COMMERCIAL BANKS’ OBLIGATIONS Sejak tahun 1998, Pemerintah menjamin kewajiban
45. MANAJEMEN MODAL (lanjutan) CAPITAL MANAGEMENT (continued)
2011 2010
Rasio kewajiban penyediaan modal
minimum untuk risiko kredit, risiko Capital Adequacy Ratio (CAR) with
operasional dan risiko pasar 12,65% 13,65% credit, operational and market risk
Rasio kewajiban penyediaan modal Minimum Capital Adequacy Ratio
minimum yang diwajibkan 8% 8% required
Untuk tujuan perbandingan, perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) Bank per 31 Desember 2010 telah direklasifikasi agar sesuai dengan penyajian perhitungan KPMM per 31 Desember 2011.
For comparative purposes, the calculation of Capital Adequacy Ratio (CAR) as of December 31, 2010 have been reclassified to conform with the presentation of the calculation of CAR as of December 31,2011.
46. MANAJEMEN RISIKO 46. RISK MANAGEMENT
Bank menyadari bahwa dalam melaksanakan kegiatannya, selalu terdapat risiko melekat dalam setiap kegiatan Bank yaitu risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, risiko reputasi, risiko stratejik dan risiko kepatuhan.
The Bank realizes that in operating its business there will always be inherent risks in every activities, i.e. credit risk, market risk, liquidity risk, operations risk, legal risk, reputation risk, strategic risk and compliance risk.
Untuk itu, Bank terus mengembangkan serta menyempurnakan kebijakan, sistem dan prosedur pengelolaan risiko guna mengidentifikasi, mengukur, memonitor, dan mengendalikan eksposur risiko serta membatasi dampaknya secara luas dan menyeluruh.
Therefore, the Bank is continuously developing and upgrading its policies, systems and risk management procedures in order to identify, measure, monitor, and control risk exposure and limit the impact in a comprehensive way.
Sesuai dengan Peraturan Bank Indonesia No. 5/8/PBI/2003 tanggal 19 Mei 2003 serta Surat Edaran Bank Indonesia No. 5/21/DPNP tanggal 29 September 2003 yang diubah dengan Peraturan Bank Indonesia No. 11/25/PBI/2009 tanggal 1 Juli 2009 perihal Penerapan Manajemen Risiko bagi Bank Umum, Bank telah mengembangkan kerangka pengelolaan risiko secara terpadu dengan mengalokasikan sejumlah besar daya bagi pengembangan struktur organisasi, personil, sistem dan prasarana teknologi informasi serta menyelenggarakan pelatihan dan sosialisasi pengelolaan risiko di lingkungan Bank.
In line with Bank Indonesia Regulation No. 5/8/PBI/2003 dated May 19, 2003, and the Circular Letter of Bank Indonesia No. 5/21/DPNP dated September 29, 2003 which was amended by Bank Indonesia Regulation No. 11/25/PBI/2009 dated July 1, 2009 concerning the Risk Management Application for General Banks, the Bank has developed an integrated risk management framework by allocating of resources to develop organizational structure, personnel, systems and information technology infrastructure through the implementation of training programs and socializing of risk management in the Bank‟s working environment.
Untuk memastikan pengelolaan risiko berjalan dengan baik, Bank telah membangun infrastruktur dengan membentuk Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko yang merupakan fungsi yang independen dan terpisah dari aktivitas operasional.
To assure the risk management is applied, the Bank has developed the necessary infrastructure by establishing a Risk Management Committee and a Risk Management Work-out Unit that are totally independent and separate from the operational activities.
Komite Manajemen Risiko (KMR) diketuai oleh Direktur Kepatuhan yang beranggotakan Direktur dan Kepala Divisi yang terkait pengelolaan risiko. KMR melakukan kajian paparan risiko dan mengawasi penerapan serta pengembangan kebijakan pengelolaan risiko Bank.
The Risk Management Committee (KMR) is headed by the Director of Compliance and the member consist of Director and Division Heads that are related to risk management. KMR evaluates risk module and monitors the implementation and development of the Bank‟s risk management
Bank terhadap seluruh kebijakan dan prosedur pengelolaan risiko yang diterapkan. Selain itu, Bank juga telah membentuk Komite Pemantau Risiko yang bertugas membantu Dewan Komisaris untuk memantau dan mengawasi kualitas pelaksanaan manajemen risiko dalam rangka pencapaian tata kelola Perusahaan yang baik (good corporate governance).
to risk management policies and procedures that are applied. Beside that, the Bank also formed a Risk Monitoring Committee that assists the Board of Commissioners to monitor and control the quality of the risk management implementation in the framework of achieving good corporate governance.
a. Perkembangan Penerapan Manajemen Risiko a. Development of Risk Management Application
Bank terus melakukan pengembangan penerapan manajemen risiko untuk memenuhi ketentuan Bank Indonesia dan Basel II. Bank telah menyusun Profil Risiko setiap triwulan dan telah disampaikan ke Bank Indonesia sesuai dengan batas waktu yang ditetapkan.
The Bank is continuously developing its risk management applications in order to meet the regulations of Bank Indonesia and Basel II. The Bank has reported a business Risk Profile quarterly and submit to Bank Indonesia in accordance with the due date.
b. Risiko Kredit b. Credit Risks
Risiko kredit secara garis besar didefinisikan sebagai kemungkinan kerugian yang timbul akibat kegagalan debitur ataupun counterparty untuk memenuhi kewajiban terhadap Bank. Bank melakukan pengelolaan risiko kredit dengan menerapkan beberapa aktivitas termasuk penerapan dan peningkatan Credit Risk Management System dan aplikasi Credit Risk Rating (CRR) ke seluruh cabang secara on-line dan pengembangan modul Profil Risiko.
The credit risks are generally defined as the possible losses that can be realized due to the failure of debtors or counterparties to settle their obligations to the Bank. Bank perform management of credit risks by implemented several activities including the implementation and enhance of Credit Risk Management System, and Credit Risk Rating (CRR) application to all branches on-line, and the development of Risk Profile module.
Manajemen risiko kredit diarahkan untuk meningkatkan keseimbangan antara ekspansi kredit yang sehat dengan pengelolaan kredit yang berprinsip kehati-hatian (prudent) agar terhindar dari penurunan kualitas atau menjadi
Non Performing Loan (NPL), serta
mengoptimalkan penggunaan modal yang dialokasikan untuk risiko kredit. Oleh karena itu, Bank menetapkan kebijakan dan pedoman tertulis yang mencakup Kebijakan Perkreditan Bank, Kebijakan Pelaksanaan Perkreditan, Kebijakan Penyelesaian Kredit Bermasalah, Kebijakan Surat Berharga dan Kebijakan Interbank Money Market.
Credit risk management is mainly to improve the balance of credit expansion and the prudent credit management that could mitigate the risk of the deterioration of loan quality or loans become non-performing loan, and to optimise the use of capital allocated for the credit risk. Therefore, the Bank sets a written policy and procedure which includes the Bank‟s Credit Policy, Credit Implementation Policy, Non-performing Loans Settlement Policy, Securities Policy, and Interbank Money Market Policy.
