Memperhatikan kondisi pengalaman perbankan masa lalu, sudah menjadi keharusan bagi Bank Umum baik Konvensional maupun Syariah untuk menerapkan GCG sebagaimana yang tertuang dalam beberapa ketentuan yang berlaku, yakni:
1. Undang-undang Republik Indonesia No.10 tahun 1998 tentang perubahan atas Undang-undang No.7 tahun 1992 tentang Perbankan.
2. Undang-undang Republik Indonesia No.40 tahun 2007 tentang Perseroan Terbatas;
3. Peraturan Bank Indonesia No.8/4/PBI/2006 tanggal 30 Januari 2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum, sebagaimana telah diubah dengan Peraturan Bank Indonesia No.8/14/PBI/2006 tanggal 05 Oktober 2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum;
4. Peraturan Bank Indonesia No.11/33/PBI/2009 tanggal 7 Desember 2009 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum Syariah dan Unit Usaha Syariah;
5. Surat Edaran Bank Indonesia No.12/13/DPbS tanggal 30 April 2010 perihal Pelaksanaan Good Corporate Governance Bagi Bank Umum Syariah dan Unit Usaha Syariah;
6. Surat Edaran Bank Indonesia No.15/15/DPNP/tanggal 29 April 2013 perihal Pelaksanaan Good Corporate Governance
bagi Bank Umum.
Selain ketentuan yang diharuskan dari berbagai aturan perundang- undangan di atas, Bank juga mendasarkan pada pedoman- pedoman implementasi GCG sebagai berikut:
1. Prinsip-prinsip Corporate Governance yang dikembangkan oleh Organization for Economic Cooperation and Development (OECD);
2. ASEAN Corporate Governance Scorecard;
3. Pedoman GCG Indonesia yang dikembangkan oleh Komite Nasional Kebijakan Governance (KNKG);
4. Pedoman GCG Perbankan Indonesia yang dikembangkan oleh Komite Nasional Kebijakan Governance (KNKG);
5. Principles for Enhancing Corporate Governance yang
diterbitkan oleh Basel Committee on Banking Supervision.
Internalisasi dari berbagai peraturan perundang-undangan dan pedoman di atas ke dalam kebijakan internal Bank merupakan komitmen dari Dewan Komisaris dan Direksi dan seluruh karyawan. Komitmen Bank terhadap penerapan GCG ditunjukkan dalam gambar di bawah ini:
Public service in financial sector such as banks always gains more attention from the public in the form of social control of environment, the Government (executive), and legislative body as well as Regulatory Authorities.
LegaL gRounDs FoR gcg IMPLeMenTaTIon
Considering the banking industry’s past experiences, it is imperative for Commercial Banks either Conventional or Sharia to implement GCG as specified in the following applicable provisions:1. Law of the Republic of Indonesia No.10 year 1998 concerning the amendment on Law No.7 year 1992 on Banking.
2. Law of the Republic of Indonesia No.40 year 2007 on Limited Liability Company (PT);
3. Bank Indonesia Regulation No.8/4/PBI/2006 dated 30 January 2006 on Implementation of Good Corporate Governance for Commercial Banks, as having been amended by Bank Indonesia Regulation No.8/14/PBI/2006 dated 05 October 2006 on the Implementation of Good Corporate Governance for Commercial Banks.;
4. Bank Indonesia Regulation No.11/33/PBI/2009 dated 7 December 2009 on Implementation of Good Corporate Governance for Sharia Commercial Banks and Sharia Business Units;
5. Bank Indonesia Circular Letter No.12/13/DPbS dated 30 April 2010 on Implementation of Good Corporate Governance for Sharia Commercial Banks and Sharia Business Units; 6. Bank Indonesia Circular Letter No.15/15/DPNP/dated 29 April
2013 on Implementation of Good Corporate Governance for Commercial Banks.
In addition to the required provisions of various laws and regulations aforementioned above, Bank Victoria also applies guidelines for the implementation of GCG as follows;
1. Corporate Governance Principles developed by the Organization for Economic Cooperation and Development (OECD);
2. ASEAN Corporate Governance Scorecard;
3. Indonesian GCG Guidelines developed by the National Committee on Governance (KNKG);
4. Indonesian Banking Sector GCG Guidelines developed by the National Committee on Governance (KNKG);
5. Principles for Enhancing Corporate Governance issued by the Basel Committee on Banking Supervision.
It is the commitment of the Boards of Commissioners and Directors as well as all employees to internalize various aforementioned regulations and guidelines into the Bank’s internal policy. The Bank’s commitment to the implementation of GCG is shown in the figure below;
Komitmen Bank dalam menerapkan GCG terlihat dari visi, misi dan nilai-nilai budaya Bank. Visi Bank Victoria untuk menjadi bank pilihan nasabah yang terpercaya, sehat dan efisien diwujudkan dalam misinya dan didasarkan pada nilai-nilai budaya Bank. Dalam mewujudkan visi dan menjalankan misinya, Bank senantiasa berpegang pada asas-asas GCG yaitu Transparansi, Akuntabilitas, Responsibilitas, Independensi dan Fairness.
Berdasarkan asas-asas GCG, Bank mengembangkan struktur GCG yang meliputi GCG infrastructure dan GCG softstructure
guna menjalankan mekanisme GCG sesuai peraturan perundang- undangan serta best practices yang ada. Dengan mendasarkan kegiatan usahanya berdasarkan prinsip-prinsip GCG, diharapkan akan tercipta kesinambungan usaha dalam jangka panjang.
PeLaKsanaan IMPLeMenTasI gcg
DI BanK VIcToRIa
Pada prinsipnya pelaksanaan penerapan GCG di Bank Victoria berjalan dengan baik dan dilaksanakan oleh Dewan Komisaris, Direksi, dan seluruh karyawan pada setiap kegiatan dengan tujuan untuk melindungi kepentingan Bank, shareholders dan
stakeholders.
Mekanisme pelaksanaan implementasi GCG digambarkan dalam siklus implementasi di bawah ini:
The Bank’s commitment in implementing GCG is evident from its vision, mission as well as corporate culture values. The vision of Bank Victoria is to become a reliable, healthy and efficient, a bank of choice. This is embodied in the mission and is based on its corporate culture. In order to realize the vision and mission, Bank Victoria always complies to the principles of Good Corporate Governance which are Transparency, Accountability, Responsibility, Independency and Fairness.
Based on these Good Corporate Governance principles, Bank Victoria has developed a GCG structure that includes GCG infrastructure and softstructure to execute the appropriate GCG mechanism in accordance with the prevailing laws and best practices. By underlying its business activities on the Good Corporate Governance principles, the Bank expects to create long- term sustainability of the business.
gcg IMPLeMenTaTIon In BanK VIcToRIa
In principle, the GCG implementation in Bank Victoria has been well executed by the Board of Commissioners, the Board of Directors, and employees in every activity to protect the interests of the Bank, shareholders, and stakeholders
GCG implementation mechanism is described on the implementation cycle below:
Visi
Vision MissionMisi nilai Budaya Perusahaan Company’s Culture Values
Transparency Accountability
Responsibility Independency fairness
gcg CommITmEnT GCG pRInCIplE Infrastructure
• RuPs/General Meeting of Shareholders
• Dewan Komisaris/Board of Commisioners
• Direksi /Board of Directors
• organ Pendukung/Supporting Organs
• Perlakuan yang sama bagi seluruh Pemegang saham/Equal treatment to all share holders
• Peran Stakeholders/Stakeholders’ roles
• Transparansi Informasi/Information transparency
• Tanggung Jawab Dewan Komisaris dan Direksi/Responsibilities of the Board of Commisioners and Directors
Softstructure
• Pedoman gcg/The GCG Guidelines
• Tata Tertib Dekom/The Rule of The Board of Commissioners
• Pedoman Anti fraud/The Anti Fraud Guidelines
• Pedoman etika Karyawan/The Employee Ethics Guidelines
• soP/Standard Operating Procedures