanggal 21 Juni 1968, serta mendapat izin untuk beroperasi sebagai Bank Devisa pada tanggal 22 Juni 1968 dengan Surat Keputusan dari Direksi Bank Negara Indonesia No.4/12/KEP.DIR.
Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Surabaya pada tanggal 29 Maret 2012 yang beralamat di Jl Raya Darmo No 73, Surabaya, dengan Ijin No 14/112/DPIP.
At the end of 2014, Bangkok Bank has more than 1,190 branches in Thailand with extensive overseas branches and office network in the following countries: People’s Republic of China, Hongkong, Japan, Laos People’s Democratic Republic, Republic of Philippines, Republic of Singapore, Taiwan, United Kingdom, Union of Myamar, United States of America, The Socialist Republic of Vietnam, Myanmar, Malaysia and Indonesia. Bangkok Bank PCL Jakarta Branch, located at Jl. MH Thamrin No. 3, Jakarta 10110, operated under license from Finance Minister of Republic Indonesia No. D. 15.6.1.4.39 dated June 21, 1968 as a branch from Bangkok Bank PCL in Thailand. Received the license to operate as foreign bank on June 22, 1968 with the decree from Bank Indonesia No. 4/12/KEP.DIR.
Bank has opened 1 (one) Branch Office in Surabaya on March 29, 2012 located at Jl Raya Darmo No. 73, Surabaya, with Permit No. 14/112/DPIP .
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Pada tanggal 6 November 2013, dalam rangka perluasan usaha, Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Medan yang terletak di B&G Tower, Ground Floor, Jl Putri Hijau No. 10, Medan, dengan Ijin No.15/231/DPIP.
Bank secara berkesinambungan meningkatkan total asset dan kredit yang diberikan, memperbaiki manajemen kredit macet, meningkatkan pendapatan, dan meningkatkan efisiensi biaya dan terus membangun kebijakan usaha yang selaras dengan rencana strategis bank Di tahun mendatang, bank akan terus memajukan bisnis proses yang efisien dan mengefisiensikan model organisasi untuk meyakinkan bahwa seluruh bagian organisasi dapat bekerja sama secara efisien dan harmonis.
On November 6, 2013, for the expansion of business, the Bank has opened 1 (one) Branch Office in Medan, located in the B & G Tower, Ground Floor, Jalan Putri Hijau No. 10, Medan, with permission No.15/231/DPIP.
The bank has continuously increased its total assets and loans, and improved the management of non-performing loans, of revenue, of costs efficiency and the bank will create policies that are alligned with its strategic plan.
In the coming year, the bank will continue to improve the efficient business process and organizational model to ensure that all parts of the organization are working together efficiently in harmony.
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GOVERNANCE BANGKOK BANK CABANG JAKARTA TAHUN 2014
1. Ruang Lingkup Tata Kelola Perusahaan (GCG)
Sebagai pedoman bagi pelaksanaan Tata Kelola Perusahaan, Bank telah mendeskripsikan peran dan tanggung jawab Komite Manajemen dalam pedoman Komite Manajemen bank. Seluruh aturan internal lainnya yang ditetapkan didasarkan dengan peraturan yang berlaku dan mengacu pada pinsip-prinsip GCG.
Dalam menjalankan bisnisnya, Bangkok Bank Cabang Jakarta menjalankan Prinsip Good Corporate Governance sebagai dasar agar dapat mempertahankan pertumbuhannya. Bank juga telah menyebarkan kebijakan tersebut kepada tim manajemen, eksekutif, dan staf sebagai informasi dan ketaatan akan peraturan. Bank juga telah menugaskan setiap supervisor di semua tingkat untuk menjadi contoh yang baik dan mendorong agar kebijakan yang dibuat tersebut dipatuhi. Dalam proses pengawasan operasional secara internal, Bank telah membentuk Unit Kepatuhan agar sesuai dengan peraturan yang ada di Indonesia dan Bank Indonesia.
Penerapan Prinsip Good Corporate Governance di Bangkok Bank dibagi menjadi 7 aspek cakupan GCG beserta kepatuhan bank terhadap aspek-aspek tersebut yang meliputi:
1.1 Kinerja Tugas dan Tanggung Jawab dari Dewan Komisaris dan Direksi.
Bangkok Bank Cabang Jakarta adalah kantor cabang dari Bangkok Bank, Thailand, oleh karena itu Dewan Komisaris yang dikenal dengan nama Non-Eksekutif Director bertempat di Kantor Pusat Thailand. Dewan Komisaris bertangggung jawab dalam penerapan prinsip Good Corporate Governance dan mengawasi kebijakan dan arah bisnis bank.
Dalam hubungannya dengan Bangkok Bank kantor cabang Jakarta, International Banking Group (IBG) yang berlokasi di Kantor Pusat Bangkok, menjalankan fungsi pengawasan dari Dewan Komisaris. Laporan fungsi pengawasan dari IBG tersebut untuk melihat pada fungsi Dewan Komisaris dalam mengevaluasi kinerja manajemen kantor cabang Jakarta dan laporan tersebut telah diterima setiap 3 bulan sekali.
BRANCH ACTIONS IN COMPLIANCE WITH THE PRINCIPLES OF GOOD CORPORATE GOVERNANCE FOR 2014.
1. Scope of Good Corporate Governance (GCG)
As guidance for Good Corporate Governance’s implementation, Bank has already described role and responsibilities of Manangement Committee in the Management Committee guidelines. All other internal regulations are based on the operative regulation and referring to GCG principles.
The Bank, therefore conducts its business in-line with the principles of Good Corporate Governance, which form a basis for sustainable growth. The bank has disseminated the policy to its management team, executives and staff for their knowledge and observance and has also assigned supervisors at all level to encourage good example as well as compliance with the policy.
The bank has established a Compliance Unit to oversee its internal operations to be in compliance with the regulation of the local authorities and Bank Indonesia.
There are 7 (seven) Good Corporate Governance aspects which reflect the implementation of bank’s Good Corporate Governance including bank compliance toward to each aspect as follows:
1.1 Performance of duties and responsibilities of Board of Commissioners and Board of Directors.
Bangkok Bank, Jakarta branch is a branch office of Bangkok Bank, Thailand, therefore Board of Commissioners who is known as Non- Executive Directors are domiciled at Bangkok Head Office, Thailand. This Board of Commissioners assumes responsibility for the implementation of Good Corporate Governance and oversees the business policy and direction of the bank.
For Bangkok Bank, Jakarta branch in this matter, the International Banking Group (IBG) domiciled at Bangkok, Head Office, is closely conducting the oversight role function of Board of Commissioners. Oversight function report from International Banking Group in regard to Board of Commissioners function for evaluating performance of Jakarta branch management on quarterly basis.
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Sementara itu, Direksi atau Pimpinan Bangkok Bank Cabang Jakarta yang dipimpin oleh General Manager dan wakil General Manager serta Direktur Kepatuhan. Pimpinan kantor akan memimpin Komite Manajemen yang bertanggung jawab atas pembentukan dan pelaksanaan atas sasaran strategis dan keuangan dari Bank dan juga mengkaji ulang serta mendiskusikan masalah yang berhubungan dengan operasional bank. Komite Manajemen Cabang juga bertanggung jawab untuk mengawasi:
a.Audit Internal dan Unit Control untuk
memastikan pelaksanaan fungsi internal audit dan mengambil tindakan berdasarkan pada temuan-temuan dari audit internal.
b.Fungsi Unit Manajemen Risiko adalah untuk
pertanggungjawaban dalam rangka
pengembangan, pengukuran dan pemeliharaan kerangka kerja manajemen risiko.
c.Unit Kepatuhan untuk mengawasi penerapan
praktek good corporate governance dan memastikan kepatuhan bank terhadap peraturan dan hukum yang berlaku.
1.2. Struktur, Keanggotaan, Tugas dan Tanggung Jawab Komite
Di Kantor Pusat Bangkok Bank, Thailand, komite-komite tersebut telah diatur untuk memonitor dan mengawasi operasional bank dan melaporkan kemajuan yang terjadi ke Non-Executive Direksi secara periodik. Komite-komite ini terdiri dari Komite Audit, Komite Nominasi dan Remunerasi, Komite Risk Monitoring, dan Komite Manajemen.
Sementara itu Bangkok Bank Kantor Cabang Jakarta, sebagai kantor cabang bank asing tidak diharuskan untuk membentuk komite tersebut sejak Dewan Direksi di Kantor Pusat telah membentuknya.
Bagaimanapun di kantor pusat fungsi dari tiap komite-komite tersebut telah diterapkan dengan baik dan dibawah kontrol International Banking Group (IBG) untuk mengawasi kinerja manajemen dari kantor cabang Jakarta. Dan laporan fungsi pengawasan dari International Banking Group (IBG) juga telah diterima oleh kantor cabang Jakarta setiap 3 bulan sekali.
Meanwhile, Board of Director or called Branch Management (Pimpinan) of Bangkok Bank Indonesia who is chaired by General Manager, and Deputy General Manager and Compliance Director. The Branch Management or Pimpinan shall lead the Branch Management Committee who is responsible for the formulation and execution of strategies and financial objectives of the bank as well as reviewing and discussing matters related to banking operation.
The Branch management is also responsible for supervising:
a. Internal Audit and Control Unit for ensuring the
execution of internal audit function and taking action based on regular internal audit findings.
b. Risk Management Unit function is to take
overall accountability for the development, measurement and maintenance of the bank’s risk management framework.
c. Compliance Unit for overseeing the implementation of good corporate governance practices and ensuring bank’s compliance with the prevailing laws and regulations.
1.2 Structures, Membership, Duties and Responsibilities of the Committees.
In Bangkok Bank- Head Office, Thailand, the committees have been set up to closely monitor and oversee the bank’s operation and report the progress to the Non- Executive Board of Directors on a regular basis. These committees include the Audit Committee, Nomination and Remuneration Committee, Risk Monitoring Committee and Management Committee.
Meanwhile, Bangkok Bank, Jakarta branch as foreign branch office in this regard does not have to form such committees since Board of Directors at Head Office has established them.
However, the functions of such committees have properly implemented in Head Office and it has been conducted under International Banking Group (IBG) to oversee the Jakarta’s branch management performance in respective committee function. The oversight function report from International Banking Group (IBG) has also been received by Jakarta branch on quarterly basis.
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dideskripsikan sebagai berikut:
Komite Audit bertugas untuk membantu
Dewan Komisaris dalam proses audit laporan keuangan, internal control dan audit, dan pemilihan dan penunjukkan eksternal audit bank.
Komite Risk Monitoring bertugas untuk
mengawasi dan memastikan profil manajemen risiko bank apakah sudah cukup memadai,
sistematis, efisien, efektif dan
memaksimalkan nilai terhadap kinerja bank, dan juga apakah sudah sejalan dengan rencana strategis bank dan kebijakan manajemen risiko secara keseluruhan.
Komite Nominasi dan Remunerasi bertugas
untuk memilih dan menunjuk orang yang tepat untuk posisi pekerjaan yang ditentukan dan juga untuk mengevaluasi kinerja secara individu, dan kebijakan penggajian dan paket benefit yang diterima oleh level eksekutif dan staffnya.
Kinerja semua komite diatas telah diterapkan dengan baik di Kantor Pusat.
Sedangkan penerapan strategi dan rencana bisnis Bangkok Bank Indonesia diatur oleh komite sebagai berikut:
a. Komite Manajemen
Untuk memastikan efisiensi kinerja bank yang mencakup penelahaan secara periodik, pengarahan operasional bank, kebijakan, strategi, ALMA dan juga masalah kepegawaian serta bagian umum yang akan dibicarakan di dalam komite.
Komite Manajemen diketuai oleh General Manager selaku Pimpinan Cabang dan dibantu oleh :
- 3 Deputy General Manager
- Kepala Unit Treasury
- Kepala Unit Operation
- Kepala Unit Compliance
- Kepala Unit Risk Management
- Kepala Unit Internal Audit
- Kepala Unit Marketing
- Kepala Unit Budget&Planning
Pertemuan rutin Komite Manajemen
dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.
described as follows:
The objectives of the Audit Committee are to
assist the Board of Commissioners with regard to process audit of financial reports, internal control and internal audit and to select and appoint the bank’s external auditors.
The objective of Risk Monitoring Committee is
to oversee and ensure that bank’s management risk profile is adequate, systematic, efficient, and effective and maximizes value to the bank and is also to be in-line with the bank’s strategic plan and overall risk management policy.
The objective of Nomination and Remuneration
Committee is to select and nominate suitable persons for appointment job position as well as to evaluate individual performance and policy of remuneration or benefit package for executive level and its staffs.
All performance of committees above has already been properly implemented in Head Office.
However, in implementing the strategic and business plan of the bank, Bangkok Bank Indonesia is managed under following committees:
a. Management Committee
To ensure proper and efficient running of the entire operation covering periodical review and directions of bank operation, policy, and strategy, ALMA as well as personnel and general affairs matters.
Management Committee is chaired by the General Manager and assisted by:
- 3 Deputy General Manager
- Head of Treasury
- Head of Operation
- Head of Compliance
- Head of Risk Management
- Head of Internal Audit
- Head of Marketing
- Head of Budget & Planning
Management Committee conducted regular meetings at least 1 (one) time in a month and the results are recorded in the minutes of the meeting which is circulated to committee members and submitted to Headquarters IBG.
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b. Komite Kredit
Komite ini bertanggung jawab untuk mengakses dan mempertimbangkan semua portfolio bank, yang tercakup di dalamnya nasabah kredit lancar maupun pinjaman kredit bermasalah.
Komite kredit akan bertemu secara periodik untuk menelaah dan mendiskusikan aktivitas dari aplikasi kredit yang masuk, suku bunga kredit, dan strategi marketingnya.
Fungsi dari Komite Kredit adalah
bertanggung jawab untuk menyetujui atau menolak, merekomendasi aplikasi kredit berdasarkan kewenangan kantor cabang. Pertemuan rutin Komite kredit diadakan setiap 2 minggu sekali atau disesuaikan dengan kebutuhan dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.
Komite Kredit diketuai oleh General Manager selaku Pimpinan Cabang dan Deputy General Manager bidang Operation selaku wakil, yang dibantu oleh :
- Deputy General Manager bidang
Marketing
- Deputy General Manager bidang Risk
Management Unit and Credit Acceptance Unit (non-voting)
- Kepala Unit Marketing
- Kepala Unit Treasury
- Kepala Unit Operation
- Kepala Unit Compliance (non-voting)
- Kepala Unit Risk Management
(non-voting)
- Kepala Unit Internal Audit (non-voting)
- Kepala Unit Credit Acceptance Unit
(non-voting)
c. Komite Manajemen Risiko
Komite ini bertanggung jawab untuk mengawasi penerapan kerangka kerja dan strategi majemen risiko, komposisi risiko dari setiap tipe risiko itu dan juga memeriksa secara periodik prosedur dari manajemen risiko.
Bangkok Bank Indonesia menggunakan peringkat kredit yang handal sebelum menyetujui semua kredit baru ataupun perpanjangan fasilitas kredit. Penilaian ini menjadi alat yang penting bagi manajemen risiko kredit dan digunakan sebagai standar
b. Loan Committee
This committee is responsible to assess and consider all banks’ portfolio, which include active and non-performing loan accounts.
The Loan Committee will meet periodically to review and discuss the following activities of loan application, loan pricing and marketing strategies.
The Loan Committee responsibility and function is to approve or reject, recommend or decline credit application according to branch authorization.
The routine meetings are held in every two weeks or more often to match with the requirement and the results recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG. Credit Committee is chaired by the General Manager as Branch Manager and Deputy General Manager of Operation. Members of Credit Committee are :
- Deputy General Manager of Marketing
- Deputy General Manager of Risk
Management Unit and Credit Acceptance Unit (non-voting)
- Head of Marketing
- Head of Treasury
- Head of Operation
- Head of Compliance (non-voting)
- Head of Risk Management (non-voting)
- Head of Internal Audit (non-voting)
- Head of Credit Acceptance Unit
(non-voting)
c. Risk Management Committee
This committee is responsible to monitor the implementation of risk management framework and strategy, composition of risk for each type of risks as well as periodically review on risk management procedure.
Bangkok Bank Indonesia requires a valid credit rating prior approval of any new or renewed credit facility. Rating is one of the most important tools of credit risk management and used in the underwriting standards as well as in pricing guidelines.
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harga.
Komite Manajemen Risiko diketuai oleh Deputy General Manager bidang Manajemen Risiko, dengan dibantu oleh Head of Compliance sedangkan General Manager diundang dan hadir dalam pertemuan rutin Komite Manajemen Risiko,
anggota dari Komite Manajemen Risiko :
- 3 Deputy General Manager
- Kepala Unit Treasury
- Kepala Unit Operation
- Kepala Unit Risk Management
- Kepala Unit Internal Audit
- Kepala Unit Marketing
Pertemuan rutin Komite Manajemen Risiko dilakukan minimal 1 (satu) kali dalam tiga bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.
d. Komite Aset dan Liabilitas (ALCO)
Komite ini bertanggungjawab untuk mengatur kinerja dari aset – aset dan liabilitas yang dimiliki oleh Bank (ALMA). Dalam
melaksanakan tanggungjawab tersebut,
Komite ALCO melakukan langkah-langkah sebagai berikut :
a. Memformulasikan dan memantau
penerapan strategi ALMA sesuai dengan rencana bisnis Bank.
b. Memantau penetapan strategi harga untuk
memastikan hasil optimum, mengurangi biaya penggunaan dana, dan menjaga keseimbangan neraca keuangan Bank.
c. Mengevaluasi posisi risiko suku bunga
bank dimana harus konsisten dengan manajemen risiko suku bunga
d. Berkoordinasi dengan Departemen
Treasuri Kantor Pusat dan Overseas Treasury Center (OTC) dalam melakukan manajemen aset dan liabilitas Bank. Komite ALCO diketuai oleh General Manager selaku Pimpinan Cabang dan dibantu oleh :
- 3 Deputy General Manager
- Kepala Unit Treasury
- Kepala Unit Operation
- Kepala Unit Compliance
- Kepala Unit Risk Management
- Kepala Unit Internal Audit
- Kepala Unit Marketing
- Kepala Unit Budget&Planning
The Risk Management Committee is chaired by the Deputy General Manager of Risk Management, and assisted by Head of Compliance Unit, meanwhile General Manager is invited in the Risk Management Committee meeting.
Members of the Risk Management Committee:
- 3 Deputy General Manager
- Head of Treasury
- Head of Operation
- Head of Risk Management
- Head of Internal Audit
- Head of Marketing
Regular meetings of the Risk Management Committee conducted a minimum of 1 (one) time in 3 month and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.
d. Asset and Liability Committee (ALCO)
This committee is responsible for managing the performance of assets - assets and liabilities held by the Bank ( ALMA ) .
In carrying out these responsibilities, ALCO Committee perform the following steps :
a.mFormulating and monitoring the
implementation of the strategy ALMA accordance with the Bank's business plan. b. Monitor price -setting strategies to ensure
optimum results , reduce the financing cost , and maintaining the balance of the Bank 's balance sheet
c. Evaluate the bank's interest rate risk position which must be consistent with the interest rate risk management
d.cCoordinate with Treasury Department
Headquarters and Overseas Treasury Center ( OTC ) in managing the assets and liabilities of the Bank.
ALCO Committee is chaired by the General Manager. Members of ALCO are :
- 3 Deputy General Manager - Head of Treasury
- Head of Operation - Head of Compliance - Head of Risk Management - Head of Internal Audit - Head of Marketing
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Pertemuan rutin ALCO dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.
e. Komite Kredit Bermasalah
Komite Kredit Bermasalah (NPL Committee) bertanggungjawab untuk membahas pinjaman nasabah kepada Bank yang memiliki kualitas/kategori Kurang Lancar (2) hingga Macet (5).
Komite Kredit Bermasalah diketuai oleh General Manager selaku Pimpinan Cabang yang dibantu oleh :
- 3 Deputy General Manager
- Kepala Unit Operation
- Kepala Unit Compliance
- Kepala Unit Marketing
- Kepala Unit Internal Audit
Pertemuan rutin dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.
f. Komite Teknologi Informasi
Komite ini bertanggungjawab menyampaikan rekomendasi penggunaan sistem IT kepada manajemen guna mendukung pertumbuhan bisnis dan efisiensi operasi Bank dalam strategi jangka pendek dan menengah. Komite Teknologi Informasi diketuai oleh Deputy General Manager bidang Operation dan Overseas Support Center (OSC) selaku penasehat IT, anggota komite adalah :
- Kepala Unit Operation
- Kepala Unit Compliance
- Kepala Unit Support&Service
- Kepala Unit Internal Audit&Control
- Staff EDP
Pertemuan rutin dilakukan minimal 1 (satu) kali dalam satu tahun, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite.
Regular meetings of ALCO performed at least 1 (one) time in a month , and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.
e. Non-Performing Loans Committee (NPL Committee)
NPL Committee is responsible for the customer to discuss the bank loan that has a quality / Sub-category (2) to Loss (5).
NPL Committee is chaired by General Manager as Branch Manager. Mmebers of NPL Committee are :
- 3 Deputy General Manager - Head of Operation
- Head of Compliance - Head of Marketing - Head of Internal Audit
Regular meetings conducted at least 1 (one) time in a month, and the results are recorded in the minutes of the meeting are circulated to committee members and submitted to Headquarters IBG.
f. Information Technology Steering Committee This committee is responsible for providing recommendations to the management of the use of IT systems to support business growth and operating efficiencies in the Bank's short-term
and medium-term strategy.
Information Technology Steering Committee, chaired by the Deputy General Manager of Operations and Overseas Support Center (OSC) as an IT advisor, committee members are:
- Head of Operation
- Head of Compliance
- Head of Support&Service
- Head of Internal Audit&Control
- Staff EDP
Regular meetings conducted at least 1 (one) times a year, and the results are recorded in the minutes of the meeting are circulated to committee members.
(1)
(2)
(3)
(4)
(5)
(6)