Risk Management
RISK MANAGEMENT
PENERAPAN MANAJEMEN RISIKO
Belakangan ini situasi lingkungan eksternal dan internal perbankan mengalami perkembangan yang pesat diikuti semakin kompleksnya risiko yang dihadapi oleh industri perbankan.Halinimenuntutsetiappelakuusahadalam industri perbankan untuk menerapkan manajemen (pengelolaan)risikoagaraktivitasusahayangdilakukan tidak menimbulkan kerugian yang dapat mengganggu kelangsungan usaha bank.
Bank Muamalat telah menerapkan prinsip manajemen risiko dengan melakukan fungsi identifikasi, pengukuran, pemantauan dan pengendalian terhadap : (1) risiko pembiayaan (2) risiko pasar/ nilai tukar (3) risiko operasional(4)risikolikuiditas(5)risikohukum(6)risiko reputasi(7)risikostratejikdan(8)risikokepatuhan. Profil risiko komposit Bank Muamalat tahun 2009 dinilai ”sedang” (moderate risk) dan selama setahun terakhir, memperlihatkan kecenderungan yang stabil.
Perhatian manajemen terhadap pentingnya pengelolaan risiko yang dihadapi (risk awareness) semakin tinggi dengan ditetapkannya status satuan kerja yang melaksanakan fungsi manajemen risiko, pada tingkat divisi Risk Management Division. Tahap awal pengembangan struktur organisasi risk management division, dimulai dari Financing Risk Management Unit ditingkat cabang, area hingga kantor pusat. Fungsi utama Financing Risk Management Unit adalah menjalankan independent financing risk assessment yang merupakan ”filterisasi” awal terhadap setiap proposal pembiayaan nasabah yang diajukan oleh cabang, sebelum diputuskan oleh Komite Pembiayaan sesuai dengan limit kewenangannya.
Dalam struktur organisasi Risk Management Division, terdapat Financing Risk Management Unit, Operational Risk Management Unit, Market & Liquidity Risk ManagementUnit,sertaInformationTecnology (IT)Risk Management Unit.
RISK MANAGEMENT
The conditions affecting the external and internal banking environment have evolved rapidly over the last several years, characterized by the increasingly complex risks that arefacedbythebankingsector.Thisrequireseverybank in the industry, to undertake rigorous risk management so that their business activities do not lead to a loss that has the potential of disrupting the business viability and sustainability of the bank.
Bank Muamalat has implemented the principles of risk management, comprising of the measurement and monitoringofrisksthatcover(1)financingrisk(2)market/ currencyexchangerisk(3)operationalrisk(4)liquidityrisk (5) legal risk (6) reputation risk (7) strategic risk and (8) compliance risk.
The composite risk profile of Bank Muamalat in 2009 was assessed as “moderate risk”; and during the past year, risk showing a stable trend.
The attention given by the Management of Bank Muamalat on the importance of managing the risks faced by the Bank (risk awareness), has increased in intensity with the formation of the working unit that is responsible for risk management at the divisional level (namely: the Risk Management Division). In the early stage of the development of the organizational structure of the Risk Management Division, the Financing Risk Management Unit has been established at both Area and Head Office levels. The main function of the Financing Risk Management Unit is to undertake an independent risk assessment that functions as an early “filtration” on every financing proposal submitted by branches on behalf of the customer, prior to the decision of the Financing Committee in accordance with the limit of its authority. Within the organizational structure of the Risk management Division, in addition to the Financing Risk Management Unit, there are also the Operational Risk ManagementUnit,Market&LiquidityRiskManagement Unit and Information Technology (IT) Risk Management Unit.
Operational Risk Management Unit bertanggung jawab terhadap pelaksanaan manajemen risiko untuk kelompok risiko operasional (mencakupi risiko operasional, risiko hukum, risiko reputasi, risiko stratejik dan risiko kepatuhan), yang prosesnya dilakukan melalui unit terkait.
Pengidentifikasian dan pengukuran risiko operasional dilakukan oleh Resident Auditor yang ada di cabang berdasarkan temuan pemeriksaan yang dilaporkan dengan menggunakan media Lembar Kerja Pencatatan PenyimpangandanTransaksiBerisiko(LKPPTB).
Selain itu untuk pengendalian risiko operasional dijalankan oleh segenap Operation Manager dan Supervisi Operasi Kantor Pusat Non Operasional (KPNO) unit dibawah General Administration & Network Operation Division.
Market & Liquidity Risk Management Unit menangani manajemen risiko yang berkaitan risiko likuiditas dan risiko pasar (khususnya risiko nilai tukar). Dalam hal ini Market & Liquidity Risk Management Unit memonitor aktivitas harian yang dilaksanakan Treasury Division. Kualitas pelaksanaan manajemen risiko sangat ditentukan oleh pemahaman dan pengetahuan segenap karyawan terhadap risiko. Sehubungan itu, pengurus dan pejabat bank umum harus memiliki sertifikat manajemen risiko sebagaimana diatur dalam Peraturan Bank Indonesia Nomor 11/19/PBI/2009 tentang Sertifikasi Manajemen Risiko bagi Pengurus dan Pejabat Bank Umum yang dikeluarkan oleh Bank Indonesia pada tanggal 4 Juni 2009.
Jumlah karyawan Bank Muamalat yang telah memiliki mendapatkan sertifikat manajemen risiko sesuai Peraturan BankIndonesiaNomor11/19/PBI/2009,adalah:
1. Manajemenrisikotingkat1:171orang 2. Manajemen risiko tingkat 2 : 29 orang 3. Manajemen risiko tingkat 3 : 1 orang 4. Manajemenrisikotingkat4:17orang 5. Manajemen risiko tingkat 5 : 1 orang
The Operational Risk Management Unit undertakes risk managementontheoperationalriskcategories(including operational risk, legal risk, reputation risk, strategic risk andcompliancerisk),eachofwhichiscarriedoutbythe related units.
The identification and measurement of risks are carried out by the Resident Auditors who are stationed at Branch Offices throughout Indonesia based on findings that are reportedbyusingthemediaofLKPPTB(theworkingsheet for the recording of deviations and risky transactions. Meanwhile, the operational risk control is carried out by all Operational Managers throughout Indonesia and the KPNO Operational Supervision unit (which is a unit under the direct control of the Administration & Network Operations Division.
TheMarket&LiquidityRiskManagementUnitundertakes the risk management related to liquidity and market risk (especially currency exchange risk). In this case, the Market&LiquidityRiskManagementUnitmonitorsthe daily activities of the Treasury Division.
Thequalityofriskmanagementimplementationishighly determined by the level of understanding and knowledge of Bank Muamalat’s employees vis-a-vis risks. As such, and in order to comply with the requirement for the management and senior managers of a commercial bank to obtain risk management certification as regulated by Bank Indonesia Regulation No. 11/19/PBI/2009 on the Risk Management Certification of the Caretakers and Officers of Commercial Banks that was issued by Bank Indonesia on 4 June 2009.
The number of Bank Muamalat personnel who have earned their risk management certification pursuant to BankIndonesiaRegulationNo.11/19/PBI/2009was: 1. Riskmanagementlevel1:171people
2. Risk management level 2 : 29 people 3. Risk management level 3 : 1 people 4. Riskmanagementlevel4:17people 5. Risk management level 5 : 1 people
Pengisian jabatan dan pejabat bank disesuaikan dengan kapabilitas sumber daya manusia yang telah memiliki Sertifikat Manajemen Risiko sesuai dengan persyaratan jenjang jabatannya sebelum tanggal 3 Agustus 2010. Bank Muamalat akan mengikutsertakan karyawannya pada Uji Kompetensi Manajemen Risiko (UKMR) dan ProgramPemeliharaan/Penyegarandenganperencanaan sebagai berikut : Tahun 2010 • UKMRtingkat1:180orang • UKMRtingkat2:80orang • UKMRtingkat3:50orang • UKMRtingkat4:10orang • UKMRtingkat5:4orang ProgramPemeliharaan/Penyegaran: • Tingkat1:15orang • Tingkat3:1orang • Tingkat5:1orang Tahun 2011 ProgramPemeliharaan/Penyegaran: • Tingkat2:2orang • Tingkat4:17orang Tahun 2012 ProgramPemeliharaan/Penyegaran: • Tingkat1:10orang • Tingkat2:11orang • Tingkat3:50orang • Tingkat4:10orang • Tingkat5:5orang
PENERAPAN MANAJEMEN RISIKO TEKNOLOGI