tata kelola perusahaan
BOARD OF COMMISSIONERS MEETING FREQUENCY
Sementara, pengawasan aktif Dewan Komisaris tercermin pada pelaksanaan rapat koordinasi bersama Direksi, Direktur Bidang, ataupun unit kerja, serta pelaksanaan tugas komite Dewan Komisaris. Berdasarkan hasil penilaian Dewan Komisaris, pelaksanaan program kerja dan pencapaian target 2012 berjalan dengan baik. Berikut hasil penilaian Dewan Komisaris terhadap pelaksanaan program kerja dan pencapaian Perseroan:
I. Laporan Kinerja Bank
Sepanjang 2012, Dewan Komisaris berpendapat kinerja kuantitatif dan kualitatif yang dicapai Perseroan memberikan hasil sesuai dengan rencana sebelumnya. Hal itu menunjukkan bahwa manajemen telah berupaya serius demi mencapai kinerja sekaligus merealisasikan rencana bisnis bank yang telah ditetapkan.
II. Profil Risiko Bank
Perseroan secara berkala melakukan penilaian terhadap risiko-risiko yang dihadapi baik terhadap risiko inhern maupun terhadap Kualitas Penerapan Manajemen Risiko (KPMR), yang merupakan tolak ukur terhadap tinggi rendahnya risiko bank (risk profile) yang dapat digunakan sebagai bahan masukan bagi manajemen untuk mengambil keputusan yang bersifat strategis. Penilaian terhadap profil risiko difokuskan terhadap 8 (delapan) jenis risiko yakni risiko kredit, risiko operasional, risiko likuiditas, risiko pasar, risiko hukum, risiko reputasi, risiko stratejik, dan risiko kepatuhan. Selanjutnya dalam rangka meningkatkan kinerja Perseroan dalam melindungi stakeholders dan
meningkatkan kepatuhan terhadap peraturan perundang-undangan serta nilai etika yang berlaku secara umum dalam industri perbankan, Perseroan menetapkan prinsip kehati-hatian dalam setiap kegiatan usaha sehingga tingkat risiko yang mungkin muncul dapat dikelola dan dikendalikan dengan maksimal.
Meanwhile, the active monitoring of the Board of Commissioners is reflected in the
implementation of coordination meeting with the Board of Directors, Division Directors, and working unit; and the implementation of the Board of Commissioners committee duties. Based on the assessment of the Board of Commissioners, the implementation of work program and achieve ment of 2012 target has run very well. Here are the assessment result done by the Board of Commissioners towards the Company’s working program implementation and achievement:
I. Bank’s Performance Report
Throughout 2012, the Board of Commissioners give opinion that quantitative and qualitative performance achieved by the Company gave results that are consistent with previous plans. This shows that the management have tried seriously to reach performance and realizing bank’s business plan that have been determined.
II. Bank’s Risk Profile
The Company periodically conduct an
assessment of the risks facing both inhern risk and quality of risk management, which is a measure of the bank' s high and low risk (risk profile), which can be used as input to the management to take strategic decisions.
An assessment of the risk profile focused on 8 (eight) types of risk namely credit risk,
operational risk, liquidity risk, market risk, legal risk, reputation risk, strategic risk and
compliance risk. Furthermore, in order to improve the performance of the Company' s stakeholders in protecting and improving compliance with regulations and ethical values that apply in general in the banking industry, the Company sets the precautionary principle in every business activity so that the level of risk that may arise can be maximum managed and controlled.
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III. Laporan Kinerja Kepatuhan
Monitoring yang dilakukan Dewan Komisaris sepanjang 2012 menujukkan bahwa kinerja kepatuhan cenderung membaik. Salah satunya tercermin dari makin sedikitnya temuan hasil pemeriksaan audit eksternal yang menampilkan kinerja positif kepatuhan pada Perseroan. Dewan Komisaris juga memberikan apresiasi terhadap upaya perbaikan dan pengembangan aplikasi sistem anti pencucian uang untuk memudahkan pelaksana dalam memonitor dan mengeliminasi transaksi keuangan yang mencurigakan serta membuat analisis terhadap transaksi yang mencurigakan di Perseroan, pengembangan form opini kepatuhan untuk mempercepat proses pemberian opini dalam mendukung pelaksanaan bisnis, serta upaya penyelesaian Pedoman Kebijakan Pelaksanaan Fungsi Kepatuhan.
IV. Hal-Hal Yang Perlu
Mendapat Perhatian Manajemen
Terkait dengan realisasi kinerja dan mendukung proses bisnis Perseroan yang berkelanjutan, Dewan Komisaris menyampaikan beberapa hal yang perlu diperhatikan manajemen dalam upaya perbaikan dan peningkatan kinerja, sebagai berikut:
Permodalan ditingkatkan untuk mendukung rencana ekspansi bisnis dan pertumbuhan Perseroan. Kendati permodalan masih dalam kondisi aman, Perseroan tetap perlu
mengupayakan langkah untuk merealisasikan rencana penambahan modal serta
menyalurkan dana pada aktiva produktif dengan bobot aktiva tertimbang menurut risiko (ATMR) yang rendah.
Di bidang pembiayaan, Perseroan juga diharapkan dapat meningkatkan ekspansi pembiayaan yang fokus pada segmen UMKM secara lebih hati-hati dengan risiko yang lebih terukur; melakukan mapping terhadap nasabah pembiayaan lancar yang berpotensi mengalami penurunan
kolektibilitas; serta meningkatkan kualitas SDI pembiayaan.
III. Compliance Performance Report
The monitoring done by the Board of
Commissioners throughout 2012 shows that the compliance performances tend to improve. One of them is reflected in the decrease of external audit finding that show positive compliance performance in the Company.
The Board of Commissioners also appreciate the effort to improve and develop anti money laundering system application to ease the implementer in monitoring and eliminating suspicious financial transaction and make analysis towards suspicious transactions in the Company; the development of compliance opinion form to speed the opinion giving process in supporting business implementation, and the effort to complete the Compliance Function Implementation Guideline.
IV. Matters that Needs Attention from the Management
Related with performance realization and in supporting continuous business process of the Company, the Board of Commissioners informs these several matters that the management needs to pay attention to in the effort to improve and increase performance, such as:
Increasing capital to support business expansion plan and the Company’s growth. Even though the capital is still in a secure position, the Company still needs to make an effort to realize the plan to increase capital and to distribute fund to productive assets with low level of Risk Weighted Assets.
In the financing division, the Company is also expected to carefully increase financing expansion that is focused on Micro, Small, and Medium Enterprises segment with risks that are more measurable; do mapping towards current financing customer that has the potential to experience collectability decrease; and to increase the quality of financing human resources.
GOOD CORPORATE GOVERNANCE Tata Kelola Perusahaan
Dewan Pengawas Syariah
Organ utama GCG lain yang dimiliki Perseroan adalah Dewan Pengawas Syariah (DPS). DPS merupakan perwakilan DSN-MUI di lembaga keuangan syariah dan memiliki independensi. Berdasarkan ketetapan pada PBI Nomor 11/33/ PBI/2009 tentang Pelaksanaan GCG bagi BUS dan UUS, bagi Perseroan, DPS merupakan dewan yang bertugas dan bertanggung jawab sesuai dengan prinsip-prinsip GCG untuk memberikan nasihat dan saran kepada Direksi serta mengawasi kegiatan Bank agar sesuai dengan Prinsip Syariah.
Tugas dan Tanggung Jawab
Menurut Anggaran Dasar dan aturan mengenai GCG pada BUS dan UUS, tugas dan tanggung jawab DPS sesuai dengan prinsip-prinsip GCG adalah sebagai berikut:
• Melaksanakan tugas dan tanggung jawab sesuai dengan prinsip-prinsip GCG;
• Menilai dan memastikan pemenuhan Prinsip Syariah atas pedoman operasional dan produk yang dikeluarkan Perseroan;
• Mengawasi proses pengembangan produk baru Perseroan agar sesuai dengan fatwa DSN-MUI;
• Meminta fatwa kepada DSN-MUI untuk produk baru Perseroan yang belum ada fatwanya;
• Me-review secara berkala atas pemenuhan Prinsip Syariah terhadap mekanis me penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan;
• Meminta data dan informasi terkait dengan aspek syariah dari satuan kerja (satker) Perseroan dalam rangka pelaksanaan tugasnya.
Sesuai dengan ketentuan, DPS telah
menyampaikan laporan hasil pengawasan DPS secara semesteran kepada BI paling lambat 2 (dua) bulan setelah periode semester dimaksud berakhir.
Sharia Supervisory Board
Another GCG organs of the Company is Sharia Supervisory Board, which is a representation of the National Islamic Council of Indonesian Ulama Council (DSN-MUI) in sharia financial institution that has independence. Based on Central Bank of Indonesia’s Regulation Number 11/33/PBI/2009 about the implementation of GCG in Islamic Commercial Bank and Islamic Business Unit of Conventional Bank for the Company, Sharia Supervisory Board is a board that is in charge and responsible in accordance to GCG principles to give advices and
suggestions to the Board of Directors and to monitor Bank’s activities in order for it to be in line with Sharia Principles.
Task and Responsibilities
According to Articles of Association and regulations about GCG in Islamic Commercial Bank and Islamic Business Unit of Conventional Bank, the task and responsibility Sharia
Supervisory Board consistent with the principles of GCG, are as follows:
• Implementing task and responsibilities according to GCG principles;
• Reviewing and ensuring the fulfillment of Sharia Principles in the operational guide and the bank’s end product;
• Monitoring the development process of the Company’s new product so that it will be consistent with National Sharia Board- Indonesian Ulema Council’s fatwa;
• Asking fatwa from National Sharia Board- Indonesian Ulema Council for the Company products that have no fatwa yet;
• Regularly reviewing the fulfillment of Sharia Principles in the fund and financing accumulation mechanism;
• Asking for data and information related with the sharia aspects of the bank’s working unit in term of its work implementation.
Consistent with the regulation, Sharia
Supervisory Board has delivered its monitoring report by semester to the Central Bank of Indonesia at the least 2 (two) months after the intended semester period ended.
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Independensi Dewan Pengawas Syariah DPS memiliki independensi dalam
melaksanakan tugas dan tanggung jawabnya, yaitu menghindarkan diri dari benturan kepentingan, antara lain dari segala upaya:
• Pihak lain atau inisiatif pribadi yang dapat dikategorikan sebagai upaya memanfaatkan Bank untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Bank.
• Pihak lain atau inisiatif pribadi yang berpotensi dikategorikan sebagai
mengambil dan/atau menerima keuntungan pribadi dari Bank selain remunerasi dan fasilitas lainnya yang ditetapkan RUPS.
• Pengambil keputusan di mana secara pribadi atau dengan cara apa pun, baik langsung maupun tak langsung, para anggota DPS mempunyai kepentingan pribadi di dalamnya.
Susunan Dewan Pengawas Syariah Sesuai aturan mengenai aspek transparansi dalam rangka memenuhi ketentuan GCG pada BUS dan UUS, Perseroan mengungkapkan status rangkap jabatan anggota DPS. Seluruh anggota DPS Perseroan memiliki rangkap jabatan pada lembaga keuangan syariah lain namun tidak bertentangan dengan aturan tersebut, yakni tidak merangkap jabatan sebagai konsultan di seluruh BUS dan/atau UUS. DPS Perseroan beranggotakan dua orang. Berikut susunan DPS Perseroan.
Dalam rangka meningkatkan kualitas proses pengawasan oleh DPS, Perseroan sejauh ini telah menyediakan data/informasi yang cukup memadai bagi DPS. Pada 2012, peran pengawasan DPS terhadap pelaksanaan prinsip-prinsip syariah pada Perseroan terus ditingkatkan, antara lain dengan mengeluarkan opini dan uji petik secara berkala mengenai produk dan aktivitas bank.
GOOD CORPORATE GOVERNANCE Tata Kelola Perusahaan
Sharia Supervisory Board Independence
Sharia Supervisory Board has independency in implementing its tasks and responsibilities, in order to avoid itself from conflict of interests. Some of the independency are:
• Another party or personal initiative that can be categorized as an effort to utilize the Bank for personal, family, and/or other party’s interest that can harm or reduce bank’s profit
• Another party or personal initiative that has the potential to be categorized as taking and/or receiving personal benefit from the Bank, other than remuneration or other facilities that has been determined by the General Meeting of Shareholders
• Decision making where the member of Sharia Supervisory Board, personally or in any other way, both directly or indirectly, has a personal interest in it
Structure of Sharia Supervisory Board
Consistent with the regulation about
transparency aspect to fulfill GCG provision in Islamic Commercial Bank and Islamic Business Unit of Conventional Bank, the Company reveals the double post status of Sharia Supervisory Board members. The entire member of the Company’s Sharia Supervisory Board also have a position in other sharia financial institution. But it does not contradict with the regulation as long as they doesn’t double post as consultant in another Islamic Commercial Bank and/or Islamic Business unit of Conventional Bank. The Company’s Sharia Supervisory Board consists of two members. Here is the structure of the Company’s Sharia Supervisory Board: In order to increase to quality of monitoring process by the Sharia Supervisory Board, the Company so far has provide adequate data/ information for Sharia Supervisory Board. In 2012, the monitoring role of Sharia Supervisory Board towards the implementation of sharia principles in the Company remains to be improved, among others are by giving opinions and tes quotes regularly about bank’s products and activities.
No. Nama/Name Posisi/Position Rangkap Jabatan/Double Position 1 Prof. DR. H.M. Din Syamsudin, M.A. Ketua/Chairman Bank Syariah Bukopin;
HSBC Unit Usaha Syariah;
Bank Danamon UUS
2 H. Ikhwan Abidin Basri, M.A. Anggota/Member Bank Syariah Bukopin;
HSBC Unit Usaha Syariah
KOMPOSISI DEWAN PENGAWAS SYARIAH PT BANK BUKOPIN SYARIAH PADA 2012