Annual Report
2010
GOOD CORPORATE GOVERNANCE TATA KELOLA PERUSAHAAN
Profil Anggota Komite Pemantau Risiko (KPR) Profil Widigdo Sukarman, Emirsyah Satar, Abdulla Saud Abdul Aziz Al Mulaifi, dan Sultan Mohammed Hasan Abdulrauf dapat dilihat pada Profil Komisaris, Bab 3 Hal 56.
Subardiah – Warga Negara Indonesia, lahir di Pekanbaru, 14 September 1953. Menjabat sebagai anggota Komite Pemantau Risiko Bank Muamalat sejak 2 Maret 2010. Jabatan sebelumnya adalah Deputy General Manager Risk Management Division PT Bank Negara Indonesia Tbk. (1979-2009), anggota Risk Management Working Group Bank Indonesia (2004-2009). Meraih Sarjana Ekonomi dari Universitas Riau, Pekanbaru (1978), dan Magister Manajemen dari Universitas Gadjah Mada, Yogyakarta (1996). Pemegang sertifikat Manajemen Risiko Level 1,2, dan 3 dari Badan Sertifikasi Manajemen Risiko ini memiliki pengalaman kerja sebagai pegawai PT Bank Negara Indonesia 1946 dengan berbagai jabatan dan terakhir sebagai Deputy General Manager Risk Management Division (1979 – 2009) dan sebagai anggota Risk Management Working Group Bank Indonesia (2004- 2009).
Tugas dan Tanggung Jawab Komite Pemantau Risiko (KPR)
Adapun tugas dan tanggung jawab KPR sesuai dengan ketentuan yang berlaku, antara lain :
1. Melakukan evaluasi atas kebijakan dan strategi manajemen risiko yang disusun Manajemen secara tahunan.
2. Melakukan evaluasi terhadap laporan pertanggungjawaban Direksi atas pelaksanaan kebijakan manajemen risiko.
3. Mengevaluasi langkah-langkah yang diambil oleh Direksi dalam rangka memenuhi peraturan Bank Indonesia dan peraturan perundang-undangan lain yang berlaku dalam rangka pelaksanaan prinsip kehati-hatian, khususnya yang berkaitan dengan manajemen risiko.
4. Melakukan evaluasi terhadap usulan Direksi yang berkaitan dengan transaksi atau kegiatan usaha yang melampaui kewenangan Direksi untuk dapat digunakan oleh Dewan Komisaris sebagai dasar pengambilan keputusan.
Monitoring Committee members:
Profile of Risk Monitoring Committee Members
Profiles of Widigdo Sukarman, Emirsyah Satar, Abdulla Saud Abdul Aziz Al Mulaifi, and Sultan Mohammed Hasan Abdulrauf are presented in the Profile Commissioners in Chapter 3 page 56.
Subardiah – Indonesian citizen, was born in Pekanbaru on 14 September 1953. She has been serving as member of the Risk Monitoring Committee since 2 March 2010. Her previous position was the Deputy General Manager Risk Management Division at PT Bank Negara Indonesia (1979-2009), the member of Risk Management Working Group Bank Indonesia (2004-2009). She obtained her Bachelor’s Degree in Economics from the University of Riau (1978) and Master’s Degree from the Gadjah Mada University, Yogyakarta (1966). The bearer or certificate of Risk Management Level 1, 2, 3 from the Risk Management Certification Council is on her previous years serving as employee in PT Bank Negara Indonesia 1946 taking various positions and the last position was Deputy general Manager Risk Management Division (1979-2009) and as the member of Risk Management Working Group Bank Indonesia (2004-2009).
The Duties and Responsibilities of the Risk Monitoring Committee (RMC)
In accordance with applied provisions, the duties and responsibilities of RMC are:
1. To evaluate risk management policy and strategy
compiled the annual management.
2. To evaluate the Directors accountability report on
the implementation of risk management policy
3. To evaluate steps taken by the Directors to meet
the provisions of bank of Indonesia and other applied regulating laws in order to implement the forethought principle especially the ones relating to risk management.
4. To evaluate the Director’s request regarding to
transaction or business activity which exceed the Director’s authority to be utilize by the Board of Commissioners as the foundation in decision making.
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Laporan TahunanAnnual Report
2010
GOOD CORPORATE GOVERNANCE TATA KELOLA PERUSAHAAN
RMC Performance Report
The RMC has delivered their function in accordance with their duties and responsibilities. During 2010 the RMC performed their duties such as:
1. The RMC conducted several meetings with
Board of Directors regarding risk management implementation and with Risk Management Division discussing Financing Authority Limit Approval and the Suggestion as well as ask for approval from the Board of Commissioners. The RMC will also compile the yearly target projection until 2014 including per segment composition as well as financing analysis on the collectibles implementation in accordance with prevailing regulation and customer rating if any.
2. The RMC, with Board of Directors, had discussed
on the Analysis Portfolio and Approval of Financing Limit, and will compile Management Portfolio with industry analysis.
3. The RMC, with Board of Directors and Head of
Information Technology Division, has discussed about IT Risk Management Strategy and IT Steering Committee (ITSC) which includes the preparation of system and procedure of information technology implementation, organization and Bank Muamalat’s information technology and human resources plan, ITSC membership, ATM location mapping and IT problems solution.
4. the RMC with Board of Directors has discussed
about the compliance of GCG implementation especially regarding the RMC member composition
The Meeting of Risk Monitoring Committee
During 2010 the RMS conducted 11 (eleven) coordinating meetings between the committee and relevant unit.
As appeared in the composition of committees under the Board of Commissioners, in accordance with provisions stated in GCG regulation, it is realized that there are still short in majority number of Board of Commissioners’ members who are also members of the committee which strongly required to be Independent Commissioner and the determine number of independent party is minimum of 2 (two) people.
Laporan Kerja KPR
KPR telah menjalankan fungsinya sesuai dengan tugas dan tanggung jawabnya. Selama tahun 2010, KPR telah melaksanakan tugas-tugasnya, antara lain: 1. KPR telah melakukan rapat beberapa kali
dengan Direksi yang terkait dengan penerapan manajemen risiko dan dengan Divisi Manajemen Risiko membahas mengenai Financing Authority Limit Approval dan Usulannya serta meminta persetujuan Dewan Komisaris. KPR juga akan membuat Proyeksi target per tahun sampai dengan tahun 2014 termasuk komposisi per segmen serta analisis pembiayaan mengenai penerapan kolektibilitas sesuai dengan regulasi dan rating nasabah yang ada.
2. KPR bersama dengan Direksi telah membahas mengenai Portfolio Analysis dan Approval of Financing Limit, dan akan membuat Portfolio Managementserta kajian industri.
3. KPR bersama Direksi dan Kepala Divisi Teknologi telah membahas tentang Information Technology Risk Management Strategy dan IT Streering Committee(ITSC) yang meliputi persiapan sistem dan prosedur implementasi teknologi informasi, organisasi & rencana sumber daya manusia teknologi informasi Bank Muamalat, keanggotaan ITSC, mapping penempatan ATM dan cara penanggulangan apabila terjadi masalah IT. 4. KPR bersama dengan Direksi membahas
mengenai pemenuhan ketentuan pelaksanaan GCG khususnya tentang susunan keanggotaan KPR.
Rapat Komite Pemantau Risiko
Selama tahun 2010 KPR telah melakukan rapat koordinasi antar komite dan unit terkait sebanyak 11 (sebelas) kali.
Dilihat dari komposisi komite-komite dibawah Dewan Komisaris tersebut, sesuai dengan persyaratan sebagaimana diatur dalam ketentuan GCG yang berlaku, disadari masih terdapat kekurangan yaitu mayoritas anggota Komisaris yang menjadi anggota Komite harus merupakan Komisaris Independen dan jumlah Pihak Independen yang ditetapkan minimal 2 (dua) orang.