2014 Dolar Amerika
4. Risiko Operasional (lanjutan) Operational Risk (continued)
Bank menerapkan manajemen risiko operasional dengan sasaran memastikan bahwa Bank telah melakukan proses manajemen risiko yang meliputi identifikasi risiko, penilaian risiko, evaluasi risiko, mitigasi risiko serta dilakukan pemantauan dan pelaporan atas pelaksanaannya. Hal tersebut dilakukan dengan tujuan akhir memaksimalkan manfaat dari suatu produk/layanan atau proses transaksi/aktivitas dengan potensi risiko operasional yang telah diperhitungkan.
The Bank implements operational risk management with the objective to ensure
that Bank has performed a risk
management process that includes risk identification, risk assessment, risk evaluation, risk mitigation, and monitoring and reporting on the implementation. It is perform with the ultimate goal to maximize the benefits of a product/service or transaction/activity process with the potential operational risks that have been calculate.
Pencatatan data kerugian dan potensi kerugian berperan penting dalam pengelolaan dan kalkulasi risiko operasional. Bank telah melakukan pengelolaan pencatatan data kerugian dan potensi kerugian yang terjadi pada Satuan Kerja Operasional (Risk Taking Unit) secara periodik melalui aplikasi
Tools Loss Event (TLE) dan Potential
Loss Event (PLE) yang telah
diimplementasikan secara online di seluruh cabang.
Recording of data loss and potential loss plays an important role in the operational
risk management and calculation.
The Bank has conducted data loss records management and the potential loss that occurred in the Operations Unit (Risk Taking Unit) periodically through Tools Loss Event (TLE) and Potential Loss Event (PLE) applications, which
have been implemented online in
all branches.
Pengelolaan data kerugian tersebut sebagai salah satu data input dalam penilaian parameter Profil Risiko Operasional yang dipetakan sesuai frekuensi kejadian dan dampaknya.
Management of data loss is one of the
input data in the assessment of
Operational Risk Profile parameters which is mapped in accordance to its frequency of occurrence and impact.
Pemantauan terhadap perkembangan Profil Risiko Operasional dilakukan melalui identifikasi faktor-faktor penyebab kerugian operasional yang terjadi dan memberikan rekomendasi kepada Satuan Kerja Operasional terkait dalam memitigasi kejadian risiko tersebut di masa mendatang.
Monitoring the development of
Operational Risk Profile through the identification of the causal factors operating losses incurred and provide recommendations to the Risk Taking Units relating to mitigate risk events in the future.
Pengawasan oleh Dewan Komisaris dan Direksi Bank atas Profil Risiko Operasional dan pelaksanaan manajemen risiko dilakukan melalui rapat Komite Manajemen Risiko dan Komite Pemantau Risiko yang dilakukan secara berkala sesuai dengan kebutuhan Bank.
Monitoring by the Bank‟s Boards of Commissioners and Directors on the Operational Risk Profile and risk management is conducted through Risk
Management Committee and Risk
Monitoring Committee meetings that are conducted periodically based on the Bank‟s needs.
III. Profil Risiko (lanjutan) III. Risk Profile (continued)
4. Risiko Operasional (lanjutan) 4. Operational Risk (continued)
Bank telah melakukan pengukuran risiko operasional selama tahun berjalan dengan menggunakan metode Basic Indicator
Approach (BIA) dengan berpedoman
kepada Peraturan Bank Indonesia No. 15/12/PBI/2013 tanggal 12 Desember 2013 tentang Kewajiban Penyediaan Modal Bank Umum dan Surat Edaran Bank Indonesia No. 11/3/DPNP tanggal 29 Januari 2009 tentang Perhitungan Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko Operasional dengan menggunakan Pendekatan Indikator Dasar (PID).
The Bank has conducted the operational risk measurement during the year using the Basic Indicator Approach (BIA) method by referring to Bank Indonesia Regulation No. 15/12/PBI/2013 dated December 12, 2013 regarding the Capital Requirement of Commercial Banks and
Bank Indonesia Circular Letter
No. 11/3/DPNP dated January 29, 2009 regarding the calculation of Risk Weighted assets (RWA) of Operational Risk using the Basic Indicator Approach (PID).
Secara bertahap Bank akan terus melakukan pengembangan metode pengukuran risiko operasional dengan penggunaan pengukuran yang lebih maju yaitu Standardized Approach (SA) dan/atau Advanced Measurement Approach (AMA).
Gradually the Bank will continue to
develop measurement methods of
operational risk by using more advanced measurements such as Standardized
Approach (SA) and/or Advanced
Measurement Approach (AMA).
Selain kebijakan dan metode tersebut di atas, Bank juga telah menerapkan upaya yang terus menerus dikembangkan untuk membangun lingkungan budaya risiko yang mendukung pelaksanaan manajemen risiko operasional. Hal tersebut dilakukan melalui penguatan pada tiga lini pertahanan (three lines of defense) yaitu pemberdayaan unit bisnis sebagai lini pertahanan pertama, pembentukan fungsi manajemen risiko operasional sebagai lini pertahanan kedua dan koordinasi kerja dengan Internal Audit sebagai lini pertahanan ketiga.
In addition to policies and methods above,
the Bank has also implemented
an ongoing effort to build a cultural
environment that support the
implementation of operational risk management. This is done through the strengthening of the three lines of defense such as empower the business unit as a first line of defense, the establishment of operational risk management function as a second line of defense and coordination with Internal Audit as a third line of defense.
5. Risiko Reputasi 5. Reputation Risk
Risiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan pemangku kepentingan (stakeholder) yang bersumber dari persepsi negatif terhadap Bank.
Reputation risk is the risk related to the decreasing level of stakeholders‟ confidence arising from the negative perception on the Bank.
Kegagalan Bank dalam menjaga reputasinya di mata masyarakat dapat menimbulkan pandangan maupun persepsi negatif masyarakat terhadap Bank. Apabila risiko ini dihadapi oleh Bank, maka dalam waktu singkat dapat terjadi penurunan atau hilangnya kepercayaan nasabah terhadap Bank yang pada akhirnya akan memberikan dampak negatif terhadap pendapatan usaha dan volume aktivitas Bank.
The Bank‟s failure in proctecting its reputation in the public‟s perception may result in negative view as well as perception by the public towards the Bank. If the Bank faces this risk then in the short run, the Bank may lose the customer‟s trust that will ultimately result in a negative impact to the Bank‟s income and volume of activities.
40. MANAJEMEN RISIKO (lanjutan) 40. RISK MANAGEMENT (continued)
III. Profil Risiko (lanjutan) III. Risk Profile (continued)
5. Risiko Reputasi (lanjutan) 5. Reputation Risks (continued)