Untuk meningkatkan kinerja perseroan, Bank Artha Graha Internasional selalu patuh terhadap peraturan perundang- undangan yang berlaku serta nilai-nilai etika yang berlaku umum pada industri perbankan, maka dalam melaksanakan kegiatan operasional berpedoman pada prinsip-prinsip tata Kelola perusahaan sebagaimana diatur dalam peraturan otoritas Jasa Keuangan No. 55 /poJK.03/2016 tentang penerapan tata Kelola Bagi Bank Umum dan Surat edaran otoritas Jasa Keuangan No.15/15/DpNp tanggal 29 April 2013 perihal pelaksanaan Good Corporate Governance Bagi Bank Umum.
penerapan prinsip-prinsip tata Kelola perusahaan merupakan unsur penting di dalam industri perbankan dan menjadi suatu kebutuhan bagi bank mengingat tantangan dan risiko yang dihadapi semakin meningkat dan kompleks. Implementasi tata Kelola sebagai sebuah sistem yang dilakukan melalui proses internal yang melibatkan seluruh tingkatan dan jenjang organisasi terutama bagi Dewan Komisaris dan Direksi yang mempunyai peranan sangat penting dalam pelaksanaan tata Kelola di lingkungan Bank Artha Graha Internasional.
Dalam pelaksanaan kegiatan usahanya, Bank Artha Graha Internasional berlandaskan pada prinsip-prinsip GCG serta pedoman GCG yang tertuang dalam pedoman Kebijakan perusahaan No. 0024.01.0 tanggal 6 oktober 2014 perihal tata Kelola perusahaan yang Baik (GCG). Bank Artha Graha Internasional memastikan bahwa prinsip dasar GCG telah diterapkan pada setiap aspek bisnis meliputi prinsip Keterbukaan (Transparency), Akuntabilitas (Accountability), Responsibilitas (Responsibility), Independensi (Independency) serta Kewajaran dan Kesetaraan (Fairness).
1. penerapan prinsip transparansi dilakukan dengan cara menyediakan informasi secara cepat, tepat dan akurat melalui media komunikasi yang intensif yang dikelola secara profesional, sehingga pemegang Saham, kreditur, masyarakat serta seluruh pemangku kepentingan dapat mengetahui kinerja dan kegiatan pengelolaan perusahaan secara jelas.
2. Bank Artha Graha Internasional melaksanakan prinsip Akuntabilitas dengan menitikberatkan pada peningkatan fungsi dan peran setiap organ perusahaan dan Manajemen yang dapat dipertanggungjawabkan,
to improve its performance, Bank Artha Graha Internasional has always obeyed laws and regulations, and ethical values generally accepted in the banking industry, therefore, in carrying out their operational activities, the Bank refers to Corporate Governance principles as stipulated in Financial Services Authority Regulation No. 55 /poJK.03/2016 concerning Implementation of Corporate Governance for Commercial Banks and Financial Services Authority’s Circular Letter No. 15/15//DpNp dated 29 April 2013 concerning Implementation of Good Corporate Governance for Commercial Banks.
Implementation of Corporate Governance principles is an important element in the banking industry and becomes a necessity for a bank, considering that the challenges and risks keep increasing and becoming more complex. Implementation of Governance as a system which is carried out through an internal process which involves all levels in the organization especially the Board of Commissioners and the Board of Directors who play a very important role in implementation of Governance in Bank Artha Graha Internasional environment.
In running its business activities, Bank Artha Graha Internasional performs based on GCG principles and guidelines as stipulated in Company policy Guidelines No. 0024.01.1 dated 6 october 2014 concerning Good Corporate Governance (GCG). Bank Artha Graha Internasional ensures that GCG basic principles have been applied to every business aspect covering transparency, Accountability, Responsibility, Independency, as well Fairness and equality principles.
1. the application of transparency principle is carried out by providing fast and accurate information through an intensive communication media which is professionally managed, so that Shareholders, creditors, communities and all Stakeholders may clearly know the performance and activities of the Company management.
2. Bank Artha Graha Internasional implements the Accountability principle by focusing on improving the function and role of each Company’s organ and Management that can be accounted for, so as the
sehingga pengelolaan perusahaan dapat berjalan efektif. perusahaan juga menerapkan sistem pengendalian internal, melalui pelaksanaan pengawasan internal. 3. Bank Artha Graha Internasional menerapkan prinsip
pertanggungjawaban dengan senantiasa berpegang teguh pada prinsip kehati-hatian dan memastikan kepatuhan terhadap ketentuan dan peraturan perundang-undangan yang berlaku.
4. penerapan prinsip independensi dilaksanakan dengan proses pengambilan keputusan yang bebas dari benturan kepentingan (conlict of interest) serta pengaruh/tekanan dari berbagai pihak.
5. perseroan menerapkan prinsip kewajaran dengan memperlakukan seluruh pemangku kepentingan secara berimbang (equal treatment) antara hak dan kewajiban yang diberikan kepada dan oleh Bank. Bank membuka akses informasi kepada seluruh pemangku kepentingan untuk memberikan sumbang-saran bagi kemajuan perseroan, namun perseroan juga menetapkan aturan kerahasiaan informasi yang membatasi akses informasi oleh pihak yang berkepentingan.
Kelima prinsip ini terlihat dalam pelaksanaan kegiatan operasional sehari-hari, yang dalam penerapannya selalu dikaitkan dengan strategi perusahaan, pengelolaan produk layanan, pengelolaan sumber daya manusia, pengelolaan risiko dan pengendalian internal. penerapan kelima prinsip tata Kelola perusahaan pada Bank Artha Graha Internasional sangat penting dilakukan dalam upaya untuk meningkatkan kepercayaan publik, meningkatkan kinerja, dan memaksimalkan nilai tambah bagi Shareholders (maximizing Shareholder value) dan Stakeholders lainnya, serta menjamin terwujudnya sistem perbankan yang sehat. Hal ini bertujuan untuk mempertahankan kelangsungan usaha perseroan yang sangat tergantung pada kepercayaan masyarakat yang harus tercermin pada kinerja dan pengelolaan perseroan yang profesional serta kemampuan bank mengelola risiko. Dengan demikian maka penerapan regulasi serta prinsip good corporate governance pada industri perbankan merupakan persyaratan utama dalam rangka untuk melindungi kepentingan semua pihak (Stakeholders).
management company may run efectively. The company also implements internal control system, through the implementation of internal audit.
3. Bank Artha Graha Internasional implements Responsibility principle by constantly holding on prudent principles and ensuring the compliance with the prevailing provisions and statutory regulations.
4. the application of the Independency principle is carried out by decision-making process that is free from conlict of interest and the inluence/pressure from other parties.
5. the Company applies the Fairness principle by giving equal treatment to Stakeholders between the rights and obligations granted to and by the Bank. the Bank opens information access to all Stakeholders so as they may provide contribution in form of suggestion for Company development, but the Company also determines the information conidentiality regulation that limits the information access to relevant party.
These ive principles are relected in carrying out daily operational activities, which in its application is always associated to the corporate strategy, service products management, human resources management, risk management and internal control. Application of the ive principles of Corporate Governance in Bank Artha Graha Internasional is very important to be implemented in order to gain public trust, improve performance and maximize added values for Shareholders and other Stakeholders, as well as to guarantee the realization of a healthy banking system. this aims at maintaining the Company’s business continuity that is very dependent on public trust which must be relected in performance and professional management of the company as well as the bank’s ability to manage risks.
therefore, implementation of regulation and good corporate governance principle in the banking industry is the main requirement in order to protect the interest of all parties (Stakeholders).