OrGans anD COMMITTees unDer The BOarD OF COMMIssIOners
THE NOMINATION AND REMUNERATION COMMITTEE’S
3. sistem dan Prosedur seleks
3.1 Komite Nominasi mengidentiikasi calon yang memenuhi persyaratan dan kriteria seperti poin no.2;
3.2 Dewan Komisaris atas saran Komite Nominasi dan Remunerasi menyampaikan kepada Pemegang Saham PT Bank Victoria International Tbk.;
3.3 Pelaksanaan seleksi dilaksanakan sebelum berakhirnya masa jabatan atau adanya penambahan atau bila ada kekosongan di jajaran Dewan Komisaris atau Direksi.
KOMITe PeManTau rIsIKO
Komite pemantau risiko merupakan alat kelengkapan Komisaris yang berfungsi memonitor risiko dan menilai toleransi risiko yang dapat diambil oleh bank, mengevaluasi perbaikan yang dilakukan atas kebijakan, prosedur dan praktek manajemen risiko bank guna memastikan telah dilakukannya pengelolaan risiko dengan baik, terutama pada pengelolaan risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, dan risiko bank lainnya.
Dasar PeMBenTuKan KOMITe PeManTau rIsIKO
Komite Pemantau Risiko Bank Victoria dibentuk berdasarkan Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 Tentang Penerapan Tata Kelola bagi Bank Umum.
PIaGaM KOMITe KOMITe PeManTau rIsIKO
Dalam melaksanakan tugas dan tanggung jawab pengawasan pengendalian internal, Komite Pemantau Risiko Bank Victoria telah dilengkapi dengan pedoman kerja yang ditetapkan dalam piagam Komite pemantau risiko. piagam Komite pemantau Risiko tersebut disusun berdasarkan peraturan dan perundang- undangan yang berlaku dan senantiasa ditinjau ulang secara berkala dan telah disahkan berdasarkan Keputusan Dewan Komisaris No.002/SK-KOM/03/16 tentang Penetapan Piagam Komite pemantau risiko dan Keanggotaan Komite pemantau Risiko PT Bank Victoria International Tbk. pada tanggal 3 Maret 2016.
d. Actions that can be categorized as violation to the precautionary principle in the ield of banking;
e. Actions of the Managers and Executive Oficers which can be categorized as not independent; f. to meet the criteria of competence here means
having:
a. Adequate knowledge in Banking;
b. Experience and expertise in the Banking and/or Financial Institutions: and
c. The ability to perform strategic management in order to develop a healthy Bank.
3. Selection System and Procedure
3.1 The Nomination Committee identiies candidates who meet the requirements and criteria stated at point no.2; 3.2 The Board of Commissioners, on the advice of the
Nomination and Remuneration Committee, submits the candidates name to the Shareholders of PT Bank Victoria International Ltd.;
3.3 The selection is carried out prior to the expiration of the term of ofice period or any addition or when there is a vacancy in the Board of Commissioners or Board of Directors formation.
rIsK MOnITOrInG COMMITTee
The Risk Monitoring Committee is a function in the Board of Commissioners with the task to monitor risks dan assess the risk tolerance which can be taken by the bank, to evaluate improvements made to the bank’s risk management policies, procedures and practices and to guarantee good risk management, especially in the bank’s credit risk management, market risk, liquidity risk, operational risk and other risks.
BasIs OF FOrMaTIOn OF The rIsK MOnITOrInG COMMITTee
The Risk Monitoring Committee of Bank Victoria is formed pursuant to the Financial Services Authority Regulation Number 55/POJK.03/2016 on the Implementation of Good Corporate Governance for Commercial Banks.
The rIsK MOnITOrInG COMMITTee CharTer
In carrying out its tasks and responsibilities on internal control monitoring, Bank Victoria Risk Monitoring Committee has been equipped with guidelines set out in the the Risk Monitoring Committee Charter. The Risk Monitoring Committee Charter is based on prevailing rules and regulations and continue to be reviewed at regular intervals and is approved by the Board of Commissioners Decision No.002/SK-KOM/04/13 on the Establishment of the Risk Monitoring Committee Charter and the Risk Monitoring Committee Membership of PT Bank Victoria International Ltd. on April 1, 2013.
Adapun isi dari Piagam Komite Pemantau Risiko adalah sebagai berikut.
1. Dasar penyusunan Piagam; 2. Deinisi;
3. Tujuan;
4. Tugas dan tanggung Jawab; 5. Keanggotaan;
6. Aktivitas; 7. Kewenangan;
8. Tugas dan Tanggung Jawab Lain; 9. Kaji Ulang.
TuGas Dan TanGGunG JaWaB KOMITe PeManTau rIsIKO
Komite Pemantau Risiko memiliki tugas dan tangung jawab, meliputi:
1. Melakukan review dan memberikan rekomendasi atas
efektivitas pelaksanaan manajemen risiko Bank melalui pertemuan secara berkala maupun cara lainnya untuk
membahas progress dari tahapan-tahapan tugas dan tanggung
jawab yang dilakukan oleh Satuan Kerja Manajemen Risiko.
2. Melakukan review atas penilaian risiko oleh Satuan
Kerja Manajemen Risiko. Melakukan pengawasan atas kegiatan Satuan Kerja Manajemen Risiko dalam memantau pelaksanaan mitigasi resiko oleh unit-unit kerja terkait. 3. Melakukan pengawasan atas pelaksanaan rekomendasi
Komite oleh Satuan Kerja Manajemen Risiko.
4. Melakukan analisis dan evaluasi atas usulan Rencana Kegiatan dan anggaran Bank dan review tahunan atas Rencana Jangka Panjang Bank yang diajukan oleh Direksi, termasuk usulan setoran modal dan rencana investasi di anak perusahaan Bank.
5. Melakukan Penelaahan atas informasi risiko dan manajemen risiko Bank dalam laporan-laporan yang akan dipublikasikan, melalui proses:
a. Diskusi bersama dengan Manajemen.
b. Review atas draft dari laporan yang akan
dipublikasikan.
c. Melakukan pembahasan atas risiko-risiko penting pada unit-unit di lingkungan Bank, sesuai kebutuhan, termasuk risiko pada perjanjian dengan pihak ketiga yang dalam lingkup kewenangan pengawasan Dewan Komisaris.
d. Melakukan self evaluation dan self improvement
terhadap efektivitas pelaksanaan tugas Komite dan memutakhirkan secara periodik pedoman Kerja
Komite Pemantau Manajemen Risiko (Risk Management
Committe Charter).
sTruKTur, KeanGGOTaan Dan KeahLIan KOMITe PeManTau rIsIKO
Bank victoria memiliki Komite pemantau risiko yang dimaksudkan untuk membantu Dewan Komisaris terkait dengan manajemen risiko yang terdiri dari seorang Komisaris Independen, seorang dari Pihak Independen yang memiliki keahlian di bidang keuangan atau akuntansi dan seorang dari Pihak Independen yang memiliki keahlian di bidang hukum atau perbankan. Keanggotaan Komite Pemantau Risiko Bank Victoria telah memenuhi ketentuan Bapepam-LK No.Kep-29/PM/2004 dan Peraturan Otoritas Jasa Keuangan No.55/POJK.03/2016 tentang penerapan tata Kelola Bagi Bank Umum serta telah
The contents of the Risk Monitoring Committee Charter are as follows.
1. Basis of the Charter’s preparation; 2. Deinitions;
3. Purposes;
4. Tasks and responsibilities; 5. Membership;
6. Activities; 7. Authorities;
8. Other Tasks and Responsibilities; 9. Review.
The rIsK MOnITOrInG COMMITTee TasKs anD resPOnsIBILITIes
The Risk Monitoring Committee has the tasks and responsibilities, including:
1. To conduct review and provide recommendations on the level of effectiveness of the risk management implementation by holding regular meeting or otherwise to dicuss progress of stages of tasks and responsibilities by the Risk Management Working Unit.
2. To conduct review of risk evaluation by Risk Managemen Work Unit. to conduct supervision of the committees of risk Management Work Unit to monitor the implementation of risk mitigation by the relevant work units
3. To supervise the implementation of recommendations through the Risk Management Work Unit.
4. To conduct analysis and evaluation of recommendations from Activity Planning and Bank’s budget and annual review of the Bank’s long term plan submitted by the Board of Directors, including proposal on the capital participation and investment plan in the Bank’s Subsidiaries.
5. To conduct review of information about risks and risk management of the Bank in the reports to be published, through the process of:
a. Discussion with the Management. b. Review of draft reports to be published.
c. Discussion of signiicant risks in units in the Bank, in accordance with the needs, including risks in agreements with third parties under the supervision of the Board of Commissioners.
d. to conduct self evaluation and self improvement of the effectiveness of the implementation of tasks of the Committee and to periodically update the risk Management Committee Charter).
sTruCTure, MeMBershIP anD eXPerTIse OF rIsK MOnITOrInG COMMITTee
Bank Victoria has a Risk Monitoring Committee which is intended to assist the Board of Commissioners in relation to the risk management, consisting of one Independent Commissioner who has expertise in inance or accounting and one Independent Commissioner who has expertise in legal and banking. Bank Victoria Risk Monitoring Committee has complied with the provision of Bapepam-LK No. Kep-29/PM/2004 and the Financial Services Authority Regulation Number 55/POJK.03/2016 on the Implementation Good Corporate Governance for Commercial Banks and its members have been appointed pursuant to Decree
diangkat berdasarkan Surat Keputusan Direksi No.005/SK- KOM/07/15 tentang Perubahan Susunan Komite Pemantau Risiko PT Bank Victoria International Tbk. tertangal 8 Juli 2015.
Tabel struktur, Keanggotaan dan Keahlian Komite Pemantau risiko
Table of structure, Membership, and expertise of risk Monitoring Comitte
nama name Jabatan Position Periode Period Keterangan Description Keahlian expertise
Zaenal Abidin Ph.D Ketua / Chairman 2013 – saat ini 2013 - today
Komisaris Independen Independent Commissioner
Good Corporate Governance
Oliver Simorangkir anggota / Member Juli 2015 – saat ini July 2015 - today Komisaris Utama Perbankan, Audit
Audit, Banking
Tonny Setiadi anggota / Member 2013 – saat ini 2013 - today
pihak Independen Independent Party
Manajemen Risiko, Perbankan
Risk Management, Banking
Retno Dwijanti Widaningsih anggota / Member 2013 – saat ini 2013 - today
pihak Independen Independent Party
Perbankan, Audit
Audit, Banking
PrOFIL KOMITe PeManTau rIsIKO
ZaenaL aBIDIn Ph.D
Ketua Komite pemantau risiko
Chairman of Risk Management Committee
Proil dapat dilihat pada proil Dewan Komisaris.
Proile is available in the Board of Commissioners proile.
OLIVer sIMOranGKIr
anggota Komite pemantau risiko
Member of Risk Management Committee
Proil dapat dilihat pada proil Dewan Komisaris
Proile is available in the Board of Commissioners proile.
TOnnY seTIaDI
anggota Komite pemantau risiko
Member of Risk Management Committee
Proil dapat dilihat pada proil Komite Audit.
Proile is available in the Audit Committee proile.
reTnO DWIJanTI WIDanInGsIh
anggota Komite pemantau risiko
Member of Risk Management Committee
Proil dapat dilihat pada proil Komite Audit.
Proile is available in the Audit Committee proile.
KuaLIFIKasI PenDIDIKan Dan PenGaLaMan KerJa KOMITe PeManTau rIsIKO
Per 31 Desember 2016, kualiikasi pendidikan dan pengalaman kerja Ketua dan Anggota Komite Pemantau Risiko adalah sebagai berikut.
of the Board of Directors No. 005/SK-KOM/07/15 on the Change in the Composition of the Risk Monitoring Committee of PT Bank Victoria International Tbk., dated July 8, 2015.
rIsK MOnITOrInG COMMITTee PrOFILes
EDUCATION QUALIFICATIONS AND WORK EXPERIENCE OF THE RISK MONITORING COMMITTEE
As for 31 December 2016, education qualiications and work experience of Chairman and Members of the Risk Monitoring Committee are as follows.
Tabel Kualiikasi Pendidikan dan Pengalaman Kerja Komite Pemantau Risiko
Table Education Qualiications and Work Experience of The Risk Monitoring Committee
nama name Pendidikan education Pengalaman Kerja Work experience Zaenal Abidin Ph.D
• Sarjana Ekonomi Dari Universitas Islam Indonesia, Yogyakarta, tahun 1987; • Memperoleh gelar Master
Manajemen dari ASIAN
Institute of Management (AIM), Filipina pada tahun 1997; dan • Doctor of Philosophy dari
Santo Tomas University, Filipina pada tahun 2006
• Bachelor of Economy from Universitas Islam Indonesia, Yogyakara, in 1987 • Earned Master of
Management degree from ASIAN Institute of Management (AIM), the Philippines in 1997 and • Doctor of Philosophy from
the University of Santo Tomas, Philippines in 2006
• Pro Manager Treasury dan Analisa di Bidang Dana Perbankan; • Dosen Tetap pada Perbanas Institute;
• Kepala Riset dan Pengabdian pada Masyarakat di Perbanas Institute; • Dosen STIE IBS;
• Koordinator Staf Khusus Bidang Riset Asosiasi Perbanas; • peneliti senior GCG pada Indonesia Institute Corporate Governance; • Komisaris Independen di PT Bank Victoria International Tbk.
• Pro Manager Treasury and Analysis in the Field of Banking Fund; • Permanent Lecturer at the Perbanas Institute
• Head of Research and Community Services at the Perbanas Institute; • Lecturer at STIE IBS;
• Coordinator of Special Staff for Research Association of Perbanas; • GCG senior researcher at the Indonesian Institute Corporate Governance; • Independent Commissioner of PT Bank Victoria International Tbk.
Oliver Simorangkir
Memperoleh gelar Sarjana
ekonomi akuntansi dari Universitas Indonesia pada tahun
1980
Bachelor Degree in Accounting from Universitas Indonesia in 1980
• Group Head Corporate Planning and Accounting Control di PT Bank Niaga Tbk; • Senior Deputy President Director Internal Audit Group di PT Bank Niaga Tbk; • Senior Deputy President Director Internal Audit Group Head PT Bank Prima
Express;
• Senior Deputy President Director – General Manager Internal Audit pt Bank
Permata Tbk;
• Direktur Kepatuhan dan Risk Management PT Bank Victoria International Tbk; • Direktur Operasi dan Sistem PT Bank Victoria International Tbk.
• Group Head Corporate Planning & Accounting Control in PT Bank Niaga Tbk; • Senior Vice President in the Internal Audit Group in PT Bank Niaga Tbk; • Senior Vice President in the Internal Audit Group in PT Bank Prima Express; • Senior Vice President – General Manager in the Internal Audit in PT Bank
Permata Tbk;
• Director of Compliance and Risk Management in PT Bank Victoria International Tbk;
• Director of Operations and System in PT Bank Victoria International Tbk.
Tonny Setiadi
Memperoleh gelar sarjana
ekonomi jurusan keuangan dari
STIESIA Surabaya, S2 STEKPI Jurusan Keuangan dan Perbankan
Speciic experience as the Examiner in the Banking Profession Certiication in LSPP on Risk Management levels 4 and 5 for executive oficers, as well as levels 1 and 2 for Commissioners
Direktur Kepatuhan PT Bank Yudha Bhakti tahun 2007-2012.
Director of Compliance in PT Bank Yudha Bhakti, 2007-2012.
Retno Dwijanti Widaningsih
S1 Jurusan Keuangan dan Perbankan dari Institut Bankir
Indonesia
Indonesian professional Development Program in Banking II
Deputy President Director, Head of Group Audit Deutsche Bank AG, Jakarta Branch.
Deputy President Director, Head of Group Audit, in Deutsche Bank AG, Jakarta Branch.
InDePenDensI KOMITe PeManTau rIsIKO
Seperti halnya Komite Audit dan Komite Nominasi dan Remunerasi, Komite Pemantau Risiko menjalankan peran secara profesional dan independen, serta tidak menerima/melakukan intervensi dari/kepada pihak lainnya. anggota Komite pemantau Risiko tidak terkait dengan Pemegang Saham, Dewan Komisaris, maupun Direksi. Komite Pemantau Risiko yang berasal dari luar perusahaan tidak memiliki kepentingan/keterkaitan pribadi yang dapat menimbulkan dampak negatif dan benturan kepentingan (conlict of interest) dengan Bank .
InDePenDenCe OF rIsK MOnITOrInG COMMITTee
Just as well as the Audit Committee and the Nomination and Remuneration Committee, the Risk Monitoring Committee professionally and independently perform its roles, and do not accept/make intervention from/to other parties. the Risk Monitoring Committee members are not related to the Shareholders, the Board of Commissioners, and the Board of Directors. Risk Monitoring Committee which come from outside the company has no interest/private relationship that can cause negative impacts and conlicts of interest with the company.
Independensi Komite Pemantau Risiko sebagai berikut.
Tabel Independensi Komite Pemantau risiko
Table of Independence of Risk Mangement Committee aspek Independensi Zaenal abidin
Ph.D
Oliver simor-
angkir Tonny setiadi
retno Dwijanti
Widaningsih Independence aspects
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi
√ √ √ √
Does not have inancial relationship with the Board of Commissioners and Board of Directors
Tidak memiliki hubungan
kepengurusan di
perusahaan, anak perusahaan, maupun perusahaan ailiasi
√ √ √ √
Does not have any relationship in the company, its subsidiaries, or afiliate companies
Tidak memiliki hubungan
kepemilikan saham di perusahaan
√ √ √ √ Does not have any share
ownership in the company
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
sesama anggota Komite audit
√ √ √ √
Does not have any family relationship with the Board of Commissioners, Directors, and/or other members of the Audit Committee
Tidak menjabat sebagai pengurus partai politik,
pejabat dan pemerintah √ √ √ √
Does not served as a political party oficials and government oficials
PenGeMBanGan KOMPeTensI KOMITe PeManTau rIsIKO nama name Jabatan Position Keahlian expertise
Zaenal Abidin Ph.D Ketua / Chairman
Pengembangan Kompetensi Beliau dapat dilihat pada bagian Pengembangan Kompetensi Dewan Komisaris
The Competence Development can be seen in Competence Development of the Board of Commissioners
Oliver Simorangkir anggota / Member
Pengembangan Kompetensi Beliau dapat dilihat pada bagian Pengembangan Kompetensi Dewan Komisaris
The Competence Development can be seen in Competence Development of the Board of Commissioners
Tonny Setiadi anggota / Member
Pengembangan Kompetensi Beliau dapat dilihat pada bagian Pengembangan Kompetensi Dewan Komisaris
The Competence Development can be seen in Competence Development of the Board of Commissioners
Retno Dwijanti Widaningsih anggota / Member
Pengembangan Kompetensi Beliau dapat dilihat pada bagian Pengembangan Kompetensi Dewan Komisaris
The Competence Development can be seen in Competence Development of the Board of Commissioners
raPaT KOMITe PeManTau rIsIKO
Sesuai dengan Piagam Komite pemantau Risiko, Komite pemantau risiko menyelenggarakan rapat sesuai dengan kebutuhan yang dipimpin oleh ketua Komite Pemantau Risiko. Keputusan Rapat Komite Pemantau Risiko diambil berdasarkan musyawarah mufakat.
the Independence of the audit Committee and Risk Monitoring Committee is as follows.
The rIsK MOnITOrInG COMMITTee COMPeTenCe DeVeLOPMenT
rIsK MOnITOrInG COMMITTee MeeTInGs
In accordance with the Risk Monitoring Committee Charter, Risk Monitoring Committee meetings are held in accordance with the requirements and led by the Chairman of the Risk Monitoring Committee. The Risk Monitoring Committee Meeting’s decisions are taken by common agreement.
FreKuensI Dan TInGKaT KehaDIran raPaT KOMITe PeManTau rIsIKO
Selama tahun 2016, Komite Pemantau Risiko telah menyelenggarakan 7 (tujuh) kali rapat dengan tingkat kehadiran sebagai berikut.
Tabel Tingkat Kehadiran rapat Komite Pemantau risiko
Table of Frequency and attendance rate of the risk Monitoring Committee
nama
name
Jabatan
Position Jumlah rapat Total Meeting
Jumlah Kehadiran Total attendance
Persentase Precentage
Zaenal Abidin Ph.D Ketua / Chairman 7 7 100% Oliver Simorangkir anggota / Member 7 5 71% Tonny Setiadi anggota / Member 7 7 100% Retno Dwijanti Widaningsih anggota / Member 7 7 100%
aGenDa raPaT KOMITe PeManTau rIsIKO Tabel agenda rapat Komite Pemantau risiko
Table of the risk Monitoring Committee Meeting agenda
no. Tanggal rapatMeeting Date Meeting agendaagenda rapat
1 17 Februari 2016
17 February 2016
Membahas Laporan Pengawasan Rencana Bisnis Bank periode Desember 2015; Penyempurnaan Laporan Semesteran Kepatuhan dengan menggunakan Compliance Risk Management dan Diskusi tentang keanggotaan
Komite audit.
Discussion of Report on Supervision of the Bank’s Business Plan for December 2015; Reinement of Semester Report of Compliance using Compliance Risk Management and Discussion on Members of Audit Committee.
2 22 Juni 2016
22 June 2016
Membahas Proil Risiko posisi Mei 2016; Pencapaian kerja Divisi Kepatuhan dan Posisi Pemeriksaan Divisi SKAI
Discussion of Risk Proile in May 2016; Achievement of the Compliance Division and Position of Inspection of the IAWU Division
3 28 September 2016
28 September 2016
Membahas Tingkat Kesahatan Bank Semester I 2016
Discussion of Bank’s Soundness Level of Semester I in 2016
4 28 September 201628 September 2016 Membahas Internal Discussion of Internal Control Risk AssessmentControl Risk Assessment
5 17 Oktober 2016
17 October 2016
Membahas Pedoman Risk Registered di Divisi Operasional
Discussion of Guidelines for Risk Registered in the Operational Division
6 25 November 201625 November 2016 Membahas Pedoman Discussion of Guidelines for Risk Registered in the Operational DivisionRisk Registered di Divisi Operasional
7 19 Desember 2016
19 December 2016
Membahas Proil Risiko bulan November 2016
Discussion of Risk Proile in November 2016
LaPOran sInGKaT PeLaKsanaan KeGIaTan KOMITe PeManTau rIsIKO Tahun 2016
Sepanjang tahun 2016, Komite Pemantau Risiko telah menyusun program kerja dengan realisasi sebagai berikut.
1. Memberikan rekomendasi atas Laporan Pengawasan Rencana Bisnis Bank untuk periode Desember 2015; Penyempurnaan Laporan Semesteran Kepatuhan dengan menggunakan Compliance Risk management, serta Diskusi mengenai POJK tentang Keanggotaan Komite Audit. 2. Melakukan penelaahan dan memberikan rekomendasi atas
Proil Risiko posisi Mei 2016, serta menyarankan untuk
dilakukan penerapan ORM (Operation Risk Management) yang
lebih mendalam di setiap unit kerja, selain itu agar pemberian opini yang lebih tegas atas permohonan kredit nasabah , dari Divisi Kepatuhan, juga tentang peningkatkan kualitas dan kuantitas pemeriksaan SKAI sesuai prinsip audit berbasis risiko
FreQuenCY anD aTTenDanCe raTe OF The rIsK MOnITOrInG COMMITTee
During 2016 the Risk Monitoring Committee had held 7 (seven) meetings with the level of attendance as follows.
THE RISK MONITORING COMMITTEE MEETING AGENDA
a BrIeF rePOrT On eXeCuTIOn OF aCTIVITIes OF The rIsK MOnITOrInG COMMITTee In 2016
Throughout 2016, the Risk Monitoring Committee has prepeared the work program with the realization as follows.
1. Provided the recommendation on the Report on Supervision of Bank’s Business Plan for December 2015; Completion of Semi Annual Report on Compliance using Compliance Risk Management, and Discussion on the Financial Services Agency Regulation on Membership of the Committee Audit. 2. Reviewed and provided recommendations on the Risk Proile
for May 2016, and suggested a more in-depth application
