KESELURUHAN (LAPORAN POSIS
44. MANAJEMEN RISIKO RISK MANAGEMENT
Bank telah mengimplementasikan prosedur
manajemen risiko sesuai dengan PBI tentang Penerapan Manajemen Risiko bagi Bank Umum yang dicakup dalam PBI No. 5/8/PBI/2003 dan
Surat Edaran BI No. 5/21/DPNP tentang
Penerapan Manajemen Risiko bagi Bank Umum yang telah diubah melalui PBI No. 11/25/PBI/2009 tentang perubahan atas Peraturan Bank Indonesia No. 5/8/PBI/2003 tentang Penerapan Manajemen Risiko Bagi Bank Umum, sehingga Bank harus mengelola serta melakukan mitigasi risiko sesuai ruang lingkup aktivitas bisnisnya, yaitu risiko kredit, risiko pasar, risiko operasional, risiko likuiditas, risiko hukum, risiko reputasi, risiko strategis dan risiko kepatuhan.
The Bank has implemented risk management procedures to comply with PBI regarding the Application of Risk Management for Commercial Banks as covered by PBI No. 5/8/PBI/2003 and BI
Circular Letter No. 5/21/DPNP regarding
Application of Risk Management for Commercial
Banks which had been revised by PBI
No. 11/25/PBI/2009 regarding revision for PBI No.5/8/PBI/2003 regarding Application of Risk Management for Commercial Banks, therefore the Bank has to manage and carry out risk mitigation to comply with its business activities scope, consisting of credit risk, market risk, operational risk, liquidity risk, legal risk, reputational risk, strategic risk and compliance risk.
Profil Risiko Risk Profile
Bank juga membuat profil risiko yang secara garis besar dapat memetakan unit kerja yang memiliki risiko maupun potensi risiko yang menganggu kelangsungan bisnis Bank serta menggunakan 5 (lima) komposit untuk delapan jenis risiko yang dihadapi Bank.
The Bank also prepares a risk profile that groups those business units which carry risks as well as the potential risks that affect the Bank’s ability to continue as a going concern and also use 5 composites for eight types of risk which are dealt by the Bank.
Bank telah membentuk struktur organisasi
manajemen risiko yang terpusat dan independen yang memiliki fungsi mengindentifikasi, mengukur, memonitor dan mengelola risiko-risiko dasar dan menetapkan pedoman serta kebijakan risiko.
The Bank has developed an independent and centralized organization structure for risk management which has the function to identify, measure, monitor and maintain basic risk and to set guidelines and risk policy.
Pengungkapan mengenai risiko kredit, risiko likuiditas, risiko pasar (risiko mata uang dan risiko tingkat bunga) dan risiko operasional telah diungkapkan dalam catatan tersendiri (Catatan 38, 39, 40, 41 dan 42).
The disclosure on credit risk, liquidity risk, market risk (currency risk and interest rate risk) and operational risk has been made in separate notes (Notes 38, 39, 40, 41 and 42).
a. Risiko hukum a. Legal risks
Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan aspek yuridis dalam bisnis, yang antara lain disebabkan adanya
tuntutan hukum, ketiadaan peraturan
perundang-undangan yang mendukung, atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan agunan yang tidak sempurna.
Legal risk is the risk raised by weaknesses in judicial aspects of the business, which could be caused by legal claims, non-existence of supported regulation or weaknesses in agreements, such as unfulfilled terms and conditions in contracts and binding collateral which is not complete.
Bank mengelola risiko hukum dengan
memastikan seluruh aktivitas dan hubungan kegiatan usaha Bank dengan pihak ketiga didasarkan pada aturan dan persyaratan yang dapat melindungi kepentingan Bank dari segi hukum.
Legal risks are managed by ensuring that all activities and business relationships between the Bank and third parties are based on rules and conditions that are capable of protecting the Bank’s interests from a legal perspective.
b. Risiko reputasi b. Reputational risks Risiko reputasi adalah risiko yang antara lain
disebabkan oleh adanya publikasi negatif yang terkait dengan kegiatan usaha Bank atau persepsi negatif terhadap Bank.
Reputational risk is the risk that is caused by negative publicity related to the business activity of the Bank or negative perception of the Bank.
Bank mengelola risiko reputasi dengan
memastikan kesesuaian antara aktivitas
kegiatan usaha Bank bersama-sama dengan aktivitas lain sehingga reputasi Bank tetap terjaga.
The Bank manages its reputational risk by ensuring that its business activities are in conformity with its other activities, so as to maintain the Bank’s reputation.
c. Risiko strategis c. Strategic risks
Risiko strategis adalah risiko yang antara lain
disebabkan adanya penetapan dan
pelaksanaan strategi Bank yang tidak tepat, pengambilan keputusan bisnis yang tidak tepat atau kurang responsifnya Bank terhadap perubahan eksternal.
Strategic risk is the risk that is caused by
inappropriate determination and
implementation of the Bank strategy,
inappropriate business decisions or being un- responsive to external changes.
Bank mengelola risiko strategis melalui proses pertimbangan dan pengambilan keputusan setiap kebijakan strategis secara kolektif dan komprehensif oleh Direksi dan Komite-Komite yang telah dibentuk.
The Bank manages strategic risks through a consideration of, and decision-making process regarding every strategic policy in a collective and comprehensive manner performed by the established Bank’s Directors and Committees.
d. Risiko kepatuhan d. Compliance risks
Risiko kepatuhan adalah risiko yang timbul akibat Bank tidak mematuhi dan/atau tidak melaksanakan peraturan perudang-undangan dan ketentuan yang berlaku, termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Syariah.
Compliance risk rise because Bank did not comply and/or did not follow the law and regulation, including sharia principle for sharia bank and Sharia business unit.
Bank melaksanakan Fungsi Kepatuhan,
Fungsi Kepatuhan Bank meliputi tindakan untuk :
Bank performs compliance function, Bank’s compliance function including:
1. Mewujudkan terlaksananya Budaya
Kepatuhan pada semua tingkatan
organisasi dan kegiatan usaha Bank;
1. To create compliance culture in all level of organitation and Bank’s business activity
2. Mengelola Risiko Kepatuhan yang
dihadapi oleh Bank; Tindakan mengelola Risiko Kepatuhan dilaksanakan dengan mengacu pada ketentuan Bank Indonesia mengenai Manajemen Risiko Bagi Bank Umum.
2. Manages compliance risk face by the bank; Managing compliance risk is based on Bank Indonesia’s regulation about Risk Management for Bank
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)