WOrK PrOGraM OF COMPLIanCe FunCTIOn In
6. The Implementation of Integrated Compliance Function in Victoria Group
Dalam rangka pelaksanaan fungsi kepatuhan terintegrasi pada Konglomerasi Keuangan Grup Victoria, telah melaksanakan beberapa hal, sebagai berikut.
a. penetapan entitas Utama (eU) dan anggota Lembaga Jasa Keuangan (LJK) Grup Victoria serta perubahannya;
b. Pembentukan dan penetapan Struktur, Tugas dan Tanggung Jawab pada elemen Entitas Utama serta perubahannya;
c. Pembentukan dan penetapan Komite Manajemen Risiko Terintegrasi beserta tugas & tanggung jawabnya termasuk perubahannya;
d. Pembentukan dan penetapan Komite Tata Kelola Terintegrasi beserta Tugas & Tanggung jawabnya termasuk perubahannya;
d. Conducted a review of New Product Policy/Activity to comply with prevailing regulations and always updated with the latest policies;
e. Monitored and participated whenever there is development or system update done by the Bank.
4. The Implementation of Compliance Function in the Implementation of Prudent Principle
Monitoring activities carried out by implementing prudent principles was done periodically and continuously by monitoring some of the following.
a. Assessed the Funds Provision (credit and treasury); b. Monitored the LLL (lending limit);
c. Conducted analysis and study of the Bank’s performance achievement, among others the Capital Adequacy Ratio (CAR); Statutory (GWM); Loan to Deposit Ratio (LDR); ROA; Net Interest Margin (NIM); Return on Assets (ROA); Return on Equity (ROE); Non Performing Loan (NPL); Core debtor; Core depositors and others.
5. The Implementation of Compliance Function to the Commitment
Monitoring activities in the compliance implementation of the commitments to BI/FSA or Other Parties conducted periodically and continuously with the following mechanism. a. recorded every agreements and/or other commitments made between the Bank and BI/FSA in addition to follow-up the results of BI/FSA examination;
b. Assessed any material agreements and/or commitments to know the things that need to be fulilled by the Bank; c. ensured from time to time the Bank’s compliance to the
obligations arising in connection with the agreements and/or commitments;
d. Reported to BI/FSA or Other Parties about the commitments made at the discretion of the prevailing law and regulations;
e. Monitored the follow-up on the results of BI/FSA or other agencies examination and periodically reported the progress and completion that has been done.
6. The Implementation of Integrated Compliance Function in Victoria Group
In the implementation of integrated compliance function in the Victoria Group Financial Conglomerate, the Bank has carried out the following in 2016.
a. Establishment of the Main Entity and members of the Institute of Financial Services (LJK) Victoria Group and its changes;
b. Establishment and determination of Structure, Duties and Responsibilities of the Main Entity and its changes; c. The formation and establishment of Integrated
Risk Management Committee and its tasks and Responsibilities and its changes;
d. Establishment and determination the Integrated Governance Committee along with its Tasks and Responsibilities and its changes;
e. Penyusunan dan pembuatan Pedoman Kerja bagi setiap elemen pada Entitas Utama;
f. Penetapan sumber daya manusia dalam pelaksanaan tugas dan tanggungjawab pada EU maupun LJK; g. Pembuatan dan penyampaian Laporan Terintegrasi
sesuai ketentuan berlaku dan tepat waktu.
Dalam mendukung pelaksanaan tugas dan tanggung jawab di atas, Konglomerasi Keuangan Grup Victoria selama tahun 2016, telah melakukan rapat-rapat sebagai berikut.
no TanggalDate agenda PembahasanDiscussion agenda
1 12 Januari 2016
12 January 2016
Komite TKT dengan OJK, Presentasi Manajemen Risiko Terintegrasi, Kepatuhan Terintegrasi, dan SKAI
terintegrasi.
2 11 Februari 2016
11 February 2016
Rapat Unit Kerja Kepatuhan Terintegrasi dengan Komite TKT Grup Victoria: • Penyampaian progress kerja Unit Keptuhan Terintegrasi selama tahun 2015; • Pembahasan proses pembuatan Laporan Semesteran 2015.
3 17 Maret 2016
17 March 2016 pelaporan tKt
4 06 April 201606 April 2016 Pembahasan Laporan Tata Kelola Terintegrasi dan Manajemen Risiko Terintegrasi Tahunan.
5 27 April 2016
27 April 2016 Komite TKT, membahas proses mapping Grup Victoria posisi akhir tahun 2015.
6 03 Juni 201603 June 2016 Penyampaian Tugas dan Tanggung Jawab Fungsi Kepatuhan EU dan Masing-masing Anggota Anggota LJK Grup
victoria.
7 12 Agustus 2016
12 August 2016 Komite tKt – pelaporan dan rapat
Pelaporan yang telah disampaikan pada tahun 2016, sebagai berikut:
no Kind of reportJenis Laporan
1 Laporan Semester II 2016
Report Semester II 2016
2 Laporan Semester I 2016
Report Semester II 2016
3 Laporan Tahunan Pelaksanaan TKT Grup Victoria tahun 2015 Implementation of tKt victoria Group annual report
4 Laporan Semester II 2015
Report Semester II 2015
PrOGraM anTI PenCuCIan uanG
(aPu) Dan PenCeGahan PenDanaan
TerOrIsMe (PPT)
Seiring dengan kegiatan operasional perbankan saat ini yang ditandai dengan semakin kompleksnya produk dan aktivitas perbankan yang ditawarkan, serta meningkatnya kegiatan operasional perbankan, maka kondisi ini meningkatkan risiko Bank sebagai media atau tujuan kegiatan pencucian uang dan pendanaan terorisme.
Dalam rangka mencegah Bank dijadikan sasaran kegiatan pencucian uang dan pendanaan terorisme, maka Bank tunduk kepada UU Republik Indonesia tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang No. 8 Tahun 2010 dan Peraturan Bank Indoensia No.14/27/PBI/2012 tanggal 28 Desember 2012 dan Surat Edaran Bank Indonesia No. 15/21/ DPNP tanggal 14 Juni 2013 tentang Penerapan Program Anti pencucian Uang dan pencegahan pendanaan terorisme Bagi Bank Umum, yang mewajibkan kepada seluruh Bank di Indonesia untuk menerapkan program anti pencucian Uang (apU) dan pencegahan pendanaan terorisme (apU/ppt).
e. Development and preparation of Working Guidelines for each element on the Main Entity;
f. Establishment of human resources in the execution of tasks and responsibility of Main Entity and LJK; g. Preparation and submission of Integrated Reports in
accordance prevailing regulation and in timely fashion. In supporting the implementation of aforementioned tasks and responsibilities, Victoria Group Financial Conglomeration has conducted meetings as follows:
The Reports that have been submitted in 2016 were as follows:
anTI MOneY LaunDerInG (aPu) anD
PreVenTIOn OF FunDInG TerrOrIsM
(PPT) PrOGraM
In line with current banking operations acitvities characterized by the increasing complexity of banking products and activities offered, as well as increased banking operations, these conditions increase the Bank’s risk as a medium or purpose of money laundering and terrorism inancing activities.
In order to prevent the Bank from being targeted for money laundering and terrorism inancing activities, the Bank shall be subject to the Law of the Republic of Indonesia concerning the Prevention and Eradication of Money Laundering Criminal Acts. 8 of 2010 and Bank Indonesia Regulation No. 14/27/PBI/2012 dated December 28, 2012 and Circular Letter of Bank Indonesia no. 15/21/DPNP dated June 14, 2013 on the Implementation of Anti Money Laundering and Counter-Terrorism Financing Program for Commercial Banks, requiring all Banks in Indonesia to implement Anti Money Laundering (APU) and Terrorism Financing (apU/ppt) programs.
Dalam rangka penerapan program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU & PPT) agar dapat berjalan dengan efektif, Bank telah melakukan beberapa hal sebagai berikut:
